vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are inaccurately and without my knowledge. Please help me get these accounts removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are inaccurately and without my knowledge. Please help me get these accounts removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Upstart Holdings, Inc.
State: AZ

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

This is a formal complaint against UPSTART XXXX XXXX XXXXata furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

UPSTART NETWORK INC. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XX/XX/year> I requested a final bill from XXXX and I wanted to close my account with them because I was not happy with how they were handling my payments every month which I was paying on time and they would hold my payments unto XXXX weeks before they would add it to my Availible balance Very XXXX XXXX of them and XXXX quite sure illegal No almost XXXX years come around there reporting and just notifying saying I owe them XXXX XXXX  which is laughable the nerve of them I made it very clear with them on the phone that I was to know if I owe anything else and they said your done I have the repot to prove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capitalone locked out my account. I noticed that all outgoing transaction has been blocked as of XX/XX/year>. I went out to a local branch of Capitalone to try to withdraw some money at the ATM but wasn't able to. I requested information from the representative and they told me that the authorized user on the account needs to come in to clear some security information. We came to the capitalone branch on XX/XX/year> and provided them the information relating to my niece, social security card and tax forms that was requested by the representative. They said that the information they had in the system did not have her information and needed to verify everything. 

After providing these information to the capitalone representative. They told me that I would get a notice from them the account will be unlocked. Right now it is XX/XX/year>. I just logged back into my account to a surprise. That my account balance went from $ XXXX to {$0.00}. I have no clue that they closed out my account. I never got any email notice, phone call or mail notice. This is absolutely ridiculous. I have had anything like this happened to me in my life. 

Not only have i lost money, but i have lost my trust in the banking system and the piece of mind that my money safe anywhere. I have lost money due to this problem caused by capitalone as all my ACH auto draft to bills has been blocked and re-turned with cost billed to me. In some cases, the parties trying to withdraw funds from my account has threaten to send me to collection.

This is poor communication from Capitalone and inability to handle my case properly has really been disappointing. I request that something must be done to correct this wrong. I am seeking for help in this matter as i feel like i am being taking advantage of by this institution. They have no respect for me as a customer and do not care how about my overall well-being as someone has been a loyal customer over 15 years with them.

Im at a lost right now. As I have no clue where all my money has gone. I have tried to reach out to capitalone customer service without any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account shows late payments with XXXX when my account is on time!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account shows late payments with XXXX when my account is on time!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Subject : Complaint Against Resurgent Capital Services for Failure to Provide Proper Debt Validation and Documentation Dear CFPB Representative, I am writing to file a formal complaint against Resurgent Capital Services for failure to comply with the Fair Debt Collection Practices Act ( FDCPA ) and for not providing proper validation of an alleged debt. 
On XX/XX/year>, I submitted a written request to the collection agency asking for : - The chain of title of the alleged debt, - The original signed contract with my wet signature, and - The name and contact information of the original creditor. 
Instead of providing the requested validation documents, I only received a generic letter showing the alleged balance, the date of the last payment, and the name of a company I do not recognize. This response does not satisfy the requirements for proper debt verification under the FDCPA.

I have no knowledge or record of ever owing any debt to this company, and without proper documentation, I believe this account may be fraudulent, inaccurately reported, or improperly assigned. The failure of the collection agency to provide full and complete validation violates my consumer rights under the FDCPA and FCRA.

I am requesting that the CFPB investigate this matter and ensure the collection agency either provides the full documentation as required by law or ceases all collection activities and removes any negative reporting from my credit file.

Please contact me if additional information or supporting documents are needed to support my complaint. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I discovered unauthorized inquiries on my credit report, and I dont understand why its there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I discovered unauthorized inquiries on my credit report, and I dont understand why its there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Request to Block and Delete Fraudulent Accounts Identity Theft 15 U.S.C. 1681c-2 Hello, I am writing to exercise my rights under 15 U.S.C. 1681c-2, also known as Section 605B of the Fair Credit Reporting Act ( FCRA ), to block and permanently delete fraudulent accounts that have been added to my credit file due to identity theft. 
The following accounts were opened without my knowledge, consent, or authorization, and are therefore fraudulent : MoneyLion Account ending in XXXX Opened XX/XX/XXXX XXXX Bank Account ending in XXXX Opened XX/XX/XXXX Bridgecrest Account ending in XXXX Opened XX/XX/XXXX Legal Authority Under 15 U.S.C. 1681c-2 ( a ), a consumer may request that any information appearing on their credit report as a result of identity theft be blocked from reporting. 
Furthermore, 1681c-2 ( c ) requires credit reporting agencies to block and remove the disputed items within four ( 4 ) business days of receiving a valid identity verification and written dispute. 
Supporting Documentation In support of this request, I have enclosed the following : Copy of my government-issued photo ID Copy of my Social Security card Proof of current address ( utility bill, bank statement, or lease ) Please note : The FTC XXXX website is temporarily unavailable due to the current government shutdown. 
However, in accordance with 15 U.S.C. 1681c-2, a police report or FTC affidavit is not legally required when sufficient proof of identity and a written dispute are provided both of which are enclosed with this letter. 
Action Requested I hereby demand that the above-listed accounts be : Immediately blocked from my credit file, and Permanently deleted within four ( 4 ) business days of receipt of this documentation. 

Please provide written confirmation once the deletions have been completed. 
Failure to comply with this lawful request will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for noncompliance with FCRA Section 605B. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
Citibank closed my account without any prior notice or explanation. The account had a balance of approximately {$2600.00}. I was informed that a refund check was being processed, but I have not received it. 

For the past five months, I have been in constant contact with Citibanks Fraud Prevention department seeking an update on the status of my funds. Each time I call, I am told to call back in 48 hours, with no progress, no written communication, and no clear resolution. 

Citi representatives previously verified my current address in Hawaii  and even confirmed that the check was being processed, but now claim there is no update. I have made multiple attempts to get clarity and recover my funds, but the bank has failed to act or communicate properly. I am requesting immediate release of my {$2600.00} balance and a written explanation for why my account was closed without notice

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AP

Complaint narrative:
I am using this CFPB complaint as both formal complaint and a formal dispute. I am writing to request an investigation into several negative entries currently appearing on my credit report. I believe that some or all of these entries are inaccurate, unverifiable, or reported in error. 

Despite contacting the credit bureaus and my lenders, the disputed information has not been corrected or removed. I am requesting that the CFPB assist in ensuring a full investigation and that any unverifiable or incorrect information be deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
Phone stolen unauthorized withdrawals starting at XXXX {$500.00} sent via XXXX XXXX debit transaction # XXXX {$500.00} XXXX {$50000.00} to XXXX XXXX. 
XXXX changed XXXX XXXX XXXX transfers at XXXX were disputed & refunded by XXXX XXXX XXXX police report # XXXX Chime claim id # XXXX {$200.00} denied # XXXX {$220.00} denied Dispute # XXXX # XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
I am writing to formally express my concerns regarding chime handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform despite using chime numerous times and reporting discrepancies, my financial institution and chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs finding indicates that chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scam

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NC

Complaint narrative:
Cash App and XXXX  both closed my Accounts unexpectedly and took all My money and would not allow me to make a another account and flagged my social

Company response to consumer: Closed with explanation