vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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: CA

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

I am filing this complaint because Equifax continues to report several fraudulent accounts on my credit report, even after I submitted a full FTC Identity Theft Report and supporting documentation. These accounts are the direct result of identity theft and should have been deleted or blocked as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). The fraudulent accounts still appearing on my Equifax file are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each of these accounts is fraudulent and must be deleted or blocked immediately. 

Equifax has violated multiple FCRA provisions, including 1681i ( a ) ( 1 ) for failure to conduct a reasonable reinvestigation, 1681c-2 for failure to block identity-theft information after receiving my FTC Identity Theft Report, and 1681i ( a ) ( 5 ) for reinsertion of deleted items without proper notice. Despite my clear documentation and previous submissions, Equifax continues to report these fraudulent accounts, causing ongoing harm to my credit and peace of mind. I am demanding that Equifax immediately block and permanently delete these identity-theft accounts in full compliance with 15 U.S.C. 1681c-2. If Equifax claims to have verified any of these accounts, I request written proof showing who verified the information, what method was used, and the records relied upon. If this documentation can not be provided, these items must be deleted at once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: GA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
They already charged off and have written off the debt and they are still trying to collect it from me and they have not given me a XXXX after I have requested it on XXXX separate disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
It is now XXXX months and CITIBANK has not sent me a card in the mail. I opened the credit card in XXXX and they said they have issued XXXX cards but Ive havent received any. They declined any tracking and Ive been told by XXXX rep that they were able to see my package and that it was out for delivery. Which was a lie because another rep told me theyre not able to see tracking and they have no idea where my card is. I just want to use my account.

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 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: CA

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

I am submitting this complaint against a creditor that continues to report inaccurate and unverifiable information on my credit report, even after I submitted a formal dispute with supporting documentation. I exercised my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), but the creditor failed to conduct a reasonable reinvestigation as required by 1681s-2 ( b ). Despite being properly notified of the dispute, the creditor has neither provided verification documents nor corrected or deleted the disputed tradeline. 

The creditors actions constitute willful or negligent noncompliance with the FCRA. Specifically, they failed to review all relevant evidence I submitted, failed to substantiate the information being reported, and verified the account without proof or lawful documentation. This violates 1681i ( a ) ( 1 ) for not performing a reasonable reinvestigation, 1681i ( a ) ( 5 ) for continuing to report unverifiable information, and 1681i ( a ) ( 6 ) ( B ) ( iii ) for failing to provide the required method of verification. 

This ongoing inaccuracy has caused continued harm to my credit profile and peace of mind. I have made multiple attempts to resolve the matter directly with the creditor, yet they have ignored their obligations and refused to provide the verification or documentation required under federal law. 

COMENITYCAPITAL/XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
This reported situation pertains to Bank of America : I filed a dispute with Bank of America ( Claim XXXX ) for a {$180.00} charge from XXXX XXXX XXXX, dated XX/XX/XXXX. I found out that this charge was a direct breach of my service contract. 

The core of my dispute, which I documented for the bank, is that I was a member of the merchant 's " XXXX XXXX '' plan since XX/XX/XXXX. The plan 's public website and official brochureboth provided as evidence to the bankexplicitly state " XXXX always FREE. '' The merchant charged me {$180.00} for XXXX of these covered diagnostic visits. Their stated reasons, which I also relayed to the bank, were that I had declined their past overpriced repair quotes and opted to use other repair companies before. As my original evidence showed, these justifications are not listed anywhere in the contract and are not valid reasons to breach the plan 's terms. 

Bank of America 's investigation was negligent. On XX/XX/XXXX, they denied my claim, bizarrely stating they " didn't receive '' cancellation information. The dispute was never about a cancellation ; it was about an illegitimate charge for a service that was contractually free. 

I sent a formal demand to reopen the claim. I re-explained the entire issue and, to address their irrelevant focus, I * also * attached the merchant 's cancellation receipt. 

On XX/XX/XXXX, Bank of America denied the re-evaluation, proving they had not reviewed my submissions. Their final denial * still * falsely claimed, " We requested, but didn't receive, a copy of the cancelation information, '' a document I had provided to them over a month prior. They also added a new, nonsensical justification : " The amount charged by the merchant was correct - rebates, coupons or special pricing are offered by the merchant at their discretion. '' This demonstrates a complete failure to read, understand, or investigate the actual evidence provided.

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 2025-10-31 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After conducting a recent and detailed review of my credit report, I discovered several entries that appear to be inaccurate, inconsistent, or unverifiable. These inaccuracies negatively affect my creditworthiness, access to credit, and overall financial opportunities. 
XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$12000.00} XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$260.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$3200.00} XXXX XXXX XXXX Dismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Court : U.S. Bankruptcy Court XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am submitting this formal dispute and requesting a full reinvestigation of the items in question. Each disputed entry should be thoroughly verified for accuracy and completeness. Should any information be found to be inaccurate, incomplete, or unverifiable, I request that it be promptly corrected or removed to ensure my credit report provides a fair and accurate representation of my financial history.

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 2025-10-31 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: IL

Complaint narrative:
After conducting a recent and detailed review of my credit report, I discovered several entries that appear to be inaccurate, inconsistent, or unverifiable. These inaccuracies negatively affect my creditworthiness, access to credit, and overall financial opportunities. 
XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$12000.00} XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$260.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$3200.00} XXXX XXXX XXXX Dismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Court : U.S. Bankruptcy Court XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am submitting this formal dispute and requesting a full reinvestigation of the items in question. Each disputed entry should be thoroughly verified for accuracy and completeness. Should any information be found to be inaccurate, incomplete, or unverifiable, I request that it be promptly corrected or removed to ensure my credit report provides a fair and accurate representation of my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no XXXX party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
In XX/XX/XXXX, XXXX reported my private student loan as 60 days late. 
At that time, I was living in XXXX, California ( ZIP XXXX ) an area directly affected by the California wildfires and covered under a XXXX-declared national disaster.

Because of this, my account should have been placed in a retroactive disaster forbearance covering the period of XX/XX/XXXX, through XX/XX/XXXX, but it was not properly applied at the time. The forbearance was later added retroactively, as confirmed in XXXX  letter dated XX/XX/XXXX. 
Despite this correction, XXXX still reported my account as 60 days delinquent for XX/XX/XXXX, even though the forbearance covered that exact timeframe and no payments were due.

The account should have been reported as In Forbearance or Current, and was not. This makes my account status incorrect and the delinquency inaccurate under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).

Additionally, I never received notice that the data furnisher changed from XXXX to XXXX. I was not informed that XXXX would begin reporting my private student loan to the credit bureaus. I only learned of their reporting after the negative mark appeared on my credit report. This lack of notice prevented me from addressing or disputing their reporting in a timely manner. 
I have attached my signed dispute letter, XXXX  forbearance confirmation dated XX/XX/XXXX, and FEMA documentation showing that XXXX, CA XXXX was within the declared disaster zone. 
I respectfully request that XXXX  be required to remove or correct the XX/XX/XXXX delinquency and update my credit report to reflect the accurate account status of In Forbearance or Current for that period.

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am sending this as a concerned consumer who has carefully reviewed my credit report and identified multiple instances of inaccurate reporting that are negatively affecting my overall credit profile and financial standing. These inaccuracies can have significant consequences on my ability to obtain credit, secure favorable interest rates, and maintain financial stability. 
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 non-monetary relief
Consumer complaint received 2025-10-31 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: IL

Complaint narrative:
My XXXX account was suddenly deactivated without any clear explanation, even though my identity and bank account had already been verified. I operate a small and legitimate retail business selling collectible products. After verification, I contacted XXXX multiple times through chat and email to clarify the reason for deactivation. Support agents confirmed that my verification was complete and my account was active, but shortly after a normal {$15.00} transaction, I received a message saying my account was under review and then permanently deactivated. 

I have never engaged in any fraudulent, high-risk, or restricted activities. My business is transparent and compliant with Squares policies. Despite multiple requests, XXXX failed to provide any factual basis or evidence for this termination and simply stated it was a final decision. This arbitrary action has caused me unnecessary stress and financial disruption. I respectfully request that Squares decision be re-evaluated and that the CFPB ensure fair and transparent treatment for small business users like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX date of birth XX/XX/year> contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA XXXX that you the TRANSUNION, EQUIFAX AND EXPERIAN credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I've attached the copy of the identity theft affidavit and a document listing all the accounts as proof from the US Federal Trade Commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.

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 2025-10-31 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: IL

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

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 2025-10-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: FL

Complaint narrative:
Subject : Dispute Regarding Inaccurate Loan-Modification Denial and Request for Review Dear CFPB, I am submitting this complaint regarding Selene Finance LPs handling of my mortgage-assistance request and its subsequent denial letter dated XX/XX/year>, which inaccurately states that I refused modification terms offered. 

This statement is false and does not accurately reflect my interactions with Selene Finance. 

Background My original servicer, XXXX, approved a Trial Payment Plan ( TPP ) based on a documented medical hardship, extending my loan from XXXX to XXXX years and additional amount on the back of my loan. 

I made all required trial payments on time. 

In XX/XX/year>, Selene Finance LP issued a Florida Partial Claim Note and Modification requiring execution by XX/XX/year>. 

Before signing, I requested clarification regarding how the alleged past-due balance of {$12000.00} was calculated and why it was being added to the back of my loan, since I was not delinquent at the time of my hardship request and my previous servicer, XXXX already added an amount on the back of my loan and extended it from the original XXXX  years to XXXX  years. 

I never refused the offer from Selene, I even called and wrote to them to simply asked for written confirmation and explanation to ensure the terms complied with XXXX guidance before execution. 
Rather than providing clarification, Selene closed my application and issued a denial letter mischaracterizing my request for information as a refusal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: FL

Complaint narrative:
I am submitting a complaint to follow up on my previous disputes regarding the account XXXX XXXX XXXX which is currently reported with a balance of {$0.00} and classified as Charged Off. Despite my prior disputes, this account continues to appear on my credit report in an inaccurate and unverifiable manner. I am formally demanding the permanent removal of this account from my credit report, as its continued reporting violates my rights under the Fair Credit Reporting Act ( FCRA ).

Under FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes inaccurate information. Any information that can not be verified must be deleted from the consumers credit file. In addition, under FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 605B / 15 U.S.C. 1681c-2 ), furnishers of information have a duty to report only accurate and verifiable information. Reporting an account as Charged Off when it is not substantiated with proper documentation constitutes a direct violation of these legal obligations.

This account contains no current balance, and there is no verifiable documentation to justify its classification as charged off. Its continued presence on my credit report is therefore inaccurate, misleading, and detrimental to my credit profile. The account furnisher has failed to provide proof of the debt in accordance with federal law, and your agency has failed to ensure maximum possible accuracy in reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: NY

Complaint narrative:
On a random day my account was closed and I reached out to cashapp every day for a resolution and have gotten little to no help everyday I am being told a different story and this is very frustrating do to the account having money in it I cant access and not being transferred to a manager this is very ridiculous has been going on for about 2 weeks

Company response to consumer: Closed with explanation