vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/year>2025, my Equifax credit report is inaccurate for XXXX XXXX my payment history has no update and that is inaccurate. I need this to be fixed immediately please Iam writing to challenge the reporting and compliance on an account with XXXX XXXX that is being reported on my credit report with missing information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: IQOR US INC
State: IA

Complaint narrative:
I am reporting Allied Interstate LLC for continuing to report a fraudulent collection account on my credit report from XXXX XXXX XXXX. in the amount of {$620.00}. 
I disputed this account in writing multiple times at this point, and have provided an Identity Theft Report along with all required documentation. XXXX XXXX has failed to validate the debt or remove the account. 
They are in violation of the FDCPA and FCRA, including Section 605B. I am requesting immediate removal of the account and investigation of this matter.

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 2025-05-18 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: Paypal Holdings, Inc
State: OK

Complaint narrative:
I created a new XXXX account after losing access to my old phone number and old XXXX account, which was under the name " XXXX XXXX. '' I called support to update my information and was guided through normal verification steps. 

I created a brand new account using my legal name, XXXX XXXX, and uploaded my government-issued ID as requested. I had not performed any activity or transactions on the new account I was just completing initial setup. 

Immediately after submitting my ID, XXXX permanently suspended the new account and cited a generic violation of the User Agreement. They refused to explain what policy was violated or how to fix it. They also stated that I am permanently banned from using XXXX and can not create another account. 

This seems to be the result of an automated system, possibly triggered by name mismatches or cross-referencing with an inactive account that had no violations. Ive done nothing wrong and am being denied access to a major financial tool with no due process or real explanation. 

I would like a fair review, a clear explanation of the decision, and the opportunity to access XXXX under my legal name and updated contact information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
Issue : Vehicle repossession and post-repossession deficiency balance Company : Lobel Financial Corp. 
Account Number : XXXX Complaint Summary : Lobel Financial repossessed my vehicle and has reported a charge-off balance of over {$13000.00} to the credit bureaus. However, they failed to provide the legally required deficiency balance explanation following the sale of the vehicle, as required under UCC 9-616.

Despite my dispute, the company only sent me a copy of the original contract. They did not provide : The sale date or price of the vehicle Fees assessed Proceeds applied A calculation of how they arrived at the current balance In addition, Lobel Financial and XXXX XXXX XXXX XXXX both accessed my credit file on XX/XX/scrub> 2023, without my consent and with no permissible purpose under FCRA XXXX. This was after the repossession, and I had not applied for new credit. 

Also, both companies appear to be reporting the same account balance on my credit reports, creating the false appearance of two debts for one vehicle a violation of FCRA 1681s-2 ( a ).

I am requesting that the CFPB investigate these violations and that Lobel Financial be required to : 1. Provide a full post-sale deficiency breakdown 2. Remove any unauthorized credit inquiries 3. Correct or delete any duplicate or misleading tradelines 4. Cease all collection activity until they are in legal compliance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
The bankruptcy that shows on my credit report is not accurate as it was dismissed fully in court in that XXXX XXXX XXXX There are also medical bills for XXXX XXXX XXXX which were the financial responsibility of my late husband, XXXX XXXX, who is deceased. 
During our marriage, I was not allowed to ask about or be a part of any of the financial accounts in anyway, I had a state of XXXX tax lien dismissed because I filed an innocent spouse form, and they found that there was sufficient evidence that I was not responsible for any financial bills during my marriage with XXXX as he did not allow me to work or to be on any of the accounts or have access to the funds in the accounts.

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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
The bankruptcy that shows on my credit report is not accurate as it was dismissed fully in court in that XXXX XXXX XXXX There are also medical bills for XXXX XXXX XXXX which were the financial responsibility of my late husband, XXXX XXXX, who is deceased. 
During our marriage, I was not allowed to ask about or be a part of any of the financial accounts in anyway, I had a state of XXXX tax lien dismissed because I filed an innocent spouse form, and they found that there was sufficient evidence that I was not responsible for any financial bills during my marriage with XXXX as he did not allow me to work or to be on any of the accounts or have access to the funds in the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
Account XXXX XXXX XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Date : XX/XX/2025 To : Credit Bureaus Re : Dispute of Collections AccounXXXX XXXX XXXX  # [ XXXX ] Dear Sir/Madam, I am writing to formally dispute the collections account listed on my credit report under the account number referenced above. Under 15 U.S. Code 1681i, I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable.

I demand that you conduct a full investigation of this account in compliance with Section 1681i ( a ), which requires that the information be verified, corrected, or deleted if it can not be substantiated. As per Section 1681s-2, it is also the responsibility of the furnisher of information to ensure the accuracy of the data they are providing to the credit bureaus. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), a collections account must be fully validated with supporting documentation from the original creditor. If such validation can not be provided, this account must be removed from my credit report immediately. 

I expect this matter to be resolved within 30 days as required by law, and I look forward to your timely response. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Date : XX/XX/2025 To : Credit Bureaus Re : Dispute of Collections AccounXXXX XXXX XXXX  # [ XXXX ] Dear Sir/Madam, I am writing to formally dispute the collections account listed on my credit report under the account number referenced above. Under 15 U.S. Code 1681i, I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable.

I demand that you conduct a full investigation of this account in compliance with Section 1681i ( a ), which requires that the information be verified, corrected, or deleted if it can not be substantiated. As per Section 1681s-2, it is also the responsibility of the furnisher of information to ensure the accuracy of the data they are providing to the credit bureaus. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), a collections account must be fully validated with supporting documentation from the original creditor. If such validation can not be provided, this account must be removed from my credit report immediately. 

I expect this matter to be resolved within 30 days as required by law, and I look forward to your timely response. 

Thank you for your attention to this urgent 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 non-monetary relief
Consumer complaint received 2025-05-18 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: CITIBANK, N.A.
State: MN

Complaint narrative:
Two recent inquiries appeared on my XXXX  that I did am not familiar with and did not authorize- XXXX XXXX on XX/XX/year>. XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Citibank Na., Best Buy reported on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, SD 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 non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Freedom Mortgage company violates refinance agreement by increasing mortgage payment and impounding account while all payment performed in full. 

Issue Description This year starting from XX/XX/XXXXXXXX  Freedom Mortgage company voluntarily decided to increase the amount of my mortgage payment from {$4100.00} to {$4400.00} ( XXXX XXXX XXXX ) which contradicts of refinance agreement where my mortgage payment is at fixed rate {$4100.00} during XXXX term of mortgage. This month mortgage statement ( XXXX XXXX XXXX ) show that Freedom Mortgage stated charging Escrow/Impound account {$240.00} additional monthly charges, which violates terms of refinance agreement, particularly Waver of Escrow condition ( XXXX XXXX XXXX XXXX XXXX  ). 

Freedom Mortgage explained opening Escrow account because there was 1-month lapse in my homeowners insurance last year from XXXX through XXXX. It was just accident. When I noticed this lapse, I have resumed Homeowners insurance, and it is in place until now ( XXXX XXXX XXXX XXXX XXXX ). Nevertheless, to cover for this lapse Freedom Mortgage opened escrow account last year and charged {$180.00}, which immediately I've paid off in XX/XX/XXXX, and since then until now the balance on escrow is XXXX. Now they started charging escrow account again, and Ive filed several requests to Freedom Mortgage through their website Message Services asking to cancel these charges. They have opened case ID XXXX and case ID XXXX ( XXXX XXXX XXXX ), and these cases were resolved with statement that they are currently reviewing your account and will take the necessary steps to resolve the matter as soon as possible. You will receive response under separate cover. Meanwhile, it is already 2 weeks passed since official requests filed, and about 4 weeks passed since I called them asking to cancel excessive mortgage charges, but no effect so far, and they keep increased charges starting from XX/XX/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 2025-05-18 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:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any dispute information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must- ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : 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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any dispute information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must- ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : 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 non-monetary relief
Consumer complaint received 2025-05-18 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: SC

Complaint narrative:
After filing a dispute with said company the response was they were unable to locate my credit file or account, due to problems on their behalf but still keeping accounts that are incorrect on my credit reports which hurts my credit score and refuse to admit that i have a credit file To Whom It May Concern, I am writing to dispute my entire credit report. I believe that all information contained within the report may be inaccurate or incomplete. This is a formal dispute of inaccurate credit reporting under the Fair Credit Reporting Act ( FCRA ) and consumer law. 

Under the FCRA, specifically under 15 U.S.C. 1681i, I am requesting a thorough investigation of all the information reported on my credit file. I am requesting that any inaccurate, incomplete, or unverifiable information be removed or corrected within the legal time frame.

Furthermore, I believe that my information was obtained illegally, particularly in connection with the Equifax data breach. This breach has compromised my personal information, and I request that any information obtained as a result of this breach be removed from my credit report immediately. 

Please confirm receipt of this dispute and provide an update on the status of your investigation as soon as possible. If I do not receive a response within the required time frame, I will consider pursuing further legal action. 

Thank you for your prompt attention to this matter.

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 2025-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
XX/XX/XXXX my coworker sent XXXX dollars to my daughter cash app to lend me for a bill. 
My daughter tried to withdraw the money and it said " sponsor required '' there are only 2 legal adults in the house over XXXX. XXXX tried to sponsor her since they already had cash app XXXX XXXX and he was denied because he wasn't XXXX XXXX XXXX than her. I opened a cash app account and tried to sponsor her and I was denied and they wont tell me why. She has tried to order a cash app debit card so we could with draw the money to pay the bill and it wont all her to do that without a sponsor. We tried to refund the money back to my coworker and it wont all her to do that without a sponsor. Cash app will not allow her to withdraw or refund the money without a sponsor. Wont allow her to have a card without a sponsor. But they are also refusing the only two people who can sponsor her. We've made two phone calls to customer service. The first call was to wait some period of time and try again. When we did that we received the " reach request limits '' message. Then I called again myself tonight XX/XX/18 in seek of help to obtain money lent to me ( that I had to already repay back ) and they refuse to help me at all. I explained I need this money desperately for a bill, it was lent to me and I already had to repay it and I need the money from the account. They refuse to even refund the money back to the original sender. They refuse to help me with this sponsor problem. They said theyre sorry and they understand my frustration but they are not helping at all. I've even tried at AI chat box. Cash app is essentially holding this money hostage and refusing to help us by any means. This is theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was reviewing my credit report from all credit reports and noticed there are incorrect addresses. I asked for it to be removed from XXXX and also XXXX XXXX XXXX remove the address the reported as mine. XXXX XXXX said it does not make a difference in addresses and will not effect my credit. I have never lived in apartment in my life and not in XXXXXXXX XXXX. Since moving to XXXX I have always lived at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I think my daughter lived there at one point, but I own my home in XXXX XXXX. Experian said XXXX XXXX XXXX will not remove then it stays but that is incorrect information. Also on my experian credit report I have over 13 different incorrect names listed and they will not remove. I have had 2 names in my life, XXXX XXXX XXXX and XXXX XXXX XXXX. I want the 13 names removed, they did not verify anything.

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 2025-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, I was shopping for XXXX  to fly to XXXX. During my flight selection of delta XXXX, I was advertised to apply for their credit card to receive {$500.00} off my flight if approved instantly. I was approved however the website failed to deliver me my credit card number to use immediately. Attempts to resolve with Delta and Amex ( the credit card provider ) were met with the same response that I can wait for the card to arrive but that they cant share the credit card number for the purchase as the offer advertised. I purchased the flight on another card since flight prices nearly always rise and asked if Delta or Amex could recharge the new card when it arrived, and neither could commit to resolving. So now I have a newly opened credit line on my credit and no actually benefit from it unless I spend more money with delta. All of this was a result of an advertised value/ offer that was false due to failure on Deltas website and phone support being unable to deliver me my credit card number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Account XXXX  # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with non-monetary relief