vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 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:
This is now the XXXX  time I am writing to dispute the inaccurate and incomplete XXXX  information reported on my credit report. Despite my previous requests, this matter remains unresolved. The repeated lack of response and corrective action not only violates my rights under the Fair Credit Reporting Act ( FCRA ) but has also caused unnecessary stress and potential harm to my financial reputation. 
Details of the Inaccuracy The XXXX  information reported on my credit file contains multiple inaccuracies and inconsistencies across bureaus, as outlined below : XXXX  Reference # : XXXX INACCURACIES OR ISSUES IN THE XXXX  REPORTING XXXX. Filing Date Conflicts XXXX  & Experian : XXXX XXXX XXXX  : XXXX XXXX Conflict : XXXX discrepancy XXXX. Reference Number Conflicts XXXX  : XXXX Experian : XXXX XXXX  : XXXX All XXXX are different should match for the same case XXXX. Court Name Conflicts XXXX : XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX different formats/labels inconsistent reporting XXXX. Closing Date Issues XXXX ( first record ) : XXXX Experian ( first record ) : XXXX XXXX : Missing XXXX  ( XXXX & XXXX sections ) : Blank Not uniform across bureaus XXXX. XXXX XXXX XXXX XXXX XXXX  ( XXXX section ) : No data at all ( type, status, date, reference #, closing date, court missing ). 
XXXX  ( XXXX section ) : Same completely blank. 
Makes it look like extra XXXX  exist but with no details. 

6. Duplicate / Multiple Reporting XXXXXXXX XXXX XXXXXXXX XXXX XXXX  is being reported multiple times, but with different details across XXXX, Experian, and XXXX. 
This duplication can lower credit score unfairly.

7. Asset, Liability, and Exempt Amounts All XXXX  bureaus list XXXX for Assets, Liability, and Exempt Amount. 
While not always inaccurate, it looks incomplete ( many reports usually show values unless truly {$0.00} ). 


Violations of the Fair Credit Reporting Act ( FCRA ) : 1. FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Credit reporting agencies must ensure the maximum possible accuracy of the information reported. The discrepancies in filing dates, closing dates, and court details clearly violate this requirement.

2. FCRA Section 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ) : Credit bureaus are legally obligated to investigate disputes and correct inaccuracies within 30 days. Failure to do so constitutes a breach of consumer rights under federal law.

3. FCRA Section 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ) : Information furnishers are prohibited from knowingly reporting inaccurate or incomplete information.

4. FCRA Section 605 ( a ) ( 1 ) ( 15 U.S.C. 1681c ) : Bankruptcies must be reported accurately and can not contain incomplete or outdated information.

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 2025-10-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: STATE BANKSHARES, INC.
State: MN

Complaint narrative:
In XX/XX/year>, my biweekly mortgage payment was returned due to insufficient funds. I contacted Bell Bank multiple times between XXXX and XX/XX/year> to resolve this issue. I made a payment and thereafter in XX/XX/year>, Bell Bank representative XXXX XXXX provided written confirmation that the XXXX biweekly payment issue had been " resolved. '' I relied on this written confirmation from Bell Bank and continued making my regular biweekly payments as scheduled. 

In XX/XX/year>, Bell Bank representative XXXX XXXX contacted me claiming I owed {$1900.00} due to the XX/XX/year> returned payment. I was confused because I had made a payment and XXXX XXXX had previously confirmed this was resolved. When I questioned this discrepancy, XXXX acknowledged that I had received " misinformation '' from Bell Bank staff and stated they would cover a {$16.00} shortage as a result. 

However, Bell Bank continued to claim I owed {$1900.00}. On XX/XX/year>, representative XXXX XXXX offered a payment option but did not explain how a " resolved '' issue became a {$1900.00} debt. 

On XX/XX/year>, Bell Bank withdrew funds from my account without my authorization. When I spoke with representative XXXX on XX/XX/year>, she confirmed this was a " third payment '' that Bell Bank had taken. 

On XX/XX/year>, I submitted a Qualified Written Request under RESPA asking Bell Bank to provide : Documentation of what actions were taken in XX/XX/year> when the issue was marked " resolved '' Explanation of how " resolved '' became {$1900.00} owed Internal account notes from XXXX XXXX  Explanation of the unauthorized XX/XX/year> withdrawal On XX/XX/year>, Bell Bank acknowledged my RESPA request but only resent documents I had already reviewed. They did not answer any of my four specific questions. 

I dispute the {$1900.00} amount because I made a payment to address the XXXX issue, Bell Bank 's own representative confirmed the issue was resolved in XX/XX/year>, and Bell Bank refuses to explain this discrepancy. Additionally, Bell Bank withdrew funds without my authorization while my dispute was pending.

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 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My application was denied all of which I believe either to have been done either by error or misrepresentation. I am the Agent, acting in behalf of the principal. Formally requested an extension of credit to the some of {>= $1,000,000}. I have provided consideration in this company, I deserve proper consideration as well. I will be in contact with Attorney General, if this does not get resolved within 10 days.

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 2025-10-01 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: CA

Complaint narrative:
My credit report does not reflect my correct personal information, which has resulted in the appearance of unknown and inaccurate accounts. I have been a victim of identity theft, and my personal information was fraudulently used to open accounts with which I have never been associated. I filed an FTC Identity Theft Report as instructed by TransUnion and submitted it as required. Despite this, the fraudulent items remain on my credit report. This failure to act continues to cause harm to my financial standing and personal security.

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 2025-10-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year> someone tried to get a capital one/bass pro credit card. It was reported on my credit report, and I've talk to XXXX, and they told me to report it here. I also call the company, and they are sending to their XXXX  department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Grey Inc

Complaint narrative:
On XXXX XX/XX/year> I withdrew USD XXXX from my XXXX account to Greys virtual US account ( Grey reference XXXX ). Grey acknowledged receipt, deducted a USD XXXX fee, and placed the deposit under review. 
Within 24 hours I sent Grey the official XXXX PDF receipt and proof of occupation exactly as requested. Grey promised to complete the review within 72 hours, but fifteen days have passed with no decision and no reply to three follow-up emails. The funds remain frozen and unavailable to me. 
I have attached Greys own request email, my reply with the XXXX receipt, and screenshots of the unanswered follow-ups.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: MA

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$14.00}

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 2025-10-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint against inaccurate and harmful reporting by the furnishers and credit reporting agencies, in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and CFPB regulations. 

Upon reviewing my credit report, I found multiple serious inaccuracies that are damaging my credit profile and causing financial and reputational harm. These include : Wrong Addresses Reported ( Identity/Reporting Errors ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX This is not and has never been my address. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX This is not and has never been my address. 

These false addresses suggest potential identity theft, misreporting, or gross negligence in maintaining accurate records. 

Improper Collection/Charge-Off Accounts : XXXX XXXX XXXX Acct. XXXXXXXX XXXX High Balance : {$810.00} | Date Opened : XX/XX/XXXX | Reported as Collection.

I dispute this debt. I have never received any proper validation of this account. Reporting this without verification is a violation of FDCPA 809 ( a ) and FCRA 609/611. 

XXXX XXXX XXXX Acct. XXXXXXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$490.00} | Reported as Charge-Off.

This entry is inaccurate and unverified. Reporting duplicate/fraudulent accounts with conflicting information constitutes willful misreporting under FCRA 623 ( a ) ( 1 ) ( A ). 

Unauthorized Inquiry : XXXX XXXX XXXX on XX/XX/XXXX I did not authorize this inquiry. Unauthorized inquiries violate my consumer rights under the FCRA and may indicate potential identity misuse. 

Requested Action : I respectfully request that CFPB investigate these violations immediately and ensure that : All wrong addresses are permanently deleted from my credit profile. 

XXXX XXXX XXXX provides full validation of the alleged debts, or the accounts are deleted. 

The duplicate/unverified charge-off is removed. 

The unauthorized inquiry from XXXX XXXX is investigated and deleted. 

These errors are false, misleading, and harmful to my creditworthiness. They have caused me undue stress, financial hardship, and denial of credit opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: CA

Complaint narrative:
I am filing this complaint against Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ). 

Despite my written disputes and a second notice, Experian continues to report fraudulent and inaccurate collection accounts, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Treasury XXXX XXXX XXXX XXXX XXXX Experian has failed to comply with : 15 U.S.C. 1681i ( a ) Duty to reinvestigate and delete unverifiable information. 
15 U.S.C. 1681c-2 Obligation to block identity theft-related data within 4 business days.

15 U.S.C. 1681e ( b ) Duty to ensure maximum possible accuracy.

This continued reporting has caused credit denials, financial harm, and emotional distress.

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 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am traveling to XXXX to visit family. I was able to use my Chase Bank credit card on one app. Now I'm trying to use it on another app. It goes through to the last stage and then said it failed. Multiple times. Other cards, which I reserve for other uses, but was forced to use here, have worked. Their chat interface is difficult to find because all their customer service is done through the phone. I do not want to use international roaming on my american phone, nor international calling on my XXXX phone, just to talk to customer service for a problem that shouldn't happen in the first place. I finally found a chat option but there is no way to get a representative- it's merely a chat bot. 

Extremely frustrated, I wanted to raise this as an issue to their higher levels. I found out, there's no email address for escalation. I will have to go through XXXX  or CFPB- which I find ridiculous - not expected from a " reputed '' company like Chase. Their XXXX  score tells me that they're not as reputed as I assumed. 

So here I am, as a last resort to get through to Chase admin and tech support, just to ask them for a better customer experience. 

For security concerns, I'm not attaching screenshots. I'm also not writing the credit card number in the next screen for the same reason. The company can find me with my name and email address associated with this CFPB account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$690.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
Summary of Complaint : I submitted two disputes through Cash App for unauthorized or fraudulent transactions : {$100.00} payment on XX/XX/XXXX ( investment agreement where no return was provided ) {$40.00} payment on XX/XX/XXXX ( agreement not fulfilled ) Cash App initially told me the disputes were pending. However, I later received an email saying : We have completed your request for the documentation that Cash App relied on to resolve your dispute no further action will be taken. 

Problems with Cash Apps handling : 1. The documentation provided was only a generic summary. It did not include the actual evidence relied upon to deny my claims, nor the screenshots and documents I submitted. 
2. The document provided was misdated ( showed XX/XX/XXXX when the date was XX/XX/XXXX ), which calls into question the accuracy of their records. 
3. Cash App chat support told me the disputes are still pending, but the email said they were completed and no further action would be taken. This is contradictory and prevents me from knowing the true status of my disputes. 

Desired Resolution : Written confirmation of the status of both disputes ( {$100.00} on XX/XX/XXXX and {$40.00} on XX/XX/XXXX ). 
Copies of the actual documentation relied upon by Cash App to deny my claims ( merchant evidence, logs, receipts, etc. ), not just summaries. 
Correction of the misdated documentation. 
A full and fair re-review of my disputes with consideration of the evidence I submitted. 
Refunds if Cash App can not provide legitimate evidence that these transactions were fulfilled as agreed. 

Consumer Name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: GA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I sent a money order to Synchrony Bank- for XXXX XXXX. It was a charge off I settled the agreed amount of {$250.00}. They received the payment and stated they would send the letter after 20 days through the mail. They say they can not email or faxed me a letter but can only send a hard copy. I have called them over 3 times if not more. But to this date I have not received the letter. They claim its their policy to only send hard copies. I am waiting on XXXX and XXXX. They still have not reported my payment.

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 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: AL

Complaint narrative:
I opened a account with XXXX on XX/XX/2025. I deposited {$10000.00} to that account. Then when that deposited was completed I purchased that in XXXX. Then they said I strange activity with the account so they decided to close it that was around XX/XX/2025. They also sold that XXXX back to XXXX dollar like they should have done that amount ended up being {$9900.00}. Now then they have not deposited that money back to my account. My checking account was with XXXX XXXX Bank but now they was bought out by XXXXXXXX XXXX

Company response to consumer: Closed with explanation