vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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 disputing inaccurate late account reporting on my XXXX credit report. Several accounts, including XXXX XXXXXXXX, XXXX XXXXXXXX XXXX, and XXXX XXXX show repeated late payments ranging from XXXX to 150 days that do not reflect my actual payment history. Under FCRA 611 ( 15 U.S.C 1681i ), I have the right to dispute inaccurate information and request a reasonable reinvestigation. FCRA 623 ( a ) ( 2 ) requires furnishers to report accurate information, and 623 ( b ) obligates them to investigate disputes and provide verification. These reporting errors violate FCRA 602, which ensures fairness, accuracy, and privacy.

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 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
XXXX was my first email stolen and pay pal has no options for me to login. Wont even ask for my id.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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:
After carefully reviewing my credit reports, I discovered that multiple companies are reporting inaccurate, duplicate, and unverifiable information that does not belong to me or has not been properly validated. Despite filing formal written disputes with all three credit bureaus, these items continue to appear without documentation or verification as required under the Fair Credit Reporting Act ( FCRA ). The companies involved include 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, and XXXX XXXX XXXX XXXX Each of these furnishers has failed to provide original documentation or proof that these accounts are valid, accurate, or authorized. 

In particular, XXXX XXXX XXXX is reporting a single account twice once under its own name and again through a third-party debt collection agency, which constitutes duplicate reporting and creates an unfairly negative impact on my credit profile. This conduct violates FCRA 1681e ( b ) ( failure to maintain maximum possible accuracy ), FCRA 1681i ( a ) ( failure to reinvestigate disputed information ), and FCRA 1681s-2 ( b ) ( furnishers duty to investigate disputed data ). These companies are continuing to report unverifiable, inaccurate, and outdated information despite notice, which also constitutes willful noncompliance under FCRA 1681n and 1681o.

I am requesting that the Consumer Financial Protection Bureau investigate these violations and require the immediate permanent removal of all unverifiable, duplicate, and inaccurate accounts and inquiries from my credit reports. I am also requesting that the credit bureaus provide written confirmation of deletion and ensure that all third parties who previously received my credit report are notified of these corrections as required under FCRA 1681i ( d ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: TX

Complaint narrative:
After carefully reviewing my credit reports, I discovered that multiple companies are reporting inaccurate, duplicate, and unverifiable information that does not belong to me or has not been properly validated. Despite filing formal written disputes with all three credit bureaus, these items continue to appear without documentation or verification as required under the Fair Credit Reporting Act ( FCRA ). The companies involved include 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, and XXXX XXXX XXXX XXXX Each of these furnishers has failed to provide original documentation or proof that these accounts are valid, accurate, or authorized. 

In particular, XXXX XXXX XXXX is reporting a single account twice once under its own name and again through a third-party debt collection agency, which constitutes duplicate reporting and creates an unfairly negative impact on my credit profile. This conduct violates FCRA 1681e ( b ) ( failure to maintain maximum possible accuracy ), FCRA 1681i ( a ) ( failure to reinvestigate disputed information ), and FCRA 1681s-2 ( b ) ( furnishers duty to investigate disputed data ). These companies are continuing to report unverifiable, inaccurate, and outdated information despite notice, which also constitutes willful noncompliance under FCRA 1681n and 1681o.

I am requesting that the Consumer Financial Protection Bureau investigate these violations and require the immediate permanent removal of all unverifiable, duplicate, and inaccurate accounts and inquiries from my credit reports. I am also requesting that the credit bureaus provide written confirmation of deletion and ensure that all third parties who previously received my credit report are notified of these corrections as required under FCRA 1681i ( d ).

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 2025-10-20 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: NC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I sent {$20.00} to my coworker using cashapp. We had an ongoing joke about XXXX  sandwiches. In the notes section I made reference to the XXXX  sandwich and cash app froze my account. This happened on XX/XX/XXXX of 2025. I was told it would take 2-3 business days to resolve this problem its been nearly a month. I spoke with customer service several times and got no information at all. I received two emails from cashapp asking me to explain the transaction and I let them know it was a joke both times. Now its been two weeks with no follow up emails from cashapp. I have more than {$3600.00} in my savings and I can not withdraw it. I tried to close my account to withdraw my funds but I can not close my account while it is locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: CA

Complaint narrative:
I had so many attempts to fix the issue but they havent fixed the problem, lending club is reporting fraudulent payments history on my credit report and I had submitted proof of the payments were on time but Experian is discriminating against me and going on behalf of the bank and they refused to correct my credit report, payments were never late.

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 2025-10-20 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: WA

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. Furthermore, the FCRA requires that unverifiable or inaccurate information must be corrected or deleted within the legally mandated timeframe. The continued reporting of this late payment is a direct violation of these provisions. 
XXXX XXXX XXXX XXXX Balance : {$13000.00}

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 non-monetary relief
Consumer complaint received 2025-10-20 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: DE

Complaint narrative:
This correspondence serves as my second formal dispute regarding the reporting of my XXXX XXXX XXXX account Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance : {$520.00}. Despite my previous dispute submission and good-faith efforts to ensure the accuracy of my credit file, this account continues to be reported inaccurately. The reported late payment information is inconsistent with my verified payment history and does not reflect my responsible management of this account. 
Upon careful review of my records, including payment confirmations, bank statements, and transaction logs, it is clear that all payments were made in full and within the scheduled due dates. The continued presence of these alleged delinquencies is not only factually incorrect but also misleading, creating a false impression of financial irresponsibility.

Such erroneous reporting has the potential to negatively impact my creditworthiness and may interfere with my ability to obtain credit or favorable financial terms.

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 2025-10-20 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: TX

Complaint narrative:
I am submitting as a consumer who has carefully reviewed my credit report and identified inaccurate reporting that is harming my financial standing. Under the Fair Credit Reporting Act ( FCRA ), specifically sections 1681e ( b ) and 1681i, I have the right to dispute inaccurate information and to have disputed accounts reinvestigated to ensure maximum possible accuracy. The information I am disputing is detailed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$54000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$34000.00}

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 non-monetary relief
Consumer complaint received 2025-10-20 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: CA

Complaint narrative:
I am disputing inaccurate late account reporting on my XXXX credit report. Several accounts, including XXXX XXXXXXXX, XXXX XXXXXXXX XXXX, and XXXX XXXX show repeated late payments ranging from XXXX to 150 days that do not reflect my actual payment history. Under FCRA 611 ( 15 U.S.C 1681i ), I have the right to dispute inaccurate information and request a reasonable reinvestigation. FCRA 623 ( a ) ( 2 ) requires furnishers to report accurate information, and 623 ( b ) obligates them to investigate disputes and provide verification. These reporting errors violate FCRA 602, which ensures fairness, accuracy, and privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: CA

Complaint narrative:
I am disputing inaccurate late account reporting on my XXXX credit report. Several accounts, including XXXX XXXXXXXX, XXXX XXXXXXXX XXXX, and XXXX XXXX show repeated late payments ranging from XXXX to 150 days that do not reflect my actual payment history. Under FCRA 611 ( 15 U.S.C 1681i ), I have the right to dispute inaccurate information and request a reasonable reinvestigation. FCRA 623 ( a ) ( 2 ) requires furnishers to report accurate information, and 623 ( b ) obligates them to investigate disputes and provide verification. These reporting errors violate FCRA 602, which ensures fairness, accuracy, and privacy.

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 2025-10-20 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: FL

Complaint narrative:
I want to make it absolutely clear that this complaint is not a mistake. My credit report contains significant inaccuracies that fail to meet the standard of maximum possible accuracy required by law. These errors are causing ongoing and serious harm to meboth emotionally and financially.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: Figure Technologies, Inc
State: AZ

Complaint narrative:
I looked into Figure account services to see if they had any credit repair type loans. They did not so I didn't continue with the account. I asked them to close my email and personal info and they refused. 

Later it said I wasnt accepted for a heloc loan and it tanked my credit XXXX points. When I asked their customer service they literally confused approval with applying. They kept saying you weren't approved so theirs no loan due to XXXX. I explained they are responding but not addressing the fact that there shouldn't be a denial because I didn't authorize to proceed with applying even for a soft pull. Customer support acknowledged the error and referred me to other staff to request removal. The new staff confused the same terminology which is highly concerning still wound send to credit agency correct information or remove account. They claimed they need to keep my information and at this point this is a scam or not encrypted email because there's no way they talk like a XXXX XXXX XXXX who doesn't know. 

I want my account information removed off this bogus site and the heloc inquiry removed off my credit report. I didn't authorize this and their staff in XXXX department already confirmed it. 


Have XXXX  XXXX refund all XXXX dollars. I signed up for a free credit report and then it billed me XXXX and XXXX dollars. The account doesn't even have my card uploaded to it and it somehow still is billing me. I never selected a plan or any other credit services. They just didn't want to give my money back and this site seems scammy or foreign. XXXX shows multiple other people saying they were billed without permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
These accounts are on my credit file without my authorization or knowledge. I have never opened, authorized, or managed them. This is unacceptable and creates false, damaging information about 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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: NV

Complaint narrative:
Entered into forbearance with citizens which ended in XXXX of 2025. I was approved for a loan modification with paperwork dated XX/XX/XXXX of 2025 detailing a trial period for the new payment amount. XXXX trial payments were due between XXXX and XXXX and all were made in advanced and on time. New loan documents were notarized in XXXX of 2025 and updated paperwork confirmed first modified loan payment was due XX/XX/ 2025. Loan was modified to add a balloon payment amount to the end of the loan for all missed payments during forbearance. 
Citizens has reported all months of the trial period payment plan ( XXXX ) as XXXX days late to credit bureaus. When contacted, citizens has insisted that even though all instructions were followed in accordance with the forbearance and modification process, they are marking the balloon amount due ( from the forbearance period ) as XXXX days late because it was not paid in full prior to the loan being modified. The account now has 5 months of missed payments reported as XXXX days late, even though trial payments were received. 

First payment of the trial period plan was also made in XXXX ( earlier than required ) and rather than advise me that this needed to be applied to a XXXX day late balance, it was applied to the following months trial payment. 

No payments during the life of the loan were ever missed or late unless instructed by citizens in accordance with the instructions of their payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: TrueAccord Corp.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/year> TrueAccord Corporations XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, KS XXXX RE : Request for Debt Validation XXXX To Whom It May Concern : I am writing in response to your [ letter/phone call ] dated [ insert date ], regarding the alleged debt you claim I owe. This letter is not an acknowledgment of the debt but a formal request for validation and verification of the debt, as provided under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
Please provide the following information : 1. The name and address of the original creditor. 
2. The amount of the alleged debt, including an itemized breakdown of fees, interest, and principal. 
3. A copy of the original signed contract or agreement that created this debt. 
4. Documentation showing that your company has the legal right to collect this debt. 
5. A copy of any judgment ( if applicable ). 
6. The date the debt was incurred and the date of last payment. 
Until this information is provided, please cease all collection activity and refrain from reporting or verifying this account to any credit reporting agencies, as doing so would violate the FDCPA. 
Please note that I am keeping detailed records of all correspondence related to this matter. If you are unable to validate the debt, please remove it from your records and cease all contact with me regarding this account. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alorica Inc.
State: NY

Complaint narrative:
XXXX line of credit account solve the tighten XXXX at purchasing. They are sending me a letter asking me to for payments to them for an unknown line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: Skopos Financial, LLC
State: CA

Complaint narrative:
Ive had this loan for years and it was originally for about XXXX and I have paid years with it taking out a direct debit, I saw fees each month as other for XXXX and a late fee of XXXX!!!! But my bank paid the XXXX monthly installment its been horrible, I tried calling representatives to help with the fees and they said they can not waive any of the fees. Im a XXXX veteran and because of my XXXX this is overwhelming so I have not been able to do much about it until now I am reaching out for the fees to be returned to me and this business reported! They are very misleading and shady!

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 2025-10-20 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:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file.

Company response to consumer: Closed with explanation