vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 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: IL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: SC

Complaint narrative:
I am filing a complaint against XXXX  for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX  consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX  actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX  complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that Ive marked as inaccurate : MOHELA My credit dropped over XXXX points because of late marks! Ive spoken to a representative when I first noticed this changed but no one could confirm my account or any information that was given to them. It took hours to speak to someone and still got no resolution with this company. My credit score was affected tremendously because of this and its like the company does not even care. There were no notices about the account being off of deferral and being XXXX  days past due

Company response to consumer: Untimely response
Consumer complaint received 2025-07-26 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: Lendmark Financial Services
State: CA

Complaint narrative:
On XX/XX/year>, I was alerted by XXXX that a credit inquiry had been made by Landmark Financial. This inquiry was made without my knowledge or consent. On the following days other credit inquiries were made to the XXXX major credit bureaus by someone trying to open accounts using my information without my knowledge or consent. 

On XX/XX/XXXX, I contacted the XXXX major credit bureaus and froze my credit status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: CA

Complaint narrative:
On XX/XX/year>, my digital wallet account was suddenly limited. The company requested proof of identification to resolve the issue. I complied immediately on XX/XX/year>, by submitting all required documentation. 
Despite my full and prompt cooperation, on XX/XX/year>, the company made a final decision to permanently suspend my account. The only justification provided was a vague reference to a " high level of risk, '' with no specific details, evidence, or explanation of what activity was considered risky. 
The company explicitly stated they would not disclose the reasons for their decision, citing confidential internal risk models. This practice is fundamentally unfair. It leaves a consumer with no way to understand the basis of the accusation, no opportunity to contest the findings, and no path to recourse. The company 's own " advocacy '' office confirmed this decision was final and could not be appealed. 
This action has caused significant financial disruption. The company 's refusal to provide any transparency while taking such a drastic measure constitutes an unfair and deceptive business practice. I believe I have the right to know the specific reason for my account 's termination, especially after fully cooperating with all their requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
IN 2021 MY PHONE WAS HACKED AND I WAS THE VICTIM OF HUGE SCAM THAT COMPROMISED MY XXXX ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX XXXX  AND I WAS SCAMMED OUT OF XXXX THESE COMPANIES CONTINUE TO ILLEGALLY AND IN BAD FAITH REPORT FALSE NEGATIVE CREDIT INFORMATION ON CHEX SYSTEMS XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CHARLES SCHWAB CORPORATION, THE
State: FL

Complaint narrative:
IN 2021 MY PHONE WAS HACKED AND I WAS THE VICTIM OF HUGE SCAM THAT COMPROMISED MY XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX AND I WAS SCAMMED OUT OF XXXX THESE COMPANIES CONTINUE TO ILLEGALLY AND IN BAD FAITH REPORT FALSE NEGATIVE CREDIT INFORMATION ON XXXX XXXX XXXX XXXX AND XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I want to report a fraudulent transaction on my account. I believe I was scammed, and I need help filing a dispute. 

I was approached by someone claiming to offer a legitimate trading or investment opportunity. They seemed trustworthy and even showed supposed profits and testimonials. I transferred the money thinking it was a real business, but then they disappeared, and I now realize it was a scam. 

I feel really devastated because I trusted them, and I didnt realize it was a scam until it was too late. Im a XXXX  mom doing my best to support my kids, and this has been a big financial loss for me. 

The transaction happened on XX/XX/year>2025 {$10000.00} XX/XX/year>2025 {$10000.00} and XX/XX/year>2025 {$20000.00}. I can give you all the details and any proof I have. 

Please, investigate and help recover the money if possible. I did not authorize this with full knowledge I was being scammed. I was misled.

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 2025-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MD

Complaint narrative:
On XX/XX/scrub> 2025, I sent a {$35.00} tip via Cash App to a XXXX XXXX at the XXXX in XXXX XXXX. The payment note included my room number and a thank-you message. Soon after, I received a compliance email asking for an explanation. I replied immediately, explaining it was a XXXX  tip for a service provided during a family reunion. 

Despite my prompt response, I was given XXXXwo case numbers and repeatedly told to wait. Eventually, Cash App closed my case without confirming anything. They did not explain what was investigated or what decision was made. Now I can not use my Cash Card or access the funds on it. No one has confirmed whether my account is still flagged, and no one from their compliance team has followed up.

This is a legal XXXX  transaction, and I am being denied access to my money with no clear justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
In XX/XX/year>, I filed a dispute with XXXX  regarding a fraudulent TD Auto Finance vehicle loan that was reported under my name with a balance of approximately {$48000.00}. I did not open this account, sign any documents, or authorize the use of my Social Security Number. I submitted supporting evidence, including : FTC Identity Theft Affidavit Copy of my ID and utility bill Screenshots of the individual admitting they used my identity A credit report alert showing charge-off status Despite this, XXXX  verified the account as valid and refused to remove it. I requested an explanation or Method of Verification, but they have not provided details on how they confirmed this account belonged to me. 

I also attempted to file a police report, but was told that the crime occurred in another state ( XXXX  ) and could not be handled by XXXX  authorities. 

This false account is significantly damaging my credit. Im requesting the CFPB to assist in having this account removed from my report and to hold XXXX accountable for failure to comply with the FCRA and their responsibilities to investigate identity theft disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: CO

Complaint narrative:
I am writing to formally dispute an account appearing on my credit report that contains inconsistent and inaccurate reporting of the account closure date across all three major credit bureaus. 

The account in question is : Creditor/Lender Name : XXXX  Account Number : The Reported Date, Date Closed, and Payment History for this account is being reported differently across the following credit bureaus : XXXX  reports : Reported Date : XX/XX/XXXX, Closed Date : XX/XX/XXXX, Payment History : XXXX months/days late XXXX  reports : Reported Date : XX/XX/XXXX, Closed Date : XX/XX/XXXX, Payment History : XXXX months/days late TransUnion reports : Reported Date : XX/XX/XXXX, Closed Date : XX/XX/XXXX, Payment History : XXXX months/days late This is a clear violation of the Fair Credit Reporting Act, specifically : 15 U.S.C. 1681e ( b ) This requires credit bureaus to maintain maximum possible accuracy in the information they report.

15 U.S.C. 1681i ( a ) This section requires credit bureaus to reinvestigate any disputed item that is incomplete or inaccurate.

Due to the inconsistent reporting of the closure date, the account is being presented in a false and misleading manner, which affects the accuracy of my credit profile and creditworthiness.

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 2025-07-26 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: CO

Complaint narrative:
I am writing to formally dispute an account appearing on my credit report that contains inconsistent and inaccurate reporting of the account closure date across all three major credit bureaus. 

The account in question is : Creditor/Lender Name : XXXX  Account Number : The Reported Date, Date Closed, and Payment History for this account is being reported differently across the following credit bureaus : XXXX  reports : Reported Date : XX/XX/XXXX, Closed Date : XX/XX/XXXX, Payment History : XXXX months/days late Equifax reports : Reported Date : XX/XX/XXXX, Closed Date : XX/XX/XXXX, Payment History : XXXX months/days late XXXX  reports : Reported Date : XX/XX/XXXX, Closed Date : XX/XX/XXXX, Payment History : XXXX months/days late This is a clear violation of the Fair Credit Reporting Act, specifically : 15 U.S.C. 1681e ( b ) This requires credit bureaus to maintain maximum possible accuracy in the information they report.

15 U.S.C. 1681i ( a ) This section requires credit bureaus to reinvestigate any disputed item that is incomplete or inaccurate.

Due to the inconsistent reporting of the closure date, the account is being presented in a false and misleading manner, which affects the accuracy of my credit profile and creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint against the credit reporting agencies TransUnion, Experian, and Equifax for failing to ensure the maximum possible accuracy of the information they report on my credit file, as required under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ). 

I recently disputed several derogatory accounts on my credit report and requested verification. Despite my request, some of the accounts came back as " verified, '' yet they still reflect incorrect, incomplete, or inconsistent information across the three credit bureaus. 

Account : XXXX Account number : XXXX inaccurate inconsistent information reported as follows : Date opened XX/XX/year> vs XX/XX/year> High credit Credit limit I believe the credit reporting agencies have failed to conduct a proper reinvestigation and are continuing to report inaccurate and misleading information. Under the FCRA, information must be complete and verifiable, and the current reporting fails that standard. 



Provide documentation of the verification method used. 

Ensure all reported accounts meet the standard of maximum possible accuracy. 

The continued reporting of unverifiable or conflicting data is damaging my creditworthiness and causing harm. 

Additional Information : I have retained documentation/screenshots showing the discrepancies. 

Disputes were submitted through the appropriate channels and responses were inadequate. 

These actions violate my rights under the FCRA.

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 2025-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Shepherd Outsourcing, LLC
State: IA

Complaint narrative:
This company Shepherd Outsourcing , LLC recently purchased presumed debt. On XX/XX/year> I sent certified letter to XXXX XXXX XXXX XXXX to provide documentation that I owed that debt, original creditor information, history of charges, payments, interest. Validity of such debt. No response was submitted. Appears they sold it to Shepard Outsourcing LLC. At no time have they contacted me. Instead they contacted a friend disclosed my name, they were texting to collect a debt etc. All details that per FDCPA is illegal to do. Friend sent me a screenshot he received from them with all information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XX/XX/year>, I attempted to withdraw {$250.00} from the Chase Bank ATM located at XXXX XXXX XXXX XXXX XXXX, XXXX, MA, XXXX. The transaction was processed by the machine, but the funds were never dispensed. I immediately contacted my local welfare office ( Department of Transitional Assistance ), who confirmed that the issue was with the ATM and not on their end. 



On XX/XX/year>, I contacted the Chase Bank branch to report the missing funds. I was informed they were experiencing technical issues and that a branch manager would return my call. No one followed up. I called again twice the days after and still was being dismissed by the workers and being lied to. I have receipts and footage from the ATM from the day of the incident. that I provided to the employees and still got no help, I also have the Sequence # to the atm on the receipts. 



I have now gone several days without access to the funds, and it has caused me serious hardship. I rely on this money for food and transportation for myself and my daughter. I have not been given any updates, resolution, or proper follow-through despite multiple voicemails and calls. I am requesting immediate investigation and reimbursement of the {$250.00} that was not dispensed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/year> I missed paying the full amount due for my XX/XX/year> statement. Once I noticed it, promptly submitted payment the following day for the outstanding statement balance from the XXXX statement as was displayed in the Amex portal for {$5000.00} which cleared on XX/XX/XXXX. On XX/XX/XXXX I was charged the late fee of {$29.00}, as expected and on XX/XX/year> I was charged {$110.00} for interest which again was expected give the late payment. 

Then on XX/XX/year> I paid the full statement balance on time. I was not charged any late fees for the XXXX statement payment since I paid it on time and in full. Yet on XXXXXXXX XXXX I was charged {$80.00} in interest. 

I tried getting the math behind the charge, but Amex support did not provide it. I claimed that I have to pay two months of interest for missing one month of payment. 

Interestingly enough, this wasnt the case two years ago when I had a similar lapse in memory and forget to pay on time. Then I was only charge one month for interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I was a victim of identity theft I was part of the Equifax breach settlement I was part of the XXXX XXXX my identity was stolen and I have several accounts thats not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX account XXXX I have sent certified letters to each creditor asking for a signature or contract I havent received anything Im just asking as citizen for these things to be resolved. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: FL

Complaint narrative:
I was able to borrow up to XXXX dollars from my cash app account .. times got hard for a bit and I was not able to pay back all at once .. when I got my check they took XXXX and no longer allowed me to borrow money .. it has been almost a year that I have paid them back every cent and they still have not allowed me to borrow money again stating I have not paid them back ... i told the representative i paid them back over 1 year ago in full and waa hung up on ... cash app should be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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