vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: FL

Complaint narrative:
On XX/XX/year>, I contacted XXXX XXXX regarding my bill. I had just switched my number and device over to XXXX XXXX XXXX and due to the switch, my online access was revoked. This prevented me from paying my bill. I contacted support via phone, live chat, and XXXX messages several times to find a way to access my final bill so that I could pay it off. Every attempt to gain access to my account proved impossible, as they closed my account completely and I could not access any XXXX online service with my phone number or billing account number. I opted to go in store so that I representative could access my account from their system. For some reason, even they could not pull my account up, as my name, social security number, and phone number were no longer in their system. 

I could not pay online. I could not pay over the phone. I could not pay in store. All I could do is wait for my bill to be sent to a debt collector, which brings us here. 

My debt is owned by MRS BPO who I can't get in contact with. Their phone line is entirely automated and I can't speak to a live representative no matter how many different prompts I try. I want to pay off this debt but I do not think it's fair for it to show up on my credit report, as I had literally no way to pay my bill. MRS BPO has not given me a fair chance to dispute this report and resolve this debt in a way that does not harm my credit history. I am willing to pay this debt in full, but am not willing to allow it be a negative mark on my credit report. XXXX gave me XXXX opportunity to resolve this debt before it was sent to collections despite my repeated efforts to resolve it on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: OH

Complaint narrative:
I previously had a Square account that I used to process payments for my art business. During a recent three-day arts festival ( XXXX XXXX ), my point-of-sale device suddenly stopped accepting payments. When I contacted Square support that evening, I was informed that my account had been deactivated. When I asked for clarification, the support agent stated that Square reserves the right to deactivate accounts at its discretion without providing an explanation. I was also told that the funds I had earned ( {$240.00} ) would be held for 90 days, until XX/XX/XXXX. 

When I asked about possible solutions, I was told that the decision was final and that my only option was to create a new account using a different email address. A few days later, I did so because a customer wanted to commission a custom piece and I needed to send an invoice. After the customer submitted payment, I was notified that my new account required verification. I submitted my drivers license and a selfie as requested. 

Several days later, I received a message stating that Square was unable to verify my identity and needed additional documentation. I then submitted a copy of the invoice, my drivers license, and my passport. Shortly afterward, I received another email stating that this second account was also being closed and that the funds would be held for 90 days, until XX/XX/XXXX. 

After multiple attempts to resolve the issueincluding chats, phone calls, and emailsI was informed on XX/XX/XXXX by an agent named XXXX that my funds would now be held indefinitely. This has left me without access to money I rightfully earned through my artwork and with no clear explanation or path to resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am submitting this letter as my third formal dispute regarding inaccuracies appearing on my Equifax and Experian credit report. After careful review, I have identified two items that are being reported incorrectly, which misrepresent my financial and personal information. These inaccuracies must be addressed and corrected under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ) to ensure my credit report reflects accurate, complete, and verifiable data. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$870.00}

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 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/year>. {$220.00}. For ticket XXXX XXXX celebration from XXXX. I was rush buy tickets XXXX seats on XX/XX/XXXX. Its from event on XX/XX/XXXX Monday. I been wait for get tickets XXXX seats. I was new with mlb.com I did not get any tickets from email or apps. I kept calling and mlbs email wheres tickets? Because my other friends got tickets from email scan QR code. Its not fair. I been wait. Then passed XX/XX/XXXX event done. I kept calling and wait XXXX months.i want refund. I decide to call my bank Chase for dispute. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am submitting a complaint as the verified owner of my credit file to formally follow up and request the immediate removal of multiple inaccurate, unverified, and improperly reported items that continue to appear across Experian, Equifax, and TransUnion. Despite my previous disputes, these items remain on my reports without proper documentation, validation, or proof of authorization, in violation of FCPA 807 ( 15 U.S.C. 1692e ), FDCPA 809 ( 15 U.S.C. 1692g ), FCRA 605B ( 15 U.S.C. 1681c-2 ), FCRA 619 ( 15 U.S.C. 1681q ), FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ), and FCRA 604 ( f ) ( 15 U.S.C. 1681b ( f ) ).

Experian continues reporting XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX, Balance Owed : {$1000.00} ), while TransUnion lists the same account as XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, Balance Owed : {$1000.00} ). The discrepancy in the original creditor demonstrates that the information is inconsistent, unverifiable, and unreliable. TransUnion also reports XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, Balance Owed : {$12000.00} ), which has never been validated with a contract, signature, or proof of liability. Repeated requests for validation have gone unanswered, violating both FDCPA and FCRA requirements.

Unauthorized and unverified inquiries remain on all three reports. Experian lists inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XXXXXXXX XXXX XXXX XX/XX/XXXX, none of which have documentation proving authorization or permissible purpose. Equifax reports XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, and TransUnion lists XXXXXXXX XXXX XX/XX/XXXX and XX/XX/XXXX, all unverified. These inquiries violate FCRA 604 ( a ) and 604 ( f ), which strictly limit access to consumer reports.

The continued reporting of inconsistent accounts, unverifiable collection balances, and unauthorized inquiries constitutes a clear violation of federal reporting standards and confirms that prior reinvestigations were incomplete or improperly conducted. I am formally requesting that all disputed accounts and inquiries referenced in this letter be permanently removed from my credit reports.

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 2025-11-25 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: VA

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

Company 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 2025-11-25 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: VA

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

Company 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 2025-11-25 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:
I've recently recevied a copy of my credit report and noticed inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
regarding an issue with my XXXX/tax deductions, which appears to have been incorrectly processed twice. 


There is public information and closing documentation to support my request to be refunded. 

Tax information for both properties, clearly showing that the parcels are owned by different individuals. 

Up-to-date GIS/mapping data confirming the ownership of each parcel are different Supporting photos from the GIS/mapping department as well as images of the sites in question. That show I only own one property.

The documentation demonstrates that both properties are not solely owned by me, and as such, the duplicate processing of escrow/tax deductions should be corrected. I kindly request that your office review this information and take the necessary steps to rectify the situation. 

I am unsure where rocket mortgage tax office is sourcing yheir information, as the GIS department in XXXX XXXX confirms that their records show only one parcel under my ownership. It is possible that third-party software or outdated sources are being used to gather ownership data, I was told this by the county tax department

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: CA

Complaint narrative:
This account should be deleted immediately. Here is all the documents you need to show that I am a XXXX XXXX XXXX XXXX. I have XXXX to resolve this case many times get very XXXX and I have all the documents that is required

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 2025-11-25 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: NV

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX - Balance : {$3400.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$720.00} - Account # : XXXX XXXX  XXXX - Balance : {$3600.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: NV

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX - Balance : {$3400.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$720.00} - Account # : XXXX XXXX  XXXX - Balance : {$3600.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/year>, I initiated a ~ {$3200.00} balance transfer from my XXXX XXXX to my Capital One card. The XXXX balance transfer check never reached Capital One. After several weeks with no posting and to avoid accruing interest, I contacted XXXX, placed a stop payment on the check, and paid off my Capital One balance myself. 

Despite the check being stopped, on XX/XX/year>, Capital One posted a credit as if the XXXX check had arrived, causing my account to show a {$3200.00} balance. Believing the transfer had finally gone through, I called Capital One between XX/XX/XXXX and XX/XX/XXXX and requested a refund of the negative balance. Capital One issued a refund check, and my account temporarily returned to {$0.00}. 

On XX/XX/year>, Capital One reversed the original credit as a returned payment because the XXXX check was invalid. However, because Capital One had already initiated the refund check to me, their system then re-added + {$3200.00} back onto my balance. The refund check they claimed to have mailed never arrived. 

To avoid being charged interest again, I had no choice but to pay the {$3200.00} balance a second time, out of pocket. 

I contacted Capital One multiple times asking whether the original or replacement refund checks were actually mailed, whether they had been voided, why my balance went from {$3200.00} to {$0.00} and then to + {$3200.00}, and why no tracking or confirmation was available. I also asked for an alternative refund method such as XXXX, but none was offered. 

On XX/XX/year>, I called again, and Capital One told me they had reissued the refund check and that I would receive a confirmation email within 48 hours. I never received that email, and the replacement check has still not arrived. 

It has been over a month since Capital One said they issued the refund check, and I still have not received it. I also lost interest I would have earned on the {$3200.00}, which I was forced to pay twice due to their errors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
To Whom It May Concern, I am filing a complaint against XXXX XXXX XXXX and Equifax for violating the Fair Credit Reporting Act ( FCRA ) by illegally re-inserting a previously deleted collection account without providing the legally required reinsertion notice or proper verification. 

This XXXX account XXXX Acct ending XXXX XXXX, {$990.00} ) was removed previously under a different collection agency, confirming it could not be verified. Despite this, Equifax and XXXX reinserted the exact same account under a new furnisher ( XXXX XXXX ) without : 1. Providing the mandatory FCRA 611 ( a ) ( 5 ) ( B ) reinsertion notice within 5 business days 2. Providing a valid Method of Verification ( MOV ) 3. Submitting any documentation proving a new investigation 4. Demonstrating permissible purpose for reinsertion 5. Confirming chain of assignment since the debt has changed hands Each time I dispute, XXXX uploads the same XXXX bill, which does not meet FCRA verification standards and does not prove ownership, assignment, or accuracy. A simple billing statement is not verification under the FCRA, as it does not establish : Legal standing Complete account history Assignment documentation Itemization of charges Proof the debt is mine Equifax continues to mark this item as verified while ignoring the reinsertion violation. This is a direct breach of : FCRA 611 ( a ) ( 1 ) Failure to conduct a reasonable investigation FCRA 611 ( a ) ( 5 ) ( B ) Illegal reinsertion without notice FCRA 607 ( b ) Failure to maintain maximum possible accuracy I am requesting CFPB intervention to require : 1. Immediate removal of the account from all bureaus 2. Documentation of how verification was performed 3. Proof that the furnisher has legal standing 4. Confirmation of reinsertion procedures 5. Review for civil liability due to repeated violations This inaccurate and illegally reinserted account is causing ongoing harm. I request full enforcement action.

Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: MD

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

Company 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