vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I am filing this follow-up complaint regarding inaccurate and potentially unverifiable late payment notations currently listed on my 3 credit bureaus will credit report. Despite my prior dispute, the following accounts continue to reflect derogatory payment histories that I believe are either incorrectly reported, improperly verified, or lack sufficient documentation to justify their continued presence on my report. These late payment entries are having a materially negative impact on my creditworthiness and may constitute violations of both the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). 
The accounts in question are all reported under XXXX, with account numbers ending in the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} Additionally, a separate account is listed under XXXX XXXX, account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a reported balance of {$37000.00}. 
I have not received any adequate verification or documentation proving the accuracy or timeliness of the reported late payments on these accounts. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting data that they know or have reasonable cause to believe is inaccurate. Furthermore, the credit bureau has an obligation under FCRA 1681e ( b ) to maintain the maximum possible accuracy in reporting. If these late payment entries can not be substantiated with accurate, complete, and timely records including payment history and original creditor documentation they must be corrected from my credit report in accordance with FCRA 611 ( a ) ( 5 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am once again submitting a formal dispute regarding the continued presence of inaccurate billing information on my credit report. Despite my prior requests, I have identified accounts that are still reporting details that do not properly reflect my true payment history. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1666, which provides me the right to dispute billing inaccuracies and requires a thorough reinvestigation by the reporting furnisher. Please reinvestigate the following accounts : DEPT OF ED/XXXX  XXXX Balance {$3900.00} DEPT OF ED/XXXX  XXXX Balance {$4300.00} DEPT OF ED/XXXX  XXXX Balance {$1200.00} DEPT OF ED/XXXX  XXXX Balance {$10000.00} DEPT OF ED/XXXX  XXXX Balance {$300.00} DEPT OF EDXXXX XXXX Balance {$2000.00} DEPT OF ED/XXXX  XXXX Balance {$4600.00} DEPT OF ED/XXXX  XXXX Balance {$4900.00}

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 2025-09-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am once again submitting a formal dispute regarding the continued presence of inaccurate billing information on my credit report. Despite my prior requests, I have identified accounts that are still reporting details that do not properly reflect my true payment history. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1666, which provides me the right to dispute billing inaccuracies and requires a thorough reinvestigation by the reporting furnisher. Please reinvestigate the following accounts : DEPT OF ED/XXXX  XXXX Balance {$3900.00} DEPT OF ED/XXXX  XXXX Balance {$4300.00} DEPT OF ED/XXXX  XXXX Balance {$1200.00} DEPT OF ED/XXXX  XXXX Balance {$10000.00} DEPT OF ED/XXXX  XXXX Balance {$300.00} DEPT OF EDXXXX XXXX Balance {$2000.00} DEPT OF ED/XXXX  XXXX Balance {$4600.00} DEPT OF ED/XXXX  XXXX Balance {$4900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable.

These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this third-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 
XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report includes collection accounts that I believe contain inaccurate information. Under 15 U.S. Code 1681e ( b ) and 1681i, I have the right to a credit report that is fully accurate. I am requesting an investigation into these accounts, and if they can not be properly verified, they must be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax has blocked my ability to submit evidence, falsely flagged my dispute as already submitted, and my score dropped after I challenged them. This is unfair dispute handling and a violation of FCRA 611. 
I, XXXX XXXX XXXX, dispute the inaccurate reporting of my XXXX XXXX XXXX XXXX XXXX account. My attempts to provide evidence through XXXX system have been blocked by error codes and false already submitted messages, preventing me from exercising my rights under the Fair Credit Reporting Act. Despite making timely payments, XXXX assessed unauthorized charges and late fees, which Experian has already corrected by closing the account as Paid. Since raising these issues with Equifax, my credit score has dropped without explanation. I demand a full and fair investigation, correction of my file, and removal of all negative reporting caused by errors outside my control.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: CA

Complaint narrative:
My loan was originally with XXXX, and they got in financial trouble for misleading their borrowers and most if not, all loan were supposed to be forgiven. I have not heard from XXXX in over a year and then last year Mohela started sending me collection papers. They never introduce themselves to tell me who they are and what they wanted from me. I thought my loan was forgiven, due to the fraud of XXXX. I sent Mohela and letter request a copy of my contract, and ask them again who they were, and how they were able to get my information. But to this day no response I have asked them for a copy of my contract, and they have just ignored me. Are they working as a collection agency?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am officially disputing this inaccurate account and requesting its removal from my credit report, as I did not authorize its creation or use. Supporting documents are enclosed to validate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-09-22 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-22 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: NJ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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 FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-09-22 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report includes collection accounts that I believe contain inaccurate information. Under 15 U.S. Code 1681e ( b ) and 1681i, I have the right to a credit report that is fully accurate. I am requesting an investigation into these accounts, and if they can not be properly verified, they must be deleted from my report.

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 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
COMENITY BANK XXXX debt buyer collection account XXXX past due as of XX/XX/XXXX status update XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: MD

Complaint narrative:
I am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: CA

Complaint narrative:
Issue Related to Complaint ID : XXXX XXXX - System reads as XXXX In the middle of a loan modification, I refused to make payments as this is my legal right during loan mod process. Bank tried multiple harassment/ bullying tactics to make my pay during this period despite the reason I was applying for a loan modification. 
- Car had been totaled, I was left without transportation, needed to modify my loan to suit my current financial need. I have been needing to spend funds on transportation : XXXX, XXXX, XXXX, XXXX XXXX etc. 

After explaining my reasoning for not complying, bank rep immediately reported negative remarks to my credit bureaus despite multiple attempts to seek hardship options in XX/XX/year>. This negative report was made after submitting a Loan Modification Application and while it was pending decision. I have been actively communicating with my bank via phone and email to avoid default on the original car loan. 

I did attempt to formally dispute the negative report with the bank, shortly thereafter the same bank rep informed me that the dispute was denied XX/XX/year>. Bank also failed to provide policies that specifically refer to cases relating to payments required during the process of a Loan Modification process. The company provided redacted policies and original loan terms that were not clear and could fall under deceptive business practices. 

Bank has since removed the emails in the screenshots so I do not have access to them to download 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 2025-09-22 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: MD

Complaint narrative:
I am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your reference.

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 2025-09-22 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: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I submitted identity verification documents as requested by Cash App. Although I was told it would be resolved within XXXX hours, my account remained restricted for over a week. I followed all instructions, yet received no legitimate explanationonly repeated, robotic replies from what was clearly an automated support system. 

I attempted to escalate the matter, asking for human review or direct clarification multiple times, but I was continually met with generic excuses. The support messages were not only impersonalthey were evasive, contradictory, and ultimately dismissive. 

When I pursued accountability by submitting a complaint ( CFPB ID : XXXX ) and reaching out to other oversight bodies, Cash App retaliated. Instead of addressing the root issue, they abruptly permanently closed my accounteffectively punishing me for filing a complaint. This was not a resolution. It was silencing through automation and retaliation. 

After weeks of waiting, I received a canned final response on XX/XX/year>, vaguely citing a violation of the Terms of Serviceyet never providing specific facts, timestamps, policy citations, or any real proof to support the claim. No explanation. No opportunity to resolve. Just a vague excuse wrapped in legalese. 

To add insult to injury, Cash App attempted to XXXX law enforcement in their final replystating that only law enforcement may contact them for further review. This is a modern-day scare tactic, historically used to XXXX the voices of XXXX individuals who speak out. I did nothing illegal. I broke no terms. Yet they imply that to even dispute their decision, I must involve police? Thats unacceptable. And dangerous. 

This isnt just about a mobile wallet. Its about a company that : Deactivates accounts with no due process Sends evasive auto-generated replies instead of human support Punishes customers for escalating concerns to government regulators Leverages law enforcement language as intimidation Refuses to address the emotional and financial harm caused I have been denied transparency, dignity, and fair treatment. And I now demand this pattern of abuse be reviewednot just for my case, but for what it reveals about how Cash App handles complaints from XXXX consumers who dare to advocate for themselves. 

Im asking for the CFPB to : Hold Cash App accountable for retaliatory account closure Investigate their misuse of automated systems in place of real support Demand proof of the alleged violation used to justify closure Require that Cash App provide human-led resolution, not robotic silence Im also requesting that this statement be published on XXXX so others can see how speaking up leads to being shut downand so they know theyre not alone.

Company response to consumer: Closed with explanation