vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I am filing this complaint as a second dispute regarding a collection account reported by I.C. System, ( XXXX ), added to my credit report in XX/XX/year>2025, which remains unresolved despite my formal dispute to XXXX  and request for validation from the debt collector. 

Background : I filed a dispute with XXXX  requesting an investigation into the collection account from I.C. System that I do not recognize.

I.C. System has not contacted me, nor have they provided any validation or communication regarding the origin or authenticity of this alleged debt.

I made a good-faith effort to resolve this through standard dispute channels, but the item remains on my credit report without proper verification or documentation, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

My Concerns : The debt is unfamiliar and possibly inaccurate.

I.C. System has failed to provide debt validation despite my request.

XXXX  did not provide a sufficient explanation or documentation of the investigation and did not remove the disputed item.

Requested Resolution : Immediate removal of the inaccurate I.C. System account from my credit report.

A full investigation into I.C. Systems failure to comply with FDCPA and FCRA obligations.

Written confirmation that the item has been corrected or removed.

Thank you for your assistance in resolving this issue. 

Sincerely, 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 2025-07-19 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: MD

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectifytheseissues. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: American Financial Network Inc.
State: FL

Complaint narrative:
Follow-up to Complaint ID # XXXX Supplement Description ( for supplement field or narrative ) : This supplement clarifies that although I included XXXX XXXX on a XXXX XXXX for transparency following buyers agent XXXX XXXX statement that the lender would not accept my proposed addendum the initial request for direct communication came from XXXX XXXX, who stated XXXX XXXX XXXX wanted to communicate with me and requested my email address. I allowed XXXX to share it, but only with the explicit boundary that communication be in writing, as required for XXXX accommodation. See supplementary documentation included with this submission. 

Despite this, XXXX XXXX contacted me directly ( Email XXXX included in documents ) and proceeded to issue coercive legal threats, misrepresented contract law, and falsely claimed I could not proceed without a broker release all while knowing I was self-represented. His conduct violated my consent, constituted unauthorized legal practice, and derailed my closing by applying pressure and inserting himself without lawful authority. He did not just communicate once. He communicated various times displaying the same conduct. 

This supplement includes supporting emails and a communication packet demonstrating : How XXXX introduced XXXX XXXX and facilitated the contact My limited, written-only consent Hechts direct contact violating that consent The resulting confusion and interference with the closing process I respectfully request that this updated clarification and attached documentation be added to the record for full consideration in evaluating misconduct and determining appropriate regulatory action.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: IL

Complaint narrative:
For the past XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been inaccurately reporting negative information on my credit reports. Despite the fact that this account was officially closed on XX/XX/scrub>XXXX XXXX XXXX  the company has continued to report it as XXXX days delinquent while adding additional late payments causing my credit to tank. 

I have made multiple attempts to resolve this matter by contacting the credit bureausEquifax, XXXX XXXXnd TransUnionand submitting substantial documentation. However, each bureau has indicated that they are unable to correct the information because XXXX XXXX continues to verify the inaccurate data. 

This is my second time submitting a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), and despite an initial resolution in which Opportunity Financial was instructed to close the account and stop the late reporting, the XXXX late payments were never removed from my credit file. In fact, XXXX XXXX subsequently reopened the account and resumed reporting it as delinquent, further damaging my credit. 

This conduct has significantly harmed my financial well-being. At XXXX point, my credit score dropped by XXXX points due to these erroneous reports. I was unable to obtain unsecured credit cards and, for several years, was effectively prevented from purchasing a home. I was only recently able to qualify for a mortgage because of my status as a XXXX veteran and my clean payment history over the past XXXX to XXXX years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: Opportunity Financial, LLC
State: IL

Complaint narrative:
For the past XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has been inaccurately reporting negative information on my credit reports. Despite the fact that this account was officially closed on XX/XX/year>, the company has continued to report it as 90 days delinquent while adding additional late payments causing my credit to tank. 

I have made multiple attempts to resolve this matter by contacting the credit bureausXXXX XXXX XXXX XXXX submitting substantial documentation. However, each bureau has indicated that they are unable to correct the information because Opportunity Financial continues to verify the inaccurate data. 

This is my second time submitting a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), and despite an initial resolution in which Opportunity Financial was instructed to close the account and stop the late reporting, the XXXX late payments were never removed from my credit file. In fact, Opportunity Financial subsequently reopened the account and resumed reporting it as delinquent, further damaging my credit. 

This conduct has significantly harmed my financial well-being. At XXXX point, my credit score dropped by XXXX points due to these erroneous reports. I was unable to obtain unsecured credit cards and, for several years, was effectively prevented from purchasing a home. I was only recently able to qualify for a mortgage because of my status as a XXXX veteran and my clean payment history over the past XXXX XXXX XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: IL

Complaint narrative:
For the past XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been inaccurately reporting negative information on my credit reports. Despite the fact that this account was officially closed on XX/XX/scrub>XXXX XXXX XXXX  the company has continued to report it as XXXX days delinquent while adding additional late payments causing my credit to tank. 

I have made multiple attempts to resolve this matter by contacting the credit bureausEquifax, XXXX XXXXnd TransUnionand submitting substantial documentation. However, each bureau has indicated that they are unable to correct the information because XXXX XXXX continues to verify the inaccurate data. 

This is my second time submitting a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), and despite an initial resolution in which Opportunity Financial was instructed to close the account and stop the late reporting, the XXXX late payments were never removed from my credit file. In fact, XXXX XXXX subsequently reopened the account and resumed reporting it as delinquent, further damaging my credit. 

This conduct has significantly harmed my financial well-being. At XXXX point, my credit score dropped by XXXX points due to these erroneous reports. I was unable to obtain unsecured credit cards and, for several years, was effectively prevented from purchasing a home. I was only recently able to qualify for a mortgage because of my status as a XXXX veteran and my clean payment history over the past XXXX to XXXX years.

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 2025-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I purchased an item for {$380.00} using PayPal. The item was delivered in late XX/XX/year>2025 ( exact date unknown ), but I filed a dispute on XX/XX/year>2025 just slightly over 30 days after delivery. My claim was denied by PayPal on the basis that I filed the case more than 30 days after delivery, even though PayPals publicly stated Purchase Protection policy allows buyers to file disputes up to 180 days from the date of the transaction. I tried contacting the seller, and also escalated my case through PayPals internal dispute process. I spoke with PayPal customer service, but my case was automatically denied solely due to timing. I also reached out to my bank, but the chargeback was denied. At no point was I told that the 180-day window would be shortened to 30 days.

I believe PayPal failed to honor its published buyer protection terms, which clearly state customers have 180 days to file a dispute. Denying my case due to being just over 30 days post-delivery contradicts their own policy and leaves me with no recourse, despite the significant amount of money involved.

I am requesting that PayPal review this again or issue a refund based on their official buyer protection guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: MI

Complaint narrative:
I am a victim of identity theft. In XX/XX/XXXX, I discovered multiple fraudulent accounts, unauthorized credit inquiries, and incorrect addresses listed on my credit reports with Experian, Equifax, and TransUnion. These negative entries have seriously damaged my credit profile and were created or reported without my knowledge, authorization, or consent. 

I have never lived at the following addresses, yet they appear on my reports : XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I did not authorize or apply for any of the following fraudulent accounts and collections : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ( XXXX accounts ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Collection ) XXXX  ( Collection ) XXXX XXXX  XXXX XXXX XXXX ) I also discovered over XXXX unauthorized hard inquiries in XXXX and XXXX by lenders and auto dealers that I have never contacted or done business with, including XXXX Credit, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX and others. 

I submitted formal dispute letters to the credit bureaus demanding removal of these fraudulent accounts, inquiries, and addresses. I also filed an FTC identity theft affidavit and prepared a police report. 

I am exercising my rights under : 15 U.S.C. 1681 Prohibits the reporting of inaccurate, unverifiable information.

15 U.S.C. 1681c-2 Requires credit bureaus to block identity theft-related information within 4 business days once provided with documentation.

15 U.S.C. 1692g Requires debt collectors to cease collection and verify the debt if disputed.

Despite providing documentation, these items remain unresolved or uninvestigated. I am requesting the CFPBs assistance to compel the involved credit bureaus and data furnishers to comply with federal law and fully remove the identity theft-related information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: NC

Complaint narrative:
On XXXX, XXXX I used my Cash App card to pay for XXXX XXXX I was charged {$5.00} forms XXXXXXXX XXXX for recurring service and within minutes I was charged again from XXXX for XXXX. The {$4.00} needs to be dropped. The merchant did not know why when I called Friday, XXXX XXXX about the {$5.00} charge processed at XXXX and XXXX XXXX XXXX They claim they only received {$5.00} yet both payments were processed XXXX XXXX is stating CashApp has kept the {$4.00} payment. I contacted CashApp and filed a dispute Saturday, XXXX XXXX at XXXX XXXX. I then went to chat with CashApp only to be sent to a rude rep ( advocate ) named XXXX who was confusing. And abusive XXXX XXXX communication was verbally dismissive and confusing. When he said he was closing the case, it wasnt clear whether he meant the chat or the actual dispute. When I asked for clarification, he refused to provide a direct answer and instead responded with, I already answered that question above, so please double-check. His unwillingness to engage constructively created a frustrating experience, and the issue remained unresolved. 
Customer service should be built on patience, clarity, and respect. Most representatives demonstrate thatits part of the job. If XXXX finds these responsibilities burdensome, that should be addressed internally. However, no customer deserves rudeness or mistreatment, especially when our concerns are the reason these roles exist in the first place.

Now I do not have my {$4.00} and Cash App seems fraudulent and sketchy based o
n XXXX. I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
request under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act and 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act for full validation of the alleged debt you claim I owe.

I am conditionally accepting your claim upon proof of claim under UCC 3-501, including but not limited to : A copy of the original contract bearing my wet-ink signature ; A complete chain of assignment and ownership of the alleged debt ; A sworn affidavit under penalty of perjury affirming your legal right to collect this debt. 

Be advised that reporting unverifiable information to any consumer reporting agency is a violation of federal law. Until you comply, you are to cease all collection activity and reporting to credit bureaus. 

Failure to respond within 30 days will result in a formal complaint to the CFPB, FTC, and possible civil action for damages under 15 U.S.C. 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: MI

Complaint narrative:
I am the victim of identity theft. In XX/XX/year>, I discovered that multiple fraudulent accounts, unauthorized inquiries, and false addresses were added to my credit reports without my knowledge or consent. These fraudulent activities negatively impacted my creditworthiness and personal financial reputation. 

Several accounts were opened using my name and Social Security number without authorization, including : XXXX XXXX XXXX  XXXX XXXX : {$470.00} XXXX XXXX XXXX  ( XXXX entries ) balances : {$140.00} and {$160.00} XXXX XXXX balance : {$85.00} XXXX XXXX balance : {$110.00} XXXX XXXX balance : {$160.00} In addition, the following collections appeared that I did not authorize : XXXX collection balance : {$240.00} XXXX XXXX collection balance : {$450.00} XXXX XXXX  XXXX collection balance : {$1100.00} My credit file also shows unauthorized hard inquiries by various lenders, including multiple auto finance companies and credit unions such as XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and many others. These inquiries occurred without my permission and were likely attempts to obtain credit fraudulently. 

Furthermore, the following addresses were added to my credit profile fraudulently, and I have never lived at or used these locations : XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I am asserting my rights under : 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), which requires that any information resulting from identity theft be blocked within 4 business days of notice.

15 U.S.C. 1681s-2 and 1681i, requiring reinvestigation and removal of disputed items.

15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), requiring debt collectors to verify debts and cease collection if disputed as identity theft. 

I have submitted disputes to the credit bureaus ( Experian, Equifax, TransUnion ) and specialty agencies ( XXXX, XXXX XXXX XXXX, XXXX ) with the required FTC Identity Theft Affidavit and a police report. I am requesting that the CFPB compel these agencies and furnishers to permanently remove all fraudulent data and cease further damage to my credit 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 explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: AXOS FINANCIAL, INC.
State: GA

Complaint narrative:
I deposited a {$1000.00} check, which the bank mistakenly processed twice. Then, to correct their error, they withdrew {$1000.00} which would have resolved the duplication. But at the same time, the other bank involved also pulled {$1000.00}, resulting in the same {$1000.00} being withdrawn twice. Now I am left with no money, despite the fact that the original check was valid and I did nothing wrong. 

Details : I contacted the payer, and they confirmed they did not stop payment or cancel the check. It was valid. 
The bank is now telling me to ask the payer to issue a new check even though the problem was completely caused by their error and mismanagement of the correction process. They allowed both their own chargeback and the other banks pullback to go through at the same time effectively penalizing me and removing my funds. 

I am now without the {$1000.00} that I rightfully deposited. This error is 100 % on the banks side, and theyve taken no corrective action to make me whole. 

What I Want : I am requesting that the bank immediately restore my original {$1000.00}. I also want them to provide a formal written explanation and ensure this will not impact my account or reporting. I should not be forced to chase the payer for a replacement when the check was valid and this was an internal banking error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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 have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief