vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 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: TN

Complaint narrative:
I reviewed my credit report in XX/XX/XXXX and identified the following accounts as fraudulent, inaccurate, or unverifiable, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Accounts to be deleted : 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX  Under 15 U.S.C. 1681e ( b ), you are required to ensure maximum possible accuracy of the information you report.

Under 15 U.S.C. 1681i ( a ) ( 5 ), any item found to be inaccurate, incomplete, or univariable must be deleted or corrected immediately.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers may not report data they know or have reason to believe is inaccurate I have submitted : My government-issued ID. 
SSN Card FTC Report INTERNET Bill

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: TN

Complaint narrative:
I reviewed my credit report in XX/XX/XXXX and identified the following accounts as fraudulent, inaccurate, or unverifiable, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Accounts to be deleted : 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX  Under 15 U.S.C. 1681e ( b ), you are required to ensure maximum possible accuracy of the information you report.

Under 15 U.S.C. 1681i ( a ) ( 5 ), any item found to be inaccurate, incomplete, or univariable must be deleted or corrected immediately.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers may not report data they know or have reason to believe is inaccurate I have submitted : My government-issued ID. 
SSN Card FTC Report INTERNET Bill

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 2025-09-13 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: PA

Complaint narrative:
my Cash App account was closed sometime in XXXX when I tried to appeal it they said my account was closed for violating terms of service. They would not tell me what terms are violated. On XX/XX/XXXX, I got an unauthorized dispute totaling {$100.00}, when I called to dispute the charge, they gave me a case number and told me they would investigate the following issue 10 days pass. There is no update when I would ask them how the case was going they wouldn't even tell me if it was a real case. My point is there is no organization nothing being resolved and I still had that XXXX dollar dispute. Going back to my closed cash app account as of right now there is {$290.00} in there. I'm not able to withdraw the money because my account is closed, i can not continue. When I called to ask them, they said it's because it's too many cards and I have to use an already linked card. None of them are mine, not even the bank number that withdrew the XXXX dollars. right so, there is no way for me to withdraw the money I have called on numerous occasions there is nothing they can do for me. They just tell me a manager is gon na email me within 10 days. First time I called They never reached out second time I called when I got the email they never resolved. They just sent me different representatives and eventually close my account so which I called the third time still did not get nothing resolved and they're not able to provide me with a manager 's number or someone I can contact they told me that they have all the information and they're gon na reach me at their best time. Which seems like never because I never get an email/phone call. Now this is {$390.00} unaccounted for and it's been well over a year. I want my money. I am a young adult and I probably could've died without this money so I need this to get settled ASAP. I have screenshots and dates from emails and phone calls, the XXXX dollar withdrawal. I also have my " case number ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is XXXX, filed on XX/XX/scrub> 2025. 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : Click or tap here to enter text. 
- XXXX XXXX XXXX - XX/XX/scrub>/2025 - XXXX  XXXX - XX/XX/scrub>/2025 - XXXX XXXX  - XX/XX/scrub>/2025 - XXXX XXXX  - XX/XX/year>2025 - XXXX - XX/XX/scrub>/2025 - XXXX XXXX  - XX/XX/scrub>/2025 XXXX XXXX XXXX XXXX XX/XX/year>2025 - XXXXXXXX XXXX XXXXXXXX - XX/XX/scrub>/2025 Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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 2025-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: LA

Complaint narrative:
Follow-Up New Evidence On XX/XX/XXXX, I submitted a complete FCRA 605B identity theft block package to the credit reporting agencies. That package included FTC Identity Theft Report # XXXX, proof of identity, proof of address, and a signed affidavit of non-ownership. Under 605B, all fraudulent accounts including the tradeline furnished by Credit Corp Solutions ( orig. creditor XXXX XXXX XXXX  XXXX were required to be blocked within XXXX business days. The statutory deadline ( XX/XX/XXXX ) has expired, yet this account remains on my file.

Credit Corp Solutions has also failed to comply with the FDCPA and FCRA : No validation or reinvestigation has been performed within the past 12 months, despite multiple disputes. 

Independent audit evidence confirms no verification requests were ever transmitted to the CRAs. 

The debt is time-barred under XXXX  XXXX XXXX XXXX XXXXXXXX ( XXXX prescription on open accounts ) last activity was in XXXX, yet it is still being reported with a purge date of XX/XX/XXXX. 

Continued furnishing after a 605B fraud report and beyond XXXX statutory limit is unlawful and materially misleading. 

Because of these violations, my credit score remains artificially suppressed, I continue to face denials of credit and housing, and the furnishers actions contribute directly to ongoing financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Applied Data Finance, LLC
State: AZ

Complaint narrative:
Already filed one complaint against them with the cpfb which was closed. I have tried emailing them multiple times to make arrangements but the refuse. Their claim was they keep calling, and I can not take calls due to a XXXX at this time. So they are violating my rights by not working with me via email to resolve this debt. Their representative lied to me via phone last time saying that paying on the XXXX of XXXX would be no problem and the reduction program would be ok, which according to how they replied to my previous complaint was a lie. I would like them to produce their records of this call, since they say they do record so it can be verified that their representatiave did say it would be ok for the reduction program. I clearly asked in the call and now they are saying that the payment reduction was discontinued because it was paid on the XXXX after the representative said it would be no issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/XXXX - XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Chase Bank Branch- XXXX. I had traveled abroad to XXXX XXXX within the United States, and faced discrimination, harassment, vandalism, and assault. In XXXX, my property was vandalized and I was harassed based on my race and religion. In XXXX XXXX, I was physically assaulted and battered, causing damage that requires rehabilitation and physical therapy. I am a Chase Private Client Member through my family, and a Chase Sapphire Reserve Member. Through this cards, I have travel protection, fraud protection, the ability to make disputes, have medical and emergency protections and benefits. I have a whole host of benefits. I tried to access these benefits, make claims, and create disputes. For one dispute claim, I was given temporary credit, then that temporary credit was taken back within a matter of week. It caused a sudden negative amount in my account. I went to the local branch on two occasions, the first occasion the chase private client banker claimed that I wanted to downgrade my account, and downgraded my account against my will, claiming that I didn't have the funds for the account. It is a joint account. I tried to fix it on XX/XX/XXXX. The staff began harassing me, misleading me, yelling at me, threatening me with violence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
b'On XXXX XXXX XXXX, I deposited a $XXXX check into my Citibank checking account. The next day XXXX XXXX XXXX Citibank closed my account, citing fraud.\n\nDespite repeated inquiries, Citibank has refused to return my $XXXX. Both my account history and the check issuer confirm that Citibank processed and cashed the check. Because the check was deposited and cleared by Citibank, the original issuer cannot issue me a replacement.\n\nI have been left without my $XXXX, and Citibank has not provided a clear explanation or timeline for returning my funds. I am requesting that Citibank immediately release my money or provide a written explanation of why the funds are being withheld\n\nOn XXXX XXXX I also provided the senders contact information to Citibank (international number: XXXX XXXX XXXX), but they refused to accept it. I remain in direct contact with the sender, yet Citibank would not provide any way for the sender to speak with them or verify the transaction.\n\nCitibank has not complied with its obligation to return funds from a closed account or provide a valid written explanation, leaving me without access to my own money.'

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 2025-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
My loan servicer is MOHELA and I have been in repayment since XX/XX/year> of my {$7000.00} school loan. Every payment is reversed back into my bank account and my credit goes down. Ive called multiple times to hear why my payments are not being received. The only thing Ive been told was you may be putting wrong card information and Ive put my information in more than 10 times just for it to be reversed over and over. I just got off the phone with MOHELA for the 3rd or 4th time to let them know it isnt my card Ive called my bank and it results to MOHELA servicer not doing their job right. The worker who picked up the phone had me on hold more than 5 times just to send me to supervisor and the supervisor only returns calls back which I think is very irresponsible. I have been going through multiple post on every social media platform just to see others are facing what I am facing.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I received an offer in the mail and by email for the Capital One ( XXXX ) Savor Credit Card. I have been a customer with Capital One for over a decade. The bonus offer explained that I would be eligible for either 0 % APR or a {$200.00} bonus ( I preferred the {$200.00} bonus ). 

I applied for the card, following the instructions on the offer that they sent to me. 

As it turns out, XXXX determined that I was not eligible for the offer, but I missed that statement in the approval process. I accepted the card believing I would be receiving the offer, but I did not. 

I feel like XXXX ran a bait and switch on me. They had my data from a decade of banking with them, and knew my credit score ( they report it to me regularly ). And they repeatedly sent me an offer for which THEY then determined I was ineligible. I do not think that what they did was illegal, but it was deceptive. 

When I spoke with them to complain, they effectively said that this practice is common in the credit card world. Perhaps that is so, but that does not change the fact that it is deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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:
Creditor/Company Information : XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Phone : ( XXXX ) XXXX Complaint Summary I am filing a complaint regarding inaccurate and unfair credit reporting by XXXX XXXX ( XXXX ) to the credit bureau XXXX  XXXX  and Experian,. The account is reported as a derogatory, charged-off automobile loan, which is factually inaccurate and damaging to my credit profile. 

Reported Details ( per XXXX  ) : Balance : {$6300.00} Highest Balance : {$38000.00} Opened : XX/XX/XXXX ( 76-month term ) Last Payment : XX/XX/XXXX Current Payment Status : Charge-off / Profit & Loss Write-Off Worst Status : 90119 Days Late Account Remarks : Profit and loss write-off Issues with the Reporting 1. Account Status Inaccuracy The account is reported as a current charge-off, despite the fact that the last payment occurred over four years ago ( XX/XX/XXXX ). 
Under the Fair Credit Reporting Act ( FCRA ), outdated or misleading information may not be reported if it does not accurately reflect the accounts status.

2. Payment History Errors XXXX  shows only 1 % of payments made on time, which is mathematically inconsistent with the loans 76-month term and my payment history.

This appears to be false or incomplete reporting.

3. Balance Misrepresentation The balance of {$6300.00} is inconsistent with the accounts reported profit & loss write-off status. If the account was charged-off and sold, no balance should remain with XXXX. 
4. Duplicate & Contradictory Remarks The account lists Profit and loss write-off twice, but also shows a remaining balance due, creating contradictory reporting.

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 2025-09-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC

Complaint narrative:
In XX/XX/XXXX, I signed a lease with XXXX XXXX XXXX  ( XXXX XXXX XXXX ) for XXXX  XXXX. At the time, the landlord did not have a valid Certificate of Occupancy ( only a conditional COO ) or a Basic Business License, which was not issued until XX/XX/XXXX. Under XXXX law, a landlord can not lease or collect rent without these. 
In XX/XX/XXXX, the XXXX Department of Buildings issued Notice of Infraction # XXXX citing unsafe and unsanitary conditions. Due to these violations, I lawfully withheld rent and vacated the unit. Despite this, the landlord and their collector, FCO, have attempted to collect {$20000.00}, including charges for rent after I vacated, insufficient notice fees, and concession clawbacks.

I disputed the debt with FCO and all three credit bureaus. However, they marked the debt as verified without providing full validation. The documentation provided was incomplete and did not include an itemized accounting or legal basis for the charges. This alleged debt is invalid, unvalidated, and being wrongfully reported to my credit.

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 2025-09-13 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My rights were violated as a consumer under 15USC1681B and I need them blocked and deleted from my report ASAP

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 2025-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bounce AI, Inc.
State: GA

Complaint narrative:
Did not present the vaildity or ownership of debt.

Company response to consumer: Closed with explanation