vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Foris DAX, Inc.
State: VA

Complaint narrative:
have a Crypto.com account with a balance of {$1.00}. Their platform prevents me from withdrawing it because the amount is below the minimum transfer threshold. 

In XX/XX/year>, I contacted Crypto.com support multiple times to request closure of my account and return of the remaining funds. Instead of addressing this request, support gave me the same repeated answer each time : Any account can be deleted, but the customer needs to withdraw the funds to proceed with data deletion. 

This response is not a solution, because I can not withdraw funds that are below their own minimum limit. I specifically asked for escalation or an alternative way to return my balance, but they only repeated the same line without offering any process or resolution.

CHAT-ID ( ) Crypto.coms platform also includes an option to forfeit small balances in order to close an account. I selected this option, but it had no effect and the account remains open. This indicates the feature is nonfunctional or misleading, which further prevents me from closing my account.

As of now, Crypto.com refuses to : 1. Provide a method to close my account.

2. Return the balance that remains in my account.

This is effectively stonewalling and results in the unlawful withholding of customer funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) against inaccurate and unverifiable information being reported on my consumer credit file. The credit reporting agencies and furnishers are required under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) to ensure maximum accuracy of consumer information, yet multiple addresses and accounts appearing on my report are wrong, outdated, or unlawfully reported. These errors are damaging my creditworthiness, preventing me from accessing fair lending, and causing ongoing harm. I have never lived at the listed wrong addresses and the accounts in question either do not belong to me, are being reported inaccurately, or are in violation of federal law. I am requesting the CFPB to investigate and hold the bureaus and furnishers accountable for violating my consumer rights under FCRA, FDCPA, and related laws. 

ADDRESS XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Law : FCRA 602A, 607 ( b ), and 611 require you to maintain accurate consumer data and delete unverifiable or inaccurate information Issue : This address is not accurate and is not tied to me as my current or valid residence. Including this address in my report is misleading and creates confusion about my identity and credit profile Story : I have never lived at this address and do not have any verifiable connection to it. Leaving this address attached to my file can link me to accounts or activities that are not mine, which can harm my creditworthiness and expose me to fraudulent associations Instruction : Delete this inaccurate address immediately as it can not be verified with any legitimate documents tied to me I am requesting that the CFPB take immediate action to hold the credit bureaus and furnishers accountable. I demand deletion of all inaccurate addresses and removal or correction of the accounts that can not be properly verified according to federal law. The presence of these items is in violation of the FCRA and FDCPA, and they are causing financial harm, emotional distress, and blocking fair access to credit opportunities. I respectfully ask the CFPB to enforce compliance and ensure my consumer rights are fully protected.

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 2025-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: TX

Complaint narrative:
I am writing to report an issue I encountered with an order I placed on XX/XX/year>, on XXXX After checking out, I received an error message, yet {$55.00} was still charged to my account. I reached out to XXXX via email to inform them that I did not receive an order number or a confirmation email, but I received no response. Consequently, I filed a dispute with Cash App, the payment method I used. However, they denied my dispute, stating that I made the transaction. While I did attempt the purchase, the error message indicated that the transaction was not successful. I also expressed my concerns about whether XXXX still retained the funds from my payment. I requested that Cash App reach out to XXXX  on my behalf since they processed the payment, but this request was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: PA

Complaint narrative:
I recently pulled my credit report and noticed multiple fraudulent inquiries that I have no knowledge of. These inquiries need to be removed immediately. This is one of many attempts to remove these unauthorized inquiries. Please help me get these take care of immediately. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2025-08-23 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: PA

Complaint narrative:
I recently pulled my credit report and noticed multiple fraudulent inquiries that I have no knowledge of. These inquiries need to be removed immediately. This is one of many attempts to remove these unauthorized inquiries. Please help me get these take care of immediately. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: MD

Complaint narrative:
On XX/XX/year> and XX/XX/year>, I sent Equifax a formal written request for the Method of Verification ( MOV ) pursuant to the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ) ( B ) ( iii ). These letters were received by Equifax, but instead of providing the legally required method of verification, Equifax sent me another letter stating that the disputed accounts were reinvestigated and verified and issued me a new credit report showing that the reinvestigation results remained unchanged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: NY

Complaint narrative:
Re : Formal Dispute of Inaccurate and Unverifiable Accounts under FCRA 605, 607, 609, 611 To Whom It May Concern, I am writing to exercise my rights under the Fair Credit Reporting Act ( FCRA ) and to dispute the accuracy and completeness of the following accounts currently appearing on my Equifax credit report.

Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to conduct a full reinvestigation of these items. If the furnisher can not provide verifiable documentation such as the original signed contracts, complete payment ledgers, and ownership/chain of custody of the debts, then the items must be deleted immediately. 

Negative Accounts in Dispute XXXX Card Services Status : Charge-Off {$1900.00} Balance DOFD : XX/XX/year> Dispute : Potential re-aging of debt ; lack of verifiable contract ; inconsistent payment history. 

XXXX Status : Closed/Charged Off {$830.00} Balance DOFD : XX/XX/year> Dispute : Unverifiable debt ownership ; inaccurate high balance reporting ; failure to validate original agreement. 

XXXX Status : Closed {$240.00} Balance DOFD : XX/XX/year> Dispute : Inconsistent reporting across bureaus ; lack of documentation proving debt validity ; incomplete records. 

XXXX XXXX Status : Closed {$3000.00} Balance DOFD : XX/XX/year> Dispute : Payment history inaccurate ; possible re-aging of delinquency date ; unverifiable debt chain of assignment. 

XXXX ( XXXX  ) Status : Closed {$1200.00} Balance DOFD : XX/XX/year> Dispute : Reporting errors on balance owed; incomplete records ; failure to provide contract validation.

Legal Grounds for Dispute FCRA 605 ( a ) : Prohibits reporting of outdated/re-aged debts beyond the allowable 7-year period.

FCRA 607 ( b ) : Mandates maximum possible accuracy of all information reported.

FCRA 609 ( a ) ( 1 ) : Grants the right to request disclosure of the original contract and documentation.

FCRA 611 ( a ) ( 1 ) ( A ) : Requires reinvestigation of disputed information within 30 days.

FCRA 616617 : Establishes liability for willful or negligent noncompliance. 

Formal Demand Accordingly, I demand that Equifax : Conduct a complete reinvestigation of all accounts listed above.

Provide written verification of each account, including original signed applications, full payment ledgers, and creditor ownership documentation. 

Permanently delete any account that can not be 100 % verified, is inaccurate, incomplete, or outdated. 

Provide me with an updated copy of my credit report reflecting the results of your reinvestigation within 30 days.

Failure to comply will leave me no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the New York State Attorney Generals Office, and to pursue civil damages as authorized by FCRA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Re : Formal Dispute of Inaccurate and Unverifiable Accounts under FCRA 605, 607, 609, 611 To Whom It May Concern, I am writing to exercise my rights under the Fair Credit Reporting Act ( FCRA ) and to dispute the accuracy and completeness of the following accounts currently appearing on my XXXX  credit report. 

Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to conduct a full reinvestigation of these items. If the furnisher can not provide verifiable documentation such as the original signed contracts, complete payment ledgers, and ownership/chain of custody of the debts, then the items must be deleted immediately. 

Negative Accounts in Dispute JPMCB Card Services Status : Charge-Off {$1900.00} Balance DOFD : XX/XX/year> Dispute : Potential re-aging of debt ; lack of verifiable contract ; inconsistent payment history. 

XXXX Status : Closed/Charged Off {$830.00} Balance DOFD : XX/XX/year> Dispute : Unverifiable debt ownership ; inaccurate high balance reporting ; failure to validate original agreement. 

XXXX Status : Closed {$240.00} Balance DOFD : XX/XX/year> Dispute : Inconsistent reporting across bureaus ; lack of documentation proving debt validity ; incomplete records. 

XXXX XXXX Status : Closed {$3000.00} Balance DOFD : XX/XX/year> Dispute : Payment history inaccurate ; possible re-aging of delinquency date ; unverifiable debt chain of assignment. 

XXXX ( XXXX  ) Status : Closed {$1200.00} Balance DOFD : XX/XX/year> Dispute : Reporting errors on balance owed; incomplete records ; failure to provide contract validation.

Legal Grounds for Dispute FCRA 605 ( a ) : Prohibits reporting of outdated/re-aged debts beyond the allowable 7-year period.

FCRA 607 ( b ) : Mandates maximum possible accuracy of all information reported.

FCRA 609 ( a ) ( 1 ) : Grants the right to request disclosure of the original contract and documentation.

FCRA 611 ( a ) ( 1 ) ( A ) : Requires reinvestigation of disputed information within 30 days.

FCRA 616617 : Establishes liability for willful or negligent noncompliance. 

Formal Demand Accordingly, I demand that XXXX  : Conduct a complete reinvestigation of all accounts listed above. 

Provide written verification of each account, including original signed applications, full payment ledgers, and creditor ownership documentation. 

Permanently delete any account that can not be 100 % verified, is inaccurate, incomplete, or outdated. 

Provide me with an updated copy of my credit report reflecting the results of your reinvestigation within 30 days. 

Failure to comply will leave me no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the New York State Attorney Generals Office, and to pursue civil damages as authorized by FCRA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: PA

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. Please help me get these accounts removed immediately. XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: World Acceptance Corporation
State: CA

Complaint narrative:
Account has been on my credit report over 7 years reporting negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I found several fraudulent inquiries on my credit report : XXXX XXXX XXXX on XX/XX/year> XXXX on XX/XX/year> XXXX XXXX XXXX  on XX/XX/year>

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 2025-08-23 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: FL

Complaint narrative:
Dispute of Inaccurate Credit Reporting Collection Account To Whom It May Concern, I am writing to dispute the accuracy of the collection account listed on my credit report. The account is reported by XXXXXXXX XXXX XXXX XXXX 
This account is inaccurate for the following reasons : I was never notified by my landlord of any balance due after moving out. 
I never received an itemized bill, court notice, or collection notice from the landlord before this account appeared on my credit report. 
The amount reported is incorrect and unverified. 
Under the Fair Credit Reporting Act ( FCRA ), I request that this account be investigated. Please provide verification of the alleged debt, including all supporting documentation. If the account can not be verified, it must be removed from my credit report. 
Please provide documentation that I recieved any signed court order or was notified from the landlord with the description and amount to be able to dispute in any notices. 
Please confirm the results of your investigation in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
My co-borrower and I purchased a home using a VA loan through Mr. Cooper in XXXX. We were XXXX  in XXXX and I was awarded the property, and required to remove my co-borrower by XX/XX/XXXX. In XXXX of XXXX I listed the property for sale and moved out, once I was denied mortgage assistance and in doing so, discovered my co-borrower had already received {$53000.00} in XXXX XXXX  the year prior. In XXXX of XXXX we began negotiations on the property and in XXXX of XXXX I signed a quitclaim deed to my co-borrower in exchange for an equalization payment. I was told that his approval of the assumption of the loan was pending submission of my quitclaim deed. Our court order, filed XX/XX/XXXX states he must immediately remove me from the loan or be in contempt of court. Mr. Cooper has allowed him to enter " XXXX '' into a 6 month repayment plan and he can not apply to assume the loan until the loan is current. This is in direct defiance of our court order and is negatively affecting my credit and ability to buy a home as a XXXX  mother. I did not agree to a repayment plan and had already relinquished my liability to the home. I requested documentation of all agreements my co-borower had entered into since the time that I quitclaimed the home and was only sent a payoff quote addressed to my co-borrower. It is nearly impossible to get a paper copy of anything because they continue to send mail to my co-borrower who now lives out of state. The property, which to my understanding is supposed to be occupied at all times under a VA loan, has sat vacant since XXXX  XXXX. I need this lender to approve my coborrowers modification, or move forward with foreclosure or short sale. I was willing to short sale the home to be off of the loan with my coborrower. I can not get a straight answer from the lender on if they ever approved my coborrower at all or if I was coerced into signing a quitclaim deed on a home that is now in free fall.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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:
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I have the right to accurate and verifiable information on my credit report. I disputed certain accounts with the credit bureaus and requested proof from the original creditor under 1681i ( a ). They have not provided proper verification.

Reporting information without proof violates 1681e ( b ), which requires maximum possible accuracy. I am asking the CFPB to ensure these accounts are either fully verified with original source documentation or permanently deleted if they can not be verified.

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 2025-08-23 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:
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I have the right to accurate and verifiable information on my credit report. I disputed certain accounts with the credit bureaus and requested proof from the original creditor under 1681i ( a ). They have not provided proper verification.

Reporting information without proof violates 1681e ( b ), which requires maximum possible accuracy. I am asking the CFPB to ensure these accounts are either fully verified with original source documentation or permanently deleted if they can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because Equifax is reporting several hard inquiries on my credit report that I do not recognize or authorize. These inquiries are negatively affecting my credit score and overall creditworthiness. Despite following proper dispute procedures and requesting verification of these inquiries, Equifax has failed to remove them or provide sufficient proof that I gave written authorization for these companies to access my credit file. 

The inquiries in question are : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 2 ), a consumer reporting agency is not permitted to release a credit report without the consumers written authorization. These inquiries were not authorized by me, and Equifax has not produced any evidence to show otherwise. Their failure to properly investigate violates FCRA 611 ( a ) ( 1 ) ( A ), which requires the credit bureau to conduct a reasonable investigation of disputed information. 

This inaction is damaging my credit profile, causing unnecessary harm to my ability to obtain credit, employment, and fair lending terms. 

Desired Resolution : I am requesting that Equifax immediately : Remove all the unauthorized hard inquiries listed above. 

Provide written confirmation that these inquiries have been deleted. 

Ensure my credit file is updated and accurate, as required by FCRA 607 ( b ).

Provide documentation, if any, showing that I authorized these inquiries.

Company response to consumer: Closed with non-monetary relief