vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: CA

Complaint narrative:
I can't access a old account have called several times and have chatted to support online and they all say same thing they can help if I call in and when I do and I have several times they say it's a security issue and can't help me yet I've read through their policy and spoke to online support and they have said if I call they can help. Nothing has been resolved and I've also showed them that my account says does not exist or cant access and they still say nothing they can do. What is going to happen with that money. That money being to me or the person that sent it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: PatientFi, Inc.
State: TX

Complaint narrative:
The following dispute sent to XX/XX/XXXX which I think is a collection was ignored : I did not make payments to PatientFI for XXXX treatment at XXXX XXXX because I know I was scammed. I went to yourXX/XX/XXXXXXXX location at XXXXXX/XX/XXXX XXXX, XXXX XXXXXX/XX/XXXX TX XXXX on XX/XX/scrub> 2025. I asked for consultation regarding XXXX pain and to learn about their nonsurgical plasma therapies. I was seeking relief from debilitating pain. 

My experience there took place in approximately XXXX XX/XX/XXXX where I was coerced by a very aggressive employee into signing something I did not understand. I received a very painful injection in my left hip before I left the office. They said I would see immediate improvement which was a lie. I discovered that they are frauds before I left their office on XX/XX/XXXX. Because I discovered the scam, I tried to cancel future treatments early on the next day, XX/XX/XXXX. I would have negotiated for XXXX treatment to be rid of these frauds. However, they are greedy, {$3200.00} for XXXX treatment that they know is not medically sound is unacceptable since XXXX treatments cost XXXX. They should be held accountable for taking advantage of and scamming a helpless XXXX. 

I received the appropriate medical care for my condition in XX/XX/year>2025 where I had XXXX XXXX XXXX done by a reputable doctor. 

Ive filed disputes regarding this incident with PatientFI, the Attorney Generals Office, and the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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:
Failure to XXXX Reasonable Investigation. Inaccurate and Unverifiable XXXX Account XXXX. 

Credit Bureaus Involved : Experian, Equifax, TransUnion Account Name : XXXX  XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$15000.00} I am filing this complaint because Experian, Equifax, and TransUnion are reporting a derogatory collection account from " UPSTART NETW '' that is inaccurate, unverifiable, and damaging my credit. 

I have submitted written disputes to all three agencies and requested deletion of this account on the basis that it was not properly validated. The credit bureaus failed to conduct a reasonable investigation, as required by the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ). 

They continued to report the collection without : Providing me with any documentation to support the accuracy or ownership of the account Verifying the chain of custody or proof from the original creditor Validating that the reporting collection company even has legal authority to collect The original creditor charged off this account in XXXX  and made no effort to establish a payment plan, even during a time when I was suffering from : Unemployment due to the XXXX aftermath Divorce proceedings that impacted my financial status The devastating impact of XXXX XXXX in XXXX, which made it impossible to work Given the absence of documentation, and the credit bureaus failure to verify the legitimacy of this account, this item must be removed from my credit report. Continuing to report it without evidence violates FCRA obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: FL

Complaint narrative:
Failure to XXXX Reasonable Investigation. Inaccurate and Unverifiable XXXX Account XXXX. 

Credit Bureaus Involved : Experian, Equifax, TransUnion Account Name : XXXX  XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$15000.00} I am filing this complaint because Experian, Equifax, and TransUnion are reporting a derogatory collection account from " UPSTART NETW '' that is inaccurate, unverifiable, and damaging my credit. 

I have submitted written disputes to all three agencies and requested deletion of this account on the basis that it was not properly validated. The credit bureaus failed to conduct a reasonable investigation, as required by the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ). 

They continued to report the collection without : Providing me with any documentation to support the accuracy or ownership of the account Verifying the chain of custody or proof from the original creditor Validating that the reporting collection company even has legal authority to collect The original creditor charged off this account in XXXX  and made no effort to establish a payment plan, even during a time when I was suffering from : Unemployment due to the XXXX aftermath Divorce proceedings that impacted my financial status The devastating impact of XXXX XXXX in XXXX, which made it impossible to work Given the absence of documentation, and the credit bureaus failure to verify the legitimacy of this account, this item must be removed from my credit report. Continuing to report it without evidence violates FCRA obligations.

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 2025-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Subject : Dispute of Erroneous and Unverified Information FCRA & Data Breach Dear TransUnion Dispute Department, Pursuant to FCRA 602 ( a ), 607 ( b ), 611 ( a ), and 623 ( a ), I am disputing the following accounts for inaccuracy, incompleteness, and unverifiability. These tradelines fail to meet Metro-2 reporting standards and must be corrected or removed.

Disputed Accounts : XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX  XXXX (XX/XX/XXXXXXXX XXXX XXXXXXXX ) ; XXXX XXXX XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXXXX/XX/XXXX ) ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX / XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX. 
The listed items show contradictory balances, duplicate entries, outdated data, and unverifiable payment histories. This misrepresentation violates FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ).

In addition, due to the TransUnion Data Breach, I demand verification that my personal data remains secure and unaltered, as required under FCRA 605A and the Gramm-Leach-Bliley Act.

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 2025-10-23 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:
I am writing to express my ongoing concern regarding the unresolved disputed accounts appearing on my credit report. Despite submitting multiple requests and highlighting the inaccuracies in these accounts, no resolution or corrective action has been taken to date. These inaccurate entries are severely impacting my credit standing and creating significant challenges in my daily life. The continued presence of these errors has caused undue hardship, and I am now urging your immediate assistance in resolving this matter. I respectfully request a full and thorough investigation into each disputed account, and that appropriate steps be taken to correct and update my credit report without further delay. 
Accurate reporting is essential to restoring my financial stability, and I sincerely hope you will treat this issue as a priority. Your prompt attention and cooperation in resolving these discrepancies would be greatly appreciated. Thank you for your time and support.

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 2025-10-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Collection agency : COLUMBIA DEBT RCVY LLC DBA GENESIS Original creditor name : XXXX XXXX XXXX XXXX response * Creditor did not report any outstanding balance based on XXXX XXXX * Dispute of charges : Filed with XXXX XXXX XXXX XXXX response XXXX XXXX account information was never filed or contracted to collection agency by XXXX XXXX XXXX to XXXX. They were never hired by XXXX. 
Verification : Per XXXX (XX/XX/XXXXXXXX at XXXX ) verified that corporate does not hire XX/XX/XXXX parties. 

Forms complaint : I started being contact by XXXX in XXXX of XX/XX/XXXX. When I requested them to validate the debt, send copies of their licenses, and to verify their contract between them and XXXX, they refused to provide any of the following. I requested a copy of the original copy of the lease with signatures and they did not provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XX/XX/XXXX] Account Number : [ 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 2025-10-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
They didnt have the proper selection for me to choose under what happened so I picked the closest XXXX but this company Goodleap has put a lien on my house for over XX/XX/XXXXyears now and they have already reported it as a charge off on my credit report which means they have no legal right to have a lien on my house this company has been fraudulent since the beginning and they just wont stop Im a XX/XX/XXXX with XXXX kids struggling to survive and its companies like this that make America look bad smh Ive attached the letter Im about to mail out again and also my credit report where it shows charged off as well and they recently renewed there lien because it should of expired in XXXX Ive already filed a XX/XX/XXXX in the court house and they harass me non stop

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: M&T BANK CORPORATION
State: HI

Complaint narrative:
I went into contract for the sale of my property on XX/XX/year> with the intent for the buyer to assume my VA loan through M & T Bank. M & T was immediately made aware of my intention to sell through the assumable loan. Initially, M & T gave us an estimated processing time of XXXX days, but stated they might need an additional XXXX days, bringing the total to XXXX days. This estimate was already in violation of VA Circular XXXX, which states that loan holders, or their authorized servicing agents, with automatic authority shall process and decide assumption applications for loans they hold or service within XXXX calendar days of receipt of a complete application. Nevertheless, we gave them the benefit of the doubt and decided to wait for their given timeline. Neither the buyer or the seller we were provided with a list of conditions to clear until around day XXXX. At around the XXXX  day mark, we were made aware that M & T will need the full XXXX days for closing. However, we are currently on day XXXX and have not yet received a final loan approval and looks like the XXXX day timeline will not be met. Since the file was fowarded to the processor, the communication has been extremely poor and frustrating. The processor is difficult to get ahold of, and when she does reply to emails, she rarely addresses any questions. We have been asked to resend files multiple times, sometimes for files that were sent weeks before. There is no clear instructions on how to file, no receipt confirmation, and no review for accuracy. Both the buyer, seller and their respective agents have had to follow up multiple times a day to get any updates, causing stress and uncertainty. Also, a further extended deadline will cause serious financial losses for both the buyer and the seller.

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 2025-10-23 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: TX

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES 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 explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: MN

Complaint narrative:
I am submitting this complaint regarding a high-cost loan I received from Blue Mountain Loan, also know as Loan Spot Dba Blue Mountain Loan . 


On or about XXXX XXXX I was approved for a {$600.00} loan. The loan disclosure shows an APR of 464.81 % a finance charge of XXXX and a total repayment amount of XXXX. The company claims to operate under tribal law though Kashia Services, a federal recognized tribe, and therefore say it is exempt from state lending laws. 
I live in Minnesota, Where consumer-loan interest rates are capped and lenders must be licensed.I believe this loan is predatory and may violate Minnesota and federal consumer protection laws. The extreme interest rates and fees were not clearly explained, and I was not informed that state protections would not apply. 

I request that the CFPB investigate whether Blue Mountain Loan is legally permitted to lend to Minnesota residents and whether its practices comply with federal consumer financial laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: WI

Complaint narrative:
Hello chime have been steeling my XXXX money years take money out my account spend things shouldn't be spending take money so wrongful do and full everything money back stolen or sue them. Chime worst XXXX XXXXXXXX shouldnt be even bank XXXX steeling people XXXX money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: NC

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
The company that I am having issues with united wholesale mortgage. This a VA building loan. I have been make payments and they have been putting it in a reserve balance fund ( escrow ) Building g loans do not have escrow. I have made payment on XX/XX/year> of {$500.00}, XX/XX/year> of {$750.00}. XXXX XXXX and XXXX a payment each day of {$750.00} XX/XX/year> of {$750.00} and XX/XX/year> of {$3500.00}. Thay show the payments but are not applieing to the loan. As of toady I have called 14 time. Iam getting letters saying I am not in compliance and my loan has been turned off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: IA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: NC

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 explanation