vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
Hi Im reaching out to receive assistance in removing the blocks from my cashapp and my XXXX accounts. My cashapp is XXXX XXXXXXXX Im allowed to have an account but I cant recieve a card for the account and my XXXX  account was closed due to suspicious activity, but nothing suspicious has happened on that account and Im looking to regain access to make another XXXX account.My accounts have been closed for almost XXXX years and they wont send me an reports stating the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a home improvement loan with this bank. It is a loan with fixed monthly repayments- however it is being reported as a line of credit to the credit bureaus. This is impacting my credit score as it impact the % of credit being utilized.

I have contacted them twice to resolve. After 4 months It has not been rectified.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is a follow-up complaint regarding Experian 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Experian has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Experian to potential regulatory and civil liability.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
THIS IS INACCURATE ACCOUNTS. IT DOES NOT BELONGS TO ME.

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 2025-11-07 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: AL

Complaint narrative:
I am disputing the following items on my Equifax credit report that I believe are inaccurate or incomplete. Please investigate these items and ensure they are reported correctly. 

XXXX CHARGED OFF XXXX XXXX XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$2200.00} XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} Bankruptcy, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$2600.00} INQUIRIES XXXX XXXX XXXX  LATE PAYMENT XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this dispute as a consumer who is actively working on resolving issues with my credit. The accounts listed below have discrepancies or inaccuracies, and I am requesting the Bureau to investigate and resolve these issues according to the Fair Credit Reporting Act ( FCRA ).

INQUIRIES XXXX XXXX : Account opened XX/XX/year> I dispute this inquiry as it does not appear to be authorized or relevant to my credit file. Please investigate the legitimacy of this inquiry and remove it if it is inaccurate or unverified. 

LATE PAYMENT XXXX XXXX XXXX : Account number XXXX I am disputing the reported late payment as this does not accurately reflect my payment history. I request verification of the payment history and removal of any inaccurate late payment entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is a follow-up complaint regarding Experian continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Experian has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Experian to potential regulatory and civil liability.

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 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: TX

Complaint narrative:
I am formally disputing the Discover card account listed on my credit file. I have ' no knowledge ' of this account and did not authorize its opening. I have never had any credit relationship with Discover Bank under this account number. Under the Fair Credit Reporting Act ( 15 U.S.C. S1681 ( i ) and 609 ( e ), I request that you conduct an immediate investigation and provide documentation that verifies my responsibility for this account. If Discover Bank can not produce signed documentation confirming I opened or authorized this account, it must be removed/deleted from all credit reporting agencies and files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: GA

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> Re : Dispute of Billing Error Unauthorized Charges Totaling {$3100.00} XXXX XXXX XXXX  Account Ending in XXXX Dear Sir or Madam : I am writing to formally dispute the following charges on my account ending in XXXX as billing errors under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and/or the Electronic Fund Transfer Act ( 15 U.S.C. 1693f ). These charges were for services that were paid for but never delivered by the merchant , XXXX XXXX ( XXXX ). 
I request that you immediately investigate, remove the charges, and issue a provisional credit for the full {$3100.00} within two billing cycles.

Disputed Charges ( Total : {$3100.00} ) : XXXX XXXX : {$490.00} XXXX XXXX : {$250.00} XXXX XXXX : {$160.00} XXXX XXXX : {$1300.00} XXXX XXXX : {$450.00} XXXX XXXX : {$490.00} XXXX XXXX : {$400.00} XXXX XXXX : {$95.00} These payments were for a rideshare vehicle rental from XXXX XXXX, XXXX, MD. I paid in full as required, but no vehicle was ever provided, and my account was never activated despite completing all onboarding steps ( background check, docs, etc. ). 
On XX/XX/year> XXXX XXXX XXXX emailed me ( attached ) claiming XXXX funds have been reconciled and that vehicle reactivation is impossible until payment receipt is verified. This is falseI paid every amount listed, yet received XXXX service. 
I have attempted resolution directly with XXXX XXXX via email and phone with no refund or vehicle access. This is a clear failure to deliver services, making these charges unauthorized. 
Enclosed : XXXX XXXX  email dated XX/XX/year> Bank/credit card statements showing the 8 charges [ Add any screenshots, support tickets, or app errors showing failed activation ] Under federal law, I am entitled to : Written acknowledgment within 30 days Full resolution ( including provisional credit ) within two billing cycles ( max 90 days ) No collection or credit reporting on these charges during investigation If unresolved, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) at consumerfinance.gov/complaint.

Please contact me at the number or email above with any questions. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: NJ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX XXXX & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
I sent money to my father using Western Union via a bank transfer. My fathers bank rejected the transfer, so the funds were returned to Western Union. However, Western Union has not refunded me. I paid for a service that was never completed, and now Western Union is keeping the money.

When I contacted their customer service, I was told that the funds now belong to Western Union and that I would not receive a refund. This seems unfair and possibly fraudulent, as they did not deliver the transfer service I paid for.

I am requesting that Western Union return the full amount of my transfer and explain why the refund has been denied despite the transaction not being completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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 have no link to these accounts ; please remove them within 15 days as per USC 1681g.

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 2025-11-07 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: IL

Complaint narrative:
The company I am complaining about is a Credit Reporting Company ( Experian, Equifax, TransUnion ) I am filing this complaint because Experian, Equifax & TransUnion is incorrectly reporting obsolete and inaccurate late payment history on my credit file for a closed account.

I previously sent a formal written dispute to Experian, TransUnion & Equifax demanding the deletion of this inaccurate information, but I have not yet received the required resolution.

Account and Disputed Information Details : Creditor ( Furnisher ) : XXXX XXXX XXXX XXXXXXXX - Child Support Account Number ( Last 4 digits only ) : XXXX Account Status : Closed with a {$0.00} balance since XXXX. 

Disputed Information : Ten ( 10 ) reported late payments shown on the payment history from XXXX through XXXX. 

Specific late payment reporting includes : 60, 90, and 120 days late in early XXXX, 30, 60, and 90 days late in XXXX, and 30, 60, 90, and 120 days late in 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 2025-11-07 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: MO

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

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 2025-11-07 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: MO

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

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 2025-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied for a mortgage refinance with Bank of America in late XX/XX/year> and paid a {$1200.00} appraisal fee. A separate appraisal by XXXX XXXX  on XX/XX/year> valued my home at {>= $1,000,000}. Bank of Americas appraisal, completed on XX/XX/year>, came in significantly lower at {>= $1,000,000}, despite using nearly identical comparable sales. 

Because of this lower value, Bank of America immediately placed my loan into Not in Complete ( NOI ) status due to the loan-to-value calculation. This stalled my refinance through no fault of my own and caused significant delay and stress. 

On XX/XX/year>, I submitted six comparable sales and requested an Appraisal Reconsideration. I provided all information promptly and cooperated fully. The reconsideration was denied on XX/XX/year>, even though the comps I provided were stronger and a reputable lender had appraised the property for {$45000.00} more just seven days earlier. 

I attempted to resolve this directly with the loan officer and the loan officers manager between XXXX, but they said their policy does not allow refunds and that their department can not assist further. As a result, I am left unable to complete my refinance with Bank of America and out the {$1200.00} appraisal fee, despite delays and an appraisal inconsistent with market value. 

I am requesting a refund of the {$1200.00} appraisal fee due to the conflicting appraisal results, the handling of the reconsideration process, the delays, and the financial harm caused by the loan being placed in NOI.

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 2025-11-07 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: OH

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

Company response to consumer: Closed with explanation