vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 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: GA

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverifiable information that Equifax Information Services LLC is reporting on my consumer credit file. After reviewing my Equifax credit report, I identified multiple items that are incorrect, not mine, or inaccurately reported. I am requesting that Equifax be required to conduct a lawful and thorough reinvestigation and correct or delete the disputed information in compliance with the Fair Credit Reporting Act. 
The address listed as XXXX XXXX XXXX XXXX, XXXX, GA XXXX is not my address. I have no knowledge of this address, I have never lived there, and it does not belong to me in any capacity. This address is inaccurately associated with my credit file and must be deleted immediately. 
The account reported by XXXX XXXX, account number ending in XXXX, opened on XX/XX/XXXX and reported as a charge-off, is not an account I recognize. I have no knowledge of this account, I did not authorize it, and I do not acknowledge responsibility for it. Equifax must verify this account with proper documentation, and if it can not be verified as accurate and belonging to me, it must be deleted. 
The account reported by XXXX XXXX XXXX, account number ending in XXXX, opened on XX/XX/XXXX, is inaccurately reporting late payment history. I am disputing the accuracy of the late payments being reported on this account only. Equifax must investigate the payment history and correct any inaccurate, incomplete, or unverifiable late payment reporting. 
The collection account reported by XXXX XXXX, account number ending in XXXX, opened on XX/XX/XXXX, is not an account I recognize. I have no knowledge of this collection account, I did not authorize it, and I dispute responsibility for it. If Equifax can not verify this account with competent evidence, it must be deleted. 
I am also disputing multiple inquiries appearing on my Equifax credit report that I did not authorize and for which I did not provide permissible purpose. These include inquiries by XXXX, XXXX, XXXX XXXX XXXX, XXXX, and XXXX on the dates reported. Equifax must investigate these inquiries and remove any that can not be verified as having a valid permissible purpose. 
I am requesting that the Consumer Financial Protection Bureau require Equifax to comply with the Fair Credit Reporting Act by conducting a proper reinvestigation, correcting or deleting any information that can not be verified as accurate and complete, and ensuring that my credit file reflects only accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
CFPB Complaint Narrative ( paste into the box ) I am filing this complaint due to unresolved mortgage servicing failures related to escrow accounting, a valid property tax exemption, and prolonged loss of online account access. 

I submitted XXXX XXXX documentation confirming my property tax exemption in early XX/XX/year>. I was later informed by Mr. Cooper representatives that my escrow account was re-evaluated on XX/XX/year>. Despite this, my escrow balance and monthly mortgage payment have not been updated to reflect zero property taxes, and no refund has been issued for overpaid taxes. The automated phone system continues to report that my escrow has not changed. 

I have contacted Mr. Cooper customer service three times regarding this issue. Each time, I was provided a new projected resolution date that was not honored. I escalated the issue to a supervisor during my most recent call, but no corrective action has been taken. 

Separately, I have been locked out of my online account for over a week. The XXXX XXXX and Mr. Cooper systems are not functioning correctly together. Multiple password resets were required because the Mr. Cooper app would not allow login, which ultimately resulted in my account being locked. I contacted customer service and was told the account would be unlocked within 24 hours ; this did not occur, and I still can not access my account. 

I attempted to escalate this matter in writing to email addresses provided for Mr. Cooper customer support and escalation, but both emails were returned as non-deliverable. 

I am requesting regulatory assistance to ensure : My escrow account is corrected to reflect zero property taxes going forward. 

A refund is issued for overpaid escrowed taxes. 

My online account access is restored. 

Clear confirmation is provided that my tax exemption documentation has been properly applied. 

This issue has been ongoing for nearly a month despite repeated attempts to resolve it directly with the servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
15 U.S. Code 1681i The verzion account was reinserted remove I was not notified please dont report this account again The portfolio recovery account was reinserted please dont report this account again, I have disputed this account due to identity theft, and requested Verification the paperwork I was sent due not match the account details it needs to be removed immediately I have no knowledge of this account, all accounts I have listed needs to be removed asap according to FCRA MY REPORTS should be correct at all times!

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 2025-12-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
i applied for a lowes credit card through synchrony bank. a card that i never received that i realized was being used without my permission. i disputed these transactions and i was told that i would not be held responsible, yet every month the charges appear still on my balance. i have had it with this company and at this point i know longer want a synchrony lowes card if they allow there customers to be taken advantage by crooks then make us pay for them.

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 2025-12-30 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: OK

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, Equifax & XXXX  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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 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 creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XX/XX/year> -- {$9900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to address a serious concern regarding recent violations of the Fair Credit Reporting Act ( FCRA ). As you are aware, the FCRA mandates that all reported information must be 100 % accurate. Unfortunately, I have suffered harm due to these violations, and I am entitled to resolution in the form of deletions. 

The inaccuracies in the reported information have significantly impacted my creditworthiness and have prevented me from purchasing my first home because I can not obtain the necessary credit. Additionally, this situation has hindered my ability to apply for better positions where I currently work, as I am unable to pass the credit screening. 

I have attached a letter listing the accounts that are not accurate, and I am demanding their immediate removal. It is crucial that we ensure the integrity and accuracy of the information being reported to prevent any adverse impact on individuals. 

I appreciate your attention to this matter and look forward to a prompt resolution.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Equifax & Experian credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  account number : XXXX. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-12-30 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: NY

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX  days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANCO POPULAR DE PUERTO RICO
State: TX

Complaint narrative:
A merchant made an unauthorized charge to my visa credit card. The merchant sent me proof that the amount was refunded to my credit card but my bank claims otherwise and is telling me that the merchant is defending the charge, which is contradictory to what I have been told by the merchant and what the account statements with merchant shows. My bank refuses to believe me despite the evidence I have submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715. 719. I PRESUME THAT NO PROOF OF THE ALLEDGED DEBT, NOR THEREFORE EXISTS PUSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 1681-4.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Klarna AB
State: MA

Complaint narrative:
I used Klarna to finance a purchase that was part of a decoy package fraud scam. 

The seller shipped a USPS package to a different address in my ZIP code, not my address, to falsely generate a delivery confirmation. I never received the item I purchased. 

Klarna denied my dispute solely based on XXXX documentation stating delivered, without verifying the delivery address. USPS has confirmed the package was not delivered to my address, and a mail fraud report has been filed. 

Klarna is resuming payments for a transaction that is the result of fraud. I am requesting a full reversal of the transaction and refund, and removal of any related balance or payment obligation. 

On XX/XX/XXXX, I purchased an item on XXXX ( XXXX XXXX XXXX  ) from a seller who described the item as new and never fired with tags. My dad passed away before the XXXX season opened and I have no time to XXXX this year. Thanks and good luck. I messaged the seller with my condolences over his fathers passing. No response. I also messaged about an update on tracking and shipping information. No response. I messaged a final time once I realized I had been scammed. No response. 

I closely watched the tracking information- it was supposed to be delivered on XX/XX/XXXX. When my son and wife arrived home, there was no package. I called and visited our local post office where I learned a package of 8 ounces was delivered to an address on the other side of town. My package was supposed to be over 6 pounds. The postal worker informed me that I was the victim of a common decoy scam. I immediately filed a dispute with XXXX and with Klarna but, as previously noted, I was denied any resolution. The postal worker printed out documentation of the falsified delivery and gave it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. Accounts in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: NC

Complaint narrative:
I am writing to formally dispute inaccurate personal information appearing on my consumer credit report. After reviewing my report, I have identified multiple addresses listed that do not belong to me and/or are not associated with my current residence. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am exercising my right to dispute inaccurate or unverifiable information. Please investigate and remove all addresses that are not accurate, and update your records to reflect only my correct and current address listed below : Correct Address : XXXX XXXX XXXX XXXX XXXX, NC XXXX Any other addresses appearing on my credit file are inaccurate, outdated, or unverifiable and should be deleted immediately. Retaining incorrect personal information may lead to misattribution of accounts and constitutes a violation of my rights under the FCRA. 

Please complete your investigation and provide written confirmation once the inaccurate addresses have been removed and my file has been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I paid {$610.00} via Cash App for two months of rent on the first of XXXX and XXXX. After payment on XX/XX/XXXX, I was evicted when the property was confirmed to be in foreclosure by the sheriffs and the person collecting rent had no legal right to lease it. I was only given a trespass warning because I cooperated with the officers and explained the situation. 

I provided foreclosure records, eviction removals, and proof of payment, yet Cash App denied my appeal solely because the payment was authorized. This was fraud by misrepresentation, not a legitimate transaction. 

I am requesting a full refund I provided Cash App with documentation including foreclosure confirmation, screenshots of the Cash App payments, and communications showing the rental agreement. 

Despite this evidence, Cash App denied my dispute and appeal solely on the basis that the payments were authorized, without addressing the documented fraud involved in the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint against Citibank regarding a significant and unexplained reduction of funds in my credit card account, which has caused me substantial financial hardship. 

At the time of this incident, my Citibank account reflected a balance of ( {$14000.00} ). Without prior notice, reasonable explanation, or my authorization, my available balance was reduced to approximately XXXX XXXX dollars ( {$500.00} ). This sudden and drastic reduction has severely impacted my ability to meet essential financial obligations. 

Despite attempting to obtain clarification from Citibank, in which I was told equifax reported, this is the reason why my balance was it decreased. I have not received a satisfactory explanation or documentation justifying this action. I was not provided with advance notice, a detailed accounting, or an opportunity to dispute the reduction before it occurred. As a consumer, I believe this lack of transparency and communication is unreasonable and may constitute improper handling of my account. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and require Citibank to provide a full explanation, supporting documentation, and, if appropriate, restoration of the missing funds. I am seeking a prompt resolution, as this situation has created ongoing financial distress. 

Thank you for your time and attention to this matter. I am prepared to provide any additional information or documentation needed to support my complaint. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation