vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Name : XXXX XXXX DOB : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX SSN ( last 4 ) : XXXX Complaint Against : Experian, Equifax, TransUnion, and XXXX XXXX XXXX ( Furnisher ) Issue : Inaccurate Account Reporting Details of Complaint : I am disputing an account being reported under various names ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ) with an alleged balance of {$11000.00}, opened on XX/XX/XXXX. This account is not mine. I never applied for, authorized, or opened such an account. 
This account has appeared multiple times on my reports, inconsistently across bureaus, with different names, account numbers, and even balances. This demonstrates clear inaccuracies and a failure to maintain maximum possible accuracy, in direct violation of the Fair Credit Reporting Act ( FCRA 607 ( b ) ).

Additionally : FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers may not report information they know or should know is inaccurate. XXXX inconsistent reporting across bureaus violates this.

FCRA 611 ( a ) : When I disputed directly with Experian, the account was deleted, then reinserted without proper certification. This is illegal unless the furnisher certifies accuracy and the bureau provides me written notice within 5 days.

FCRA 609 ( a ) ( 1 ) : I am entitled to full disclosure of all documentation used to verify this account. To date, no such documents have been provided.

This false reporting is harming my credit, reputation, and an important investment deal I am currently finalizing. I demand immediate deletion of this fraudulent and inaccurate account from all three credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I am filing a complaint against Midland Credit Management ( MCM ) for repeatedly verifying a debt I have already paid in full to the original creditor.

Despite disputing this debt multiple times over the past two years and providing proof of payment, MCM continues to report the debt as valid and owed. This inaccurate reporting has harmed my credit score and caused undue stress. I have sent multiple dispute letters requesting verification and correction, but MCM has failed to acknowledge the payment or update their records accordingly. Their continued verification of a paid debt violates the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I request that Midland immediately cease reporting this inaccurate debt, remove any negative remarks related to it from my credit report, and properly investigate my dispute. I am attaching all relevant payment proof and correspondence for review. Please help resolve this ongoing issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: OH

Complaint narrative:
Ive been fighting this case since XXXX  have not been helped I was awarded money and it was stolen from my account when i realized my account was hacked from a XXXX scammer i reported immediately I never received my XXXXXXXX XXXX  back. cash app constantly told me 10 days of duputes through conversations from app cause at the time had no way of contacting them via telephone but after 10 days nothing in this been going on again since the year XXXX cash app told me that they see on numerous occasions they see my account and the problem and will handle the situation which I have all receipts of conversations between cash app and myself but still have not been given back my funds. Once i reported my missing funds they immediately issued me another card and assured me that they will handle the issue properly but nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I tried multiple times to do an internal transfer from PayPal to PayPal XXXX, and it isn't working. Customer support can't be contacted via their message portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I opened a checking account with Wells Fargo on XX/XX/year> with the promotion to receive a {$400.00} cash bonus as long as I deposited {$3000.00} within the first 90 days of opening the account. I deposited {$3000.00} by XX/XX/year> and I have not received anything from the company. I called in to ask when I would receive the bonus and they transferred me around from department to department without helping me. I want them to pay me the cash bonus immediately and apologize for their delays and lack of communication. 
The email they sent me on the day of signing up said : Youre on your way to receiving your {$400.00} cash bonus Congratulations, XXXX, youre on your way to enjoying your bonus. 
If you havent done so already, dont forget to take the following actions within 90 days of opening your account to receive your {$400.00} :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
XXXX XXXX. I would like this account removed for inaccuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I applied for the XXXX XXXX credit card offered by Chase Bank XXXX XX/XX/year>. I was told it was not immediately approved or denied but under review. I then called each week ( every 7 days ) to check in on the application and was continuously told it was under review. Then after XXXX  days I called them and spoke with a representative who told me that it was apparently declined on XX/XX/year>, the day after i applied. He then basically blamed the letter they apparently sent on the post office and blamed the fact that it has continuously told me it was under review on a system glitch not allowing another side of company to see the application status ( even the phone line you would call for application statuses... ) So Chase failed to update me on my application status for over the 30 day legal limit and then had multiple excuses as to why I was not informed yet. This was a complete breakdown of communication and accountability on their part. I had to request the denial letter be resent now at XXXX  days after original application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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:
I reviewed my credit report once again and Experian has failed to do a proper investigation of a late payment on my account this is not accurate and needs to be updated self XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
First : I have XXXX loans that I paid in full and overpaid on. They told me a credit would be made to my account and I would get the XXXX paid in full letters. That was in XXXXXXXX XXXX XXXX  and it's now XX/XX/year>. 

Secondly, they took a second unauthorized payment from my account this month for the month of XXXXXXXX XXXX XXXXXX/XX/XXXX that I did not authorize. My payment for XXXX had already processed and posted by XX/XX/XXXX, there was no reason for this second payment to be taken. I track my daily amount on each of my XXXX loans left meticulously and I know what the amounts should be if the second payment is properly reversed and they give me my money back. I've also reported them for fraud to my bank to force them to give me my money back that they stole.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: Block, Inc.
State: NV

Complaint narrative:
My Cash app checking account was charged for XXXX different transactions totaling roughly {$800.00} to an electric company in Oklahoma and I reside in XXXX XXXX, NV. I did not authorize these transactions, somehow someone got a hold of my routing and account number and withdrew the money to a third party bill payer Called XXXX XXXX. Transactions where as follows XX/XX/year> {$410.00} XXXX XXXX XXXX XX/XX/year> {$360.00} XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Name : XXXX XXXX DOB : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX SSN ( last 4 ) : XXXX Complaint Against : Experian, Equifax, TransUnion, and XXXX XXXX XXXX ( Furnisher ) Issue : Inaccurate Account Reporting Details of Complaint : I am disputing an account being reported under various names ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ) with an alleged balance of {$11000.00}, opened on XX/XX/XXXX. This account is not mine. I never applied for, authorized, or opened such an account. 
This account has appeared multiple times on my reports, inconsistently across bureaus, with different names, account numbers, and even balances. This demonstrates clear inaccuracies and a failure to maintain maximum possible accuracy, in direct violation of the Fair Credit Reporting Act ( FCRA 607 ( b ) ).

Additionally : FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers may not report information they know or should know is inaccurate. XXXX inconsistent reporting across bureaus violates this.

FCRA 611 ( a ) : When I disputed directly with Experian, the account was deleted, then reinserted without proper certification. This is illegal unless the furnisher certifies accuracy and the bureau provides me written notice within 5 days.

FCRA 609 ( a ) ( 1 ) : I am entitled to full disclosure of all documentation used to verify this account. To date, no such documents have been provided.

This false reporting is harming my credit, reputation, and an important investment deal I am currently finalizing. I demand immediate deletion of this fraudulent and inaccurate account from all three credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing this complaint because Equifax and XXXX XXXX are reporting inaccurate and inconsistent information regarding this account. Despite my prior dispute with Equifax in XX/XX/year>, they updated the account without correcting the errors. The account continues to reflect contradictory and unverifiable information, in violation of the Fair Credit Reporting Act ( FCRA ).

Issues Identified : Inconsistent Balance Reporting : The account reflects a charge-off status, which indicates the debt was written off. However, Equifax also shows {$200.00} past due and {$200.00} written off, which is contradictory. An account can not simultaneously be considered written off and past due.

Date/Limit Inconsistencies : The file shows varying high balance amounts ( {$200.00} vs {$250.00} ) within the same reporting period.

This inconsistency raises questions about the accuracy and reliability of the data being furnished.

Failure to Verify With Proper Documentation : My XX/XX/year> dispute required Equifax to obtain documentation from t

he furnisher proving accuracy. No such documentation has been provided to me, nor has there been an explanation of how the account was verified. FCRA Violation : Under FCRA 1681i, Equifax must conduct a reasonable reinvestigation of disputed information. Simply re-reporting what the furnisher provided without validation is not a reasonable investigation. The reporting of contradictory information ( written off yet still past due ) is materially misleading and damages my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX and again on the XXXX, I requested that they halt any automatic withdrawals via bank account or debit. I halted all automatic withdrawals on my account except prime. They refuse to comply saying they won't stop automatic withdrawals from my account. I have complied with the requirements of notifying them 3+ days in advance. I also notified my bank. Today XX/XX/year> they still did so anyway. I got a response after they did so from a guy XXXX basically telling me they didn't have to adhere to state and federal law to withdraw approval. I still have this email. State and federal law supersedes their policy. Approval can be taken and when taken away to my understanding must be followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Account name XXXX XXXX Account number XXXX Account type Charge Card Responsibility Symphony bank continue to report misinformation on my credit after the account was settled the account was settled in XX/XX/year> and was still reporting every month until XX/XX/year> charge off with Experian. Item was disputed in XX/XX/year> and Experian did not delete the account as per FCRA REGULATIONS 15 USC 1681 Fair Credit Report Act if the information is inaccurate, incomplete and outdated it must be deleted immediately. Experian violated the FCRA by removing the dates. The account need to be deleted immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 inaccurat
e.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: 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 recently reviewed a copy of my credit report. I was very shocked to learn that I have been a victim of identity theft. Multiple accounts were open using my personal information ( name, address, date of birth, and ssn ). This has been hurting me as I am in the process of purchasing a home for my family. Please remove these fraudulent and or unauthorized accounts from my credit report immediately.Other fraudulent accounts listed as follows. U.S DEPARTMENT OF EDUCATION - XXXX {$5400.00} ; U.S DEPARTMENT OF EDUCATION - XXXX - {$5700.00} ; XXXX  XXXX - XXXX ; XXXX XXXX XXXX XXXX XXXX ; U.S DEPARTMENT OF EDUCATION - XXXX - {$2500.00} ; U.S DEPARTMENT OF EDUCATION - XXXX - {$7900.00} ; U.S DEPARTMENT OF EDUCATION - XXXX {$4400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: 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: FL

Complaint narrative:
I am writing regarding the following credit account I held with XXXX  XXXX XXXX : Account Type : Credit Card Status : Closed in good standing After filing a recent dispute to remove hard inquiries from my credit report, the credit reporting agencies accidentally deleted my closed XXXX XXXX XXXX account from my reports. 

I kindly request that you re-report this account to the three major credit bureaus ( XXXX, Experian, and XXXX  ) as it is a legitimate part of my credit history and I would like it to be reflected accurately. 

Please find attached copies of documents supporting my relationship with this account Thank you in advance for your assistance in correcting this matter.

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