vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following items on my credit report with the three major credit bureaus Equifax, The details of each account in dispute are outlined below. I am requesting that you investigate and correct any inaccuracies. 

CHARGED OFF XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} LATE PAYMENTS XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: VA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain items on my credit report and request your assistance in investigating the inaccuracies. Below are the details of the accounts in dispute, separated by credit bureau : CHARGED OFF XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$320.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$780.00} INQUIRIES XXXX  XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX LATE PAYMENT 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 2025-11-27 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: SC

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 : [ XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  ] Account Number : [ 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 2025-11-27 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: TN

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 2025-11-27 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: FL

Complaint narrative:
Could you review this entry? It seems delayed and might contain errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: IL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following information on my credit report. Please find below the details of the accounts in dispute. I request that these discrepancies be corrected as soon as possible. 

Charged Off : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$590.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$810.00} Inquiries : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Late Payment : 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 2025-11-27 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: AL

Complaint narrative:
I am filing this complaint because [ XXXX / XXXX / TransUnion ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulXXXX v. TransUnion, LLC ( XXXX XXXX XXXX ) confirmed all objectively verifiable inaccuracies must be corrected ; XXXX. of Agriculture XXXX XXXX ( XXXX XXXX ) held no entity is immune from FCRA liability ; and XXXX XXXX TransUnion, XXXX ( XXXX. XXXX XXXX ) resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : === CHARGE OFF === TU : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX === INQ === TU : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-11-27 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 disputing several charged-off accounts and late payments listed on my Experian credit report. I request that Experian conduct a thorough investigation and make the necessary corrections or removals if they can not be verified. 

Charged Off : CHILD SUPP, Account No : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$37000.00} XXXX, Account No : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1200.00} Late Payments : XXXX, Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Account No : 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 2025-11-27 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-27 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: Block, Inc.
State: FL

Complaint narrative:
CFPB COMPLAINT STATEMENT I am filing this complaint because XXXX and Cash App have both failed to resolve an issue regarding my undelivered order and the refund they claimed to process but never actually issued. 

Order Details : XXXX Order # : XXXX Order Date : XX/XX/XXXX Cash App Case # : XXXX Cash App Dispute Filed : XX/XX/XXXX It has now been over XXXX weeks ( well past the XXXX business days ) Cash App requires for resolution, and I still have NO update. 

XXXX Issues & Inconsistencies XXXX was extremely wishy-washy throughout this process. 
They first apologized for me not receiving my order, then suddenly changed their story and claimed it was delivered intact and signed for, which is not true. 
They sent me emails asking for photos to verify non-delivery. I submitted everything they asked for, and after that a representative told me he processed a refund but the amount he said he refunded was wrong, and I provided proof of that. 
Later, XXXX refused the refund, closed my account, and blocked me from placing orders. 
They also failed to ship several of my other orders, which I had to cancel. Because of the ongoing shipping problems on their end, I strongly believe this contributed to my package never arriving. 

Cash Apps Failure to Resolve I contacted Cash App immediately after XXXX refused to assist. 
Cash App is now well beyond the XXXX business days they promise for dispute resolution it has been over XXXX weeks. 
Even after the case was escalated to a manager, they have provided no updates, no progress, and no refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: FL

Complaint narrative:
I am reviewing my credit report from TransUnion and noticed discrepancies regarding the charged-off accounts and late payments. I request that TransUnion investigate these items thoroughly, and if any of these items can not be verified, they should be removed from my credit report as per the Fair Credit Reporting Act ( FCRA ). 

Charged Off : CHILD SUPP, Account No : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account No : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} Late Payments : XXXX, Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Account No : XXXXXXXX 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 2025-11-27 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: Chime Financial Inc
State: TX

Complaint narrative:
Someone by the account name XXXX XXXX gained unauthorized access to my Chime bank account on XX/XX/XXXX at XXXXXXXX XXXX  They stole {$770.00} dollars after draining my savings, using a payday advance, and taking out an instant personal loan. When on the phone with Chime support I was told that once I gained access to my account they would handle everything, and that I'd get my money back. Chime then rejected the dispute the next morning. I reopened it, and provided screenshots proving that all of the transfers were performed BEFORE I had regained access to my account. They said it would be handled, again. They denied my dispute, again, despite having proof that someone had unauthorized access to my account and made those transfers against my will and without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
Dear Sir/Madam, I am writing regarding the vehicle I purchased brand new from XXXX Hyundai XXXX XXXX. I successfully completed all payments on the vehicle, with my final payment made on XX/XX/XXXX. I have full documentation proving that the vehicle has been paid in full. 

Since completing my payments, I have repeatedly attempted to obtain a clear title for my vehicle. I have submitted multiple online requests and personally visited the dealership in an effort to resolve this matter. Unfortunately, despite these attempts, I have not received any response or assistance. 

I am now in the process of trading in my current vehicle for a new one. However, I am unable to move forward without the clear title, which makes this matter extremely urgent. 

I respectfully request immediate action to release the clear title to me, or to advise me of any outstanding steps required on my part. I would greatly appreciate a prompt response, as the delay has caused significant inconvenience. 

Thank you for your attention to this matter. I look forward to hearing from you as soon as possible.

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 2025-11-27 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: LD Holdings Group, LLC
State: IL

Complaint narrative:
I purchased my home on XX/XX/XXXX, using loan depot through XXXX XXXX XXXX, who has since left the company. In XXXX or XXXX of XXXX Loan Depot sold my mortgage to XXXX XXXX, which is now XXXX XXXX XXXX. About a month ago I started receiving calls from Loan Depot claiming I have a mortgage through them and that I owe them {$7500.00}, which I do not. I told the agent send me proof of the money owed and for what and explained they sold my mortgage XXXX  years ago and for whatever it was sold for the debt was paid during the sell. 

The agent refused and kept saying I owed them and it was for refinancing. I never refinanced my home. Especially not through them. They still have my mortgage on file as if I am still a client when I am not and have not been in XXXX years. 

Loan Depot was a scam of a loan company when I purchased my home and they still are trying to scam me now. 

They refuse to show proof of where this number has come from and due to the statue of limitations approaching on them to collect possible funds they are trying to increase the amount and claim I owe them, when I owe them not a single time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
Between XXXX. XXXX  while fighting XXXX  XXXX XXXX and hospitalized with XXXX XXXX XXXX transactions to one merchant were paid unauthorized from my cashapp acct. {$2700.00} total charges. After submitting medical records, transactions, proof of fraudulent activity to what I found to be a gambling platform, I disputed charges. Their system flagged me for fraud for the large number of disputes yet failed to flag the 99 transactions as unusual and now this is CashApps tactics for not refunding or taking accountability for the system failing the consumer when I wasnt able to protect myself. So this is how it goes from here, I get an email, asking same questions which I will attach and not five minutes later another saying sorry but they thoroughly investigated and. Although I may not like the decision blah blah? What decision? What did you thoroughly investigated within minutes of said emails? I want answers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: NJ

Complaint narrative:
Dear Sir/Madam, I am submitting this complaint to address multiple inaccuracies on my credit report across three bureaus : Experian ( EX ), The following accounts are being disputed for inaccurate reporting : Charged Off 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 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 2025-11-27 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: FL

Complaint narrative:
I am writing to file a formal dispute regarding the accuracy and completeness of the information reported by the credit bureaus. Below are the accounts in dispute separated by bureau : CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-27 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: IN

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving 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 non-monetary relief
Consumer complaint received 2025-11-27 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: OH

Complaint narrative:
The following accounts on my TransUnion credit report are being disputed due to inaccuracies or incomplete reporting : Charged Off Accounts [ Account details if applicable ] Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Positive Accounts XXXX XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payments 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