vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Tsarouhis Law Group, LLC
State: PA

Complaint narrative:
Received notification of a pending lawsuit by other sources. Never received written notification of the complaint prior to lawsuit. I have no idea who their client is what they are claiming. They failed in communicating any of this information prior to the pending lawsuit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
I am disputing several inaccurate accounts on my XXXX  credit report that I believe are the result of identity theft related to the XXXX XXXX data breach. These accounts do not belong to me. I have requested a reinvestigation under the Fair Credit Reporting Act and asked for debt validation from the collectors. I'm seeking CFPB 's help to ensure these accounts are properly removed if unverified and that my identity is protected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE. 
This account has taken a toll on my peace of mind and rest. Supporting evidence is enclosed, and I request its immediate deletion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: TX

Complaint narrative:
I request prompt deletion of the incorrect late payment entry. My payment record is flawless, and this inaccuracy has created considerable emotional strain.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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:
b'XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDear Credit Representative,\nI am disputing the account stated above previously, I disputed this account information as being inaccurate, and you responded by stating you were able to verify these items. But how is that possible? Under the laws of the FDCPA, I have contacted the creditor myself, and they have failed to properly verify (*pursuant to FDCPA standard/guidelines) that this is indeed accurate.\n\nAccounts in Dispute:\n1.\tXXXX XXXX XXXX  \nINQUIRY:\n2.\tXXXX XXXX XXXX XXXX XXXXn\nI enclose copies of my requests to the CFPB and the Creditor asking the creditor to validate these items. I was given no validation/verification in accordance with the outline of the FDCPA of my obligation and/or responsibility of these disputed items.\n\nThe Fair Credit Reporting Act requires you to verify the validity of this within 30 days. If the validity cannot be verified, you are obligated by law to remove it from my credit file. I urge you to remove these items before I am forced to take Legal Action.\n\nIn the event you cannot verify these items pursuant to FCRA and you continue to report it on my credit, I will find it necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims court in my area.\nSincerely,\nXXXX XXXX'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
TransUnions credit score calculation continues to deviate substantially from XXXX XXXX XXXX by XXXX points. My balances, utilization, and payment history are identical across all three bureaus. TransUnions score dropped XXXX points after a revolving credit balance decreased, while the other two remained stable. This pattern suggests a scoring or data-processing error. I request a review and correction to ensure my credit score reflects accurate data and consistent scoring methodology.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: AR

Complaint narrative:
I authorized a {$110.00} transaction on XX/XX/year> at XXXXXXXX XXXX, but Cash App blocked it and did not allow the merchant to fulfill the order. I requested that the funds be released to my available balance, but Cash App refused and provided no reason. The {$110.00} is still pending and removed from my balance. I am requesting immediate release of these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
Concerns CHASE Bank. 
On XX/XX/year> at the XXXX XXXX in New York, I opened an account and informed the bank of my desire to receive my salary and payments relating to my work through the CHASE current account. 
Following the opening of the account, I deposited a check for {$1000.00} relating to the reimbursement of my 3-day XXXX XXXX  in New York . 
The CHASE agent informed me that the deposit will be made to my account in two parts within 48 hours, especially since the check was a CHASE check. 
Today, XX/XX/XXXX, after several exchanges, the bank wrote to me suspecting fraud and closing my account for no obvious reason penalizing me on the withdrawal of my funds and my other transactions directed to my account. 
I am seeking compensation. 
So far the money in my account has not been refunded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/year> I deposited {$200.00} into my chime account in order to pay my electricity bill. 
Chime took the money from me immediately before I was even able to my bill. 
I am XXXX  and have a child XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Now I am expected to be without electricity, chime would not refund my money to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: NY

Complaint narrative:
I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ) concerning multiple inaccurate and unverifiable personal identifiers and account information currently appearing on my credit reports. My credit file includes several incorrect name variations, including XXXX XXXX and XXXX XXXX, which do not match my legal name and appear to be the result of reporting errors. Additionally, two addresses XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, and XXXX XXXX XXXX, XXXX, NY XXXX are listed in my credit file despite having no valid or verifiable association with me. These inaccuracies create confusion and increase the risk of misidentification or fraudulent activity. Furthermore, my credit report includes an account from XXXX with an account number ending in XXXX XXXX XXXX XXXX XXXX that I do not recognize or authorize. The presence of this unverified account further compromises the accuracy and integrity of my credit profile. These errors may violate FCRA 607 ( b ), which requires that credit reporting agencies maintain only the most accurate and complete information, and 611 ( a ), which mandates a reasonable reinvestigation of any disputed item.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: NY

Complaint narrative:
I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ) concerning multiple inaccurate and unverifiable personal identifiers and account information currently appearing on my credit reports. My credit file includes several incorrect name variations, including XXXX XXXX and XXXX XXXX, which do not match my legal name and appear to be the result of reporting errors. Additionally, two addresses XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, and XXXX XXXX XXXX, XXXX, NY XXXX are listed in my credit file despite having no valid or verifiable association with me. These inaccuracies create confusion and increase the risk of misidentification or fraudulent activity. Furthermore, my credit report includes an account from XXXX with an account number ending in XXXX XXXX XXXX XXXX XXXX that I do not recognize or authorize. The presence of this unverified account further compromises the accuracy and integrity of my credit profile. These errors may violate FCRA 607 ( b ), which requires that credit reporting agencies maintain only the most accurate and complete information, and 611 ( a ), which mandates a reasonable reinvestigation of any disputed item.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc.
State: MA

Complaint narrative:
Dear XXXX Account Services : I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt.

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : * Original Credit Agreement ( the contract I allegedly signed, if applicable ) * Full Itemized Statement ( showing how the balance was calculated ) * Forward Flow Agreement ( proving debt transfer from original creditor ) * Chain of Title / Assignment Documents ( showing legal transfer of ownership ) * Complete Payment History Records ( verifying payments or delinquencies ) * Validation Notice ( per FDCPA 1692g ) * Notice of Default / Intent to Collect ( as required by law ) * Proof of Statute of Limitations ( confirming debt is legally collectible ) * Credit Reporting Agreement ( authorizing reporting to bureaus ) * Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable. 
Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX confirm that unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: IL

Complaint narrative:
XXXX Bank confirmed that my XX/XX/year> delinquency was suppressed and that my mortgage became current in XX/XX/year> after completing a XXXX XXXX XXXX XXXX. However, my credit reports still show multiple late payments from XXXX 2025. XXXX requesting CFPB assistance to verify that these months are accurately updated to reflect the forbearance and trial modification period.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX Bank confirmed that my XX/XX/year> delinquency was suppressed and that my mortgage became current in XX/XX/year> after completing a XXXX XXXX XXXX XXXX. However, my credit reports still show multiple late payments from XXXX 2025. XXXX requesting CFPB assistance to verify that these months are accurately updated to reflect the forbearance and trial modification period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: IL

Complaint narrative:
XXXX Bank confirmed that my XX/XX/year> delinquency was suppressed and that my mortgage became current in XX/XX/year> after completing a XXXX XXXX XXXX XXXX. However, my credit reports still show multiple late payments from XXXX 2025. XXXX requesting CFPB assistance to verify that these months are accurately updated to reflect the forbearance and trial modification period.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
To whom it may concern, On day XX/XX/year>, I looked at my report. I sent a letter to Equifax on XXXX XX/XX/year> asking them to reinvestigate these accounts : XXXX XXXX, XXXX XXXX. 
On day XX/XX/year> they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same.. 
and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 ( il ) 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 1681eb they are supposed to ensure this b ) Accuracy of report 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. 
And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Equifax really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Movement Mortgage LLC
State: GA

Complaint narrative:
I am submitting this complaint against Movement Mortgage LLC XXXX XXXX XXXX for mishandling a mortgage payment and inaccurately reporting my account as delinquent. 

On XX/XX/year>, I mailed Check # XXXX drawn from XXXX XXXX XXXX XXXX in the amount of {$2000.00} as payment for my XX/XX/year> installment on Account # XXXX. The payment included all applicable late fees for that month. 

XXXX XXXX # XXXX confirms delivery to XXXX XXXX XXXX XXXX XXXX XX/XX/year>. 

A representative later told me the payment would be returned because it does not bring the account current. However, as of XX/XX/year>, I have not received the returned check or any written explanation. My online mortgage portal now shows the loan 80 days past due, which is inaccurate and damaging to my credit. 

I mailed a formal Notice of Error on XX/XX/year> to the servicers designated RESPA address ( XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX ) requesting correction and assurance that no adverse credit reporting would occur while the error is under review. That notice was delivered, but I have received no acknowledgment or response. 

Violations : Failure to apply or return a valid payment ( 12 C.F.R. 1024.35 ( b ) ( 5 ) ) ; Providing inaccurate account/delinquency information ( 1024.35 ( b ) ( 6 ) ) ; and Potential inaccurate credit reporting under 15 U.S.C. 1681s-2 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

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

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} INQUIRIES : XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Since XX/XX/year>, I have not been able to pay with my " PayPal Cashback XXXX '' ( a branded card issued by XXXX XXXX  ) for their promised 3 % cashback on all purchases paid through " PayPal ''. I have gone through numerous phone calls between the two quoted entities totaling over 10 hours, with shifting blame between the two. The troubleshooting of changing my automatic payment method, unlinking and relinking payment options have been fruitless. I was able to make a breakthrough with a senior manager from the " PayPal Cashback Mastercard '' ( XXXX XXXX  ) that the issue is with " PayPal '' and that it is a frequent known billing problem they receive. The representative noted that the staff of " PayPal '' are intentionally poorly trained to shift blame to " PayPal XXXX XXXX '' ( XXXX XXXX  ). As the representative explained, the " PayPal XXXX XXXX '' ( XXXX XXXX  ) will show as the selected payment option at the " PayPal '' checkout screen for all accepted merchants, but will redirect to a non-selected option saved to my " PayPal '' account. This has resulted in cashback loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT OR SIGNATURE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: TX

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hereby challenge the inclusion of unauthorized accounts in my credit history. Please conduct an in-depth review and expunge them. Documentation is attached.

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