vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is a follow-up complaint regarding Experian 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Experian has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ). 
Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: KY

Complaint narrative:
At XXXX on Sunday, XX/XX/year>, I attempted to transfer {$50.00} to XXXX XXXX XXXX on Cash App. Im $ XXXX. I received a notice of successful delivery to XXXX but a few minutes later he said he still hasnt got it. I looked back at Cash App & didnt see history of delivery to XXXX XXXX I quickly resent it at XXXX thinking it was a glitch or maybe I didnt quite do something right. I again received a successful notice of delivery & we went about our way. Approx an hour later, or maybe less, I was catching up with my emails when I discovered the XXXX {$50.00} transactions at Cash App. First one went to XXXX XXXXXXXX XXXX XXXXXXXX & the second to XXXX. I also discovered another {$30.00} to XXXX XXXX on XX/XX/XXXX. The person I was sending that too didnt realize he didnt get the {$30.00}. I really believe this scammer is related to my on going battle with a hacker. I think the email or text message or something is rerouted. I informed Cash App of this & much more but they quickly investigated in two days & refused to reimburse me. Doesnt seem like much of an investigation. Please help. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
A premium refund was issued by my auto insurance company on a closed Chase credit card account that was in my deceased husband 's name. There is an outstanding balance on the card, but since I was an authorized user and not the primary cardholder, Chase has told me numerous times that I am not responsible for paying the account. 

My husband died on XX/XX/year>. The refund credit was issued on or about XXXX XXXX, XXXX. It was payable to me. The refund was accepted by Chase and applied to the outstanding balance. It should not have been applied to my deceased husband 's account because the money is due to me and I am not responsible for paying his account. 

I have talked to numerous representatives at Chase and each time was told that they have no way to pull that money back and send it to me. The refund went to the Chase card because the original insurance premium was charged on that credit card six months ago in XX/XX/year>. 

The credit card, last four digits XXXX, was compromised, a new card was issued. That card was later stolen. Each time, charges and credits were rolled to the new card. The latest card number ends in XXXX, and that is the number I provided further down in this complaint. 

When I called my XXXX agent on XXXX XXXX XXXX, asking to delete one of my vehicles, I told the agent not to refund the premium to the credit card that the original premium was paid with because it was not a good card any more. He said that since I was not paying monthly, there would be no credit card on file and that I would be sent a check. But I was not sent a check. The refund went back to the old credit card. 

I have discussed the situation with my local XXXX agency, the XXXX XXXX XXXX and Chase. Each is sympathetic but none accept responsibility for me not receiving my refund. 

I need help to get the {$280.00} refund, which is owed to me, back to me and away from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Everest Receivable Services Inc.
State: NY

Complaint narrative:
Everest Receivables Inc. called me and my husband about an alleged debt they claim is owed to XXXX. I dispute this debt and do not believe I owe anything. Everest has never sent me a written notice or any validation of the debt. 

The company committed multiple illegal actions during their attempts to collect : They disclosed the alleged debt amount to my husband They told him they were going to take me to XXXX XXXX XXXX They told him to have me call them They used an incorrect email address that does not belong to me They have not provided any written notice within 5 days of first contact They threatened legal action without providing validation They pressured me to pay even though I disputed the debt They refused to send anything in writing I told Everest that I do not owe this debt and requested written proof. They continued calling and threatening me anyway. Their actions violate the Fair Debt Collection Practices Act, New York debt collection laws, and XXXX rules regarding third-party disclosures and false threats of legal action. 

I am requesting that the CFPB investigate Everest Receivables Inc., require them to stop these illegal collection practices, provide proper validation, and correct their inaccurate records.

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 2025-11-14 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: WA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-11-14 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: SC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: CO

Complaint narrative:
I found incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history. Some of this information is not associated with me, and these inaccuracies could lead to misidentification or confusion with others.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my personal information. I am requesting a full investigation and prompt correction of these errors.

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 2025-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they

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 2025-11-14 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: CO

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/, I sent a XXXX payment of {$120.00} through Bank of America to a U.S. company XXXX XXXX XXXX XXXX XXXX XXXX ). The money was immediately withdrawn from my account, but the recipient never received it. Later, the transaction was marked as frozen and flagged as a potential violation of federal economic sanctions. 

I contacted Bank of America multiple times to understand why the funds were frozen and what I needed to do to resolve the issue. The bank told me they could not do anything and that the hold was related to XXXX. They did not tell me whether the transaction was officially blocked or still under internal review, nor did they tell me which sanctions program was involved. They also did not tell me what documents or information I needed to provide to resolve the matter. 

I contacted XXXX directly and received a response ( XXXX Query No. XXXX ). XXXX stated clearly that they do NOT stop or hold funds, and that only the financial institution can determine whether the funds were blocked or under review. XXXX also stated that if the transaction was blocked and reported, the bank must provide information about the sanctions program and that I would need that information to request a license for the release of the funds. 

Bank of America has refused to provide any of this required information. As a result, the funds have been inaccessible for months with no explanation and no path to resolution. I am requesting that Bank of America either release the funds or provide the necessary information so that I can proceed with XXXX if required.

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 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
My credit report shows late payment entries that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report must include only accurate, complete, and verifiable information. I am requesting that these entries be investigated, and if they can not be verified, corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Subject : Formal Request for Debt Validation ( FDCPA 15 U.S.C. 1692g ) Account Number : Creditor ( Original ) : XXXX XXXX XXXX XXXX XXXX Amount Claimed : {$550.00} Dear Sir or Madam, This letter is a formal demand for debt validation regarding the account referenced above. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, which gives me the right to request verification of this alleged debt. 
I am aware that this debt originated with XXXX XXXX XXXX XXXX XXXX but I am unaware of any debt obligation to your company, Midland Credit Management. 
Until you provide the following documentation and verification, I dispute the validity of this debt and request that you immediately cease all collection activity and cease reporting this account to any credit reporting agency. 
Please provide clear, legally sufficient validation of this debt, including, but not limited to, the following : Proof of Ownership : Documentation demonstrating that Midland Credit Management is the legal assignee or owner of this specific debt and has the authority to collect on it. 
Original Agreement : A copy of the signed agreement, contract, or other instrument bearing my signature that created the alleged debt with the Original Creditor.

Complete Payment History : A detailed breakdown and history of all payments made and charges applied to the account since its inception. 
Last Activity Date : Verification of the date of the last payment, including the amount and recipient of that payment, to confirm the statute of limitations. ( The Last Account Activity date listed on my credit report is [ XX/XX/year>XXXX  ] - Please verify this date ). 
Debt Breakdown : An itemized accounting of the {$550.00} balance, showing the principal amount, interest charges, fees, and collection charges, and how they were calculated.

If you fail to provide the requested information within 30 days of the date of this letter, you must immediately cease all collection efforts and confirm to me in writing that the debt has been cancelled or is non-collectible. 
This is not a refusal to pay, but a demand for validation as required by law. I reserve all my rights. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Subject : Inaccurate and Unverified Collection Reporting by Portfolio Recovery Associates I am submitting a complaint regarding inaccurate and incomplete reporting by Portfolio Recovery Associates on my credit report. 

The account is reporting as follows : Creditor : Portfolio Recovery Associates Account Type : Debt Buyer Balance : XXXX dollars Status : Collection account. XXXX dollars past due as of XX/XX/XXXXXXXX  Date Opened : XX/XX/XXXXXXXX  Status Updated : XX/XX/XXXX Original Balance : XXXX dollars This reporting contains multiple FCRA and FDCPA violations : 1. The Date of First Delinquency is missing.

Debt buyers are required to report the DOFD under FCRA 623a5. Without it, the account is incomplete and unverifiable.

2. The account shows past due reporting even though it is owned by a debt buyer. 
Debt buyers can not legally report past due amounts unless they provide full validation, including itemized statements and original creditor documentation. No such documentation has been provided. 
3. The Date Opened appears inaccurate and misleading.

Debt buyers often report the date they acquired the debt, but the correct date should reflect the original delinquency with the original creditor. 
4. Payment history is incorrectly reported.

The account shows multiple months of C codes as if there is an ongoing late payment history. Collections should not show monthly late payments under XXXX XXXX standards. 
5. The balance has not been validated.

I have never received validation of the XXXX dollar balance, itemized charges, or proof of ownership as required under FDCPA 809b. 
6. The credit bureaus did not conduct a proper reinvestigation.

My online dispute returned a generic response with no documentation from the furnisher, violating FCRA 611.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
The online bank current bank close my account on XX/XX/year>. There is a remaining balance in my account for {$1000.00} that I have been trying to get since XX/XX/year>. I have been told since that day that my check was in the mail being mailed or being processed I've been told several different stories and today is XXXX the XXXX XXXX  and I have yet to receive my money. I have been evicted from my home with nowhere to go, my bills are late, my phone 's cut off and they act like this is not a problem. I have a minor child I am responsible for and I can not even have him with me right now because I have nowhere to go, I'm currently residing at the homeless shelter. I have asked several times for this money to be wired to my new account and all I get is the same answer that my check is being mailed or it has already been mailed and I have yet to see any evidence of the check being mailed no tracking number and they're still the positive balance in my account. It seems to me if a check was printed for that amount that my account will be at a XXXX balance.PLEASE HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: DC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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