vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: NJ

Complaint narrative:
XX/XX/year>, my credit card account was suddenly closed by XXXX XXXX XXXX due to an alleged fraud concern. I had no fraudulent transactions, no unusual activity, and I did not report any fraud. The account had always been in good standing. 

When I contacted customer service, they refused to provide any details or explanation about why the account was marked as fraud. I was told only that the account was permanently closed and that no further information could be shared. I repeatedly explained that this was a mistake, but no review was offered. 

Because the decision was made without evidence and without transparency, this closure could unfairly harm my credit score and credit history. I am requesting the account to be reopened, the mistake to be acknowledged, and confirmation that this incident will not negatively impact my credit report.

I have taken all reasonable steps to resolve this directly with the company, but they did not provide any explanation or solution.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation
State: IN

Complaint narrative:
I am filing a complaint against XXXX for inaccurate credit reporting. The account in question shows as closed in XXXX, yet XXXX continued to report late payments and delinquent months after the account was closed and marked as in collection / profit and loss write-off. 

The reporting shows : * Account closed : XXXX * Late payments reported from XXXX through XXXX * Additional delinquent months reported for XXXX and XXXX * Comment line states : in collection / profit and loss write-off This reporting is impossible under the Fair Credit Reporting Act and Metro-2 credit reporting standards. Once an account is closed, charged off, or written off, a creditor can not continue to report new late payments or new delinquency months. The status must be frozen as of the charge-off/closure date. XXXX is reporting months of late payments and delinquency that could not have occurred because the account was no longer open or billing.

This violates FCRA 623 ( a ) ( 1 ), which requires furnishers to report accurate information. Reporting late payments after closure and charge-off is considered illegal re-aging and materially misrepresents the accounts history. It is significantly harming my credit standing. 

I have attempted to dispute this directly with the credit bureaus, but XXXX continues to verify these inaccurate and impossible late payment months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
My wise account is closed with no reason, all my transaction are legal, I never violated any their policy, when I submit a appeal there is no way for appeal, they says after careful review they decide close my account, however they never request me to upload evidence. account : XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
Complaint Category : Credit reporting / Improper use of credit report / Incorrect information on credit report Company Complained About : XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Kia Finance America Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Multiple companies are reporting charge-offs and collections on my credit report without providing legally required documentation. Many of these debts were charged off without issuing IRS Form 1099-C as required under 26 U.S.C. 6050P. Debt buyers can not provide chain of title, proof of ownership, itemized accounting, or the original signed contract.

I disputed these items with the credit bureaus, but they failed to conduct a lawful reinvestigation as required under 15 U.S.C. 1681i, and verified accounts without providing documentation.

This violates : FCRA 1681e ( b ) accurate reporting FCRA 1681i reinvestigation FCRA 1681s-2 ( b ) duty of furnishers FDCPA 1692g validation Regulation F 12 C.F.R. 1006.34 UCC 3-203, 3-301, 9-203 IRS reporting requirements for charge-offs ( 26 U.S.C. 6050P ) I am requesting immediate deletion of all unverifiable accounts.

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 2025-11-19 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: CA

Complaint narrative:
This letter serves as a formal demand for the immediate deletion of fraudulent accounts from my credit report, which were opened without my knowledge or consent. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to investigate and remove these inaccuracies within 15 days. Relevant documentation is enclosed to support this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Due to me filing with a CFCB Experian decided to drop my credit score by 27 points for no reason I looked on my credit report. They are not given any valid reason someone needs to step in and get this corrected.

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 2025-11-19 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: MN

Complaint narrative:
Equifax is reporting inaccurate and re-aged information on a charged-off XXXX XXXXXXXX. 
account that was closed in XXXX. Despite my dispute, Equifax continues to show new balances, new past-due amounts, and updated " Historical Account Information '' dated into XXXX. The account is closed and charged off, so no new balances or past-due amounts should exist. 
Equifax also changed the " Date of Major Delinquency 1st Reported '' and modified multiple months of historical data, which constitutes illegal re-aging under the FCRA.

They also incorrectly mark the account as " Lost/Stolen, '' which is false and harmful. 
The creditor charged off the account in XXXX. There has been no activity since that date. Equifax is reporting false updates, changing dates, and showing updated balances and past-due amounts 3 years after charge-off. Thi, materially inaccurate and viola CRA 1681e ( b ) and 1681i.

I want Equifax to stop re-aging this account and stop reporting new activity that never occurred. The information they provided in their reinvestigation is still incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX XXXX are reporting an inaccurate and completely unverifiable account under the name XXXX XXXX XXXX, Date Opened XX/XX/year>, with a Balance Owed of {$2200.00}, listed as a Charge-Off. I have no knowledge of this account and have never opened, authorized, or maintained any financial relationship with XXXX This account does not belong to me and is being falsely reported under my credit profile. 

This false entry is violating my consumer rights under the Fair Credit Reporting Act ( FCRA 607 ( b ) and 611 ( a ) ), which require that all information on a consumers credit file be accurate, fully verifiable, and removed immediately if it can not be proven. Despite my previous dispute, this account continues to appear on my credit report with no documentation, proof, or signed agreement from the original creditor verifying its legitimacy.

The continued reporting of this inaccurate and unverifiable account has caused significant emotional stress, lowered my credit score, and interfered with my ability to access fair financial opportunities. This ongoing inaccuracy demonstrates negligence and noncompliance with federal consumer protection laws that are meant to ensure fairness and accuracy in credit 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 2025-11-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
This is my third CFPB complaint regarding an alleged debt of {$1200.00} related to my former tenancy at XXXX XXXX XXXX in XXXX, CA. The collector continues to report and attempt to collect on an unverified, inaccurate, and legally invalid debt, despite two prior CFPB investigations.

The collector has not once provided documentation to support its allegation that I remained in the unit beyond XX/XX/year>. Their continued reporting of an unverified debt violates their obligations under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

The collector has also offered contradictory and unsupported explanations in previous responses. In the first complaint, they claimed I provided no evidence of an infestation or habitability issues. In the second complaint, after I submitted photos and emails, they claimed the emails were edited, yet still failed to produce their own records or any contradictory documentation. This misrepresentation of my evidence is improper and shifts the burden of proof onto the consumer, which is unlawful under federal and state law. 

I lawfully vacated the unit on XX/XX/year> due to uninhabitable conditions. I provided photos, emails, my written notice, and supporting documentation. The collector has not produced a single piece of evidence showing I remained after that date, nor any documentation rebutting my habitability claims. 

I have attempted multiple times to resolve this matter directly with the collector but they have not cooperated or complied with federal requirements for verification and accurate credit reporting. I am preparing to file a California Small Claims action ( SC-100 ) and the collector will be served in the coming weeks. I intend to seek approximately {$7500.00} in statutory and actual damages for violations of the FDCPA, Rosenthal Act, FCRA, and for emotional distress caused by the continued reporting of an unverified and time-barred debt.

I am requesting that the CFPB review the collectors continued reporting of unverifiable and disputed information and require proper validation or deletion consistent with the FCRA and FDCPA.

Collector can contact me directly if theyd like to settle before SC-100 is filed with the court. Otherwise they can expect to be served in the coming weeks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arcon Credit Solutions LLC
State: IN

Complaint narrative:
I have been receiving repeated phone calls from Arcon Credit Solutions regarding a debt that is not mine. The first time I answered, the caller asked if I was related to a specific person, who is my father. When I asked who was calling and why, the representative refused to identify the company or the purpose of the call.

After hanging up, I looked up the number and confirmed through their automated system that it belongs to Arcon Credit Solutions. Since that first call, the same representative ( XXXX ) has contacted me four additional times, even though I clearly told him not to contact me again.

During these calls, he has asked inappropriate and intrusive questions such as Are you with your mom and dad? and What time will your dad be home? He has also called at inappropriate times, including around XXXX XXXX. 

I am not the debtor, I have no connection to this debt, and Arcon has continued contacting me after being told clearly to stop. These repeated contacts appear to violate the FDCPAs rules regarding communication with third parties and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: MO

Complaint narrative:
Mohela has sent me an errant delinquent payment notice that I am {$26.00} over due. My autopay has been set up for the correct amount due. The amount was deducted from my account on XXXX, and they have not amended their account to reflect that I did in fact make the correct payment on XXXX. 

I have attached my bank statements and notices from Mohela all attesting to this fact. I am hesitant to pay the {$26.00} that they are claiming I owe to get my account in good standing as their online account has had multiple issues and they are not processing refund requests due to their error in a timely manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
On XX/XX/year> I noticed XXXX transactions with Paypal from XXXX XXXX. XXXX transaction was for {$960.00} that was taken directly from my bank account. The second transaction was {$990.00} that was taken directly from paypal credit. I reported both of these transactions immediately directly to paypal and my bank. Paypal reversed the {$990.00} and my bank conducted an investigation where they found the {$960.00} fraudulent and reversed the payment. I have shown attachements of the bank statements of the purchase and the reversed charge with my bank. 

On XX/XX/XXXX, Paypal sided with the seller stating that the transaction was authorized. Paypal stated that the seller sent me emails with tracking information along with other communication via email. The email I have associated with PayPal is XXXX. I have sent you documents of all the emails I have gotten from XXXX and they do not match what XXXX has as far as email communication has been given. 

The email also states that it was for Games and Services. I am not sure what this is nor do I know what this purchase all entails. There is not enough information other than Games and Services regarding this purchase. 

I filed an appeal for a charge back stating that I never received any email from XXXX with tracking nor have I received any package, no information whatsoever. What I have given you is all that I have in my email from XXXX. I have it in all folders which includes, inbox, spam, sent and trash. I did not send XXXX any email nor have I received anything after XX/XX/XXXX. I need to see these emails that I supposedly sent that are on Paypal 's Case timeline.

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 2025-11-19 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 am submitting this follow-up complaint regarding my previous submission dispute inaccurate information on my credit report that is affecting my creditworthiness and does not reflect the true state of my credit history. While reviewing my credit report, I was alarmed to discover two instances that I believe must be corrected for an accurate reflection of my credit history. These errors are concerning not only because of the incorrect reporting, but also because they contradict the guidelines outlined in the Fair Credit Reporting Act ( FCRA ). First, I would like to address the XXXX XXXX XXXX account with the number XXXX. This account, opened on XX/XX/XXXX, shows a balance owed of {$480.00} and a history of late payments. The report reflects 30 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX, which is inaccurate. I assert that these late payments are reported incorrectly, and I request that you investigate and correct the reporting of this account. As per FCRA Section 609 ( a ) ( 1 ), I am entitled to request full documentation supporting this reported late payment history. The absence of such documentation would suggest that this entry is unverifiable and should be removed from my credit report. Further, I am requesting that the account be investigated to verify its authenticity and that the information is corrected if it can not be verified within the 30-day period required by FCRA Section 611. Second, there is an account reported from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) with the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Although this account shows a {$0.00} balance, it reflects 30 days late from XXXX to XX/XX/XXXX, marked as regular late. However, I have noticed that this account is still being reported as closed on some credit bureaus, which contradicts the closed status reported on others. This discrepancy violates the guidelines of the FCRA Section 607, which mandates that all information reported to the credit bureaus must be accurate and consistent across all reporting agencies.

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 2025-11-19 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: FL

Complaint narrative:
I am submitting this follow-up complaint regarding my previous submission dispute inaccurate information on my credit report that is affecting my creditworthiness and does not reflect the true state of my credit history. While reviewing my credit report, I was alarmed to discover two instances that I believe must be corrected for an accurate reflection of my credit history. These errors are concerning not only because of the incorrect reporting, but also because they contradict the guidelines outlined in the Fair Credit Reporting Act ( FCRA ). First, I would like to address the XXXX XXXX XXXX account with the number XXXX. This account, opened on XX/XX/XXXX, shows a balance owed of {$480.00} and a history of late payments. The report reflects 30 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX, which is inaccurate. I assert that these late payments are reported incorrectly, and I request that you investigate and correct the reporting of this account. As per FCRA Section 609 ( a ) ( 1 ), I am entitled to request full documentation supporting this reported late payment history. The absence of such documentation would suggest that this entry is unverifiable and should be removed from my credit report. Further, I am requesting that the account be investigated to verify its authenticity and that the information is corrected if it can not be verified within the 30-day period required by FCRA Section 611. Second, there is an account reported from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) with the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Although this account shows a {$0.00} balance, it reflects 30 days late from XXXX to XX/XX/XXXX, marked as regular late. However, I have noticed that this account is still being reported as closed on some credit bureaus, which contradicts the closed status reported on others. This discrepancy violates the guidelines of the FCRA Section 607, which mandates that all information reported to the credit bureaus must be accurate and consistent across all reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I have over {$1600.00} in deposits that I never authorized and neither did the person who sent the deposits! All the deposits sent from XXXX XXXX in the months of XXXX and XXXX she did not authorize and I did not request! My debit cards and cellphone were stolen from me while inside of a XXXX in XXXXXXXX XXXX I XXXX XXXX am also in middle of disputes with XXXX for many unauthorized transactions. Cashapp has not provided me with any type of solution nor results of any kind. In fact they have not once even provided me with any reassurance of the matter to be fixed and funds to be credited back

Company response to consumer: Closed with explanation