vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 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: PA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
My complaint is for the company named cashapp. On XX/XX/year> I submitted a request to transfer {$300.00} from my cashapp account to my husband cashapp account. The transaction did not go through due to " suspicious activity ''. I was contacted by email from XXXX on XX/XX/year> asking why I put XXXX in the subject line. I replied to the email stating that it was a joke and I was paying my husband back for money he let me borrow and it literally meant nothing. I also stated that he is a XXXX citizen and I am a XXXX citizen and we live together in XXXX, SC and the money was never meant for Cuban people or sent to XXXX. I offered to provide proof of both XXXX citizenship, and marriage, and living together in our house in XXXX, XXXX. I replied to the email on XX/XX/XXXX. I then requested to just cancel the transaction and refund my money so I can use the money to buy groceries for our household. Cashapp refuses to refund my money and has not requested any proof I offered in order to close this investigation. My husband account has not been blocked, only mine. He sent me {$100.00} on XX/XX/XXXX through cashapp and I cant access that money either because my account is still being investigated but not his. I want a refund of the {$300.00} from XX/XX/XXXX and the {$100.00} from XX/XX/XXXX. I want a refund of all available funds I have in the cashapp account, a total of {$400.00}, and I want to close my cashapp account because of this horrible experience. I have contacted cashapp by text, email, and phone a total of 9 times and they continue to tell me the investigation is still ongoing and they do not have an estimated resolution date to give me. Today is XX/XX/XXXX and they still have not closed this bogus investigation or returned my money. I have attaced XXXX of the 9 times I contacted cashapp about my money being refunded. I can attach the other conversations if needed as well. Please help me get my money back. Please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: PA

Complaint narrative:
I received an error on XX/XX/year> that my score decreased several points and directly correlating was an error with XXXX XXXX  stating that it was delinquent. I submitted a dispute immediately. With that dispute, I submitted evidence of a letter from the creditor. I knew this was an error since I was working with XXXX XXXX. I received notice on XX/XX/XXXX that the dispute results were ready. However, nothing changed. Experian never takes the evidence into account. They always take their own side. Then they took another XXXX points off of my credit. If anything my score should have gone up if they had done their job. Because on top of this. All of my credit cards balance significantly decreased.

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 2025-11-08 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: VA

Complaint narrative:
" I am filing a complaint against [ Equifax/Experian/TransUnion ] for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ). I request that the CFPB take action to ensure Equifax complies with federal law and provides the necessary proof of investigation. The accounts that need attention are XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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:
Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/year> SSN : XXXX Credit Bureaus Involved : Transunion XXXX Experian and Equifax XXXX Subject : Request for Investigation and Removal of Inaccurate or Unverifiable Information Under the Fair Credit Reporting Act Dear Consumer Financial Protection Bureau , I am submitting this formal complaint regarding inaccurate, incomplete, and unverifiable information being reported by Transunion, Experian and Equifax on my credit file. These items are negatively affecting my creditworthiness and may be in violation of the Fair Credit Reporting Act ( FCRA ). 

Under Sections 602A, 607 ( b ), and 611 of the FCRA, I am requesting a full reinvestigation of each of the negative and inquiry items listed below. I also request that any item that can not be fully verified be deleted immediately from my credit report. 

Disputed Accounts WebBank / XXXX XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account ending XXXX ) Past XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Account ending XXXX ) Charge-Off XXXX XXXX XXXX XXXX XXXX Account ending XXXX ) Charge-Off Applied Bank ( Account ending XXXX ) Charge-Off XXXX  XXXX XXXX Charge-Off / Repossession XXXX XXXX XXXX ( Account ending XXXX ) Charge-Off {$55000.00} XXXX XXXX XXXX  ( Account ending XXXX ) Charge-Off {$29000.00} XXXX XXXX XXXX ( Account ending XXXX ) Charge-XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account ending XXXX ) Charge-Off XXXX  XXXX- Collections Account ; XXXX XXXX XXXX Account ; XXXX & XXXX Collections Account ; Each of the above accounts is inaccurate, unverifiable, or incomplete and should be deleted from my credit report under the Fair Credit Reporting Act. 

Disputed Hard Inquiries Certified Credit Reporters XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX These inquiries were not authorized by me and should be removed from my credit reports immediately. 

I have attached copies of my identification and proof of address for verification. Please ensure Transunion, Experian and Equifax complete a thorough reinvestigation and provide written confirmation of all deletions or corrections within the required XXXX timeframe. 

Thank you for your prompt attention and compliance with the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX DOB : XX/XX/year> SSN : 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 2025-11-08 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: TX

Complaint narrative:
Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/year> SSN : XXXX Credit Bureaus Involved : Transunion XXXX Experian and Equifax XXXX Subject : Request for Investigation and Removal of Inaccurate or Unverifiable Information Under the Fair Credit Reporting Act Dear Consumer Financial Protection Bureau , I am submitting this formal complaint regarding inaccurate, incomplete, and unverifiable information being reported by Transunion, Experian and Equifax on my credit file. These items are negatively affecting my creditworthiness and may be in violation of the Fair Credit Reporting Act ( FCRA ). 

Under Sections 602A, 607 ( b ), and 611 of the FCRA, I am requesting a full reinvestigation of each of the negative and inquiry items listed below. I also request that any item that can not be fully verified be deleted immediately from my credit report. 

Disputed Accounts WebBank / XXXX XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account ending XXXX ) Past XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Account ending XXXX ) Charge-Off XXXX XXXX XXXX XXXX XXXX Account ending XXXX ) Charge-Off Applied Bank ( Account ending XXXX ) Charge-Off XXXX  XXXX XXXX Charge-Off / Repossession XXXX XXXX XXXX ( Account ending XXXX ) Charge-Off {$55000.00} XXXX XXXX XXXX  ( Account ending XXXX ) Charge-Off {$29000.00} XXXX XXXX XXXX ( Account ending XXXX ) Charge-XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account ending XXXX ) Charge-Off XXXX  XXXX- Collections Account ; XXXX XXXX XXXX Account ; XXXX & XXXX Collections Account ; Each of the above accounts is inaccurate, unverifiable, or incomplete and should be deleted from my credit report under the Fair Credit Reporting Act. 

Disputed Hard Inquiries Certified Credit Reporters XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX These inquiries were not authorized by me and should be removed from my credit reports immediately. 

I have attached copies of my identification and proof of address for verification. Please ensure Transunion, Experian and Equifax complete a thorough reinvestigation and provide written confirmation of all deletions or corrections within the required XXXX timeframe. 

Thank you for your prompt attention and compliance with the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX DOB : XX/XX/year> SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This complaint concerns an unjustified and unsupported debt collection claim related to a former residence at XXXX XXXX. 

Between XXXX and XXXX of this year, I repeatedly contacted XXXX XXXXXXXX management to request documentation and clarification regarding charges they claimed I owed upon move-out. Despite multiple written requests, the information provided was vague, incomplete, and failed to justify any portion of the claimed balance. The management did not provide itemized documentation, clear explanations, or evidence that these charges were valid under the terms of my lease. 

Without ever providing sufficient information or resolving my dispute, XXXX XXXX improperly and prematurely forwarded the alleged debt to a third-party collection agency, XXXX XXXX XXXX XXXX 

On XX/XX/XXXX, XXXX XXXX XXXX contacted me by phone to collect on this alleged debt. During the call, I requested detailed information explaining why I was being charged. The representative was unable to provide any documentation or verification of the debt. 

That same day, XX/XX/XXXX, I formally disputed the validity of the alleged debt in writing via email to XXXX XXXX XXXX. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I requested full written validation, including : The total amount allegedly owed and a clear explanation of how it was calculated The name of the original creditor Copies of any agreements or lease documents showing I am legally responsible for the charges An itemized list of all alleged charges or deductions Documentation showing that the debt was legally assigned to or purchased by XXXX XXXX XXXX To date, XXXX XXXX XXXX has failed to respond or provide any documentation whatsoever. Their continued lack of response violates my right to receive validation under the FDCPA and underscores that this collection attempt is unjustified, unsubstantiated, and improper. 

The charges claimed by XXXX XXXXXXXX were never adequately explained, supported, or verified, and there is no basis for them to have been sent to collections. Therefore, I maintain that this alleged debt is entirely unjustified, lacks any legal or factual foundation, and should be withdrawn immediately. 

I respectfully request that all collection activity be suspended and that any related credit reporting be removed until proper validation is provided in compliance with federal law.

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 2025-11-08 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: FIRST NATIONAL BANK OF OMAHA
State: MN

Complaint narrative:
We have raised 3 disputes with FNBO, all pertaining to refunds for legal fees for bad attorneys who did not complete the work they were hired to do. 
Each firm was appropriately addressed prior to the dispute being flagged, and all understood they had failed to do their jobs. 
-- -- Persuant to MN Court Rules : Professional Rules - XXXX " Fees '' : -Law firms must offer and allow refunds. 
-Law firms can not prevent refunds. 
-Refunds must be given for incomplete work. 
-The complainant does not need to hire a professional to testify on the deviation of standard procedures to achieve a refund. 
-- -- The fourth point is our main issues. 
Here is the request for more info FNBO sent us : - '' Please provide documentation from an expert or professional ( on their business letterhead, with a business card attached, or validated by other information demonstrating that the opinion expressed is that of an expert ) that supports the dispute about the level of quality or misrepresentation of service completed. 
-Please include a copy of your receipt or any documentation stating the terms of your agreement. 
-Please include any additional supporting documentation including email communications. '' -- -- The first point goes against the state laws in Minnesota, federal laws, and laws in every state. 
We are not required to provide documentation/ testimony from an expert/professional just to get a refund. 
The only time statements from experts are needed is in a court hearing. 
This is not a court hearing. 
Card providers are meant to make dispute decisions based on the evidence provided. 
This in itself is unusual and excessive. 

We have provided the direct webpage for MN court rules : professional rule - XXXX " Fees ''. 
FNBO has not responded directly to that, stating that it is inadequate. 
We have provided statements from each firm either showing they didn't do the work right, that they illegally have no refund policy, or that they also were okay with a refund/ credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX  : XXXXXXXX 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 2025-11-08 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:
I made a purchase with my debit card from the issued by my banking institution for an event ( XXXX ). The event was cancelled, and I was informed I could request a refund. I requested the refund and never received the promised refund from the vendor, I then contacted my banking institution to dispute the charges. I opened several disputes and provided more than sufficient documentation proving that the event was cancelled, I was due a refund, and my banking institution, could see that I was due a refund, provided me a provisional credit, however later denied my my dispute claim and revoked my provisional credit leaving my account overdrawn. This has affect my credit profile, credit score, and bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: MI

Complaint narrative:
My card was used on a gambling site XXXX XXXX which I do have an account with. I recently started having my VA XXXX check deposited through a banking app called Current. I filed disputes claiming the transactions were not authorized and they refuse to do anything to help. The transactions totaled {$3600.00} and I am facing extreme financial hardship now because of the fraud they have allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc.
State: AZ

Complaint narrative:
Central Portfolio Control XXXX Inc. ( CPC ) reported a new medical collection account to XX/XX/XXXXand XXXX  in XX/XX/year> without ever contacting me or sending a written notice of the debt. I never received an itemized bill, validation letter, or any communication before the account appeared on my credit reports. 



The alleged debt is associated with XXXX XXXX XXXX Arizona XXXX XXXX. However, this same account was previously placed with XXXX XXXX XXXX and deleted from all credit reports in XX/XX/year> after I disputed it. XXXX confirmed through the XXXX XXXX XXXX that the account was cancelled back to XXXX XXXX on XX/XX/year>. 

CPC has now re-reported the same debt with a new open date, creating the false impression of a new collection account. This re-aging and re-reporting occurred without any validation, billing, or notice, in violation of the Fair Debt Collection Practices Act ( XXXX U.S.C. XXXX ) and the Fair Credit Reporting Act ( XXXX U.S.C. XXXX ). 

This duplicate and unvalidated reporting has caused credit score damage and emotional distress. I have already mailed a written dispute to CPC, but they continue to report without providing verification or documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: LAW OFFICE OF HALL AND ASSOCIATES
State: AL

Complaint narrative:
I am filing this complaint regarding an invalid and improperly notarized judgement connected to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Tennessee Case Number XXXX XXXX XXXX. 

The responding law firm stated that an agreed judgement was entered on XX/XX/year>, but I was never present in court, never signed any agreement, and there is no valid notarization on the filed document. The Notary Public section is blank where it should include the commission expiration and seal, proving that it was never officially notarized in accordance with Tennessee law. 

Therefore, the document itself is invalid, improperly executed, and potentially falsified. The firms response acknowledges a judgment but can not lawfully substantiate my agreement or appearance. 

I am requesting that the CFPB ensure this matter is properly addressed and that this record be formally recognized as invalid and non-existent due to forgery, lack of due process, and violation of notarial procedure. 

Additionally, any data furnishers or background reporting agencies ( XXXX, XXXX, etc. ) should be notified to cease reporting of this entry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation