vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: VA

Complaint narrative:
I submitted formal written disputes to the credit reporting agencies regarding multiple inaccurate, incomplete, and unverifiable items appearing on my credit reports. These include charge-offs, collections, late payments, and unauthorized hard inquiries. I provided identification, proof of address, and detailed dispute letters.

Despite providing complete documentation, the credit bureaus have continued to report information that is inaccurate, not fully verified, or improperly validated. Several of the disputed accounts contain incorrect payment histories, inconsistent dates, and missing documentation. Some items were verified without the credit bureaus providing any proof or method of verification, which violates FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

In addition, certain student loan late payments were reported during periods covered by the federal CARES Act protections, during which federal servicers were prohibited from reporting delinquencies. Reporting late payments during that period violates both federal law and FCRA accuracy requirements ( FCRA 607 ( b ) ).

Several hard inquiries also appear on my reports without my authorization or permissible purpose, violating FCRA 604 ( a ) ( 2 ). I requested verification, but no documentation or signed application has been provided.

I am asking the CFPB to require the credit bureaus to : 1. Conduct a complete and lawful reinvestigation of all disputed items, 2. Provide documentation used to verify the accuracy of each item, and 3. Permanently delete any information that can not be fully verified according to the requirements of FCRA 611 ( a ) ( 5 ) ( A ).

This inaccurate and unverified reporting has resulted in repeated denials for housing and has caused significant harm. I am requesting CFPB intervention to ensure full legal compliance and correction of my consumer reports.

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 2025-12-02 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: MS

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BALANCE {$500.00}, XXXX XXXXXXXX XXXX XXXX  BALANCE : {$0.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are result of identity theft and fraud.

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 2025-12-02 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: FL

Complaint narrative:
I contacted XXXX customer service on XX/XX/year> about disabling my XXXX Authentication from my account so that I can withdraw my cash account of {$1200.00} back to my Bank Account or to give me the lost XXXX code so that I can disable it myself. I was told that they are escalating the issue to get resolved. This never happened. Everyday until now XX/XX/year> I have been told the same thing about they are working on it and they will get back with me. This never happened but instead I have been giving the same excuses. All I need is to disable the XXXX on my account. How hard is this? I need this matter solved ASAP. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: NY

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 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 2025-12-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: MO

Complaint narrative:
Every time I try to order my cash app card it tells me 'an unexpected error occurred ' and to do this I guess

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: Payactiv, Inc.
State: OH

Complaint narrative:
Payactiv sent me the following offer on XX/XX/year> " A XXXX Thank You- With {$20.00} for You This season, XXXX COUNTY LIBRARY is partnering with XXXX to help you access your earnings when you need them most. 
With Pay On Demand, offered as a XXXX XXXX, you can access a portion of your earned wages before payday - just in time for XXXX expenses. 
Enroll and complete your first Pay On Demand transaction by XX/XX/year>, to receive a {$20.00} bonus1. 
Turn on Pay On Demand in the XXXX XXXX app and enjoy extra peace of mind this holiday. 

Offer valid from XX/XX/year>, XXXX XXXX. PT to XX/XX/year>, XXXX XXXX. XXXX. Bonus funds will appear in your linked account within 7 days of your first Pay On Demand transaction. Availability of specific transaction methods may vary based on employer participation and user eligibility. Payactiv reserves the right to modify or cancel this offer at any time without notice '' I completed a transaction on XX/XX/year>. No bonus was paid withing the 7 days, so I contacted Payactiv on XX/XX/XXXX and again on XX/XX/XXXX. I have only received boilerplate responses of : " Hi, Thank you for contacting Payactiv. 

We're sorry for any inconvenience this may have caused. 

We have forwarded your case to our escalations department. Our team is dedicated to resolving this matter as quickly and efficiently as possible. Your case reference number is # XXXX. 

We appreciate your patience while we work on it. If there's anything else we can assist with in the meantime, please don't hesitate to reach out. '' and on the XXXX " Hi, Thank you for contacting Payactiv. 

Please accept our sincerest apologies for the inconvenience caused. Due to the complex nature of this particular issue, and the need for comprehensive analysis, the time to provide a resolution for such cases can extend beyond our standard resolution time. 

While we always strive to expedite matters as much as possible, it's important to note that the resolution timeline for technical cases of this nature might take longer than usual. 

As soon as our team has an update, they will reach out to follow up with you. 

We appreciate your patience and understanding. 

Regards, Payactiv '' The bonus offer is fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: First Technology Federal Credit Union
State: NY

Complaint narrative:
I am disputing First Tech Federal Credit Unions denial of my fraud claim involving a {$12000.00} unauthorized check issued from my account on XX/XX/XXXX. The denial is based on incorrect statements and demonstrably false information provided by FTFCU. I am requesting that this case be reopened due to multiple procedural errors and inconsistencies in their investigation. 

1. I deposited {$12000.00} in cash on XX/XX/XXXX at a shared branch. 
I have receipts showing two cash deposits : {$10000.00} and {$2500.00}. 
These were cash deposits only. 
No checks were deposited. 
The funds were legitimate and physically handed to the teller. 

2. On XX/XX/XXXX, an unauthorized check for {$12000.00} was issued from my account to a third party. 
I did not authorize this check, did not benefit from it, and had no involvement with the payee. 

3. I immediately cooperated with XXXX, and I submitted the notarized Affidavit of Unauthorized Issuance of Check on XX/XX/XXXX. 
FTFCU told the CFPB that I did not submit a completed affidavit, which is false. 
The affidavit is notarized, dated, and signed. 
I am attaching it here as proof. 

4. FTFCU restricted my account for suspected fraud on XX/XX/XXXX. 
This shows they agreed fraud occurred, but they still refused to reimburse me. 

5. FTFCU denied my claim based on reasons that contradict their own records. 
Their explanation to the CFPB does not align with the actual timeline or the documentation. 

False Statement # 1 : You did not submit an affidavit. 

This is demonstrably false. 
I submitted the notarized affidavit on XX/XX/XXXX. 
FTFCU acknowledged receiving documents. 
I am attaching the affidavit to this complaint. 


False Statement # 2 : FTFCU told me the deposits bounced because of a shared branch check. 

This is also false. 
I never deposited a check. 
I deposited cash only ( receipts attached ). 
FTFCUs explanation to me and their explanation to the CFPB are completely different. 

This inconsistency raises serious concerns about the integrity of their investigation. 

FTFCU gave two different stories depending on the audience : To me : They blamed a supposed shared branch deposit issue, even though the deposits were cash. 

To the CFPB : They claimed I never submitted the affidavit, which is objectively untrue. 

Both explanations are false and contradict documented evidence. 


7. FTFCU failed to conduct a reasonable investigation. 

A proper investigation would have verified : The deposit receipts ( cash only ) The affidavit submission The unauthorized nature of the check The timeline of account restriction The signature mismatch and check fraud pattern Instead, FTFCU provided inaccurate, contradictory explanations and ultimately denied the claim without valid basis.

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 2025-12-02 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: AL

Complaint narrative:
I am a consumer submitting this complaint regarding inaccurate and/or unverifiable information being reported on my credit reports with the three major credit bureaus. I am requesting a reinvestigation and removal or correction of the items listed below that I believe are being reported in error or do not comply with the Fair Credit Reporting Act ( FCRA ). 


XXXX Accounts XXXX Account # XXXX Reported XX/XX/XXXX XXXX {$13000.00} This account is being reported inaccurately. Please verify full account details, date of charge-off, and amount owed. If not verifiable, please remove it from my report. 

XXXX XXXX Account # XXXX Reported XX/XX/XXXX Balance {$4100.00} This account appears to be reported incorrectly. Please confirm the accuracy of this entry and remove it if it can not be verified. 

XXXX Account # XXXX Reported XX/XX/XXXX XXXX {$0.00} This account shows a {$0.00} balance but is still listed as charged off. Please correct or delete this entry. 

XXXX Account # XXXX Reported XX/XX/XXXX XXXX {$1300.00} This charge-off appears inaccurate. Please verify with the original creditor and remove if unverifiable. 

Inquiries XXXX XX/XX/XXXX ALABAMA XX/XX/XXXX These inquiries appear unauthorized. Please investigate and remove any that can not be verified as initiated by me. 

Late Payments XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  Account # XXXX Please review and confirm these late payment notations. I am requesting correction if the reported delinquencies are inaccurate or incomplete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: LA

Complaint narrative:
I am disputing the following accounts on my TransUnion credit report : Charged-Off Accounts TU : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$220.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$96.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$310.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$190.00} Inquiries TU : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX Late Payments TU : XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: LA

Complaint narrative:
I am disputing the following accounts on my Experian credit report : Charged-Off Accounts EX : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$220.00} XXXXL Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$96.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$310.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$190.00} Late Payments EX : XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
On XX/XX/XXXX, I contacted U.S. Bank, via their web chat function, to close a business checking account ( last four digits : XXXX ). The U.S. Bank 's agent provided an explicit guarantee during the chat that this closure would have no fees, no penalties, and no impact on any other accounts. 

Two days later, on XX/XX/XXXX, I discovered the U.S. Bank XXXX XXXX XXXX credit card ( last four digits : XXXX ) had been unilaterally closed without any prior notification, which directly contradicts the agent 's representation. I discovered the closure only when the card disappeared from my XXXX XXXX XXXX. 

This unauthorized action resulted in the loss of access to my entire earned rewards balance, which included the New Account Bonus of XXXX points ( confirmed by the bank in an email dated XX/XX/year> ) and any subsequent points earned from card usage, plus a pending {$25.00} statement credit. I was not notified nor given an opportunity to redeem these points before the unannounced ( and unauthorized ) closure. 

Beginning XX/XX/XXXX, I initiated a protracted resolution process via the bank 's XXXX XXXX XXXX ( SMA ) team ( see attached documentation ). The bank acknowledged the concern, noting the card closure " was not part of your initial request, '' but multiple attempts to connect via the SMA call-log failed over two weeks. This demonstrates a severe service recovery failure. 

This issue was finally escalated to the XXXX XXXX by XXXX XXXX, whom I spoke to on the phone, on XX/XX/XXXX ( approx. XXXXXXXX XXXX XXXX  ). This formal complaint serves as a necessary follow-up to that internal escalation. The core issue is the agent 's misrepresentation that led to an avoidable financial injury, compounded by the bank 's inability to correct its own error quickly and efficiently.

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 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: CA

Complaint narrative:
I am filing this complaint because all three credit bureaus are reporting information that is inaccurate, inconsistent, outdated, or can not be verified. I am requesting a full and lawful reinvestigation under the FCRA. Any item that can not be verified with proper documentation should be corrected or deleted. 
Charged-Off Accounts in Dispute I am disputing these accounts because the reporting does not match XXXX and XXXX, XXXX balances appear incorrect, and some entries may be outdated or unverifiable : XXXX XXXX XXXX XXXX {$0.00} XXXX  ( all accounts listed above with the same account numbers and balances ) XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX {$0.00} XXXX  XXXX {$0.00} XXXXT XXXX {$41000.00} XXXX XXXX XXXX {$650.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$45.00} XXXX XXXX {$190.00} XXXX XXXX {$600.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$76.00} XXXX XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX {$860.00} XXXX XXXX  XXXX same four XXXX accounts as above ) XXXX XXXX XXXX {$530.00} XXXX XXXX ( multiple XXXX : XXXX {$700.00} XXXX {$0.00} XXXX {$0.00} XXXX {$490.00} XXXX XXXX {$0.00} Bankruptcy XXXX {$0.00} Inquiries in Dispute These inquiries appear unauthorized or lack permissible purpose : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I request documentation or removal.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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