vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
On [ insert date ], I sent a notarized written dispute to Experian Information Solutions , Inc., via certified mail with return receipt. This dispute included : My full legal name, date of birth, and Social Security number Government-issued photo ID Proof of current address Original notarized signature Specific itemized disputes under FCRA XXXX XXXX including account name, account number, balance, date opened, and Date of First Delinquency XXXX XXXX XXXX delivery to Experian. 

On XX/XX/year>, I received an email from Experian stating they would not take any action on my dispute because it does not appear to have been sent directly by you. This refusal is unlawful. 

Violations : FCRA XXXX ( a ) ( XXXX ) ( A ) : Requires consumer reporting agencies to reinvestigate disputed items within 30 days upon receiving notice from the consumer. 

XXXX CFR XXXX : Allows CRAs to require reasonable proof of identity but prohibits refusal based solely on the method of mailing. My dispute contained more than sufficient identifying information. 

FCRA XXXX ( a ) ( XXXX ) : Requires CRAs to forward all relevant information to the furnisher. Experian refused to process the dispute at all. 

XXXX XXXX XXXX v. Experian ( S.D. Ohio, XXXX. XXXX ) : Held that CRAs may not reject a dispute solely because it was mailed via a third party. 

Requested Enforcement Action : Given Experians willful refusal to comply with its statutory duties despite receiving a notarized dispute with full identity verification, I request that the CFPB treat this as a pattern and practice violation under the Fair Credit Reporting Act. I ask that the XXXX initiate compliance monitoring and consider civil penalties against Experian to deter future violations affecting other consumers. 

Attachments provided : Copy of notarized dispute letter sent to Experian Proof of certified mail delivery XXXX email refusing to investigate

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 2025-08-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I received {$510.00} in XXXX on Venmo XXXX. I attempted to transfer it to another stock/wallet I owned. I contacted Venmo support and stated that it was due to security purposes. They said I could then sell it. When I sold feed were taken out and I was not credited the amount. This hold was then placed for XXXX  days, I have had this problem in the past as well. The funds were under review and Venmo XXXX support stated they could not do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: CA

Complaint narrative:
Transunion has failed to fix errors and identity theft on my report. I began reporting over a year ago. Under the Fair Credit Reporting Act ( FCRA ) 609 ( a ), I am requesting that you provide the complete method of verification, including : The original charge-off amount with itemized accounting If you can not produce legally verifiable documentation from the original creditor proving this account is accurate and lawfully reported, then under FCRA 611 ( a ) ( 5 ) you must immediately delete this item from my credit report. This account as reported is inaccurate because : The dates reported are inconsistent and unverifiable Please note that reporting unverifiable or inaccurate information is a violation of the FCRA and can subject you to civil liability. If this account is not deleted, I will escalate by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General. You are required to complete your investigation within 30 days of receipt of this letter and to send me written confirmation of the results. Also under 15 US Code 1692 Transunion did not validate all inquiries ( all are fraud ), nor the collections ( all fraud ), nor the charge offs. I request deletion from all burueas.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Transunion has failed to fix errors and identity theft on my report. I began reporting over a year ago. Under the Fair Credit Reporting Act ( FCRA ) 609 ( a ), I am requesting that you provide the complete method of verification, including : The original charge-off amount with itemized accounting If you can not produce legally verifiable documentation from the original creditor proving this account is accurate and lawfully reported, then under FCRA 611 ( a ) ( 5 ) you must immediately delete this item from my credit report. This account as reported is inaccurate because : The dates reported are inconsistent and unverifiable Please note that reporting unverifiable or inaccurate information is a violation of the FCRA and can subject you to civil liability. If this account is not deleted, I will escalate by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General. You are required to complete your investigation within 30 days of receipt of this letter and to send me written confirmation of the results. Also under 15 US Code 1692 Transunion did not validate all inquiries ( all are fraud ), nor the collections ( all fraud ), nor the charge offs. I request deletion from all burueas.

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 2025-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
On my credit reports, Navy Federal Credit Union is reporting account # XXXX as a {$12000.00} charge-off with {$12000.00} past due as of XX/XX/year>. This reporting is inaccurate, misleading, and unverifiable for the following reasons : XXXX. Double Reporting of Delinquencies PostCharge-Off : The account shows multiple months of late payments after the date it was charged off, which constitutes duplicate derogatory reporting and misrepresents the true status of the account. 
XXXX. Inaccurate Amounts : Under FCRA XXXX ( a ) ( XXXX ) and FDCPA XXXX ( XXXX ) ( A ), a furnisher may not report information they know or should know is inaccurate. The past-due balance is being reported as the full charged-off amount, which is misleading and does not reflect accurate accounting. 
XXXX. Lack of Proper Validation : Under FCRA XXXX ( a ), I have the right to dispute any item, and the furnisher must investigate and provide verification. Navy Federal has not provided the original signed agreement, complete payment history, or any documentation validating the accuracy of the reported amount and dates. 
XXXX. Harm to Creditworthiness : This inaccurate reporting materially impacts my credit profile, affecting my ability to obtain credit on fair terms. 

Requested Resolution : I am requesting immediate deletion of this account from all credit reporting agencies, or, at minimum, correction to reflect accurate amounts and dates with all duplicate late payment entries removed. If the furnisher can not fully validate the account with complete documentation within the required timeframe, it mustbedeleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: KS

Complaint narrative:
I received a {$50.00} gift card. The sticker on the front covers the 16 digit number. You must go online or call to activate the card. I tried but they said it has a XXXX balance and the card is used. How is this possible? And, this is the third time this has happened with this gift card supplier. I have recommended against using these to my family, friends, and colleagues. This type of scam on American consumers should be illegal.

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 2025-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On XX/XX/XXXX and XXXX, XXXX, Goldman Sachs ( Apple Card ) attempted XXXX unauthorized payment withdrawals from my XXXX XXXX account in the amounts of {$20.00}, {$50.00}, and {$150.00}. I did not authorize or schedule these payments, and I do not have AutoPay enabled ( which they confirmed ). 

When I contacted Apple Card support through secure messaging, they confirmed in writing that the payments were unauthorized and not scheduled by me or any agent. Despite acknowledging this, they refused to assist me further in writing and repeatedly told me to call, even after I clearly explained that I could not use the phone for accessibility reasons and required resolution in writing for privacy, documentation, and legal protection. Instead, they suggested I bring a family member to speak on my behalf, which is inappropriate and discriminatory. 

This refusal created a coercive and punitive situation where I was denied equal access to dispute resolution unless I complied with an inaccessible process. This raises serious concerns under the Americans with Disabilities Act ( ADA ). It also represents a potential violation of the Electronic Funds Transfer Act ( EFTA ), which prohibits initiating electronic transfers without explicit, documented consent. 

The unauthorized payment attempts were fragmented into smaller amounts, which resembles debt-collection payment scraping behavior and raises concern about a broader systemic issue impacting other customers. During this time, my account was blocked, I had no access to my available credit, and interest charges continued, despite the fact that this situation arose entirely from the companys own error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: AZ

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only XXXX week remaining to finalize my home purchase. Equifaxs refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and Equifaxs stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I have received my most current credit report for this year and I have found many irregularities. One with addresses that aren't mine and companies that I have not requested my credit to be pulled. 

Have Hard inquires from the following companies : Two from Ally Financial both dated XX/XX/year> - Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX I have called this agency and I am just shuffled around and not sent to someone who could help me One from XXXX  dated XX/XX/year> - XXXX XXXX XXXX XXXX XXXX, SD XXXX I have called the agency and they say that they can not locate an inquiry with my details XXXX from XXXX dated XX/XX/year> - XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, SD XXXX I have called the agency and they can't locate an inquiry under my name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: FL

Complaint narrative:
Someone. 
Hacked into my Cash App account. Yeah, alert it Cash App. They has locked my account with my remaining funds and does not want to retrieve. Don't want me to retrieve my first. 
I have tried to get my funds back with them for the last XXXX XXXX It has been difficult.Someone had my account cash out.Lock my account and now they're giving me a real difficult time to collect.The remaining cash that's on my Cash App.Could you please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: NY

Complaint narrative:
I notified Equifax about a fraudulent/ error XXXX account reporting on my credit report. Equifax stated the the account is not reporting on my credit report but it still is

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding an alleged collection account reported on my credit file and/or pursued by XXXX XXXX XXXX I believe the debt is inaccurate, unverified, and is being collected and reported in violation of my rights under federal law. 

Background : Collection agency : Credit Systems Inter Original creditor : XXXX XXXX Account number ( if known ) : XXXX Date first reported : XX/XX/year> Legal Basis for My Dispute : Fair Debt Collection Practices Act ( FDCPA ) XXXX U.S.C. XXXX ( a ) & ( b ) Upon receiving notice of the alleged debt, I timely disputed it in writing and requested full validation, including : Proof of the debts amount ; Name of the original creditor ; A copy of any judgment ( if applicable ) ; A complete payment history and itemized accounting ; A copy of the original signed contract or agreement. 

The collector has not provided the required verification but has continued collection efforts, in violation of XXXX U.S.C. XXXX ( b ). 

Fair Debt Collection Practices Act XXXX U.S.C. XXXX ( XXXX ) Despite knowing the debt is disputed, the collector continues to report it to credit bureaus without noting it as disputed, which constitutes furnishing false, deceptive, or misleading information. 

Fair Credit Reporting Act ( FCRA ) XXXX U.S.C. XXXX ( a ) I have disputed this account with the credit reporting agencies, yet it remains on my credit file without proper reinvestigation or evidence, in violation of the FCRAs requirement for a reasonable investigation. 

Fair Credit Reporting Act XXXX U.S.C. XXXX ( b ) The furnisher of this debt has failed to conduct a proper investigation after being notified of my dispute by the credit bureaus, and continues to report inaccurate and unverified information. 

Requested Resolution : I request that the CFPB investigate this matter and take appropriate enforcement action to ensure that : The collector provides full validation as required by law, or immediately ceases all collection activity. 

The collection account is deleted from my credit reports if it can not be verified. 

The collector and/or furnisher correct all violations and mark the account as disputed, as required under federal law. 

Enclosed are copies of my prior dispute letters, any responses received, and relevant documentation showing the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-10 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: VA

Complaint narrative:
I am a victim of identity theft. I recently discovered that my personal information has been used without my authorization to open fraudulent accounts and apply for services, including IT related services and other financial and accounts that I did not initiate.Upon reviewing my credit reports, I found multiple unauthorized inquiries that I did not recognize. After further investigation, I confirmed that my personal information was exposed in both the XXXX  data breach and the XXXX  data breach. These incidents released critical data such as my name, Social Security number, and date of birth making me vulnerable to identity theft.To formally address this, I have : Filed an Identity Theft Report with the appropriate law enforcement agency, Notified the credit bureaus of the fraudulent activity, Requested that they block and remove all unauthorized information. 
Despite my efforts, the fraudulent accounts and inquiries remain on my credit report, negatively impacting my credit profile. 
Section 605B ( 15 U.S. Code 1681c2 ) Block of information resulting from identity theft : I have submitted a valid Identity Theft Report, and under this section, the credit reporting agencies are required to block fraudulent information within 4 business days of receiving my request and supporting documentation. 

Section 611 ( 15 U.S. Code 1681i ) Dispute procedures : I have disputed the inaccurate and unauthorized items on my credit reports. The credit bureaus must conduct a reasonable reinvestigation within 30 days and correct or delete any inaccurate, incomplete, or unverifiable information. 

Section 602 ( 15 U.S. Code 1681 ) Congressional findings and statement of purpose : The FCRA was enacted to ensure fair and accurate credit reporting and to protect consumers from the misuse of personal information. The continued reporting of fraudulent information violates the spirit and intent of the law. 
Attachments : Identity Theft Report ( Filed with FTC ) Government-issued photo ID

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 2025-08-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I never authorized anything therefore it should be removed immediately

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

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief