vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Coast2Coast Mortgage, LLC
State: IL

Complaint narrative:
I applied for a home long on XX/XX/year> and it was rejected on XX/XX/year>. My credit score was XXXX, no errors in my credit report. All of my bills has been paid on time with nothing bad at all on my credit report. I turned in all paperwork that was requested from me. I paid {$2000.00} in fees for inspection of the home and Earnest Money. I had no problems or given any problems because I was told there were no problem with my loan being approved. My downpayment and interest rate kept being changed, and that was no problem to me. My bank statement was turned in, so the loan company could see the downpayment was not a problem either. After my loan agreement was denied and closed, the loan company refused to refund my Earnest Money. I went as far as the loan company thought I could do to get approved. I had no problems in my credit report and legal monthly pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Hello! In XX/XX/2025 I purchased 4 dresses from Macy 's online. None of them fit and I returned them on XX/XX/XXXX before the billing due date of XX/XX/XXXX. At that point, my credit card should have a XXXX balance so I did not make a payment. On XX/XX/XXXX I received a call I didn't pay my bill. I explained it should be a XXXX balance but they said since i purchased new items on XX/XX/XXXX I still had to make a payment of {$65.00} by XX/XX/XXXX and it was now late. I've never experienced having to pay for new items not on the card statement but immediately made the {$65.00} payment. However, Macy 's reported my payment 30 days late to XXXX  I called Macys when I received this update and they agreed it was not 30 days late and would correct it. It was never corrected. I then disputed this 3 times through XXXX  and each time they told me my account was accurate and it was 30 days late. To call Macy 's credit line again is a 90 minute wait -- I've tried 2 more times and can't get through. On XX/XX/XXXX I called XXXX  and spoke to the special handling department. I let them know I submitted documentation of payment for each dispute to confirm it was less than 30 days after the due date. They reviewed this and told me they would manually update it within 24 hours. I did not see this and on XX/XX/XXXX called the Special Handling Dept again. They told me there is no update to my account and they can't make a change. If I can't reach Macy 's and XXXX  won't help me can I get my credit report fixed?!! This is unacceptable -- I have excellent credit and this is negatively affecting me. The first issue is having to make a payment for items purchased on XX/XX/XXXX that were not on the XXXX statement that was due XX/XX/XXXX. The second issue is reporting my payment 30 days late when it was not. Please help to get this fixed and removed from my report! Thank you, 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 non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: ID

Complaint narrative:
For the past two months, I have been contacted repeatedly by Radius Global Solutions regarding an alleged debt originating from XXXX XXXX for XXXX XXXX. I previously paid my final bill to XXXX and had my service disconnected. Despite multiple requests, Radius Global Solutions has failed to provide validation of this debt. Furthermore, representatives from Radius Global Solutions have made repeated threats to damage my credit rating. This account has been erroneously reported to all three major credit bureaus despite my requests for debt verification.

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 2025-08-06 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  SC XXXX INQUIRIES : XXXX  Date : XX/XX/year>

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 2025-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
The promotional offer for the credit card clearly states : " Ready. Set. Earn Points. 1 point per {$1.00} when you buy + 1 point per {$1.00} as you pay. '' Based on this, I reasonably expected to earn points on both my purchases and payments. However, after making a {$15000.00} payment, I did not receive the corresponding points. When I contacted Citibank customer service, I was informed that the payment did not qualify because I had not made {$15000.00} worth of purchases within the same monthan important restriction that was never disclosed in the promotional language. This lack of transparency is misleading and unfair to consumers.

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 2025-08-06 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: NV

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
am filing this complaint against XXXX for what I believe to be a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and potentially the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692. 

I recently switched carriers from XXXX. Prior to this, I had paid off my devices in full. However, XXXX continued to report a balance/account on my credit report after my service ended and despite my devices being fully paid. 

I have disputed this account with XXXX under my rights provided by FCRA 611 ( 15 U.S.C. 1681i ), which entitles consumers to dispute inaccurate or incomplete information on their credit reports. The disputed item still appears, which suggests that XXXX  has either failed to conduct a reasonable investigation or continues to report inaccurate information in violation of FCRA 623 ( 15 U.S.C. 1681s-2 ), which outlines the responsibilities of data furnishers. 

I am requesting the FTC investigate this matter as a potential unfair or deceptive practice under Section XXXX of the Federal Trade Commission Act ( 15 U.S.C. 45 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian,XX/XX/XXXXcredit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according t

o 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treat
ment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-06 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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

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 2025-08-06 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Exto Inc.
State: PA

Complaint narrative:
I received a payment from XXXX in to my Atlas credit account roughly 2 weeks ago and they locked the account for verification. I sent my ID and was told I would be updated in 8 hours. Between 3 and 4 days later, I finally got a request to send more documents proving the deposit. I sent screenshots with my business name, screenshots of the deposits directly from the merchant app, and my name in the app. I was informed because my full name wasnt in the app, which I did not develop to do so, and proof of the source of the funds, which I assume they mean from the customers I had, which I have no way of receiving.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
On XX/XX/year> at XXXX I received an email from Cash App saying that I withdrawal {$4700.00} to a XXXX XXXX  from XXXX XXXX XXXX XXXX XXXX XXXX. I email them immediately for a claim. They request documentation and said they will email me back with a response. I have never had an account at XXXX XXXX XXXXXXXX or own a card ending in XXXX. They took all my money and I put in a complain and they said on email on XX/XX/year> that I authorized the transaction and that the claim was closed. there is no external cards or bank accounts linked to my Cash App. They took all the money I had there. I haven't even pay my rent because That's where I keep my money. that's where my employers direct deposit comes too. I want this resolved. I am a hard working person that trusted this platform to keep my money, since I do not even own a bank Acct. Please help me recuperate my money. 
I will also be filling a police report. 
I will appreciate anything you can do to help. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX, VA XXXX Re : Cease and Desist Communication Regarding Alleged Debts Portfolio Recovery Associates Account Numbers : - XXXX - XXXX - XXXX To Whom It May Concern : I am writing under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) to formally request that Portfolio Recovery Associates cease all communication with me regarding the above-referenced accounts. 
Under this law, once you receive this written notice, you are no longer permitted to contact me, except to inform me that : 1. You are terminating communication, or Page 1 Cease and Desist Letter - FDCPA 15 U.S.C. 1692c 2. You intend to take specific legal action. 
Please be advised that any further communication from your company, except as outlined above, will be considered a violation of federal law and will be reported to the appropriate authorities, including the Consumer Financial Protection Bureau ( CFPB ) and my state attorney general 's office. 
I also request that you do not contact any third parties, including my employer, family members, or neighbors, in relation to this matter. 
Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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 you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX  TransUnion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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