vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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:
Pursuant to XXXX XXXX. XXXX ( a ) ( XXXX ) and XXXX, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced account. Copies of copies are insufficient by law. 

Under FCRA XXXX ( a ) ( XXXX ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within XXXX calendar days of receipt of this letter, you must immediately delete the account from all credit reports. 

FCRA XXXX ( a ) ( XXXX ) ( A ) requires furnishers to promptly remove unverifiable information. Under XXXX ( XXXX XXXX. XXXX ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under XXXX exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ). 

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in XXXX dollar awards ( e.g., XXXX XXXXXXXX XXXX  $ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX. 
- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures. 
XXXXXXXX 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 2025-07-01 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: TX

Complaint narrative:
I recently obtained a copy of my credit report and found multiple accounts that are fraudulent. Please investigate and remove as this is hurting my ability to obtain credit. TransUnion Accounts XXXX XXXX XXXX and XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am currently unable to open a checking account due to an unresolved item reported by a financial institution. I attempted to resolve this issue around XX/XX/year> by contacting the bank directly. At the time, I was told the matter would be reviewed, but I never received a follow-up or any additional information. I made multiple calls and left voicemails but did not get a clear resolution. 

Since then, this negative report has remained on my record, preventing me from accessing basic banking services. I am simply trying to move forward and open a checking account, but this old unresolved issue continues to block me. I would appreciate any assistance in helping clear this matter up so that I can regain access to financial tools necessary for everyday lif

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Subject : Equifax falsely updated dispute now showing 60-day late after I proved on-time payment I previously filed a dispute through the CFPB regarding an inaccurately reported 30-day late payment with Equifax for the month of XX/XX/. I provided clear proof that the payment was made on time including a screenshot of the transaction. 

Equifax responded stating that the account had been updated to reflect paid as agreed with no late payments, and the CFPB marked the case closed with non-monetary relief. 

However, upon reviewing my updated Equifax report through myEquifax.com, I was shocked to find that the account now incorrectly shows a 60-day late payment for XX/XX/2024 a more severe and entirely false status. I have never been 60 days late on this account. This is not only inaccurate, it is worse than the original reporting and contradicts Equifaxs own statement to the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I took XXXX from my XXXX XXXX. I deposit in truist bank. ( Join account with my wife XXXX ) i sent to Citibank {$2500.00} with XXXX. On XX/XX/XXXX i sent $ XXXX the next day i sent a mobile check for XXXX to.our ciribank. Sure after this i noticed that i could use my citibank account i thought was for the bank XXXX. On XX/XX/XXXX i used my Citibank to pay my mortgage. Short after I notice that the Citibank account was canceled. I went to the bank they refused to tell me and explanation. Gave me a # which they keep transferring from XXXX place to another. They told me that they sent XXXX XXXX on XX/XX/XXXX which i have not received yet. We have been borrowing money etc. To cover our debt. 
XXXX XXXX XXXX XXXX did the same. And frost our business account. They own us more that XXXX Please help. I want to feel that someone is on my side and help.

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 monetary relief
Consumer complaint received 2025-07-01 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: NC

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
XX/XX/year> A woman representing Franklin Services repeatedly called me and used abusive language with me. When I repeatedly told her not to call me names or speak to me that way she eventually hung up. I then emailed where the representative ignored me pointing out their abuse

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: MA

Complaint narrative:
Since XXXX of 2023, I have been been disputing fraudulent accounts with TransUnion, Equifax and Experian both directly and via the CFPB online complaint portal. Despite providing all necessary information, each dispute was marked as verified. However, when I contacted the original creditors, they confirmed they never received any disputes from the credit bureaus. In other words, although the bureaus claimed to have conducted an investigation, the creditors were not involved in any investigation. This has been emotionally exhausting and financially damaging. I've been denied credit, faced higher interest rates or stricter loan terms, and feel powerless in trying to clear my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: MA

Complaint narrative:
Since XXXX of 2023, I have been been disputing fraudulent accounts with TransUnion, Equifax and Experian both directly and via the CFPB online complaint portal. Despite providing all necessary information, each dispute was marked as verified. However, when I contacted the original creditors, they confirmed they never received any disputes from the credit bureaus. In other words, although the bureaus claimed to have conducted an investigation, the creditors were not involved in any investigation. This has been emotionally exhausting and financially damaging. I've been denied credit, faced higher interest rates or stricter loan terms, and feel powerless in trying to clear my name.

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 2025-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
On or around XX/XX/XXXX, a {$65.00} charge from XXXX XXXX XXXX appeared on my Dillards Citibank credit card. I did not authorize this transaction, and I contacted Citibank immediately while the charge was still pending to report it as fraud. 
I was told by a customer service representative that the dispute was not processed and no record of my original report could be found. I have now had XXXX separate calls disconnected one after being on hold for over an hour, and another after I asked to speak to a supervisor. 
I have made multiple attempts to resolve this and simply want the unauthorized charge removed and to ensure no interest or late fees are added to my account while this is pending. I have now filed a formal written dispute per the Fair Credit Billing Act but have received no follow-up or resolution from Citibank

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 2025-07-01 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: TX

Complaint narrative:
I am writing to formally dispute the collection account currently listed on my credit report. This account is unfamiliar to me and appears to have been reported without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: SC

Complaint narrative:
I learned of XXXX mysterious student loans dating back to 2009 totaling $ XXXX on my credit report. The credit bureaus couldn't help me so I contacted XXXX. After several attempts to find these loans via my SS number, they eventually found them using some other personal information. They showed me as endorser of XXXXXXXX XXXX XXXXXXXX loans. I asked who the original borrower is and the full account number for these loans, but they refused to divulge this info, leaving me little to work with. 
How can I investigate further without this pertinent info? Isn't it my right to know this? I assume these loans are fraudulent and that I've been a victim of identity theft or fraud, unbeknownst to me for XXXX years!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: Servicer under contract with Federal Student Aid
State: SC

Complaint narrative:
I learned of XXXX mysterious student loans dating back to 2009 totaling $ XXXX on my credit report. The credit bureaus couldn't help me so I contacted XXXX. After several attempts to find these loans via my SS number, they eventually found them using some other personal information. They showed me as endorser of XXXXXXXX XXXX XXXXXXXX loans. I asked who the original borrower is and the full account number for these loans, but they refused to divulge this info, leaving me little to work with. 
How can I investigate further without this pertinent info? Isn't it my right to know this? I assume these loans are fraudulent and that I've been a victim of identity theft or fraud, unbeknownst to me for XXXX years!

Company response to consumer: Untimely response
Consumer complaint received 2025-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: CA

Complaint narrative:
I sent my self {$200.00} from my XXXX  account into my cash app account. I sent another {$10.00} for the fee to transfer into my bank account. I sent myself {$1.00} as a test since sometimes it doesnt send to XXXX, and it sent to XXXX. So I withdrawal the {$200.00} for {$3.00} and it send it straight back into my XXXX account that I just sent into my cash app. I got to support and ask why it sent to XXXX  and not my bank account. And they say they can not refund the {$3.00} even tho I just sent the {$200.00} from XXXX to send it back to XXXX for {$3.00} why would I pay {$3.00} to send money back to the account I just got it from? As you can see I am very displeased with the misleading nature for the withdrawal button. It never tells you where it is going to or lets you choose. When I saw it was going into XXXX, I decided ok Ill pay the fee to deposit into XXXX, then see it goes back to XXXX. I need to pay rent today, with XXXX, and the only way to send to my bank instant is with cash app, but I cant even do that because it send my money back to my XXXX  ( payroll ) account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: LA

Complaint narrative:
I am unable to verify my identity on Cash App because their app will not launch the camera or allow me to take a photo of my ID. Ive attempted multiple times, used correct lighting, and ensured my information matches my government-issued ID. Despite all this, verification fails due to a technical issue within their systemnot on my end.

I contacted Cash App support numerous times. Instead of providing a solution, they repeatedly reset the process, which leads back to the same broken system. I asked for alternate verification methods ( such as a manual upload or link ), a timeline, or temporary accessbut received no resolution. I am now locked out of key features while being asked to verify through a process they wont even allow me to complete.

I am requesting intervention to ensure that I am given a fair and functioning method to verify my identity and restore account access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, at approximately XXXX AM, I attempted to deposit {$3700.00} in cash at a Chase ATM located at XXXX XXXX XXXX XXXX, XXXX, CA. The ATM number was XXXX. The machine accepted the full amount, but the transaction failed. No receipt was printed and no funds were deposited into my account. 

I immediately reported the issue to Chase staff at the branch and asked them to open the ATM while I was present. They said they did not have access and instructed me to contact the Customer Claims Department. I followed that instruction and filed a claim immediately the same day within minutes of the incident. 

Chase temporarily credited my account {$3600.00} during the investigation. However, I later received a secure message stating that the claim was closed and that Chase would reverse {$3200.00}, claiming I should only receive partial credit. I was not provided with any documentation or explanation showing how that decision was made. 

I requested that Chase review the ATMs internal cash audit records, a breakdown of the claim decision, and surveillance footage from the branch at the time of the incident. Chase refused, stating that any recording or video have to be subpoenaed by a court, and declined to reopen the claim. 

This incident was caused by a malfunction on Chase property using their ATM equipment. I followed every instruction provided to me and reported the issue immediately. I should not be held responsible for a technical failure I had no control over. I am requesting that Chase be required to reopen the claim, conduct a full investigation including audit and video review, and provide a written explanation of how the decision was reached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The late payment remark on my credit report is negatively affecting my FICO score, and I am requesting its removal to ensure that my credit profile accurately reflects my financial responsibility. Since payment history makes up approximately XXXX XXXX of my FICO score, it plays a critical role in determining my creditworthiness. Even a single late payment can lead to a significant decrease in my score, particularly if I have previously maintained a strong record of timely payments. 

This incorrect late payment is unfairly impacting my ability to access financial opportunities, including loan approvals and competitive interest rates. Because lenders and financial institutions heavily rely on FICO scores when assessing risk, this erroneous remark could result in increased borrowing costs or even credit denials. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to dispute inaccurate or unverified information on my credit report. If this late payment can not be substantiated or is found to be incorrect, it must be removed immediately. Additionally, I am requesting a goodwill adjustment from the creditor, as my history of responsible financial management demonstrates that this late payment does not accurately reflect my reliability.

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 2025-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
On XX/XX/2025, I received a debt collection letter from Caine & Weiner for an alleged {$14000.00} balance. This is not my debt. The company has failed to provide any validation or supporting documentation. I have disputed the claim and demanded full validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), but they have not produced any legally required proof that I owe this amount.

The debt does not appear on any of my credit reports. However, I am concerned they may attempt to furnish unverifiable or inaccurate data to the credit bureaus, which would violate the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).

I also issued a cease-and-desist notice to stop further collection activity until this matter is resolved. This company must be required to produce full validation or permanently cease contact. I am requesting regulatory intervention and investigation into their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
A collection entry has been placed on my credit file, which I strongly believe is inaccurate and improperly reported. I have found no evidence that this debt belongs to me, and I was never informed about it prior to seeing it on my report.

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 2025-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paramount GR Holdings, LLC
State: NJ

Complaint narrative:
If somebody doesnt do something about this company, they are going to continue to steal thousands and thousands of dollars from each individual loan. Which equates to millions of dollars they responsible for 60 % of the solar loans. There are so many complaints so many similar stories and yet nobody does anything about it. I have gotten to the highest level within their company, and I have dealt with their legal department, and I was promised resolution and compensation. However, I was flat out lied to and deceived. They lied to the consumer finance protection bureau. I dont even think the consumer finance protection bureau followed up on their response because it was full of flat out lies. I have contacted your attorney generals office. I have contacted the Senators. I have reached out on social media. I have filed complaints. And I withdrew my most recent complaint solely based off XXXX XXXX XXXX, promising to reconcile the situation and rewarding compensated impunitive damages in which their company was solely responsible for and they know it theyve admitted guilt theyve admitted wrongdoing and I also have proof which day doesnt exist.

Company response to consumer: Closed with explanation