vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-11 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: GA

Complaint narrative:
I am filing this complaint because Equifax is knowingly reporting inaccurate, outdated, and misleading information on my credit report in direct violation of the Fair Credit Reporting Act ( FCRA ). 

Specifically : XXXX XXXX ( Account Number : XXXX XXXX XXXX XXXX ) has been consistently reporting a repossession for over 5 years, and Equifax continues to reflect this account as an active, ongoing repossession, misrepresenting the age and status of the debt. This is known as illegal re-aging and falsely portrays the account as recently delinquent. 

XXXX XXXX XXXX XXXX ( XXXX ) ( Account Number : [ XXXX XXXXXXXX ) has been consistently reporting the same account as a charge-off since the vehicle was repossessed. Equifax continues to reflect this inaccurately, failing to mark it as closed or properly aged. It misleads lenders and causes ongoing harm. 

I have previously disputed both accounts with Equifax, and Equifax has failed to properly investigate, correct, or delete the inaccurate information. These actions violate the following provisions of the FCRA : FCRA 607 ( b ) : Obligation to report with maximum possible accuracy FCRA 623 ( b ) : Failure to correct or delete disputed information FCRA 623 ( a ) ( 1 ) ( A ) : Knowingly reporting inaccurate information FCRA 605 ( a ) : Reporting negative information past the legal limit of 7 years These reporting errors are not minor or isolated. They are consistent, ongoing, and materially damaging to my credit profile. I am not disputing the original events ( repossession or charge-off ) I am challenging the way they are being reported as ongoing, misleading, and unlawful. 

Furthermore, Equifax has a well-documented history of violating the FCRA, including lawsuits and regulatory action for failing to correct inaccuracies and for inadequate dispute investigations. This demonstrates a pattern of systemic negligence.

I am requesting that the CFPB instruct Equifax to immediately delete both the XXXX XXXX and XXXX accounts from my credit report due to their continued FCRA violations. If Equifax refuses to comply, I will file a lawsuit under FCRA Sections 616 and 617 to seek damages for willful noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XX/XX/year> Formal Dispute Regarding inaccurate information on my Credit report. 
Dear transUnion I am writing to formally dispute inaccurate information on my credit report that i believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. Recently the consumer financial protection bureau filed a lawsuit against XXXX XXXX XXXX for failure to properly investigate consumer disputes, citing " sham investigation '' and other unlawful practices as outlined by the CFPB include,

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 2025-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
Since XX/XX/year>, I have repeatedly attempted to make a XXXX XXXX payment of {$150000.00} through my bank account, which has sufficient funds and no restrictions or alerts. However, my servicer, MOHELA, continues to reverse the payment without providing a valid reason or meaningful assistance. I contacted MOHELA to resolve the issue, but the responses I received were generic and dismissive, showing no indication that the matter was seriously investigated. As a result, interest has continued to accrue on my loan despite my good-faith effort to pay on time and in full. I am seeking a refund of any interest charged since XX/XX/year>, and a resolution that ensures my payments can be processed successfully going forward.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-10 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: DISCOVER BANK
State: TX

Complaint narrative:
I am a victim of identity theft. Discover Financial Services is reporting one or more fraudulent credit card accounts on my credit report, despite having already received all required identity theft documentation under FCRA 605B.

I submitted : - A notarized FTC Identity Theft Affidavit - A police report from the XXXX Police Department ( Case # XXXX ) - A valid FTC Identity Theft Report ( Report # XXXX ) - A copy of my ID and Social Security card - A written dispute citing FCRA 605B and demanding deletion Despite this, Discover has continued to report the fraudulent accounts to the credit bureaus. This violates : - FCRA 605B Failure to block identity theft accounts- FCRA 623 ( a ) ( 6 ) Continuing to furnish data after notice of identity theft - FCRA 616 Willful noncompliance I am requesting that the CFPB investigate this matter and compel Discover to block and delete these accounts in accordance with the law. Supporting documents are attached for review.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Subject : Complaint Against Credit Collection Services ( CCS ) Message : I am filing a complaint against Credit Collection Services ( CCS ). They are attempting to collect a debt that I do not recognize and that I never agreed to. I have no record of ever signing any contract or agreement with this company. 

On XX/XX/year>, I sent them a letter requesting proof and validation of the debt, as is my right under the law. However, they have not responded or provided any documentation to prove that this debt is valid. Despite this, they continue to try to collect from me, and it is negatively affecting my credit report. 

I am requesting that you investigate this situation and take the appropriate steps to stop CCS from attempting to collect a debt that I do not owe, and have the account removed from my credit report if it has already been reported. 

Thank you for your attention. 

Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone Number : XXXX Email : XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: Experian Information Solutions Inc.
State: FL

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 The accounts below have violated my nights.

15 U.S.C 1681 section 602A. States I have the night to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reportng agency can not furish a acount without my written instructions.

15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer repon dontaining 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consulner reporting agency if the person knows or has reasonable cause to beleve that the information is inaccurate. 

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXXXXXX - 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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to inform you that I did not authorize this inquiry, nor did I initiate any application for credit or service with the aforementioned creditor that would justify such an action. I have no knowledge of any legitimate reason for this inquiry to exist on my credit report. 


The presence of this unauthorized inquiry is potentially damaging to my XXXX XXXX and raises serious concerns about potential identity theft or fraudulent activity. I am entitled to an accurate and fair credit report, as guaranteed by the Fair Credit Reporting Act ( FCRA ). 


I demand that you conduct a thorough investigation into this matter and provide me with written confirmation that the unauthorized inquiry has been permanently removed from my credit report within XXXX ( XXXX ) business days of the date of this letter. 


Failure to comply with this demand will leave me with no alternative but to pursue all available legal remedies, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and initiating legal action to recover all damages incurred as a result of this inaccurate reporting. 


I expect your prompt attention to this serious matter. Please provide written confirmation of the inquiry 's removal to the above address.

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 2025-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: GA

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 a 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 XXXX 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 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 2025-05-10 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: EQUIFAX, INC.
State: GA

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 a 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 XXXX 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 explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
This complaint is against Venmo. This is not a duplicate complaint, but relevant to situations which have taken place in the last ( 2 ) days with this Company. As CFPB is well aware, I experienced some identity theft issues through a XXXX XXXX XXXX XXXX XXXX. I was provided XXXX XXXXXXXX XXXX XXXX which greatly helped me recover. I've been trying to get my Venmo account in order. But Venmo is no help at all whatsoever. I've went through ( XXXX ) different supervisors, and all ( XXXX ) are useless!!! I simply want to fully close my Venmo account, once and for all. I read instructions and follow them BUT I CAN NOT GET INTO MY ACCOUNT TO CLOSE IT. Each time I try to do so it sends a long statement that it can't be done. Supervisor will not return my message and request for help. Providing this kind of service, I do not see how Venmo remains in business. And they are connected to a very reputable Company such as XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year> sent {$48000.00} to my sister in XXXX XXXX ( XXXX is the name of bank ) for helping her buying a house since she's getting divorced. But I later found out that I can't send more than XXXX at a time. So her bank rejected my money and I was told by BANK OF AMERICA representatives it will takes XXXX days. She swears it takes 10 days at the most. My sister talked to her bank and told her they sent the money the same day they received ( XX/XX/year> ) but none of BoA people aren't responding to transactions they sent and nothing her bank can do. I've never received any emails or inform me about the wire transfer from BOA not once. It's been XXXX weeks now. I really need money to help my family out.

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 2025-05-10 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: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Florida XXXX XXXX XX/XX/year> Experian Dear Experian I am writing to formally dispute inaccurate information on my credit report that i believe a harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies required by federal law. 
Recently the Consumer Financial Protection Bureau filed a Lawsuit against Experian for its failure to properly investigate consumer disputes citing " sham investigation '' and unlawful practices. These practices as outlined by the CFPB Included.

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 2025-05-11 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
I disputed a tradeline with XXXX that appeared to be inaccurate and unverifiable. Rather than respond with evidence or a proper validation, the tradeline was silently removed from my XXXX report after I submitted a legal complaint. 

This removal does not resolve the issue. Instead, it shows that the information should not have been reported in the first place and that the bank failed to meet its obligations under FCRA 1681s-2 ( b ) to conduct a reasonable investigation. 

I am requesting further review, as XXXX has not acknowledged wrongdoing or offered any remedy for the damage done to my credit and mental health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: GA

Complaint narrative:
I am reporting unauthorized use of my Social Security Number ( SSN ) and the continued reporting of fraudulent accounts and hard inquiries on my credit reports by Equifax, Experian, and TransUnion, in violation of federal law. 

My credit reports contain multiple accounts and inquiries I did not authorize, open, or benefit from. These include : Charge-Offs : XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX Bank Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries : 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, my credit reports list : A false name ( XXXX XXXX XXXX XXXX XXXX addresses in XXXX  and XXXX, GA Unreachable phone numbers Legal Violations : I never provided written authorization to the credit bureaus or furnishers to access or report this information. Their actions violate : Fair Credit Reporting Act ( 15 U.S.C. 1681b, 1681c2, 1681e ) Privacy Act of 1974 ( 5 U.S.C. 552a ) Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) Social Security Act ( 42 U.S.C. 408 ( a ) ( 8 ) ) Regulation P 12 CFR 1016.11016.7 ( failure to provide opt-out rights )

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 2025-05-10 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: NY

Complaint narrative:
I have a identity restoration confirmation # XXXX from equifax that my identity has been used throughout this data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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