vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-18 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: LA

Complaint narrative:
Cash app is stealing my money. XXXX day I had money from a transfer and the next few hours it was gone

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

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 redressed for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: FL

Complaint narrative:
This complaint is regarding Experian 's continued reporting of a bankruptcy that does not belong to me, in violation of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I submitted a formal dispute via certified mail, invoking my rights under 15 U.S.C. 1681i ( a ) ( 1 ). I clearly stated that I have never filed for bankruptcy, and that the record being reported is fraudulent or misattributed. 

I demanded that Experian : Conduct a full reinvestigation as required under 15 U.S.C. 1681i ( a ) ( 1 ) Delete the bankruptcy if it could not be verified through original documentation, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Disclose the source of the information under 15 U.S.C. 1681g ( a ) ( 2 ) Provide a document bearing my signature that ties me to this alleged bankruptcy Experian failed to respond appropriately. They did not provide any documentation, did not disclose any source, and simply stated the item was verified which is not sufficient under the FCRA. They also failed to indicate whether the verification came from an actual furnisher, as required by law. 

Use of XXXX XXXXXXXX, or any third-party aggregator is not legally sufficient because these are not furnishers under the FCRA ( 15 U.S.C. 1681s-2 ). 

To be clear : XXXX has already removed this bankruptcy after completing their own investigation. This demonstrates the record is not verifiable and should be removed by Experian as well. 

Experian is now in violation of : 15 U.S.C. 1681i ( a ) ( 1 ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Failure to delete unverifiable information 15 U.S.C. 1681g ( a ) ( 2 ) Failure to disclose the source of information 15 U.S.C. 1681n Willful noncompliance subject to statutory and punitive damages I am attaching the original dispute letter I sent to Experian via certified mail as evidence, along with proof that XXXX has deleted the same bankruptcy from my credit report. 
I respectfully request that the CFPB : Compel Experian to delete the bankruptcy entry Require Experian to disclose the furnisher and provide a document bearing my signature Ensure Experian ceases reliance on third-party data aggregators in lieu of proper verification Thank you.

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 2025-05-18 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: FL

Complaint narrative:
I have previously submitted a removal of fraudulent accounts from Experian, CFPB complaint number XXXX. The company Experian Fails and refuses to comply with the deletion of the fraudulent accounts, and all related reporting/late payments of said accounts XXXX XXXX and XXXXXXXX XXXX I am making second filing complaint to have them removed under the fair debt report act FCRA ) 605B these accounts must be deleted from my credit report withing 30 days of the initial complaint notice its been 41 days.

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 2025-05-18 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:
I requested XXXX to do a full investigation of all negative items and I disputed items as well. They gave me my dispute results with no results and no accounts, to is another stall tactic. 

As you can see the dispute section has not info were the account information should be.

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 2025-05-18 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: OH

Complaint narrative:
I reviewed my credit report and found an error showing XXXX late payments on an account that was actually paid on time. This is inaccurate reporting. Under the Fair Credit Reporting Act, consumer reporting agencies are required to report complete and accurate information. This account has never been late. Ive attached a copy of my report with the dates in question XX/XX/year> and XX/XX/year>. Please investigate and correct the account to reflect on-time payments.

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 2025-05-18 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: OH

Complaint narrative:
I reviewed my credit report and found an error showing XXXX late payments on an account that was actually paid on time. This is inaccurate reporting. Under the Fair Credit Reporting Act, consumer reporting agencies are required to report complete and accurate information. This account has never been late. Ive attached a copy of my report with the dates in question XX/XX/year> and XX/XX/year>. Please investigate and correct the account to reflect on-time payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: FL

Complaint narrative:
Formal Complaint Regarding Fraudulent Accounts and Inquiries on Equifax Credit Reporting Dear Consumer Financial Protection Bureau, I am submitting this letter as a formal complaint and request for immediate investigation regarding inaccurate and fraudulent information being reported on my Equifax credit file in violation of my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681 et seq. ). I have identified XXXX accounts listed on my credit report that are fraudulent and were opened without my knowledge, authorization, or consent. These accounts are : XXXX XXXX {$1700.00} XXXXXXXX XXXX {$1700.00} I assert that I am not legally or financially responsible for these accounts, and I have reason to believe they are the result of identity theft or unauthorized activity. I have not entered into any agreement with these creditors and have never received, used, or benefited from any funds or services provided under these accounts. Additionally, I request that any and all associated hard inquiries from XXXX XXXX and XXXX XXXX made on or around the time these accounts were fraudulently opened be permanently removed from my Equifax credit report. I have exercised my right under the FCRA to dispute these fraudulent entries directly with Equifax, and to date, the issue remains unresolved. As such, I am escalating this matter to your office for review and enforcement. Enforce compliance with my rights under the FCRA, which provides that inaccurate, unverifiable, or fraudulent information must be removed from a consumers credit file within 30 days of dispute.. Thank you for your time and prompt attention to this matter. I expect a formal acknowledgment of this complaint and resolution in accordance with federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: GA

Complaint narrative:
To : Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX DC XXXX Subject : Formal Complaint Against Experian for Failure to Correct Inaccurate and Unverified Credit Reporting To Whom It May Concern, I am filing this complaint against Experian Information Services for their continued reporting of inaccurate, outdated, and unverifiable information on my credit report, despite multiple disputes submitted under the Fair Credit Reporting Act ( FCRA ).

Experian is reporting the following accounts that I have challenged through formal disputes, with no valid verification, documentation, or legal justification provided : 1. XXXX XXXX ( multiple accounts ) Reported as charged off with static balances but no verification of original contracts or repayment terms. 


2. XXXX XXXX Balance exceeds the credit limit ; no breakdown of charges provided ; dispute not properly marked. 


3. XXXX XXXX Account is obsolete and beyond the 7-year reporting period ; debt sold but inaccurately remains on file. 


4. XXXX XXXX XXXX XXXX buyer failed to validate original agreement or charges ; account remains with no verified history. 


5. XXXX XXXX XXXX Duplicate entry from a previously charged-off XXXX XXXX account XXXX unverifiable and misleading. 


6. XXXX XXXX Account charged off years ago with no activity since 2020, yet it continues to report inflated balances monthly. 



These entries violate multiple provisions of the FCRA, including : 1681e ( b ) : Failure to maintain maximum accuracy.

1681i : Failure to conduct a proper reinvestigation upon dispute.

605 ( a ) : Reporting of obsolete information.

1681s-2 ( a ) ( 3 ) : Failure to flag previously disputed accounts.

I have already submitted dispute letters to Experian, including detailed explanations and demands for deletion. Yet Experian has continued to update these accounts without resolving the inaccuracies or providing supporting documentation.

I am requesting that the CFPB conduct an immediate investigation into Experians negligent and noncompliant handling of my credit file. I ask that you compel them to : Permanently delete all accounts that can not be fully verified with original documentation.

Provide me with an explanation and copies of any documentation used in their reinvestigation process.

Ensure my credit report reflects only accurate, timely, and verified information in accordance with federal law.

Thank you for your attention to this matter. I am prepared to provide copies of my original dispute letters, proof of identity, and a current credit report upon request.

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 2025-05-18 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX  under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$2700.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: GA

Complaint narrative:
My personal and financial information has been violated according to FRCA and I request full cancellation of my student loans. I never gave permission for the student loans to go to Mohela. I would like to receive the promissory note from Mohela.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Zions Debt Holdings
State: MD

Complaint narrative:
Contacted Zion Debt Holding for a copy of original debt {$1000.00} with my signature. I contacted then on XX/XX/XXXX, XX/XX/XXXX, and XXXX.contact via phone. ACCTXXXX I never received any response from the company. I never received debt verification letter from Zion Debt Holdings. I have no knowledge of this acct, please provide certified letter confirming my acknowledgement of debt. If not I will take legal actions.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: MD

Complaint narrative:
I used my Discover credit card to pay for a cruise that the merchant later canceled. I did not cancel the booking, I never received the service, and the cruise company did not issue a refund. Discover has refused to issue a chargeback or reopen the dispute, even after I provided documentation. I am seeking assistance in recovering the funds for a service I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: Global Lending Services LLC
State: MI

Complaint narrative:
someone tried to open accounts with my information and was unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: First Technology Federal Credit Union
State: MI

Complaint narrative:
someone tried to open accounts with my information and was unsuccessful.

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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Per XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 1002.142 ( b ) ( 7 ), I kindly request that you block this information from my credit report within 4 days. 
Please send me notification of the actions taken.I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
On XXXX XXXX XXXX I purchased a pressure washer for {$530.00} via XXXX from a seller on XXXX XXXX. After getting it home, I discovered it was cracked and leaking. I contacted the seller, who initially refused to refund me. I then opened disputes with both XXXX and XXXX XXXX XXXX XXXX ( my bank ). 

After opening the disputes, the seller agreed to issue a refund if I returned the item. However, when I met him, he could not send the refund due to the dispute freezing the funds. I called XXXX for help, and a representative instructed me to cancel the dispute, assuring me that : The funds would be released and refunded within 13 business days ; If the seller failed to refund me, XXXX would issue the refund themselves. 
Trusting this guidance, I canceled the dispute and returned the pressure washer. However, the seller never issued the refund, and XXXX now refuses to return the fundscontradicting what their support team told me. Meanwhile, XXXX XXXX reversed the temporary {$530.00} credit they had issued, leaving me without the product or the money. 

This situation is the result of misrepresentation by a XXXX  support agent, which directly led to a financial loss. I am requesting the CFPBs assistance in : Reviewing XXXX handling of this dispute ; Holding XXXX accountable for the inaccurate and misleading support ; Assisting in the recovery of the {$530.00} that was promised as refundable. 
I can provide documentation of the transaction, disputes, communication history, and XXXX XXXX response. I appreciate your help in resolving this issue. 

Amount in dispute : {$530.00} Transaction date : XXXX XXXX XXXX Current status : No refund received ; dispute closed My bank : XXXX XXXX XXXX XXXX ( initially issued and then reversed a temporary credit ) Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Urgent Dispute Regarding Incorrect Credit Reporting on XXXX XXXX I am writing to formally dispute an inaccurate report on my credit regarding my XXXX XXXX  with the Department of Education. I monitor my credit through XXXX XXXX weekly, and cross reference with my XXXX XXXX and XXXX report. My accounts were consistently listed as on-time with terms met. However, I was recently shocked to find that a * * 90-day past due amount * * had been reported for * * four * * of my Department of Education loans , despite my payment history showing otherwise.

This reporting is entirely * * false and misleading * *, as there were no prior indications of late payments at * * 30 or 60 days * * only an abrupt 90-day delinquency. Such an error has caused significant damage to my credit score, affecting my financial standing and future opportunities. 

I depend on XXXX XXXX to keep me updated on my accounts, and this situation is both unacceptable, not just financially harmful, but life altering.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
XXXX XXXX XXXX, This collections agency did purchase this delinquent account, after failed attempts to offer the original creditor some realistic payment options. 
The account numbers, XXXX amount {$11000.00} account # XXXX amount {$450.00}. 
I did request these charges be voided, and deleted from my credit profile, since the crediting originator company did opt in selling off this account into a third party company, of which I have no contractual agreement with.I have attempted this illegal collections be removed to no avail. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: PA

Complaint narrative:
Company continues to furnish inaccurate and incorrect information to my report. Company has been sent notarized documentation of the correct status & history on this account, yet they still continue to furnish the incorrect information onto my report. 

Account : XXXX XXXX XXXX Acct # : 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