vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-19 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: MI

Complaint narrative:
I am writing to formally dispute the accuracy of the information being reported on my credit file under the following account : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Upon reviewing my credit reports from all three major bureaus, I have identified clear and material discrepancies regarding this accounts reporting : The account reflects different closure dates across bureaus. 

The status update date is showing recent activity in XXXX, despite the account being charged off in early XXXX. 

This creates the appearance of re-aging, which is prohibited under the Fair Credit Reporting Act ( FCRA 605 ( a ) ).

A charge-off account must not remain on a credit report longer than 7 years from the original date of delinquency, and its reporting must be accurate and consistent across all credit bureaus. 

These discrepancies directly impact my creditworthiness and violate FCRA 607 ( b ), which requires credit bureaus to maintain maximum possible accuracy of consumer credit files.

I request that this account be deleted from my credit report unless the furnisher can provide complete, verifiable documentation of the original date of delinquency and accurately correct the reporting across all bureaus.

Please provide the method of verification if the account is not removed. 

Sincerely, 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 2025-10-19 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: IL

Complaint narrative:
accounts appearing on my Equifax credit report, in accordance with 15 U.S.C. 1681c-2 ( FCRA I am a victim of identity theft and a confirmed participant in the Equifax data breach, under Engagement Number XXXX, where my personal information was compromised. As a result, the following accounts were opened or reported without my authorization or consent. 
The following accounts must be blocked immediately : - XXXX - XXXX XXXX  - Account ending in XXXX ( Closed XX/XX/XXXX ) - XXXX XXXX XXXX XXXX  - Account ending in XXXX ( Charge-Off ) - XXXX XXXX  - Account ending in XXXX ( Closed XX/XX/XXXX ) - XXXX XXXX XXXX  - Account ending in XXXX - XXXX XXXX XXXX XXXX Account ending in XXXX Pursuant to 15 U.S.C. 1681c-2 ( a ), you are required to block this information within four ( 4 ) business days after receiving : 1. A copy of my government-issued photo ID and proof of address ; 2. A copy of my FTC Identity Theft Report ; and 3. This written statement identifying the fraudulent items.

Please provide written confirmation once these accounts have been removed or blocked, and notify all furnishers and other credit reporting agencies as required by law. 
Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
This letter is a formal dispute of inaccurate and unverifiable information appearing in my credit file under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.This account does not belong to me and was never opened, authorized, or approved by me.

Under 15 U.S.C. 1681i ( a ) ( 1 ), I'm required to conduct a reasonable reinvestigation of this disputed information within 30 days. If the furnisher of the information can not verify with documented evidence that I am responsible for this account, you must permanently delete it from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I rented a home from XXXX properties at XXXX XXXX XXXX XXXX XXXX NC from XXXX thru XXXX. On XXXX XXXX I contacted XXXX to advise that I would not be renewing my lease. On XX/XX/year> I contacted the company to inform them of my move out on XX/XX/year> and asked that my security deposit be returned. On XX/XX/year> I received an itemized invoice from XXXX proclaiming damages to the property. There was no walk through when I vacated the premises and no informed inspection for thirty-days after my move out. My guess is that the property remained vacant and if there was damages of any kind which is highly likely, that it was possibly the results of vandalism. I had the assistance of XXXX individuals who assisted me with my move out and will gladly attest that the home was in tip top condition when I vacated it. XXXX has launched a fraudulent claim and obtained XXXX XXXX XXXX to pursue collections and report a fraudulent debt to all credit reporting agencies. For the past year, I have disputed this claim and filed several petitions with NC XXXX XXXX XXXX, NC Attorney General XXXX, XXXX, and acquired an attorney for litigation. To-date, neither agency have been provided proof that I damaged this home and have only been provided a bogus invoice for fake estimates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Self Financial Inc.
State: AR

Complaint narrative:
Failure to Provide Hardship Support and Misleading Credit Builder Practices What happened : I am filing this complaint about my active Self account. I currently hold a XXXX XXXX XXXX account and a linked Self credit card. Selfs products are marketed as credit builder tools designed to help consumers establish and improve their credit history responsibly. 
However, when I experienced a legitimate financial hardship, I reached out to Self several times to request temporary assistance, flexibility, or a hardship arrangement. I was told that Self has no hardship, forbearance, or payment relief programs in place for customers, even those who reach out before delinquency. 
This refusal directly contradicts the companys advertised mission of helping people build credit. I explained that I was not refusing to pay, but rather requesting help in managing payments during a hardship period so my credit would not be damaged. I also asked if funds in my XXXX XXXX account could be used to bring my Self credit card current, and I was told the issue would be escalated and reviewed. I am waiting on a response to that specific request. 
I have a positive payment history with Self, having completed and paid off several previous XXXX XXXX accounts. I have never intentionally missed payments, and I have always acted in good faith. I am also a victim of previous identity theft and have worked hard to rebuild my credit responsibly. 
The lack of hardship support or flexibility on a product specifically marketed as a tool to help people rebuild credit creates a misleading and unfair consumer experience. 
What Im requesting : XXXX suppression of negative reporting during this ongoing investigation and CFPB review. 


A full review of Selfs policies related to hardship, forbearance, or alternative payment arrangements for credit builder customers.

A reconsideration of the recent late payment reporting given my proactive outreach and pending escalation request.

I have attached chat transcripts and correspondence confirming that I contacted Self multiple times to request help, and that Self confirmed it has no hardship options in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to formally report fraudulent activity on my bank account, which I opened on XX/XX/year>, at BMO Bank, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

At the time of opening, I was informed that my debit card would be mailed to me. However, I never received the card and was also unable to log in to my account. When I contacted customer service, I was able to reset my login credentials and access my account. Upon logging in, I discovered multiple unauthorized transactions that neither I nor XXXX XXXX authorized. 

Shortly afterward, I learned that our community mailbox had been vandalized and mail stolen. I reported this theft to XXXX ( Reference # XXXX ) and filed a police report ( Case # XXXX ). 

I contacted BMO customer service regarding my debit card and login issues, but the matter was not resolved over the phone. I then visited the branch, where I was advised to close the compromised account, place a freeze with the credit bureaus, and open a new account. I followed these steps, and this time both XXXX XXXX and I were issued debit cards immediately at the branch. I was also assured that the fraudulent transactions would be investigated and treated as disputed. 

However, I recently received a letter from BMO stating that my account was closed without my consent and that my fraud claim had been denied based on the banks investigation. This is deeply concerning, as I was the one who reported the unauthorized activity and took every step advised by BMO to protect my account.

I respectfully request the following : Reversal of all unauthorized charges and correction of my account to reflect the disputed transactions.

Information on the measures BMO is taking to prevent such fraudulent activity in the future. 

I enclosed copies of the police report ( Case # XXXX ) and XXXX report ( Reference # XXXX ). 

I should not be held responsible for transactions I did not conduct or authorize. Additionally, I request clarification as to why a debit card was not issued to me at the branch when I first opened my account, especially since a debit card was later provided without issue when I opened a new account after the original one was closed.

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 2025-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Closed my account while still making payments and account was in good standing.

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 2025-10-19 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:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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

15 U.S.C section 604 A Section 2 : 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-10-19 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
On XX/XX/year> I went to buy a product from XXXX XXXX ( XXXX XXXX ) I decided to run the Transaction through Paypal. When Paypal offered a XXXX dollar promotion for signing up for their credit card. I figured sure. I signed up they ran my credit, gave me a credit line. Processed the payment showed that I would only be charged for the remained after the {$20.00}, which was {$7.00}. A day later I received notification from my other credit card which I did have on my Paypal account was charged for {$29.00}. Paypal 's rep stated they allow merchants to charge customers without authorization so thats what happened. Paypal has not offer to cancel the pending transition since its was paid by another credit card. They also claim i have to go to the mechant to cancel and reorder so they can " switch '' billing. Maybe. It's all low amounts so its not a big deal for me financially. It does irritate me that these big companies make promises then fail to deliver, then it's up to the customer to hire a lawyer ect to fight them. Paypal will promise a promotion, run your credit then don't come through with their agreements with the consumer. ( They most likely got their kickback for a new customer )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-19 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: TX

Complaint narrative:
On XXXX I had taken out a loan for {$300.00} and it was deposited into my cash app account. I was in the process of sending the money when my phone was bumped and the money was sent to the wrong person. I immediately contacted cash app to try and stop the payment so I could get the money sent to the correct person. After getting the runaround and being insulted I eventually filed a dispute. I was told to wait XX/XX/XXXX days, and today when I called to check the status of my dispute I was told it had been denied. Once he actually reviewed my dispute then he said that no he was mistaken and my dispute was still processing but could offer no update on it. I asked if it was possible to get a temporary credit until they could conclude the investigation because that was was a loan that I still had to pay back and he said they don't do that. I'm just trying to get the {$300.00} to the right person and all I've been met with is disrespect and run arounds and no one from this company seems to be on the same page nor do they care at all about the customer in any way. Because of how I've been treated during this I will probably close my account with cash app once this matter is concluded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-19 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. CXX/XX/XXXXe XXXXe ) for deceptive and misleading reporting.

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 2025-10-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: OK

Complaint narrative:
On XX/XX/XXXX, XXXX suddenly locked my account and XXXX XXXX credit card, citing a vague review for unusual activity. I received no explanation, no evidence of fraud, and no instructions on how to resolve it. 

Over the past XXXX days ( XX/XX/XXXX ), I have contacted XXXX support multiple times through in-app chat and callback requests. Every representative gave conflicting information and generic replies such as the team is reviewing or it has been escalated. No one from that review team has reached out, and no written communication or timeframe has been provided. 

My account and credit card remain frozen, leaving me unable to access my own money or make essential purchases. I informed support that this created a financial hardship, yet they showed no urgency or accountability. Chats were ended without solutions, and escalation requests went unanswered. 

This demonstrates poor communication, lack of transparency, and unreasonable delay for an issue directly affecting access to consumer funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
This is a continuation of Complaint ID XXXX. 
After filing my original complaint against XXXX XXXX XXXX and TransUnion, I was blocked from accessing my TransUnion credit report and dispute status. I attempted to add a consumer statement to explain the situation, but TransUnions system returned repeated errors.I continue to receive credit alerts about new accountsincluding fraudulent entries I do not recognizebut I am denied access to view or respond to them. This denial of access began after my CFPB complaint was submitted, while XXXX and XXXX  continue to allow full access during active disputes.I have ADA accommodations on file, and this obstruction interferes with my ability to monitor, respond, and protect my credit. TransUnions actions appear retaliatory and obstructive, violating the Fair Credit Reporting Act and consumer protection standards.I am requesting immediate intervention to restore access, enforce ADA compliance, and investigate TransUnions obstruction and timing of these fraudulent additions.

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 2025-10-19 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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