vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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: MI

Complaint narrative:
I am submitting this formal statement regarding numerous inaccuracies and negative accounts that continue to appear on my consumer credit reports. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. Despite previous disputes and direct requests for correction, these negative accounts remain on my file without proper validation or correction. Each of these accounts is being reported with serious errors, such as inaccurate payment history, unverifiable balances, duplicate reporting, and other misleading information. These reporting errors are causing substantial harm to my creditworthiness and financial standing. 
The following accounts are in dispute : XXXX XXXX XXXX, XXXX, MI, XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$65.00} XXXX  XXXX XXXX Balance : {$300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, around XXXX. I deposited {$830.00} in cash ( XXXX {$100.00} dollar bills, XXXX {$20.00} dollar bill, XXXX {$10.00} dollar bill ) into the Citi ATM located outside of the branch at XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX. There are XXXX ATMs and I used the left one. 
The transaction of {$830.00} appeared on my screen. I clicked " confirm deposit ''. Right after, the ATM appeared to malfunction. I was not given the option to get a printed receipt, or to get my cash back, and the funds were never credited to my account. I filed a dispute with Citi on XX/XX/XXXX. 

Citi issued a temporary credit, then removed it 20 days later, stating that they " did not find any errors ''. This does not resolve the fact that my {$830.00} deposit is missing.

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 2025-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: MD

Complaint narrative:
Ive been with cash app for six years and I process about {$50000.00} a year because I pay most of my people that help me through cash app. And I also have direct deposits into there. Ive never had a single issue. My account has always been in perfect standing. Over this last six years Ive never ever had a refund Held by Cash app or anything else Held by Cash app. Because my account is in such good standing everything its processed immediately. On Saturday of last week I need to purchase for {$94.00} at XXXX. I decided to return it two days later and the refund was processed and posted to my cash app account on Sunday at XXXX XXXX. It is now almost Wednesday and cash app has not officially posted it to my account yet. It says its processing it and that is illegal. The money came back from XXXX and there is no legal reason whatsoever for them to hold onto my money other than to try to take it from me in an interest on it not let me access it. Thats never happened before and if theyre gon na try to do it now then they need to tell me why exactly they did that and what the legally valid reason is for all of a sudden doing that once with this transaction. I have a perfect account and I believe I mean targeted or its just a mistake and needs to be corrected. But the people at cash app are being ridiculous and theyre even telling me that it might take up to 10 days to process. That is absolutely unacceptable. XXXX gave them the money on Sunday and if theyre not giving it to me then that is absolutely illegal. There is no valid reason whatsoever for them to do that. Ive never had a single issue. Nothing returned nothing ever wrong and this all of a sudden is illegal and its discrimination

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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 recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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 recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: CA

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX is furnishing provably inaccurate, re-aged, and non-compliant credit data to TransUnion. After I disputed, they verified the tradeline, yet TransUnion now displays an impossible Date reported : XX/XX/XXXX and continues showing derogatory activity years after charge-off. This violates the FCRA and Metro 2 CRRG and is harming my credit. 

I am disputing the XXXX XXXX XXXX XXXX XXXX tradeline ( Acct ending : XXXX ). On XX/XX/XXXXXXXX TransUnion posted Date reported : XX/XX/XXXX with Account Charged Off and {$4400.00} past due ( screenshot attached ). XXXX previously verified the tradeline to TransUnion, yet the data being furnished is facially impossible and internally inconsistent across bureaus. 
FCRA violations by the furnisher ( XXXX XXXX ) : 623 ( a ) ( 1 ) ( A ) : Furnishing information known or that should be known to be inaccurate ( e.g., XX/XX/XXXX Date reported ; continuing late-stage delinquency years after charge-off ). 
623 ( a ) ( 2 ) : Failure to correct/update incomplete or inaccurate information.

623 ( a ) ( 5 ) & 605 ( c ) : Must furnish the Date of First Delinquency ( DOFD ) that anchors the 7-year reporting window ; advancing fresh 30/60/90/120/150-day codes after charge-off is re-aging.

623 ( b ) : After dispute, must reasonably investigate and delete or modify items that are inaccurate, incomplete, or can not be verified, and notify all CRAs. 
Metro 2 CRRG field defects ( Furnishers data set ) : Field 24 Date of Account Information : TransUnion shows XX/XX/XXXXXXXX  ( epoch/placeholder ), not a real update date ( MMDDYYYY ). 
Field 25 FCRA Compliance/DOFD : Not applied consistently ; reporting suggests post charge-off delinquency that defeats DOFD anchoring ( re-aging ). 
Field 17A Account Status / 17B Payment Rating and Field 18 Payment History Profile : Charge-off status is incompatible with new late progression years later. 
Field 21 Current Balance / 22 Amount Past Due / 23 Original Charge-Off Amount : Mixture of charge-off with rolling past due misleads users. 
Field 27 Date of Last Payment : Conflicts appear across bureaus ( XXXX  panels show different last-payment dates ). 
Field 20 Compliance Condition Code : During dispute the furnisher must send XXXX XXXX  consumer disputesinvestigation in process ). 
Harm : My scores and creditworthiness are being depressed by a tradeline that is obsolete if dates were accurate and illegally re-aged otherwise.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: OH

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: OH

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: MN

Complaint narrative:
I submitted my borrower defense/school misconduct application to mohela in early XXXX and they immediately denied my application without explanation or further consideration. All my federal loans were discharged due to Minnesota XXXX XXXX XXXX University being involved in a major class action suit for misconduct and misinformation. This should very much be considered as all of my personal loans relate to that school and the misinformation and misconduct they provided by promising the world and learning none of that was true.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: Paypal Holdings, Inc

Complaint narrative:
I'm a XXXX I set up my account specifically to use on XXXX to buy movies and series, and also for various other types of situations, such as purchases or future transfers. I verified with PayPal all the attempts I made for various expenses and confirmed with all the necessary documents the ownership of one of the credit cards used and a passport document, among others, to prove that it wasn't fraud. They simply canceled my account and gave me no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute an inaccurate late payment reported on my credit file with XXXX Credit Bureau 's. After carefully reviewing my credit report, I found a late payment notation that appears to be either incorrectly reported or lacking proper verification. This erroneous entry is damaging to my credit score and violates my rights under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$6900.00} Legal Grounds for Dispute : FCRA 611 : Requires a fair reinvestigation of any disputed information.

FCRA 623 ( a ) ( 2 ) : Requires furnishers to update and correct any inaccuracies promptly.

Therefore, I formally request that TransUnion : Conduct a full investigation of the disputed late payment reported on my XXXX XXXX account. 
Request that XXXX XXXX provide verified documentation of the delinquency. 
Correct any unverifiable or inconsistent late payment data from my credit report. 
Provide me with written confirmation of the results of this investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: MI

Complaint narrative:
I am submitting this formal statement regarding numerous inaccuracies and negative accounts that continue to appear on my consumer credit reports. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. Despite previous disputes and direct requests for correction, these negative accounts remain on my file without proper validation or correction. Each of these accounts is being reported with serious errors, such as inaccurate payment history, unverifiable balances, duplicate reporting, and other misleading information. These reporting errors are causing substantial harm to my creditworthiness and financial standing. 
The following accounts are in dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$400.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> To : XXXX XXXX XXXX XXXX ( XXXX ) [ Agency Address ] Subject : Report of Online Purchase Scam XX/XX/year> Dear Sir or Madam, I am writing to formally report that I was the victim of an online scam on XX/XX/year>. I attempted to purchase a collectible XXXX XXXX XXXX doll from a website called XXXX. After making the payment through Cash App, I became suspicious when I did not receive confirmation of the order. 

Following further research, I discovered that the website has been reported as fraudulent, including warnings on the XXXX XXXX XXXX XXXX XXXX  ) website. I immediately contacted Cash App support to dispute the transaction and report the suspected fraud. 

I am submitting this letter as an official record of the incident and to request assistance in investigating this matter. I would appreciate any guidance you can provide regarding next steps, including how I might recover my funds and help prevent others from falling victim to this scheme. 

Please find below the transaction details : Date of transaction : XX/XX/year> Amount paid : {$76.00} Payment method : Cash App Merchant/Website : XXXX I am willing to provide screenshots, transaction records, and any additional documentation you may require. 

Thank you for your attention to this matter. Please let me know if there are any forms or further steps I should complete as part of the reporting process. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carchoice of Memphis, Inc.
State: TN

Complaint narrative:
If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnishes information to one or more CRAs must report this fact when it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ).

Duty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumers file. Section 623 ( a ) ( 5 ). 
Any person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the same delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection, charged to profit or loss, or subjected to any similar action. Section 623 ( a ) ( 5 ).

Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to nationwide consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA.

Section 623 ( a ) ( 7 ). The Consumer Financial Protection Bureau has prescribed model disclosures, 12 CFR Part 1022, App. B.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, XXXX  XXXX ] XXXX  : [ XXXX XXXX : [ XXXX [ XX/XX/year> ] [ Credence Resource Management XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Re : Account Number [ XXXX ] To Whom It May Concern : I am sending this letter to you in response to a notice I received from you on ( date of letter ). Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for " verification " or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 
If your offices have reported invalidated information to any of the three major Credit Bureau 's ( XXXX, XXXX  or XXXX  ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: AXOS FINANCIAL, INC.
State: VA

Complaint narrative:
I deposited a check and never received the funds. My account was suspended on XXXXXXXX XXXX XXXX I had money in my account that the bank will not release on a suspended account and the bank is holding information on why I can not access my funds after six days.

Company response to consumer: Closed with explanation