vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 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: AL

Complaint narrative:
I am writing to formally request a detailed description of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, in accordance with 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this provision, I am entitled to a full explanation of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your responsibilities under the Fair Credit Reporting Act.

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 2025-06-27 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: PA

Complaint narrative:
I am writing to formally request a detailed description of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, in accordance with 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this provision, I am entitled to a full explanation of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item.

Please provide this information within 15 days of receiving this request, as required by federal law and your responsibilities under the Fair Credit Reporting Act.

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 2025-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
After filing for XXXX from a house fire that XXXX XXXX XXXX XXXX  of my upper body leaving me completely XXXX and unable to work, when I finally received it, my back pay as well as my first month 's pay got deposited into an account with cash app that unfortunately and for no reason I had gotten locked out of by cash app and when I contacted them with every bit of information letters included from the treasury department from social security stating that the funds were deposited into that account they denied me access to get a transferred the balance transferred to my account that I use now so I asked him to send it back to social security so they can put it to the right account and they said they can't do it that social security has to do it so I'll contact your social security and told them that and then they turn around and told me that they can not do it that they have to have whoever it was deposited into that bank has to return it so they had me going back and forth back and forth for months now I still have not received any of my money I had the phone number everything that they needed to the point where they was able to tell me and confirm the balance and both deposits that they were deposited into that account they allowed me to verify even other small deposits that were put on there before and yet they still will not let me into my account and they won't unlock it and they told me that they can't get me to a manager or anybody that was higher up because I would have to go through the app and then when I go to the app and I email I don't ever get a response back and I'm just going through loops and loops and loops and I just need to somehow figure out a way to get this figured out if I have to I have every bit of paperwork that is needed people I've contacted when both departments I have both letters from the treasure department social security.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have credit card with wells fargo. Amount {$8500.00} i go over limit by mistake but i still pay may be some time is late but they charge late fees and interste fees very expensive and still pay. Wells fargo bank they used to have date from i shoude pay and how many day i been late on payment.but they take it off from mobil app when i talk to them they say thats our rule the same witj loans they hidden the days left to custmer to make payment as 90 days by the law. I have diffent time between me and wells fargo i make payment before 90 days when i check my mobil app they said your account is closed. I called them but they are not coopeated with me i pay on time since 2021 thats get me very angry

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 2025-06-27 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:
Complainant : XXXX XXXX XXXX Email : XXXX Subject : Failure to Reinvestigate or Verify Disputed Credit Report Items FCRA Violations I, XXXX XXXX XXXX, am filing this formal complaint against the credit reporting agency for failure to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) regarding previously submitted disputes. 

On XX/XX/XXXX, I submitted a formal dispute requesting the reinvestigation and removal of multiple inaccurate and unverifiable items from my credit report. This followed earlier correspondence dating back to XX/XX/XXXX. Despite these repeated requests, the credit reporting agency has failed to : Remove or correct the disputed information, Provide valid documentation substantiating the reporting, Supply the method of verification as required under FCRA. 

Unresolved Disputed Accounts : XXXXXXXX XXXX Account # XXXX Date Opened : XX/XX/XXXXXXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Unverified or Unjustified Inquiries : XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX  Inquiry Date : XX/XX/XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX FCRA Violations Identified : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide a method of verification 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy The agency has not provided : The method and procedures used in verifying the items Full contact details for each furnisher Any documentation used during the reinvestigation process

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 2025-06-27 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:
I am disputing a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am disputing a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Fl XXXX XXXX XXXX XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX 
XXXX, TX 75019 Subject : Dispute of Inaccurate Charged-Off Account Reporting under 15 U.S.C. 1681s-2 ( b ) and 1681e ( b ) Dear XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX I am writing to formally dispute the accuracy of information being reported on my credit file, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing the reporting of the following account : Creditor Name : XXXX Type : Charged-Off Account Reported Balance : {$1300.00} Date Opened : XX/XX/XXXX Grounds for Dispute : This account is being reported with one or more of the following issues : Inaccurate charge-off status Incorrect balance or payment history Account is outdated or beyond the reporting period Incomplete or unverifiable information Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of information in consumer reports. Likewise, 15 U.S.C. 1681s-2 ( b ) obligates furnishers of information to investigate disputes forwarded by a credit bureau and correct or delete any inaccurate or unverifiable information.

I request that this account be reinvestigated, and if the information can not be verified or is found to be inaccurate or incomplete, it must be promptly removed from my credit report.

Please complete your investigation and respond to me in writing within the required 30-day period, as specified in the FCRA. I expect a written confirmation of the results and the actions taken. 

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 non-monetary relief
Consumer complaint received 2025-06-27 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: CT

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
We purchased a home with a XXXX XXXX XXXX XXXX Our loan was sold to Freedom Mortgage. We received XXXX XXXX  out of the area and decided to sell our home. I am the seller and the Listing Agent. On XX/XX/XXXX, we went under contract to sell this home with a XXXX XXXXXXXX. That same day I also sent the XXXX and XXXX request forms. I did not hear from Freedom Mortgage that they received the documentation until XX/XX/XXXX. At no point were we told the Buyers agent did not have access to the file due to lack of an additional XXXX On XX/XX/XXXX, our closing agent had not heard from Freedom Mortgage. XX/XX/XXXX was the first time we spoke with the processor and the first email I received from the processor for introductions and requesting any documentation. XX/XX/XXXX, the day we were originally supposed to close, was pushed to XX/XX/XXXX. On XX/XX/XXXX, we were told they were still waiting on a clear title, however it was confirmed they received the clear title by the closing agent on XX/XX/XXXX. On XX/XX/XXXX we were told to extend the closing and the buyers needed to submit additional documentation ( which they did that day ) then Underwriting would take XXXX hours, before being cleared to close. After the XXXX hrs, we were conditionally cleared to close on XX/XX/XXXX. On XX/XX/XXXX, we were told we wouldnt be able to close due to a closing disclosure needing to be signed ( but was not told who needed to sign it or why that hadnt been accomplished ) and that we should put in a request to extend to XX/XX/XXXX. 

Weve been lied to about why closing is held up. We were never given any updates as to the status of our file, what documents, if any, they were waiting on, and we have yet to receive a call back from the processor or the supervisor, despite calling them every day. And, we are an XXXX XXXX family who executed orders and moved out of the area based on the XX/XX/XXXX date. The lack of integrity, transparency, communication, and urgency to complete our file is costing us, not only financially, but undue distress. If we could, wed file suit, with the buyers, under 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 2025-06-27 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: NY

Complaint narrative:
I am disputing a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-06-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: ALLIANT CREDIT UNION
State: NY

Complaint narrative:
Subject : Complaint Regarding Discriminatory Lending and Unfair Credit Practices by Alliant Credit Union Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Alliant Credit Union for what I believe to be discriminatory and unfair lending practices related to a Home Equity Line of Credit ( HELOC ) application.

I have a credit score of XXXX and a home valued at approximately {$650000.00}, with a current mortgage balance of {$460000.00}. I applied for a {$75000.00} HELOC and was denied twice without proper notice or explanation. Despite having significant equity and strong credit, Alliant Credit Union cited a bankruptcy from five years agohowever, my mortgage was never included in that bankruptcy, and I have maintained an excellent credit history since then. 

The following concerns are at the core of my complaint : - I was never contacted or properly informed of the status or reason for my application denial. 
- No home appraisal was conducted. 
- I was subjected to a hard credit inquiry without a clear outcome or communication. 
- The representatives I interacted with were unprofessional and dismissive. 
- I was never given the opportunity to provide additional documentation or explore alternatives. 

I believe I was unfairly evaluated and possibly discriminated against in violation of the Equal Credit Opportunity Act ( ECOA ). I respectfully request that the CFPB investigate this matter and take appropriate steps to ensure fair lending practices are upheld by Alliant Credit Union. 

I am also seeking the removal of the hard credit inquiry and an official explanation from Alliant Credit Union for their decision. 

Thank you for your time and attention to this matter. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am disputing a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Klarna AB
State: ND

Complaint narrative:
Perfect heres your updated version with todays date ( XX/XX/year>, at XXXX XXXX ) included : Complaint Description : On XX/XX/year>, at XXXX XXXX, I attempted to purchase a pair of shoes through the XXXX app using Klarna as my payment method. Klarna immediately withdrew the full amount from my bank account, but the XXXX app did not confirm the order. The shoes remained in my cart, and no order number or confirmation was provided. 

I contacted XXXX support, and the agent confirmed that the purchase was unsuccessful. They stated that the money taken was only an authorization hold and that I would need to wait XXXX business days for it to be released. Klarna, however, shows the money as withdrawn, not pending. 

This situation has caused financial stress, as funds were removed from my account without a product or valid transaction. I want the hold released immediately and the charge canceled. I also want Klarna and XXXX held accountable for allowing a charge to go through for a failed order.

Company response to consumer: Closed with explanation