vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: NJ

Complaint narrative:
My XXXX XXXX payment history on Experian is inaccurate, showing a late payment which is incorrect.

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 2025-07-14 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: CA

Complaint narrative:
On XX/XX/year>, I made a purchase through Cash App from a business that, once again, charged me more than agreed {$20.00} instead of the fair value. This is not the first time this has happened with this company. I had already reported them previously for overcharging me {$20.00} in a similar situation, and despite reporting it to Cash App, no solution or reimbursement was provided at that time. 

Due to their repeated negligence and failure to act, I was forced to block the business in my Cash App and cancel any further contact. Despite that, Cash App still allowed this second unauthorized charge to go through, showing a clear lack of security and response for the user. 

I believe this reflects an ongoing failure from Cash App to protect users from abusive or dishonest businesses on their platform. I had already taken all reasonable steps to avoid this situation, but their system did not protect me. I ask that this be investigated and that Cash App be held accountable for their lack of action and for exposing me again to this financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: EQUIFAX, INC.
State: DE

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: Westlake Services, LLC
State: TX

Complaint narrative:
I am filing a formal complaint regarding inaccurate, conflicting, and unverifiable credit reporting related to an auto loan account opened on XX/XX/XXXX, originally with WFS ( Westlake Services ), account ending in XXXX. The account was charged off and closed, but the information being reported across the XXXX major credit bureaus XXXX, XXXX, and XXXX  is inconsistent, factually inaccurate, and misleading XXXX  reports : Balance : {$4600.00} Charge-off date/status updated : XX/XX/XXXX Past due amount : {$4600.00} Last payment date : XX/XX/XXXX Status shows past due as of XX/XX/XXXX, which is misleading since the account is charged off and should not show active delinquency years later. 
XXXX  reports : Balance : {$4600.00} Last payment made : XX/XX/XXXX, for {$3000.00} Past due amount : {$4600.00} Status : Charge-off History shows late marks through XX/XX/XXXX, again despite charge-off. 
XXXX  reports : Balance : {$4500.00} Last payment amount : {$3000.00} Past due : {$4500.00} Original balance : {$8300.00} Charge-off amount : {$4600.00} These contradictions in balance amounts, payment history, and last payment dates are a direct violation of : 15 U.S.C. 1681s-2 ( a ) Data furnishers are required to report accurate information.

15 U.S.C. 1681e ( b ) Credit bureaus must maintain reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) I exercised my right to dispute these inconsistencies directly with each credit bureau, but they verified the accounts without addressing the factual errors or providing any valid evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: LA

Complaint narrative:
I recently was trying to buy a semi truck and noticed I had damages on credit report that where not authorized by me. According to 15 U.S.C 1681 there should not be any damages on my report it is a defamation to my character.

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 2025-07-14 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: MS

Complaint narrative:
Today, I am lodging a complaint to notify you that I have fallen victim to identity theft. I have filed a report with the Federal Trade Commission ( FTC ) at https : //www.ftc.gov, in accordance with FCRA Section 605b, which mandates Credit Reporting Agencies to investigate any items listed on an identity theft report. I have attached documents to facilitate the investigation of erroneous information currently posted on my report. 
Enclosed is a list of items that neither belong to me nor were opened with my permission.

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 2025-07-14 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: CT

Complaint narrative:
I am filing a formal dispute regarding inaccurate and unverifiable credit information being reported on my credit file related to the following account : XXXX XXXX Account Number : XXXX I am the consumer and I am submitting this request personally no third-party company is involved. 

Under FCRA 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy. I am requesting that you provide verifiable proof of this account, such as an original signed contract or a certification from the creditor confirming the accuracy and completeness of the information.

If you are unable to verify this account, it must be deleted immediately as required by federal law.

Additionally, I am requesting : Removal of all non-account-holding inquiries over 30 days old Promotional suppression to prevent unsolicited offers A description of the procedures used to verify the account, provided within 15 days of completing your reinvestigation, as required under FCRA 1681i ( a ) ( 6 ) ( B ) ( ii ).

Failure to verify or act on this request continues to harm my creditworthiness and violates my rights under the FCRA.

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 2025-07-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I am filing a complaint against Capital One due to the unresolved status of XXXX fraudulent charges that appeared on my account. These charges were made on XX/XX/year>, from XXXX in the amounts of {$18.00} and {$61.00}. I have repeatedly attempted to dispute these charges with Capital One, but despite my efforts, they have not been addressed to date. As of this time, they have not even been opened yet - no dispute has ever been shown to be opened on CO 's end, despite my numerous attempts. 

The dispute process with Capital One has been exceedingly difficult due to their lack of email communication options and reliance on phone call-based disputes. As a XXXX individual, phone calls are not always a feasible method of communication for me, and Capital One 's refusal to provide an accessible alternative has caused significant delays in the resolution of this matter. 

I mailed two physical letters to Capital One - a method they suggest and allow to open disputes, I will add - disputing these charges and also reached out to the Consumer Financial Protection Bureau ( CFPB ) previously regarding this issue. However, as of XX/XX/year>, I still see the disputed charges on my account, and Capital One has failed to remove them or take appropriate action. In addition to these unresolved disputes, I have been unfairly assessed late fees and interest charges for not making payments on these fraudulent charges, which I am not responsible for. 

Due to a series of personal challenges, including a significant illness and the traumatic passing of my father in XX/XX/year>, I have not been able to continuously follow up with Capital One as frequently as I would have liked. However, these challenges do not excuse Capital One 's failure to address this issue, and I am now urgently requesting a resolution. 


I respectfully request that this issue be investigated and resolved as promptly as possible, and that Capital One takes immediate action to prevent further harm to my financial well-being. 

Thank you for your attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Federal Complaints Filed Unverified Account Still Reporting ( XXXX ) Dear [ TransUnion Experian or Equifax ], I am following up regarding the disputed XXXX  XXXX account ( # XXXX  ), which remains on my report without proper verification. 

I have now filed formal complaints with the Federal Trade Commission ( FTC Report # XXXX ) and the Consumer Financial Protection Bureau regarding their continued violation of FCRA 1681i and FDCPA 809 ( b ). 

I am requesting that your bureau immediately delete this account from my credit report to remain in compliance with federal law and avoid regulatory consequences. 

Thank you, XXXX XXXX XXXX : XX/XX/year>XXXX  | XXXX : XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a request for the correction of inaccurate data on my credit report. One of the other credit reporting agencies has verified the inaccuracies and removed the information, yet your bureau has not taken the same steps. Due to your lack of response, or an insufficient response, it is clear that the Credit Bureaus have not fulfilled their obligations under FCRA regulations. I need the following accounts corrected without delay : 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

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 2025-07-14 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: FL

Complaint narrative:
I previously submitted a request for the correction of inaccurate data on my credit report. One of the other credit reporting agencies has verified the inaccuracies and removed the information, yet your bureau has not taken the same steps. Due to your lack of response, or an insufficient response, it is clear that the Credit Bureaus have not fulfilled their obligations under FCRA regulations. I need the following accounts corrected without delay : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: CA

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable account on my credit report. Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureaus ( Experian, Equifax and TransUnion ) are required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable. Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ). The CFPBs XX/XX/year> enforcement action against Equifax ( resulting in a {$15.00} XXXX penalty ) confirms that these automated or superficial checks do not meet the reinvestigation requirements of the law. I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. XXXX XXXX XXXX XXXX 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 2025-07-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX  BALANCED {$260000.00} XXXX XXXX BALANCED {$0.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX  XXXX BALANCED {$9800.00} - XXXX XXXX XXXX XXXXXXXX BALANCED {$6500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: GA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX  BALANCED {$260000.00} XXXX XXXX BALANCED {$0.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX  XXXX BALANCED {$9800.00} - XXXX XXXX XXXX XXXXXXXX BALANCED {$6500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX 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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have previously requested the correction of inaccurate information on my credit report, which has been verified as incorrect by another credit reporting agency. However, due to your lack of response or the response being deemed frivolous, it is clear that the Credit Bureaus have failed to uphold FCRA regulations and fulfill my request for proper verification. I am requesting that these errors be rectified immediately to ensure accurate records. Below is the list of accounts for your review : XXXX  XXXX XXXX Balance : {$310.00}

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