vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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: MS

Complaint narrative:
The credit reporting agencies have continued to report inaccurate, incomplete, and unverified information on my consumer report. Despite prior disputes and multiple written notices, they failed to conduct a meaningful investigation. Instead, they sent generic responses claiming the data was verified without providing any actual method of verification or confirming that they contacted the data furnisher directly. 

I took all proper steps to notify them, including submitting disputes in writing with detailed evidence. They ignored my documentation, failed to remove the false data, and rubber-stamped the accounts as accurate without lifting a finger to validate anything. This is a complete failure on their part to perform their duty to maintain accurate consumer data. 

This has caused direct and ongoing harm to my financial standing, including denials for credit, higher interest rates, and reputational damage. I demand immediate deletion of the inaccurate information and a full re-investigation. If they cant prove it with actual evidence from the furnisher, the item needs to be permanently removedno more delays, no more excuses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: MS

Complaint narrative:
The credit reporting agencies have continued to report inaccurate, incomplete, and unverified information on my consumer report. Despite prior disputes and multiple written notices, they failed to conduct a meaningful investigation. Instead, they sent generic responses claiming the data was verified without providing any actual method of verification or confirming that they contacted the data furnisher directly. 

I took all proper steps to notify them, including submitting disputes in writing with detailed evidence. They ignored my documentation, failed to remove the false data, and rubber-stamped the accounts as accurate without lifting a finger to validate anything. This is a complete failure on their part to perform their duty to maintain accurate consumer data. 

This has caused direct and ongoing harm to my financial standing, including denials for credit, higher interest rates, and reputational damage. I demand immediate deletion of the inaccurate information and a full re-investigation. If they cant prove it with actual evidence from the furnisher, the item needs to be permanently removedno more delays, no more excuses.

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 2025-07-24 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-24 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: AZ

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my XXXX XXXX, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others XXXX stem from clerical mistakes or internal processing delays that were never communicated to me. 

The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

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 2025-07-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
To Whom It XXXX Concern : I previously disputed this debt pursuant to the FDCPA. However, it has come to my attention that your company : XXXX. Is not registered or licensed with the * * Florida XXXX XXXX XXXX XXXX * * as required under * XXXX XXXX. XXXX * ; XXXX. Is therefore collecting in violation of * * Florida law and the FDCPA * *. 

Because you are not licensed in Florida, you are * * not authorized * * to collect consumer debts in this state. I demand : That you immediately * * cease all collection activity * * on this account, That you * * remove any negative credit reporting entries * * you have made to any credit bureaus, That you * * provide proof * * of your Florida licensing/registration * * within 10 days * *, And confirm in writing that this alleged debt is * * permanently closed and removed * * from your records. 

If you do not comply, I am prepared to file formal complaints with : Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), Florida Attorney General, Florida XXXX XXXX XXXX XXXX, And pursue legal remedies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: GA

Complaint narrative:
I am submitting this formal complaint as a verified victim of identity theft. I filed an FTC Identity Theft Report ( # XXXX on XX/XX/year> ) and submitted this documentation to Experian, TransUnion, and Equifax. Under the Fair Credit Reporting Act ( FCRA ) 605B, each bureau was required to block the fraudulent information from my credit file within four ( 4 ) business days. They have failed to do so. 

The following accounts were fraudulently opened or reported without my knowledge, consent, or benefit : XXXX XXXX - {$1200.00} XXXX XXXX XXXX - {$770.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$240.00} XXXX XXXX XXXX - {$180.00} These accounts continue to appear on XXXX or more of my credit reports despite : 1. My submission of a valid FTC Identity Theft Report, 2. Written disputes and removal requests, 3. Lack of any verified or validated documentation from the data furnishers or credit bureaus, 4. No proof of contract, application, IP, or account access linked to me.

This is a direct violation of : FCRA 605B ( Failure to block fraudulent data ) FCRA 611 ( Failure to conduct proper reinvestigation ) FCRA 607 ( b ) ( Failure to maintain maximum accuracy ) FCRA 623 ( a ) ( 6 ) ( Reporting information after knowledge of fraud ) I request that the CFPB enforce immediate removal of all listed accounts and hold Experian, Equifax, and TransUnion accountable for ongoing harm and non-compliance. This identity theft has caused significant emotional and financial distress. Continued reporting is unlawful and must be addressed with urgency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company
State: CA

Complaint narrative:
I took out a loan on or around XX/XX/year> with a company called Elk Lending for {$1000.00}. The loan agreement disclosed an interest rate of 599.22 % APR. 

I have made two on-time payments of {$240.00} each, totaling {$490.00} as of XX/XX/year>. Despite this, the outstanding balance remains {$1600.00}, which is higher than the original loan amount. None of my payments appear to have reduced the principal. 

I was not adequately informed of how this interest rate would affect my repayment or that my balance could remain unchanged after making such large payments. I believe this may constitute unfair or predatory lending practices. 

I have contacted the lender to request a breakdown of how my payments have been applied and to explore options for early payoff or settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I filed a formal dispute on XX/XX/year> with Equifax to correct my personal information and the inaccuracies being reported on my credit report. It has been well over XXXX days and still the inaccuracies exist.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I filed a formal dispute on XX/XX/year> with Equifax to correct my personal information and the inaccuracies being reported on my credit report. It has been well over XXXX days and still the inaccuracies exist.

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 2025-07-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/year>, PayPal issued a refund of $ [ amount ] to my Cash App debit card ending in XXXX. The refund shows as completed on PayPal 's end, and the funds were supposedly returned to the original card. However, I never received the money in my XXXX XXXX account. 
I contacted both PayPal and Cash App multiple times. PayPal insists the funds were sent successfully and gave me no further help when I asked for the ARN ( Acquirer Reference Number ). Cash App claims they have no record of receiving the funds.

I am stuck between two companies blaming each other, and $ [ amount ] of my money is lost. I have screenshots of the refund confirmation from PayPal and proof from Cash App that the funds are not in my account. Neither side is accepting responsibility or escalating the matter properly.

Im requesting that the CFPB investigate this matter and help me recover the refund that is owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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:
Dear Consumer Financial Protection Bureau, This correspondence is a formal legal demand concerning the unlawful reporting of a charged-off account that continues to reflect an active balance on my credit report in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and relevant federal case law Legal Argument and Demand for Immediate Correction Upon my detailed review, I have identified that the subject creditor is reporting a charged-off account while simultaneously maintaining and updating an active balance. This reporting practice is legally impermissible and materially misleading, constituting willful or negligent noncompliance with FCRA obligations. A charge-off is a declaration by the original creditor that the debt is uncollectible and has been written off as a loss. Once a debt is charged off, the creditor relinquishes the right to continue reporting the obligation as an open, active, or collectible balance. The continued reporting of a balance on a charged-off debt misrepresents the legal status of the account and causes direct harm to the consumer 's creditworthiness. 
FCRA Violations Cited : 1. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) - Furnishers of information must report complete and accurate data. 
2. 15 U.S.C. 1681e ( b ) - Credit reporting agencies must " follow reasonable procedures to assure maximum possible accuracy. '' 3. 15 U.S.C. 1681i ( a ) - Upon notification of a dispute, CRAs must reinvestigate and correct inaccurate, incomplete, or unverifiable information. 
Supporting Case Law : - XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXXXXXX. XXXX ) - XXXX v. 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 ) Requested Relief : I hereby demand the immediate removal or correction of any active balance associated with the charged-off account ( s ) in question. Further, if your investigation determined that the information was verified, I request : 1. The exact method of verification used. 
2. Copies of all original documentation used to substantiate the charge-off and continued balance reporting.

3. Proof of a 1099-C issued, bill of sale, and chain of custody to show ownership and validation of debt.

4. The name and address of the data furnisher who verified the balance and its legal status

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The inquiries listed were not authorized by me and may indicate fraud. Please take urgent steps to address and correct this issue. Enclosed you will find documentation.

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 2025-07-24 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:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-24 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:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. 

The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

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 2025-07-24 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: NV

Complaint narrative:
I am unaware of these credit inquiries, which raises concerns of possible fraud. I ask for immediate review and correction. Enclosed are supporting materials for your consideration.

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 2025-07-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: OK

Complaint narrative:
I have not been able to speak with anyone about the terms of my account since the end of 2024. They will not give me information about my account without my full social security # which I did not give them and do not give out over the phone. They made up an account # assigned it to me and refuse to give it to me. I can not access my account without it they are trying to force me to create an online account which I will not do. They refuse to send documentation to my address on file or to my email on file. Yet I get updates from them which they claim should have my account # on them. Im starting to wonder if the account number is generated when you make an online account and if I even have one with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: OK

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life.

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: OK

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life.

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history.

Thank you for your attention to this matter.

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