vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Re : Dispute of Inaccurate Screening Report To Whom It May Concern : I am submitting a dispute regarding inaccurate information contained in my tenant screening report. 
Issues identified : XXXX XXXX XXXX XXXX XXXX  is reported as a charge-off, though this is inconsistent with bureau data XXXX 
Civil court history and risk scoring appear incorrect or incomplete. 
I request a complete reinvestigation and corrected copy of my report.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing a late payment that is being reported inaccurately on my credit file. I previously submitted a dispute and requested a reinvestigation, but the credit reporting agency stated that the furnisher verified the information without providing any documentation or proof. I was not contacted for clarification, and no supporting evidence was provided to show that the late payment actually occurred.

Because the information was verified without a proper investigation, this appears to be a failure to conduct a reasonable reinvestigation as required under the FCRA. I am requesting that the late payment be fully reinvestigated and that documentation be provided to support its accuracy. If the furnisher can not verify the information with actual evidence, I am requesting that it be corrected or removed.

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 2025-11-20 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: FL

Complaint narrative:
I am filing a formal complaint regarding significant inaccuracies, duplicative accounts, and unauthorized inquiries reported across my credit files with Experian, Equifax, and TransUnion, which violate multiple provisions of the Fair Credit Reporting Act ( FCRA ). Specifically, my account with XXXX XXXX XXXX XXXXXXXX ) is erroneously reported as a late closed account with a {$0.00} balance on Experian, and XXXX XXXXXXXX is reported twice as a late closed account with a {$0.00} balance. On Equifax, XXXX appears with a {$0.00} balance, and TransUnion lists it under the same name with a partial account number and {$0.00} balance, which constitutes duplicative reporting. These entries violate FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) for failure to maintain maximum possible accuracy. Additionally, an unauthorized inquiry by XXXX on XX/XX/year> appears on my Equifax report, for which I did not provide authorization. This violates FCRA 604 ( a ) and 605 ( a ) ( 15 U.S.C. 1681b ( a ), 1681c ( a ) ) as it lacks a permissible purpose. These repeated errors also infringe upon my rights under FCRA 602 ( a ) ( 15 U.S.C. 1681 ), which requires consumer reporting agencies to ensure accurate reporting, 611 ( a ) ( 15 U.S.C. 1681i ( a ) ) regarding proper reinvestigation of disputes, 623 ( a ) ( 15 U.S.C. 1681s-2 ( a ) ) requiring furnishers to report accurate information, and 1681g ( a ) & 1681h ( f ) concerning my right to access and dispute information in my credit file. Therefore,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: FL

Complaint narrative:
I am filing a formal complaint regarding significant inaccuracies, duplicative accounts, and unauthorized inquiries reported across my credit files with Experian, Equifax, and TransUnion, which violate multiple provisions of the Fair Credit Reporting Act ( FCRA ). Specifically, my account with XXXX XXXX XXXX XXXXXXXX ) is erroneously reported as a late closed account with a {$0.00} balance on Experian, and XXXX XXXXXXXX is reported twice as a late closed account with a {$0.00} balance. On Equifax, XXXX appears with a {$0.00} balance, and TransUnion lists it under the same name with a partial account number and {$0.00} balance, which constitutes duplicative reporting. These entries violate FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) for failure to maintain maximum possible accuracy. Additionally, an unauthorized inquiry by XXXX on XX/XX/year> appears on my Equifax report, for which I did not provide authorization. This violates FCRA 604 ( a ) and 605 ( a ) ( 15 U.S.C. 1681b ( a ), 1681c ( a ) ) as it lacks a permissible purpose. These repeated errors also infringe upon my rights under FCRA 602 ( a ) ( 15 U.S.C. 1681 ), which requires consumer reporting agencies to ensure accurate reporting, 611 ( a ) ( 15 U.S.C. 1681i ( a ) ) regarding proper reinvestigation of disputes, 623 ( a ) ( 15 U.S.C. 1681s-2 ( a ) ) requiring furnishers to report accurate information, and 1681g ( a ) & 1681h ( f ) concerning my right to access and dispute information in my credit file. Therefore,

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 2025-11-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: MS

Complaint narrative:
I disputed multiple times .. claiming that these accounts were opened fraudulently and mention that I wanted to proof that I actually opened the account and if can't provide that it has to be removed from my credit. 

I never received any proof. And it's not being take off my credit. And I keep receiving emails asking me to pay. And I lose the dispute. 

I disputed multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XXXX XXXX XXXX I placed an order with XXXX using my PayPal Credit account for approximately {$810.00} USD. The XXXX driver left the package outside my building in an unsecured location with no signature required. I have video proof of the driver leaving the package and of the package being stolen shortly after. I immediately filed a theft report with the police and contacted XXXX to resolve the issue. 

XXXX refused to refund me and only provided a GPS delivered claim even though the package was stolen due to improper delivery and not received by me. I opened a dispute with Synchrony Bank ( PayPal Credit ). Synchrony initially credited the full amount back to my account, acknowledging the dispute, but later reversed the credit and re-added the charge based only on the merchants GPS response. They ignored my police report and video evidence. 

Since then, I have repeatedly contacted Synchrony and provided all documents requested, including the police report, screenshots, and dispute case information. They continue to delay, telling me the investigation would take up to 60 days, but no resolution has been provided. The dispute has been repeatedly closed and reopened without anyone properly reviewing my evidence. 

Because of these delays, interest and fees were repeatedly added and removed from my account, and I have paid ongoing minimums in good faith to avoid damage to my credit. This has caused financial harm, confusion, and stress over a situation that was not my fault. 

I am requesting the following : Removal of the disputed {$810.00} charge permanently Refund of all related interest and fees associated with this dispute Correction of any negative reporting to the credit bureaus A final written resolution acknowledging that I never received the merchandise The product was stolen. I have been asking for help for two years and have provided all evidence multiple times. The case was mishandled and remains unresolved.

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 2025-11-20 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
Cashapp is the company, The date was XX/XX/XXXX, I sent XXXX dollars to disclosed person expecting to receive something in return but turns out the product was never sent and I was in the midst of a scam. I have tried contacting cashapp already but there customer service is no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : 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 2025-11-20 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I have an account with Barclay 's banking. I am an authorized user on the account, and last year it was taken off of my credit report without consent and without a reason why, which brought my credit score down and my credit history down as well. I have tried contacting XXXX  and they have said they would fix the problem however it has been over a year and I have had no solution. I have contacted them multiple times, including Barclay 's. Both companies have said they will fix the problem but have yet to do so which has affected my credit score. I got a letter in the mail saying the dispute I have submitted for the account was solved, but they completely removed it as a solution which is not what I wanted.

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 2025-11-20 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:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Abra
State: NC

Complaint narrative:
I am a US citizen living in the XXXX writing to formally escalate a critical and unresolved issue regarding my account with Abra ( Plutus Financial , Inc. ), a US regulated virtual asset service provider. 

Despite multiple support tickets and direct outreach, I have received no communication from Abra which is concerning because : 1 ) My XXXX ( XXXX ) balance has gone missing from my Abra wallet, with no outbound transactions or withdrawals to account for the loss. 
2 ) Multiple support tickets ( Ticket ID : XXXX, XXXX ) have received no response. 
3 ) My account was opened via XXXX of the XXXX digital onboarding partnership with Abra. 
4 ) I am a verified Abra account holder Regulatory Context : Abra is subject to US federal and state oversight ( including the Bank Secrecy Act, XXXX requirements, and California XXXX regulations ), as well as XXXX  regulations via XXXX and SEC. I assume that these frameworks require strict asset protection, transparency, and prompt dispute resolution. 

Formal Requests : 1. Written confirmation of my verified KYC status.

2. Complete export of all account data ( transaction history, login records, device/IP logs, system actions related to XXXX balance XXXX. 
3. Certified, itemized account statement for XX/XX/XXXX to XX/XX/XXXX. 
4. Immediate formal investigation and written findings.

5. Written confirmation of XXXX custodial obligations and insurance/protections for customer assets.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I found several items on my credit report that are inaccurate, fraudulent, or do not belong to me. These accounts and negative marks were reported without my authorization, and I have never opened or agreed to any of the accounts being listed. Some entries show incorrect balances, wrong dates, or payment histories that do not reflect my actual activity. 

When I discovered these issues during a recent review of my credit report, I attempted to resolve the matter by checking for any communication or verification from the companies involved, but none was provided. Because these items are incorrect and damaging to my credit, I am requesting that they be fully investigated and removed as required 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 2025-11-20 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: Block, Inc.
State: KS

Complaint narrative:
So I wanted to make a appeal with you guys since I did have a cashapp account with you guys but you guys ended up closing it after telling me I violated the terms of service which I did go back to those and reviewed and read and noticed that I didnt even violate the terms of service. I did file a couple of fraud disputes with you guys which all those claims/disputes were denied as I was being told that I authorized that transaction after that last fraud dispute that was denied that was when I was being told that my account was being permanently closed due to violating the terms of service and that I wont be able to create any more accounts with you guys using my information which I understand but I did not violate the terms of service. as I read through them and didnt say that if you you dispute a transaction for fraud/unauthorized and that if it gets denied while its getting reviewed that your account will end up permanently closing meaning being banned from using cashapp on my XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : 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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this letter as a formal dispute of several addresses currently appearing on my credit report that I believe to be inaccurate, unverifiable, or improperly reported. These addresses do not align with my verified personal or financial records and may indicate file-mixing or identity-related errors. Their presence has negatively affected the accuracy and integrity of my credit profile. 


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 2025-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: TX

Complaint narrative:
After filing my initial CFPB complaint, I have now received two additional responses from Cash App Support, and both messages were identical template replies that did not address my issue. These emails were received after my CFPB complaint was submitted, but they repeated the same scripted statements such as, Cash App can not reverse loan payments or the applicable fee ( s ), without reviewing any of the evidence I previously provided.

None of these replies acknowledged the accidental nature of the loan creation, the immediate repayment within 12 minutes, or the fact that the finance fees were unearned because the loans were never used as credit. Instead, Cash App continued explaining general information about how XXXX loans work, which is not responsive to the actual problem. 

These repeated template emails further confirm that : Cash App is not conducting a reasonable investigation. 
Cash App is not reviewing the screenshots, timestamps, or explanation I submitted. 
Cash App did not escalate my concern to compliance in a meaningful way. 
Cash App appears to rely on automated or scripted responses rather than the required individualized review. 

Additionally, after filing my complaint, I paid off another XXXX purchase early and received a partial fee refund from Cash App. This contradicts their claim that loan payments or fees can not be reversed. Their own system refunded fees for another loan I paid early, which demonstrates that fee reversals are possible within their system and undermines the reasoning behind their refusal to refund the {$20.00} in finance fees charged on the loans that were created accidentally and repaid immediately. 

This pattern of non-responsive emails and refusal to investigate supports my concern that Cash App is not complying with its obligations under federal law, including the requirement to conduct a meaningful investigation into consumer-reported errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account XXXX on XXXX XXXX XXXX without providing a specific justification for violating the Terms of Service. The account was closed after I received {$150.00} USD for the sale of 5 digital videos. I submitted all the requested supporting documents, but the decision was applied without any right to appeal or defense. My funds, totaling {$150.00} USD, have been retained for 180 days. 
They also said that Ihad changed my adress but I did not. 
My activity on PayPal is limited to receiving legitimate payments for [ indicate the exact nature of the videos, e.g., original graphic design content, educational videos, etc. ]. The transactions received correspond to the Sale of Digital Goods and Services, and they do not represent any fraudulent activity or a violation of the Acceptable Use Policy. 
Despite having provided all the required supporting documents, the account was closed without clear explanations and without any right to argue my position. I formally request, according to user service policies, a detailed, written explanation of the specific section of the Terms and Conditions that was deemed violated, as the received communication does not specify this. 
I have attempted to make the clarification or claim to PayPal, but it does not allow me to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: NC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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