vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Under the FCRA 15U.S.C 1681b remove this unauthorized hard inquiry immediatly is violation federal law XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: OK

Complaint narrative:
I am sending regarding the results of the recent dispute I submitted concerning the accuracy and completeness of the information being reported on my credit file. I appreciate your investigation, but I disagree with the outcome, as the items listed below were returned as " verified '' without providing me with the details of the investigation. 

Items : 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 XXXX XXXX XXXX XXXX INQUIRY XXXX XXXXXX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year> In accordance with the Fair Credit Reporting Act ( FCRA ) & undefined ; 611 ( a ) ( 7 ), I am requesting the method of verification used to determine the accuracy of the disputed items. Please provide the following information for each disputed account : The name, address, and contact information of the entity that provided the information you used to verify the account.

A description of the procedures used to verify the accuracy and completeness of the disputed account. 
All documentation you have on file retrieved during your investigation.

Who did you interview regarding the aforementioned account?

Additionally, I must note that the creditor failed to report the dispute to the consumer reporting agencies as required under FCRA & undefined ; 623 ( a ) ( 3 ). This failure to provide notice of the dispute is a violation of the FCRA, which further undermines the integrity of the reported information.

I am requesting proof that an actual investigation was indeed conducted and all of the above-requested documentation be sent to me, by mail, within 5 business days! Given the lack of proper verification and the violation of FCRA obligations, I also request that this account be deleted immediately from my credit report to prevent any further damage to my financial well-being. & undefined ; under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; such amount of punitive damages as the court may allow ; and in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney & undefined ; s fees as determined by the court.

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 2025-10-06 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: OK

Complaint narrative:
I am sending regarding the results of the recent dispute I submitted concerning the accuracy and completeness of the information being reported on my credit file. I appreciate your investigation, but I disagree with the outcome, as the items listed below were returned as " verified '' without providing me with the details of the investigation. 

Items : 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 XXXX XXXX XXXX XXXX INQUIRY XXXX XXXXXX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year> In accordance with the Fair Credit Reporting Act ( FCRA ) & undefined ; 611 ( a ) ( 7 ), I am requesting the method of verification used to determine the accuracy of the disputed items. Please provide the following information for each disputed account : The name, address, and contact information of the entity that provided the information you used to verify the account.

A description of the procedures used to verify the accuracy and completeness of the disputed account. 
All documentation you have on file retrieved during your investigation.

Who did you interview regarding the aforementioned account?

Additionally, I must note that the creditor failed to report the dispute to the consumer reporting agencies as required under FCRA & undefined ; 623 ( a ) ( 3 ). This failure to provide notice of the dispute is a violation of the FCRA, which further undermines the integrity of the reported information.

I am requesting proof that an actual investigation was indeed conducted and all of the above-requested documentation be sent to me, by mail, within 5 business days! Given the lack of proper verification and the violation of FCRA obligations, I also request that this account be deleted immediately from my credit report to prevent any further damage to my financial well-being. & undefined ; under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; such amount of punitive damages as the court may allow ; and in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney & undefined ; s fees as determined by the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I am requesting an investigation into inaccurate and potentially unverifiable information being reported on my credit file. Under 1681i, the credit bureaus are obligated to conduct a reasonable investigation and remove or correct any item that can not be verified. I respectfully request the immediate deletion of all accounts that fail to meet these legal requirements.

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 2025-10-06 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: NC

Complaint narrative:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I am requesting an investigation into inaccurate and potentially unverifiable information being reported on my credit file. Under 1681i, the credit bureaus are obligated to conduct a reasonable investigation and remove or correct any item that can not be verified. I respectfully request the immediate deletion of all accounts that fail to meet these legal requirements.

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 2025-10-06 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: Block, Inc.
State: AR

Complaint narrative:
On XX/XX/2025 a Transaction to my Cash app account was made for {$990.00}. I do not recognize this charge after reviewing my other accounts I noticed charges across those accounts as well and spoke to those banks to refund and new cards. Cash app Denied the refund stating that the transaction " Appears to have come from a device you own or was in your possession '' I have reiterated to Cash app that these this charge happened because my XXXX pay was compromised and I have spoken with other banks to get my money back. Cash app still denies dispute and has not been transparent in this process following Recent CFPB Rulings against Cash app/Block against fraudulent charges and have refused to investigate disputes in a manner which protects the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute the accuracy, completeness, and legitimacy of the above-referenced account appearing on my credit report. This account is being reported as derogatory and marked as Customer disputed account reported by subscriber, yet the creditor, XXXX XXXX, has no record or knowledge of this account. 

I personally contacted XXXX XXXX directly, and during a recorded phone call, their representative confirmed that they have no record, file, or knowledge of this account whatsoever. This raises serious concerns about the accuracy of this information and whether it has been fraudulently or mistakenly reported.

Under FCRA Section 609 ( a ) ( 1 ), I am requesting that you provide all documentation used to verify this account including any original signed agreements, payment history, and records affirming that I am legally responsible for this debt.

Under FCRA Section 611 ( a ), you are required to conduct a reasonable reinvestigation of disputed information within XXXX  days. If the furnisher ( XXXX XXXX ) can not provide proper verification, the account must be deleted immediately.

Furthermore, under FCRA Section 623 ( a ) ( 3 ), furnishers are prohibited from reporting information they know or have reason to believe is inaccurate. Since XXXX has confirmed they have no knowledge of this account, continued reporting violates federal law. 

In addition, if this debt has been sold, assigned, or transferred to any collection agency, I am demanding proof of my express consent or contractual agreement authorizing such a transfer. Under the Fair Debt Collection Practices Act ( FDCPA ), no third party may collect or report a debt without proper legal assignment and notice to the consumer. Therefore, I am requesting full documentation showing : 1. The legal sale or transfer of this account, and 2. My written consent or agreement to such transfer.

If you can not provide complete verification and lawful documentation supporting this account, I demand that it be deleted from my credit report immediately and that I receive written confirmation of the deletion. 

Thank you for your prompt attention to this matter. I expect your reinvestigation results and documentation within the XXXX  days required by 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 2025-10-06 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: NY

Complaint narrative:
Social security number is XXXX on equifax and experian trans union the negative accounts that are past due supposed to be removed right away their is a federal trade commission identity report on file normally they are removed right away even if its under dispute

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 2025-10-06 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, GA XXXX Date : XX/XX/year> To : [ Experian / XXXX XXXX XXXX  ] Re : Formal Reinvestigation Request Under 15 U.S.C. 1681i Account : XXXX XXXX Bank XXXX / XXXX Acct # XXXX XXXX XXXX XXXX  To Whom It May Concern : I am writing to formally request a reinvestigation of the above-referenced account. This item was previously reported as verified as accurate, but no documentation was provided to substantiate this claim. 

Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to conduct a reasonable reinvestigation. I am demanding that you provide : A copy of the original signed contract, A complete payment history, and All records used by the furnisher to verify the accuracy of this account. 

Simply marking the account verified without documentation does not meet the standard of a reasonable investigation under federal law. If you can not obtain and provide this proof, you are required to delete the item from my credit file. 

Enclosed are supporting documents related to my dispute [ attach doctor/insurance paperwork if you wish ]. 
Aa Please complete this reinvestigation within 30 days, as required by law. 

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 explanation
Consumer complaint received 2025-10-06 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:
This is a follow-up notice to my previous dispute concerning inaccurate and misleading accounts that remain on my credit report. Despite my earlier request, these items were not deleted, and their continued appearance is damaging and unlawful. 
The accounts are XXXX XXXXXXXX XXXX XXXX with a Balance Owed : {$0.00}, and XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  with a Balance Owed : {$0.00}. * * Both are listed as late closed, yet each carries a XXXX balance and no open obligation. Reporting these accounts in any negative status is inaccurate, unverifiable, and harmful. 
Under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), I have the right to dispute information that is incomplete or inaccurate, and you are required to conduct a reasonable reinvestigation. Because these accounts remain unverifiable and factually misleading, they must be deleted in full not updated or corrected. 
Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting any information they know or should know is inaccurate. Continuing to report these closed, zero-balance accounts as derogatory clearly violates this provision.

According to FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), you are required to ensure maximum possible accuracy in every consumer file. Allowing these entries to remain after prior notice fails that legal duty. Lastly, under 605B / 15 U.S.C. 1681c-2, any unverifiable or disputed item must be blocked or permanently deleted from a consumers credit report once challenged.

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 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 
Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 
I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: OR

Complaint narrative:
I am filing a formal complaint against Cash App ( Block, Inc. ) for withholding my funds ( {$710.00} ) for approximately XXXX years, despite providing all requested verification and documentation. The failure to release these funds has caused severe financial hardship, including XXXX  during the end of XXXX pandemic, loss of a vehicle, and significant emotional distress. 

Additional context : - I have personally contacted Cash App for years, submitting multiple complaints and following up repeatedly, with no resolution. 
- Before losing access to my account, I provided details of the cards linked to the Cash App account. 
- I subsequently lost my vehicle ( impounded ) and belongings stored in it after being kicked out of my residence due to inability to pay rent. 
- The withholding of funds and prolonged unresolved status severely worsened these circumstances. 

Details : - Amount withheld : {$710.00} - Transactions : {$500.00}, {$160.00}, and {$50.00} from XXXX XXXX and XXXX XXXX - Dates : Approximately XXXX years ago to present - Communications : Repeated assurances of resolving the issue, followed by ongoing withholding due to purported security breaches- Damages claimed : Interest on the withheld amount ( ~ {$190.00} at XXXX XXXX /yr ), documented losses approx. {$13000.00}, and emotional distress Requested resolution : XXXX ) Release of {$710.00} promptly plus accrued interest. 
XXXX ) Compensation for documented losses and emotional distress. 
XXXX ) Clear remediation steps to prevent recurrence and improved customer verification recovery processes. 

Please investigate and assist in mediating a fair resolution with Cash App. I have been pursuing this for years through direct inquiries and complaints, and I request your support to achieve a timely closure. I can provide supporting documentation upon request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: IL

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, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
This complaint is regarding the lender-placed insurance for Loan Number XXXX. Mr Cooper obtained lender-placed insurance from XXXX insurance  on XX/XX/year> and paid owner purchased insurance on XX/XX/year>, both through escrow. Mr Cooper then never cancel or refund the lender-placed insurance till today. I found out there are two hazard insurances on my property in XX/XX/year> because monthly escrow payment kept increasing. I called Mr Cooper customer service on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and spent hours going through different departments and agents. In each call Mr Cooper 's agents acknowledged the situation and with an open case/escalation, they have not been able to resolve the issue, all with the same excuse which is they can not get a hold of the insurer. They would only refund me if they get the money back from XXXX first. In other words, if XXXX keeps ignoring Mr Cooper, Mr Cooper can not do anything other than keeps " following up '' on my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: NY

Complaint narrative:
Social security number is XXXX on equifax and experian trans union the negative accounts that are past due supposed to be removed right away their is a federal trade commission identity report on file normally they are removed right away even if its under dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: OR

Complaint narrative:
I filed a dispute for a faulty product I financed with them and they are trying to stick me with the bill. The product I got does not work. Is not servicable. They are not accepting their responsibility.

Company response to consumer: Closed with explanation