vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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: TX

Complaint narrative:
I am filing this complaint against Equifax , Inc., for repeated violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, 1681e, and related provisions, relating to my disputes submitted on XX/XX/year> ( received by Equifax via USPS certified mail ). 

Despite submitting proper documentation to dispute inaccurate items on my consumer report, Equifax has engaged in repeated illegal stalling tactics, including sending a letter dated XX/XX/year>, requesting the same documents I have already provided multiple times. Equifax has thus : Failed to conduct a complete and reasonable investigation within the 30-day timeframe required under 15 U.S.C. 1681i ( a ) ( 1 ).

Repeatedly requested duplicative documents, delaying resolution in violation of 15 U.S.C. 1681i ( a ) ( 2 ) ( A ).

Violated my rights under FCRA by failing to notify furnishers, review relevant information, and correct inaccurate data in a timely manner. 

These repeated failures constitute noncompliance with FCRA, causing ongoing harm by maintaining disputed and potentially inaccurate information on my consumer report. 

Requested Relief : I request that the CFPB investigate Equifax for these violations and compel the following corrective actions : Conduct a full and proper investigation of all disputes I submitted on XX/XX/year>, without requesting duplicative documentation. 

Remove all inaccurate or unverifiable items from my consumer report as required under 15 U.S.C. 1681i ( a ) ( 5 ). 

Ensure Equifaxs future compliance with FCRA obligations to conduct timely and complete investigations and refrain from stalling tactics. 

Enclosed are copies of my certified mail receipt, dispute letters, and Equifaxs XX/XX/year> letter for reference. 

Thank you for your attention to this matter. I trust the CFPB will take appropriate action to enforce my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: MD

Complaint narrative:
I reviewed my credit report and found multiple accounts being reported inaccurately or fraudulently. The following accounts are in error : XXXX XXXX XXXX last reported XX/XX/XXXX closed, {$100.00} past due, reported as charge-off XXXX XXXX XXXX XXXX XXXX  XXXX reported XX/XX/XXXX closed auto loan, reported as repossession, {$15000.00} balance ) XXXX XXXXXXXX XXXX XXXX XXXX reported XX/XX/XXXX secured loan, marked late though paid off ) XXXX XXXX XXXX  ( last reported XX/XX/XXXX secured loan, shows derogatory even though account is current/paid ) XXXX XXXX XXXX, XXXX XXXX {$1500.00} XXXX XX/XX/XXXX in collections ) XXXX XXXX XXXXXXXX XXXX XXXX {$640.00} XXXX XX/XX/XXXX in collections ) XXXX XXXX XXXX XXXX {$210.00} reported XX/XX/XXXX in collections ) I did not authorize or open some of these accounts, and the reporting is inaccurate and damaging my credit. Several accounts show false derogatory information, misapplied late payments, or status errors. 
These errors violate the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) because the information is inaccurate and has not been corrected despite being disputed. 
I am requesting that the CFPB require the credit reporting agencies ( Experian, Equifax, TransUnion ) and the reporting creditors/collectors to : Fully reinvestigate each of these accounts. 
Delete any unverifiable, fraudulent, or inaccurate information. 
Provide me with updated credit reports showing corrections. 
These false records are harming my credit, blocking access to housing, banking, and financing. I demand immediate correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: MO

Complaint narrative:
When called titlemax in XXXX Mo, to talk about a solution was given rude customer service and shoved off. XXXX who originated the loan knew about my XXXX and fixed income situation, i was manipulated and swayed to sign the contract and to accept " advice '' about receiving the loan that i needed to furnish my rented room in my apartment, i have paid over 200 % interest for the last two or over two years with no hope in paying off loan and securing my vehicle that i need to commute to work part time. it has caused extreme stress, hopelesness, pain, and lack of basic human rights, like food, toothepaste, water, and other things that this predatory high interest loan that was thrust upon me has taken away from one of our countries most vulnerable. i am disgusting by these buisness practice and demand Justice. 

Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: IN

Complaint narrative:
Have not answered their customer service line in at least a month. Can't get a hold of anyone to order a new card or close the account and request a check. How do we get in contact with direct express? I've been trying for at least a month and accoulding to online they have stopped answering the phones how do we access our social security if we can't get a card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: MS

Complaint narrative:
Santander USA is reporting 12 late payments for an auto loan on the dates listed below. Contacted company repeatedly with no removal, even though account was on autodraft at this time. 

XX/XX/XXXX XX/XX/XXXXXXXX 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 2025-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I reviewed my credit report and found multiple accounts being reported inaccurately or fraudulently. The following accounts are in error : XXXX XXXX XXXX last reported XX/XX/XXXX closed, {$100.00} past due, reported as charge-off XXXX XXXX XXXX XXXX XXXX  XXXX reported XX/XX/XXXX closed auto loan, reported as repossession, {$15000.00} balance ) XXXX XXXXXXXX XXXX XXXX XXXX reported XX/XX/XXXX secured loan, marked late though paid off ) XXXX XXXX XXXX  ( last reported XX/XX/XXXX secured loan, shows derogatory even though account is current/paid ) XXXX XXXX XXXX, XXXX XXXX {$1500.00} XXXX XX/XX/XXXX in collections ) XXXX XXXX XXXXXXXX XXXX XXXX {$640.00} XXXX XX/XX/XXXX in collections ) XXXX XXXX XXXX XXXX {$210.00} reported XX/XX/XXXX in collections ) I did not authorize or open some of these accounts, and the reporting is inaccurate and damaging my credit. Several accounts show false derogatory information, misapplied late payments, or status errors. 
These errors violate the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) because the information is inaccurate and has not been corrected despite being disputed. 
I am requesting that the CFPB require the credit reporting agencies ( Experian, Equifax, TransUnion ) and the reporting creditors/collectors to : Fully reinvestigate each of these accounts. 
Delete any unverifiable, fraudulent, or inaccurate information. 
Provide me with updated credit reports showing corrections. 
These false records are harming my credit, blocking access to housing, banking, and financing. I demand immediate correction.

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 2025-09-10 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I reviewed my credit report and found multiple accounts being reported inaccurately or fraudulently. The following accounts are in error : XXXX XXXX XXXX last reported XX/XX/XXXX closed, {$100.00} past due, reported as charge-off XXXX XXXX XXXX XXXX XXXX  XXXX reported XX/XX/XXXX closed auto loan, reported as repossession, {$15000.00} balance ) XXXX XXXXXXXX XXXX XXXX XXXX reported XX/XX/XXXX secured loan, marked late though paid off ) XXXX XXXX XXXX  ( last reported XX/XX/XXXX secured loan, shows derogatory even though account is current/paid ) XXXX XXXX XXXX, XXXX XXXX {$1500.00} XXXX XX/XX/XXXX in collections ) XXXX XXXX XXXXXXXX XXXX XXXX {$640.00} XXXX XX/XX/XXXX in collections ) XXXX XXXX XXXX XXXX {$210.00} reported XX/XX/XXXX in collections ) I did not authorize or open some of these accounts, and the reporting is inaccurate and damaging my credit. Several accounts show false derogatory information, misapplied late payments, or status errors. 
These errors violate the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) because the information is inaccurate and has not been corrected despite being disputed. 
I am requesting that the CFPB require the credit reporting agencies ( Experian, Equifax, TransUnion ) and the reporting creditors/collectors to : Fully reinvestigate each of these accounts. 
Delete any unverifiable, fraudulent, or inaccurate information. 
Provide me with updated credit reports showing corrections. 
These false records are harming my credit, blocking access to housing, banking, and financing. I demand immediate correction.

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 2025-09-10 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore 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 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Dear CFPB, I'm submitting a complaint regarding my XXXX Anywhere Visa by Citi Bank ( last four digits : XXXX ). 
Two weeks ago, I updated my XXXX membership number. I immediately contacted Citi to update this information on my credit card account, but Citi told me to contact XXXX. When I called XXXX, they directed me back to Citi. After going back and forth, Citi still mailed me a card that incorrectly shows my old XXXX membership number. 
This creates confusion and unnecessary risk : if my XXXX membership number is not updated in time, Citibank may incorrectly assume I do not have a valid XXXX membership and could charge me a {$65.00} duplicate membership fee.

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 2025-09-10 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 have now asked for an account I am not legally responsonsilbe for to be removed. I never asked to he an authorized user on this account. After the dispute they verified the accunt is mine when it clearly says authorized user. This is causing me harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: IN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-10 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: IN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XX/XX/XXXXXXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore 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 2025-09-10 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was charged {$800.00} by a shipping merchant in XXXX for XXXX packages ( XXXX lbs, XXXX lbs, XXXX smaller/lightweight ). While I technically agreed to pay in the moment, this agreement was coerced : the merchant already had my packages and pressured me into paying to avoid a confrontation or refusal of service. Based on comparable shipping rates, a reasonable charge would have been approximately {$300.00}, making {$500.00} of the {$800.00} clearly excessive. 

I disputed this {$800.00} charge with Chase Freedom Unlimited. Chase denied my dispute and sided with the merchant but failed to provide a written denial letter explaining their decision. When I requested this documentation, Chase sent only a generic email redirecting me back to their Disputes Department without addressing my request. 
Under the Fair Credit Billing Act ( Regulation Z ), Chase is required to provide written notice of dispute outcomes and the reasons for denial. Chase has not complied. I am requesting : 1. Reversal of the {$500.00} overcharge.

2. Compliance with Regulation Z, including a formal denial letter.

This merchants charges were deceptive and coercive, and Chases refusal to address the overcharge leaves me unprotected as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: OK

Complaint narrative:
CFPB Complaint Draft Collections Companies :XX/XX/XXXXXXXX {$270.00} Opened XX/XX/XXXX 2.Fair Collections & Outsourcing {$1300.00} Opened XX/XX/XXXX Problem Description ( paste this in CFPB site ) : I am disputing the accuracy and validity of two collection accounts currently being reported on my XX/XX/XXXX credit file :XX/XX/XXXXXXXX {$270.00} Opened XX/XX/XXXX 2.Fair Collections & Outsourcing {$1300.00} Opened XX/XX/XXXX These accounts are negatively affecting my credit profile, yet I have never received proper documentation validating that these debts are accurate and collectible. 
Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), a debt collector must provide proper validation of a debt upon request, including the original signed agreement, itemized statements, and proof of assignment or ownership. Neither company has provided such documentation.

Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ), furnishers must ensure maximum possible accuracy when reporting consumer information. Reporting accounts without full validation constitutes inaccurate and unlawful reporting.

The continued reporting of these collections without proof is unfair, deceptive, and harmful to me as a consumer, in violation of the CFPBs authority under the Dodd-Frank Act 1031. 

Requested Resolution : I request that the CFPB investigate these two accounts and require both XXXX XXXX XXXX and Fair Collections & Outsourcing to : 1.Provide full validation of the debts ( original agreements, complete itemized statements, and proof of assignment ), OR 2.If they can not provide proper documentation, immediately delete the collection accounts from my credit reports ( XX/XX/XXXX 



Supporting Docs to Upload : The screenshot of yourXX/XX/XXXX derogatory marks page ( dated XX/XX/XXXX ). 
( Optional ) ID + proof of address ( helps verify your consumer file ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: FL

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: FL

Complaint narrative:
XX/XX/year> i sent a payment to my finace and it was marked as suspicious and flagged the payment was frozen and locked with no way to cancel or accept it by either party this was a {$90.00} transfer that is still locked today XX/XX/year> an {$800.00} Dollar transfer was made from my fiance to myself this payment was locked the account and has now frozen {$890.00} dollars into a cash app account that also has a pending loan balance of {$380.00} that has the potential to skyrocket due to their late fee process no information has been given on this either Support was contacted several times and a complaint was logged here and no response from cash app was ever given these dates include XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> not a single time did i get a response status or any resolution on my case, since then ive fallen behind on several loans, my bank account with XXXX XXXX has fallen into a negative value soon to be closed out, and ive been unable to payback XXXX the financial institution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I have a detailed report on my computer but can not in put it in there a way I could email it to u if u give me a email address its really long to write over

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 2025-09-10 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> -- {$220.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XX/XX/year> -- {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: TN

Complaint narrative:
Address not mine XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ) Name not meXXXX XXXXXXXX name ID XXXX ( Experian )

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 2025-09-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
Went into a location to apply for a loan for the first time to be notified that I had already applied for one or somebody applied for one using my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore 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