vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
We moved out XX/XX/XXXX because of break XXXX and vandals and our cat was stolen. I filled out paperwork to give the house back to the bank. They accepted the paperwork and said that they got the deed and it was clear. I got XXXX letters that the house wasn't mine in the beginning of XXXX and my homeowners insurance canceled. I requested the deed from the courthouse in that department you request it and they refused. The bank filed a claim in XXXX of XXXX for Foreclosure. I have the Deed report and it says I was never the owner of the house. They took alot of money from me. The house was vandalized and me and my son were treated with respect. I have attached the Deed Report. Who does such XXXX to people? Why? Who let them do this to us? They keep telling me at the County Clerk telling me at the county clerk that they are going to be arresting me. They are not respecting my civil rights and due process. I wasn't informed of the court date XX/XX/XXXX at XXXX and they said they won't let me miss it and won " let me do call in or zoom like the XXXX XXXX told me. The won't give me a reason why they are treating me so badly and with disrespect and won't follow the laws they have on this. It is so scary.

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 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Late payment entries are showing on my credit report that I believe to be incorrect. According to 15 USC 1681e ( b ) and 15 USC 1681i, my credit file must include only information that is fully accurate, complete, and verifiable. I am requesting verification of these entries, and if they can not be confirmed, I ask that they be corrected or deleted.

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 2025-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts listed on my credit report that I believe contain incorrect information. Under my rights as outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate and complete credit report. I am formally requesting a review of these collection entries. If they can not be verified as accurate, I ask that they be removed from my report immediately.

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 2025-09-24 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: GA

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX Balance {$270.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I have noticed collection accounts on my credit report that I believe contain inaccurate information. Under my rights granted by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is accurate and complete. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed from 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 non-monetary relief
Consumer complaint received 2025-09-24 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:
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 XXXX XXXX XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$750.00} Account Name XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$24000.00} Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$5800.00} Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$150.00} Account Name : XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX 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 2025-09-24 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: Klarna AB
State: VA

Complaint narrative:
On XX/XX/year>, I purchased concert tickets on XXXX for {$590.00} that were clearly labeled XXXX XXXX. 
Immediately after payment, XXXX emailed me saying the seller had changed the delivery method and gave no new delivery date. 
Despite multiple calls and chats ( most recently XX/XX/year> ), I never received the tickets or a working transfer link. 

When I requested a refund under XXXX advertised 100 % XXXX XXXX, they denied it, stating the seller still has time to deliver.

On phone calls with two XXXX agents and a supervisor, I was repeatedly told that XXXX will not escalate or process a refund unless I cancel the credit-card chargeback my bank initiated. They admitted this policy is internal and refused to provide it in writing. 

This appears to be interference with a legitimate credit-card dispute and misleading advertising, since the tickets were not delivered instantly as promised and the refund guarantee is conditional on canceling my consumer protections. 

I am seeking : Full refund of the ticket purchase price Investigation into XXXX practice of conditioning refunds on canceling chargebacks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I purchased XXXX XXXX from XXXX and returned them because they were defective. XXXX confirmed receipt of the return on XX/XX/year> ( XXXX tracking number : XXXX. Despite confirming the return, XXXX refused to issue a refund, stating that the order was in dispute with the bank. 

I filed a dispute with SoFi, but SoFi denied my claim twice, even though I provided proof that the product was returned. As of today, I have neither the product nor a refund. 

I escalated the matter to the Better Business Bureau XXXX BBB, complaint XXXX ). On XX/XX/year>, XXXX acknowledged the BBB complaint and said they were reviewing the issue, but no resolution has been provided. 

This situation appears to violate the Fair Credit Billing Act ( FCBA ), which protects consumers from being charged for defective goods or goods not delivered as agreed. I fulfilled my responsibility by returning the product, and SoFi failed to properly investigate or resolve the chargeback.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: FL

Complaint narrative:
I am filing a complaint regarding inaccurate and unverifiable credit reporting on my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} These accounts are reported as charged off, but the balances and reporting status are inconsistent or unverifiable. 
Collection Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$640.00} This collection is being reported inaccurately and without proper validation of the debt.Multiple hard inquiries are appearing that I did not authorize or that are duplicative, including repeated entries from 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 
Specific disputed inquiry : XXXX XXXX dated XX/XX/XXXX. 
These inquiries are excessive, inaccurate, and damaging my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: FL

Complaint narrative:
I am filing a complaint regarding inaccurate and unverifiable credit reporting on my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} These accounts are reported as charged off, but the balances and reporting status are inconsistent or unverifiable. 
Collection Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$640.00} This collection is being reported inaccurately and without proper validation of the debt.Multiple hard inquiries are appearing that I did not authorize or that are duplicative, including repeated entries from 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 
Specific disputed inquiry : XXXX XXXX dated XX/XX/XXXX. 
These inquiries are excessive, inaccurate, and damaging my credit standing.

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 2025-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit report includes collection accounts that I believe are inaccurately reported. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to an accurate and verifiable credit file. I request a thorough review of these accounts, and if verification can not be provided, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
False advertising no hard pull to report on credit

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 2025-09-24 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: CCS Financial Services, Inc.
State: IL

Complaint narrative:
Debt Validation Letter ( FDCPA Request ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/year> Credit Collection Services XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Request for Validation of Debt Account No. : credit collection service To Whom It May Concern, I am writing in response to your reporting of an alleged debt in the amount of {$150.00} with the original creditor listed as " [ Insert Original Creditor Name ]. '' This letter is being sent in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please provide validation of this debt, including : XXXX. The name and address of the original creditor. 


XXXX. A copy of the original signed agreement or contract creating the obligation. 


XXXX. An itemized statement of the alleged debt, including principal, interest, fees, and any other charges. 


XXXX. Proof that your company has the legal right to collect this debt. 


XXXX. A copy of your license to collect debts in my state, if applicable. 



Be advised that until you provide proper validation, you must cease all collection activity, including reporting this debt to the credit reporting agencies. Any attempt to collect without validation will constitute a violation of the FDCPA. 

Additionally, if you have already reported this debt to any credit reporting agency, please inform them that the account is in dispute until you provide full validation. 

This is not a refusal to pay, but a validation request. I request that you respond within XXXX  days of receipt of this XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: VA

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 2025-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
This complaint is regarding Cashapp account XXXX. This is yet another complaint concerning the abhorrent and non-existent customer service from Cash App, owned by Block INC. Since the middle of XXXX Cash App has been declining purchases despite possessing a sufficient balance in the account. Cash App is refusing to resolve the issue, and provides no professional support whatsoever. I have demanded a response from this company and the company has deliberately refused to respond. This company does not have XXXX XXXXased support, despise being a XXXX based company, and refuses to resolve outstanding issues ; irrespective of how many times a consumer files a complaint with a consumer/regulatory agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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:
I am filing a complaint regarding inaccurate and unverifiable credit reporting on my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} These accounts are reported as charged off, but the balances and reporting status are inconsistent or unverifiable. 
Collection Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$640.00} This collection is being reported inaccurately and without proper validation of the debt.Multiple hard inquiries are appearing that I did not authorize or that are duplicative, including repeated entries from 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 
Specific disputed inquiry : XXXX XXXX dated XX/XX/XXXX. 
These inquiries are excessive, inaccurate, and damaging my credit standing.

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 2025-09-24 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: 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 Account number : XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$400000.00} Account name : XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00} Account name : XXXX XXXX  Account number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$10000.00} Account name : XXXX  Account number : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$70000.00} Account name : XXXX Account number : XXXX * * Date Opened : XX/XX/XXXX Balance : {$4500.00} INQUIRIES : 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 2025-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts listed on my credit report that I believe contain incorrect information. Under my rights as outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate and complete credit report. I am formally requesting a review of these collection entries. If they can not be verified as accurate, I ask that they be removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$4400.00} Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$10000.00} Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$71000.00} INQUIRIES : 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 2025-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have identified collection accounts on my credit report that I believe are inaccurate. Pursuant to my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I request a full investigation into these accounts. If they can not be verified as accurate and complete, I ask that they be removed from my credit 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 non-monetary relief
Consumer complaint received 2025-09-24 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to formally dispute certain items on my credit report that I believe may have been compromised as a result of the data breach affecting Equifax. As a victim of this breach, my personal and financial information was exposed without my consent, placing me at risk of identity theft and fraudulent activity. 

The specific items I am disputing include : Account name : XXXX XXXX  Account number : XXXX Open Date : XX/XX/XXXX Balance : {$8200.00} Account name : XXXX XXXX XXXX Account number : XXXX Open Date : XX/XX/XXXX Balance : {$9600.00}

Company response to consumer: Closed with non-monetary relief