vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting a small XXXX XXXX collection account in violation of multiple provisions of the Fair Credit Reporting Act. 

I disputed this account twice with Equifax. They never responded to the first dispute, and they have refused to pick up or process the second dispute, even though XXXX shows it was delivered to the Equifax XXXX XXXX XXXX XX/XX/year>. As of XX/XX/year>, the letter is still not picked up, and no investigation has been initiated. 

Because Equifax failed to conduct any investigation within 30 days of receiving my dispute, the account must be deleted under 15 U.S.C. 1681i ( a ).

Timeline 1. First Dispute ( Debt Validation Request ) - XX/XX/year> Equifax received my first dispute regarding this XXXX account. 
I requested a reasonable reinvestigation and validation from the furnisher. 
Equifax never responded and never initiated any investigation within the 30-day statutory period.

2. Second Dispute ( Demand for Deletion ) - XX/XX/year> I sent a second dispute letter demanding deletion due to Equifaxs non-response to the first dispute. 
- XX/XX/year> XXXX tracking confirms the letter was delivered to Equifaxs XXXX XXXX XXXX XXXX. 
- As of XX/XX/year>, the letter is still not picked up by Equifax, and no investigation has been started. 
- I will attach XXXX tracking screenshots showing Delivered to XXXX XXXX awaiting pickup. 

Violations 1. Failure to conduct a reasonable reinvestigation - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires CRAs to investigate within 30 days of receiving a dispute.

Equifax ignored the dispute entirely.

2. Failure to notify the furnisher- Equifax failed to notify XXXX XXXX of the dispute as required under 1681i ( a ) ( 2 ).

3. Failure to respond to a consumer dispute- Equifax is required to provide written notice of investigation results within 5 business days after completion, under 1681i ( a ) ( 6 ). 

No notice was ever provided.

4. Failure to timely pick up and process disputes sent by certified mail- This effectively blocks consumers from exercising their federal rights and is an unfair and unlawful practice.

5. Continued reporting of unvalidated and unverified information - When a furnisher can not validate the debtor when a CRA does not complete a reinvestigationthe disputed information must be deleted under 1681i ( a ) ( 5 ) ( A ).

6. Reporting information that can not be verified- A CRA may not report information if they do not have reasonable procedures to ensure maximum possible accuracy under 1681e ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Block, Inc.
State: TX

Complaint narrative:
CFPB Complaint Bundle XXXX XXXX XXXX. XXXX  : XXXX Issue : Account recovery sabotage and number resale after loss Description : XXXX sold my previously linked phone number shortly after service lapse, effectively cutting me off from all two-factor recovery options across critical accounts. This compromised account access, personal identity security, and ability to recover XXXX XXXX, XXXX services, and more. 
Category : Account access Denial of recovery / number handling misconduct Resolution Sought : Written policy acknowledgment on number resale windows, confirmation that all third-party linkages are severed, and an offer to reserve/reclaim number if possible or issue formal notification to connected services of breach risk.

11. XXXX  : XXXX  ( XXXX ) Issue : Forced business profile creation and lack of support resolution Description : XXXX created a business page tied to my personal profile without consent after XXXX  activity. I attempted to delete the profile, but XXXX provided no viable support path or agent resolution. I had to dismantle it manually without system guidance.

Category : Misuse of user data Unauthorized business creation Resolution Sought : Full deletion of forced profile remnants, confirmation of removal from all business registries under XXXX, and email acknowledgment of the situation and internal process review.

12. XXXX : Cash App ( Dealers Choice ) Issue : Unclear transaction tracking and reporting failure during active fraud claims Description : Cash App failed to provide real-time updates or escalation during transaction issues flagged as suspicious. Their support system failed to respond in a timely manner, and no resolution was reached despite repeated attempts. Their reporting system appears automated and unaccountable.

Category : Money transfer Transaction dispute unresolved Resolution Sought : Formal audit of complaint tracking system, refund or formal closure confirmation on flagged case, and public-facing transparency statement about fraud response policies and user options during support silence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN ( Last 4 ) : XXXX DOB : XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute Request for Deletion of Unverified Accounts ( FCRA 609 & 611 ) To Whom It May Concern, I am formally disputing several accounts on my credit report that appear inaccurate, unverifiable, incomplete, or improperly reported. I request a full reinvestigation under FCRA 609 ( a ) and 611 ( a ).

Below are the accounts I dispute : 1. XXXX XXXX XXXX XXXX Credit Card ( Acct : XXXX ) Charge-Off Reporting contains repeated charge-off months not supported by payment records.

Past dispute notation requires reinvestigation with documentation under FCRA 623.

Request : Delete due to unverifiable reporting and incomplete data.

2. XXXX XXXX XXXX XXXX XXXX. ( Acct : XXXX ) No verification of ownership or itemization of debt.

Debt buyer can not validate chain of title.

Request : Delete due to lack of verifiable documentation.

3. XXXX XXXX XXXX XXXX XXXX XXXX. ( Acct : XXXX ) No debt validation notice received as required by the FDCPA.

Dates and balance appear unverified.

Request : Delete due to failure to validate and inaccurate reporting.

4. XXXX XXXX XXXX XXXX  ( Acct : XXXX ) Balance is inflated and unsupported by any lease ledger or move-out statement.

Prior dispute was not properly reinvestigated with evidence.

Request : Delete due to unverifiable charges and missing documentation.

FCRA Request Under FCRA 611 ( a ) : If any item can not be fully verified using supporting documentation, it must be deleted.

Please provide your method of verification, including the name and contact information of each furnisher.

I request written results within 30 days.

Thank you, 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 2025-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I got scammed out of {$300.00} and I filed a dispute with my Bank of America and XXXX XXXX. I sent money to someone my sister knows XXXX $ exact for a little puppy she wanted. I wanted to purchase it first her birthday as a gift and the person stopped responding once I sent the money to her and she was never able to pick up the dog. I sent {$300.00} out of my Bank of America account and trying to dispute it with them to get a credit back to my account. XXXX XXXX is no help and wont help me.

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 2025-11-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit report has been accessed by several companies without my knowledge, consent, or authorization, and applications were done in my name that I did not initiate. I do not recognize these fraudulent inquiries, and their presence is extremely concerning. I previously contacted Experian, and a representative assured me these inquiries would be deleted, yet they remain on my report. This ongoing issue is causing unnecessary stress and XXXX, especially given the potential risk of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: VA

Complaint narrative:
I am requesting an investigation into the following accounts, as some information appears to be inaccurate or not fully verifiable. Please review these items under FCRA guidelines and correct or delete anything that can not be validated.

CHARGED-OFF / NEGATIVE ACCOUNTS UNDER DISPUTE XXXX XXXX XXXX, Acct : XXXX, DO : XX/XX/XXXX, Bal : {$0.00} XXXX, Acct : XXXX, DO : XX/XX/XXXX, Bal : {$0.00} XXXX, Acct : XXXX, DO : XX/XX/XXXX, Bal : {$0.00} XXXX/TD, Acct : XXXX, DO : XX/XX/XXXX, Bal : {$0.00} INQUIRIES ( No disputed inquiries listed ) POSITIVE ACCOUNTS ( NO DISPUTE ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX LATE PAYMENT XXXX UNDER DISPUTE XXXX, Acct : XXXX reporting inaccurate late payments.

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 2025-11-24 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am enrolled in auto-pay for my full balance. Chase attempted to draft {$3300.00} on XX/XX/XXXX and it would not go through due to insufficient funds. It went through on XX/XX/XXXX. Despite having made the payment, they drafted the amount again with my XXXX payment on XX/XX/XXXX. I had the bank stop payment and sent them a check for the legitimate charges. Now, the same amount appears each month as a returned payment, I exchanged dozens of emails and phone calls with representatives who are unwilling to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
My personal information was stolen during a vehicle break-in that I reported to law enforcement on XX/XX/year> ( Police Report # XXXX ). A duffle bag containing my wallet, computer, and multiple identifying and financial documents was taken from my vehicle. In the report, I stated I was willing to prosecute. After this theft, fraudulent accounts began appearing on my credit reports over the years.

One of those fraudulent accounts is the one I am disputing here. I did not open, authorize, or apply for this account at any time. The dates the account was opened and the balances reported to the credit bureaus are consistent with the period after my identity was stolen.

For years, I have submitted identity theft disputes, FTC identity theft reports, and supporting documentation to the companies involved and the credit bureaus. Despite this, the fraudulent account continues to be reported or reinserted without proper verification, certification, or evidence. I have never been shown an application, signature, IP address, usage history, or any documentation proving I opened the account.

This is part of the ongoing identity theft that began after the XXXX  incident, and I am requesting CFPB assistance because the company continues to report a fraudulent account in violation of federal law despite repeated disputes.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-24 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: CA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
On the night of XX/XX/year> I discovered my XXXX XXXX XXXX card issued by GiftCardMall / Blackhawk Network ( card ending XXXX ) was frozen and unusable. Balance : {$58.00}.

The support number printed on the card ( XXXX ) is non-functional every call forces a balance check and disconnects immediately when requesting a representative. 
That same night ( XX/XX/year> ) I filed XXXX  complaint XXXX. 
After the XXXX  case was opened, I located an unlisted number on giftcards.com ( XXXX ) and finally reached Blackhawk support.

After extended holds and multiple transfers, a replacement digital XXXX was issued and emailed to me.

The replacement digital XXXX  can not be activated the registration website repeatedly errors and will not allow PIN setup or activation. It is completely unusable. 
On XX/XX/year> Blackhawk arbitrarily closed my open internal support case and forced me to reopen it. 
On XX/XX/year> I received only an offer of a 710 day physical replacement card unacceptable.

This is a deliberate pattern of deceptive practices designed to deny access to my {$58.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: OH

Complaint narrative:
XX/XX/year> I submitted the Direct Consolidation Loan Application information towards working in an urban school district for 25 years. The application with PSLF states in review status still. I actually submitted the documents several times and only qualify for 2 payments. My servicer is Mohela and I applied for the PSLF and had been given inaccurate information by representatives of the course of action to take. The representative told me to reapply and when i did another representative told me thay i should not have and it took my years thay wpuld qualofy to none. I did just was directed and I only have 2 payments that qualify after teaching 25 years. Other teachers in my building have been cleared and I cant get any results or years removed.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-24 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:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

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 2025-11-24 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: TX

Complaint narrative:
Despite everything, the inaccurate accounts are still showing on my credit report and they were not removed. I am begging that the documents I submitted be fully reviewed so I can finally stop stressing over this issue.

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