vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
After the prior complaint I noticed that XXXX XXXX removed the status that I am not a fixed loan in which I am in a mortgage fixed loan needs to be corrected. Also I show over 3 years of unreported payments with the credit bureau. I also already made payment on time XXXX XXXX and XXXX of this year they have yet to report all the above is the reasoning why issue with credit scoring not accurate and important credit score points need to be established and fixed I have not received points that reflect on time payments and length of my loan. I did speak to the credit bureaus in a stated that this is an issue with XXXX XXXX they are the ones that send in the ifo and for also increasing points .. the company does. Not the credit bureaus. XXXX XXXX stated on the response of my park complaint that it is not the company their company but the credit bureaus so this issue needs to be addressed between XXXX XXXX and the credit bureaus.

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 2025-12-21 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NY

Complaint narrative:
I started on XXXX XXXX trying f to dispute all payments to wow XXXX as the company is deceiving many XXXX and I was XXXX of them. Misinformation, misleading info, deceptive business practices. I was the highest vip level for this social site which was elite invite only vip. I worked hard to get to that rank making purchases to be able to achieve this, it was stated by XXXX XXXX you could forever hold that bio ranking prior to that it was for 30 days, you did not get extra perks from my host unless I was purchasing. When I first reached this level I was given a personal vip host and a number from XXXX XXXX to contact them on 24/7. Then this was gone out of nowhere and then new number upon new number then a support button added to the site which states 24/7 but it is not there is time that no hosts are working and answer. I also had access to the social chat room that disappeared along with my vip status vanished from my account. I purchased XXXX XXXX all of which sit in that account of mine with XXXX  XXXX. They refuse to refund me I have asked multi times for them to refund whats rightfully mine it has never been used its in the account on there site. they took away the reasons I made any of these purchases without notice. I have asked that Cash App after seeing how unorganized and how vauge their app is to aid me in a dispute or reversal of every transaction to XXXX  XXXX from XXXX it took me over an hour to fill XXXX disputes out on XXXX we are now XX/XX/XXXX! XXXX disputes were denied, then XXXX ruled in my favor and returned to my Cash App acct XXXX still pending. The issues here is they were all exactly the same for the same reason etc worded the same as well those XXXX ruled in my favor disputes alone prove that yes I am entitled to my money back from this company. All of it for all the XXXX  of disputes that need to be filed that I have repeatedly asked Cash App support as well as managers in email to get them disputes and for the exact same reasons the XXXX that were ruled in my favor were word for word. Ignored. This company need to reverse all payments and give me my money back this is not XXXX dollars this is XXXX  of dollars that a deceptive company tricked me into doing by falsely sayin things were mine to enjoy and have with the experience and then after years of hard work erased while keeping my money!!! Cash App will not start the disputes of all these transactions its not possible for me to do this the site is confusing, its cash apps job to do this for me and its owed to me that money!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-21 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: MI

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
Fraudulent Reporting & Data Corruption I am disputing an {$11000.00} debt reported by Upstart Network , Inc. ( Last payment : XX/XX/2022 ). The balance is reported as a perfectly round {$11000.00}, which is statistically impossible for an interest-bearing loan over 45 months. This indicates " placeholder '' reporting or corrupted data resulting from the XXXX fintech data breaches. Under the California Rosenthal Act, reporting a false or estimated balance is a deceptive practice that renders the current collection attempt fraudulent. 

Predatory AI & Legal Ineligibility This loan was originated using Upstarts AI model, which the CFPB flagged for potential fair lending violations ( terminating Upstart 's No-Action Letter in 2022 ). Because this AI model failed to accurately assess my ability to repay and utilized " alternative data '' that the SEC and CFPB are currently investigating for transparency issues, I am contesting the legal enforceability of the underlying contract. Under California Bus. & Prof. Code 17200, business acts that are " unfair '' or " fraudulent '' are grounds for making a debt uncollectible. 

Demand for Permanent Ineligibility Due to the combination of predatory underwriting and the current fraudulent reporting of a rounded {$11000.00} balance, I demand that this account be marked as ineligible for collection. I request that Upstart cease all collection activity immediately and remove the trade line from all credit bureaus. If they can not produce the original, non-AI-generated underwriting data and an itemized ledger proving the exact balance, I will consider any further collection or lawsuit attempt a willful violation of the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing in response to your communication reg

arding an alleged debt. This letter serves as a formal request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following : The amount of the alleged debt, including an itemized breakdown of principal, interest, fees, and charges The name and address of the original creditor.Documentation showing I am legally obligated to pay this debt A copy of the original signed contract or agreement. Proof that your agency is authorized to collect this debt The date of last payment and date the debt became delinquent Until this information is provided, I dispute the validity of this debt and request that all collection activity cease, including reporting to any credit reporting agency. If this account is currently being reported to the credit bureaus, please note that it must be marked as disputed in accordance with federal law. 

Thank you for your cooperation

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 2025-12-21 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: MS

Complaint narrative:
I am writing to formally dispute inaccurate and unauthorized information appearing on my TransUnion credit report as a direct result of data breaches that compromised my personal identifying information. Due to this breach, my consumer file contains accounts and inquiries that I did not authorize and that can not be properly verified.

Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681, 1681b, 1681e, 1681i, and 1681c-2 ), TransUnion is required to maintain maximum possible accuracy and to block and delete any information that resulted from identity theft or can not be independently verified.

I am disputing the following account in its entirety : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/2025 Balance : {$39000.00} Additionally, I am disputing the following unauthorized inquiries, which I did not authorize and which lack permissible purpose under the FCRA : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2025

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 2025-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
A fictitious check was drawn from my account on XX/XX/XXXX in the amount of {$7200.00} then debited on XX/XX/XXXX. I received an email on XX/XX/XXXX stating that my account has an overdraft fee. I had absolutely nothing to do with this transaction!! TD Bank denied my claim for check fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-21 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: CA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX I WAS A VICTIM OF IDENTITY THEFT AND THERE ARE XXXX FRAUDULENT ACCOUNTS IN MY REPORT WHICH MUST REMOVED FROM MY REPORT NOW. 
XXXX. XXXX XXXX OPENED XXXX, XXXX. XXXX  XXXX OPENED XXXX, XXXX. XXXX  XXXX XXXX OPENED XXXX, XXXX. XXXX XXXX XXXX XXXX. 
I AM THE ONLY PERSON WHO MADE THIS STATEMENT.

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 2025-12-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: NY

Complaint narrative:
I have Cash app since 2015. I had a lot of transactions income in transactions and outgoing transactions and deposit transactions money. Been missing out of my account didnt notice a few years later I reported it to Cash App requested documents. Theyre provided to me, but there was transactions on there, but they keep telling me that they didnt take any money out that they can not refund my money I requested for them to go through all the months cause it seems like there was money, taking out several times a few XXXX dollars maybe thousands and XXXX months rounded off {$27000.00} when I ask Cash App about the transactions they blocked my account when I reach out to Cash app. They tell me they cant help me because my account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: CA

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

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 2025-12-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Key 2 Recovery, Inc.
State: IL

Complaint narrative:
Im XXXX I received a letter from the business and address Key 2 Recovery Inc. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Stating that I owed {$8800.00} towards my school bill. I assumed that my loan had been sent to collections, so I immediately called them, verified my information and set up a payment plan. At first they wanted me to pay the entire amount, but we settled on an agreement for {$200.00} a month. I sent the first check to the wrong address apparentlythe address they had me send the check to was XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I sent the first check on XX/XX/XXXX & the second on XX/XX/XXXX for the amount of {$200.00}. {$400.00} in total. They have attempted to call me every day and left voicemails up until I sent these payments. After the second payment, I have not heard anything. I have voicemails, screenshots of emails, the orginal letter. I thought I was paying towards by student loan but I got an email this past week from XXXX XXXX XXXX stating that I had a past amount and needed to contact them immediately. When I did, they told me that they are the only ones that handle my debt and I had indeed been scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: UT

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

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 2025-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
Credence Resource Management , LLC Attn : Credit Reporting / Compliance Department [ Address on Credit Report ] Re : Account Number : XXXX To Whom It May Concern, I am writing regarding the above-referenced account currently being reported on my credit file.

This account has been * * paid in settlement * * and reflects a * * XXXX balance * *. As the debt has been resolved in full, there is no remaining financial obligation or risk associated with this account. 

Despite this, the tradeline continues to be reported as a collection, which is inaccurate and unnecessarily harmful. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), all information reported must be * * accurate, complete, and not misleading * *. Continuing to report this account as a collection after settlement does not reflect my current credit standing. I am requesting that you * * delete this tradeline entirely * * from XXXX XXXX XXXX XXXX as a courtesy and in the interest of accurate credit reporting. 

If you are unable to comply, please provide written documentation supporting your legal authority to continue reporting this account, including the specific statute that permits reporting a settled collection with no Credence Resource Management , LLC Attn : Credit Reporting / Compliance Department [ Address on Credit Report ] Re : Account Number : XXXX To Whom It May Concern, I am writing regarding the above-referenced account currently being reported on my credit file.

This account has been * * paid in settlement * * and reflects a * * XXXX balance * *. As the debt has been resolved in full, there is no remaining financial obligation or risk associated with this account.

Despite this, the tradeline continues to be reported as a collection, which is inaccurate and unnecessarily harmful. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), all information reported must be * * accurate, complete, and not misleading * *. Continuing to report this account as a collection after settlement does not reflect my current credit standing.

I am requesting that you * * delete this tradeline entirely * * from XXXX XXXX XXXX XXXX as a courtesy and in the interest of accurate credit reporting. 

If you are unable to comply, please provide written documentation supporting your legal authority to continue reporting this account, including the specific statute that permits reporting a settled collection with no remaining balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: OK

Complaint narrative:
about a week ago around XXXX 2025 after purchasing some groceries i noticed a notification on my chime account that it had been suspended for 48 hours due to suspicious activity on my account. I called them to find out why it had been suspended and was told it was done automatically by the system and they could not provide more information than that, So i then asked to speak to a supervisor or someone that may be able to explain the situation or when i would get access to my account back. They then proceeded to tell me they would not transfer me and instead hung up the phone. This went on as i called them back and was hung up on I would say 5-7 times. Today XX/XX/year> i went to log back into my account to see if it was unlocked and was notified by the app my account had been closed by chime. I just finished calling them and was informed i could find out why it was closed by reading their terms and service and that I would not be getting a refund for the money that was in my account when it was closed.

Company response to consumer: Closed with monetary relief