vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XXXX, Please fix my mortgage payment. I sent a check that stated it was only a principal payment once again it was split up multiple times paying escrow and interest three times from a single principal payment. I highlighted it with a yellow highlighter marker. I scratched through the other lines on the payment slip. This problem continues to happen over and over again. It has happen at least 4 times since XXXX. I'm tired of calling, I'm tired of sending emails. I'm tired of the excuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: AZ

Complaint narrative:
I recently reviewed my credit report and discovered several inaccuracies that raise serious concerns about the integrity of the information being reported. These inaccuracies are not only misleading but may also negatively impact my creditworthiness. I am submitting this formal complaint to request a thorough investigation and correction of the errors described below. This complaint is filed under my rights provided by the Fair Credit Reporting Act ( FCRA ). 

Several addresses have been reported on my credit profile that I have never lived at or been associated with. The presence of these addresses raises the possibility of a mixed file or identity confusion with another consumer. 

Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violations : FCRA 609 ( a ) ( 1 ) : I have the right to know what is in my file.

FCRA 607 ( b ) : Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy.

FCRA 602 ( a ) : Ensures consumer privacy, fairness, and accuracy in credit reporting. 

The following XXXX XXXX account is inaccurately reported as charged-off, despite showing a XXXX balance : Account : XXXX  XXXX ( # XXXX ) Status : Balance {$0.00} Reported as a charge-off Inconsistency : Reported as closed on TransUnion, yet charged off on other bureaus This account is causing confusion, misrepresents my credit profile, and may be damaging my credit score.

FCRA 611 ( a ) : Right to dispute information an
d have unverifiable data removed within 30 days.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers must not report data they know to be inaccurate.

FCRA 607 ( b ) : Requires maximum possible accuracy in credit data.

FCRA 605 ( a ) ( 4 ) : Limits reporting of charge-offs to XXXX  years. 

I discovered hard inquiries on my credit report that I do not recognize or recall authorizing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These inquiries may have been conducted without a permissible purpose or my knowledge, which violates my rights.

FCRA 604 ( a ) ( 3 ) : A consumer report may only be accessed with a permissible purpose and, when required, the consumers consent.

FCRA 607 ( a ) : CRAs must have procedures in place to prevent unauthorized access to consumer files.

FCRA 611 ( a ) : Grants consumers the right to dispute inaccurate or unauthorized items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
Complaint Title : Dispute with Cash App Over Non-Delivery of Product from XXXX XXXX Complaint Description : Dear CFPB, I am filing a complaint regarding a dispute I initiated with Cash App over a transaction involving XXXX XXXX. On XX/XX/year>, I made a payment of {$66.00} to XXXX XXXX for a dress I ordered through their website. The item has not been delivered, despite multiple attempts to contact the company. I requested a refund and a tracking number, but have received no communication or updates from XXXX XXXX. 
I filed a dispute with Cash App on XX/XX/year>, as the transaction was processed through their service. However, I have yet to receive any updates or resolution from Cash App. Despite my repeated attempts to get in touch with Cash App customer support, I have not been provided with a clear response or timeline for resolving the issue. 
I have been significantly inconvenienced and am still out {$66.00}, with no delivery or refund. I am requesting that the CFPB assist in resolving this matter by ensuring Cash App acts in compliance with consumer protection regulations and provides me with a timely resolution. 
Details of the Dispute : Transaction Date : XX/XX/year> Amount Paid : {$66.00} Business Name : XXXX XXXX  Transaction Method : Cash App Dispute Date : XX/XX/year>XXXX  I am attaching all relevant documentation, including screenshots of my transaction, the order details from XXXX XXXX, and any communication with Cash App that might help in resolving this matter. 
I appreciate your time and assistance in resolving this issue promptly. 
Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-09-03 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: OH

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 2025-09-03 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: OH

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: PA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT 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 2025-09-03 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: PA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
Because this complaint is for Banco Popular of Puerto Rico, I want to write in XXXX, no matter the complaint is not because of Banco Popular, but is a problem with my work at the XXXX XXXX called XXXX XXXX, the problem that is provoking days of delays paying my Banco Popular Credit Card, which ended at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and directly to the XXXX XXXXXXXX XXXX XXXXXXXX XXXX, because of the Denied with no comment opinion of the XXXX XXXX XXXX If any of the Courts, XXXX XXXX XXXX  plus the XXXX XXXX XXXX XXXX XXXX do their job, this debt plus others will be fully paid by now, due to compensation of damages, but is not happening, and the local Supreme Court does not ant to do anything. I am including the e-mail response received from Banco Popular, which includes my original message sent through their Banks web site while logged in, and I have to insist in sending all this Documents : if not, no matter how much I talk over the phone explaining, as indicated in the email response sent by Banco Popular, you will not see evidence : No matter, I have to admit I do not know who is going to pay attention to it, or read it, I do not know if its required internally, no matter the automatic e-malls received asking to answer surveys of opinion, which are probably automated and analyzed without human intervention. That is why I have to send the evidence because both XXXX XXXXXXXX XXXX XXXX and XXXX XXXX, are proof that both are no Justice Courts at all, and maybe the worse part of all : after gathering evidence since last XX/XX/2022 when the original Lawsuit was filed in the local XXXX XXXX XXXX XXXX XXXX XXXX I ended with just 1 graphic, I page, which summarizes all what is happening, for anyone who does not know anything about it, like the XXXX Clients and counting I am informing about this problem with a summary in writing, plus the details about their individual delivery, my XXXX XXXX XXXX less the distance, which many times is a negative result, meaning a loss for us as drivers, or, only cents over the distance. There are many recent incidents which confirms the Lawsuit which ended as a Petition at both Supreme Courts, including a Tourist named XXXX who confirmed in writing through text messages that his intention was to double tip me, with the tip left through XXXX plus  the cash tip he gave me ; but XXXX reported he as Client reduced the tip after delivery, stealing his tip paid through the XXXX XXXX  application, and XXXX clearly confirmed what XXXX did is wrong, his text messages are at the XXXX XXXX XXXX XXXX XXXX. : even after receiving seeing all this new evidence, the XXXX XXXX XXXX XXXX XXXX just wrote without explanation " XXXX XXXX XXXX '' the equivalent of " Denied ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: CA

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

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

A description of the procedures used to verify the accuracy and completeness of the disputed account.

All documentation you have on file retrieved during your investigation.

Who did you interview regarding the aforementioned account?

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

I am requesting proof that an actual investigation was indeed conducted and all of the above-requested documentation be sent to me, by mail, within 5 business days! Given the lack of proper verification and the violation of FCRA obligations, I also request that this account be deleted immediately from my credit report to prevent any further damage to my financial well-being. & undefined ; under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney & undefined ; XXXX fees as determined by the court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: CA

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

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

A description of the procedures used to verify the accuracy and completeness of the disputed account.

All documentation you have on file retrieved during your investigation.

Who did you interview regarding the aforementioned account?

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

I am requesting proof that an actual investigation was indeed conducted and all of the above-requested documentation be sent to me, by mail, within 5 business days! Given the lack of proper verification and the violation of FCRA obligations, I also request that this account be deleted immediately from my credit report to prevent any further damage to my financial well-being. & undefined ; under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney & undefined ; XXXX fees as determined by the court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: NJ

Complaint narrative:
I have repeatedly provided the discharge information from the U.S. Bankruptcy Court as well XXXX. I informed them that their false debt amount and incorrect address now appears on my credit report. I have sent certified letters amount the US Dept of Ed being removed from my credit report. I informed XXXX that their attempts to collect on a discharge debt was harming me. I've sent certified letters, numerous phone calls, uploaded proof, created an account and involved Congress Woman XXXX XXXX XXXXXXXX XXXX office. This has caused high interest rates, denied credit and stress to XXXX XXXX of health care. The loan was discharged via bankruptcy and permanent XXXX discharge. If I don't owe Dept of Ed or XXXX how can I owe their debt collector. It was discharged in XXXX bankruptcy and XXXX permanent XXXX via 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 non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
On XX/XX/year> My car was repossessed by Credit Acceptance Corporation. I Credit Credit Acceptance, on XX/XX/year> at XXXX XXXX XXXX. I was told the redemption cost would be XXXX. I called XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX in XXXX XXXX Mississippi. I was told I needed to make an appointment to pick up my car and belongings. I made the appointment for XX/XX/scrub>XXXX XXXX XXXXXXXX. I spoke to XXXX at the time. On XX/XX/year> at XXXX I called XXXX XXXX XXXX XXXX XXXX XXXXXXXX to Re-schedule the appointment. I rescheduled for XX/XX/year>XXXX XXXX XXXXXXXX. I spoke with XXXX.It was clear to me my car and belongings were there still in XXXX XXXX, Mississippi. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Mississippi. XXXX. 
XX/XX/year> at XXXX XXXX XXXX XXXX XXXX paid Credit Acceptance Corporation XXXX for the redemption of my vehicle. I was told by the Representative from Credit Acceptance that I would be called in one hour for the release of my vehicle.

Credit Acceptance called at XXXXXXXX XXXX stating the terms of my vehicle release. XXXX for 24 months for what they termed as a past due balance. Which totals XXXX. Then I'm to pay XXXX Until the said contract is exhausted. 
After paying Credit Acceptance Corporation they informed me my car had been moved from XXXX XXXX XXXX XXXX XXXX XXXXXXXX in XXXX XXXX, Mississippi. To XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tennessee. XXXX I was told I had Until the XXXX by the Representative at Credit Acceptance to redeem my vehicle. I called XXXX XXXX XXXX after paying Credit Acceptance. XXXX said I couldn't get my car until Monday at XXXX XXXX XXXXXXXX So after paying Credit Acceptance I was without my vehicle, XX/XX/scrub>XXXX XXXX XXXXXX/XX/year>. When I get to my car I have wires coming from the steering column and the driver side widow has issues coming up and down. I contacted the complaint department because XXXX XXXX XXXX put a window on the driver 's side and I had to scrape tint off the window. The XXXX XXXX sticker was removed. My car had been detailed so it could be sold at auction. I need this matter thoroughly investigated.

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