vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-29 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: OK

Complaint narrative:
This credit card account was disputed XXXX times with the credit bureaus on XX/XX/year>, XX/XX/year>, and XX/XX/year>. Despite these disputes, the information continues to be reported inaccurately. 

The account shows different account numbers, different statuses, and different comments depending on the bureau. XXXX bureau reports it as derogatory, another as paid, and another as a charge-off. The past-due amounts also appear inconsistently, even though the balance is {$0.00}. The payment history and last-activity dates do not match across the bureaus, creating multiple factual errors. 

I requested an investigation each time, but the bureaus did not correct the inaccuracies or provide reliable verification. The information being reported remains inconsistent, incomplete, and misleading. 

I am requesting that the inaccurate information be corrected or removed, as it continues to negatively affect my credit profile despite multiple attempts to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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: FL

Complaint narrative:
I am filing this complaint because the credit reporting agencies ( Equifax, Experian, and/or TransUnion ) have repeatedly verified accounts that are inaccurate, incomplete, or not reported in compliance with the FCRA and XXXX XXXX XXXX multiple disputes submitted with clear explanations. 

The credit bureaus are failing to conduct a reasonable reinvestigation under FCRA 15 U.S.C. 1681i ( a ). They keep returning disputes as verified but refuse to provide : The Method of Verification ( MOV ) under 1681i ( a ) ( 6 ) ( B ) ( iii ) Copies of the documents used to verify the accounts XXXX field data or XXXXXXXX  audit trail Evidence proving the accuracy of the disputed information Additionally, the bureaus are failing to comply with 15 U.S.C. 1681e ( b ) by reporting data that is inaccurate, inconsistent across bureaus, incomplete, or unverifiable. 

Some accounts include : XXXX XXXX ( TransUnion Collection ) bureau claims meets FCRA requirements but provided XXXX  verification, no original creditor documentation, no contract, no chain of title, and no XXXX coding validation. 
XXXX XXXX XXXX  ( Repossession ) reported differently across all  bureaus, inconsistent payment history, conflicting dates, inconsistent status codes, and violations of XXXX Base Segment, Payment Rating, and Account Status guidelines. 
XXXX ( Equifax ) shows a late payment without any matching payment history segment or documentation. 
These discrepancies show the bureaus are simply marking accounts as verified without performing a lawful reinvestigation.

This violates : 1681i ( a ) ( 1 ) ( A ) Reasonable reinvestigation 1681i ( a ) ( 2 ) Duty to forward all relevant information to furnishers 1681i ( a ) ( 6 ) Duty to provide results + XXXX  1681i ( a ) ( 7 ) Right to include an expanded statement of dispute 1681e ( b ) Failure to report accurate/incomplete data 1681s-2 ( a ) Furnishers reporting unverifiable or inaccurate information The credit bureaus are ignoring their legal obligations and simply sending automated templates stating verified, which does not meet FCRA or XXXX XXXX XXXX requirements 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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: IN

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, In XXXX Higher Education Loan Authority MOHELAXXXX XXXX XXXX, MO XXXX XXXX : Validation of Alleged Debt FDCPA 15 U.S.C. 1692g & FCRA 15 U.S.C. 1681i Account No : XXXX Whom It May Concern : This letter serves as a formal dispute of the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, you are required to provide validation of this debt.Specifically, please provide : XXXX. Documentation that you are legally authorized to collect this debt, including the assignment or purchase agreement from the original creditor.XXXX. The original creditors name, address, and account number.XXXX. A full accounting of the alleged amount owed, including principal, interest, fees, and charges.XXXX. A copy of the signed contract or agreement with my signature creating this obligation.XXXX. Proof of your license and bonding to collect in my state.Additionally, if you are reporting this account to any credit reporting agency, be advised that I am disputing its accuracy. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to immediately mark this debt as disputed with all consumer reporting agencies. Continuing to report unverifiable or inaccurate information violates federal law.You must cease all collection efforts until validation is provided. If you fail to validate, or if you continue reporting unverified information, I will take all necessary actions, including filing complaints with the CFPB, FTC, and State Attorney General, and pursuing my legal rights under the FDCPA and FCRA.This letter is not an admission of liability. It is a request for validation and a dispute of your claim.Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-11-29 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: GA

Complaint narrative:
I am sending to formally dispute several inaccuracies on my credit report that continue to be reported despite my previous attempts to delete them. These inaccuracies include multiple addresses and charge-off accounts that are either incorrect, obsolete, or unverifiable, and their continued reporting is causing substantial harm to my creditworthiness and financial reputation XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, GA XXXX LENDMARK XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$31000.00}

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 2025-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding my vehicle title loan with TitleMax. I have had this loan for several years, and the balance continues to increase due to extremely high fees and interest charges. Even when I attempt to make payments, the payoff amount keeps going up instead of decreasing. 

I have repeatedly requested a clear and accurate payoff amount, but TitleMax has not provided XXXX. I believe the company is charging excessive or unfair fees and preventing me from paying off the loan. Their practices feel predatory, and I am unable to resolve this directly with them. 

I am asking the CFPB to review the loan, require TitleMax to provide a correct payoff amount, and investigate whether the fees and interest charges are appropriate and lawful. I simply want a fair resolution and the chance to pay off my loan and retrieve my vehicle title.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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:
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 XXXX years. 


15 U.S.C 1681s-2 ( A ) ( a ) 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. 


Delete the accounts below fecha inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Dispute Letter Incorrect Addresses & Name Variations XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/year> To : Equifax Subject : Formal Dispute of Inaccurate Personal Information Re : Incorrect Addresses and Name Variations on My Credit Report To Whom It May Concern, I am writing to dispute several inaccuracies in the Personal Information section of my credit report. These errors are violations of the Fair Credit Reporting Act ( FCRA ), specifically 602 ( A ) and 607 ( b ), which require consumer reporting agencies to maintain accurate and reliable information. 

XXXX. Incorrect / Old Addresses The following addresses are not accurate, not current, and should not be associated with my credit file. Please remove them immediately : XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NJ XXXX These addresses are either outdated, incorrect, or never belonged to me. Keeping incorrect addresses on file creates confusion, increases the risk of inaccurate reporting, and may be connected to accounts that do not belong to me. 

XXXX. Incorrect Name Variations My legal name is XXXX XXXX. 
Please remove any and all other name variations, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX These misspellings and variations are incorrect and may contribute to mixed credit files or inaccurate account reporting. 

Requested Action Under FCRA Under FCRA 611, I request an investigation and deletion of all incorrect personal information that is not verifiable or does not belong to me. 

Please send me : XXXX. Confirmation that these items have been permanently deleted, and XXXX. An updated copy of my corrected credit report. 

Thank you for your prompt attention. I expect completion of this investigation within the time required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: FL

Complaint narrative:
I reserved a booking on XX/XX/year>, for XXXX from XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX I paid on my cash app card because it was the only card I had on me at that time. The charges were {$45.00} for XXXX days. Plus a {$200.00} refundable deposit fee upon the return of my rental agreement contract. Upon returning, XXXX informed me that they released my {$200.00} Hold and I should see it back in my account. But according to Cash App, while I was chatting in store with the merchant at XXXX, a Cash App Representative informed me that I can see my hold or refund in XXXX to XXXX  days. It has been over that period of time and I reached back out to cash app, in which another representative told me something different that the transaction was final and theres no refund! Theres nothing else they can do and that my dispute and appeal has been denied. I asked the representatives to please reach out to the merchant so that they can also explain that they dont keep my deposits and that they made a decision without further investigating but instead they closed my case. I have receipts of proof, plus my rental agreement contract. My {$200.00} was never released and I need my money back. I am filing this complaint due to Cash App not properly investigating, in which XXXX would tell them to release the hold on my deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am submitting this complaint because XXXX XXXX XXXX is reporting inaccurate and unverified information on my credit report. I requested validation of this debt, but they did not provide any documentation proving the account is accurate or even belongs to me. 
Despite failing to validate the debt, the furnisher continues reporting it to the credit bureaus, which violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Incorrect Item Being Reported : Creditor : National Credit Unions Account Number : XXXX Issue : Reporting incorrect information and failing to validate the debt after my written request. 
Actions I Already Took : I sent a debt validation request to XXXX XXXX XXXX and received no proper validation. 
I disputed the account with the credit bureaus, but the furnisher continues reporting without verifying accuracy. 
What I Am Requesting : I am requesting that the CFPB require XXXX XXXX XXXX to remove this account from all credit reports ( XXXX XXXX and XXXX ) due to their failure to validate the debt and failure to comply with federal reporting laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
RE : Dispute and Validation Request for Account XXXX XXXXXXXX I am contacting you to dispute the accuracy and legitimacy of the account listed below. 
In accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting complete and thorough validation of this account. Please supply the following documentation : A copy of any original signed agreement or contract establishing responsibility for this debt. 
Proof that your organization has legal authorization to collect or report this account. 
A full itemized accounting of all charges, fees, payments, and interest applied to the account. 
Documentation showing rightful ownership or transfer of the debt, if applicable. 
Until proper validation is provided, all reporting and collection efforts must cease as required by federal law. If you are unable to verify this account, it must be removed from all credit reporting agencies immediately. 
Thank you for your prompt attention to this matter. This issue affects my credit standing and requires urgent resolution.

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 2025-11-29 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: GA

Complaint narrative:
The account listed is inaccurate and should not be reported under my name.

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 2025-11-29 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: FL

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: GA

Complaint narrative:
My account was disabled. I appealed the denial XXXX  times and not once have I gotten much as a response on my denials. Theyve not even provided any reasoning in abruptly closing my account. Here is the most recent dispute letter I forwarded over to chat support tonight : Subject : Request for Review and Reinstatement of My Cash App Account Hello Cash App Support, I am writing to formally appeal the recent deactivation of my Cash App account. I was notified that my account was disabled due to a supposed violation of Cash Apps terms or community standards. I respectfully disagree with this decision and believe there has been a misunderstanding. 
I have always used Cash App responsibly and in good faith. To my knowledge, I have not engaged in any activity that would violate your policies. If any action on my account appeared unusual or triggered a security flag, I assure you it was unintentional and not against your guidelines. I am fully willing to provide any information or clarification needed to verify my identity, my transactions, and my account history. 
My Cash App account is important for my personal and financial responsibilities, and I rely on it for secure, everyday transactions. I kindly request a full review of my account and reconsideration of the deactivation. I am confident that once reviewed, you will find my activity compliant with your terms. 
Please let me know if any documents, verifications, or explanations are needed on my end. I appreciate your time and your assistance in helping me resolve this matter as quickly as possible. 
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Date : XX/XX/year> Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX DC XXXX Subject : Unauthorized/Fraudulent Account XXXX  XXXX XXXX Account Number : XXXX ) To Whom It May Concern, I am formally disputing the XXXX  XXXX  account listed above. This account is fraudulent and unauthorized. I did not open, approve, or authorize any account with XXXX XXXX, and I did not consent to this debt. 

Under the Fair Credit Reporting Act ( FCRA ), any account opened without my permission must be removed from my credit file. I am requesting that this account be immediately investigated and deleted unless XXXX can provide valid proof that I personally authorized it. 

Please provide the following documentation : A signed application or contract IP address and device information used to open the account Identity verification records Any evidence proving I authorized this account If Affirm can not provide these items, this account must be removed from my credit report under FCRA 602A and 611. 

Please send the results of your investigation to my gmail listed above. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-11-29 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents XXXX  submitted so that I wont have to worry about this problem again.

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 2025-11-29 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:
I am sending to follow up on a credit report dispute I previously submitted to [ Name of Credit Reporting Agency, e.g., Experian/Equifax/TransUnion ] regarding multiple inaccuracies in my credit report. My initial dispute was submitted on XX/XX/year> and I have yet to receive confirmation that all items have been fully investigated and corrected. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 2025-11-29 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: LA

Complaint narrative:
Hello, I am following up regarding my previous dispute, as the inaccurate information remains on my credit report. I am requesting once again that the necessary corrections be made in compliance with the FCRA. The credit bureau is legally required to conduct a reasonable reinvestigation and ensure maximum possible accuracy. Please provide confirmation of the correction and an updated credit report once the issue has been resolved. 
XXXX XXXX Balance {$35.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief