vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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: FL

Complaint narrative:
This agency is in violation of 15 US 1692g. They were to notify me of this in writing 5 days r was not notified. As the original creditor, only I can validate this debt. I do not validate this lebt.

Therefore, the following accounts must be deleted from my report immediately : List of accounts to be deleted The reporting of these accounts ) is/are violations of 15 USC 51681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : consumer report So let me explain. Under the Truth in Lending Act 15 USC 51602 ( g ), " credit card '' is defin This makes your social security card, driver 's license/ID, and license plate credit cards that al tre used ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term * " does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly b issuer of a credit card or similar device ; The term " credit card '' means any card, plate, coupon book or other credit device existing f2 324 purpose of obtaining money, property, labor, or services on credit. for the extension of credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: CA

Complaint narrative:
I must emphasize that this complaint is not a mistake. My credit report contains inaccuracies that are not guaranteed to be maximally accurate. These errors are severely impacting me and continuing to cause significant negative effects that you can not fully comprehend. These are challenging times, and correcting or removing these inaccuracies would be a substantial relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: OR

Complaint narrative:
I am submitting a formal dispute regarding the reporting of my XXXX XXXX XXXX  account, account number ending in XXXX, which shows a reported balance of {$480.00}, with an open date of XX/XX/year>, and a last activity date of XX/XX/year>, currently listed as a collection or charge-off on my credit report. Upon reviewing my records, it is clear that this reporting is inaccurate, as I made all payments for this account on time. The continued negative reporting is inconsistent with my actual payment history and misrepresents my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank using the name Carecredit appoves credit for XXXX  but after paying on the card for over a year the balance and interest were raised. I have been paying {$150.00} for many months and the balance does not go down

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 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/year>, I purchased a refrigerator from XXXX using my Bank of America debit card. XXXX delivered the wrong refrigerator, so I refused delivery. The delivery team took the item back immediately and it was restocked. XXXX provided photos and documentation to Bank of America confirming that the item was returned and that I never accepted or received the merchandise. 

Even with this proof, Bank of America denied my dispute XXXX times and did not credit my account. Bank of America also blocked me from reopening the dispute through the mobile app and website. I am unable to file a new claim even though the problem is still unresolved. 

I am requesting that Bank of America reopen my dispute, issue the required credit, and remove the block that prevents me from filing 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 explanation
Consumer complaint received 2025-11-25 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: CT

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-25 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: CT

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: Block, Inc.
State: MA

Complaint narrative:
We met in a dating site. We exchanged numbers, She told me that she needed money and I would be repaid last Wednesday ( XX/XX/year> ). She also promised we would meet on Thursday ( XX/XX/year> ). I've sent {$35.00} through Cash App so that she could " pay for food on XXXX ''. On Wednesday ( XX/XX/year> ), she blocked me. Then on Thursday ( XX/XX/year> ), she contacted me again, presumably to try to seduce me and scam me again. I haven't made any replies since Wednesday ( XX/XX/year> ). I've already filed a report with the IC3 and I reported it to the local authorities as well. After multiple attempts to dispute the transaction through Cashapp and getting denied, even after showing the local police report, I stopped trying to do it directly and do it through my bank instead. Unfortunately my bank has a policy that Cashapp transactions are treated like cash and only unauthorized transactions would qualify for a dispute, so my bank couldn't help either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2025-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Blockchain.com, Inc.
State: SC

Complaint narrative:
Blockchain.com is wrongfully holding my funds, de-verifying my account with no reason, and refusing to allow me to access or withdraw my own money. 

On XX/XX/year>, I initiated XXXX cryptocurrency purchases through Blockchain.com. Both transactions remained pending for over a week. I sent the company the transaction IDs, screenshots, and proof that I had sufficient funds. They told me both transactions would be returned to my trading account. 

Only the larger transaction was returned. The second transaction amount of {$450.00} is still missing. 

After that, Blockchain.com placed the returned funds into my trading account but suddenly de-verified my account, even though I had already completed every verification step they requested. Their support team repeatedly told me I was doing the verification wrong, then finally told me that if I did one more turning I would be verified. I did exactly what they asked.

Immediately after that, they de-verified me and locked my account so I can not withdraw or use my funds.

They also promised to send my XXXX  to my external wallet over a week ago, but they never did. They are now ignoring my messages entirely.

What I believe Blockchain.com did wrong Wrongfully restricted access to my account after I completed verification Withheld {$450.00} from a transaction they claimed to have returned Failed to follow through on written support promises to send my XXXX  to my external wallet Misrepresented the status of my transactions Ignored repeated attempts to resolve the issue Held funds without cause, explanation, or timeline This has prevented me from accessing my own money and cryptocurrency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Alabama Housing Finance Authority
State: MO

Complaint narrative:
Hello, My name is XXXX XXXX, and I am reaching out because I am in an urgent and devastating situation involving mortgage fraud and a fraudulent property transfer. I recently went through a difficult divorce, and as a single mother of XXXX children, I have been trying to stabilize our lives. Instead, on XX/XX/year>, I was misled into signing documents that removed me from my own mortgage and property without my knowledge or consent. 

I was told the paperwork was only to remove my ex-husband from the loan, but that was a lie. The documents I signed were used to fraudulently transfer or alter ownership, and the mortgage was moved out of my name without my agreement. I never intended to sell my home, transfer my home, or give away my ownership. The messages I have clearly show that I was only requesting to remove my ex-husband, not myself. 

Since that date, I have discovered documents and actions that I did not authorize, approve, or fully understand. I was targeted and taken advantage of during a vulnerable and stressful time, and now I am terrified of losing my home and putting my children at risk because of someone elses deception. 

I am asking for help to investigate this situation, stop any further fraudulent actions, and restore my rightful ownership and status on the loan. I have screenshots, messages, and documents showing what I was told versus what was actually done. 

Please let me know what steps I need to take, what information you need from me, and how we can move forward. I truly appreciate any assistance and guidance you can provide. 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: TN

Complaint narrative:
I am filing this complaint regarding inaccurate reporting on my credit reports by TransUnion, Experian, and Equifax, involving multiple accounts with XXXX/DOFED that show incorrect late payment information and balances. On TransUnion, accounts XXXX, XXXX, XXXX, and XXXX report late payments and payment histories inconsistent with my records, despite all payments being made on time, with balances ranging from {$2000.00} to {$4300.00} and last payments recorded on XX/XX/XXXX. On Experian, accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with balances between {$2000.00} and {$4300.00}, opened between XX/XX/XXXX and XX/XX/XXXX, are reported inaccurately with late payments that do not match my payment history through XX/XX/XXXX. Similarly, Equifax reports XXXX/DOFED accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX through XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with balances from {$2000.00} to {$4300.00}, opened between XX/XX/XXXX and XX/XX/XXXX, and last payments on XX/XX/XXXX, as having late payments that do not reflect my actual payments. These discrepancies have negatively impacted my creditworthiness, and I am requesting that each bureau fully investigate the disputed accounts with the furnishers, update my reports to reflect accurate balances, account status, and payment histories, and provide written confirmation of the results, in accordance with the Fair Credit Reporting Act ( FCRA 1666, 1666a, 611, 623 ( a ) ( 2 ), 623 ( b ) ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account does not belong to me and is being reported inaccurately

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 2025-11-25 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: IN

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, fl, XXXX XXXX XXXX XX/XX/year> Account number XXXX MIDLAND CREDIT MANAGEM XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX Dear MIDLAND CREDIT MANAGEM ], I am writing in response to the recent communication I received from your agency regarding an alleged debt associated with my account. I am requesting validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically under Section 809 ( b ). I dispute the validity of the debt, and it is within my rights as a consumer to request that you provide me with detailed information to substantiate your claim. I kindly request that you provide the following 1. The original creditor 's name and contact information.

2. The original account number associated with the alleged debt.

3. Detailed information about the nature of the debt, including the dates and amounts of all transactions or 4. Any contracts, agreements, o
r other documents that demonstrate my obligation to pay this debt.

5. Proof of your agency 's authorization to collect this debt on behalf of the original creditor.

that under the FDCPA, you are required to cease all collection activities until you provide the requested validation of the debt. This includes but is not limited to contacting me by phone, mail, or any other means of communication. I also request that you provide a written statement confirming that the alleged debt will not be reported to any credit reporting agencies until the requested validation is provided. Should any negative information be reported, I will take appropriate action to dispute the accuracy of the reported data. I expect a prompt response to my request within 30 days from the date of your receipt of this letter, as stipulated by the FDCPA. Failure to provide the requested validation within the specified timeframe will be deemed an admission that you can not substantiate the debt, and I will consider the matter resolved in my favor. Please send all correspondences and documentation related to this matter to the address listed above. Any communication or collection attempts made outside of the written response to this validation request will be considered a violation of the FDCPA. Thank you for your immediate attention to this matter. I trust that you will handle this request in accordance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The listed inquiries were without authorization, and no legitimate business purposes. As such, it is a very serious error in reporting : XXXX  XXXX. Date of inquiry : XX/XX/XXXXXXXX XXXX. Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX. Date of inquiry : XX/XX/XXXXXXXX XXXX. Date of inquiry : XX/XX/XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX XXXX. Date of inquiry : XX/XX/XXXX XXXX. Date of inquiry : XX/XX/XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX XXXX. Date of inquiry : XX/XX/XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX XXXX  XXXX. Date of inquiry : XX/XX/XXXX XXXX. Date of inquiry : XX/XX/XXXX XXXX. Date of inquiry : XX/XX/XXXX XXXX. Date of inquiry : XX/XX/XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX XXXX. Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX. Date of inquiry : XX/XX/XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
CBE has called and texted messaged me for over a month about a supposed debt owed to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and they confirmed that no debt is owed to them. I also checked my account balance, just to be sure that it was closed out at zero when I relocated and changed service providers, and the balance is {$0.00}. In fact, my last payment to XXXX XXXX XXXX was an overpaid and the difference was refunded to my bank account. 

I dont know who CBE is or where they get their information, but they have no business contacting me. This debt never existed, as confirmed by XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: KY

Complaint narrative:
I must emphasize that this complaint is not a mistake. My credit report contains inaccuracies that are not guaranteed to be maximally accurate. These errors are severely impacting me and continuing to cause significant negative effects that you can not fully comprehend. These are challenging times, and correcting or removing these inaccuracies would be a substantial relief.

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 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Due to hardships previously caused by government shutdowns and thus currently having to deal with, I am trying to have the overdraft fees waived. I have spoken with the customer service and they were not helpful at all.

Company response to consumer: Closed with monetary relief