vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-01 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: FL

Complaint narrative:
This inconsistency is a violation of 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report.

Additionally, Metro 2 Compliance Standards require furnishers to report data uniformly and accurately across all credit reporting agencies. The contradictory reporting of this account demonstrates noncompliance with these standards.

I have formally disputed these inaccuracies with each credit bureau and requested deletion of the false late payments. If the bureaus continue to report conflicting and inaccurate information, I request that the CFPB take enforcement action to ensure compliance with federal law and industry reporting standards.

Attached are copies of my dispute letters sent to each bureau. I respectfully request the Bureaus assistance in compelling the CRAs to delete the inaccurate late payments from my reports.

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 2025-09-01 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: FL

Complaint narrative:
This inconsistency is a violation of 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report.

Additionally, Metro 2 Compliance Standards require furnishers to report data uniformly and accurately across all credit reporting agencies. The contradictory reporting of this account demonstrates noncompliance with these standards.

I have formally disputed these inaccuracies with each credit bureau and requested deletion of the false late payments. If the bureaus continue to report conflicting and inaccurate information, I request that the CFPB take enforcement action to ensure compliance with federal law and industry reporting standards.

Attached are copies of my dispute letters sent to each bureau. I respectfully request the Bureaus assistance in compelling the CRAs to delete the inaccurate late payments from my reports.

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 2025-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: VA

Complaint narrative:
In XX/XX/year>2025, I received a Final Notice from XXXX demanding {$990.00}. The letter contained no itemized invoice, no cost breakdown, and no documentation identifying what the amount was for or how it was calculated. On XX/XX/year>2025, I submitted a formal written dispute by email, following the instructions in that notice. I received no reply or acknowledgment from XXXX. 

Despite my timely dispute, the account was sent to McCarthy, Burgess & Wolff ( XXXX ), a third-party collector, around XX/XX/year>2025 before any response to my dispute was provided. This violated 15 U.S.C. 1692g ( b ), which prohibits further collection activity until a dispute is addressed and the debt is validated. 

Only after I followed up again in XXXX did XXXX provide invoices but they were inconsistent. One showed a total of {$1000.00}, another {$990.00}. One document includes the phrase authorized via phone, but its dated days before the service and references a different total than the one sent to collections. The phrase is vague and likely refers to scheduling an appointment, not a binding agreement to charges. I was never shown a written estimate, cost disclosure, or invoice prior to service. Any verbal amount mentioned would not be binding, especially since the total could change after inspection which it did.

I was never given the opportunity to review, approve, or reject the final charges. The only time I saw any invoices at all was after the account had already been placed in collections.

In one email, XXXX acknowledged that it was possible they didnt receive my XX/XX/XXXX dispute, yet that same dispute was in the very email thread they were responding to. They still havent confirmed whether they received it, nor have they provided the proper documentation required to validate this debt. The amounts continue to vary, and no invoice number provided ever tied back to the original collection letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
this is a response to XXXX card ending in XXXX i received a letter in regards to an id theft claim from the company dated XX/XX/XXXX 2025. there should be no investigation concerning id theft i reported a fraudulent activity on my bank account XXXX  for suspicious activity that was found to be id theft claim nothing stating the XXXX account was id theft the account with XXXX is my acct the company closed the account the information on the statements from XXXX2025 to XXXX-2025 is accurate except that the amount due and that the account should have not been closed for over the limit activity and for past due payments. 
the account XXXX was reported to Equifax for in accurate information and that i reported that i had fraudulent activity on by bank account and this is why i reported to Equifax not XXXX but XXXX the payment due on XX/XX/year>2025 was late because i could not make payment because i did not have my debit card from the bank that i should have the debit card by XX/XX/year>2025 that i would make the payment then they could have not closed the account that they closed on XX/XX/scrub> 2025 i do not agree with Equifax there statement to XXXX and that the statement is falsely reported by Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: OR

Complaint narrative:
On XX/XX/year> Cash App has frozen my account and is withholding my funds due to suspicious activity. I explained why why this might have been triggered to customer service. Most likely due to the fact that I needed emergency cash sent to me through XXXX XXXX and my XXXX recently broke so I had to add my Cash App card to my sisters XXXX and have her help me transfer all of it into my cash app. I urgently need access to these funds for emergency housing expenses ( U-Haul rental and temporary lodging ). 

I am being forced out of my apartment today. Without these funds, I will be left homeless on the streets. Cash App has told me there is no way to unlock the account sooner, and I must wait XXXX hours, even though this will cause me irreversible harm, including loss of my housing and potentially an eviction judgment on my record. 

This freeze is not related to fraud on my part. These are my own legitimate funds, and the company is withholding them during a verified emergency. This has caused severe distress and threatens my ability to secure future housing. 

I believe Cash App is wrongfully withholding my money and failing to provide a reasonable process to release funds when customers face urgent needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United PanAm Financial Corp.
State: FL

Complaint narrative:
Debt Validation & Representation Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX2025 United Auto CreditUnited Auto Credit XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Formal Dispute and Request for Validation Account # XXXX To Whom It May Concern : I am contacting you regarding the above-referenced account This is a formal notice that I am dispute the validity of this alleged debt and that I demand proper validation as provided under the Fair Debt collection Practices act ( FDCPA ) ,14 U.S.C.1692g Additionally, I am aware of violation of U.S.C.1692e regarding false , deceptive, or misleading representations in your collection attempt Specifically : -You have represented information about this debt in a manner that is inaccurate and misleading -You have failed to provide clear and complete documentation substantiating your legal right to collect Accordingly, I require the following 1.Proof of the debt -a complete accounting of alleged balance.

2.Original signed contract or agreement showing that i have a legal obligation to pay 3.Proof of assignment/ownership -including chain of title if this account was sold or transferred. 

4.Verification of Licensing and authority proof that XXXX & XXXX is authorized to collect debts in my state ( Florida ) 5.Copies of all communications and records regarding this account Until you provide the above, you must immediately cease all collection activities, including but not limited to : Reporting this debt to any credit bureau.

Contacting me by phone or mail pursuing any legal action If you have already reported this debt to the credit reporting agencies, you are required under 15 U.S.C. 1692E ( 8 ) and Fair Credit Reporting Actt ( FCRA ) to mark the account as " in dispute '' failure to comply will leave me no choice but to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) the Federal Trade Commission ( FTC ), and the Florida Attorney General 's Office for your Violations of federal law.

I expect a written response within 30 days of your receipt of this. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: WI

Complaint narrative:
I am disputing multiple inaccurate accounts and inquiries being reported on my credit files with Equifax, Experian, and TransUnion. These accounts do not belong to me, and I have never opened or authorized them. I have attempted to dispute directly with the credit bureaus, but the information remains. 

The inaccurate accounts include lenders such as XXXX, XXXX XXXX, XXXX BankXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, and others. In addition, there are numerous hard inquiries listed that I did not authorize. Some bureaus are also reporting a bankruptcy record that is not mine. 

Equifax XXXX - XXXX * * * * XXXX - XXXX * * * * XXXX  - XXXX * * * XXXX XXXX XXXX XXXX XXXX * * * Inquiries : Multiple, including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Experian 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 * * * * Public Record : XXXX Bankruptcy XXXX ( XXXX XXXX XXXX : XXXX, including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

TransUnion XXXX - XXXX * * * * XXXX XXXX FIN - XXXX * * * * ( appears twice ) XXXX XXXX XXXX XXXX * * * * KIKOFF - XXXX * * * * CREDIT ACCEPTANCE XXXX XXXX XXXX * * * * XXXX XXXX - XXXX XXXX XXXX * * XXXX XXXX - XXXX XXXX XXXX * * XXXX XXXX XXXX  * * * * Inquiries : Multiple, including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I respectfully request that the CFPB require Equifax, Experian, and TransUnion to conduct a full and thorough reinvestigation of these disputed accounts, inquiries, and public records. Any information that can not be fully verified as accurate should be deleted from my credit files, and updated reports should be provided to me and any creditors or employers who XXXX have received the inaccurate information. I further request that the bureaus provide the name, address, and phone number of each entity that furnished the disputed information. These errors are causing significant harm to my creditworthiness, and I am asking for your assistance in ensuring my credit reports reflect only 100 % accurate and verifiable information.

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 2025-09-01 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: Global Lending Services LLC
State: PA

Complaint narrative:
It was reported to local and federal law enforcement that my former roommate has stolen my identity and was opening bank accounts, credit lines and an attempt to purchase multiple vehicles in my name. The following companies have pulled my credit over thirty times EACH in the past ninety days without my permission, on some occasions three times in one day : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GLOBAL LENDING SERVICES XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: TX

Complaint narrative:
I am filing this complaint against XXXX, which is unlawfully reporting a fraudulent collection account on my consumer credit file. 

Creditor/Agency Name : XXXX Amount Reported : {$2300.00} Status Reported : Closed Collection Credit Bureaus Reporting : Experian, TransUnion, Equifax This account is not mine and is being reported in error. I have already disputed this account with the credit bureaus and provided my identity theft report, copy of government-issued identification, and proof of address. Despite these actions, the account remains on my file.

Violations : FCRA 15 U.S.C. 1681c-2 ( 605B ) : Requires fraudulent/identity theft accounts to be blocked and deleted within 4 business days of receiving documentation.

FCRA 15 U.S.C. 1681i : Requires credit bureaus to conduct a reasonable reinvestigation of disputed accounts within 30 days.

FDCPA 15 U.S.C. 1692e : Prohibits the furnishing of false or misleading information related to a debt. 

By continuing to report this account, XXXX and the credit bureaus are in violation of federal law. 

Requested Relief : Immediate blocking and deletion of this account from all credit reports. 

Written confirmation of deletion provided to me. 

Enforcement action against XXXX for willful noncompliance with the FCRA and FDCPA. 

This fraudulent collection account is damaging my credit and financial stability. I respectfully request CFPB intervention for prompt correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting a complaint regarding the handling of my federal student loan by Aidvantage, the assigned loan servicer. 



I am attempting to make on-time payments toward my student loan. However, Aidvantage has made the process unnecessarily difficult and confusing. Despite my efforts to communicate and set up repayment, they recently sent me a delinquency notice, which I believe is unfair and inaccurate.The reason why I am highly concerned about this delinquency notice is due to them reporting to my Credit last month and making it drop XXXX points after I continuously applied for a deferment which they kept on denying it for WHATEVER reason they found each time. I was not able to make payments due to not having any type of income and I reported that and nothing ever was enough. they went ahead and RUINED the only source my Credit. 



The issues I am experiencing include : Difficulty accessing clear repayment options and assistance. every time I've spoked to someone on the chat they would always direct me to places where to do this and that but never explain how to do anything Lack of straightforward guidance from Aidvantage on how to properly make payments. 

Receiving a delinquency notice even though I have been actively trying to address my account and make payment arrangements. 


This situation has created unnecessary stress and is negatively impacting my financial well-being. I am requesting that the CFPB investigate XXXX practices regarding communication, repayment processing, and the issuance of delinquency notices and the reporting to my Credit. 


Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dear Sir, As I get older, I plan to take a break and travel more, so I applied for a capital one credit card on XX/XX/year>. It charged me the annual fee {$95.00}, but closed my account on XX/XX/year>, in XXXX days. 

Because of my credit limit, I pay immediately for every purchase I make! 

Because I set up automatic payments incorrectly, Key-in the check number redundant, which resulted in the first XXXX payments being returned by the paying bank. 

As soon as I saw the XXXX checks have been returned, I corrected it immediately and paid off all the payments for the third time. 

After I paid, I found out that they closed my account. The whole process took XXXX days and only XXXX transactions! 

No matter how I explained, the payment account was the same account XXXX times, except that the first XXXX times there was an extra check number, but they ignored it. 

From a consumer view, this is completely unreasonable! The credit card company charged me {$95.00} annual fee, but then closed my account within XXXX days, confiscated my points earned from XXXX purchases totaling {$12000.00}, and all my sign-up bonuses, which XXXX points for spending {$4000.00} in XXXX months. 

I am a good customer with a great credit score, so I hope they can re-open my account, or at least refund my annual fee. They can't just cancel my account without any warning. That's super unreasonable and unfair to a consumer. 






;

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: OH

Complaint narrative:
Helo uder the Fair Credit Reporting Act ( FCRA ), I reqest the imediate deletion of an acct reportin inaccurate and misleadin info.

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 2025-08-31 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: OH

Complaint narrative:
Helo uder the Fair Credit Reporting Act ( FCRA ), I reqest the imediate deletion of an acct reportin inaccurate and misleadin info.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to file an urgent complaint regarding my Capital One account. My account has been restricted for over XXXX months, and despite repeated Times Ive verified my identity through the app, website, and by phone, I have not been given access to my funds. 

Most importantly, this includes a government-issued check which I rely on for survival. I am currently homeless and facing serious hardship. I have informed Capital One of my situation multiple times, yet they have not resolved the issue. 

Additionally, I was issued a new account, but no card has been provided, and I can not transfer funds. Every time XXXX contact customer service, a new restriction or request is made, and I am stuck in a cycle with no resolution. 

I believe this may violate federal regulations regarding access to government funds and customer protection. 

I am requesting immediate access to my account and an explanation for the continued restrictions. If this is not resolved promptly, I will seek assistance from the Consumer Financial Protection Bureau, the OCC, and legal aid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Account Details : XXXX 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 non-monetary relief