vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: OK

Complaint narrative:
On XX/XX/year>, I submitted to withdrawal {$6300.00} from my available cash balance to be deposited into my back account. I chose the option for up to 2 days so I wouldn't have to pay the {$75.00} instant fee. On XX/XX/year>, I had to get a new replacement debit card at my bank. I didn't realize I had to update my cashapp with the new debit card. They have my bank account linked on the account. On XX/XX/year>, I sent {$400.00} out of my available cash balance with not problems. I also received two payments in the form of {$60.00} via cash app. Both deposits were received with no problems and also the outgoing payment that is linked to this card. However, on XX/XX/year>, when my {$6300.00} was supposed to be deposited into my bank account, I got a message from Cashapp stating there was an error and the transaction failed. They said the card on file was invalid and the deposit could not be made. Even with my back account ( routing number and checking number on file ), they could not process my withdrawal. So I updated the card within minutes of the message. It was my mistake. I owned it and told them via chat. But since I had already waited the 1-3 days without fees, I wanted my money in my account since I had already waited. They told me it was not possible and that if I wanted to the money instantly, I would have to pay the {$75.00} instant fee. Otherwise, I would have to wait another 1-3 business days. I tried calling them and the rep kept telling me it would compromise my account if they processed it instantly. They kept telling me to look at the bright side and that they notified me of the card being invalid. The chat person XXXX was condescending and told me that the choice between speed and cost was entirely mine. I made a mistake of not updating my card. I get that. However, I waited my 2 days for my money. I had to do an instant deposit just to get my money. There is nothing that states that if an error is processed, then I would have to wait another 1-3 days or pay the instant fee. I want my {$75.00} fee back that was charged to me on XX/XX/year> for getting my own money instantly. How convenient that they still let the other three money transfers happen even though my card was not working. It was convenient for them because it benefited them to process those transactions, but they did not want to help me process my withdrawal without a penalty. I want my {$75.00} fee back! This is deceptive practices on fees and wait times. No one wanted to help understand my situation other than telling me it would compromise my account and to look on the bright side.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: IN

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am disputing the accuracy and completeness of the XXXX auto account ending XXXXXXXX XXXX XXXX across Experian, XXXX, and XXXX. Your tradeline is currently reporting collection/charge-off with a {$21000.00} balance and {$21000.00} past due, with last updates in XX/XX/year>. Some bureaus also display contradictory comments like customer disputes, meets FCRA requirements, or charged off as bad debt, and show inconsistent date last active and date of last payment entries. This appears to be inconsistent, misleading, and non-compliant with Metro-2 and the FCRA. The account was reinserted/updated recently after disputes without the statutorily required reinsertion notice to me. 
Whats inaccurate/incomplete ( Metro-2/FCRA specifics ) : Status vs. amount past due conflict : If the account is charged off, Metro-2 guidance expects Past Due = {$0.00} and use of the appropriate charge-off status code with an accurate DOFD ( Date of First Delinquency ). Reporting a simultaneous charge-off and a {$21000.00} past-due amount misleads lenders and artificially depresses my score.

Inconsistent dates across bureaus : Date of last payment, date last active, and last reported differ bureau-to-bureau. Data must be accurate and consistent.

Dispute coding : Some bureaus display consumer disputes, others dont. If I have an active dispute history, XXXXCompliance Condition Code must be applied uniformly during the investigation window. 
Reinsertion notice ( FCRA 611 ( a ) ( 5 ) ( B ) ) : After a prior dispute, the recent reappearance/updates required a prompt written notice of reinsertion, which I did not receive.

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 2025-11-03 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: GA

Complaint narrative:
I am disputing the accuracy and completeness of the XXXXXXXX XXXX  account ending XXXXXXXX XXXX XXXX across XXXX, XXXX, and TransUnion. Your tradeline is currently reporting collection/charge-off with a {$21000.00} balance and {$21000.00} past due, with last updates in XX/XX/year>. Some bureaus also display contradictory comments like customer disputes, meets FCRA requirements, or charged off as bad debt, and show inconsistent date last active and date of last payment entries. This appears to be inconsistent, misleading, and non-compliant with Metro-2 and the FCRA. The account was reinserted/updated recently after disputes without the statutorily required reinsertion notice to me. 
Whats inaccurate/incomplete ( Metro-2/FCRA specifics ) : Status vs. amount past due conflict : If the account is charged off, Metro-2 guidance expects Past Due = {$0.00} and use of the appropriate charge-off status code with an accurate DOFD ( Date of First Delinquency ). Reporting a simultaneous charge-off and a {$21000.00} past-due amount misleads lenders and artificially depresses my score.

Inconsistent dates across bureaus : Date of last payment, date last active, and last reported differ bureau-to-bureau. Data must be accurate and consistent.

Dispute coding : Some bureaus display consumer disputes, others dont. If I have an active dispute history, XXXX/Compliance Condition Code must be applied uniformly during the investigation window. 
Reinsertion notice ( FCRA 611 ( a ) ( 5 ) ( B ) ) : After a prior dispute, the recent reappearance/updates required a prompt written notice of reinsertion, which I did not receive.

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 2025-11-03 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: GA

Complaint narrative:
I am disputing the accuracy and completeness of the XXXX XXXX  account ending XXXXXXXX XXXX XXXX  across XXXX, Equifax, and XXXX. Your tradeline is currently reporting collection/charge-off with a {$21000.00} balance and {$21000.00} past due, with last updates in XX/XX/year>. Some bureaus also display contradictory comments like customer disputes, meets FCRA requirements, or charged off as bad debt, and show inconsistent date last active and date of last payment entries. This appears to be inconsistent, misleading, and non-compliant with Metro-2 and the FCRA. The account was reinserted/updated recently after disputes without the statutorily required reinsertion notice to me. 
Whats inaccurate/incomplete ( Metro-2/FCRA specifics ) : Status vs. amount past due conflict : If the account is charged off, Metro-2 guidance expects Past Due = {$0.00} and use of the appropriate charge-off status code with an accurate DOFD ( Date of First Delinquency ). Reporting a simultaneous charge-off and a {$21000.00} past-due amount misleads lenders and artificially depresses my score.

Inconsistent dates across bureaus : Date of last payment, date last active, and last reported differ bureau-to-bureau. Data must be accurate and consistent.

Dispute coding : Some bureaus display consumer disputes, others dont. If I have an active dispute history, XXXXCompliance Condition Code must be applied uniformly during the investigation window. 
Reinsertion notice ( FCRA 611 ( a ) ( 5 ) ( B ) ) : After a prior dispute, the recent reappearance/updates required a prompt written notice of reinsertion, which I did not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: CA

Complaint narrative:
This negative entry is a mistake and misrepresents my financial responsibility. Please correct it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: CA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-03 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: CA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I was unaware that my available funds for usage had decreased from {$4000.00} to {$700.00}. Also, I paid the total balance of over {$3000.00} off in full. I wasn't aware of owing them anything .. as my balance was XXXX. I generally get a email when the bill is due, I did not receive that either. XXXX ( Commentiy Bank ) charged me a {$42.00} late fee balance and place a negative remark on my credit report. It is clear that I satisfied my debt. I believe this was done unfairly and intentionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-03 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: NJ

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pollack & Rosen, P.A.
State: NY

Complaint narrative:
On XX/XX/year>, I sent a formal, written dispute and validation request to the debt collector via Certified Mail. In this letter, I stated that the alleged debt is not mine and is the result of documented fraud. I demanded full validation under the FDCPA ( 15 U.S.C. 1692g ) and substantiation under New York law ( 23 NYCRR 1.4 ). 

Upon receipt of my letter, the collector was legally obligated to cease all collection activities until they provided this validation.

The company has violated the law in two ways : Failure to Validate : To this day, I have received no validation or substantiation of any kind. The 60-day deadline for them to provide this information under New York law has now expired.

Illegal Harassment : Instead of ceasing collection, the collector has continued to harass me with an excessive number of phone calls from various numbers. My phone logs show repeated calls on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and continuing through XXXX. The most recent illegal calls and voicemails, where they identify themselves, occurred on XX/XX/XXXX and XX/XX/XXXX. 

This company is illegally harassing me for a debt I do not owe and that they have failed to validate as required by federal and state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: GA

Complaint narrative:
I am a victim of identity theft and would like these accounts removed as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

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 2025-11-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing the following charged-off accounts, late payments, and inquiries on my Experian credit report : Charged Off Accounts : 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 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 2025-11-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: VW Credit
State: CA

Complaint narrative:
I returned my leased XXXX XXXX XXXX XXXX  on XX/XX/XXXX to XXXX XXXX California. 

Audi Financial Services assessed an unwarranted end-of-lease fee of {$2000.00} for a missing charging cable ( Account # [ XXXX ], VIN : [ XXXX XXXX ). 

I am disputing this charge because the charging cable was never provided to me at the inception of the lease. I returned every item I received at the time of delivery. 

Crucial Detail : I communicated the missing cable issue to my Sales Consultant, XXXX, at XXXX XXXX when I found out the issue. He promised to follow up but did not. When I attempted to follow up myself, I was informed XXXX was no longer employed there. XXXX XXXX then refused to provide the missing cable, citing a lack of documentation on my part. I assert that it is the dealership 's responsibility to maintain records regarding missing equipment, and their internal communication failures or employee turnover do not justify holding me liable for this {$2000.00} charge. 

I escalated this to XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX ) who refused to waive the fee on XX/XX/XXXX, stating they lack internal documentation to prove their mistake. I request that XXXX XXXX XXXX  immediately investigate the dealer 's original delivery process and waive the unwarranted {$2000.00} charge. ''

Company response to consumer: Closed with monetary relief