vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd

Complaint narrative:
My XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX uses a Wise Business account ( XXXX ). Since XXXX, Wise has blocked my account and access to funds due to a technical failure in their address-verification system. 

I have repeatedly provided full proof of my XXXX operating address ( bank statements, XXXX tax authority letters, XXXX ID, video demonstration ). Wise agents acknowledged this as a system bug, not a compliance issue. For example, on XX/XX/XXXX they wrote that the issue has been raised to the developer team and were still waiting for their response. 

However, Wise refuses to manually verify the address and will not override the broken automated form, which blocks me with the message That address doesnt look right. Screenshots in the support conversation show this clearly ( support-exchange.pdf, pages XXXX ) Despite daily follow-ups ( XX/XX/year> ), Wise provides only repeated we are waiting for the developer team responses, with no timeline or action. My formal complaint was acknowledged on XX/XX/XXXX, but my account remains frozen with no progress. 

This is not an XXXX delay. It is a technical malfunction on Wises side that they have confirmed multiple times. My business has now been unable to access its funds or complete transfers for over a month, causing direct operational harm. 

Wises inaction and reliance on a broken automated tool constitute an unreasonable restriction of access to my business funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: TX

Complaint narrative:
My Cash App account was suddenly closed due to an alleged Community Guidelines violation, but Cash App did not provide any explanation or details about what specific rule I supposedly violated. I did not engage in any prohibited, fraudulent, or suspicious activity, and I have no information about what triggered the closure.

I contacted Cash App Support multiple times requesting clarification, the reason for the account closure, and instructions on how to restore my account or verify my identity. I also asked them to review my account. However, Cash App did not provide an explanation, did not state what guideline was violated, and did not offer any way to resol

ve the issue. Cash Apps lack of transparency has prevented me from accessing or managing my account, and I am unable to correct anything because they have not told me what the issue is. I am requesting assistance from the CFPB to require Cash App ( Block, Inc. ) to : Provide the specific reason my account was closed, Conduct a full review of my account, and Restore my account or allow me to verify my identity so I can regain access. 

I have made good-faith attempts to resolve this directly with Cash App but have not received any meaningful help or information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have received a total of XXXX calls from Citibank in regards to a past due payment over the past 5 days ( XXXX ). They also called on Saturday and Sunday. 
I requested called information regarding their policy for the number of times they reach out to customers and they could not provide specific documentation or source the agreement for it. I requested to not be contacted as frequently. 
Its been really stressful and inconvenient for them to call so often.

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 2025-12-02 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: WI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: VA

Complaint narrative:
MOHELA has reported late payments on my federal student loan accounts that are inaccurate, incomplete, and in violation of federal law. During the period from XX/XX/XXXX through XX/XX/XXXX, federally-held student loans were protected under the CARES Act, which required servicers to place all eligible loans into automatic administrative forbearance with a 0 % interest rate and prohibit the reporting of any delinquency. Despite these protections, MOHELA continued to report late payments and delinquencies on my credit reports, causing significant harm. 

I submitted disputes to the credit reporting agencies regarding these inaccurate late payments. MOHELA either failed to provide proper verification or furnished information that does not match the actual forbearance periods established by law. This violates : CARES Act student loan protections FCRA 602 ( a ) accuracy requirements FCRA 607 ( b ) duty to ensure maximum possible accuracy FCRA 611 ( a ) failure to properly investigate disputed information FCRA 623 ( a ) furnisher responsibility to avoid reporting inaccurate information These inaccurate late payments have caused me to be denied housing, credit opportunities, and financial services. I am requesting the CFPBs assistance because MOHELA has not corrected the misinformation or provided evidence that the reported delinquencies are valid or legally permissible.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-12-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
There were XXXX fradulent pulls on my credit. Someone tried to open an XXXXXXXX XXXX XXXX XXXX  with XXXXXXXX XXXX XXXX. Someone also tried to open a Quicksilver card with Capital One. My bank alerted me to these XXXX pulls on my credit through XXXX. XXXX  has been notified and my credit is now frozen across all XXXX. I have also reported the fradulent applications with both XXXX and Capital One. I recieved e-mails regarding both of these fradulent applications XXXX hours ago as well. It appears they are using my maiden name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: OH

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 2025-12-02 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:
My name is XXXX XXXX XXXX XXXX, and I am demanding the removal of all XXXX  XXXX Charge-Off accounts from my credit file because they are inaccurate, incomplete, and legally unverifiable under the Fair Credit Reporting Act ( FCRA ). XXXX XXXX has not produced original signed contracts, full payment histories, or a valid first date of delinquency to support these tradelines. Thus, violating FCRA subsections 602, 607 ( b ), 611 ( a ) and 623 ( a ) ( 1 ) ( A ). The credit bureaus have also failed to provide me a meaningful method of verification under subsection 611 ( a ) ( 6 ) ( B0 ( iii ). I request immediate deletion of all accounts listed as unverified under subsection 611 ( a ) ( 5 ). ADDITIONAL HARD INQUIRIES THAT WERE UNAUTHORIZED : 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 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

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 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
Hi i am emailing about a denied appeal i was told they didnt find the double charge but i have proof. The original charge was XXXX from XXXX XXXX on XX/XX/XXXX ( email attached ) I was then charged the same amount ( email attached ) on XX/XX/XXXX. On XX/XX/XXXX i had XXXX that was taken torwards that then my next XXXX deposits of XXXX and XXXX were taken for recovery payment to add up to the XXXX that was charged the second time. I have all this attached. I also have an email from XXXX XXXX confirming they did not receive a double payment and telling me to contact my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: SC

Complaint narrative:
SOURCE RECVB is falsely reporting on my credit. I have never had any accounts with them. Per my research SOURCE RECVB is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: TX

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and I demand them to be investigated completely.

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 2025-12-02 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: NC

Complaint narrative:
I am writing to dispute the following accounts listed on my credit report as inaccurate. Below are the details of the disputed accounts, separated by each bureau : Charged-Off Accounts : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$7800.00} XXXX XXXX XXXX - Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX XXXX  - Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} Inquiries : XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX Late Payments : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX  XXXX Date Opened : [ Provide Date ], Balance : [ Provide Balance ] XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : [ Provide Date ], Balance : [ Provide Balance ]

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 2025-12-02 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: TN

Complaint narrative:
Dear Sir/Madam, I am disputing the following accounts on my credit report with the XXXX major bureaus. Below is a list of the accounts in dispute, including charged-off accounts, inquiries, and late payments. 

Charged-Off Accounts : XXXX, XXXX, XX/XX/XXXX, {$11000.00} XXXX, XXXX, XX/XX/XXXX, {$540.00} XXXX XXXX XXXXXXXX XXXX XXXX, XX/XX/XXXX, {$6200.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$460.00} XXXX  XXXX, XXXX, XX/XX/XXXX, {$5000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX, XX/XX/XXXX, {$980.00} XXXX  XXXX XXXX, XXXX, XX/XX/XXXX, {$680.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX {$750.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX {$610.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX {$310.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$420.00} XXXX XXXX XXXX  XXXX, XX/XX/XXXX, {$1700.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX {$0.00} Late Payments : XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Follow Up from case # XXXX -Account opened on XX/XX/year> with all Payments made On-Time until discrepancy raised which is not mentioned at all. 
We filed a chargeback regarding {$6500.00}. After agreeing that the charge was not fraud, as ordered from XXXX with XXXX to XXXX XXXX XXXX located in XXXX, Michigan, XXXX XXXX  due debt balance to {$13000.00} from closing initial {$6500.00} claim.

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 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I am a XXXX XXXX  woman residing in XXXX. I have been a Bank of America customer for more than 4 years, and I have always maintained my account in good standing. 
Approximately 20 days ago, I attempted to make a transfer, and the bank immediately froze my account, labeling it as potential fraud. Since then, I have called multiple times requesting information on how to verify my identity and access my funds from abroad, as I can not travel to the XXXX. 
The bank has provided contradictory information : some representatives said I could use a power of attorney or consular notarization, while others said there is no alternative and I must appear in person. 
This situation has become emotionally exhausting, causing me significant stress at my age, and I am unable to access my savings, which represent years of work. Bank of America refuses to provide any reasonable method for remote verification or a way to safely transfer my funds.

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 monetary relief
Consumer complaint received 2025-12-02 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: OH

Complaint narrative:
I am demanding the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are a direct result of a data breach that compromised my personal and financial informationa situation entirely outside of my control. Despite my efforts to rectify these issues, I continue to suffer the consequences of reporting failures that should have been addressed long ago. 

The fact that these inaccurate and unauthorized entries remain on my report, despite clear indications that my personal data was compromised, is completely unacceptable. This reckless mishandling of my information is damaging my creditworthiness, jeopardizing my financial stability, and blocking me from important opportunities. I will not tolerate this negligence any longer. 

I demand that you immediately investigate and permanently remove these erroneous entries. Any delay, inaction, or refusal to comply will be treated as a blatant violation of my consumer rights, and I will pursue all legal avenues available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your company accountable.

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