vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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: IL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX last 4 of Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX. Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened XXXX XXXX opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX opened XXXXXX/XX/XXXX Bal : {$1900.00} Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX . These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and frau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I fell behind in my PHH mortgage payments in XXXX  due a car accident and contracting XXXX. While on SNAP/Medical Benefits I applied for Pennsylvania Homeowners Assistant Fund and was awarded funding XXXX to bring up mortgage payments current. However, after PHH mortgage calculated my outstanding mortgage payments I still needed about XXXX which I did not have available and my funding was denied. I have since found stable employment but I have been denied a fair loan modification.

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 2025-11-10 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: NC

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-11-10 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Inc.
State: CA

Complaint narrative:
I made a transaction with Sendwave on XX/XX/year> The recipient is XXXX XXXX and she is to receive the funds via XXXX  for the amount of {$39.00}. 

I attempted to have the transaction cancelled within the first XXXX minutes the transaction was made, however I was denied despite the receipt stating the policy that entitles me to this request. 

I attempted to request for a refund because XXXX, upon the recipient contacting them, refused to comply or be willing to release the funds. 

The receipt relays the policy that I am entitled to a refund if the funds fails to be released within 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I assert that the incorrect late payment entries on my accounts violate 15 U.S.C. 1666. I have consistently made my payments on time, and any discrepancies in this reporting are both unfair and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I contacted American Express about a charge for XXXX on XX/XX/year> with XXXX. XXXX had promised me a full refund after XXXX billing cycles which would have been XXXX or XX/XX/year>. I have a voicemail recording from XXXX confirming this. I didn't discover the missing refund until a week ago. I contacted XXXX and ended up spending several hours on the phone getting disconnected. 

I then contacted AMEX asking them to open a dispute. This dispute was closed within XXXX hours because the disputed amount is past XXXX  days. I reopened the dispute and it was closed within XXXX minutes on a Sunday night. I am not able to talk to any person in that department - the regular AMEX agents claim that they are unable to do anything on their system once a dispute is closed. 

The dispute was clearly adjudicated by an algorithm and not a real person. The response letter claimed that the charge is older than XXXX  days. However, the AMEX agent told me that AMEX does consider older claims especially if the merchand promised a refund because that itself can take XXXX billing cycles. 

Amex did not consider the circumstances of my dispute- the fact that I had disputed the amount with XXXX immediately and that a refund could have arrived as late as XXXX ( which is XXXX months ago ). I believe that my case should be looked at by a human and not just an algorithm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I assert that the incorrect late payment entries on my accounts violate XXXX U.S.C. XXXX. I have consistently made my payments on time, and any discrepancies in this reporting are both unfair and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I deposited a check in XXXX of {$17000.00} into an ATM and it was under my uncles name which was my mistake and I understood why they closed my account and sent the check under investigation but it has now been 3 months and they havent even sent the check back to the original owner, Ive took my uncle to the branch to confirm the check wasnt fraud weve went multiple times and called multiples times and all they tell is the same XXXX that its on hold but they dont do anything it is just sitting there weve called the insurance ( where the check came from ) and on there side it says it has been cashed when it has not so they cant do anything the bank Truist needs to do something this isnt just some money it is money to buy a vehicle and it has been 3 months this is ridiculous.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: AZ

Complaint narrative:
Uplift is reporting an account that is unvalidated. No original application, no ledger, no DOFD. They verified with CRAs without doing a proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. Enclosed are the supporting documents to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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:
This complaint is submitted by XXXX XXXX XXXX, XXXX, as the duly authorized representative of XXXX XXXX XXXX, pursuant to a signed Consumer Authorization and Limited Assignment Agreement executed on XX/XX/year>. This filing concerns the unlawful reinsertion of a previously deleted account by Experian Information Services LLC, in direct violation of the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ). The account in question, identified as XXXX XXXX  # XXXX, was previously deleted following a verified dispute resolution. However, Experian subsequently reinserted the same account into XXXX XXXX credit report without providing the mandatory written notification within five business days of such reinsertion and without obtaining or furnishing certification of accuracy from the data furnisher, XXXX. 

Such conduct represents a willful and negligent disregard of the FCRAs reinsertion provisions, which explicitly require both certification from the furnisher and timely written notice to the consumer. Experians failure to adhere to these statutory obligations has caused XXXX XXXX XXXX significant harm, including reputational damage, decreased creditworthiness, and emotional XXXX  arising from the reappearance of previously deleted and inaccurate information. 

Despite multiple prior communications and requests for clarification, Experian has failed to provide any documentation, certification, or verifiable evidence substantiating the accuracy or lawful reinsertion of the account. This lack of compliance constitutes a clear violation of federal law and reflects a systemic failure to maintain reasonable procedures to assure maximum possible accuracy of consumer information, as mandated under FCRA 607 ( b ). 

Accordingly, the complainant requests that the Consumer Financial Protection Bureau ( CFPB ) initiate a full investigation into this matter, compel Experian to permanently remove the unlawfully reinserted XXXX XXXX  account, and require Experian to produce documented proof of any certification or correspondence related to the reinsertion. Additionally, the CFPB should consider appropriate enforcement measures and sanctions to ensure Experians future compliance with all FCRA provisions. 

This complaint is respectfully submitted by XXXX XXXX XXXX, XXXX, through its authorized representative, XXXX XXXX, acting on behalf of XXXX XXXX XXXX, to uphold and enforce his statutory consumer rights under federal 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 2025-11-10 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 submitting this complaint as a consumer who has carefully reviewed my credit report and identified inaccurate and harmful reporting that is negatively affecting my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), specifically 1681e ( b ) and 1681i, I have the right to dispute any inaccurate information and to have disputed accounts investigated to ensure maximum possible accuracy. Despite this, several accounts reported by DPT EDXXXX continue to appear inaccurately on my credit file. The specific accounts in question are as follows : DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a reported balance of {$1400.00}, DPT ED/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a reported balance of {$3200.00}, and DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a reported balance of {$3200.00}. These accounts contain incorrect reporting information that misrepresents my payment history and financial responsibility. The inaccuracies make it appear as though I have missed or defaulted on payments when, in reality, I have consistently managed my obligations responsibly and maintained a strong record of timely payments. These errors have caused significant harm to my credit profile and overall financial standing by lowering my credit score and creating a false representation of my credit behavior. This failure to maintain accurate reporting and to correct previously disputed inaccuracies constitutes a violation of FCRA 1681e ( b ) and 1681i, which require consumer reporting agencies to ensure maximum possible accuracy and to promptly reinvestigate disputed information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OR

Complaint narrative:
CFPB Complaint Draft Cash App Gambling Refund Company Name : Block, Inc. ( Cash App ) Product : Mobile payment app / digital wallet ( Cash App ) What happened : Between [ insert first transaction date ] and [ insert last transaction date ], I made deposits totaling {$19000.00} from my Cash App account to XXXX XXXX XXXX XXXX, which operates as an unlicensed offshore online gambling platform. 
Cash App processed these transactions even though its own Acceptable Use Policy explicitly forbids using the service for gambling or wagering activity. 

Under the Unlawful Internet Gambling Enforcement Act ( 31 U.S.C. 53615367 ) and Oregon law ( ORS 167.109 ), payment processors are prohibited from knowingly accepting or transmitting funds connected to unlawful internet gambling. XXXX is not licensed in Oregon or anywhere in the United States, making these transfers unlawful. 

I have already contacted Cash App requesting a refund and sent a formal refund demand letter dated [ insert date ]. To date, I have not received any confirmation or reimbursement. Cash Apps failure to block or reverse these unlawful transactions constitutes a violation of federal law, state consumer protection statutes, and its own terms of service. 

What I want : Refund of {$19000.00} in deposits made to XXXXXXXX XXXX via Cash App. 

Written explanation of Cash Apps compliance process for unlawful gambling transactions. 

Confirmation that Cash App will prevent future unlawful gambling transfers. 


Supporting documents attached : XXXX. Cash App transaction report showing all XXXX XXXX debits. 


XXXX. Refund demand letter to Cash App dated XXXX of XXXX  til now. 


XXXX. Screenshots or confirmations from XXXX account showing deposits. 



XXXX XXXX XXXX XXXX XXXX XXXX  or XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are multiple inaccuracies being reported on my credit reports by XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX  XXXX XXXX XXXX, which have not been corrected by Experian, Equifax, or TransUnion. 

The credit bureaus are also reporting wrong personal information, including old and inaccurate addresses, incorrect phone numbers, and misspellings of my name. These errors have been on my reports for an extended period and are still not fixed. 

I have mailed dispute letters and called each bureau multiple times requesting that my personal information and these inaccurate accounts be investigated and corrected. Although the bureaus show investigation results on my credit files, the investigations appeared to be computer-generated and completed within a few hours, with no real corrections made. It does not seem that any human review took place, and the problems remain unresolved. 

The accounts from XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX  XXXX XXXX XXXX continue to show conflicting dates, wrong balances, and inaccurate statuses. The bureaus have failed to ensure maximum possible accuracy as required under FCRA 607 ( b ) and have not conducted reasonable reinvestigations under FCRA 611 ( a ).

I have also filed seven complaints with the CFPB in the past, but the responses from the credit bureaus claimed they were duplicate complaints, without addressing the underlying issues.

I am asking that the CFPB require Experian, Equifax, and TransUnion to : Fully reinvestigate these disputed accounts and my personal identifying information.

Delete all unverifiable or inaccurate data.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute and request correction of inaccurate information appearing on my credit report regarding my XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$240.00}. 
Upon reviewing my records, I determined that this reported late payment does not accurately reflect the status of the account at that time. The inclusion of this incorrect late payment is misleading and has negatively affected my credit profile. Accurate reporting is essential to reflect my true creditworthiness and financial responsibility.

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 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I applied for the XXXX XXXX XXXX XXXX XXXX from Capital One using a mailed pre-qualified offer that included a 0 % Intro APR on balance transfers for the first 15 months, along with a 1 % balance transfer fee during that period. I have the original printed offer that clearly lists these terms.

After opening the card, the balance transfer promotion did not appear anywhere on my account. I contacted Capital One customer service on XX/XX/XXXX, and I was told the offer would be manually added. When nothing happened, I called again on XX/XX/XXXX, and once more on XX/XX/XXXX. As of XX/XX/XXXX, Capital One has not added the balance transfer offer and has provided no update or explanation.

I opened this card specifically for this balance transfer promotion. The written offer I applied from explicitly includes a 0 % intro APR for 15 months on balance transfers. The companys failure to honor this written offer has prevented me from transferring a balance as intended.

I can provide the original printed offer letter that contains the promotional terms listed above.

Company response to consumer: Closed with explanation