vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WV

Complaint narrative:
Our company, XXXX XXXX XXXX, is filing this complaint due to Venmo 's improper refund of {$5300.00} across XXXX transactions, based on a false buyer claim that services were not received. The buyer, XXXX XXXX, received in-person vehicle repair services at our facility and later had her vehicle towed after refusing to pay the remaining balance. 

Venmo refunded her the full amount without contacting our business or requesting documentation. This was done entirely unilaterally. 

We later submitted full documentation proving that services were provided : Invoices, receipts, and repair details Proof of vehicle pickup via tow Payment and transaction confirmation Text/email correspondence from the buyer acknowledging the services Despite this, our Venmo account XXXX still negative by {$5300.00}, and Venmo has not resolved the matter. 

Desired Resolution : A full review of our submitted evidence Reversal or reimbursement of the {$5300.00} A formal update to XXXX policies to ensure merchant contact and fair review occurs prior to dispute decisions XXXX dispute resolution process is currently flawed, unfair to merchants, and has caused financial harm to our small business. We are requesting assistance to help resolve this matter promptly and fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: LA

Complaint narrative:
XXXX sold or assigned a debt to Jefferson Capital Systems that I do not owe. I have written confirmation from XXXX stating that my account was locked and that I would no longer be held accountable for any outstanding loans. Despite this, XXXX XXXX began contacting me and claiming I owe {$78.00} for an XXXX account ending in XXXX. I disputed the debt in writing and provided XXXX email showing that I am not responsible for any balance. XXXX XXXX collection efforts and Affirms sale of a non-existent debt violate the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: GA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-10-31 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: GA

Complaint narrative:
I am filing this complaint because my credit reports contain inaccurate and inconsistent information that violates my rights under the Fair Credit Reporting Act ( FCRA ) and the CARES Act. I have already submitted a written dispute to the credit bureaus regarding these errors, but I am requesting the CFPBs assistance to ensure a proper investigation and correction are completed. 

The accounts in question are XXXX BANK ( Account XXXX. XXXX * * * * * ) * * and XXXX XXXX XXXX  ( Account No. XXXX * * * * * ) * *. My credit reports show different information across the XXXX bureaus : XXXX Bank : Experian shows a XXXX late payment reported in XX/XX/year>, Equifax shows XXXX XXXX late in XX/XX/year>, while TransUnion does not list XXXX account at all. 

XXXX XXXX XXXX : No late payments are reported on any bureau, but the dates of last activity differ significantly between Experian, Equifax, and TransUnion. 

These inconsistencies clearly indicate that at least XXXX or more of the credit bureaus, or the furnishers, are reporting inaccurate and unverifiable information. This is a violation of FCRA 611 ( 15 U.S.C. 1681i ), which requires the bureaus to conduct a reasonable investigation of disputed information, and FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), which require furnishers to report accurate information and promptly correct any errors. Additionally, FCRA 623 ( b ) mandates that furnishers investigate disputed data once notified by a bureau. The discrepancies show this process was not properly followed.

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 2025-10-31 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: NJ

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: WV

Complaint narrative:
Company : Cash App / Cash Card ( XXXX XXXX ) Date of Dispute : XX/XX/year> Amount : {$590.00} Issue : Unauthorized electronic transaction with card Complaint : I reported an unauthorized {$590.00} transaction on my Cash App Card on XX/XX/year>. Today is the XXXX business day, and under Regulation E ( 12 CFR 1005.11 ), I am entitled to a provisional credit or the investigation result by now.

Cash App acknowledged my dispute but has not credited my account. I was told I would receive an update in 9 hours, which is after the 10th business day, violating federal law.

I request immediate provisional credit and a written confirmation of the investigations resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: TX

Complaint narrative:
I am submitting a formal complaint against Equifax for continuing to report inaccurate and unverifiable information on my credit report, in violation of multiple sections of the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/XXXX, I identified discrepancies in the following account : Creditor Name : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Reported Balance : {$2100.00} Creditor Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$1300.00} Issue : These inconsistencies include, but are not limited to : Conflicting or contradictory balances Inconsistent dates of last activity Discrepancies in closed date Inaccuracies in the reported creditor remarks I submitted a dispute directly with the credit bureau and requested a reinvestigation pursuant to : FCRA Section 611 ( 15 U.S.C. 1681i ) : Right to dispute inaccurate information and receive a reinvestigation within 30 days FCRA Section 609 ( a ) ( 1 ) ( A ) : Right to request original documentation for verification ( e.g., signed consumer contract ) FCRA Section 623 ( a ) ( 5 ) : Requirement to delete any information that can not be verified with the original creditor FCRA Section 1681e ( b ) : Obligation to ensure maximum possible accuracy in reporting Despite my detailed request, the bureau failed to conduct a proper reinvestigation within the 30-day period, and the disputed information remains on my report. This inaction has negatively affected my credit profile and financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: OH

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc.
State: NC

Complaint narrative:
I am disputing an inaccurate charge-off account that appears on my credit report from [ CarMax Auto Finance or the specific lender name listed ]. This account is reporting as a charge-off, but the information being reported is inaccurate and unverifiable. 

I previously contacted the company and requested documentation validating the debt, including the date of first delinquency, payment history, and full accounting records. The company did not provide any documentation to verify the accuracy of this account, as required under the Fair Credit Reporting Act ( FCRA ) 611 and 623.

The account is old and should no longer be reported based on its age, and the information listed ( balance, payment history, and status ) is inconsistent with my records. I am requesting that this account be deleted or corrected immediately to ensure accurate credit reporting.

Please investigate this matter and require the company to provide proof of the accounts accuracy, or remove it from all credit bureau reports if they can not verify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: TN

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Designed Receivable Solutions, Inc.
State: AZ

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX XXXX is trying to collect bill from me. I had a severe XXXX XXXX XXXX XXXX in my XXXX. I was admitted to XXXX XXXX emergency room. I spent XXXX  days in hospital treated with XXXX. Then sent home to administer for XXXX weeks through a XXXX XXXX  XXXX was out of network on by insurance XXXX. Bill should have been written off since it was an emergency and fell under the No surprise billing act. My date of admittance to XXXX XXXX on XXXX XXXX was XX/XX/XXXX through XX/XX/XXXX. 

The Bill is dated XX/XX/2025. for the amount of XXXX My account number with XXXX is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc.
State: FL

Complaint narrative:
Hello. I have been trying to better my credit by paying off my debt. XXXX debt is from Procollect that an XXXX hired to collect payments from me. My first experience with them was a bit abrasive. I wanted to make small payments as I don't have a lot of money and they proceeded to tell me that I could only make XXXX payments of XXXX and there was no other option. I paid the first half as I felt like I didn't have a choice. I asked for a written agreement to be emailed and I also asked for a transaction verification code for the first payment. They told me I had no choice but to pay the second half on a certain day. I told them I didn't get paid until the evening time. I was called today by a representative, and proceeded to tell me that my payment was declined due to insufficient funds and I needed to correct it immediately because I am " breaking a contract '' with them by not having the funds at that specific time frame. I told her I didn't have it and she suggested that I needed to have the money right now. My hands are tied at the moment. She also told me that she could no longer take a debit card payment from me as my debit card had declined. I called back to file a complaint with a XXXX in the company and instead of sending me to a XXXX, they sent me to the same lady I spoke to earlier. She asked me why I was calling if I didn't have the funds to make a payment even though she told be earlier today that I wasn't able to make another debit card payment due to my card declining. I told her I was calling to complain about the customer service I had received. She told me she would give me an email to write down to reach out to with complaints and told me to let her know when I was ready for the information. She then proceeded to tell me the email address when I wasn't ready to write it down. I told her I wasn't ready and she was very upset so she put me on hold a few times. Her communication with me was very aggressive and rude. I do not feel comfortable with Procollect reaching out to me anymore.

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 2025-10-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc.
State: WA

Complaint narrative:
I received a collection notice from Southern Management Systems Inc saying I owe {$2700.00} for XXXX XXXX with unit number XXXX. XXXX notice reference # is XXXX. The notice says that I owe {$2700.00} between " XX/XX/year> - XX/XX/year> '', I called XXXX XXXX and confirmed that I owe nothing for unit # XXXX and they sent me documentation to confirm that as well. I am the XXXX for XXXX XXXX and the apartment # is XXXX. 

I need this collection agency to remove my name/information for this collection ( XXXX XXXX XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: PLANET HOME LENDING, LLC
State: PA

Complaint narrative:
I attempted to make a partial payment on my past due loan with Planet Home Lending ( due XX/XX/XXXX ) in the amount of {$300.00} on XX/XX/year> at approximately XXXX XXXX and the customer service representative XXXX advised she could not process my payment with out a formal commitment of when I would be making the remainder of the XXXX Payment. I advised that I would try to make the payment remainder on the XXXX she said she needed to commit to a payment date in order to process my payment. I agreed to pay it on the XXXX. She stated because at that point the XXXX payment would be due she would not process my payment without a commitment for the XXXX payment. I advised that I would try to make that payment on the XXXX she said because I couldnt provide a firm commitment she would not process my payment. I feel this is a violation of fair collections as well as a violation of fair reporting. I am attempting to keep up on the loan and have simply fallen on hard times. I have XXXX kids and work full times it should not be this difficult to pay them what I have. Ive never been told I can not pay my loan. This can cause desperate impact on families who also experience this same issue. Because other expenses present in the mean time leaving them no choice but to use the money that couldve been paid towards the mortgage. Its absolutely ridiculous that they also continue to call and send letters over said payment but when prompted to take some of the payment they refuse. Youre impacting families that can barely stay above water as it is. I work for a financial institution and would never treat my clients this way. And we as an institution would never deny payments on a loan were actively trying to collect on. I made XXXX rug effort to say I would attempt to make the necessary payments to correct my loan. She failed to properly document the conversation and failed to process the payment therefore negatively impacting my credit score as well as accruing me additional interest by not processing the payment in a timely fashion. I will continue to escalate this issue until a fair resolution is reached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: AL

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-10-31 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: EQUIFAX, INC.
State: TN

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation