vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: KY

Complaint narrative:
I sent my mother XXXX XXXX on cashapp 15 days ago and it says its pending. She cant access the money and I cant get it back. Customer service is extremely unhelpful. As far as Im concerned the money has been stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX GA XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$2900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: IL

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This CFPB complaint h

as been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7000.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} INQUIRIES : XXXX  Date : XX/XX/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 2025-06-14 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: NJ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ), specifically * * 15 U.S. Code 1681i * *, I have the right to dispute information that is incomplete or inaccurate. Additionally, under * * 15 U.S. Code 1681s-2 * *, furnishers of information ( i.e., the data provider ) must ensure the accuracy and integrity of the data they report.

Here are several documented inconsistencies that violate these FCRA provisions : Detected
Inconsistencies in XXXX XXXX Account Reporting ( Account # : XXXX XXXX XXXX XXXX XXXX ) : XXXX. Inconsistent High Credit Reporting : - TransUnion and Experian report a High Credit of {$38000.00} - Equifax reports only {$24000.00} - a {$14000.00} difference without explanation. 
2. Payment History vs. Charge-Off Reporting : - TransUnion shows account as " OK '' up until XX/XX/XXXX, but suddenly marks " CO '' ( Charge-Off ) in XX/XX/XXXX. 
- Equifax also marks everything as " OK '' through XX/XX/XXXX, yet claims charge-off dated XX/XX/XXXX. 
-

These " OK '' statuses conflict with reported charge-off and past due amounts. 3. Past Due & Charge-Off Discrepancies : - Past Due Balance reported as {$21000.00} ( TU ) and {$23000.00} ( Experian & Equifax ) .

- No clear explanation why TransUnion shows lower balance despite same charge-off status and dates.

4. Comments and Status Conflicts : - Conflicting reasons for charge-off and repossession, especially between TU 's `` Profit and Loss Write-Off '' and Experian 's " Merchandise taken back by credit grantor. '' These inconsistencies raise serious concerns about the accuracy and reliability of the data being reported to the credit bureaus. The conflicting payment histories and charge-off designations across TransUnion, Experian, and Equifax make it impossible for me to determine the true status of this account.

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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ), specifically * * 15 U.S. Code 1681i * *, I have the right to dispute information that is incomplete or inaccurate. Additionally, under * * 15 U.S. Code 1681s-2 * *, furnishers of information ( i.e., the data provider ) must ensure the accuracy and integrity of the data they report.

Here are several documented inconsistencies that violate these FCRA provisions : Detected
Inconsistencies in XXXX XXXX Account Reporting ( Account # : XXXX XXXX XXXX XXXX XXXX ) : XXXX. Inconsistent High Credit Reporting : - TransUnion and Experian report a High Credit of {$38000.00} - Equifax reports only {$24000.00} - a {$14000.00} difference without explanation. 
2. Payment History vs. Charge-Off Reporting : - TransUnion shows account as " OK '' up until XX/XX/XXXX, but suddenly marks " CO '' ( Charge-Off ) in XX/XX/XXXX. 
- Equifax also marks everything as " OK '' through XX/XX/XXXX, yet claims charge-off dated XX/XX/XXXX. 
-

These " OK '' statuses conflict with reported charge-off and past due amounts. 3. Past Due & Charge-Off Discrepancies : - Past Due Balance reported as {$21000.00} ( TU ) and {$23000.00} ( Experian & Equifax ) .

- No clear explanation why TransUnion shows lower balance despite same charge-off status and dates.

4. Comments and Status Conflicts : - Conflicting reasons for charge-off and repossession, especially between TU 's `` Profit and Loss Write-Off '' and Experian 's " Merchandise taken back by credit grantor. '' These inconsistencies raise serious concerns about the accuracy and reliability of the data being reported to the credit bureaus. The conflicting payment histories and charge-off designations across TransUnion, Experian, and Equifax make it impossible for me to determine the true status of this account.

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 2025-06-14 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Equifax Re : Willful Non-Compliance Demand for Immediate and Permanent DELETION of Unverified and Inaccurate Derogatory DataTo whom it may concern, You are knowingly and unlawfully continuing to report inaccurate, unverified, and derogatory information on my credit file. This is a direct violation of multiple federal laws, including : * FCRA 609 ( 15 USC 1681g ) You have failed to provide full disclosure and proper verification of the accounts in question. Where is the original source documentation bearing my wet signature?

* FCRA 605 ( 15 USC 1681c ) You are reporting obsolete and outdated negative data that legally should no longer appear on my report.

* FCRA 1681e ( b ) You are not ensuring maximum accuracy of the information you report.

* FCRA 1681i You failed to complete a proper reinvestigation when previously challenged.

* Metro 2 Compliance Guidelines The reported data does not meet mandatory reporting accuracy and formatting standards.

Additionally, my personal information was compromised in the Equifax and XXXX XXXX XXXX XXXX, which legally invalidates any unverifiable or third-party data you continue to circulate without lawful documentation.XXXX XXXX # XXXX {$3400.00} opened XXXX. This fraudulent account was added because my information was exposed in your data breach and violated my rights u are required to permanently delete this item from my credit report.

You are in willful non-compliance. If you can not verify these derogatory items with complete and original source documentation, you are legally required to PERMANENTLY DELETE them. No partial redactions, no re-insertions, no stall tacticsDELETE them now.

You are now on formal notice. Failure to comply will result in legal escalation and complaints to the CFPB, FTC, and State Attorney Generals office. 
Respectfully, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am formally disputing inaccuracies reported by XXXX on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i. I respectfully request the removal of this account from all three credit bureaus due to inconsistent and incorrect reporting, which violates my rights as a consumer.

The following discrepancies were found in the account : 1. * * Equifax * * lists the account as charged off but also shows a last payment made on XX/XX/XXXX, with no update to status. This inconsistency violates accurate reporting requirements.

2. * * TransUnion * * reports multiple months as " CO '' ( Charge Off ), yet also lists the account as still having an outstanding balance and updates as recently as XX/XX/XXXX, which is misleading.

3. * * Experian * * shows late payment codes of 60, 90, 120, and 180 days throughout XXXX, yet also reports a payment on XX/XX/XXXX. If the account is charged off, it should not reflect post-charge-off payments without clearly updating account status.

According to 15 U.S.C. 1681i, the credit reporting agencies must reinvestigate any disputed information and delete inaccurate, unverifiable, or outdated data. Additionally, continued reporting of inconsistent or false information may be a violation of the Fair Credit Billing Act ( 15 U.S.C. 1666 ). 
I am requesting the removal of this XXXX account from all three credit bureaus due to the conflicting information which may adversely affect my creditworthiness.

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 2025-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Dear Sir/Madam, I am writing to express my serious concern and disappointment regarding the abrupt closures of two credit card accounts that I opened in good faith with Chase Bank . 

On XX/XX/year>, I was approved for the Chase Freedom Unlimited credit card ( Account ending in XXXX ). The approval was based on a legitimate application made by me personally, and shortly after receiving confirmation, I attempted to arrange payment on a valid transaction associated with the account. However, to my surprise, the account was suddenly closed, even though the activity was authorized and I was acting responsibly.

Subsequently, on XX/XX/year>, I applied for the Chase XXXX XXXX XXXX credit card ( Account ending in XXXX ). This application was also submitted directly by me with full intent to use the card responsibly. While awaiting the physical card, I was informed that my application was placed under review, and shortly thereafter, the account was closed without any notice or opportunity for me to activate or use the card.

These actions have been deeply disappointing. Both applications were made with full transparency and proper identification. I acted in good faith and had no intention to misrepresent any aspect of the application process. At no point was I made aware of any deficiency or issue requiring correction. To have both accounts closed without further clarification or fair opportunity to respond is troubling.

I respectfully request that this matter be reviewed and investigated. I am seeking reinstatement of the accounts or, at minimum, a clear explanation for the closures. If the closures were based on credit disputes or identity verification concerns, I am prepared to provide supporting documentation to confirm the legitimacy of my applications.

I also request that the Consumer Financial Protection Bureau take note of this matter, as I believe it reflects unfair treatment of a consumer acting in good faith.

Thank you for your attention to this matter. I hope for a fair and timely resolution. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: FL

Complaint narrative:
I am disputing multiple hard inquiries made by XXXX XXXX XXXX XXXX XXXX that appear on my Equifax credit report. I only submitted one application, yet multiple inquiries were recorded on XX/XX/year>. I have contacted the creditor multiple times requesting removal of the duplicate inquiry, but they have failed to respond or resolve the issue. I am now requesting CFPB assistance to have the duplicate inquiry removed from my credit report as it is inaccurate and negatively affects my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Lending Services LLC
State: TX

Complaint narrative:
While I understand Texas law may not require GLS to provide a signed bill of sale directly, it does require them to prove the vehicle was sold in a commercially reasonable manner. To date, they have failed to provide any meaningful evidence to support that claim. I am requesting this account be removed due to failure to comply with Texas BCC 9.610.

GLS claims this was a private sale, but under Texas Business & Commerce Code 9.610, they are still required to conduct the sale in a commercially reasonable manner. Without providing documentation such as the bill of sale, condition report, and comparable values they can not prove the sale met that standard, and the deficiency should not be enforced or reported.

This is my third formal attempt through the CFPB to get Global Lending Services ( GLS ) to provide valid, legally sufficient documentation supporting the alleged {$4800.00} deficiency balance they are reporting on my credit report related to a repossessed XXXX  XXXX XXXX ( XXXX : XXXX ). 

I have repeatedly asked for : A signed bill of sale ( You can remove the buyer information ) Pre-sale photos or a vehicle condition report The mileage, mechanical condition, or any evidence that supports the {$800.00} sale value Proof that the sale was marketed properly and in compliance with Texas Business & Commerce Code 9.610 ( UCC Article 9 ) GLS continues to respond with generic letters and a single Auction Sale Proceeds Detail document, which admits the vehicle sold for only {$800.00} below their own auction floor of {$900.00}. The vehicle was in good condition and should have sold for significantly more.

GLS has failed three times to prove the sale was commercially reasonable, which is required by law when pursuing a deficiency balance. Without supporting documentation, they are not legally entitled to collect or report this debt. 

I need something like : Comparables or pricing guides ( like XXXX XXXX XXXX or auction listings ) Advertisements showing, they offered the vehicle to a broad market Signed bill of sale or proof of transfer Photos and condition report of the vehicle before sale Odometer reading or mileage, maintenance, or mechanical status

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: IL

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7000.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6100.00}

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 2025-06-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Property Receivables, Corp
State: VA

Complaint narrative:
I was previously a resident a XXXX XXXX  XXXX in XXXX, Texas and due to a accounting error, I have been reported to collection as owing just north of {$1800.00}. The collection agency, Property Receivables, has received from me the XXXX XXXX dated XX/XX/year> from the XXXX XXXX herself indicating a {$0.00} balance. The account was fully paid and closed on XX/XX/year>. They refuse to close my account even after being sent the resident ledger, stating it was not good enough after asking for it. The said if I fail to pay it will affect my credit. I do not owe any money to the property and they aren't going their part as a debt collection company and doing their due diligence and cancelation this accounting error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 XXXXXX/XX/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