vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am NOT claiming identity theft. 
I am disputing the accuracy and verifiability of the following accounts : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts reported materially inconsistent data across credit bureaus. XXXX  has already deleted the accounts, confirming they were unverifiable, yet TransUnion and Experian continue reporting them.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the consumer reporting agencies failed to conduct a reasonable reinvestigation.

Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i ( a ) ( 6 ) ( B ) ( iii ), I demand full disclosure of the information used to verify these accounts.

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 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
On XX/XX/2025 I was checking my XXXX  email and got an email about a job offer with XXXX. I thought it was real. I thought It was a charity. They had me send money through XXXX  with fake checks, now im out of {$2500.00} that i can not pay back. My account was locked on XX/XX/2025. The checks were instantly deposited into my account via mobile banking. I called my bank and they weren't very helpful. They just told me when ny account will be shut down and how much i owe. I made it clear several times that I was victim of a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: VA

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 ONE 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 2025-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: GA

Complaint narrative:
Company : Cash App ( Block, Inc. ) Account Tag : XXXX XXXX Primary Contact Referenced by Cash App : XXXX XXXX Cash App permanently deactivated my account and refuses to explain why. Their notice only said I violated the Terms of Service, but they have refused to identify what policy was violated, which transactions were involved, or any evidence supporting the decision. 
Because of this, I can not meaningfully review or dispute the decision. I requested disclosure and reconsideration and issued a preservation notice, but Cash App still has not provided any explanation or documentation. They continue giving form responses that do not address my requests. 
Cash Apps actions appear to violate fair-treatment standards and may constitute unfair, deceptive, or abusive acts or practices ( UDAAP ). Their refusal to provide information also raises concerns under Regulation E, which governs electronic fund transfers and consumer protections regarding account restrictions and access to funds. 
I requested the following from Cash App and received none of it : The specific Terms of Service provisions they claim I violated ; The dates and descriptions of any transactions they relied on ; Supporting documentation ( review notes, flags, or reports ) ; A full copy of my account history and compliance review file ; Written confirmation that all remaining funds, XXXX, or securities are freely transferable. 
Cash Apps lack of transparency prevents me from defending myself or correcting any alleged issue. It also creates risk that the account decision was automated, erroneous, discriminatory, or improperly reviewed, without human oversight. 
I am requesting that the CFPB review this matter and require Cash App to : Provide a clear written explanation of the reason for account closure, including evidence relied upon ; Provide copies of all account records and review documents ; Confirm that all funds and assets are fully accessible/transferable ; Correct any wrongful closure and reinstate the account if the decision can not be justified. 
Consumers deserve notice that actually explains what happened. Cash App should not be allowed to permanently close accounts while refusing to provide basic facts. 
Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed the XXXX XXXX  account on my credit report. The credit reporting agency marked the account as verified. 
I am formally challenging the verification process and requesting compliance with 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which requires the credit reporting agency to disclose the Method of Verification used to verify disputed information.

I submitted a written Method of Verification request. To date, the agency has failed to provide a complete and detailed description of how the account was verified, including who was contacted, the method used, or whether any original documentation was reviewed.

Verification without a reasonable investigation violates the Fair Credit Reporting Act. I am requesting deletion of the unverifiable XXXX XXXX  account or full compliance with the statute.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint NOT because of identity theft but because EQUIFAX has failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA specifically 15 U.S.C. 1681i, regarding the investigation and resolution of disputed inaccuracies on my credit report. I discovered inaccurate and/or unverifiable information on my credit report, including the following accounts : Account Name : XXXX XXXXXXXX Account # XXXX Date Opened : XX/XX/2024 Account Name : XXXX XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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:
My credit report that I have an XXXX XXXX Account as of XX/XX/year>. I have been XXXX  since XX/XX/year>. This is not my 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 2025-12-26 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: CA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedure to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverified information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnished of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX Bank of 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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The late payment entries currently appearing on my credit report are inaccurate and do not accurately reflect my true payment history. I have submitted multiple requests for investigation and correction of these discrepancies ; however, no meaningful or corrective action has been taken. Despite providing all requested documentation and following up in good faith, these errors remain unresolved. 

The continued reporting of inaccurate information has caused substantial financial harm and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a consumer credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information that is inaccurate, misleading, or can not be verified. Your failure to address these inaccuracies after repeated notice constitutes a violation of my 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 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. 
I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. 
Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : XXXX. A breakdown of what this alleged balance is based on, including dates and itemized charges. 

XXXX. Documents showing where this obligation originated and how your company obtained it. 

XXXX. Any agreement, application, signature, contract, or document that links me to the account. 

XXXX. Proof your company is authorized and licensed to collect in my state, including registration details. 

XXXX. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 

XXXX. The identity and address of the original creditor, along with the original account details. 

XXXX. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. 

I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. 
Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. 
If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. 
Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. 
Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I tried to send my sister XXXX $ using cash app and she changed her account when she changed her number or e mail so no longer has access to that account. My money is just sitting in an account that is no longer active and Cash App refuses to give me my money back I have already disputed this two times and have been denied both times

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
In or around the time of sale and installation, I entered into a solar loan financed by GoodLeap after being misled by the solar seller. I was told I would receive a federal tax credit and that my electricity bill would be significantly reduced. Neither occurred. Since installation, my electric bills have remained between approximately {$300.00} {$400.00} per month, including during peak seasons. 

At the time of signing, the salesperson did not disclose that a XXXX  lien would be placed on the solar equipment or that the financing could affect the future sale of my home. I was also not informed about system limitations, battery requirements, battery costs, or the need for additional panels until after installation. 

After discovering these issues, I sent a fraud-based demand requesting release from the agreement. XXXX responded by stating the equipment was paid in full by the lender and that they would not take responsibility because the terms were in the contract. They did not address the misrepresentation or non-disclosure concerns. 

I then disputed the loan with GoodLeap. GoodLeap stated the matter was under investigation ; however, while the dispute is pending, GoodLeap continues to send settlement and payment offers. I can not afford additional payments, and I have not agreed to any settlement.

I have filed a complaint with the Texas Attorney General and am asserting my rights under the FTC Holder Rule. I am requesting cancellation of the loan, termination of the UCC lien, cessation of collection and settlement activity, and correction of any negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: OneMain Finance Corporation
State: CA

Complaint narrative:
This correspondence supplements my prior formal complaint regarding the administration of disputed transactions on my XXXX XXXX XXXXXXXX credit card issued by XXXX XXXX 

After submitting my earlier notice, I contacted your claims department to inquire about the internal status of my dispute. During that call, a customer service representative advised me that a team lead identified as XXXX had inserted internal notes stating that the disputed transaction concerned XXXX registration and that I did not have any contract with the merchant. Both statements are false. The transaction concerned registration of an XXXX and was a routine consumer purchase that did not require a signed contract, comparable to any everyday retail transaction. These statements materially mischaracterize the transaction and are reasonably capable of prejudicing adjudication of the claim. 

I immediately instructed the representative to correct the record. I dictated the clarification verbatim, the representative read it back to me aloud, and she confirmed that the corrected notes had been entered into the claim file. She further stated that she had lodged a separate internal complaint against XXXX that would be escalated to management. 

The following week, when I contacted the claims department again to confirm these actions, I was informed that no such corrective notes existed in the claim file and that no internal complaint against XXXX had been recorded or escalated. This discrepancy can not be reconciled absent the possibility that the prior representative misrepresented her actions or that the corrective notes and complaint were subsequently removed or suppressed. Given Garretts prior conduct and the false factual entries attributed to him, it is also a reasonable possibility that the corrective notes and complaint were intentionally deleted to prevent escalation or review. 

This pattern of misrepresentation, disappearance of dispute documentation, and false assurances that remedial action had been taken demonstrates that my claims are not being administered in a procedurally reliable or impartial manner. 

I therefore formally demand immediate preservation and production of the complete internal XXXX XXXX for my dispute file, including all notes, edits, deletions, timestamps, call recordings, and agent identifiers, along with a written explanation addressing how false factual statements were inserted, how corrective notes and complaints that were represented to me as recorded are now absent, confirmation that my dispute will be reassigned to supervisory personnel with decisional authority who have had no prior involvement in this matter, and written assurance that no adverse determination will be made on the basis of inaccurate or suppressed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I paid my Wells Fargo auto loan in full on XX/XX/year>, with a final payment of {$330.00}, prior to the loans stated maturity date of XX/XX/year>. After my final payment was posted, Wells Fargo continued reporting a remaining balance and delinquency to consumer reporting agencies. 
After my final payment in XXXX and XX/XX/year>, I contacted Wells Fargo Auto multiple times by phone to address the continued balance and delinquency reporting. On XX/XX/year>, I spoke with multiple Wells Fargo Auto case managers regarding the continued balance and delinquency reporting. During these telephone conversations, Wells Fargo representatives acknowledged that the remaining balance and late fees resulted from an internal servicing and payoff calculation error involving a {$0.00} short payoff and a resulting artificial {$1.00} principal balance. Representatives admitted this was an internal error, apologized for the issue, and confirmed that the balance did not represent a valid debt. 
Despite this acknowledgment, Wells Fargo furnished inaccurate balance and delinquency information to consumer reporting agencies for XXXX, XXXX, and XX/XX/year>. This inaccurate reporting caused a substantial drop in my credit score, totaling approximately XXXX points, and resulted in significant financial harm. 
Although Wells Fargo later indicated that the account was corrected internally, inaccurate delinquency and balance information continues to appear in my credit reports for the months following my final payment. Wells Fargo has not provided written confirmation that all prior inaccurate reporting has been corrected or deleted with the consumer reporting agencies. 
Correcting the account internally, without ensuring that all inaccurate information furnished to consumer reporting agencies is fully corrected or deleted, does not remedy the harm caused by the prior inaccurate reporting. Wells Fargo remains responsible for furnishing inaccurate credit information and for failing to promptly and completely correct that information once the servicing error was known.

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