vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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:
I am submitting this complaint regarding inaccurate, inconsistent, and incomplete credit reporting by Experian, Equifax, and TransUnion involving XXXX accounts that are being reported with conflicting data across bureaus despite federal requirements for accuracy, verification, and uniform reporting. Specifically, the XXXX  XXXX account ending in XXXX with a balance of {$450.00} is reported differently by each bureau : Experian lists a Date of Last Activity of XX/XX/year> with XXXX, XXXX, and XXXX late payments and a Date Reported of XX/XX/year> ; Equifax reports XXXX same account with a different Date of Last Activity of XX/XX/year>, a Date Reported of XX/XX/year>, and only XXXX and XXXX late payments ; while TransUnion reflects yet another version, showing a Date of Last Activity of XX/XX/year>, a Date Reported of XX/XX/year>, and again XXXX, XXXX, and XXXX late payments. These conflicting timelines and delinquency statuses for the same account create an inaccurate and misleading credit profile that does not comply with the Fair Credit Reporting Act. Additionally, the XXXX account ending in XXXX with a balance of {$440.00} is reported on Equifax with a Date of Last Activity of XX/XX/year>, a Date Reported of XX/XX/year>, and a XXXX late payment, yet this same account is not reported at all on my Experian or TransUnion credit files, resulting in incomplete and selective reporting. As a consumer, I have the right to a credit report that is accurate, complete, and consistently reported across all bureaus, and these discrepancies indicate failures in investigation, verification, and updating obligations under FCRA 611 ( 15 U.S.C. 1681i ), FCRA 623 ( a ) ( 2 ), and FCRA 623 ( b ), as well as violations of 15 U.S.C. 1666 and 1666a related to billing error resolution and creditor conduct during disputes. The continued presence of conflicting information despite my efforts to monitor and address these inaccuracies has caused harm by misrepresenting my payment history and account activity to potential lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate, inconsistent, and incomplete credit reporting by Experian, Equifax, and TransUnion involving XXXX accounts that are being reported with conflicting data across bureaus despite federal requirements for accuracy, verification, and uniform reporting. Specifically, the XXXX  XXXX account ending in XXXX with a balance of {$450.00} is reported differently by each bureau : Experian lists a Date of Last Activity of XX/XX/year> with XXXX, XXXX, and XXXX late payments and a Date Reported of XX/XX/year> ; Equifax reports XXXX same account with a different Date of Last Activity of XX/XX/year>, a Date Reported of XX/XX/year>, and only XXXX and XXXX late payments ; while TransUnion reflects yet another version, showing a Date of Last Activity of XX/XX/year>, a Date Reported of XX/XX/year>, and again XXXX, XXXX, and XXXX late payments. These conflicting timelines and delinquency statuses for the same account create an inaccurate and misleading credit profile that does not comply with the Fair Credit Reporting Act. Additionally, the XXXX account ending in XXXX with a balance of {$440.00} is reported on Equifax with a Date of Last Activity of XX/XX/year>, a Date Reported of XX/XX/year>, and a XXXX late payment, yet this same account is not reported at all on my Experian or TransUnion credit files, resulting in incomplete and selective reporting. As a consumer, I have the right to a credit report that is accurate, complete, and consistently reported across all bureaus, and these discrepancies indicate failures in investigation, verification, and updating obligations under FCRA 611 ( 15 U.S.C. 1681i ), FCRA 623 ( a ) ( 2 ), and FCRA 623 ( b ), as well as violations of 15 U.S.C. 1666 and 1666a related to billing error resolution and creditor conduct during disputes. The continued presence of conflicting information despite my efforts to monitor and address these inaccuracies has caused harm by misrepresenting my payment history and account activity to potential lenders.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: NY

Complaint narrative:
In XXXX, XXXX closed my XXXX XXXX  account with a reported balance of {$5400.00}. This account was later sold to Jefferson Capital Systems, a third-party debt buyer. Despite the sale, XXXX continues to report the charged-off balance to the credit bureaus, which is in direct violation of FCRA ( Fair Credit Reporting Act ) guidelines, which state that once an account is sold, the original creditor must update the balance to {$0.00} and indicate the account was sold or transferred. 

As of today, both XXXX and XXXX XXXX are reporting the same debt on my credit file, which creates a double jeopardy situationmisleading lenders and artificially inflating my debt-to-income ratio. This is not only factually incorrect, but extremely damaging to my credit profile and ability to secure new lines of credit. 

I have also disputed this directly with the credit bureaus, yet the account remains inaccurately reported. This is why I am escalating to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/year>, JPMorgan Chase without my authorization or notice converted my checking account into an individual 'Total Checking ' account. A Chase representative confirmed this change and admitted it should not have occurred without my signed consent or notice, which I never provided nor was I notified.

This unauthorized change to my account 's legal ownership directly resulted in unexpected monthly service fees. Because I was not notified, these fees caused an overdraft and negative balance, forcing me to seek emergency financial help from family to correct Chase 's mistake. This error has caused significant stress, financial disruption, and loss of time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing this formal complaint against Block, Inc. ( operating as Cash App ) for unfairly blocking my Cash App account, freezing my funds without explanation or resolution, and providing inadequate customer support, in violation of the Consumer Financial Protection Act ( CFPA ) and the Electronic Fund Transfer Act ( EFTA ) /Regulation E. 

Account Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Registered Email : XXXX * Registered Phone Number : XXXX * Approximate Date Account Was Blocked : XXXX XXXX  * Current Frozen Balance : Approximately {$45.00} * Description of the Issue : My Cash App account was suddenly blocked approximately [ 3+ months ] ago, with no specific reason provided beyond vague references to " suspicious activity '' or review. Since then : * I have been unable to withdraw any funds, transfer money, or use my custom metal Cash Card ( for which I paid a {$50.00} non-refundable fee ). 
* All attempts to cash out funds fail due to the block. 
* Customer support responses ( via in-app chat and email ) have been limited to generic statements like " please wait '' or " under review, '' with no timeline, explanation, or progress updates despite multiple follow-ups over [ 3 months ]. 
* I have not received any notification of account closure, appeal outcome, or resolution, leaving my funds inaccessible and causing significant financial hardship. 
This prolonged account lock and lack of timely investigation or resolution appear to match the practices addressed in the CFPB 's XX/XX/year> Consent Order against Block , Inc. ( Docket No. 2025-CFPB-0001 ), which requires Block to provide up to {$120.00} XXXX in redress to harmed consumers, including those whose " accounts were locked for an extended period of time '' or who experienced delayed investigations. My situation involves an extended lock without proper customer service or dispute resolution, as highlighted in the order.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: FL

Complaint narrative:
I routinely review my credit report because my credit score is important to me, and I continue to find multiple accounts being reported inaccurately and falsely. This has been an ongoing issue that has not been corrected despite repeated attempts to have it addressed. The persistence of these errors has been exhausting, highly stressful, and has unfairly impacted both my daily life and my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.
State: GA

Complaint narrative:
Dear Sir or Madam, I am submitting this complaint against CarMax Auto Finance regarding its continued reporting and assertion of an incorrect balance of approximately {$9000.00} on an auto loan that should have been satisfied through insurance and GAP coverage, not XXXX. 
Background The vehicle financed through CarMax Auto Finance was totaled in XX/XX/year>. 
The vehicle was covered by comprehensive insurance and XXXX insurance at the time of the loss. 
The primary insurance carrier paid a significant portion of the loan balance, and the XXXX policy should have covered the remaining amount. 
Despite this, CarMax Auto Finance continues to assert that a balance remains owed. 
Improper Handling and Inaccurate Explanation Since XX/XX/year>, I have contacted CarMax Auto Finance on several occasions requesting : A full explanation of how the alleged balance was calculated Proof that insurance and XXXX  were properly applied Documentation supporting any remaining amount allegedly owed Instead of addressing these requests, CarMax Auto Finance consistently responds that the balance is covered through XXXX. This explanation is incorrect, misleading, and irrelevant to the issue at hand. 
This matter is not a XXXX  issue. XXXX  does not create or validate a debt. The balance should not exist because the loan obligation should have been satisfied through insurance proceeds and XXXX coverage following a total loss. 
Harm to Co-Signer This inaccurate balance also potentially harms my mothers credit, as she was a co-signer on the loan. CarMax Auto Finances failure to correct this matter exposes her to : Incorrect credit reporting Improper collection or account status implications Financial harm for an obligation that should have been resolved through insurance Prior Attempts to Resolve I also filed a complaint with the Better Business Bureau, and CarMax Auto Finances response again failed to address the insurance and XXXX  issue, continuing to incorrectly rely on XXXX  rather than explaining or correcting the balance. 
Requested Resolution I respectfully request that the CFPB require CarMax Auto Finance to : Conduct a thorough and good-faith investigation of this account Properly apply insurance and XXXX  payments to the loan Provide written documentation explaining how any balance was calculated Correct or eliminate the alleged balance if improperly assessed Correct all credit reporting for both myself and the co-signer Cease any further collection or reporting related to this invalid balance Thank you for your attention to this matter. I am seeking CFPB assistance because CarMax Auto Finance has failed to properly address or resolve this issue despite repeated efforts on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
On XXXX Portfolio Recovery filed a lawsuit against me for a credit card debt that they had purchased. On XXXX they sent a summons to appear. On XXXX that summons was returned because all the communications were purposefully sent to a XXXX address in order for them to obtain a quick default judgment which led to me being garnished this year. The debt that Portfolio obtained has my correct and current address attached to it and Portfolio Recovery opted to use an outdated address causing me great financial hardship and emotional distress being garnished weekly at the rate of 25 %. Even after being garnished in full for the amount of {$2700.00}, Portfolio Recovery refused to properly update my credit report to paid in full and even added the remark of settled for less than agreed. They only completely deleted all negative information when they received notice that I filed a federal lawsuit in the Ohio XXXX XXXX XXXX. I have all the documents to prove everything stated in my above claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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 was looking to buy a car and pulled my credit report and realized all the inaccurate and negative reporting across XXXX separate agencies that I never consented to share my information or obtain it. According to 15 USC 1681, I am not to have damaging information on my report and it is a defamation of my character.

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 2025-12-16 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 was looking to buy a car and pulled my credit report and realized all the inaccurate and negative reporting across XXXX separate agencies that I never consented to share my information or obtain it. According to 15 USC 1681, I am not to have damaging information on my report and it is a defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-16 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: NY

Complaint narrative:
I am submitting this complaint regarding Equifax for their continued reporting of multiple inaccurate, unverified, and disputed credit accounts despite receiving repeated written disputes and verification demands. Beginning on XX/XX/year>, I formally disputed numerous accounts reported by XXXX XXXX XXXX, and XXXX XXXX, challenging the accuracy, ownership, and completeness of the information being published under my name. These disputes specifically requested lawful and substantive verification, including proof of accuracy, investigation results, and confirmation from the furnishers as required under the Fair Credit Reporting Act ( FCRA ). 

Despite receiving my initial dispute and subsequent follow-up notices dated XX/XX/year> and XX/XX/year>, Equifax failed to provide any substantive verification. Instead, they either issued boilerplate responses or continued reporting the disputed accounts without evidence that a reasonable reinvestigation occurred. At no point did the bureau supply documentation demonstrating that the furnishers verified the information, nor did they provide proof of contracts, complete payment histories, or confirmation of lawful ownership of the alleged debts. Continued reporting under these circumstances violates 15 U.S.C. 1681e ( b ) and 1681i ( a ), which require consumer reporting agencies to ensure maximum possible accuracy and to conduct reasonable reinvestigations of disputed information. 

Additionally, Equifax continued to publish these accounts even after being notified that verification had failed, which constitutes negligent and willful noncompliance under the FCRA. Several accounts display inconsistent balances, contradictory payment histories, duplicate reporting, and charge-off statuses that do not align across bureaus. Some accounts are reported as both closed and actively delinquent, while others reflect payment histories that can not logically coexist with the reported charge-off dates. These inconsistencies alone demonstrate a failure to maintain reasonable procedures and further prove that no meaningful investigation occurred. 

By continuing to publish this information after repeated notice, Equifax is causing ongoing harm to my credit profile, financial opportunities, and consumer rights. Their refusal to correct or delete unverifiable data represents bad-faith compliance and a disregard for their statutory obligations. I have fully cooperated with the dispute process and provided the bureaus multiple opportunities to verify the information properly, yet they have chosen continued publication instead of correction. 

XXXX XXXX XXXXXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: TX

Complaint narrative:
I am a victim of identity theft and unauthorized activity related to a data breach. 
Pursuant to the Fair Credit Reporting Act 15 U.S. Code 1681c-2 ( Section 605B ), I request that you immediately block and delete the fraudulent account in my name. I also request that you cease any reporting of these accounts to credit bureaus Equifax, XXXX and XXXX. To support this request, I have included the following documents : XXXX. A copy of my government-issued ID. XXXX. An Identity Theft Report from the FTC. XXXX. Proof of address Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX  XXXX Account Number : XXXX, Account Number : XXXX XXXX Solutions Account Number : XXXX, Account Number : XXXX XXXX XXXX Account Number : XXXX Please confirm the account name, account number has been blocked and deleted within XXXX ( XXXX ) business days, as fraudulent activity violates my rights under FCRA Section 605B. If additional information is required, contact me promptly. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: WA

Complaint narrative:
I am not associated with the creditors listed and did not authorize this inquiry. Please remove it from my credit report immediately

Company response to consumer: Closed with explanation