vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am reporting inaccurate and unverifiable information appearing on my credit reports, specifically with the following accounts XXXX XXXX  Account number XXXX Account is listed as " Collection/Chargeoff '' with a status of " Derogatory '' across all three bureaus ( TransUnion, Experian, Equifax ) XXXX Despite having a {$0.00} balance, $ XXXX XXXXonthly payment, and {$0.00} past due, the account is still reported negatively. Date open of accounts remain inconsistent among Equifax, Trans Union and Experian. High credit balance remains inconsistent among Equifax, Trans Union and Experian. There is inconsistent reporting of credit limits and account details ( e.g., Equifax omits " Charge Account '' ). I previously disputed this information, but the investigation results lacked proof of validation ( no contract, billing history, or signed agreement provided ). This violates FCRA 1681i and 1681e ( b ), which require reasonable procedures to ensure maximum possible accuracy. 

XXXX account number XXXX * TransUnion reports XXXX account as XXXX and XXXX, while Experian shows it as XXXX with Unknown payment status. High credit is listed as {$0.00} across both bureaus, which is unlikely and inaccurate for a revolving account with a {$1200.00} credit limit. These inconsistencies call into question the integrity of the reinvestigation process after my prior dispute. These errors misrepresent my creditworthiness and are causing harm. The reporting agencies failed to correct or delete unverifiable and conflicting data, as required under FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: IN

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-07-10 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 am disputing an inaccurate credit reporting of my XXXX XXXX XXXX XXXX account. My report shows a {$15000.00} balance at statement close, but I actually made {$23000.00} in payments during that billing period, resulting in a credit balance of - {$84.00}. This error is severely affecting my credit score by falsely showing high utilization. XXXX XXXX confirmed they did not report the incorrect balance and advised me to dispute it. I have attached the correct statement and confirmation letter. I request this to be corrected immediately under FCRA 1681e ( b ) and 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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:
I am disputing an inaccurate credit reporting of my XXXX XXXX XXXX XXXX account. My report shows a {$15000.00} balance at statement close, but I actually made {$23000.00} in payments during that billing period, resulting in a credit balance of - {$84.00}. This error is severely affecting my credit score by falsely showing high utilization. XXXX XXXX confirmed they did not report the incorrect balance and advised me to dispute it. I have attached the correct statement and confirmation letter. I request this to be corrected immediately under FCRA 1681e ( b ) and 1681i.

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 2025-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
I had made a transaction and its been 21 days and {$590.00} is still pending when I reach out about why the transaction is still pending they give me the run around about my funds. I tried to dispute a transaction for {$1400.00} ( unauthorized for the date they took it out of my account ) that Im rightfully owed & they denied my dispute without a full complete investigation and without documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On the morning of XX/XX/2025, I woke up to find that my XXXX bill payment did not go through. I thought that was strange because I got paid the day before, and there should be money in the account. When I reviewed my account, I saw there were multiple XXXX XXXX transactions. On the evening of XX/XX/2025, these transactions were done on my account : {$2.00} ; {$4.00} ; {$2.00} ; {$88.00} ; {$180.00} ; {$830.00} ; {$790.00} ; {$690.00} ; {$830.00}. I also reviewed my text messages that morning and saw after all these transactions went through, Bank of America finally sent me text message at XXXXXXXX XXXX on XX/XX/2025 to ask me if I authorized the transaction of {$830.00}. I replied NO at XXXXXXXX XXXX on XX/XX/2025. My total loss is {$2500.00}! 

The XXXX XXXX recipient is noted as XXXX XXXX which is my name. I immediately called Bank of America and filed a claim. On XX/XX/2025, I checked my account and saw that Bank of America denied my claim. The reason stated in the denial letter was that " The charge was authorized by you or made by someone who has permission to use the card or account. '' That is absolutely false. I called XXXX XXXX  to ask what information they used to help them make this determination, and they said I had previous history with XXXX XXXX and the IP address used was previously used to access XXXX XXXX. I am not sure how that could even happen. I asked the representative for the IP address they were referring to and she refused to provide it. I asked that they send my all documents including the IP address. They said it would take about 6 days. I filed a police report and also contacted XXXX XXXX who advised me to send them whatever was provided by the bank. 

Based on what was shared by the representative, it doesn't appear as though XXXX XXXX did a thorough investigation. They did not even contact XXXX XXXX to connect use of my card to a XXXX XXXX account. Had they done that, they would have definitely discoverd that, 1. the user ID attached to that account is not the same as ones I previously used, 2. the account information including the banking information attached to that XXXX XXXX account is not in my name.

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 monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
This is a refiling of my previous complaint due to GM FINANCIAL 's failure to act on a formal dispute I submitted regarding a fraudulent, unverified, and inaccurate account being reported on my credit file. The account in question is listed under account number XXXX, opened on XX/XX/year>, with a reported balance of {$19000.00}. I have no knowledge of this account, never applied for or opened any credit with GM FINANCIAL, and did not authorize any related transaction. Based on the circumstances, I believe the account is either the result of identity theft or is being erroneously reported.

To address this, I submitted formal disputes to both GM FINANCIAL and the major credit reporting agencies. My dispute included the necessary supporting documents under the Fair Credit Reporting Act ( FCRA ) : An FTC Identity Theft Report A copy of my government-issued photo ID Proof of my current address Despite providing this complete documentation, the account continues to be reported in violation of federal law. This ongoing reporting violates multiple sections of the FCRA, including : FCRA 605B ( a ) : Requires deletion of identity-theft-related accounts within 4 business days of receiving proper documentation FCRA 623 ( a ) ( 1 ) ( A ) : Prohibits the reporting of information that is knownor should be knownto be inaccurate FCRA 623 ( b ) ( 1 ) : Requires furnishers to investigate and correct or delete disputed data within 30 days Additionally, GM FINANCIAL failed to follow Metro 2 Data Reporting Guidelines, including failure to properly flag the account with XB during the dispute process or delete it using code DA if unverifiable. The continued reporting of this account is materially damaging my credit profile and violates my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
I attempted multiple times to settle a XXXX XXXX debt before wage garnishment began. Despite email and phone follow-ups, their law firm ( Aldridge Pite Haan LLP ) delayed responses and allowed garnishment to go through. I offered a lump sum of {$950.00} before and after the first garnishment ( {$360.00} ), and they have now refused to negotiate or reduce the balance.

This has caused financial hardship, and Im requesting assistance to hold the collector accountable for unreasonable practices and seek relief through the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: FL

Complaint narrative:
I had autopay setup with Selene Finance and once autopay failed ONCE, they cancelled autopay and doubled my interest rate. 

I was unable to login to my accounts, and they sent notices to the wrong mailing address. 

Selene Finance also refused to allow me to pay within their portal, and I could not find my loans within the portal ( see attached document of discourse back in XXXX of 2024 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

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 Services, 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 XXXX XXXX, NY XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$310.00} XXXX XXXX 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 : {$560.00} INQUIRIES : XXXX 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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

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

1681c-2 ) that you, the Equifax Information Services , 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 XXXX XXXX, NY XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$310.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I was told by two Sergeants XXXX XXXX and XXXX XXXX I would need to meet a necessary amount which was XXXX to meet the requirements necessary to process my case as a civilian proceeding instead of a criminal proceeding for citations XXXX and XXXX for not appearing for jury duty on XX/XX/XXXX. I was also told I was under a gag and suppression order that meant any communications pertaining to me would be monitored and they would use the fullest extent of the law to maintain security of the case. I was told I need to use FDIC approved banking platforms such as XXXX, XXXX, XXXX, and Cashapp. 

After multiple attempts of failure to transfer funds and multiple confessions that I didn't have anything, I eventually was able to find one method which seemed to receive the funds no problem, which was Cash App via this person. The note for the transactions also has both citation numbers to indicate that they were telling me to put this as the note for both payments. Both transactions were made on XX/XX/XXXX. They even tried to say I need to send an additional XXXX for a processing fee in addition to the current amount to expedite the case after failing to meet the requirement and appearing in court at XXXX XXXX today. I realized it was a scam after them mentioning the processing fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Mid-Atlantic Finance Co., Inc.
State: FL

Complaint narrative:
Mid-Atlantic Finance Company refused to assist to the debt validation letter and has repossessed the car I had I called them and they gave me numbers that doesn't match on my account. They told me that I was XXXX dollars behind but my account shows me that I'm XXXX behind I I've been dealing with them ripping me off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: TX

Complaint narrative:
b"I previously filed a formal complaint with the Federal Trade Commission (FTC) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX XXXX XXXX XXXXnComplaint Description:\nMy credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me.\nDue to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC.\nDetails of Disputed Inquiries:\XXXXnEquifax\n\XXXXnEquifax\n\nXXXX XXXX\nEquifax\n\XXXX XXXX XXXXnEquifax\XXXX XXXX XXXXFair Credit Reporting Act, FCRA):\n\tPermissible Purposes: Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.\n\tHandling of Unverifiable Information: According to Section 611, any inquiry that cannot be verified must be removed.\n\tRight of Verification: Section 609 grants me the right to verify each inquiry with an original signed contract.\n\tInformation Provider Responsibility: Section 623 requires that reported data is accurate and authorized.\n\tProtection Against Identity Theft: Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.\nAdditional XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reinforce that inquiries must meet the FCRA's permissible purposes requirements."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing a formal complaint against XXXX for furnishing inaccurate and damaging information to the credit bureaus and failing to conduct a reasonable investigation after I repeatedly notified them of a billing error related to a terminated XXXX XXXX account. 

In XX/XX/year>, I switched my mobile phone service from XXXX to XXXX XXXX. I informed XXXX, in writing, that any payment installment scheduled for XXXX should be reversed or canceled because XXXX had breached their contract and I had terminated my account. Despite this, XXXX proceeded with submitting a payment to XXXX, resulting in funds being applied to a closed account or potentially rejected. 

I informed XXXX multiple times that I could no longer access my XXXX account due to my service being canceled. Despite this, XXXX refused to contact XXXX to confirm the account status or retrieve the funds. I provided documentation showing my XXXX XXXX service began in XX/XX/year>, and I also shared an email from XXXX confirming that a payment investigation had been opened. XXXX failed to take any corrective action and instead continued to hold me liable, reporting a delinquent tradeline to the credit bureaus. 

This conduct violates the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : XXXX reported information it had reason to believe was inaccurate. 

15 U.S.C. 1681s-2 ( b ) : XXXX failed to conduct a reasonable investigation after receiving multiple written disputes from me, and failed to correct the account.

Furthermore, despite receiving formal dispute communications, XXXX reported the account as lateviolating the requirement to mark an account as disputed under the FCRA and, potentially, the Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692e ( 8 ) : XXXX continued to communicate credit information it knew or should have known was disputed without properly flagging the dispute to credit reporting agencies. 

Additionally, I received conflicting information from XXXX. I was sent emails listing XXXX different balances for the same XXXX installment agreement, yet my credit report only reflects XXXX balance of {$340.00}. This inconsistency creates confusion and further illustrates the companys poor recordkeeping and negligence. 

Importantly, all other tradelines I had with XXXX were paid in full and in good standing. Yet, they retained {$100.00} from my initial down payment and are attempting to collect and report a disputed amountdespite my ongoing good faith efforts to resolve the issue and my valid dispute of the underlying debt. 

I have exhausted all reasonable avenues to resolve this matter directly with XXXX, and their continued refusal to investigate or take corrective action has caused material harm to my credit profile.

Company response to consumer: Closed with non-monetary relief