vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-10 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: FL

Complaint narrative:
I sent a dispute letter to Equifax regarding inaccurate information about acct # XXXX XXXX  XXXX certified mail XXXX XXXX # XXXX Upon reviewing my payment history, I identified several incorrect 60-day late payments being reported. According to the payment history provided by the creditor, The account shows paid on time, then suddenly reports 60 days late the next month. the account shows as paid on time in XX/XX/XXXX and 60 days late in XX/XX/XXXX. Paid on time XX/XX/XXXX and 60 days late XX/XX/XXXX. 60 days late XX/XX/XXXX. 

XXXX consecutive 60 days late for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

This reporting is factually impossible. A 60-day late status requires two consecutive missed payment cycles, meaning the account would have had to show 30 days late the month before. However, your reporting shows the account as current the month prior, proving that the 60-day delinquency data is incorrect, unverifiable, and inaccurately furnished. 

Under the Fair Credit Reporting Act ( FCRA ), all information on a consumer report must be accurate, complete, and verifiable. The late payments listed above fail to meet these standards and must be corrected or deleted. 

Therefore, I request a full reinvestigation into these inaccurate late payment entries and the removal of all unverifiable derogatory data related to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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/year>

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 2025-12-10 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: TX

Complaint narrative:
Despite the fact that this account has been completely settled, it still reflects misleading late payment remarks on my credit report.

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 2025-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: IA

Complaint narrative:
I was on XXXX and saw a XXXX, we started talking and agreed on XXXX $ on cashapp after I sent the money he stop replying to my messages, and after he did that I went back on XXXX XXXX and saw the listing was taken down, also his account was no longer in use

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I sold my home as a VA assumption to another VA eligible buyer. We closed around XX/XX/XXXX With Freedom mortgage. 

In XX/XX/XXXX I tried to refinance my current home which is a conventional loan into a VA loan. I was told by XXXX XXXX that they could not proceed with the refinance due to Freedom mortgage not processing the VA loan assumption paperwork correctly and because they didn't do their part correctly my VA loan and eligibility is still tied in with that home. Now that buyer is currently using my VA eligibility, not their own due to Freedom mortgage lack of attention to correctly processing the VA loan assumption.

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 2025-12-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
On XX/XX/XXXX, I logged into my IRS account to check the status of my amended refund and saw a transaction code showing my refund was applied to a non-IRS debt. This was the FIRST time I learned anything about an offset. I immediately called the Treasury XXXX XXXX ( XXXX ), and the automated system informed me that my refund had been sent to the U.S. Department of Education ( DOE ). I received no advance notice whatsoever. 

My XXXX federal tax refund was taken on XX/XX/XXXX without the legally required XXXX Notice of Intent to XXXX. Under 31 U.S.C. 3716 ( a ), 31 C.F.R. 285.5, and 34 C.F.R. 30.22, DOE must send a current written notice BEFORE each offset year, giving borrowers updated debt information and the opportunity to dispute or request a hearing. 

Because I received no notice, I was denied all due-process rights. 

Later that same day ( XX/XX/XXXX ), I contacted DOEs Default Resolution Group. DOE staff admitted that the ONLY notice they claim to have issued was from XXXX. A notice from XXXX does NOT authorize a XXXX offset. Federal law requires new notice before EACH tax year an offset occurs. 

DOE representatives gave incorrect and misleading information : One said, Theres nothing you can do now. 
Another said, A notice from XXXX still goes into effect. 
A supervisor ( XXXX, XXXX XXXX XXXX ) incorrectly said refunds cant be returned unless facing eviction or foreclosure. 
The supervisor also said HIPAA prevents them from updating addresses, which is completely irrelevant to federal student loan servicing.

Staff suggested email notice could apply, but I received no email either. 

The Treasury XXXX letter I eventually received was mailed to my correct address, proving IRS/Treasury had my updated address. DOE failed to use the same federal address databases, violating due process ( XXXX v. XXXX  ).

Company response to consumer: Untimely response
Consumer complaint received 2025-12-10 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: RI

Complaint narrative:
I already contacted American Express MULTIPLES times, about my situati, they closed my account and there still {$140.00}. In all the calls they keep promising that they will send me a check and they dont. I have the calls record it, and everytime I called they act like they dont know what Im talking about. Then when I tell them Ill talk to my lawyer since theyre not giving me my money, then ghey know what Im talking about, and always say that theyll send me a check. Is not the first time theyre trying to steal or keep my money. Is exhausting going back and forth about the same situation. I need help. I need my money, Im a single mom, and Im trying my best to survive with the little to nothing money I make for them to be keeping my money like that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-09 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: GA

Complaint narrative:
These inaccurate accounts continue to appear on my credit report and nothing has been removed. I am desperately asking for a thorough check of the documents I provided so I can finally stop feeling this constant worry.

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 2025-12-10 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: OH

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: TN

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only XXXX week remaining to finalize my home purchase. Equifaxs refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and Equifaxs stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
when i disputed these fraudulent accounts on my credit report, i never got a proper investigation these accounts are negatively impacting me by still being on my retort the only thing i received was a letter statin that i didn't provide enough information for them to do an investigation. ii will upload everything is sent to all three credit bueras, the fraudulent accounts are XXXXXXXX XXXX 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 2025-12-10 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: MI

Complaint narrative:
when i disputed these fraudulent accounts on my credit report, i never got a proper investigation these accounts are negatively impacting me by still being on my retort the only thing i received was a letter statin that i didn't provide enough information for them to do an investigation. ii will upload everything is sent to all three credit bueras, the fraudulent accounts are XXXXXXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX  ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: TX

Complaint narrative:
SEE ATTACHED IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING.. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 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 2025-12-09 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Global Lending Services LLC
State: WI

Complaint narrative:
The company, Global Lending Services ( GLS ), is attempting to collect a deficiency debt of {$7400.00} following the repossession and sale of a XXXX XXXX XXXX. I dispute this amount because the sale of the repossessed vehicle violated state consumer protection law.

The transaction is governed by the Wisconsin Consumer Act ( WCA ), which mandates that collateral be disposed of in a " commercially reasonable manner '' ( Wis. Stat. 425.209 ( 1 ) ).

GLS sold the vehicle on * * XX/XX/XXXX * * for grossly inadequate proceeds of only * * {$500.00} * *. This sale price is commercially unreasonable and has artificially inflated the final deficiency balance. This is an extreme debt being sought for a high-risk vehicle with a history of theft. 

I did not receive the formal Notice of Sale of Collateral and Explanation of Deficiency/Surplus ( dated XX/XX/XXXX ) through the mail. I only obtained this critical document today, * * XX/XX/XXXX * *, after initiating contact with GLS and requesting it. 

I have filed a formal complaint with the Wisconsin Department of Financial Institutions ( DFI ) regarding this WCA violation. I request that the CFPB compel GLS to recalculate the debt based on a commercially reasonable valuation and accept my final settlement offer of {$1400.00} for full and final account resolution with a Pay-for-Delete credit reporting agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: CA

Complaint narrative:
I regularly monitor my credit report because maintaining a strong credit score is important to me, yet I continue to see inaccurate and false information appearing on it. This has been a recurring issue, and despite raising this concern multiple times, nothing has been corrected. It has become extremely stressful and exhausting, and these persistent inaccuracies are unfairly harming both my life and my credit score.

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 2025-12-09 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: MI

Complaint narrative:
There's some information only account that is not accurate and I also ask sent goodwill letter asking for removing negative information off my credit has well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: MI

Complaint narrative:
There's some information only account that is not accurate and I also ask sent goodwill letter asking for removing negative information off my credit has well.

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 2025-12-09 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: OH

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/year>, I sent a XXXX payment of {$240.00} from my Chase checking account to a seller for a pair of custom grillz. The seller instructed me to pay the remaining balance once the work was completed. 

On XX/XX/year>, after the seller sent me a photo claiming the grillz were complete, I sent the second XXXX payment of {$240.00} as they insisted this was required before scheduling a pickup time. I paid a total of {$480.00} for a product I have never received. 

After making the final payment, I repeatedly attempted to schedule a pickup. From XX/XX/XXXX onward, the seller stopped responding to my calls and messages or gave vague responses without providing any real pickup time. I had no clear communication and no product in hand, which led me to file a dispute with Chase for goods/services not received. 

Chase later closed my dispute stating that because the transaction was authorized, they could not assist me, despite the fact that I paid for a service that was never delivered. This forced me to continue trying to resolve the issue directly with the seller. 

After the sellers bank account was closed, the seller finally contacted me. In these messages ( which I will attach ), the seller admitted the following : They refused to give me the grillz I paid for unless I reversed the XXXX dispute. 

They told me to message the bank/Zelle and XXXX claim I made a mistake so their account could be reopened. 

They stated they would melt the grillz down or sell the gold for scrap value instead of giving me my product. 

They admitted their bank account ( XXXX XXXX ) had been flagged or shut down. 

They acknowledged that I would be left with neither my product nor my money. 

They refused to meet in person to resolve the issue. 

Despite paying in full and complying with every instruction, I have received nothing in return no grillz and no refund. The seller is withholding the product and only communicated after their account was shut down. 

I have also filed a police report regarding this incident ( Report Number : XXXX ) and provided Chase with my XXXX scam case number ( Case Number : XXXX ). I am including these details to support the accuracy and seriousness of this situation.

Company response to consumer: Closed with explanation