vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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: IN

Complaint narrative:
To Whom It May Concern : I am filing a formal complaint against Experian for furnishing inaccurate and damaging information on my credit file due to its negligence in verifying the accuracy of data provided by XXXX. 
In XX/XX/year>, XXXX furnished false information claiming that I failed to make a student loan payment. My account is in deferment status, with no payments due until XX/XX/year>. Despite this fact, Experian reported the delinquency without conducting a reasonable investigation or verifying whether the information was accurate. 
As a result, my credit score dropped drastically in a single month. This false delinquency was reported across multiple credit reports and has caused significant financial harm, including damage to my creditworthiness, loss of purchasing power, and reputational harm as a borrower. 
XXXX actions represent a clear violation of the Fair Credit Reporting Act ( FCRA ). Under the FCRA, consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they include in consumer reports. Experian failed in its obligation by accepting and reporting false information without proper verification. 
I am requesting immediate removal of the false delinquency from my credit file, full restoration of my credit score to its rightful level prior to this inaccurate reporting, and monetary compensation for the financial harm and distress caused by XXXX negligence. I also ask that appropriate measures be taken to ensure Experian complies with the FCRA and strengthens its procedures to prevent similar harm to other consumers. 
This matter has caused me substantial and unnecessary hardship. I respectfully request the Consumer Financial Protection Bureau to intervene promptly to hold Experian accountable and ensure that my credit profile is corrected without delay. 
Thank you for your attention and assistance. I look forward to your swift action in resolving this matter.

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 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have purchased items from whatsup using XXXX application but been Scammed and never reveived the Items. I contacted XXXX but they closed the Claim number XXXX without looking at my proofs. I contacted the person many time but has changed his XXXX number and is not responding.

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 2025-08-28 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: NJ

Complaint narrative:
I recently reviewed my credit reports and saw that there was a fraudulent accounts that hurting my ability to get credit please removed thank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft, and fraudulent accounts have been added to my credit reports without my knowledge or consent. I am requesting that these accounts be investigated and blocked under FCRA 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 non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried several times to have the bureaus validate the bankruptcies on my credit but they have not been able to validate. They are saying that XXXX XXXX is validating the bankruptcies but XXXX XXXX has not been able to validate the bankruptcies and have removed them from my profile with them. Equifax Transunion and Experian knows this because I send a letter that I received from XXXX XXXX to them and they have ignored that letter which means they have violated the FCRA laws, 611 ( 15 U.S.C. 1861i ) Dispute Process, 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum Possible Accuracy, 616-617 ( 15 U.S.C. 1681n & 1681o ) -Civil Liability and the damages can be from $ XXXX {$1000.00} per violation, punitive damages, plus attorney fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: VA

Complaint narrative:
XXXX XXXX. Money was sent to my son for emergency purposes through cash app which he didnt receive. It was marked as suspicious activity in error. Ive explained multiple times through email and phone that no fraud had occurred. Ive been waiting over a month for access to these funds and nothing has been resolved. It has caused me financial distress. 

XXXX hoping a resolution to this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Scratch Financial, Inc.
State: CA

Complaint narrative:
This company is now telling me that my account is blocked and can not or will not tell me why and or when the block will be lifted. I was told that it was placed on the account after I completed about my original application getting closed after XXXX days.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: GA

Complaint narrative:
XX/XX/XXXX - XXXX colleague transfer funds to my cashapp to help pay for a team lunch. 
XX/XX/XXXX - I attempt to withdraw the funds to my bank account and it fails. I reach out to support using their chatbot and they say my account is not frozen and should be working properly. 
XX/XX/XXXX - I try again to withdraw the funds and it fails. I reach back out to customer support and they say that the support team is going to investigate the issue and send me an email with updates. 
XX/XX/XXXX - I have yet to receive an email or confirmation that my support ticket has been opened and is being worked on. I reach back out to CashApp and they say that the ticket is being worked on by the speciality team which they have no way of communicating with but that will provide an update on my ticket via email. At this point I request the ticket be escalated. My request for more information is considered a complaint. 
XX/XX/XXXX - I call into support and the agent tells me that the specialty team has provided no updates on the status of my request. He says that if I keep messaging or calling about this case it is going to slow down the investigation. I make XXXX additional calls to cash app support and receive the same information that they can not give me any updates and the specialty team will need to update me. I tell them all that it has been over a week and I still have not received anything from the specialty team. I ask if I can close my account and they say no because of the investigation. I ask " why If I opened the investigation, can't I close the investigation and then close my account ''? They say they can not do this because of the ongoing investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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 filling this complaint under the Fair Credit Reporting Act ( FCRA ) due to the willful noncompliance of the credit bureaus and data furnishers in properly investigating my disputes, as required under 15 U.S.C 1681i and 15 U.S.C. 1681s-2 ( b ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation and have continued to report incorrect information on my credit report. Furthermore the data furnishers have neglected their legal obligation to investigate the disputed information when notified by the credit bureaus. The Consumer Financial Protection Bureau filed a lawsuit against Equifax for it's failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify customers about investigation results effectively. Please review the inaccurate information being report ; XXXX XXXX XXXX {$1900.00}, XXXX XXXX  XXXX {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: SC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: OH

Complaint narrative:
These accounts do not belong to me, please block and remove according to 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 non-monetary relief
Consumer complaint received 2025-08-28 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: Klarna AB
State: MO

Complaint narrative:
XX/XX/year> I purchased XXXX bras from XXXX XXXX online via Klarna Card XX/XX/XXXX. 

I received XXXX incorrect XXXX. 

XX/XX/year> XXXX I returned the incorrect XXXX and XXXX other bras totaling {$59.00} in store and tapped the Klarna XXXX XXXX XXXX for XXXX. 

Ive contacted XXXX XXXX corporate that can not confirm a credit, the store manager on site printed a back office transaction that confirms the return and tap initiated. 
I have been denied the return credit and appeals XXXX. 

Klarna Ref # XXXX Merchant ref # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC
State: NC

Complaint narrative:
1 ) My Personal Information was and still is merged with someone else information. 
2 ) Over XXXX inquiries that were NOT authorized after XXXX  was notified to remove. 
3 ) XXXX accounts that have been in dispute that verification has NOT been provided which by law should have been removed.

4 ) numerous inaccuracies on my report and every time i provide a cfpb report- XXXX  has received some of the documents however, does NOT proceed with removal of the accounts due to your report being missing from the documents sent via US mail and with registered, and notarized documents. 
* * * SINCE THERE IS SO MANY INACCURATE I HAVE ATTACHED ADDITIONAL DOCUMENT SINCE THERE WAS NOT ENOUGH ROOM * * * * * * * * * * * * * * * * * * * * * * *

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 2025-08-28 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: SC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-08-28 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:
I am contacting you regarding a hard inquiry reflected in my credit report. I have never had any business dealings, applications, or prior relationship with the company that allegedly made this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Continental Services Group, Inc. d/b/a ConServe
State: SC

Complaint narrative:
I am submitting the complaint against ConServe for harassing and not providing the information I have asked for the past two years. I have asked for ConServe to send me a copy of my wet signature on a Promissory Note Contraction show that I owe them some money for attending XXXX XXXX XXXX. I have been asking for a copy of the Promissory Note Contract for two years. I called FAFSA and FAFSA told me that I never received any money to attend XXXX XXXX XXXX. I have yet to received a copy of my wet signature but this company is studied harassing me for money that I do not owe them. I have never done any business with this company and would like for them to stop harassing me. This company is refusing to stop with the harassing. Under the Fair Debt Collection Practices Act ( FDCPA ) is a federal law that prohibits third-party debt collectors from using abusive, deceptive, or unfair practices to collect personal debts from consumers. In 1977, the FDCPA was established to protect individuals from harassment and to ensure fair treatment by debt collectors, who are defined as companies or individuals in the business of collecting debts on behalf of others.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please help with assisting to getting these items removed from my credit file. I know my rights as a consumer. In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. Act Name : XXXX XXXX, XXXX Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX section XXXX A, States I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX. ( a ) ( XXXX ) Section states, no consumer reporting agency XXXX make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which anteaters the report by more than XXXX ( XXXX ) years. XXXX XXXX XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonably believes that the information is inaccurate.. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable XXXX Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights, Inquiries : I, XXXX XXXX XXXX section XXXX A, States I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX. ( a ) ( XXXX ) Section states, no consumer reporting agency XXXX make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 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 non-monetary relief
Consumer complaint received 2025-08-28 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: PA

Complaint narrative:
Please help with assisting to getting these items removed from my credit file. I know my rights as a consumer. In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. Act Name : XXXX XXXX, XXXX Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX section XXXX A, States I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX. ( a ) ( XXXX ) Section states, no consumer reporting agency XXXX make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which anteaters the report by more than XXXX ( XXXX ) years. XXXX XXXX XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonably believes that the information is inaccurate.. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable XXXX Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights, Inquiries : I, XXXX XXXX XXXX section XXXX A, States I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX. ( a ) ( XXXX ) Section states, no consumer reporting agency XXXX make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Apt XXXX XXXX, FL XXXX To : Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, XXXX XXXX Re : Complaint Against Discover Financial Services Account Number ( last XXXX ) : XXXX Company Address : XXXX XXXX XXXX, XXXX, DE XXXX Dear CFPB, I am filing this complaint against Discover Financial Services XXXX XXXX handling of my credit card account. 
According to my XXXX  credit report, the account ( revolving credit card, reviewed for XXXX  months, charged-off ) is reported as a charge-off. Despite this, I have received unwanted collection communications. 
I believe this conduct violates XXXX XXXX. XXXX ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits further communication once a written request to cease contact has been made. 
I respectfully request that the CFPB : Investigate Discovers collection and reporting practices for this account. 
Require Discover to validate their authority to collect. 
Enforce compliance with the FDCPA and stop further violations. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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