vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 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: MN

Complaint narrative:
Subject : Dispute of Inaccurate Delinquency on XXXX XXXX XXXX ( FCRA Violation ) I am writing to formally dispute a 90-day delinquency reported by XXXX and listed on my credit report with your agency, with a delinquency date of XX/XX/year>. 

According to a letter I received directly from XXXX dated XX/XX/year>, my loans were stated to be currently in deferment, and that no payments were due at this time. Based on this written notice, I understood that no loan payments were required at that time. 

However, I have now discovered that a delinquency was reported as if a payment was due on or around XX/XX/year>, which contradicts XXXX own statement in their communication. This has had a negative impact on my credit score and constitutes a potential violation of the Fair Credit Reporting Act ( FCRA ), which protects consumers from inaccurate and misleading credit reporting. 

Attached are the following documents for your review : 1. A copy of XXXX XXXXXX/XX/year> letter confirming deferment 2. A copy of my current deferment status Please conduct a reinvestigation and confirm this correction. If the furnisher can not verify the accuracy of the delinquency in light of this documentation, it must be deleted from my credit file under FCRA guidelines. 

Thank you for your time and prompt attention to this matter. 

Sincerely, 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 2025-06-14 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: TX

Complaint narrative:
My Cash App account has been frozen for over two weeks with no clear explanation or resolution. The issue began after I sent a {$150.00} payment to my sister for rent using a humorous description ( potato salad from XXXX ). Weve always used lighthearted descriptions because Cash App requires a reason to send money, and this has never been an issue before. 

Shortly after, my account was placed under review, and I have been completely locked out from accessing my funds currently totaling {$800.00}. Ive contacted Cash App support multiple times, but all I receive are the same vague responses about an ongoing review, with no timeline, no update, and no meaningful explanation. 

I rely on this money for rent and essential expenses, and Im now financially strained because of this unresolved hold. I understand the need for compliance, but this situation has gone too far. I am requesting that this matter be escalated and my funds released immediately, or at least that I receive a specific update on when this review will be resolved. 

This is not just an inconvenience it is a serious disruption to my life. I am asking the CFPB to step in and hold Cash App accountable for the delay and lack of transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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:
SEE PHOTOS FROM PREVIOUS COMPLAINT EQUIFAX IS STILL NOT REPORTING MY CREDIT CARD ENDING IN XXXX - I HAVE ALL CALLS RECORDED OF EQUIFAX BLAMING XXXX BANK AND REFUSING TO SPEAK WITH THEM. ALSO XXXX confirms Equifax received all requested info multiple times via certified mail. Equifax sends the below every XXXX  days FOR YEARS NOW-I JUST RECEIVED ANOTHER RIGHT NOW, XX/XX/XXXX : " Equifax has XXXX your complaint submitted through the CFPB XXXX XXXX We need more time to review and thoroughly research your submission. Once we've completed our research, we will provide an updated response with our findings. '' My credit continues being falsified year after year, since all the other credit bureaus XXXX XXXX, and XXXX are reporting and only Equifax is not. Equifax 's responsibility is to report my credit accurately and CFPB 's is to address complaints positively or negatively. AGAIN : Equifax is falsifying my information online and not responding to my complaint ; CFPB is publishing it is. AGAIN : ALSO EQUIFAX IS REPEATEDLY SENDING LETTERS ABOUT THE WRONG CARD SAYING I HAVE DISPUTED MULTIPLE TIMES - SEE PHOTOS THIS IS THE WRONG CARD. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax has now updated same aforementioned wrong card as " last activity XX/XX/XXXX when there has been no actiivity for XXXX * * * * * * Equifax has faced multiple lawsuits and settlements related to their XXXX data breach and subsequent errors in credit reports. The XXXX breach exposed the data of approximately XXXX XXXX consumers. There have also been lawsuits and fines related to Equifax 's handling of consumer disputes and inaccurate credit reporting. Here 's a more detailed breakdown : XXXX XXXX XXXX : Equifax settled a class action lawsuit related to the XXXX data breach for {$700.00} XXXX. Improper Investigations : The Consumer Financial Protection Bureau ( CFPB ) fined Equifax {$15.00} XXXX for failing to properly investigate consumer disputes and address inaccuracies in credit reports. Inaccurate Credit Scores : New York Attorney General ( XXXX ) secured a settlement with Equifax for {$720000.00} due to inaccurate credit scores reported to lenders, impacting consumers ' loan costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: DISCOVER BANK
State: MT

Complaint narrative:
Refer to CFPB Complaint XXXX. You guys closed that complaint and it is not resolved. Discover is still difficult to communicate with. I have received a response from XXXX. They are saying " Our system indicates that Discover resolved the dispute in your favor, and therefore, the funds were not returned to XXXX. '' Refer to the upload snippet of the email I received. 

I added it to the dispute with Discover. However, it is useless to call them because the XXXX person they assigned does not answer her phone. It goes straight to voice mail. The customer service line is a solid " we cant help. '' What else can I do to get my {$550.00} back?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 XXXX XXXX XXXX  REMOVED from my credit report, except for XXXX XXXX XXXX XXXX XXXX listed below : 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/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: GA

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: R.T.R. Financial Services, Inc.
State: TN

Complaint narrative:
I worked with XXXX XXXX about the bill and we set up XX/XX/XXXX {$75.00} payment to keep paying toward my debt with them I should not be Contact by you I am working with the hospital on this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA
State: IL

Complaint narrative:
Since the save program was in XXXX with the government mohela took it upon themselves to negatively impact my credit score by a lot and also I was forced to be in forbearance. Since then they have increased my credit usage more than 108 % and increased my total principal. They also lowered my credit limit by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: GA

Complaint narrative:
I am disputing an inaccurate apartment balance being reported by XXXX XXXX XXXX on my Experian credit file. I moved out of the apartment located at XXXX XXXX XXXX XXXX in XX/XX/XXXX and submitted my notice to vacate. I was later informed that a third party disputed my final two rent payments, leaving me with a balance I was unaware of. Because I received the notice late, I could not repay the full amount in time. 

Ive disputed this through Experian six times : on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I also mailed a certified dispute letter before XXXX XXXX and filed a prior CFPB complaint. Despite all this, no documentation has ever been provided to validate the debt. 

On XX/XX/XXXX, Experian confirmed that the account would remain. Two days later, they told the CFPB the investigation was still open. That contradiction is misleading and dishonest.

Experians own records label the address as a hotel/business, not a personal residence. This balance is unverified, inaccurate, and is now interfering with my ability to secure housing before my lease ends on XX/XX/XXXX. I am requesting the immediate removal of this account for failure to verify and continued FCRA violations.

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 2025-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
My loan has been transferred to numerous companies since the 2 years of my purchase. However once it was transferred to Mr. Cooper, I made my payment online in full yet they mailed me my payment through a check form. 

Now I am requesting my Reinstatement in writing but told they are not allowed to- it can only be given verbal How does a company expect me to pay an amount I have no way of verifying for I have been removed access from my online account as well As a customer- I should have a right to MY account information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: TX

Complaint narrative:
The following inquiries I did not authorize. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> The following addresses and places of employment are inaccurate as well XXXXXXXX XXXX  Tx XXXX I HAVE NEVER LIVED HERE XXXX XXXX I HAVE NEVER WORKED HERE

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 2025-06-14 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: FL

Complaint narrative:
I disputed an account reported by Jefferson Capital on my XXXX  credit report. Within 24 hours, XXXX  responded that the account would remain, without providing any proof that the debt is valid or belongs to me. That is not enough time to conduct a real investigation, as required by the Fair Credit Reporting Act.

Jefferson Capital has not provided verification, proof of ownership of the debt, or any documentation showing they have the right to collect or report it. This account is negatively affecting my credit score, and I believe my rights under the FCRA have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 has reasonable cause to believe that the information is inaccurate.

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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-06-14 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: PA

Complaint narrative:
I am reaching out to formally dispute the inaccurate reporting of a bankruptcy on my credit file. I have obtained official documentation from the court that clearly confirms this bankruptcy should not be appearing on my credit report. Despite this, it continues to be listed, which is both misleading and XXXX to my credit profile. What makes this matter even more serious is the involvement of an XXXX XXXX XXXX, which raises serious concerns about the integrity of the reporting process and the potential mishandling of my personal information. This situation requires urgent attention and a thorough review to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are being upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, my attorney XXXX XXXX XXXX sent a certified demand letter to the Branch XXXX - XXXX XXXX XXXX XXXX Citibank , N.A . XXXX XXXX XXXX, XXXX, CA XXXX. No response till today.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 
XXXX, MD XXXX XXXX XXXX XX/XX/year> XXXX XXXX and XXXX XXXXXXXX. XXXX XXXX, XXXX, TX XXXX. 

Formal Dispute of Inaccurate Late Payment I am writing to formally dispute inaccurate information appearing on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and the Fair Credit Billing Act ( FCBA ), specifically 15 U.S.C. 1666b. 

The tradeline from XXXX, American Express, XXXX XXXX and XXXX XXXX  reporting on my credit file, shows late payment ( s ) on the following date ( s ) : [ Insert date ( s ) of the reported late payments ] These reported late payments are inaccurate and in violation of 15 U.S.C. 1666b, which requires that a creditor not treat a credit card payment as late if it was received by 5:00 p.m. on the due date, or later if the creditors cutoff time is I am asserting that I made my payment ( s ) in accordance with this law, and therefore, the negative reporting is improper and must be removed. Please conduct a reinvestigation under the FCRA and correct or delete the inaccurate reporting all companies above Pursuant to the FCRA, you are required to complete your reinvestigation within 30 days. If you are unable to verify the accuracy of the late payments, the information must be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 
XXXX, MD XXXX XXXX XXXX XX/XX/25 XXXX XXXX and XXXX XXXXXXXX. XXXX XXXX, XXXX, TX XXXX. 

Formal Dispute of Inaccurate Late Payment I am writing to formally dispute inaccurate information appearing on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and the Fair Credit Billing Act ( FCBA ), specifically 15 U.S.C. 1666b. 

The tradeline from XXXX, XXXX XXXX, XXXX XXXX and Navy federal reporting on my credit file, shows late payment ( s ) on the following date ( s ) : [ Insert date ( s ) of the reported late payments ] These reported late payments are inaccurate and in violation of 15 U.S.C. 1666b, which requires that a creditor not treat a credit card payment as late if it was received by XXXX XXXX. on the due date, or later if the creditors cutoff time is I am asserting that I made my payment ( s ) in accordance with this law, and therefore, the negative reporting is improper and must be removed. Please conduct a reinvestigation under the FCRA and correct or delete the inaccurate reporting all companies above Pursuant to the FCRA, you are required to complete your reinvestigation within 30 days. If you are unable to verify the accuracy of the late payments, the information must be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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 REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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