vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
Follow up to previous complaint XXXX. XXXX XXXX was canceled in XXXX  and transferred to XXXX. All fees were confirmed as paid with multiple phone calls between agents at both XXXX and XXXX ( conference calling while I was on phone. ) XXXX then proceeded to attempt to continue billing me, and also failing to notify me of their intent to send me to collections. When working with XXXX staff in store, they were unable to clarify what happened. XXXX XXXX  rep said she could collect payment, and then in-store stating the opposite and giving me a collection phone number. The collections agency can not offer a pay-for-delete letter, despite multiple attempts to communicate with both XXXX staff and rectify. 

Requesting assistance from CFPB, requesting XXXX XXXX  to offer a signed pay-for-delete letter and correct the amount. Last bill found in mailbox after returning from out-of-town was a letter from XXXX for {$130.00} ( despite XXXX rep previously stating XXXX account was clear of debt ). 

Spoke to XXXX XXXX on XX/XX/year>, and no resolution or assist to rectify. Sent letter back as well by requested date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TX

Complaint narrative:
I had XXXX fraudulent transactions that I disputed with Cashapp. The transactions were sent internationally to an unknown foreign vendor. The transactions were initially denied through Cashapp and I filed appeals for each transaction. Even though the merchants were the same merchant and I had supporting documentation for each transaction, only XXXX of the transactions were refunded. I entered all the same information for each appeal yet XXXX were still not refunded. I tried to contact Cashapp to ask for an explanation as to why only some transactions were approved however I never got legitimate reasoning as to why I wasnt refunded all my funds back. I also filed a dispute with my bank and Cashapp refused to refund the funds that way too.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Foris DAX, Inc.
State: MI

Complaint narrative:
Crypto.com Support Team stole XXXX Litecoin from XXXX XXXX XXXX XXXX XXXX on the date of : XX/XX/year> Reason claimed is invalid, claimed as " Adjustment ( Transfer ) when considering not received by me nor any affiliation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: MO

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX  days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2025-11-26 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: NC

Complaint narrative:
To Whom It May Concern, This letter serves as a formal request for the immediate deletion of fraudulent information appearing on my credit report, in accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ).

Despite multiple disputes and the evidence I have previously submitted, this account continues to be reported, which constitutes a violation of federal law.

Enclosed you will find a copy of my Identity Theft Report issued by the Federal Trade Commission, FTC Report Number : XXXX

As required under 15 U.S.C. 1681c-2, once an identity theft report is provided, a credit reporting agency must block the disputed information within XXXX ( XXXX ) business days. You have failed to meet this obligation. 
The account that must be immediately removed is : Unknown - XXXX This account does not belong to me and is the direct result of identity theft. Other credit bureaus have already deleted it after being unable to verify its legitimacy. The furnisher has failed to produce any signed agreement or verifiable documentation for over XXXX days, confirming that this account can not be validated. 
However, EQUIFAX continues to report it, knowingly allowing inaccurate and harmful information to remain on my file. 
Your failure to remove this fraudulent account has caused ongoing financial and personal harm, including credit denials and the inability to move forward with essential financial goals such as home ownership. 
This situation is both unacceptable and unlawful. 
I am demanding that you immediately block and delete this fraudulent account from my credit report. 
If this issue is not resolved promptly, I will proceed with filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General for your continued noncompliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This situation has completely turned my life upside down. I discovered someone used my information to open accounts and damage my credit, and its been an emotional and financial nightmare. Every time I try to explain to the credit bureaus or the companies involved, Im met with silence or excuses. Im not just a number Im a real person trying to recover from something I didnt cause. Please help me get these fraudulent items removed so I can rebuild my life and protect my future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: CA

Complaint narrative:
Dear Equifax, I am submitting this dispute to address several inaccuracies on my credit report. Please see the details below : Charged Off Accounts : XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} This account is inaccurately reported as charged off. I request that you verify the status of this account and provide accurate reporting. 

Inquiries : XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX This inquiry was not authorized by me. Please remove this inquiry from my report. 

XXXX XXXX XXXX : XX/XX/XXXX I did not authorize this inquiry. Please investigate and remove it if found to be an error. 

XXXX Date : XX/XX/XXXX I have no record of authorizing this inquiry. Please verify and remove if this is an unauthorized inquiry. 

Late Payments : XXXX XXXX XXXX XXXX, Account Number : XXXX The reported late payments for this account are inaccurate. Please review the payment history and correct any discrepancies. 

XXXX XXXX XXXX XXXX  Account Number : XXXX This account should not reflect any late payments. Kindly investigate the matter and update the record accordingly. 

XXXX XXXX, Account NumbeXXXX : XXXX The reported late payments on this account are incorrect. Please correct the payment history for this account. 

XXXX XXXX XXXX, Account Number : XXXX The payment history for this account contains inaccuracies. Please verify and correct as necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: ID

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX USC XXXX ( XXXX ) ( b ). 

And according to XXXX USC XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to XXXX USC XXXX they are suppose to 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 2025-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Marlette Funding, LLC
State: GA

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX, for furnishing inaccurate, incomplete, and misleading information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). 

The account they are reporting is originally from Best Egg, but XXXX XXXX XXXX is falsely listing themselves as the original creditor on my credit report. XXXX is a debt buyer, not the original lender, and reporting themselves as the original creditor is factually incorrect and misleading. 

Additionally, the account is being reported with the following errors : XXXX. Incorrect account status : XXXX is reporting the account as XXXX, which is inaccurate. A collection account is not an open or active credit account. This misrepresents the nature of the debt. 

XXXX. Missing or incomplete account type : The account type is listed as, which is incomplete and violates the FCRA requirement that information be furnished with maximum possible accuracy. 

XXXX. Incorrect original creditor information : Instead of listing Best Egg as the original creditor, XXXX is listing themselves. This is a clear factual inaccuracy and misrepresentation. 

XXXX. Conflicting or incomplete reporting : The remarks section states Placed for Collection and Account information disputed by consumer, but the main fields are inconsistent and missing required details. 

These inaccuracies cause the account to appear as if XXXX originated the loan and is actively extending credit to me, which is completely false. 

I previously disputed this account with the credit bureaus, but they responded that the account was verified as accurate, despite the clear errors listed above. This indicates that neither XXXX nor the credit bureaus properly investigated the dispute as required under FCRA XXXX ( a ). 

I am requesting that the CFPB investigate XXXX XXXX XXXX reporting and require the company to : Correct the reporting to accurately reflect the true original creditor and correct account status, OR Delete the account entirely if XXXX can not provide full verification and accurate information. 

I am attaching supporting documentation, including screenshots of the incorrect reporting. 
Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: GA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2025-11-26 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: CA

Complaint narrative:
I am submitting this complaint legitimately and demand immediate attention. My credit report contains inaccurate information that does not meet the required standard of maximum possible accuracy. These errors are having a serious and ongoing negative impact on my life. I insist that these inaccuracies be thoroughly investigated and either corrected or removed without delay. Resolving this issue is critical.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: IL

Complaint narrative:
I disputed several inaccurate accounts with Experian and directly with the furnishers. I requested verification and documentation, but Experian marked them verified without providing supporting proof or conducting a reasonable investigation as required under FCRA 611. 

Here is exactly where violations occurred : 1. Dept of Education / XXXX  XXXX Student Loan Accounts ( Last known numbers end in ) : XXXX, XXXX, XXXX, XXXX These accounts are reporting late payments even though the loans are in deferment until XX/XX/year>. No payments were required, so it is impossible for delinquencies to exist. Reporting late or past due during deferment violates Metro2 XXXX  guidelines and constitutes inaccurate reporting under FCRA 602 and 607 ( B ). I requested documentation showing I was required to make payments at the time late marks were reported. No evidence was provided. 

XXXX. XXXX XXXX XXXX ( Last XXXX visible digits : XXXX ) This account is reported as charged-off, yet Experian/furnisher continue to report a past-due balance of {$2200.00}, which is inaccurate because delinquency can not continue after a charge-off. This appears to be account re-aging and misleading reporting. Verification documentation was never supplied. 

XXXX. XXXX XXXX XXXX  ( Credit Card ) ( Last XXXX visible digits : XXXX ) Experian is reporting continued delinquency months after charge-off, which is illegal re-aging. I requested itemization, payment records, and documentation supporting delinquency beyond charge-off. None was provided. 

XXXX. XXXX XXXX XXXX ( Last XXXX visible digits : XXXX ) No validation was provided to prove ownership of debt, no contract, no chain-of-assignment, and no itemized balance breakdown. This is unverifiable under FCRA 623 and FDCPA 807 ( 8 ), yet Experian continues reporting it as accurate. 

I requested verification documentation for all accounts listed above. No records were produced. Experian continued reporting them without proof, which is a failure to conduct a legally compliant reinvestigation. This has resulted in ongoing credit damage and I am requesting CFPB intervention for correction and full deletion based on non-verification.

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 2025-11-26 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 disputed several inaccurate accounts with Experian and directly with the furnishers. I requested verification and documentation, but Experian marked them verified without providing supporting proof or conducting a reasonable investigation as required under FCRA 611. 

Here is exactly where violations occurred : 1. Dept of Education / XXXX  XXXX Student Loan Accounts ( Last known numbers end in ) : XXXX, XXXX, XXXX, XXXX These accounts are reporting late payments even though the loans are in deferment until XX/XX/year>. No payments were required, so it is impossible for delinquencies to exist. Reporting late or past due during deferment violates Metro2 XXXX  guidelines and constitutes inaccurate reporting under FCRA 602 and 607 ( B ). I requested documentation showing I was required to make payments at the time late marks were reported. No evidence was provided. 

XXXX. XXXX XXXX XXXX ( Last XXXX visible digits : XXXX ) This account is reported as charged-off, yet Experian/furnisher continue to report a past-due balance of {$2200.00}, which is inaccurate because delinquency can not continue after a charge-off. This appears to be account re-aging and misleading reporting. Verification documentation was never supplied. 

XXXX. XXXX XXXX XXXX  ( Credit Card ) ( Last XXXX visible digits : XXXX ) Experian is reporting continued delinquency months after charge-off, which is illegal re-aging. I requested itemization, payment records, and documentation supporting delinquency beyond charge-off. None was provided. 

XXXX. XXXX XXXX XXXX ( Last XXXX visible digits : XXXX ) No validation was provided to prove ownership of debt, no contract, no chain-of-assignment, and no itemized balance breakdown. This is unverifiable under FCRA 623 and FDCPA 807 ( 8 ), yet Experian continues reporting it as accurate. 

I requested verification documentation for all accounts listed above. No records were produced. Experian continued reporting them without proof, which is a failure to conduct a legally compliant reinvestigation. This has resulted in ongoing credit damage and I am requesting CFPB intervention for correction and full deletion based on non-verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Camelot Financial Services, Inc.
State: CA

Complaint narrative:
XXXX is what I was taking out on several occasions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: NV

Complaint narrative:
On two separate transactions on my Cash App Visa Debit Card ( each {$900.00} ), I purchased two remote-control helicopters. The seller shipped both items with no packing materials, resulting in severe damage. Several accessories I paid for were also missing. I provided Cash App with clear photo evidence of the damage and messages showing the seller refused a return, refund, or any resolution. 

On XX/XX/year>, I called Cash App support to provide additional information. The representative reviewed my photos and documentation and told me the disputes were already marked actionable, that if they were going to be denied they would have already, and that I was guaranteed approval and a full refund by XX/XX/year>. I relied on these statements. 

On XX/XX/year>, both disputes were denied with the same generic template response stating only : the transaction was authorized and no error occurred. This response does not address the actual dispute category ( damaged/defective merchandise and missing items ) and suggests no meaningful investigation occurred. 

I appealed both decisions, and the appeals were also denied using the exact same generic language, with no explanation of what was reviewed, no acknowledgment of the evidence I provided, and no reference to the seller refusing a return or the condition of the merchandise. Cash App has not provided any information about what evidence was considered or what investigation was performed. 

I repeatedly requested clarification from Cash App and only received the same copy-and-paste message each time. I also filed a complaint through the XXXX XXXX XXXX, and Cash App responded there with the exact same template denial, again stating only that the transactions were authorized and that no error occurred, without addressing the evidence or concerns I raised. This shows a pattern of automated denials without any real investigation. 

I am requesting the CFPBs assistance because Cash App failed to conduct a proper investigation, provided misleading information, and denied a valid dispute despite clear evidence of damaged and incomplete merchandise.

Company response to consumer: Closed with explanation