vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 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:
Since XX/XX/XXXX, I have been disputing numerous inaccurate and unvalidated accounts on my credit reports that are being reported by third-party debt buyers and collectors, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others. 

I have submitted multiple disputes through the credit bureaus as well as formal complaints through the CFPB. Despite my repeated efforts, the credit bureaus continue to mark these accounts as verified without requiring proper legal debt validation. I am repeatedly sent only billing statementswhich do not satisfy the requirements of the FDCPA. The accounts are not being investigated properly, and the bureaus continue to allow them to remain or reappear on my reports. 

My credit score has suffered greatly due to this mishandling. My TransUnion score had reached nearly XXXX, but it has since dropped to XXXX, despite my efforts to resolve the issues in good faith. I am currently considered unhoused, as I am living with relatives, and I am actively working toward qualifying for a XXXX XXXX loan in XXXX so I can obtain stable housing. The inaccurate and unvalidated information on my credit report is threatening that goal. 

These bureaus are violating the Fair Credit Reporting Act ( FCRA ) and enabling predatory debt buyers by : - Failing to conduct meaningful investigations - Refusing to provide method of verification documentation - Allowing unvalidated or unverifiable accounts to remain - Permitting reinsertion of removed items without proper notice I am emotionally exhausted. I have done everything Im supposed to do, but the system continues to harm me. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Since XX/XX/XXXX, I have been disputing numerous inaccurate and unvalidated accounts on my credit reports that are being reported by third-party debt buyers and collectors, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others. 

I have submitted multiple disputes through the credit bureaus as well as formal complaints through the CFPB. Despite my repeated efforts, the credit bureaus continue to mark these accounts as verified without requiring proper legal debt validation. I am repeatedly sent only billing statementswhich do not satisfy the requirements of the FDCPA. The accounts are not being investigated properly, and the bureaus continue to allow them to remain or reappear on my reports. 

My credit score has suffered greatly due to this mishandling. My TransUnion score had reached nearly XXXX, but it has since dropped to XXXX, despite my efforts to resolve the issues in good faith. I am currently considered unhoused, as I am living with relatives, and I am actively working toward qualifying for a XXXX XXXX loan in XXXX so I can obtain stable housing. The inaccurate and unvalidated information on my credit report is threatening that goal. 

These bureaus are violating the Fair Credit Reporting Act ( FCRA ) and enabling predatory debt buyers by : - Failing to conduct meaningful investigations - Refusing to provide method of verification documentation - Allowing unvalidated or unverifiable accounts to remain - Permitting reinsertion of removed items without proper notice I am emotionally exhausted. I have done everything Im supposed to do, but the system continues to harm me. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: CA

Complaint narrative:
I am writing to formally dispute the accuracy and validity of a collection account listed on my credit report. Recently I did an investigation on my credit report and found items on there to be inaccurate. 

Under 15 U.S.C 1681e ( b ) { Accuracy of report } 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.

Under 15 U.S.C 1681s-2 ( a ) 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.

Under 15 U.S.C 1681 ( a ) ( Accuracy and fairness of credit reporting ) ( 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

The original loan amount was {$19000.00}, but the reported balance is {$25.00}, XXXX, an increase of nearly {$6000.00}. there's no explanation for this large increase no itemized fees, interest, penalties, or charges are listed. The account is reported as open and {$13000.00} past due but its unclear how long its been past due or if its even being actively collected. credit reporting must be accurate clear fair and verifiable they are also violating 15 U.S.C 1692e false deceptive or misleading representation. this phrasing is confusing its not clear if the account is in active default, charge-off status, or if legal action is being taken, vague, misleading, or incomplete reporting can damage credit standing unfairly. I want you to provide full validation of debt. you are violation my consumer rights by reporting this inaccurate information. please update or remove this inaccurate information immediately. Account XXXX XXXX XXXX XXXX XXXX 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 2025-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
Everytime I have money put on my card a little bit gets taken so I have to hurry up and draw it off at the ATM before Monday gets taken from me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
To whom it XXXX concern, My name is XXXX XXXX, and I am absolutely fed up with the willful negligence, data inaccuracies, and blatant noncompliance with federal and state credit laws by Experian, TransUnion, and XXXX XXXXXXXX. 

XXXX XXXX has been reporting false and inaccurate late payments on my account, which I have repeatedly disputed. Despite sending formal requests to verify or remove the erroneous reporting, Experian and TransUnion have continued to publish this misinformation, knowingly harming my credit profile. 

This isnt a misunderstandingthis is a clear and willful violation of my rights as a consumer under : 15 U.S.C. 1681e ( b ) Failure to maintain accurate records, 15 U.S.C. 1681i Failure to reinvestigate disputed information, 15 U.S.C. 1681n & 1681o Willful and negligent noncompliance, and [ Insert applicable state statute if known, e.g., California Civil Code 1785.25 or Nevada NRS 598C ] Unlawful reporting and failure to correct inaccurate credit information. 

The impact of this misconduct has been financially and emotionally devastating. I have been : Denied credit and charged higher interest rates due to lowered credit scores ; Embarrassed and humiliated during legitimate credit checks ; Forced to pay more for necessities like housing and insurance due to a credit profile that falsely represents my financial reliability. 

Ive followed the law. Ive submitted documentation. Ive made every effort to resolve this professionally. 

And yetXXXX XXXX continues to report misinformation. Experian and TransUnion continue to republish it. Ive had enough.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: FL

Complaint narrative:
I disputed an account from XXXX XXXX XXXX that is being reported on my TransUnion credit report. I submitted the dispute on XX/XX/2025, and it was marked resolved by TransUnion on XX/XX/XXXX, XXXX 6 days later. That is not a reasonable amount of time to conduct a proper investigation. 

I also formally requested debt validation from XXXX under the Fair Debt Collection Practices Act ( FDCPA ), and they have not provided it. No documents were sent to verify the account or prove the debt is accurate, valid, or mine. Despite this, they continue to report the account, and TransUnion closed the dispute without correcting the error or validating the debt. 

This is a violation of both the Fair Credit Reporting Act ( FCRA ) and the FDCPA. My rights as a consumer were ignored, and this inaccurate account is harming 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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I only applied for a XXXX  credit card once, but my Experian report shows three hard inquiries from XXXX XXXX  on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I did not authorize multiple credit checks, and Experian wont let me dispute them online. 

Please have all three inquiries removed, as only one was authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
To whom it XXXX concern, My name is XXXX XXXX, and I am absolutely fed up with the willful negligence, data inaccuracies, and blatant noncompliance with federal and state credit laws by Experian, TransUnion, and XXXX XXXXXXXX. 

XXXX XXXX has been reporting false and inaccurate late payments on my account, which I have repeatedly disputed. Despite sending formal requests to verify or remove the erroneous reporting, Experian and TransUnion have continued to publish this misinformation, knowingly harming my credit profile. 

This isnt a misunderstandingthis is a clear and willful violation of my rights as a consumer under : 15 U.S.C. 1681e ( b ) Failure to maintain accurate records, 15 U.S.C. 1681i Failure to reinvestigate disputed information, 15 U.S.C. 1681n & 1681o Willful and negligent noncompliance, and [ Insert applicable state statute if known, e.g., California Civil Code 1785.25 or Nevada NRS 598C ] Unlawful reporting and failure to correct inaccurate credit information. 

The impact of this misconduct has been financially and emotionally devastating. I have been : Denied credit and charged higher interest rates due to lowered credit scores ; Embarrassed and humiliated during legitimate credit checks ; Forced to pay more for necessities like housing and insurance due to a credit profile that falsely represents my financial reliability. 

Ive followed the law. Ive submitted documentation. Ive made every effort to resolve this professionally. 

And yetXXXX XXXX continues to report misinformation. Experian and TransUnion continue to republish it. Ive had enough.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXX Last XXXX of XXXX : XXXX Date : XX/XX/XXXX recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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. PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT, IMMEDIATELY : Personal Information XXXX. XXXX XXXX ACCT # XXXX XXXX. XXXX XXXX ACCT # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Under federal law, a collection agency can not report a " past due amount '' or an outstanding balance if the original creditor already charged off the account and/or sold the debt. The original creditor is required to update the account balance to {$0.00} at the time of charge-off to avoid double collection. Never sent the 1099c Bill of Sale of Chain of Custody. See PDF

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
In XXXX to XX/XX/XXXX, I purchased a lead generation service using my Chase Business Debit Card. The service provider scammed me as they did not provide any leads despite a signed contract and refused to issue a refund. I submitted a chargeback request to Chase and included detailed supporting evidence, such as the contract, proof of non-performance, and all communications ( texts and emails ). Despite this, Chase resolved the dispute in favor of the merchant. 

After Chase asked for additional information, I sent everything requested, even though they initially failed to ask for it. Chase then refused to reopen the dispute and ignored my follow-up calls. I was a longstanding business customer and always maintained my account in good standing, but I was treated unfairly. 

More recently, on XX/XX/XXXX, I called Chase to report what appeared to be a scam transaction involving my Chase Business Debit Card ( it seemed stolen ). I spoke to a representative for about four minutes, but Chase never opened a dispute or offered protection. I was effectively ignored, and no formal dispute process was initiated. 

Overall, Chase failed to follow proper dispute handling procedures, ignored my evidence, and denied basic protections, resulting in financial loss and loss of trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: MI

Complaint narrative:
I have recently received a copy of my credit report and I have noticed several inaccuracies/inconsistancies and unauthorized accounts/information on my report. This has been detrimental to my credit health and, therefore, my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hard inquiries not recognized by me : XXXX XXXX - XX/XX/XXXX ( Experian ), XXXX XXXX XXXX - XX/XX/XXXX ( Experian ), XXXX XXXX XXXX - XX/XX/XXXX ( Experian ), XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ), XXXX XXXXXXXX - XX/XX/XXXX ( TransUnion ), XXXX XXXX XXXX - XX/XX/XXXX ( TransUnion ), XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( TransUnion ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: WY

Complaint narrative:
My balance on student loans XX/XX/year> was {$190000.00}. Total payments in XXXX was {$13000.00}. My student loans under the XXXX plan have been at XXXX XXXX interest and should not have any interest added. Since XX/XX/year> I have had {$46000.00} in interest added to my student loans. This is fraud. My current balance should be {$180000.00}. This needs to be corrected immediately. I have contacted Mohela and XXXX XXXX XXXX with no success in resolving this issue. 

How can a student loan company, within XXXX months, add {$46000.00} in interest? This is nothing short of fraud.

Company response to consumer: Closed with explanation