vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 non-monetary relief
Consumer complaint received 2025-07-28 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: CA

Complaint narrative:
I disputed XXXX XXXX XXXXXXXX & XXXX XXXX XXXX XXXX XXXX on XX/XX/2025 with supporting documents. The credit bureau did not complete its investigation within 30 days and provided no verifiable proof. I request deletion or correction and enforcement action against the bureaus/furnisher.

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 2025-07-28 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: TX

Complaint narrative:
Cash App is holding {$1000.00} of my money since XX/XX/year>, and has not allowed me to send, withdraw, or use it. 

The app displays the message : Cash couldnt be sent. This would exceed your sending limit. However, I am not trying to exceed any limit ; the funds are already in my account and they are not allowing me to access them. 

I have not received any explanation or communication from Cash App via email or in the app. My account remains active, but I can not move my money. Ive contacted support but havent received a response. 

This is unacceptable and appears to be an unjustified hold of my funds. I request that Cash App either releases the funds immediately or provides a clear and official explanation. 

I am formally requesting the release of my {$1000.00} and a written resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am filing a complaint against my loan servicer, XXXX, for inaccurately reporting multiple late payments on my credit report. 

I was repeatedly told by loan officers at XXXX that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with XXXX, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2025-07-28 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: IL

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really upset about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed all of the items that are not reported with maximum accuracy by 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 non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: AL

Complaint narrative:
[ SEE ATTACHMENTS FOR FULL DISPUTE W/ACCOUNT INFO AS WELL AS INDETIFYING DOCUMENTS ] While reviewing my credit reports to prepare for a home purchase, I noticed a collection account being reported by Eastern Account System that I do not recognize. I have no memory of owing a debt to the listed original creditor, and I never received any notice from Eastern Account System prior to this being reported. I am submitting a formal debt validation request under FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ) due to multiple violations.

There are serious reporting inconsistencies between the credit bureaus for this same account. For example : XXXX and XXXX  report the collector as EASTERNACCOS and the original creditor as XXXXXXXX XXXX XXXX  -XXXX  reports the collector as Eastern Account System and the original creditor as XXXX XXXX These variations raise red flags under FCRA 1681e ( b ), which requires furnishers to report only complete and consistent information. The account number, payment status, and collection details also vary between bureaus, making it impossible to determine whether the debt is accurate or legally reportable. 

I have no record of initiating service with this company or the original creditor listed. Until this debt is fully validated and corrected across all bureaus, it should not be allowed to remain on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Complaint Summary This is a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) against Portfolio Recovery Associates for furnishing inaccurate, unverifiable, and potentially obsolete account information to one or more major credit bureaus. The account below is being reported without legal validation and continues to harm my credit profile in violation of federal law. 
Account Details Creditor or Collector : Portfolio Recovery Associates Account Number ( masked ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$600.00} Issues Identified : Reported as an open collection account with no original contract or legal validation ; potentially time-barred. 
Legal Violations & Definitions FCRA 1681e ( b ) : Requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. FCRA 1681s-2 ( b ) : Mandates that furnishers of information must investigate disputes when notified by a consumer reporting agency and correct any inaccuracies. FCRA 1681c ( a ) ( 4 ) : Prohibits reporting of accounts that have been placed for collection or charged off more than 7 years from the date of first delinquency. FCRA 1681i ( a ) : Requires a reinvestigation of any disputed information if a consumer notifies a consumer reporting agency directly. FCRA 1681n : Provides for civil liability for willful noncompliance with any requirement of the FCRA. FDCPA 809 ( b ) : Requires debt collectors to provide validation of debt within 30 days of a written request or cease collection efforts. 
Requested Resolution Immediately delete the account unless full validation is provided. Cease all reporting if verification can not be legally supported. 

This account continues to damage my ability to secure stable housing and employment. I am demanding immediate deletion, full documentation, and total compliance with federal law. 
Failure to respond will result in further legal escalation, including complaints to additional regulatory bodies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: NY

Complaint narrative:
I need you to look into the mistakes on my credit report immediately. These inaccuracies have been stressing me out and its affecting everything. It is disheartening to know that my rights as a consumer is being violated. I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. Make sure all this information is 100 % correct. I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint because a collection account by XXXX XXXX XXXX XXXX has been inaccurately reported on my credit report. I have previously disputed this account with the credit reporting agencies and the collection agency, stating that the debt does not belong to me. Despite my dispute, this account remains on my credit report, negatively affecting my creditworthiness. I have not received proper validation of the debt, and no sufficient proof has been provided that this account is mine. Under the Fair Credit Reporting Act ( FCRA ), any item that is inaccurate or can not be verified must be removed.

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 2025-07-28 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: MD

Complaint narrative:
My personal information was compromised in the XXXX data breach, and I have confirmation of my inclusion in that breach. As a result, I am disputing the following account and inquiries that are reporting negatively on my credit file : XXXX XXXX Account # : XXXX Inquiries : XXXX, XXXX XXXX XXXX This account is inaccurate and unauthorized. I am requesting the removal under FCRA Section 605B, which provides protections for individuals whose personal data has been compromised. I have submitted documentation including my government-issued ID and confirmation of breach involvement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: MD

Complaint narrative:
My personal information was compromised in the XXXX data breach, and I have confirmation of my inclusion in that breach. As a result, I am disputing the following account and inquiries that are reporting negatively on my credit file : XXXX XXXX Account # : XXXX Inquiries : XXXX, XXXX XXXX XXXX This account is inaccurate and unauthorized. I am requesting the removal under FCRA Section 605B, which provides protections for individuals whose personal data has been compromised. I have submitted documentation including my government-issued ID and confirmation of breach involvement.

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 2025-07-28 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: PA

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$6600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$840.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$840.00} XXXX  Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: SOFI TECHNOLOGIES, INC.
State: VA

Complaint narrative:
I deposited a check for {$640.00} on XX/XX/XXXX via the mobile check deposit feature on SoFi. Absolutely no where was it listed during the uploading process that I needed to write anything ( other than my signature ) on the check. I found out afterwards that mobile deposit only for SoFi was required through an article that was never referenced during the initial upload. I followed the instructions given to me by the app at the time of upload. 

The first email I received was that {$220.00} would be available on XX/XX/XXXX and the rest a couple of business days later. On XX/XX/XXXX, I received an email stating that {$420.00} would be available on XX/XX/XXXX. I am horrified by this prolonging of access to my funds through ridiculously long processing times. I have rent due on XX/XX/XXXX and this situation is causing me undue stress. I have never, and will never, engage in fraudulent activity. My account is not new and I have deposited checks in the past. This bank is supposed to be quick and reliable, but even customer service support has openly told me they are not familiar with mobile check deposit services. Ive spoken with these representatives on XX/XX/XXXX and XX/XX/XXXX, and I left each conversation more confused than I had entered it. 

In summary, the online uploading prompts when actively capturing data for mobile check deposits DOES NOT tell you to write an additional endorsement. If it had been mentioned during the uploading process, of course I would have written that on the check, but I did not know I was supposed to! And secondly, no agent at SoFi has said anything substantial, I have been referred to other departments or given generic ( non personal, just broad statements ) advice from representatives who are not familiar with a key part of their online banking institution. I need the funds from the check to be released sooner, as I have exactly followed the prompts provided to me at the time of upload.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: COMMERCE BANK
State: MO

Complaint narrative:
I previously had a checking account with Commerce Bank that is now closed. This account was still connected to my XXXX XXXX account. On XX/XX/XXXX, I withdrew {$1100.00} dollars from my XXXX  account that went to the closed commerce bank account. On XX/XX/XXXX, XXXX said the transaction was completed and sent to commerce bank. On XX/XX/XXXX I noticed the money went to the Commerce Bank account instead of my current bank account. 

I went into Commerce Bank to discuss this. They called a number and the person stated that a portion of the money went to pay off the account and that they would be mailing me a cashiers check for around XXXX dollars. I updated my address with the banker and was assured the check would be sent to this address in about a week. 

On XX/XX/XXXX I visited Commerce Bank again. I was told they sent the check to a past address and there was nothing they could do and I updated my address with them again. This time I actually received an email confirmation my information was changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Complaint Summary This is a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) against Comenity Bank XXXX XXXX XXXX for furnishing inaccurate, unverifiable, and potentially obsolete account information to one or more major credit bureaus. The account below is being reported without legal validation and continues to harm my credit profile in violation of federal law. 
Account Details Creditor or Collector : Comenity Bank XXXX XXXX XXXX Account Number ( masked ) : XXXX XXXX XXXX XXXX XXXX Balance : Reported as {$840.00} on XXXX bureau, {$780.00} on another Issues Identified : Balance discrepancies and failure to validate debt with any supporting documentation. No signed contract exists. 
Legal Violations & Definitions FCRA 1681e ( b ) : Requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. FCRA 1681s-2 ( b ) : Mandates that furnishers of information must investigate disputes when notified by a consumer reporting agency and correct any inaccuracies. FCRA 1681c ( a ) ( 4 ) : Prohibits reporting of accounts that have been placed for collection or charged off more than 7 years from the date of first delinquency. FCRA 1681i ( a ) : Requires a reinvestigation of any disputed information if a consumer notifies a consumer reporting agency directly. FCRA 1681n : Provides for civil liability for willful noncompliance with any requirement of the FCRA. FDCPA 809 ( b ) : Requires debt collectors to provide validation of debt within 30 days of a written request or cease collection efforts.

Requested Resolution Immediately delete this account or provide full debt validation. Reporting must stop if legal proof of the debt can not be furnished. 

This account continues to damage my ability to secure stable housing and employment. I am demanding immediate deletion, full documentation, and total compliance with federal law. 
Failure to respond will result in further legal escalation, including complaints to additional regulatory bodies.

Company response to consumer: Closed with non-monetary relief