vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-21 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:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX Date of Birth : XX/XX/XXXX Last 4 of SSN : XXXX Date : XX/XX/XXXX To Whom It May Concern, I am formally disputing the accuracy, completeness, and verifiability of the following accounts that are currently appearing on my consumer credit report. 

After a thorough review of my credit file, I have determined that the accounts listed below are being reported in a manner that is misleading, inaccurate, and/or not fully verifiable. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), any information that can not be verified as 100 % accurate and complete must be deleted from my credit report. 



Disputed Accounts for Deletion XXXX  XXXX ( Multiple entries reported ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Reported as Paid/Closed ). XXXX Bank ( Reported as Paid/ Closed ) These accounts are disputed because one or more of the following conditions apply : The information reported is incomplete or misleading The accounts can not be verified with original, competent documentation The reporting contains duplicate entries and inconsistencies The accounts are being reported in a manner that continues to cause adverse impact The data does not meet the standard of maximum possible accuracy Legal Authority Requiring Deletion 15 U.S.C . 1681e ( b ) Requires consumer reporting agencies to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) Requires a reasonable reinvestigation of disputed information 15 U.S.C. 1681i ( a ) ( 5 ) Requires deletion of any information that can not be verified If you are unable to verify each account listed above with documented evidence, including but not limited to the original agreement, full payment history, and proof of reporting authority, the law requires that these accounts be deleted in their entirety, not updated, re-aged, or reclassified. 



Formal Demand I am requesting that you : 1. Conduct a full and lawful reinvestigation of each account listed above 2. Delete all accounts that can not be verified as accurate, complete, and current 3. Ensure that any deleted account is not reinserted without proper written notice, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Please provide written confirmation of deletion along with an updated copy of my credit report reflecting these removals. 

This letter is not an acknowledgment of any debt, nor is it a refusal to pay. It is a lawful demand for the removal of inaccurate and unverifiable credit reporting. 

Failure to comply may result in further action to enforce my rights under federal law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 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: WA

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 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: Experian Information Solutions Inc.
State: MS

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 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 2025-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, an unauthorized transaction in the amount of {$750.00} was sent from my Cash App account to a recipient I did not authorize. I discovered the transaction shortly after it occurred and contacted Cash App the same day to report it. 

Cash App opened an investigation and marked the transaction as under review. I requested recovery of the funds and information regarding the investigation, but the funds have not been returned. The recipient has refused to return the money. 

Cash App stated that peer-to-peer payments are generally final ; however, this transaction was not authorized. I am requesting that Cash App conduct a proper review of this unauthorized transaction and return the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX Coinbase placed a lock on my account preventing me from accessing my funds, I immediately reached out to multiple customer service agents who said they werent able to tell me why this had happened, but they EXTENDED the lock from one week to an entire month. At this point I wont be able to access my money until XX/XX/year> at the earliest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: CITIBANK, N.A.
State: NC

Complaint narrative:
XX/XX/XXXX : Merchant ( XXXX XXXX XXXX ) mistakenly posted 5 charges of {$190.00} for a single purchase of {$190.00} across two credit cards. Started complaint with merchant but no reply. 
XX/XX/XXXX : Initiated dispute with Citi Bank for three erroneous charges. Provided thorough and clear documentation : -Invoice that shows a single booking and the non-citi card that the booking was paid with.

-Credit card statement from other card showing it was paid.

-Communication from the merchant confirming that a single tour was booked and the other charges were duplicates. 
XX/XX/XXXX : Citi Bank closed the dispute without contacting the merchant. 
Called citi reps 5 times ( I have recordings ) and all agreed that this case seems simple and should have been resolved in my favor and they will request to reopen the case. 
XX/XX/XXXX : Citi requested more information on the closed case. 
XX/XX/XXXX : Provided the requested information, and once again spoke to citi reps who confirmed the evidence I have provided is sufficient and verbal contract that the case will be reopened ( I have recordings ). 
XX/XX/XXXX : Documentation ignored, case reclosed without contacting the merchant. Called citi rep AGAIN and they told me " I don't know why the case worker isn't reading our notes ''.

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 monetary relief
Consumer complaint received 2025-12-21 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: MI

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 non-monetary relief
Consumer complaint received 2025-12-21 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: NJ

Complaint narrative:
Company complained about : Equifax Account name : XXXX XXXX XXXX Account number : ending XXXX Equifax is reporting an inaccurate balance on my XXXX XXXX XXXX credit card account ending in XXXX and has failed to correct the error despite multiple disputes and clear documentary proof. 

For the XX/XX/2025 billing cycle, the official XXXX XXXX statement shows a {$0.00} statement balance for the XXXX account ending XXXX. The balance that briefly appeared mid-cycle ( approximately {$950.00} ) was paid immediately and did not carry to the statement balance. There is no amount due, and the account is paid in full.

Despite submitting the statement showing a {$0.00} balance, Equifax has closed three separate disputes by marking the information as verified, without correcting the reported balance. This is inconsistent with the facts and with the actions of the other credit reporting agencies. XXXX  and XXXX  both updated t

his same account to reflect the correct {$0.00} balance. Equifax is the only bureau continuing to report the incorrect amount. Equifaxs repeated verification appears to rely solely on automated furnisher responses and does not constitute a reasonable reinvestigation as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Equifax has failed to properly consider the documentation I provided, including the official XXXX XXXX statement confirming the {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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:
XXXX  # XXXXXXXX 
Status - Charged off, closed, closed date XXXX Bureaus - All 3 Different reporting dates across bureaus ( TransUnion & Experian show " closed due to inactivity, '' Equifax shows " disputed - reinvestigation in progress '' ). A Possible FCRA 623 ( a ) ( 2 ) violation if data not consistent. 



XXXX  # XXXX... 
Status - Closed, closed date XXXX 30-day late Bureaus -All 3 Late dates differ slightly ( TransUnion XX/XX/year> vs. Experian XX/XX/year> ). A Possible reporting inconsistency. 


XXXX  XXXX # XXXXXXXX. 
Status -Charged off, closed date XXXX Bureaus - All 3 Marked as " disputed '' with different notations across bu-reaus. A FCRA violation if reinvestigation not updated equally across all. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status - Collection Bureaus- All there Progressive collection shows different statuses ( Trans-Union - `` open/disputed FCRA compliant, '' Experian - XXXX closed/disputed, '' Equifax - " disputed not satisfied '' ) XXXX 
* * FDCPA 807 ( 8 ) * * & * * FCRA 611 ( a ) ( 5 ) ( A ) * * violation possible - disputes must be consistent and marked as " in dispute '' on all bureaus during investigation.

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 2025-12-21 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX  # XXXXXXXX 
Status - Charged off, closed, closed date XXXX Bureaus - All 3 Different reporting dates across bureaus ( TransUnion & Experian show " closed due to inactivity, '' Equifax shows " disputed - reinvestigation in progress '' ). A Possible FCRA 623 ( a ) ( 2 ) violation if data not consistent. 



XXXX  # XXXX... 
Status - Closed, closed date XXXX 30-day late Bureaus -All 3 Late dates differ slightly ( TransUnion XX/XX/year> vs. Experian XX/XX/year> ). A Possible reporting inconsistency. 


XXXX  XXXX # XXXXXXXX. 
Status -Charged off, closed date XXXX Bureaus - All 3 Marked as " disputed '' with different notations across bu-reaus. A FCRA violation if reinvestigation not updated equally across all. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status - Collection Bureaus- All there Progressive collection shows different statuses ( Trans-Union - `` open/disputed FCRA compliant, '' Experian - XXXX closed/disputed, '' Equifax - " disputed not satisfied '' ) XXXX 
* * FDCPA 807 ( 8 ) * * & * * FCRA 611 ( a ) ( 5 ) ( A ) * * violation possible - disputes must be consistent and marked as " in dispute '' on all bureaus during investigation.

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 2025-12-21 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: Chime Financial Inc
State: IN

Complaint narrative:
On XX/XX/year>, someone got into my XXXX account online and made two in store purchases in Connecticut. The two transactions are {$130.00} each totaling {$270.00} they were made at XXXX and XXXX EST. I called XXXX customer service three times in the past ten days, and XXXX will not let me talk to the fraud department. I have also called Chime the card issuer and filed a dispute twice, and they have denied both of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I asked XXXX  if I opened account and got money transfer for emergency would I get someday. They said yes. False. Sent XXXX on XXXX. Now on XX/XX/year> and still no money. Got test transfer for XXXX $ less than 10 minutes later from same sender and received it instantly. After first onee had been put on hold from same sender. No communication, emails, calls for 21 days. Apps is not navigational, have not been able to contact. Sender did have contact and was told they didn't have to have a reason to hold, would not reverse and became silent for 21 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Hello I am a XXXX XXXX can not work can't even stand up i only get XXXX check which takes all of it just to meet my monthly obligations only no xtrad

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1200.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX  Balance : {$3300.00}

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 2025-12-21 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: LA

Complaint narrative:
I am submitting this complaint to formally request the immediate blocking and deletion of fraudulent accounts appearing on my credit report, which were created using my personal information compromised in the XXXX data breach. Despite submitting a detailed dispute letter to the credit bureauincluding proof of identity theft, a list of unauthorized accounts, and personal identifiersthey have failed to take appropriate action within the timeframe required by the Fair Credit Reporting Act ( FCRA ) 1681c-2 ( a ). These fraudulent accounts continue to harm my credit profile and violate my rights under federal law. I am asking the CFPB to investigate this matter and compel the bureau to permanently remove the disputed items, provide written confirmation of the actions taken, and ensure full compliance with the FCRA and other applicable consumer protection statutes. This issue poses an ongoing threat to my financial security and demands urgent resolution. 
1. Identity Theft XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Please remove it from 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 non-monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: VI

Complaint narrative:
I file a report with CFPB against Exeter Finance to remove inaccurate information off of my account and they removed everything else besides late payments and still reported delinquency with a XXXX balance on my account.

Account status inaccurate Balance is XXXX but account reported as delinquent False statements or representations Information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Hello I am a XXXX XXXX can not work XXXX XXXX XXXX XXXX i only get XXXX check which takes all of it just to meet my monthly obligations only no xtrad

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 2025-12-21 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: WA

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-12-21 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: WA

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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