vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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: ProCollect, Inc.
State: TX

Complaint narrative:
Complaint against the XXXX XXXXXXXX XXXX XXXX XXXXXXXX inaccurate eviction reporting I am filing this complaint against XXXX XXXXXXXX XXXX XXXXXXXX and unlawfully reporting an eviction on my credit report in violation of multiple consumer protection laws. This eviction is being reported inaccurately and without proper documentation or legal authority. 
Violations committed : XXXX. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i & 1681s-2 ( b ) The furnisher failed to conduct a reasonable investigation after I disputed the eviction. 
The information continues to be reported despite being unverifiable and misleading. 
This inaccurate reporting has negatively affected my credit score and my ability to obtain credit. 
XXXX. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e The creditor/collection agency is using false, deceptive, and misleading representations regarding my alleged debt. 
Reporting an eviction that is inaccurate or not legally substantiated constitutes a deceptive practice. 
Additional details/ Supporting facts : I have never been legally evicted from the property in question. 
I have requested proper documentation and verification of this eviction multiple times, but the furnisher has failed to provide any legal proof. 
The continued reporting of this eviction is causing financial and emotional harm. 
Requested resolution : Immediate removal of the inaccurate eviction from all credit reporting agencies.

Written confirmation that the eviction has been removed.

Assurance that the furnisher will not report unverifiable or inaccurate information in the future. 
I certify that the information provided in this complaint is true and accurate to the best of my knowledge. 
Signature / Name : XXXX XXXX Date XXXX XXXXXX/XX/year>

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 2025-09-10 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: GA

Complaint narrative:
Hi, So I disputed negative inaccurate reporting accounts on my Experian Consumer report and i have yet to receive a response. I've asked them to validate and verify the accounts that are reported inaccurately under FCRA 15 U.S.C. 1681i section 611 requires that credit agencies to investigate disputes within 30 days and remove inaccurate information or correct it. I have disclosed to Experian that i have been apart of many data breaches XXXX data breach and XXXXXXXX XXXX just to name a couple which has put my information at possibly identity theft. and I see accounts that I do not recognize. It has been well over 30 days and this is my final attempt to get them to comply with the FCRA laws that all information that is being reported to them should be accurate and in completeness. I have attached my ID, SSN, A BILL and information showing that I was apart of a many data breaches.

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 2025-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

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 2025-09-10 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: TX

Complaint narrative:
This is a formal follow-up regarding my previous disputes concerning the fraudulent accounts appearing on my credit report. I did not authorize these accounts, and their continued reporting constitutes a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Despite months of disputes and the submission of supporting documentation, including my FTC Identity Theft Report, these false and inaccurate entries remain on my report. The FCRA requires that consumer reporting agencies ensure maximum possible accuracy. Your failure to remove these fraudulent accounts after receiving proper notice and documentation raises serious compliance concerns.

I demand immediate corrective action to permanently delete these accounts from my credit file without further delay. If these accounts are not removed promptly, I will have no choice but to escalate this matter, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing all other remedies available under the law.

This is your final opportunity to comply before further action is taken.

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 2025-09-10 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: TX

Complaint narrative:
This is a formal follow-up regarding my previous disputes concerning the fraudulent accounts appearing on my credit report. I did not authorize these accounts, and their continued reporting constitutes a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Despite months of disputes and the submission of supporting documentation, including my FTC Identity Theft Report, these false and inaccurate entries remain on my report. The FCRA requires that consumer reporting agencies ensure maximum possible accuracy. Your failure to remove these fraudulent accounts after receiving proper notice and documentation raises serious compliance concerns.

I demand immediate corrective action to permanently delete these accounts from my credit file without further delay. If these accounts are not removed promptly, I will have no choice but to escalate this matter, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing all other remedies available under the law.

This is your final opportunity to comply before further action is taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in XXXX XXXX XXXX ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 

Thank you for addressing this matter promptly. I kindly request a written response detailing the results of your investigation within XXXX  days, as required by the FCRA. If any item remains unchanged, please provide the name and contact information of the entity that verified its accuracy.

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 2025-09-10 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: FL

Complaint narrative:
I am deeply concerned and distressed by the presence of inaccurate information and unauthorized negative accounts and inquiries on my credit report. I have no connection to these accounts or inquiries, and I have never given permission for them. This erroneous and harmful information is severely affecting my credit profile and financial standing. I urgently request that these accounts and inquiries be permanently removed to ensure the accuracy and integrity of my credit history. The fraudulent items are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-09-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
A check was deposited on XX/XX/year> in the ATM inside the bank doors. On XX/XX/year>, XXXX reversed the deposit. I was never notified or alerted. Luckily, on XX/XX/year> I checked my account. There were XXXX transactions that had taken place. I immediately called Chase and the man who spoke very bad XXXX, told me it was returned because there was an endorsement issue. When I asked what the issue was he said he didn't know. I told him I would go pick up the check and cash it at XXXX XXXX. He told me I could not pick up the check but would receive an electronic check in XXXX days. I told him I couldn't wait that long for my paycheck. He told me he could not help me. I told him to send it to me overnight mail, again, he told me he couldn't. He suggested I go in person to the bank and they would help me. My wife and I took off work and went to the bank branch the check was deposited. They refused to help us. At XXXX point they argued with us when we told them it gave us a fake bank balance and it was misleading. I asked how many people did they do this to and charge them overdraft fees? If I had been tight, I would have incurred XXXX x {$35.00} dollars each totalling {$420.00} dollars in over draft fees. NOT including the fees by the merchants. I asked them if this was a scam and the reason they didn't tell us or make any attempt to notify us is because we wouldn't know we were incurring these fees. I demanded our check back and told them the man at Chase told us to come to the bank and they would help us in person. The bank lady told us he only said that to get me off the phone and not deal with me. I sincerely believe this is purposefully done to get extra money from unsuspecting customers. For several months we have deposited a check every Friday/Saturday and make several purchases throughout the weekend. It was the same name on the check, from the same business account, same signature with " For deposit only '' printed on the back. Nothing was different this week. There is no reason this was all of a sudden " Flagged ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: OH

Complaint narrative:
On XX/XX/year>, around XXXX AM, XXXX unexpectedly froze deposits and withdrawals in my XXXX XXXX account. I continue to see my XXXX balance in the app ( approximately XXXX XXXX, worth about {$30000.00} USD at the time ), but I am unable to access or transfer it. 

I immediately contacted support. XXXX responded that they would no longer support me as a customer, citing their right to close accounts under their terms and conditions. They stated this was a final decision and refused to provide any specific explanation. 

I followed up on XX/XX/XXXX requesting : XXXX The specific reason my crypto account was restricted. 
XXXX Confirmation that my crypto assets remain securely held. 
XXXX A process and timeline for restoring access or liquidating/transferring my holdings. 

XXXX replied on XX/XX/year>, saying they could not disclose details of the decision but suggested I liquidate or transfer my assets. However, those options are not available in my account I can not sell, transfer, or withdraw my crypto holdings. 

At this time : My XXXX accounts XXXX open and accessible, but my crypto account remains locked. 
I have received no definitive justification for the freeze. 
I have no way to access, transfer, or liquidate my crypto balance despite XXXX directing me to do so. 

This situation is unacceptable. I am an honest customer who has not violated any rules or laws, yet I have been denied access to my legally purchased assets with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am disputing late payment information reported by Capital One regarding my Kohls credit card account ( ending in XXXX ) The Kohls card was issued by Capital One, but this was not clearly disclosed at the time of use. I made multiple payments directly at Kohls department stores in good faith, believing those payments satisfied my account. Unfortunately, because of the third-party arrangement, those payments were not properly applied to my Capital One account, and late payments were reported to the credit bureaus. 

This was not negligence on my part. I acted responsibly and attempted to pay on time, but the payments were misdirected due to the lack of clear instructions regarding Capital Ones role as the true creditor. Once I discovered the issue, I corrected it immediately and have since paid the account in full ( balance is {$0.00} ).

I respectfully request that Capital One remove the late payment notations from my credit reports, as they are the result of misapplied payments and not intentional delinquency. These negative marks are harming my credit unfairly despite my good-faith efforts to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: TX

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: LA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: WV

Complaint narrative:
Someone hacked my cash app and withdrew {$6200.00} to their bank account. My cash app account had subsequently been closed for fraud. 

Yes, this was a case of fraud, but cash app is refusing to reimburse the amount that was stolen from my cash app account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-09-10 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-09-10 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: PA

Complaint narrative:
Please remove these items from my Credit report : - ADDRESSES : - XXXX PALM XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX PA XXXX ACCOUNTS : - XXXX  INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had not checked my Credit report in a long time. I went to the bank and was informed of these items. This is identity theft and a nightmare.

Company response to consumer: Closed with non-monetary relief