vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 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: CA

Complaint narrative:
CFPB COMPLAINT INACCURATE COLLECTION REPORTING ACROSS ALL CREDIT BUREAUS Company : XXXX XXXX XXXX Credit Bureaus : Experian, XXXX, XXXX  Alleged Original Creditor : Affirm Amount : {$760.00} Complaint Description I am filing this complaint regarding inaccurate and unverified credit reporting by XXXX XXXX XXXX across all three major consumer reporting agencies ( Experian, XXXX and XXXX  ). 

XXXX XXXX XXXX is reporting a collection account allegedly originating from XXXX. I have never opened, authorized, or held any account with XXXX, nor have I entered into any agreement that would give rise to this alleged debt. 

Despite this, XXXX XXXX XXXX is furnishing negative credit information without providing competent evidence that : 1. A valid contractual obligation exists 2. The alleged debt belongs to me 3. XXXX XXXX XXXX lawfully owns the debt 4. They have authority to furnish this information to consumer reporting agencies By reporting this account across all credit bureaus without verification, XXXX XXXX XXXX is violating the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which requires accuracy, completeness, and reasonable investigation of disputed information.

Furthermore, continued reporting of an unverified debt constitutes a violation of the Fair Debt Collection Practices Act (
15 U.S.C. 1692 ). 

Requested Resolution I am requesting : Immediate deletion of this account from Experian, XXXX and XXXX  Written confirmation that the account has been permanently removed Copies of any documentation XXXX XXXX XXXX relies upon to assert this account is valid If XXXX XXXX XXXX can not produce full validation, this account must be deleted immediately.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
CFPB COMPLAINT INACCURATE COLLECTION REPORTING ACROSS ALL CREDIT BUREAUS Company : XXXX XXXX XXXX Credit Bureaus : XXXX, Equifax, XXXX  Alleged Original Creditor : Affirm Amount : {$760.00} Complaint Description I am filing this complaint regarding inaccurate and unverified credit reporting by XXXX XXXX XXXX across all three major consumer reporting agencies ( XXXX, Equifax, and XXXX  ). 

XXXX XXXX XXXX is reporting a collection account allegedly originating from XXXX. I have never opened, authorized, or held any account with XXXX, nor have I entered into any agreement that would give rise to this alleged debt. 

Despite this, XXXX XXXX XXXX is furnishing negative credit information without providing competent evidence that : 1. A valid contractual obligation exists 2. The alleged debt belongs to me 3. XXXX XXXX XXXX lawfully owns the debt 4. They have authority to furnish this information to consumer reporting agencies By reporting this account across all credit bureaus without verification, XXXX XXXX XXXX is violating the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which requires accuracy, completeness, and reasonable investigation of disputed information.

Furthermore, continued reporting of an unverified debt constitutes a violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ). 

Requested Resolution I am requesting : Immediate deletion of this account from XXXX, Equifax, and XXXX  Written confirmation that the account has been permanently removed Copies of any documentation XXXX XXXX XXXX relies upon to assert this account is valid If XXXX XXXX XXXX can not produce full validation, this account must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: MI

Complaint narrative:
I opened up a credit card with Citi Bank. I used the card one time for a purchase of {$250.00} at my XXXX  office. I only used the card one time. Once I received the statement balance, the balance showed approx. {$430.00} in additional purchases that I did not authorize. I've disputed this with Citi Bank 3 times and they refuse to remove the charges.

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 2025-12-18 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-12-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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 am disputing the following accounts listed under my TransUnion report. These accounts are inaccurately reported, and I request they be corrected or removed if they do not meet the necessary reporting standards. 

Charged Off Accounts : XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$210.00} Inquiries : ( No details provided in this section ) Late Payments : 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 non-monetary relief
Consumer complaint received 2025-12-18 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: IL

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2025-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: PA

Complaint narrative:
XXXX XXXX  ( Now Cross Country powered by XXXX ), for the second time ( the previous time being XXXX years ago ), have used an incorrect tax amount based on an incorrect and outdated property assessment. Both times, the XXXX XXXX XXXXXXXX assessed my house at over $ XXXX, I immediately appealed, and both time the correct assessment was between $ XXXX and $ XXXX. 

They billed me incorrectly, and claim it is my job to let their escrow manager know what my taxes are, with a document from the XXXX XXXX XXXXXXXX with the tax amount ( not the property assessment amount ) on letterhead paper. 

On top of this they charged a late fee even thoigh I have been in communication with them days before the deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
I am filing a complaint against Cash App regarding their handling of my Regulation E debit card dispute for a {$180.00} transaction at XXXX XXXX that occurred on XX/XX/XXXX. 

Here is the timeline : On XXXX, I contacted the merchant by email to request a refund for a charge I believe is incorrect/unauthorized. They responded only that they would look into it. 

On XXXX, after no followup from the merchant, I emailed them again. They did not reply. 

On XXXX, I filed a dispute with Cash App through the app. 

On XX/XX/XXXX, Cash App denied the dispute without providing any reason or required explanation. 

I immediately appealed on the same day ( XX/XX/XXXX ). 

On XX/XX/XXXX, Cash App denied my appeal again and gave a message stating the decision was final, but again provided no explanation and no documentation of their investigation or what they relied on. 

Cash App failed to comply with several Regulation E requirements : 1. They did not provide a written explanation of their determination as required under 12 CFR 1005.11.

2. They did not provide copies of the documents they relied upon in making their decision, which is required under 1005.11 ( d ). 

3. They closed my dispute and my appeal without explaining what they reviewed, how they investigated, or what evidence they used. This violates the requirement for a reasonable investigation under Regulation E.

4. Cash App treated their decision as final, even though Regulation E requires access to documentation and a meaningful explanation.

After requesting documentation through Cash App Support, they stated they would compile the materials used in their review, which shows they had not provided the required information during their original or appeal determination. 

I am requesting the CFPBs assistance to : Require Cash App to provide a RegulationEcompliant investigation, Require them to provide the documents relied upon as the law requires, And issue a refund for the disputed {$180.00} if Cash App can not demonstrate that the transaction was authorized. 

Cash Apps handling of this matter has been noncompliant with federal law, and I need the CFPBs help to resolve it. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
PayPal - I have been unable to add funds to my PayPal balance from confirmed and verified debit cards and bank accounts for multiple weeks now to be able to use the PayPal XXXX XXXX. Customer service claims they are unable to remove deposit blocks on my account due to the safety of my account. I have multiple times reached out with no resolution other than canned responses of waiting XXXX hours, waiting for a system refresh, and trying alternate methods. They claim their system is unable to remove the blocks. Issue has been escalated multiple times over many weeks with no resolution provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: NC

Complaint narrative:
I am writing to dispute certain items on my credit report as of [ insert today 's date ]. The following accounts have been disputed for incorrect reporting under the Fair Credit Reporting Act ( FCRA ). 

Charged Off : XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$2100.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$650.00} Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XX/XX/XXXX Late Payment 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 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
my chase account was closed without no explanation I was just told they can't tell me the reason why someone did try and reach out telling me cfpb contacted them and XXXX was asked what the issue and also told she will look into this and give me a call back. I never received a call back up until now. I keep trying to call and no answers. also, I just try and contact them about releasing my number and email due to having issues using my XXXX account because I'm told chase has a block on my information i would like to have this matter address promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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:
I am not associated with these accounts ; they require removal within 15 days following USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: NRA Group, LLC
State: FL

Complaint narrative:
I have received frequent text messaging from National Recovery Agency for a medical bill from nearly XXXX  years ago and these messages have been sent up until after XXXX. I didnt know this debt existed as I havent received any correspondence in several years. They reported the debt to my credit report dropping my score significantly which should not be allowed considering their contact methods are outside of the legal timeframe of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: NY

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. So whenever the38668re is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-12-18 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: NY

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief