vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
Today, XX/XX/year> I received a message to come pick up junk cars ( thats what I do for my Business ) and I sent {$400.00} to the individual and then got blocked by the individual leaving no address of where the cars were. I would like a refund. I was scammed {$400.00}. I have tried requesting the money back and I have tried contact cash app support to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: GA

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 there 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: GA

Complaint narrative:
I am a consumer seeking to dispute certain information on my credit report that I believe to be inaccurate or incomplete. The following accounts are in dispute : Charged Off Accounts XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9600.00} XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Inquiries XXXX OF XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/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 XXXX XXXX XXXX - XX/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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope this message finds you well. I am writing regarding a collection account that was previously listed under my name and has been paid in full. The account information is Amount : {$450.00} Status : Paid in Full I want to sincerely thank your team for allowing me the opportunity to resolve this debt. Since paying off the balance, Ive been working diligently to rebuild and maintain strong credit. Im reaching out to kindly ask if you would consider removing this paid collection account from my credit reports with XXXX, XXXX, and Equifax as a gesture of goodwill. 

I completely understand that this account was reported accurately, but a goodwill adjustment would go a long way in helping me continue improving my credit profile and financial stability. 

Thank you for your time and understanding. I truly appreciate your consideration and any help you can offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: WV

Complaint narrative:
On XX/XX/year>, I sent a certified letter to Equifax, XXXX XXXX XXXX requesting accuracy and verifiability of negative items on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/year>, I mistakenly used a fraudulent website ( XXXX XXXX XXXX ) which pretends to be the XXXX website but is not. When I used the website, it asked for credit card information, which I gave and then immediately realized it was a scam. I contacted USAA immediately and let them know I was not authorizing any transaction from this website, but they said they could not stop it and would let it process but I could dispute it. I immediately filed a dispute and provided documentation showing I asked the merchant to cancel the transaction and that I did not authorize it. USAA never contacted me for additional information, and initially gave me a credit, but later reversed the credit and denied the dispute without explanation. During this time, I reported the fraudulent website company, XXXX XXXX, to the FBI, the XXXX XXXX XXXX, the FTC, and the Delaware Department of Justice since the company purportedly is run from Delaware. All of these organizations told me to file a dispute with my credit card company, USAA, and that USAA should allow me to reverse the charges from this fraudulent company. the Delaware Department of Justice also informed me that this company is not run out of Delaware but fraudulent pretends to do so. 
I contacted USAA again and asked them to re-open the dispute, and I provided them all of the information from the Delaware Department of Justice, the XXXX XXXX XXXX, and the FTC showing this is a fraudulent company. Additionally, I let USAA know that not only did I not authorize the transaction, but the website never provided the tour tickets that were supposedly purchased, so it was multiple levels of fraud at this point. USAA re-opened the dispute, but then closed it again without contacting me at all. 
Following this, I closed my credit card with USAA on XX/XX/year>. On XX/XX/XXXX, without notifying me or contacting me at all, USAA re-opened my credit card account, added the charge back to my credit account, and has begun charging me interest on this amount. I did not authorize USAA to re-open this closed account nor did I authorize the charge they added to my account which they are now charging me interest for. 
Please help me to get USAA to accept and acknowledge this fraudulent dispute and allow me to reverse this illegal charge, and to close this incorrectly re-opened credit account. Thank you for any and all help you can provide in this manner.

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 2025-11-11 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: CA

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of 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 explanation
Consumer complaint received 2025-11-11 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:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding multiple inaccurate, unverifiable, and unauthorized items being reported on my credit file by the credit bureaus ( Experian, XXXX, and XXXX  ) and their data furnishers. Despite my good standing and careful financial management, my report has been filled with wrong addresses, false charge-offs, inaccurate late payments, and unauthorized inquiries that do not belong to me and are damaging my credit profile. 
I am requesting a full investigation and enforcement action to ensure all items below are verified, corrected, or deleted as required under FCRA 602, 607 ( b ), and 611 ( a ). 
WRONG ADDRESSES : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX Wrong Address I have never lived or been associated with this address. Please delete it immediately. 
XXXX XXXX XXXX XXXX, XXXX, AL, XXXX Wrong Address This address does not belong to me. Remove it from my report. 
ACCOUNTS IN DISPUTE : XXXX XXXX Account # XXXX Open Date : XXXX XXXX, XXXX High Credit : {$300.00} Charge Off I have no knowledge of this account. Please verify or delete immediately under FCRA 611 ( a ). 
SUMMARY OF ISSUES These repeated errors have caused me financial hardship, emotional stress, and unfair damage to my reputation. I have already disputed these items with the credit bureaus, but no proper verification or correction was provided. Their failure to respond accurately or delete unverifiable information demonstrates willful noncompliance with federal law. 
I am requesting that the CFPB take the following actions : XXXX. Require all bureaus and furnishers to provide proof of verification for each disputed item. 
XXXX. Order deletion of any unverifiable or inaccurate entries. 
XXXX. Ensure compliance with FCRA standards for reinvestigation and accuracy. 
XXXX. Impose penalties if found in violation of consumer protection laws. 
ENCLOSURES : Copy of my valid ID Proof of address ( utility bill ) Copy of dispute letter sent to credit bureaus Thank you for your prompt attention to this matter. I trust that the CFPB will ensure accountability and compliance with the Fair Credit Reporting Act to protect my consumer rights.

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 2025-11-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
Dear CFPB, I am submitting this complaint regarding my mortgage, originally serviced by Bethpage Federal Credit Union, now doing business as FourLeaf Federal Credit Union. 

Background I entered into a repayment plan with XXXX XXXX to cure mortgage arrears. 

On or about XX/XX/year>, servicing of my loan was transferred from XXXX XXXX to XXXX XXXX ( the institutions own correspondence confirms this ). 

I never received any Notice of Servicing Transfer required under 12 C.F.R. 1024.33. 

On XX/XX/year>, a regularly scheduled paymentan internal XXXX transferwas returned with XXXX explanation that the account was frozen. 
This occurred within the 60-day protected period following the transfer, during which the new servicer was required to accept payments without penalty. 

Servicer Conduct FourLeaf has acknowledged the repayment plan exists in its system but has refused to honor it, claiming the plan was broken because of the returned payment. 

The servicer then sent me a letter dated XX/XX/year> stating no servicing errors occurred, yet offering no investigation details or supporting documentation, contrary to the requirements of 12 C.F.R. 1024.35 ( e ).

The dishonored payment was not due to insufficient funds or borrower errorit resulted solely from the servicers own account-conversion process during rebranding and sub-servicing transfer.

Despite my documented attempts to pay, they are treating my account as delinquent. Violations Alleged Failure to provide required transfer notice 12 C.F.R. 1024.33 ( b ).

Failure to maintain continuity of loss-mitigation efforts 1024.38 ( b ) ( 4 ).

Failure to accept payment within 60 days post-transfer 1024.33 ( c ).

Improper and conclusory no error response 1024.35 ( e ).

Harm to Borrower These errors disrupted an active repayment plan, caused unnecessary delinquency reporting risk, and created severe personal and financial distress while I have continuously maintained the funds to perform under the plan.

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 2025-11-11 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: NC

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX Date : XX/XX/year>2025 To : Consumer Financial Protection Bureau ( CFPB )XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX Subject : Dispute of Improperly Negative Reporting XX/XX/XXXXBANK / XXXXXX/XX/XXXXCREDIT CARD Dear CFPB, I am filing this complaint and dispute regarding the inaccurate and improperly negative reporting of my XXXX XXXX Bank XXXX XXXX XXXX Credit Card Account Number : XXXX Although the account is reported as Pays account as agreed, the manner in which the data is being furnished is negatively impacting my credit score and does not reflect an accurate or fair representation of my payment behavior. 
Specifically : XXXX. The credit limit reduction from {$5300.00} to {$1200.00} is reported inconsistently and without proper update dates across bureaus. 
XXXX. The balance amounts and payment dates differ among TransUnion, Experian, and Equifax, making it appear as if payments were missed or delayed. 
XXXX. These inconsistencies are causing the account to be interpreted as negative in automated scoring systems, despite my record of on-time payments. 
These practices violate several provisions of the Fair Credit Reporting Act ( FCRA ), including : XXXX ( b ) Failure to ensure maximum accuracy of the information reported. 
XXXX ( a ) Failure to reinvestigate disputed information. 
XXXX ( a ) ( XXXX ) Failure of the data furnisher ( XXXX XXXX Bank ) to correct incomplete or inaccurate information. 
I am requesting a reinvestigation of this account and a directive to XXXX XXXX Bank and all credit reporting agencies to : Correct all discrepancies in balance, payment date, and credit limit history. 
Remove or reclassify any negative or risk-related notations resulting from inconsistent data. 
Provide written confirmation of the corrections made within the XXXXday period allowed under federal law. 
If these inaccuracies are not resolved, I reserve my right to pursue further actions under FCRA XXXX for negligent or willful noncompliance. 
Attached are supporting copies of my credit reports showing the inconsistent and improperly negative reporting. 
Sincerely, 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 2025-11-11 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX Date : XX/XX/year>2025 To : Consumer Financial Protection Bureau ( CFPB )XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX Subject : Dispute of Improperly Negative Reporting XX/XX/XXXXBANK / XXXXXX/XX/XXXXCREDIT CARD Dear CFPB, I am filing this complaint and dispute regarding the inaccurate and improperly negative reporting of my XXXX XXXX Bank XXXX XXXX XXXX Credit Card Account Number : XXXX Although the account is reported as Pays account as agreed, the manner in which the data is being furnished is negatively impacting my credit score and does not reflect an accurate or fair representation of my payment behavior. 
Specifically : XXXX. The credit limit reduction from {$5300.00} to {$1200.00} is reported inconsistently and without proper update dates across bureaus. 
XXXX. The balance amounts and payment dates differ among TransUnion, Experian, and Equifax, making it appear as if payments were missed or delayed. 
XXXX. These inconsistencies are causing the account to be interpreted as negative in automated scoring systems, despite my record of on-time payments. 
These practices violate several provisions of the Fair Credit Reporting Act ( FCRA ), including : XXXX ( b ) Failure to ensure maximum accuracy of the information reported. 
XXXX ( a ) Failure to reinvestigate disputed information. 
XXXX ( a ) ( XXXX ) Failure of the data furnisher ( XXXX XXXX Bank ) to correct incomplete or inaccurate information. 
I am requesting a reinvestigation of this account and a directive to XXXX XXXX Bank and all credit reporting agencies to : Correct all discrepancies in balance, payment date, and credit limit history. 
Remove or reclassify any negative or risk-related notations resulting from inconsistent data. 
Provide written confirmation of the corrections made within the XXXXday period allowed under federal law. 
If these inaccuracies are not resolved, I reserve my right to pursue further actions under FCRA XXXX for negligent or willful noncompliance. 
Attached are supporting copies of my credit reports showing the inconsistent and improperly negative reporting. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: NC

Complaint narrative:
I have requested this debt to be settled. They were extremely crass in the way they handled the situation. 
On XXXX I called to settle for less and the company was condescending in how they spoke to me when trying to right a situation that was faulted from multiple years ago. There was no working with me to come to a solution, only pushing for money that I clearly do not have at this given moment. They attempted to make me feel less than for not being able to pay the full amount the gym claims even though I had taken the proper steps to cancel the gym membership and the gym would not accept the cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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 is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: CA

Complaint narrative:
Im beyond frustrated with the continued presence of false, damaging information on my Transunion credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make. As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part.

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 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have received communications regarding this account ( or it has appeared on my credit report ), but I have not been provided with sufficient documentation to validate the debt, including proof of the original amount owed, the original creditor, or SYNCB/HFTs right to collect on this debt.

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