vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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: Zip Co US Inc.
State: TX

Complaint narrative:
I have tried and tried to resolve this issue I showed them the proof of the card and the assigned card associated with the order, chatted emailed called and nothing. They say they will escalate and nothing. The company isnt training there reps to understand tap and pay or XXXX XXXX and how it reassigns a card number to the order when u use your phone with tap and pay XXXX wallet. This has gone on for over a year, I am tired of fighting with them and hope you can help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: NC

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 


Account Details in Dispute : XXXX. XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX - XXXX. XXXX XXXX XXXX Account Number : XXXX - XXXX. XXXX XXXX XXXX Account Number : XXXX - XXXX. XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am being contacted by debt collectors regarding an alleged debt. I requested validation under the Fair Debt Collection Practices Act, but they failed to provide documentation proving I owe the debt ( such as the original creditor, itemized statement, or signed agreement ). Despite this, they continue collection efforts and/or credit reporting. I am requesting CFPBs assistance in having the collector either validate the debt properly or cease all collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc.
State: IN

Complaint narrative:
On XX/XX/year> I received a transfer of {$500.00} to my account, however it was sent to a tether account instead of etherum I reached out to blockchain they said they will recover it in 3-4 weeks, for 10 % I agreed funds was recovered the second day but it took them six months to credit my account and they took their 10 %. I logged into my account to transfer the funds but for some reason they said my identity could not be verified, even though its been verified for over five years, I tried to click on it to re verify but it keeps saying could not verify identity. I emailed them on XX/XX/XXXX ( ticket number XXXX ) they said it would be reviewed as soon as possible still nothing. I have since then sent them several emails but keep getting the same reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: IN

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: OR

Complaint narrative:
I had a dispute with Mr. Cooper about their requirement for flood insurance on a condo I own in XXXX XXXX, OR. The XXXX had a master policy with flood insurance. That policy was good the prior year. 

Apparently it wasn't renewed in a timely manner by the XXXX THat got resolve as of XXXX. All documents were sent to Mr. Cooper throughout the months of phone calls and communication with them. 

On or about XX/XX/XXXX I was sent a letter saying that the flood policy that they unilaterally purchased would be cancelled and I would be refunded the remainder to escrow. 

Then just today ( XX/XX/XXXX ), I got a letter dated XX/XX/XXXX stating that there was NOT adequate flood coverage on the property. But I had previously been given express indication on a phone call with Mr. Cooper on XX/XX/XXXX that the flood insurance issue was resolved. On XX/XX/XXXX, I spoke with XXXX XXXX ( Extension # XXXX ) about the issue and I was assured that everything was handled. 

The XX/XX/XXXX and XX/XX/XXXX letters are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am being contacted regarding an alleged debt. I requested validation under the Fair Debt Collection Practices Act, but they failed to provide documentation proving I owe the debt ( such as the original creditor, itemized statement, or signed agreement ). Despite this, they continue collection efforts and/or credit reporting. I am requesting CFPBs assistance in having the collector either validate the debt properly or cease all collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am being contacted regarding an alleged debt. I requested validation under the Fair Debt Collection Practices Act, but they failed to provide documentation proving I owe the debt ( such as the original creditor, itemized statement, or signed agreement ). Despite this, they continue collection efforts and/or credit reporting. I am requesting CFPBs assistance in having the collector either validate the debt properly or cease all collection activity.

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 2025-09-24 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: MOHELA
State: MS

Complaint narrative:
Mohela issued me a loan without my knowledge or consent. Someone electronically signed for a loan that I did not authorize or wantXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was never called about this loan repayment. I only found out about it because they called my mom and she picked up, Mohela didn't even have my phone number so I didn't know about this fraudulent loan. I got in contact with Mohela and neither XXXX nor the Federal Student Aid nor my former university can find any proof that I applied or took out that loan. They have no paperwork or proof because I did NOT take out this loan. It was without my knowledge or consent and it has now ruined my credit

Company response to consumer: Untimely response
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing this CFPB complaint because I filed two claims with Bank of America on XX/XX/2025 ( Claim IDs : XXXX and XXXX ). Both were closed without a proper investigation. 

I specifically requested documentation from the merchant to verify the validity of the charges, yet no evidence was providedbecause the merchant never supplied any, and I am 100 percent certain of this as I never did business with them. This is unacceptable and frankly disgusting. I demand the documents that supposedly prove these charges are valid FROM THE MERCHANTS, as well as the required provisional credit in the meantime. Despite the complete lack of supporting evidence, the bank still deemed the charges authorized. This conclusion is illogical and shows a clear lack of due diligence. 

I have already filed a complaint with the State Attorney Generals Office and am prepared to pursue this matter to the fullest extent to recover my funds. This involves a significant amount of money that I urgently need returned. 

Additionally, I never received provisional credit, which further violates consumer protection standards. The handling of this case by Bank of Americas fraud department has been unacceptable, and I expect immediate action to return my hard-earned funds.

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
To Whom It May Concern, I am writing to report fraudulent inquiries that appeared on my credit reports. I had no knowledge of these inquiries and did not authorize them. These hard inquiries were made without my consent and must be removed immediately under the Fair Credit Reporting Act. 
The unauthorized inquiries are : XXXX XXXXXXXX XXXX  XXXX XX/XX/year> ( Equifax ) XXXX XXXX XX/XX/year> ( TransUnion ) XXXX XXXX XX/XX/year> ( Experian ) XXXX XXXXXXXX XXXX XXXXXX/XX/year> ( Experian ) I am a victim of identity fraud. Please investigate this matter, remove the above-listed inquiries from my credit file, and prevent further fraudulent activity associated with my personal information. 
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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
To Whom It May Concern, I am writing to report fraudulent inquiries that appeared on my credit reports. I had no knowledge of these inquiries and did not authorize them. These hard inquiries were made without my consent and must be removed immediately under the Fair Credit Reporting Act. 
The unauthorized inquiries are : XXXX XXXXXXXX XXXX  XXXX XX/XX/year> ( Equifax ) XXXX XXXX XX/XX/year> ( TransUnion ) XXXX XXXX XX/XX/year> ( Experian ) XXXX XXXXXXXX XXXX XXXXXX/XX/year> ( Experian ) I am a victim of identity fraud. Please investigate this matter, remove the above-listed inquiries from my credit file, and prevent further fraudulent activity associated with my personal information. 
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 2025-09-24 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:
I sent disputes to the 3 bureaus, several times starting the month of XXXX this year continuously. I created identity theft report attached it to my dispute letters, along with the copy of my Driver 's license, proof of my address and even my social security card. I recently checked my credit report and those accounts I've disputed, requested to be removed from my credit report for the reason that those are not mine, were still showing on my 3 bureau reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have identified late payment entries on my credit report that I believe are incorrect. According to 15 USC 1681e ( b ) and 15 USC 1681i, my credit report must only contain information that is accurate, complete, and verifiable. I am requesting that these late payment entries be verified, and if they can not be confirmed, I ask that they be corrected or removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I noticed the issue XX/XX/year>, when I attempted to purchase a vehicle, where I was denied, which led me to check my credit report where I seen accounts that I never had knowledge off nor authorized. I did not provide written permission or instructions for the identified transactions to be reported to the credit report. I am requesting that the reporting of this information be blocked and deleted. My request to delete is being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not related to any transaction by me the consumer. My consumer rights are being violated due to them reinserting accounts on my profile that have been deemed unverifiable. Under the law 15 USC 1681B & 15 USC 1681C-2 I shouldnt be held responsible because they shouldnt be furnishing any accounts thats open to identity fraud nor did I authorize permission to do so. 

Amex ac # XXXX Amex ac # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Moore Law Group
State: NM

Complaint narrative:
I received a letter about my debt on XX/XX/year>. I wrote to the Moore Law Group on XX/XX/year> asking to settle the debt. I sent this letter via certified mail. I sent with the letter a return confirmation signature that they signed. I again sent a letter on XX/XX/year> to settle my debt. I sent this letter with a return confirmation signature that they returned signed. In between the two letters, they never attempted to contact me via phone, email, or letter. I received a notice today, XX/XX/year>, that they filed a lawsuit against me to collect the debt. I would like to file a complaint against them for lack of communication. I tried to contact them because I read online that they do this to people quite often. I hope that something can be done to hold this law firm accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
They closed my account around XX/XX/XXXX with no warning. I had in total XXXX dollars in the account, I called maybe XXXX times each given the excuse of they dont know or just wait XXXX days. Its been over XXXX and still I called XX/XX/XXXX, today and they said to wait another XXXX this is ridiculous please help this was my rent money for XXXX and I wasnt able to pay it.

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 2025-09-24 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: TN

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