vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: WI

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX  {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I am eager to set up a payment program with a reduced interest rate or settlement. 

I believe I have attempted in the past to reach out to the company in the past to set up a payment program but was not told very many options. 

I am currently a few months behind in my payments. On XX/XX/year> I attempted to log on to my portal to set up some type of payment program or agreement with the company. My card was deactivated and I had no way of requesting information or contacting them with ease like other credit card companies I have worked with in the past. I called the company 2 times that morning and logged my information that was requested and my account was not found.

When I finally got through to a support person on the phone, we had a hard time understanding each other. I gave them the last 4 of my account number and they still werent able to help me because my account wasnt found.

Thank you.

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
1. The account is currently being reported as 120 days late in XX/XX/year>. 
This is erroneous. According to my loan modification agreement, the effective date and first payment due date under the new terms was XX/XX/year>. 
2. I made my first payment on XX/XX/year>, in advance of the effective date, followed by my second payment on XX/XX/year>. These payments are documented in the official payment history provided by the servicer.

3. The lender did not require nor accept any scheduled payments prior to XX/XX/year>, meaning it is factually and legally impossible for me to have been 120 days late in XX/XX/year>. 
4. Additionally, subsequent payments ( XXXX, XXXX, and forthcoming XX/XX/year> ) have not been properly updated or reflected in the credit reporting.

Applicable Law and Violations FCRA 1681s-2 ( a ) ( 1 ) ( A ) : A furnisher may not report information that it knows or has reasonable cause to believe is inaccurate.

FCRA 1681s-2 ( b ) : Upon notice of dispute, the furnisher and the credit bureau must conduct a reasonable reinvestigation, correct, and update records.

FCRA 1681e ( b ) : Credit bureaus must follow reasonable procedures to assure maximum possible accuracy.

By continuing to report this account as delinquent prior to the effective modification date, the bureaus and furnisher are in violation of these provisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Im keep being charged multiple overdraft monthly fees and still charging me after I cleared my overdraft after depositing money into my account plz check and refund me my money thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-22 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:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal 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 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal Checking is harassing me and demanding money. I was a victim of fraud. Ive provided multiple documents showing obvious fraud. Ive attempted to work with them on several occasions to provide proof this transactions were fraud, they have no interest in listening to customers. Worst customer service ever seen by a bank. Drop the balance, or we will go to small claims court.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-22 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: NC

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) against inaccurate and unverifiable information being reported on my consumer credit file. The credit reporting agencies and furnishers are required under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) to ensure maximum accuracy of consumer information, yet multiple addresses and accounts appearing on my report are wrong, outdated, or unlawfully reported. These errors are damaging my creditworthiness, preventing me from accessing fair lending, and causing ongoing harm. I have never lived at the listed wrong addresses and the accounts in question either do not belong to me, are being reported inaccurately, or are in violation of federal law. I am requesting the CFPB to investigate and hold the bureaus and furnishers accountable for violating my consumer rights under FCRA, FDCPA, and related laws. 

Account XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance Owed : {$0.00} Late Payment * * Law : FCRA Section 609 ( a ) ( 1 ) ( A ) gives me the right to request the sources of the information being reported, and Section 611 ( a ) ( 1 ) ( A ) requires reinvestigation of disputed items.

Issue : The account is reporting late payments despite showing a {$0.00} balance, which makes this entry inconsistent.

Story : It is unreasonable for a {$0.00} balance account to still carry late payment reporting. This is contradictory and misleading to any potential lender who reviews my report. It creates the false impression that I failed to make payments even after the account was resolved. This type of reporting damages my credit profile unnecessarily and creates barriers to credit access. Since no balance exists, I request deletion of all negative late payment history associated with this account. 

I am requesting that the CFPB take immediate action to hold the credit bureaus and furnishers accountable. I demand deletion of all inaccurate addresses and removal or correction of the accounts that can not be properly verified according to federal law. The presence of these items is in violation of the FCRA and FDCPA, and they are causing financial harm, emotional distress, and blocking fair access to credit opportunities. I respectfully ask the CFPB to enforce compliance and ensure my consumer rights are fully protected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

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 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 2025-08-22 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:
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 non-monetary relief
Consumer complaint received 2025-08-22 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: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
On XX/XX/year>, I initiated a request to transfer my ROTH IRA Savings from Axos to XXXX  through XXXX XXXX transfer process. 

On XXXX, I contacted XXXX, and they informed me that they had mailed the required form to Axos on XXXX. When I reached out to Axos, they said they never received anything from XXXX. 

On XXXX, I asked XXXX to fax the form to Axos, and on XXXX, XXXX confirmed that it had been faxed. I followed up with Axos again on XXXX, and on XXXX, they reported they hadn't received the form. 

On XX/XX/year> XXXX sent a second fax to Axos. As of XX/XX/year>, Axos still has not transferred my funds to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
On XX/XX/year> I transferred {$50000.00} to a Capitol One 360 savings account. On XX/XX/XXXX I went through their personal security identification procedure to verify that I am the owner of the account, and the money was transferred to them. I was subsequently informed by voice message on XX/XX/XXXX that my money was not available for withdrawal and to call them. I called them XXXX times - XX/XX/XXXX they asked me to re-confirm my identity which I tried to do and they did not accept, XX/XX/XXXX was put on hold, XX/XX/XXXX I called and asked to speak to a manger and I was put on hold with no response for XXXX minutes. 

On XX/XX/XXXX I asked Them to return my money to my bank and they said they would not but would continue to hold it until they confirmed my identity. Meantime they have taken my deposit and are holding it without giving me access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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:
Inaccurate accounts continue to appear on my credit report, and they remain unremoved. For this reason, I am asking that the documents I have provided be checked thoroughly to ensure this issue is fully resolved once and for all.

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 2025-08-22 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: SC

Complaint narrative:
I was told by this creditor that I would receive a paid in full letter and the debts owed would be removed off of my credit report. this company did not do what they said they would do I paid the amounts that they kept threatening me to pay just to not tarnish my credit any further. But once I got in touch with the actual places I had the accounts with and checked my credit report I now see that I was charged amounts that werent even mine to begin with. because of the debts being older I was not aware. I was charged the wrong amounts and lied to about the services that would be receiving checked my credit report and I see that the same debts were sold again to new creditors who are now trying to charge me different amounts for the same debts that I thought I just paid with this agency. everything is still on my report saying transferred to new company that was not the agreement so I am due a refund this is fraud! buying and selling of my information and up charging me when Im trying to satisfy my debts!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: AZ

Complaint narrative:
I respectfully request the elimination of this erroneous account from my credit report as I did not authorize its creation and it is not mine. Attached are the supporting documents confirming my claim.

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 2025-08-22 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: OH

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-08-22 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-08-22 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: GA

Complaint narrative:
A transaction in the amount of {$29.00} was made on my card XX/XX/year> at XXXX in XXXX, XXXX At the time, my card was physically with me at least 45 minutes from XXXX XXXX I have not given my card information nor my phone to anyone else. Nor do I use XXXX gas stations. 

My dispute claim was denied XX/XX/XXXX. The information provided for this decision was lacking. The only thing that was stated was an associated transaction made on XX/XX/year> in the amount of {$4.00}. This transaction was made at a vending machine at my place of work. Again, nowhere near XXXX, GA. I have made purchases in the past at this vending machine and the merchant is reflected as XXXX XXXX several times on my statement. 

I already ordered a new card and it is currently in route to my home address. I believe my card was compromised because another transaction was attempted at a XXXX in XXXX, GA. However, I physically have my card on my person and the transaction was declined because a new card was ordered. 

I have placed two disputes so far that have been denied and I currently have a third dispute pending a decision. I have yet to receive any documentation regarding what was referenced for the second decision. CashApp states that it takes up to 45 days to return with a decision, but it took 24 hours to have my claim denied both times and I feel that my case was not thoroughly investigated. CashApp has no protocol or procedure when it comes to identifying fraudulent transactions and they are not caught at all unless the consumer stays on top of their account. 

When trying to receive support, the customer service representatives are not able to provide any real assistance and they sound robotic as if they are following a script. Your concerns are not heard nor acknowledged and apparently they do not know how to contact other departments within Cash App. When I asked to speak with someone in the dispute department I was told they dont even know how to reach other departments. This has been a major inconvenience because this fraudulent transaction wiped out my CashApp balance and that money was for my sons expenses. I have had to follow up several times with CashApp support only to be told that they escalated my case and they will reach out to me via email. Again, all the while I am without money that could have been used towards items my son needs.

Company response to consumer: Closed with explanation