vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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: GA

Complaint narrative:
b'I am writing to formally dispute inaccurate and/or omitted information currently reflected in my credit report. Upon reviewing my file, I discovered that multiple student loan accounts, as well as an auto loan account, are being reported inconsistently or in violation of federal law. Specifically, I dispute the following:\n XXXX  XXXX  XXXX  Balance: XXXX  \n The reporting of this account is inaccurate for the following reasons:\n\nOmission and Inconsistency: Several student loan accounts have either been omitted entirely or are not reported in alignment with how other credit bureaus reflect these same obligations. This creates discrepancies that misrepresent my overall credit profile.\n\nImproper Delinquency Reporting: Delinquencies are being reported for the above account during a period when consumers were protected under the CARES Act. Under the CARES Act, accounts that received accommodations such as forbearance, deferment, or modified payment arrangements were not to be reported as delinquent. The continued reporting of late payments during this protected period constitutes a violation of federal law.\n\nThe following statutes apply to this dispute:\n\nFCRA 623(a)(2): Requires furnishers of information to correct and update information to ensure it is accurate and complete.\n\nFCRA 611 (15 U.S.C. 1681i): Grants me the right to dispute inaccurate information and requires the credit reporting agency to conduct a prompt reinvestigation.\n\nFCRA 607(b) (15 U.S.C. 1681e(b)): Requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy.\n\nCARES Act, Pub. L. 116-136 4021: Prohibits the reporting of accounts as delinquent when an accommodation was made due to the COVID-19 national emergency.\n\nFair Credit Billing Act (FCBA, 15 U.S.C. 1666): Protects against billing errors and inaccurate reporting of account activity.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file.

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 2025-09-30 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: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX  / XXXX  # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute multiple inaccurate items appearing on my credit file. These errors include incorrect addresses, a charge-off that I do not believe is accurate, and several unauthorized inquiries. Please treat this letter as my written dispute under the Fair Credit Reporting Act ( FCRA ), and conduct a full reinvestigation of the items listed below.Please remove the following addresses from my credit file. These addresses are not associated with me and appear to be the result of a data entry error or identity mix-up : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX PL XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX  XXXX XXXX GA XXXX XXXX XXXX PL XXXX XXXX GA XXXX I dispute the accuracy of the following charged-off account. Please reinvestigate and provide verification : CAPITAL XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3000.00} I did not authorize the following inquiries. Under the FCRA, inquiries must have a permissible purpose. Please remove these inquiries unless you can provide documented proof of a lawful, consumer-initiated transaction : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> These inaccuracies violate my rights under the FCRA, including but not limited to : FCRA 604 ( 15 U.S.C. 1681b ) inquiries must have a permissible purpose. 

FCRA 607 ( b ) / 1681e ( b ) consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy.

FCRA 611 ( 15 U.S.C. 1681i ) grants me the right to dispute and requires a prompt reinvestigation.

FCRA 605B / other applicable sections furnishers and CRAs must correct or delete unverifiable information. 

Requested Remedies & Documents As part of your reinvestigation, please : Perform a complete reinvestigation of all items listed above and correct or delete any information that can not be fully verified. 

Provide a written report of the results of your reinvestigation and send me a copy of my updated credit report showing any changes you make.

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 2025-09-30 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$580.00} XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$580.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$81.00} XXXX  XXXX  # XXXX XX/XX/XXXX -- {$180.00} XXXX  # XXXX XX/XX/XXXX -- {$7100.00} INQUIRIES : XXXX XXXX XX/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 2025-09-30 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 submitted disputes to all three credit bureaus regarding inaccurate account information. One bureau properly conducted an investigation, determined the account was inaccurate, and removed it. However, the other credit bureaus failed to provide proper verification or conducted what I believe was a frivolous response. They continue reporting the inaccurate item despite being notified of the issue, in violation of FCRA 611, which requires a reasonable reinvestigation of disputed information. I am requesting immediate correction of this inconsistent and harmful reporting. Below is a list of the accounts in question : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
I am disputing the reporting of inaccurate personal information and accounts on my credit file. My report reflects several inaccurate addresses not associated with me, including XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX and XXXX Main, XXXX, CA XXXX XXXX The presence of these false addresses raises concerns about the accuracy of my file and the potential misassociation with accounts that are not mine. Additionally, several accounts are inaccurately reported : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX reported with a balance of {$4000.00} containing inaccurate delinquency notations. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported with a balance of {$660.00} showing inconsistencies. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported with a balance of {$1400.00}, inaccurately reflecting my payment history. 
COMENITYCAPITAL/SEPHOR XXXXXXXX XXXX XXXX XXXX XXXX  reported with a balance of {$6600.00}, not fully verified. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reported with a balance of {$1000.00}, inaccurately reflecting derogatory history. 
XXXX XXXXXXXX XXXX XXXX XXXX  shows {$0.00} balance but continues to reflect as open or derogatory. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported with a balance of {$7700.00} with conflicting data. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXeported with a {$0.00} balance but still showing derogatory impact. 
Furthermore, my file reflects an inquiry from XXXX XXXX  on XX/XX/year>, which may not have been authorized and therefore may not meet the standard of a permissible purpose under FCRA 604 ( a ) ( 3 ) [ 15 U.S.C. 1681b ( a ) ( 3 ) ]. These errors violate the FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy, and FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ], which prohibits furnishers from reporting information they know or should know is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: CA

Complaint narrative:
I am disputing the reporting of inaccurate personal information and accounts on my credit file. My report reflects several inaccurate addresses not associated with me, including XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX and XXXX Main, XXXX, CA XXXX XXXX The presence of these false addresses raises concerns about the accuracy of my file and the potential misassociation with accounts that are not mine. Additionally, several accounts are inaccurately reported : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX reported with a balance of {$4000.00} containing inaccurate delinquency notations. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported with a balance of {$660.00} showing inconsistencies. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported with a balance of {$1400.00}, inaccurately reflecting my payment history. 
COMENITYCAPITAL/SEPHOR XXXXXXXX XXXX XXXX XXXX XXXX  reported with a balance of {$6600.00}, not fully verified. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reported with a balance of {$1000.00}, inaccurately reflecting derogatory history. 
XXXX XXXXXXXX XXXX XXXX XXXX  shows {$0.00} balance but continues to reflect as open or derogatory. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported with a balance of {$7700.00} with conflicting data. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXeported with a {$0.00} balance but still showing derogatory impact. 
Furthermore, my file reflects an inquiry from XXXX XXXX  on XX/XX/year>, which may not have been authorized and therefore may not meet the standard of a permissible purpose under FCRA 604 ( a ) ( 3 ) [ 15 U.S.C. 1681b ( a ) ( 3 ) ]. These errors violate the FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy, and FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ], which prohibits furnishers from reporting information they know or should know 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 non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: NC

Complaint narrative:
Yes I have a spending app logged out in making the payment. I want to request a refund with my bank from my account. I have payments in {$39.00}, {$68.00}, and XXXX that error log in. I want to request a refund from the Chime App bank for the deposit claim in the dispute the item did not match the description.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: FL

Complaint narrative:
I am filing this complaint regarding inaccurate and unlawful credit reporting of an account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

This account is the direct result of identity theft. I exercised my rights under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2 ( FCRA 605B Identity Theft Block ), by submitting : A valid FTC Identity Theft Report A police report filed with my local police department Proof of identity and proof of address Based on this block request, the credit bureaus initially removed the account. However, the account has since been reinserted onto my credit file, even though the FCRA prohibits re-reporting of blocked identity theft accounts unless the furnisher certifies the account as accurate, with proper notice provided to me. 

At no time was I provided any notice of reinsertion as required under FCRA 611 ( a ) ( 5 ) ( B ). This reinsertion is unlawful and damaging, as it continues to misrepresent my credit history and harms my ability to obtain credit.

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 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lloyd & McDaniel, PLC
State: FL

Complaint narrative:
I am being sued by Lloyd and McDaniel , PLC a collection agency who alleges that I owe a debt to XXXX XXXX XXXX XXXX ( brand name, XXXX XXXX XXXX XXXX XXXX ) in the amount of # XXXX XXXX. I am disputing the debt because I do not owe it. I have requested the ORIGINAL CONTRACT/AGREEMENT bearing MY SIGNATURE under the FDCPA, pursuant to 15 U.S.C. S1692g ( b ). I also demanded, pursuant to 15 U.S.C S1681i ( a ) of the FCRA to conduct a re-investigation of disputed information and a detailed description of the procedures used in their investigation as required under 15 U.S.C. S1681i ( a ) ( 6 ) ( B ) ( iii ). 
The collector has not furnished any of these documents. I have copies of fax, emails and texts to the Collection Agency, LlOYD and McDaniel, PLC that shows that I have been communicating with them but they have not communicated back. The only thing that I received in mail from them are Billing Statements ( aren't sufficient proof to validate debt ) but no signature on a copy of Agreement nor signed Contract. I do not have a financial relationship with XXXX. They, Lloyd and McDaniel, PLC claim in a letter that the " creditor was able to verify the debt '' but not showing competent proof as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: VA

Complaint narrative:
This correspondence is issued in response to recent communications regarding alleged debt totaling {$280.00}, reported as being in collections under my name. I am formally invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, to request full and complete validation of each alleged debt.

Please be advised that I do not acknowledge these debts and will not remit payment or engage in any negotiation until the following documentation is provided for each account : A detailed breakdown of the total amount claimed, including principal, interest, fees, and any payments received.

The full name and contact information of the original creditor, along with the original account number.

A copy of the original contract or agreement bearing my signature, establishing legal obligation.

Documentation demonstrating your legal authority to collect these debts, including licensing information and jurisdiction.

A copy of any judgment obtained, if applicable, including the issuing court and case number.

To date, I have received no documentation or substantive update regarding this request. I am aware that under federal law, you are granted thirty ( 30 ) days from the date of receipt to complete your investigation and provide full validation. That window remains open, and I expect a timely and complete response.

Prematurely closing the case without providing the required documentation does not satisfy your legal obligations and will not be accepted as resolution. If you fail to validate the debt within the legally mandated timeframe, any account reported under my name must be removed from all records, including credit reporting agencies. Any further attempt to collect, report, or pursue this debt will be considered unlawful and subject to formal complaints and legal action.

Until proper documentation is furnished, you are required to cease all collection activities, including but not limited to written correspondence, telephone calls, and credit bureau reporting. Any attempt to collect without validation may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General. 

This letter does not constitute a refusal to pay, but rather a lawful request for substantiation. I expect full compliance within the timeframe prescribed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
On XX/XX/year>, XXXX blocked my savings account and requested that I submit verification materials, including my passport and a description of recent transactions. I provided all requested documentation on XX/XX/year>. At that time, I was informed the review would take approximately XXXX business days. 

Since then, I have received no updates on the status of the review. I have contacted XXXX support multiple times, but each time I am told only that it will take a few business days. On XXXX occasion, a representative mentioned it might take XXXX days in total, but it has now been over XXXX weeks with no resolution or clear communication. 

As a result, I have been unable to access or withdraw the funds in my account, which I urgently need to use. I have over {$50000.00} in the savings account, and I feel extremely frustrated that such a significant amount of money is being held without clear justification. I am requesting CFPBs assistance in compelling XXXX to complete their review process in a timely manner and restore my access to these funds. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: TN

Complaint narrative:
On XX/XX/year>, I submitted a dispute to Cash App for a transaction of {$190.00} that I did not authorize. 

Cash App acknowledged my dispute and stated it could take up to 45 days to resolve. Since then, the disputed charge has shown as under review in my app. 

I contacted Cash App multiple times for updates. Their agents consistently told me the dispute was still under review. However, when I pressed for escalation and cited Regulation E protections, Cash App suddenly claimed my case was denied. They said I would receive written documentation of this denial, but no documentation has ever been provided. To this day, the app continues to show the transaction as under review. 
Cash App has : 1. Failed to refund the unauthorized transaction within the required Regulation E timeframe.

2. Failed to provide written notice of their decision with evidence, which is a clear violation of Regulation E.

3. Given inconsistent information ( telling me it was still under review, then saying it was denied without proof ).

I am requesting CFPBs assistance to require Cash App to : 1. Immediately issue a refund for the unauthorized transaction.

2. Provide the proper documentation of their findings.

3. Correct their dispute handling process to comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: CT

Complaint narrative:
Account XXXX XXXX XXXX XXXX # XXXX, According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable information thats on my credit report. I disputed multiple times with credit bureaus and its coming back updates and verified without proper investigation. The company failed to send me any of the information I had requested even with my other complaints they never sent verification of debt, the ORIGINAL contract bearing my signature an explanation of the amount and how it was calculated. If not, please delete account # XXXX as soon as possible from my report.

Company response to consumer: Closed with explanation