vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc.
State: WA

Complaint narrative:
RE : Cash App Account Today I was notified via email that my email address was " unlinked '' from my Cash App account. 
Therefore I am now unable to access my Cash App Account at all now. 
I immediately called Cash App support at their XXXX number to tell them about the issue. I would like that account closed due to fraud. I'm afraid that whomever got access to my account will now attempt to use my name and other verified information to scam other people. I do not want there to be any identy theft with my name and my 'former ' account being used. 
So I would think that by me notifying Cash App of this issue I would somehow be able to 'flag " my account just in case later on if I run into any identity theft i can show that it was NOT me due to this fraudulent access to my Cash App account. 
The Cash App support XXXX was unable to locate my account with any of my Inormation. He tried my name, my Cash App XXXX, my email and my phone number. Nothing could be found. I'm so frustrated by this. I have no recourse with Cash App to report this scam and to protect myself. 
The XXXX support XXXX I spoke to told me they couldn't find my account and for me to call my cell phone company and report my phone number as stolen. I'm not sure the heck that would help me get into my account with cash app. 
This is stupid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Booking.com Reservation : # XXXX PropeXXXX XXXX XXXX XXXX XXXXXXXX XXXX Stay Dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Payment Method : PayPal XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Total Paid XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  approximately {$1300.00} USD On XX/XX/year>, I checked into XXXX XXXX XXXX XXXX, which I booked through BXXXX XXXXhe listing explicitly advertised XXXX XXXX for guest accommodation this feature was essential to my decision. 

Upon arrival, there was no air conditioning in the unit at all. I attempted to call the property twice that same day ( XX/XX/XXXX ), but received no support. The room was very hot, and the lack of XXXX made the stay uncomfortable and physically stressful. 

On XX/XX/XXXX, I opened a complaint with XXXX. The representative XXXX XXXX XXXX XXXX acknowledged that the listing was misleading and confirmed that XXXX XXXX  never responded to their outreach. They offered a goodwill gesture refund of XXXXXXXX XXXX XXXX XXXX {$200.00} USD ). I accepted it only as a temporary resolution and made clear that the refund was not sufficient. 

I paid the full amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  using PayPal XXXX, which initiated a XXXX installment plan of {$240.00} per month, from XX/XX/XXXX to XX/XX/XXXX. 

These monthly payments are being withdrawn directly from my checking account via ACH meaning PayPal is debiting my account through my routing and account number, not a debit card. So far, I have made XXXX of the XXXX scheduled payments, despite never receiving the amenity that was central to the listing. 

I filed a dispute with PayPal on XX/XX/XXXX, citing misrepresentation. The claim was denied. I then appealed on XX/XX/XXXX, and again on XX/XX/XXXX, submittinXXXX XXXX  own email as proof that the listing was false and the property unresponsive. 

Despite the strong evidence, PayPal issued a final denial on XX/XX/XXXX, stating that the item was materially similar, even though the unit lacked the air conditioning explicitly promised. 

Ive also submitted a video screen recording showing the exact XXXX listing that advertised the XXXX unit, including a zoomed-in section that clearly reads : Single-room AC for guest accommodation. 

I am requesting CFPB assistance to : Recover the full amount I paid : XXXX XXXX  / {$1300.00} USD Stop further XXXX withdrawals from my checking account by PayPal for this disputed charge Hold PayPal accountable for failing to uphold buyer protection in a clear case of misrepresentation Help ensure deceptive listings like this dont impact other consumers booking internationally

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Considering my reliable payment history, the late payment on my account is unjustified. Please correct this mistake by removing it and ensuring my account is accurately updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: CA

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: MA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-07-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX Date : XXXX To : Fair Collections & Outsourcing Subject : Formal Dispute Fraudulent/Incorrect Housing Collection Reporting Account Name : Fair Collections & Outsourcing ( FCO ) Account Number : XXXX Amount : {$4600.00} Opened : XX/XX/year> To Whom It May Concern, I am formally disputing the accuracy of the above-referenced collection account currently reporting on my credit file. 
This debt is not mine and was reported without my consent, knowledge, or proper verification. I am demanding an immediate reinvestigation and the permanent deletion of this fraudulent and inaccurate account from my credit report under your obligations per the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i. 
If this debt can not be 100 % verified with documentation proving I am legally responsible, including a signed lease agreement and itemized accounting, it must be removed from my credit file immediately. Continuing to report unverified or incorrect information is a violation of the FCRA and may subject your organization to regulatory action and civil liability. 
Please provide me with the results of your investigation within 30 days, as required by federal law. 
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 2025-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: CMG Financial Services, Inc.
State: TX

Complaint narrative:
I applied for a mortgage loan through CMG Home Loans to purchase a home located at XXXX XXXX XXXX, XXXX, TX XXXX. The bank neither approved nor denied my application and failed to provide a formal denial letter as required under the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 ( d ) ( 2 ). 

I sent a formal written request for an adverse action notice on XX/XX/year>, addressed to XXXX XXXX at CMG Home Loans. Despite multiple follow-ups, I have not received any official response. The bank also requested irrelevant immigration documentation from my attorney, which my legal counsel advised not to provide. According to XXXXCOA and the Fair Housing Act, lenders can not request immigration-related information if it is not directly relevant to creditworthiness. 

As a result of their refusal to issue a denial letter, I have been unable to recover my XXXX money deposit from the home purchase contract, placing me in financial and legal hardship. 

I am requesting the CFPBs assistance in ensuring the lender complies with federal lending laws and provides the required denial documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Credit and Collections Inc.
State: MD

Complaint narrative:
This is now the third CFPB complaint Ive had to submit against United Credit and Collections , Inc. regarding their continued reporting of a disputed {$600.00} debt allegedly owed to " XXXX XXXX XXXX XXXX XXXXXXXX. '' I am escalating this complaint because United Credit and Collections has closed my prior CFPB complaint ( ID : XXXX ) submitted on XX/XX/year>, with the claim that it was a " duplicate, '' despite the fact that new and materially relevant information was provided. 

Specifically, my most recent complaint ( filed XX/XX/year> ) requested : Legal authority for United Credit and Collections Inc. to collect the alleged debt in my state ; The Date of First Delinquency as required under the FCRA 623 ( a ) ( 5 ) ; and Confirmation that the debt had not already been paid or discharged.

I also highlighted a significant inaccuracy : the reported balance fails to reflect that a portion of the debt has already been paid a fact that United Credit and Collections has not addressed or corrected in any communications. 

Despite these additional requests and new factual disclosures, they dismissed my complaint as duplicative, which suggests a failure to reasonably investigate under FCRA 611, as well as a bad faith refusal to resolve a legitimate dispute under their obligations as a debt collector. 

I am now requesting the following : Deletion of the unverified and inaccurate debt from my credit reports ; A corrected accounting reflecting all partial payments made ; Full documentation proving the date of first delinquency and legal authority to collect in my jurisdiction. 

I reserve the right to escalate this matter to my State Attorney General, the Federal Trade Commission, and to seek relief in civil court under the Fair Credit Reporting Act if United Credit and Collections continues to mishandle this dispute in bad faith.

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 2025-07-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: CA

Complaint narrative:
On XX/XX/year>, I contacted my federal student loan servicer and spoke with a representative named XXXX ( Employee ID : XXXX ). At the time, I was approximately 170 days delinquent due to ongoing financial hardship from back taxes, medical debt, and personal obligations. 

During this call, I specifically asked XXXX if making a large payment to bring my account current would remove or prevent derogatory marks from being reported on my credit. She clearly stated that if I made the payment, my account would be reported as current and the derogatory marks from XXXX, XXXX, and XXXX would be cleared from my credit report. 

Based on this representation, I made the full payment, which caused significant personal financial strain because I believed it would restore my credit. However, the derogatory marks were not removed, and my credit score dropped into the low XXXX. 

I later learned that what XXXX told me was inaccurate and not in line with federal policy or credit reporting guidelines. The servicer has since acknowledged that she may have given incorrect information, but stated that they can not do anything to fix it. 

I feel I was misled by a federal loan representative, made a major financial decision based on that advice, and now face long-term damage to my credit and financial health. I am seeking either the removal of these derogatory marks as originally promised or financial restitution for the harm caused by this misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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 writing to demand the immediate deletion of the fraudulent XXXX account ending in XXXX from my credit report. This account is the direct result of identity theft and was previously removed from my credit file. There is absolutely no legal or factual basis for this account to be reinserted. 

I have filed an official identity theft report with the Federal Trade Commission ( FTC ), and I am currently working with a licensed attorney regarding this matter. 

Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681c-2, you are legally required to block all information resulting from identity theft within four business days of receiving proper documentation. This includes : A copy of my FTC Identity Theft Report Proof of my identity A statement that the information is not related to any transaction I made

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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:
These accounts were created without my knowledge or consent, and I should not be accountable for them. I urge you to take swift steps to correct this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NC

Complaint narrative:
I have {$2500.00} on my cashapp on XXXX XXXX I tried to send a payment and it wouldnt let me. Maybe a day after I tried to deposit the {$2500.00} into my bank account and they said my account has been suspended. So ever since XX/XX/XXXX Ive been consistently calling everyday and no one has gotten back to me via email or phone call and its at the point where I cant even pay my bills or support my children now

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XX/XX/year> Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Re : Cease and Desist Request Regarding Alleged Debt Reference Number- XXXX To Whom It XXXX Concern, On XX/XX/year> you were notified to please cease and desist communication. This letter serves as a formal notice to cease and desist all communication with me, whether by phone, mail, or any other means, regarding the above-referenced alleged debt. 
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am exercising my legal right to request that you stop all further communication with me regarding this matter. I am aware of my rights under the FDCPA, and I intend to fully enforce them. 
I also formally dispute the validity of the alleged debt. If you believe this debt is valid, you are required under 15 U.S.C. 1692g ( b ) to provide written verification of the debt, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX. {$540.00} Furthermore, please be advised that : Any attempt to contact me again, except to confirm that no further contact will be made or to provide validation of the debt, will be considered a violation of the FDCPA. 
Continued contact may result in me filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), my state attorney general, and/or pursuing legal action. Please also ensure that my credit reports are not negatively affected by unverifiable or inaccurate reporting of this alleged debt. If you have already reported it, I demand it be removed until validated. 
I request that you confirm in writing that all further communication has ceased. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in 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 2025-07-25 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: FL

Complaint narrative:
I am writing to formally dispute the accuracy of one or more items on my credit report that I believe are the result of identity theft. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 609 and 605B, I request the immediate investigation and removal of these fraudulent accounts from my credit report. 

The original signed contract or application bearing my signature. 
Any documentation used to verify the accounts validity. 
The name and address of the original creditor. 
A full explanation of how the account was verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: FL

Complaint narrative:
I am writing to formally dispute the accuracy of one or more items on my credit report that I believe are the result of identity theft. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 609 and 605B, I request the immediate investigation and removal of these fraudulent accounts from my credit report. 

The original signed contract or application bearing my signature. 
Any documentation used to verify the accounts validity. 
The name and address of the original creditor. 
A full explanation of how the account was verified.

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