vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
I disputed a late payment that GoodLeap is reporting because it is incorrect, and the account is current. I sent a written dispute to all three credit bureaus on XX/XX/year>, and a Method of Verification request on XX/XX/year>. GoodLeap never provided any documentation, verification, or response to support the late payment. Despite this, the credit bureaus continue reporting the late mark, and one bureau updated the account without receiving proof from GoodLeap. The late payment resulted from a bank processing error, and GoodLeap has not provided any evidence to validate the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
Santander, N.Areporting inaccurate, duplicative, and unverifiable information to the credit bureaus. I submitted disputes, but they failed to conduct a reasonable investigation under FCRA 1681s-2 ( b ).

SANTANDER : Reporting the same account twice on Equifax with identical account numbers.

One reports as settled, the other as an open charge-off with a balance.

A charge-off can not be open.

The account is not mine and I have never had two auto loans. This issue is reporting under the same credit line XXXX  XXXX XXXX failed to provide verification documents, failed to correct inaccurate reporting, and continue to report unverifiable information. I am requesting that these accounts be deleted from all bureaus due to non-compliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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 recently pulled my credit report and noticed several negative hard inquiry that are reporting inaccurately and without my knowledge. Please help me get these accounts removed immediately. 
Old / Incorrect Addresses : XXXX XXXX XXXXXXXX, XXXX GA XXXX XXXXXXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX, XXXX GA XXXX Incorrect Name : XXXX XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX  ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-05 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: PA

Complaint narrative:
On XX/XX/XXXX, I reviewed my credit report and found several hard inquiries that I did not authorize. These include, but may not be limited to : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX have not applied for credit cards, auto loans, or other credit products with these companies, nor did I authorize these inquiries. I am concerned these may be the result of identity theft or an error.

I have contacted the credit bureau ( s ) to dispute these inquiri
es and requested an investigation, but the issue remains unresolved.

I am requesting that these unauthorized inquiries be removed from my credit report as they were made without my consent and are negatively impacting my credit score. Please investigate and take appropriate action to correct 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 2025-12-05 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: PA

Complaint narrative:
On XX/XX/XXXX, I reviewed my credit report and found several hard inquiries that I did not authorize. These include, but may not be limited to : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX have not applied for credit cards, auto loans, or other credit products with these companies, nor did I authorize these inquiries. I am concerned these may be the result of identity theft or an error.

I have contacted the credit bureau ( s ) to dispute these inquiri
es and requested an investigation, but the issue remains unresolved.

I am requesting that these unauthorized inquiries be removed from my credit report as they were made without my consent and are negatively impacting my credit score. Please investigate and take appropriate action to correct my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: AZ

Complaint narrative:
TransUnion is reporting repeated 120-day late payments on this XXXX account that are inaccurate and not supported by verified evidence. Under the FCRA, TransUnion must ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) and conduct a lawful reinvestigation when disputed ( 15 U.S.C. 1681i ). I requested verification of these derogatory marks, but TransUnion failed to provide any competent documentation from the furnisher. Because unverifiable information can not remain on a consumer report under 1681i ( a ) ( 5 ), the continued reporting of these late payments is improper and misleading.

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 2025-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
A cease letter was sent to midland credit management and XXXXXXXX XXXX. Im not aware of any of these companies or who they represent, these are not debts that I have made XXXX t them both removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
We booked 4 separate cabins with XXXX XXXX XXXX in XXXX XXXX using my Chase XXXX credit card ending in XXXX. Total payment was {$4200.00}. Cruise date was XX/XX/XXXX for our XXXX wedding anniversary. On XX/XX/XXXX we cancelled the cruise- my wife is diagnosed with XXXX - well before final payment was due. XXXX issued our Cancellation Invoices on XX/XX/XXXX verifying the 100 % deposit refunds to Chase VISA account ending in XXXX on each of the XXXX booking. As time went on, the refunds were not returned to our account. Phone contact with both XXXX and XXXX could not provide resolution on the location of the funds. I filed a XXXX  complaint. Neither party is a member. No resolution. For Chase XXXX, at their request, I filed 2 sets of " Disputes '' - the first they dismissed because of the length of time between the charge ( early XXXX ) and the refund ( late XXXX ). I was unable to make them understand I was not disputing the CHARGE, but the disposition of the REFUND. XXXX, was much more forthcoming. Through their XXXX XXXX XXXX XXXX XXXX, they provided me their internal transaction numbers and also the banking system XXXX ( Acquirer Reference Numbers ) for each of the 4 transfer of funds to Chase XXXX. I subsequently provided these ARNs to Chase XXXX but no level of explanation or description would make them respond to my plea to run them through their system and discover the location of the funds and redirect them to my account. I am a XXXX XXXX XXXX veteran and {$4200.00} is a significant amount of money to me but meaningless to Chase XXXX. The 30 days on stress and effort has taken its toll on me. I am submitting this event report to CFPB hoping that something can be done to recover my payments because I have exhausted all direct efforts with the 2 companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: MS

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of Labor XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company from my information Transunion. Please delete the following accounts. creditor : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Date Fraud Began : XX/XX/XXXX Date I Discovered Fraud : XX/XX/XXXX Fraudulent Amount : {$1300.00} XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXX Date Fraud Began : XX/XX/XXXX Date I Discovered Fraud : XX/XX/XXXX Fraudulent Amount : {$1300.00} XXXX XXXX XXXX Account XXXX : XXXX XXXX  Date Fraud Began : XX/XX/XXXX Date I Discovered Fraud : XX/XX/XXXX Fraudulent Amount : {$600.00}

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 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
INACCURATE ACCOUNTS. THIS ACCOUNT DOES NOT BELONGS TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: LA

Complaint narrative:
I had ordered a replacement card through US direct express online. Because I lost my previous card so I received the new card in the mail I tried activating the new card wasnt unable to. I called XXXX numerous times no customer service rep never answered! I have bills to pay! I dont have time to have a company like this to deposit money on the card but if I need to talk to a live person Im unable to get in touch! Something needs to change. I dislike XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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: GA

Complaint narrative:
After reviewing my credit report I have found that I am a victim of idenity theft. I do not recognize these accounts. The accounts listed are damaging my credit and keeping me from getting a house to live in. I am a victim of XXXX  XXXX and currently homeless and need to secure a safe place for me and my children to live. Please remove these accounts as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-05 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Skrill USA, Inc.
State: TN

Complaint narrative:
Paying $ XXXX fees to Skrill to withdraw every transaction to collect my money from XXXX XXXX they will not except my debit card to withdraw my winnings but allow me to make purchases from the casino so why am I paying skrill hundreds of dollars when Skrill has no problem sending the money to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I literally signed up for venmo for a new account and I got the email saying I was approved I have a screenshot of the email and then it says I was good I'm able to make purchases upload money etc so I do that the same morning and then they locked me out and I've been locked out ever since I've repeatedly hit them up ask them please help me I have kids This is all the money I have They straight up lied to me and duped me it felt like because the email literally said I'm good and then once I do it they lock me out of my money and won't let me even take the money off or close the account there's just no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: NJ

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate and potentially unverifiable accounts reported on my credit reports by Equifax, Experian, and TransUnion, including charge-offs and collections that misstate balances, dates of first delinquency ( DOFD ), and account statuses ; specificallyXXXX XXXX XXXXXXXX XXXX balance {$0.00} ), XXXX  XXXX ( balance {$6700.00} ), XXXX XXXX ( balance {$0.00} ), and XXXX XXXX ( balance {$370.00} ) * * are reported with incorrect balances, outdated or inaccurate DOFDs, and misleading account histories that do not reflect my actual payment records and account management. These inaccuracies violate FCRA 605 ( a ), 605 ( c ), 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ) and FDCPA 807, 808, 809, and I have attempted to dispute these errors directly with the credit bureaus, but the information remains uncorrected, causing measurable harm to my creditworthiness, limiting my ability to obtain credit, and negatively impacting my financial reputation. I have attached supporting documentation, including statements, payment confirmations, and prior dispute correspondence, demonstrating that the reported information is inaccurate, obsolete, or unverifiable.

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 2025-12-05 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: DC

Complaint narrative:
On Wednesday, XX/XX/year>, I used Cash app to send a payment of {$3400.00} to XXXX XXXX at around XXXX. In return my bank declined the payment until I verified, I requested the payment. The bank told me to redo the transaction, and I did so but for some strange reason, the payment when to a XXXX XXXX instead a XXXX XXXX. 

I quickly requested a refund from XXXX XXXX and never received a reply. I called and chatted with Cash App all day about getting the funds returned to my account. I understood they could not provide XXXX XXXX contact information but asked them to reach out to her. I don't believe they did because they constantly told me in text and over the phone to request a refund from her. I asked can they see if the money was withdrawn and XXXX representative said it was still there and another said XXXX XXXX declined the refund. I told the representative the money has been debited from my bank account. In my cash app activity, it states pending and I believe because I requested a refund. This money is for someone's rent, and the owner is looking for me to send the rent to pay their mortgage. I need cash app to be more responsible with this matter and in a timely matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, Has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.S.C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 190 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation