vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 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: FL

Complaint narrative:
I submitted a dispute to Equifax regarding a collection account reported by XXXX XXXX XXXX. My dispute was based on the Fair Credit Reporting Act ( FCRA ), which limits the reporting of derogatory information to 7 years from the date of first delinquency ( DOFD ). This account originated in XX/XX/XXXX, and the last payment date was XX/XX/XXXX, clearly placing the debt past the 7-year reporting limit. 
Rather than removing the obsolete account as required by FCRA Section 605 ( a ), Equifax responded that the item was " verified as accurate '' and unrelated fields such as balance date, status date, and additional info were updated. This appears to be an attempt to re-age the account rather than a good-faith investigation of my actual dispute. 
I respectfully request CFPB intervention to ensure Equifax conducts a proper reinvestigation, verifies the DOFD, and removes this account from my credit report as it is, in fact, obsolete. Additionally, I request that Equifax provide documentation verifying the legal basis for continuing to report this account beyond the 7-year limit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: NC

Complaint narrative:
I used cash app which they closed my account and told me to open another one which I did but they repeated this process everytime I deposited large amounts of money which I still haven't gotten any back or any answer from them all and all totaling over {$500000.00} in deposits and stored XXXX and other account opened by someone else not me after I deposited money or large amounts of XXXX there was a time when I even tried to deposit XXXX XXXX in XXXX to cash app which they stole a f froze all my account as suspicious activity and I can't get any answers from anyone about my funds or accounts or the fraudulent account opened in my name or my business name..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: CO

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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:
I am filing this complaint against Experian for failing to correct inaccurate and unauthorized accounts that I have repeatedly disputed. 

I contacted Experian to dispute several accounts that do not belong to me and requested that they be deleted from my credit report. These same accounts have already been removed by XXXX and XXXX, confirming that they are inaccurate, unverifiable, or fraudulent. Despite this, Experian has refused to delete the accounts and continues to report them.

Experians failure to correct these errors is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain the maximum possible accuracy of the information they report. Their so-called " verification '' contradicts the actions of the other two major credit bureaus and has resulted in the continued reporting of false and damaging information. 

This inaccurate reporting is negatively affecting my credit profile and overall financial standing. I am requesting that the CFPB investigate Experians noncompliance and require them to remove the disputed accounts from my credit file immediately. 

Account Name : XXXX Account Number : XXXX Balance : {$12000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$440.00} XXXX XXXX Account Name : XXXX Account Number : XXXX Balance : {$490.00}

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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am filing a complaint regarding the way American Express is reporting a charged-off account on my credit report. Although the debt was charged off, American Express continues to report monthly XXXX late payment marks. This is inaccurate and misleading. 

According to credit reporting guidelines, once an account is charged off, creditors should not continue to report monthly late payments as if the account were still active. Instead, the account status should reflect the charge-off with a final delinquency date. By continuing to report the account as XXXX  days late each month, American Express is re-aging the debt and causing ongoing harm to my credit profile. 

I am requesting that the CFPB investigate this reporting practice and that American Express be required to correct the reporting to reflect the proper status and stop updating the account as if it is currently delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings
State: GA

Complaint narrative:
This notice serves as a demand for the permanent deletion of data currently being reported on my credit file that are inaccurate, incomplete, outdated, or unverifiable. 
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), originally enacted as Public Law No. 91-508 which was enacted in 1970 to promote accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

15 U.S.C. 1681s-2 ( a ) - Duty to correct and update information.

15 U.S.C. 1681i ( a ) ( 5 ) - Treatment of inaccurate or unverifiable information.

You must complete the reinvestigation and deletion in satisfaction with 15 U.S. Code 1681i - Procedure in case of disputed accuracy. For quicker responses you may reply to the email provided on the top left corner of this notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: AL

Complaint narrative:
They repossessed my vehicle without first providing me with a required Notice of Default or Right to Cure, violating my state 's consumer protection laws. After repossession, I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under UCC 9-611 and 9-614.

This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit are required under UCC 9-611 and 9-614.

This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ). 

I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: IL

Complaint narrative:
ON TRANSUNION REPORT THERE ARE HARD INQUIRIES ON MY CREDIT REPORT THAT WERE IN RESULT OF IDENTITY THEFT

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 2025-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MO

Complaint narrative:
I am writing to formally dispute the accuracy of a medical collection in the amount of {$500.00} reported on my credit report under. This charge appears to be related to a visit to XXXX XXXX in XXXX, Ohio in XX/XX/2023, during a time I was temporarily working in XXXX. However, I am currently a resident of XXXX  and a XXXX-XXXX XXXX 

At the time : I received two medical bills : one for the XXXX  visit, which was covered by the hospital due to financial hardship assistance as I am a XXXX. 
The other was for XXXX, which I personally paid in full. 
To the best of my knowledge, there were no other outstanding balances related to this incident. I was never contacted about any unpaid portion nor provided with any documentation of this {$500.00} balance until it appeared on my credit report in XXXX a year later. 

I have contacted the collection agency and was not provided sufficient verification or itemized details supporting the validity or origin of the debt. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting : A detailed itemization of the {$500.00} charge including the date of service, provider, and nature of the services.

Immediate investigation and removal of this item from my credit report if it can not be verified with proper documentation. 
Please consider this letter a formal dispute of this entry. I expect confirmation of the results of your investigation in writing.

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 2025-06-09 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: IL

Complaint narrative:
I am a victim of identity theft. I never opened these accounts. Someone stole my identity and used it fraudulently without my permission resulting in these accounts reporting on my credit report.

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 2025-06-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I called the automated system for XXXX XXXX, to make a payment in full in the amount of {$110.00}, which was the full balance the automated system said was owed. 
On XX/XX/XXXX, I called because after opening a statement, it stated there was a balance. After speaking to a representative, although I was upset, I agreed to pay the full amount of the balance, which was approximately {$58.00}. After the representative processed my payment, he asked if there was anything else he could help me with, to which I responded with, " yes, I'd like to close my account ''. He said he regretted to hear that and asked if there was anything he could do to get me to stay. I mentioned my frustration with the accrued fees, to which he responded with him zeroing my account balance. Given the fact I had just submitted a payment with him in the full amount, the account should have been at {$0.00}. He stated he would reverse the payment and remove all fees from my account, which he proceeded to reverse the payment without my request in an effort to keep me as a customer. 
On XX/XX/XXXX, I called the automated system again to verify the account balance was at {$0.00}, which it wasn't. Again, I spoke to a representative and explained the situation. I agreed to pay the now {$12.00} on the balance and close the account, but the representative again ( a different one ) promised to remove the fee and bring the account to a {$0.00} balance if I stayed with the company. Again, I acted in good faith thinking there must have been a glitch with the previous representative. 
On XX/XX/XXXX, I called the automated system again to verify changes had been made. They hadn't, and since it was the XXXX, that meant a new feed would be added. I spoke to yet another representative, this time determined to close the account and hopefully get better answers. She informed me that the previous XXXX representatives didn't have the authority to remove fees and if I closed the account, it would be more difficult to remove fees. I did ask how I should proceed and all she said was she would submit a request for a removal of fees but that it wasn't a sure thing they would be removed and nobody would let me know if the request was approved or not. I still chose to close the account on this day after all my frustration of getting nowhere and feeling I was being scammed. 
I have attempted to clear up the confusion and misleading information given to me by reps of this company with no progress being made. I have requested they look into this issue but the responses only mention my fees being accurate and nothing on the false information I kept receiving from the representatives. 
This issue has caused my credit score to fall and even other creditors lower my credit limits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Revolut Technologies Inc.
State: KY

Complaint narrative:
We were targeted by a scammer posing as XXXX XXXX via XXXX own messaging platform. The scammer claimed that a buyer had placed an order on our XXXX shop, but that XXXX could not release the payment to us unless we completed a bank verification process. 

They instructed us to open a new bank account with Revolut and make a {$290.00} charge from that account to complete the verification. We were told the charge was temporary and would be immediately refunded once the verification was complete. 

Believing this was a legitimate part of XXXX onboarding or seller payout process, we followed the instructions and authorized the payment. Only afterward did we realize it was a scam. 

We filed a dispute with Revolut while the transaction was still pending, but the bank declined our request, stating that because the payment was authorized, it could not be refunded. 

While we understand that the transaction was technically approved by us, this was clearly an instance of social engineering / authorized push payment ( APP ) fraud, where we were tricked into sending money under false pretenses. We never received any goods or services in return, and we were misled by someone impersonating a trusted platform ( XXXX ). 

We are requesting your help in getting Revolut to reconsider and reverse the charge. We are prepared to provide all screenshots, chat logs, and transaction details to support our case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-09 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-06-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: RFNA, LP
State: LA

Complaint narrative:
Received an unsolicited loan check in the mail {$3500.00} due to my creditworthiness. I deposited the check into my personal account on XX/XX/XXXX. This offer includes XXXX fixed monthly payments of {$170.00}. I started getting unsolicited phone call from the local XXXX XXXX office informing me that I was initially approved for {$6000.00} and if I need any additional money it is available for me to receive up to the {$6000.00} amount. On XX/XX/XXXX I was offered an loan extension of {$1000.00}. When I finally excepted loan the extension I was told that I may have used my vehicle as collateral. I reluctantly agreed because I needed the money. I told the XXXX XXXX representee over the phone that I am only using my vehicle for the {$1000.00} loan only. When I received the {$1000.00} loan I gave XXXX XXXX the title of my vehicle. I was never informed of the add-on like the voluntary insurance and that they add the unsecure loan the I received due to my creditworthiness and made it into a secure auto title loan. Nothing was explained to me. XXXX XXXX has paperwork that says they can sign my signature to any document and I just noticed an form that asked for Power of Attorney. All of the papers that they gave me do not contain my signature on any of the pages. Predatory loan please help me if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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 submitting this complaint because a consumer reporting agency has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ). After disputing inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a clear explanation of the reinvestigation process. Specifically, I asked for details regarding the steps taken to verify the disputed information, the name, address, and telephone number of the data furnisher, and any documentation used to justify the continued reporting of the item.

To date, the agency has not provided any of the requested information. This lack of disclosure violates the FCRAs requirements for transparency and accountability and raises serious concerns about the accuracy and integrity of the reinvestigation process. The agencys failure to comply may constitute willful or negligent violations under 15 U.S.C. 1681n and 1681o and may subject it to civil liability.

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 2025-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I've had this problem with several banks. 
Last year, 2024, I was scammed and my phone and bank account was hacked. 
My original bank was XXXX XXXX. They closed my account. 
I subsuquently opened accounts at XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  and XXXX XXXX. After aprox XXXX months each bank closed my acccount with NO explanation other than a security risk. 
Most recently my account at XXXX XXXX notified me that they were closing my account. 
I need a bank account and I need a checking account but I seem to be blacklisted due to what happened last year. 
I am much more carefully with my finances now and don't understand how they can still hold this over my head from 2024. 
Please help me to get a bank account and keep it. 
Thank you in advance, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL 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