vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
the Amount owe on this loan is {$4500.00} which is now closed with a {$0.00} Balance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I WANT THIS INACCURATE ACCOUNTS REMOVE FROM MY CREDIT REPORT WITHIN 5 BUSINESS DAYS!

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 2025-12-16 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 submitting a complaint against Equifax regarding inaccurate reporting of a charged-off account from XXXX XXXX XXXX Account # XXXX, Balance {$6300.00} ) on my credit report. The date of first delinquency is incorrectly reported, violating FCRA 623 ( a ) ( 5 ), and the account contains obsolete information that should no longer appear under FCRA 605 ( a ). Additionally, the reported balance, account status, and payment history are inaccurate and incomplete, violating FCRA 623 ( a ) ( 1 ) ( A ) and Equifaxs duty under 607 ( b ) to maintain accurate information. These errors do not reflect my records or communications with the creditor and have caused measurable harm to my creditworthiness, including denial of credit and higher interest rates. I have made prior attempts to resolve this directly with Equifax without success and am providing supporting documentation showing the discrepancies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: TX

Complaint narrative:
My credit card account with discover was canceled without cause. The account had a balance that I have been trying to clear since XX/XX/year>. However, discover wont allow payments on canceled accounts. I have contacted the bank and tried many many times to clear the balance and the bank says everything is cleared to make the payment. Discover claims it is nothing on their end, but can provide no explanation as to why the account was canceled or why I can not pay my balance. Meanwhile the account is accruing returned payments due to Discovers fraudulent activities and interest. You are unable to link a bank because the account is closed and you are not able to link a card to pay. Ok, how can I pay? I dont know, let me transfer you to a supervisor. Transfers me to a cut line. This has happened numerous times. I have all of the call history to show this malpractice and fraud. They have been very misleading and have offered no solutions for me to clear the balance all the while the account is increasing balance. It is now XX/XX/year> and I am still trying to clear the balance of an account that has been closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-16 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: TX

Complaint narrative:
On or about XX/XX/XXXX, my Cash App account was frozen due to alleged suspicious activity and described as a precautionary action. I was instructed to contact Customer Support and advised the review would take approximately XXXX ( XXXX ) days. 

More than XXXX months later, my account remains unusable. 

Since the initial freeze, I have contacted Cash App support numerous times, complied with every instruction provided, and opened multiple support cases. At several points, Cash App representatives stated they did not see my account as suspended, yet escalated the matter to the XXXX XXXX. 

The XXXX XXXX has contacted me by email XXXX times, each time closing my case without explanation and stating they are unable to provide any further information. No meaningful review, justification, or corrective action has been provided. 

This pattern demonstrates a failure to : Provide clear notice of account restrictions Conduct a timely or meaningful review Offer due process or transparency Resolve or properly document the account status Case History XXXX Account frozen; promised XXXX review XXXX EscalationCase XXXX XXXX  XX/XX/XXXX Additional escalation Case XXXX XXXXXXXX XXXX XXXX  response on XX/XX/XXXX closing case without resolution XXXX Case XXXX XXXXXXXX XX/XX/XXXX Case XXXX XXXX XXXXXXXX Case XXXX XXXX XX/XX/XXXX Follow-up under Case XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: TN

Complaint narrative:
I am formally requesting a full validation of the alleged debt appearing on my credit report under the account number listed above. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1692E ( 8 ) and 15 U.S.C. 1681e ( b ), you are obligated to ensure that all information reported is accurate, verifiable, and lawfully obtained. Therefore, I request the following documentation to substantiate the validity and legal standing of this alleged account : XXXX. The amount of the debt claimed to be owed. XXXX. The name and contact information of the original creditor. XXXX. A complete copy of the original agreement containing my wet ink signature. XXXX. All XXXX and XXXX accounting records associated with the debt. XXXX. The complete chain of custody and assignment for any transfers or sales of the debt. XXXX. Documentation showing compliance with TILA ( Truth in Lending Act ) and XXXX. ( XXXX XXXX XXXX ) provisions, including all required disclosures and lawful handling of the transaction. XXXX. Details regarding any securitization or monetization of the debt. XXXX. Confirmation that the account complies with G.L.B.A. XXXX regarding privacy and data protection. Please note that I am not refusing to pay any valid debt. I am simply exercising my right to request proper validation and documentation before any further reporting, collection, or dissemination of this information continues. Under XXXX  law, unverifiable or inaccurate accounts must be deleted or corrected immediately. Failure to comply with this request will be documented as willful noncompliance under 15 U.S.C. 1681n and 1681o.

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 2025-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Dear XXXX, Re : Complaint against JP Morgan Chase Bank for XXXX and paternalistic treatment, infringement on my economic freedom, and unfair/wrongful denial of completing a wire transfer. 

I'd like to file a complaint against JP Morgan Chase for discriminatory practices related to a wire transfer I attempted to initiate at the XXXX, XXXX, branch on XX/XX/XXXX. Despite providing all necessary documentation, having sufficient funds in my account, and despite being subjected to all the scrutiny and invasive questionings, the bank refused to process an international wire transfer of {$6500.00}, causing me a severe delay in the transaction that puts me at risk of defaulting in the purchase agreement of my investment property. 

I believe the bank 's actions were discriminatory, as the branch representative, XXXX XXXX XXXX 's behavior, invasive questioning, comments and alerting XXXX 's XXXX department, suggested I was involved in fraudulent activities due to my appearance and skin XXXX. 

I request that you investigate this matter and take appropriate actions to address the bank 's discriminatory practices as well as deeming me incapable of XXXX my own financial decisions. 

Thank you in anticipation to a thorough investigation of the banks refusal to unfairly serve me for XXXX days ( XX/XX/XXXX and XX/XX/XXXX ) until the branch 's XXXX, XXXX XXXX XXXX intervened on my behalf. I'm looking forward to your findings and to a fair resolution of the unfair orderal I faced due to the bank 's discriminatory practices. They interfered with my economic freedom and no XXXX deserves such XXXX treatment and infringement upon their economic freedom and rights. 

Please note my updated phone number XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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:
XXXXDear: CFPBXXXXI hope this message finds you well. XXXXI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under XXXX  law.XXXXAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.XXXXIn light of these regulations, I must highlight that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.XXXXI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.XXXXThank you for your attention to this matter. I look forward to your prompt response.XXXXSincerelyXXXX 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 2025-12-16 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:
XXXXDear: CFPBXXXXI hope this message finds you well. XXXXI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under XXXX  law.XXXXAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.XXXXIn light of these regulations, I must highlight that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.XXXXI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.XXXXThank you for your attention to this matter. I look forward to your prompt response.XXXXSincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this complaint against Experian for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Dates Reported XX/XX/XXXX to XX/XX/XXXX and XXXX  XXXX XXXX Late Dates Reported XX/XX/XXXX to XX/XX/XXXX. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Experian, yet Experian continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Experian under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Experian failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. 
Despite this, Experians reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my XXXX XXXX and ability to obtain favorable credit terms.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I disputed a bankruptcy record appearing on my credit report because the credit bureau can not verify it using actual documentation from the XXXX  bankruptcy court. Bankruptcy records exist only in XXXX  courts, and credit bureaus do not have direct access to those records. Instead, they rely on XXXXXXXX data aggregators such as XXXX. 

When I requested verification from the primary source the XXXX  bankruptcy court the bureau was unable to provide it. Their claimed verification consists solely of consulting the same secondary data provider that originally supplied the information, which is a circular process and not an independent investigation. 

I submitted a written dispute citing Section 611 of the FCRA, which requires the removal of information that can not be verified. I also provided an FTC report and invoked Section 605B, which requires blocking of disputed information within XXXX business days. Rather than complying with XXXX  law, the bureau issued a generic response stating the information was verified, without identifying the source used, confirming any contact with the federal court, or producing supporting documentation. 

Under Section 1681i ( a ) ( 5 ) ( A ) of the FCRA, disputed information that can not be verified must be deleted. Under Section 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to know the method of verification and the source relied upon. The bureau has failed to meet both requirements and continues reporting information it can not legally verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: MD

Complaint narrative:
I disputed incorrect information on my credit report, but the credit bureau said my disputes came from a third party, which is not true. I personally sent the disputes myself. I even called to confirm it was me, but they still refused to process them. 
I spent money mailing my letters and included documents to prove my identity. Its unfair that they didnt investigate properly. I just want my disputes handled correctly as required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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:
On XX/XX/year>, TransUnion publicly confirmed a data breach that exposed consumer names, Social Security Numbers, and dates of birth. I was identified as an affected consumer and received notice of the breach.

Because my SSN and other identifiers were compromised, I am disputing negative accounts that appear on my Equifax credit report. I do not authorize TransUnion or any furnisher to report or share inaccurate, unverifiable, or fraudulent information on my file. These accounts may be the result of misattribution or identity theft caused by the breach. 

Harm Caused : These derogatory accounts have damaged my credit standing and impaired my ability to obtain financing. Because TransUnion allowed my identifiers to be exposed, I am concerned that unauthorized access, mismatching, or fraudulent activity is the reason these tradelines appearonmyfile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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 filing a complaint regarding multiple inaccuracies and unauthorized entries on my credit reports from Experian and TransUnion. My XXXX  XXXX XXXX account ( XXXX XXXX XXXX XXXX  ) is reported as a charge-off with a balance of {$870.00}, XXXX XXXX XXXX is listed as a {$0.00} charge-off, and XXXX XXXX XXXX XXXX XXXX  is reported with a {$1300.00} balance, all of which are incorrect or obsolete, violating FCRA 605 ( a ), 607 ( b ), 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 5 ). Additionally, my reports contain multiple XXXX  inquiries that I did not authorize or that appear duplicated, including XXXX XXXX XXXX XX/XX/year> ), XXXX XXXX XXXX XXXX XX/XX/year>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 These inaccuracies and unauthorized inquiries have materially affected my creditworthiness and violate FCRA 604 ( a ), 605 ( a ), and 611. I request that all unverifiable, inaccurate, and unauthorized information be removed or corrected, and that I be provided with documentation showing verification of any disputed entries.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint regarding inaccurate reporting by Experian, Equifax, and TransUnion related to my XXXX account ( Account # XXXX ). Each bureau reports conflicting dates of last activity Experian shows XX/XX/2025, Equifax XX/XX/2025, and TransUnion XX/XX/2025 while simultaneously listing 30, 60, and 90-day late payments that do not align with my documented payment history. These discrepancies have caused significant confusion, negatively impacted my creditworthiness, and created undue stress in my financial planning. Despite providing statements proving timely payments, the bureaus continue to report inconsistent balances, activity dates, and late payments. I have attempted to resolve this directly with the bureaus, citing FCRA 611, 623 ( a ) ( 2 ), 623 ( b ), and 1666 -1666a regarding the duty to investigate and correct reporting errors, yet the inconsistencies remain, and my credit report still contains inaccurate information.

Company response to consumer: Closed with non-monetary relief