vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-10 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: NJ

Complaint narrative:
I have disputed these accounts multiple times ( XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX  ) and provided proof that the furnishers failed to produce required documentation under FDCPA 1692g and FCRA 1681s-2 ( b ), including ownership, itemization, and IRS Form 1099-C. Despite this, the bureau marked them as verified. 

Specifically, the XXXX XXXX XXXX and XXXX XXXX  accounts are both shown as Closed on the summary page of my Equifax report, yet when you click for details, each account is still listed as Open and active. 

In addition, XXXX XXXX no longer owns this account, yet Equifax continues to display XXXX as the current creditor or data furnisher. This makes the tradeline factually incorrect under FCRA 1681s-2 ( b ) and the FDCPA 807 ( 8 ), which prohibit reporting or communicating false credit information.

This is a direct violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) requiring consumer reporting agencies to maintain complete and accurate information. Equifax can not report an account as both closed and open simultaneously. 

I previously disputed these tradelines, but Equifax failed to investigate or remove the inaccurate information properly. This error continues to affect my credit score and mortgage eligibility negatively. 

I am requesting immediate correction or permanent deletion of both XXXX XXXX XXXX and XXXX XXXX accounts from my Equifax credit file. 

Please provide a full written explanation of your reinvestigation process and the sources used to verify this data. 

Continuing to report unverifiable or inaccurate information violates FCRA 1681i ( a ) ( 5 ) ( A ), which requires deletion when accuracy can not be confirmed. I am requesting full deletion of all disputed tradelines and a written explanation of the bureaus reinvestigation process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
i purchased a product from XXXX, the product was a XXXX XXXX XXXX XXXX XXXX, the order number is : XXXX. the when ir arrive the product was defective and did not work as advertised. i contacted the company they procided me with a ups return shippin label. on XX/XX/year> XXXX XXXX  i handed the package directly to a ups driver using the label provide by the company the tracking number is XXXX. unfortunaly the ups necer scanned the package, so the tracking status was never updated. i already explained this to the company and provided them with the evidence including proof that the package was given to the ups driver. however the company refuses to take responsability, even though thet are the shipper of record and only party who can file a claim with the ups. as a result im left withou a refund even though. i also have security camera video clearly shoving the ups driver picking up the package from my hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I am reporting an issue concerning an open tradeline on my credit report that reflects one or more late payment ( s ) I believe to be inaccurately reported. I have reviewed my records and submitted multiple formal disputes directly to the creditor and the credit bureaus to address the discrepancies. However, to date, I have not received any credible evidence or billing records to validate that these reported delinquencies actually occurred.

The payment history being reported shows dates and delinquency statuses that do not match my actual payment activity, which creates a misleading profile of my credit behavior. Instead of a proper investigation or detailed explanation, I have received unhelpful responses that do not resolve the reporting errors.

This mishandling of my dispute violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report data that is both accurate and complete. The failure to correct or validate this informationafter multiple attemptshas resulted in unjust damage to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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 addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am disputing inaccurate and misleading reporting of my American Express account that continues to appear on my XXXX  credit report. The account was charged off several years ago, yet it is still being updated every month as both past due and charged off. Once an account is charged off, it can not continue to accrue delinquency or show new late payments, so these updates are false and violate the Fair Credit Reporting Act ( FCRA 623 and 607 ( b ) ).

I previously disputed this with XXXX. They reported that the account had been verified and updated, but no corrections were made. XXXX  and American Express have failed to provide documentation showing when the account was actually charged off, the true date of first delinquency, or an explanation for why it keeps reporting as past due. 

I requested the original signed credit agreement, the final billing statement before charge-off, proof of ownership or assignment, and an explanation of their verification process. None of this information was provided. 

On XX/XX/year>, XXXX  marked the account as verified, stating no further dispute would be processed. However, this verification was performed through their automated vendor XXXX, not through any meaningful reinvestigation. XXXX refusal to reinvestigate, despite new and relevant evidence of ongoing misreporting, is egregious and demonstrates willful non-compliance with FCRA 611 ( a ) ( 5 ) ( B ) and 616. This bad-faith handling has prolonged the harm to my credit and caused continued reporting inaccuracies that materially affect my financial standing.

I am requesting that the Consumer Financial Protection Bureau require XXXX  and American Express to immediately : Delete this tradeline from my credit report due to verified reporting violations and failure to provide proper documentation ; Provide a full explanation and documentation showing how XXXX  verified this account on XX/XX/year>, including communications or data exchanges with American Express or third-party vendors such as XXXX. 
Confirm the true date of first delinquency, the official charge-off date, and the basis for ongoing monthly updates showing new past-due activity on a charged-off account.

The companys actions have caused continued financial harm, loss of credit opportunities, and emotional distress. I am requesting the CFPB to compel compliance with FCRA 607 ( b ), 611, and 623 ( a ) ( 5 ) and ensure this matter is corrected in good faith.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: VA

Complaint narrative:
I am writing to formally express my concerns regarding Chimes handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Chime numerous times and reporting discrepancies, my financial institution and Chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: FL

Complaint narrative:
The online banking app cash app close my account stating that I violated there policy of terms of service. The cash app tag name " XXXX '' which was appeal with the same resolve however the decision came with no explanation of what or how term was violated. I didn't violated any term of there policy and using the app for what it for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Block, Inc.
State: CA

Complaint narrative:
XXXX card was canceled XXXX or more yrs ago they finally sent me a notification saying problem was fixed to reorder can't still says error has accurde contacted chat several times and every time after providing all info they ask for they just leave chat. I even sent the proof showing issue was fixed and still I'm told they can't provide any info honestly any issue I've had theve never resolved anything. This has been going on for awhile since my XXXX account was robbed of a XXXX dollars and transferred out but couldn't give any info.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 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: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: NY

Complaint narrative:
I am writing again as a concerned consumer regarding several inaccuracies on my credit report that continue to misrepresent my financial history. Despite my previous dispute, these accounts and inquiries remain, and I am requesting their permanent removal under my rights protected by federal law. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3200.00XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} * * These accounts were reported inaccurately, and their negative reporting does not reflect my true financial history. Reporting them in this manner violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) ; FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ; FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) ; and 605B / 15 U.S.C. 1681c-2, all of which support accurate and lawful reporting. I request that these accounts be permanently deleted. 
XXXX XXXX XXXX, Balance Owed : {$0.00} * This account is inaccurately reported as charged-off. Reporting XXXXbalance accounts as charged-off violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) and 605B / 15 U.S.C. 1681c-2, and I request its permanent removal from my credit report.

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These inquiries were either unauthorized, inaccurate, or unverifiable, which violates 605B / 15 U.S.C. 1681c-2 ; FCRA 604 ( f ) 15 U.S.C. 1681b ( f ) ; and FCRA 604 ( a ) 15 U.S.C. 1681b ( a ). Since they are inaccurate or unauthorized, they must be permanently removed from my credit report. 
XXXX XXXX, Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5800.00} * * This collection account is inaccurately reported and unverified. Its reporting violates FCPA 807 15 U.S.C. 1692e and FDCPA 809 15 U.S.C. 1692g, which require accurate and verifiable information. I am requesting its permanent removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
These debt collectors have engaged in abusive, deceptive, and unfair practices in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, they failed to follow the legally required five-step debt validation process, denying me my right to proper notice and verification, which constitutes an unfair and unlawful practice. Under the FDCPA, I am entitled to up to {$1000.00} per violation, and these actions represent clear violations of my consumer rights.

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 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Experian, I am writing to update/correct my personal information on my credit report. 
Please update my name to XXXX XXXX XXXX XXXX. 
Please update my current address to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 
My only and correct Date of Birth : XX/XX/1996. 
I do not wish to have any telephone numbers on my report. 
Please remove all the other names and address ( es ) from my report, as they are not deliverable to me by the U.S. post office and they are not reportable as per the FCRA since they are inaccurate. 
I request that you respond to my dispute as stipulated by the Fair Credit Reporting Act ( FCRA ) after your complete investigation and inform me of the results within the legally required time frame. I am eager to ensure the accuracy of my credit report as soon as possible.

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 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The bankruptcy appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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 2025-10-10 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: NJ

Complaint narrative:
I have disputed inaccurate information on my report with a clear proof yet the company favored the creditor I dont feel they have viewed the proof I have submitted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 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: Carvana Group, LLC
State: CA

Complaint narrative:
I have never given these companies, any permit permissible permission to report anything negative or positive on my credit report and under 15 US C 1681 this is a violation of my rights never contracted or inquired about anything from them at all so I asked for proof

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: Open Dealer Exchange, LLC
State: CA

Complaint narrative:
I have never given these companies, any permit permissible permission to report anything negative or positive on my credit report and under 15 US C 1681 this is a violation of my rights never contracted or inquired about anything from them at all so I asked for proof

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: MS

Complaint narrative:
I am writing to request unauthorized credit inquiries on my TRANSUNION Credit Report. My latest credit report shows 3 credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and asking for their removal from my credit report. 
INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/year> INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/year> INQUIRY ACCOUNT NAME : XXXX XXXX  DATE : XX/XX/year>

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