vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: OH

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

Everything on FTC and PDF is fraud Remove immediately!

15 USC 1681c-2 I did not authorize. Block Remove immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Payment is due the XXXX. I made payment XXXX for a payment due XX/XX/year>. 12 days early. I accidentally put in wrong digit. Was caught on XXXX. I called in the payment. Still 4 days early. Due to the kickback payment the cancelled my card. Even though it was still early.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: MO

Complaint narrative:
I am writing to formally request the immediate blocking of the following accounts from my credit profile under Section 605B of the Fair Credit Reporting Act ( FCRA ). These accounts are either inaccurate, unauthorized, or the result of identity theft or fraudulent activity, and therefore should not be reported on my credit file. 

The accounts in question are : XXXX Account Number : 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 Account Number : XXXX In accordance with FCRA Section 605B, I request that you block these items from appearing on my credit report within 4 business days of receiving this notice. As stipulated by law, credit reporting agencies must block information resulting from identity theft or unauthorized activity once proper documentation is provided. 

To support my request, I have enclosed the following documents : A copy of my government-issued ID A recent utility bill ( proof of current address ) A copy of my credit report with the disputed accounts clearly highlighted [ Optional : Police report or FTC Identity Theft Report, if applicable ] Please confirm in writing that these accounts have been blocked, and provide written confirmation within the 4-business-day timeframe.

Failure to comply with FCRA Section 605B may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory authorities

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, which is a Wednesday.... A process server showed at my house at XXXX XXXX to deliver lawsuit paperwork from American Express Legal regarding the suit they filed against me for me not paying them a sufficient amount of money to repay credit card debt on a closed business credit account. They said they had locked me into an agreement, an agreement which I never signed in the first place, and continued making my regular minimum payments that was in XXXX and XXXX on Amex account. The process server said she couldn't leave paperwork with my wife who answered the door, and will retry on Saturday, XX/XX/XXXX. She never showed back up, not one time. I then was going through my mail on XX/XX/XXXX, which was a Saturday, saw this package from AMEX legal.... They had dropped it off in my mailbox instead oh handing it directly to me. I then called AMEX legal on XX/XX/XXXX and talked to them, and told them I had made payments, and that I never signed the so-called agreement that they had said I did. I also have documentation of that as well, me saying I am not signing the agreement. They then said, well, if you don't pay us this amount, we will go through with the lawsuit. I then entered into an agreement with them to pay them XXXX last Monday the XXXX, XXXX today which is the XXXX, and XXXX next Monday which is the XXXX ... and then XXXX a month until XXXX of XXXX which would be the end of the agreement. I then get a message from my neighbor holding a set of papers that were supposed to go to me, and me only ... He stated that the paperwork was sitting on his porch, in a clear envelope with my name and address and paperwork in it. It states my name, my address, and an order for alternative service to give notice of the suit. I also have documentation of this as well, stating that anyone over the age of XXXX is sufficient enough to give the notice of suit to. But .... my neighbor is not related to me, and should have been given my info, or the notice of suit to. It is a direct violation of the FDCPA, and I don't appreciate my business being out there for other people to see ... that don't need to see. I have contacted AMEX legal regarding this, and all they have said was if I have an attorney, they are required to speak to them. I informed them that I have an attorney which I retain every year, but I have not given him this info or paperwork to look into.This is a very serious matter to me, and needs to be dealt with accordingly.... whether that be in a courtroom, or on the phone, or thru some other means. I did not give them permission to drop paperwork off somewhere else other than my house, nor did I ever speak to or see a process server from AMEX Legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Issue with CHASE BANK, improper release of deceased funds I am the Surviving Spouse my husband passed on XX/XX/year> Shortly after his passing on XX/XX/year> I went in person to a Chase Bank branch and submitted : His Death Certificate, listing me as Surviving Spouse Our Marriage Certificate His Will, naming me as Trustee I was told the account would be frozen for 30 days, and I received electronic notices confirming that freeze. I trusted the banks process and prepared to return once the freeze expired. 

However, after the 30 days, I returned XX/XX/year> to find that Chase had already released the funds to his adult daughter someone who : Is not the spouse Was not on the account Had no court-appointed authority Was not named in the Will She was apparently able to access the funds because she came in before I returned. Chase told me she signed an affidavit. However, she had no legal right to the funds, and I had already : Reported his death and is listed on death certificate as surviving spouse Submitted legal estate documents ( not recorded by banker when offered ) should have been recorded by the bank as the first contact and next of kin This is not a family issue. This is a procedural failure on Chases part : They failed to honor the legal significance of my early notice and documentation They released funds to someone without verifying court authority They failed to notify or contact the previously documented Surviving Spouse before disbursement I am requesting a full explanation and reimbursement of the funds that were wrongfully released.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: LA

Complaint narrative:
Experian and XXXX  has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and XXXX alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and XXXX inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: CA

Complaint narrative:
the company said my account was closed down for some reason it was doing some fraudulent, it because my phone got stolen and whoever was stealing my phone must've did some fraudulent on my account for some reason my account got closed down.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Idaho Housing And Finance Association
State: TX

Complaint narrative:
I have two loans ( one FHAXXXX {$210000.00} and a second lien- {$9400.00} ) with Home Loan serv. On XX/XX/XXXX, Home loan contacted me and informed me that the loan was being referred to the preforeclousre department for lack of payment. On XX/XX/XXXX, we informed Home loan serv that the property had a sales agreement in place and that the home would close on or before XX/XX/year>. My husband sent the sales contract over to Home loan serv as they requested for their file. On XX/XX/year>, the home closed and on XX/XX/XXXX, the sale was fully funded. On the morning of XX/XX/XXXX, Declaration Title sent the wire to Home Loan Serv for the amount listed on the payoff. As of today, XX/XX/XXXX Home loan serv has not applied the received funds to payoff the loan and are unable to provide me with a reason why they have not applied the funds. Between XX/XX/XXXX and XX/XX/XXXX, I have called Home loan serv at least 10 times to be given clarity as to why the funds are being held and not applied. Home Loan serv representatives have given me the runaround and have been unable to confirm when the funds will be applied. On XX/XX/XXXX, I called and spoke with a representative who claimed that the funds would be applied within 24 hours and that was not done. Additionally, my husband has called a few times to which at one point he was told they never received the funds, although I have confirmed all eight times I have called that they have received the funds. Additionally, I have not been able to speak with the preforeclosure department or a supervisor to get this situation resolved and it is currently negatively affecting my credit with delinquent days and an inaccurate balance. 
Today I spoke with a XXXX who claimed that the reason the wired amounts were not applied is due to a {$39.00} shortage ( legal fees ). I told XXXX that does not seem correct as when the title company requested the payoff amount, they would have sent the request to good through XX/XX/XXXX as that was the original close date. She did not seem to have an answer and claimed that a supervisor would need to look at this but she was not going to " interrupt '' her as she was in an interview. I expressed frustration as this is the first time I had heard of a shortage and that it was crazy to be holding up payoff loans over hundreds of XXXX XXXX XXXX for {$40.00} and no one from Home Loan Serv never contacted us about this supposed shortage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Army and Air Force Exchange Service
State: UT

Complaint narrative:
I am filing a complaint regarding inaccurate and conflicting reporting by XXXX in connection with my AAFES/Military Star Card account. 

This account is marked as " Paid, closed '' as of XX/XX/XXXX ; however, XXXX  continues to report the account as being in collection status every month from XX/XX/XXXX to XX/XX/XXXX. These two statuses conflict directly - an Account that paid and closed can not legally or logically be reported as an ongoing collection. 

Additionally, the balance is listed as {$0.00} in some places, yet {$540.00} appears in others, with no recent payment activity or explanation. The last payment date is shown as XX/XX/XXXX, yet no payments are reflected in the history afterward. 

I have disputed this account directly with XXXX, but they continue to dismiss my disputes with vague responses stating they " update unrelated information. '' The account remains unchanged and inaccurate. This constitutes a violation of the Fair Credit Reporting act ( FCRA ) 611 for failing to conduct a reasonable reinvestigation and failing to correct or remove unverifiable information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Blockchain.com, Inc.
State: MO

Complaint narrative:
I have an unresolved issue with Blockchain.com ( Ticket XXXX XXXX  ). Since XX/XX/year>, my funds have been locked with no explanation. 
I reported a compromised recovery phrase and potential fraud to support. Despite repeated attempts to escalate the matter, Blockchain.com has responded only with automated messages like please be patient, and has taken no action to secure my account or provide answers. 
I am concerned that the companys failure to respond to a reported security alert violates reasonable customer protection standards for virtual asset services. 
I am seeking an immediate review by their compliance or fraud team and access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: MI

Complaint narrative:
I am filing a formal complaint regarding numerous inaccuracies on my credit report which are severely impacting my creditworthiness. These include an inaccurate address, multiple accounts showing erroneous late payments, one collection not belonging to me, and unauthorized hard inquiries. I have attempted to resolve these issues directly with the credit reporting agency, but they failed to properly reinvestigate. I request that the Consumer Financial Protection Bureau intervene and ensure these errors are removed under applicable laws. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX Address Law : FCRA Section 609 ( c ) ( 2 ) ( A ), Section 602 ( a ), Section 611 Issue : This address is inaccurately reported and does not belong to me Story : I have never lived at this location and it does not pertain to any legitimate credit transaction in my history, maintaining it on my report misrepresents my identity and residency XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Address Law : FCRA Section 609 ( a ) ( 1 ), 611, and 602 ( b ) Issue : This address is incorrect and has no relationship to my personal or financial history Story : The inclusion of this address could associate my profile with unknown financial behavior or third-party accounts and must be removed to maintain accuracy and protect my consumer file I request immediate investigation into all the items listed above. Please ensure the credit bureaus comply with all applicable provisions under the Fair Credit Reporting Act and remove any and all inaccurate, unverified, or unauthorized items. I am attaching my ID and proof of address with this complaint for verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Grow Credit Inc
State: NC

Complaint narrative:
I am disputing inaccurate credit reporting from Grow Credit , Inc.

My credit report shows a Date of First Delinquency as XX/XX/XXXX, but Grow Credit confirmed in writing that : My last payment was made on XX/XX/XXXX Two additional charges occurred on XX/XX/XXXX and XX/XX/XXXX No payments were made after XX/XX/XXXX This timeline does not align with standard billing cycles, and the delinquency date appears inflated to report a XXXX late that XXXX not be accurate. The account was written off in XX/XX/XXXX, years later. 

I contacted Grow Credit and requested they either correct the Date of First Delinquency or delete the tradeline due to the conflicting information. They refused to do either and continue to report it with inconsistent documentation. 

Under the Fair Credit Reporting Act, furnishers are required to ensure that the data they report is accurate, complete, and not misleading. I am requesting that the CFPB review this account and require Grow Credit to : Correct the credit reporting to reflect the accurate delinquency timeline, OR Fully delete the account from all credit bureaus due to unverifiable or conflicting data.

Company response to consumer: Closed with explanation