vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am submitting this complaint because my credit report contains several inaccurate, unverifiable, and unauthorized items. These errors are harming my credit profile and violating my consumer rights. I am requesting CFPBs intervention to ensure proper correction or deletion. 

ADDRESS XXXX XXXX XXXX XXXX, IN XXXX I have never lived at or used this address, and it has no connection to my identity. Keeping an address that does not belong to me violates federal accuracy requirements and must be removed. 

XXXX XXXX XXXX XXXX, MI XXXX This location has never been connected to me. It must be deleted because it makes my identifying information inaccurate. 

XXXX XXXX XXXX XXXX, MI XXXX I have never lived at or used this address. It creates false identity data and must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX This address is not mine and must be deleted for accuracy under federal law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX I have no link to this address. Its presence on my file violates accuracy requirements and must be removed. 

XXXX XXXX XXXX XXXX XXXX IN XXXX This is not my address, has never belonged to me, and must be deleted. 

XXXX XXXX XXXX XXXX, OH XXXX This incorrect address appears more than once despite having no connection to me. Duplicate incorrect identifiers further compromise accuracy and must be permanently removed. 

XXXX XXXX XXXX XXXX XXXX, IL XXXX This address has never been associated with me and must be deleted immediately. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} I do not recognize this collection, have never done business with this company, and never authorized any debt with the original creditor they claim to represent. Any unverified, unknown, or unsupported account must be deleted under the reinvestigation requirements of federal law. 

INQUIRIES XXXX XXXXXX/XX/XXXX I did not approve this inquiry. Any non-permissible access must be deleted. 

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize this inquiry. It must be removed immediately as it does not meet legal permissible-purpose requirements. 

I request a full investigation and immediate correction or deletion of all inaccurate items listed above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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:
See the attached FTC report on identity theft by the furnisher.

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 2025-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
See the attached FTC report on identity theft by the furnisher.

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 2025-12-09 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: AR

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX I went to Wells Fargo and deposited a check into my account. For about XXXX at that time they told me they could not release my funds due to my job. I contacted my job and they advised that there is no hold on my check, I then contacted Wells Fargo again. I was told that XXXX XXXX and some cents would be deposited the next day, and then the remaining balance would post today which is XX/XX/XXXX. I spoke with a banker on Friday who advised that the XXXX XXXX and some cents had been available the same day that I deposited the check. Mind you before I came into the bank on XX/XX/XXXX I had XXXX XXXX and some odd cents already in my account. Today when I called Wells Fargo I was advised that the XXXX XXXX and some odd dollars had already been released but could not provide me a date.

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 2025-12-09 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: TX

Complaint narrative:
As I have always paid on schedule, this late payment notation is inaccurate and unjust. I ask that it be deleted right away and that my account be properly updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I am submitting new evidence regarding a {$150.00} refund for XXXX XXXX # XXXX. On XX/XX/2025, I participated in a three-way call with Chase and XXXX. During the call : XXXX confirmed directly to Chase that the refund had been issued. 
They provided a transaction/reference number for the refund. 
XXXX clarified that any previous conflicting information was an internal error and that the refund had been properly processed. 
I have supporting documentation, including the phone record and screenshots from the call. 

Despite this confirmation, Chase has not yet posted the refund to my account. I am submitting this complaint to ensure the refund is properly credited and to provide new documentation supporting this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: OH

Complaint narrative:
I am filing a formal complaint regarding Kikoffs continued reporting of late payments that resulted solely from an expired payment method, combined with Kikoffs failure to suspend billing, failure to provide adequate notice, and refusal to apply proportional correction despite immediate remediation. 

My Kikoff account functions primarily as a subscription-based credit-builder service, under which Kikoff periodically advances only {$60.00} in principal at a time. The late payment at issue occurred solely because the debit card on file expired, not because of financial inability, intentional neglect, or refusal to pay. Once I became aware of the issue, I immediately updated my payment method and resumed payments without delay. 

Kikoff operates as a subscription-based service that requires active billing to continue participation. However, instead of suspending or canceling service for non-payment as a reasonable consumer would expect, Kikoff allowed the subscription to remain active and only advanced credit after a payment was missed. In effect, Kikoff did not pause service when billing failed, but instead converted a failed subscription payment into a credit advance that was then reported as delinquent. 

This practice : Prevents consumers from exiting the service for non-payment, Artificially generates reportable credit activity after billing failure, and Creates negative credit reporting instead of simply suspending a subscription, which is an unfair and abusive billing structure. 

Failure of Meaningful Notice During the delinquency period : Kikoff relied exclusively on electronic notifications ( email/SMS/app ) ; I was temporarily locked out of my email account due to a password access failure, meaning I did not receive actual notice ; Kikoff sent no delinquency notices through XXXX mail, despite this being a credit-reporting account ; No fees were charged ; and the account was quickly brought current once the issue was discovered. 
Despite these facts, Kikoff continues to report late payments that caused an approximate XXXX-point drop in my credit score, which is grossly disproportionate to the {$5.00} {$25.00} minimum payments involved and the {$60.00} principal advanced. 

Although Kikoff claims it is bound by strict lending regulations, nothing in the Fair Credit Reporting Act prohibits goodwill or proportional correction, particularly where : The delinquency was technical in nature, Notice was ineffective, A subscription was not suspended for non-payment, Credit was only advanced after a missed payment, And immediate remediation occurred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: DOLLAR MUTUAL BANCORP
State: OH

Complaint narrative:
Summary : I submitted a written request to Dollar Bank on XX/XX/year>2025 to close my account. The bank acknowledged my request but refused to close the account. As a result, fees continued to accrue, transactions were approved that should have been declined, and the bank seized funds from a later deposit to cover the fees their refusal created. 

Details : I emailed Dollar Bank on XX/XX/scrub> 2025 requesting closure of my account. The bank responded with instructions requiring a physical letter or branch visit, despite having a verified email address and more than enough information to act on my instructions. 

After my written request, the bank allowed charges to continue, including small debits that should have been declined on a closed or restricted account. Dollar Bank then charged multiple overdraft fees. When a deposit was later made to the account, Dollar Bank seized approximately {$180.00} of the deposit to cover these fees. 

These losses would not have occurred if the bank had acted on my closure request when I submitted it. The fees are directly caused by their refusal to process my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: TN

Complaint narrative:
XXXX is reporting late payments on my credit report for XXXX, XXXX, and XXXX XXXX, but they have not provided billing statements, payment ledgers, or autopay logs to verify these delinquencies. The reporting appears inaccurate and unverifiable across all bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: TN

Complaint narrative:
XXXX is reporting late payments on my credit report for XXXX, XXXX, and XXXX XXXX, but they have not provided billing statements, payment ledgers, or autopay logs to verify these delinquencies. The reporting appears inaccurate and unverifiable across all bureaus.

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 2025-12-09 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: MN

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax and Experian credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: AR

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-12-09 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: CA

Complaint narrative:
There is an account on my credit report that does not belong to me. I have no connection to it and did not authorize it. I request a full investigation and its removal.

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 2025-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-09 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: WA

Complaint narrative:
Ive made 2 additional cashapp accounts in the last week and a half BOTH accounts were deactivated/ closed due to fraudulent app violations says the chat agents that Ive spoken to for clarification on WHY AND HOW my accounts were closed! Recently all Ive tried to do was dispute a transaction that I DID NOT WANT AUTHORIZED OR BECAUSE AN IN APP PURCHASE WAS NOT WORKING NOR RECEIVED! Ive heard nothing back from anyone besides the fact that they supposedly understand my frustrations clearly THEY DO NOT! This is RIDICULOUS AND I DONT UNDERSTAND THESE DECISIONS THEY WANT TO MAKE WITHOUT A CLEAR EXPLANATION AS TO WHY THIS HAS HAPPENED! I use cashapp for personal use and to give or receive money from friends and family if needed because currently Im out of work and need money to survive until I start working again

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I made two payments to AmEx on XX/XX/XXXX and XX/XX/XXXX for {$300.00} total and they still charged me late fee of {$29.00} even though XX/XX/XXXX was on Saturday. I called them but they refused to reverse the charge so I paid them off and asked them to close the account. Now they're telling me that they didn't get the request and still charging me interest on- {$160.00} over payment balance. This company is a fraud and use their power to destroy people credit history.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC XXXX ( b ) and 15 USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief