vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
Currently showing on my credit report is XXXX XXXX balance due. After reviewing my credit report I see that Foursight Capital Charged the account off reported XX/XX/year> which means they received a tax credit for the Charge Off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NE

Complaint narrative:
On XXXX, I was supposed to receive {$150.00} through Cash App as part of a peer-to-peer trade arranged through XXXX. I received a Cash App notification that the money was sent. Based on this, I confirmed the trade on XXXX and released the asset the other party purchased. 

Soon after, Cash App cancelled the transaction and returned the funds to the sender, without notifying me in advance or giving me any chance to object. Because of this, the sender ended up with both the asset they purchased and their {$150.00} refunded. When I contacted Cash App, they told me to request the sender to resend the money. The sender refused, leaving me at a total loss. 
I contacted them and they fully ackinowledged that it was their interference in my transaction that caused my loss of funds. But said unfortunately theres nothing they could do about it. Their interference in my transaction with no cause directly resulted in my loss of {$150.00}. They do not feel responsibe for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-09-04 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: CA

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required XXXX business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I affirm that the inaccurate late payment remarks on my accounts violate 15 USC 1666. I have consistently made timely payments, and these discrepancies in reporting are both unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion deleted a collection account from my credit report on XX/XX/XXXX after I disputed it as fraudulent. Just XXXX days later, on XX/XX/XXXX, TransUnion reinserted the same account. This reinsertion violates the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ) because TransUnion did not provide me with the required written notice within five business days. 

This account is the result of identity theft dating back to XXXX, for which I have filed an FTC Identity Theft Report and a police report ( case number pending ). TransUnion has previously acknowledged fraud on my file, as I have had a fraud alert placed. 

By reinserting a previously deleted fraudulent account without proper notice or new certification of accuracy from the furnisher, TransUnion is in violation of : FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) ( failure to notify consumer of reinsertion ) FCRA 623 ( a ) ( 1 ) ( A ) ( furnishing information known to be inaccurate ) FCRA 616 and 617 ( willful noncompliance, subject to damages )

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 2025-09-04 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: VA

Complaint narrative:
the company XXXX XXXX  is reporting the incorrect account info on my credit report. they sold the account to XXXX XXXX. they have the dates the account was open and payment history and balance incorrect. i disputed these items numerous times only for them to respond that they are reporting correctly. i enclosed copies of the discrepancy copied from my credit report and i would like these incorrect items removed from my credit report 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 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/XXXX Subject : XXXX XXXX XXXX JPMorgan Chase Bank for Unexplained Closure of Personal Checking Account Ending in XXXX Long-Term Customer Dear [ XXXX ] Complaint Review XXXX, I am filing this formal complaint regarding the unexplained closure of my personal checking account ( ending in XXXX ) by JPMorgan Chase Bank , N.A . on XX/XX/XXXX, without prior notice or explanation. Due to the closure, I no longer have access to the full account number, but Chase can locate my account using my email ( XXXX ), phone number ( XXXX ), and date of birth ( XX/XX/XXXX ). This closure has significantly disrupted my personal finances, and I seek your assistance in investigating and resolving this matter. 
As a Chase customer for several years, with no prior issues, overdrafts, fraud reports, or policy violations, I am unclear why my account was closed. I reside at the same address as my father, XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, MI XXXX ), whose personal and business accounts were similarly closed but reopened after his appeals to Chases XXXX office ( Case ID XXXX ) and complaints to your agencies. My sister XXXX ( CFPB ID XXXX ) and brother XXXX ( CFPB ID XXXX ) also had their accounts closed on the same date and have filed similar complaints. The lack of notice or explanation for my account closure may violate federal regulations requiring banks to disclose reasons for adverse actions. 
I respectfully request : XXXX of XXXX actions for potential violations of consumer protection laws. 
Reinstatement of my personal checking account ( ending in XXXX ). 
A written explanation for the closure, including steps to prevent future issues. 

Attached are relevant documents, including any account statements ( if available ) and correspondence with Chase. Due to the closure, I may be unable to access recent statements or the full account number, but I can provide additional information as needed. Please contact me at XXXX or XXXX. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report lists late payment entries that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report must only include information that is accurate, complete, and verifiable. I request verification of these late payment entries, and if they can not be confirmed, I ask that they be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I affirm that the inaccurate late payment remarks on my accounts violate 15 USC 1666. I have consistently made timely payments, and these discrepancies in reporting are both unjust and unlawful.

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 2025-09-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Universal Account Servicing, LLC
State: FL

Complaint narrative:
I was contacted about a debt in early XXXX related to an XXXX Account XXXX XXXX XXXX had been cancelled. The balance reported was also incorrect. 

Despite cancellation, XXXX XXXX reported the debt as valid to TransUnion, who marked it as verified. I disputed with TransUnion by submitting bank statements showing inconsistent billing amounts and that the full balance was not owed, along with written requests for phone records to confirm my cancellation. TransUnion still accepted XXXX verification, despite clear evidence to the contrary. 

I also disputed directly with XXXX XXXX multiple times, attaching bank statements and reiterating the cancellation. XXXX never provided written debt validation as required under the FDCPA, but continued collection activity, sending multiple collection demand emails between XXXX and XX/XX/XXXX ( see attached logs ) and calling me repeatedly. 

On XX/XX/XXXX, I spoke with a supervisor named XXXX for over XXXX minutes before being hung up on when I raised FDCPA violations ( phone log attached ). This was XXXX of at least XXXX separate calls where I was hung up on after asserting my rights. 

On XX/XX/XXXX, I sent XXXX a formal dispute and validation request by email with supporting statements. On XX/XX/XXXX, I followed with a written FDCPA violation letter citing ongoing collection activity without validation. On XX/XX/XXXX, I sent a final notice before escalation, copied to my attorney, warning that I would file with the CFPB and XXXX if not resolved. No adequate response has been provided. 

The contract in question was acknowledged by XXXX as cancelled in XX/XX/XXXX communications. If neither XXXX XXXX, XXXX, nor TransUnion can produce documentation proving otherwise, the cancellation should stand. 

As a result of this inaccurate reporting, my XXXX XXXX which has not been below XXXX in years has dropped into the XXXX, directly impacting my ability to run my small business, which relies on credit to operate and support my family. 

This account remains on my credit file as if valid, despite all evidence and despite repeated disputes. The harm is ongoing, and the pattern of ignored disputes, continued collection activity, and refusal to validate demonstrates systemic compliance failures by XXXX XXXX, with parallels to XXXX XXXX XXXX XXXX XXXX XXXX ( Case No. XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I submitted XXXX payments to my Synchrony Bank XXXX XXXX. The first payment was on XX/XX/XXXX for {$2900.00} and the second was XX/XX/XXXX for {$1400.00}. Both of these payments show that they were pulled successfully from my XXXX XXXX XXXX XXXX XXXX account on XX/XX/XXXX. These payments were process with XXXX as the intermediary. I don't know why. Synchrony shows that the {$1400.00} payment was accepted and the {$2900.00} payment was rejected. My XXXX account shows the funds processed through them on the appropriate dates that the payments were made. My XXXX account later showed a " XXXX '' on XX/XX/XXXX for {$2900.00}. This " XXXX '' has not been added to my XXXX balance, applied to my XXXX XXXX, or returned to the originating RBFCU account it came from. I have disputed the payment with Synchrony and they have denied the dispute. They did credit the rejected payment fee and temporarily removed the {$2900.00} from the balance accruing interest but have since added it back so I am now paying interest on a balance that was paid but nobody seems to know where the funds are. I have contacted XXXX directly and they gave me the phone number for Synchrony and said it was a Synchrony issue. Synchrony says they have found that no payment was made and it was rejected.

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 2025-09-04 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: TX

Complaint narrative:
Please remove this false and unrecognized account from my credit report, as it is not associated with me.

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 2025-09-04 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: GA

Complaint narrative:
I am writing to formally dispute the accuracy and legitimacy of the following account currently appearing on my Equifax credit report : Account Name : XXXX XXXX Account Number : XXXX * * * * * * Date Opened : XX/XX/year> Reported Balance : {$2300.00} Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I demand that Equifax conduct a proper reinvestigation into this derogatory item. The information being reported is inaccurate, unverifiable, and places me at risk of continued financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: MO

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent accounts on my report. Please remove these accounts, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-04 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: TX

Complaint narrative:
Trying to get XXXX for tooth replacement. no because of credit history so went into check credit filed disputes. Now experian sends report showing where they were now updating accounts, but the damage is done, and the credit has been report for months causing me to not get approvals.

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