vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Subject : Request for Removal of Unverified Negative Information FCRA Violation, Lack of 30-Day Notice, and Escalated Complaints Filed To Whom It May Concern, I am submitting this formal complaint and request for removal concerning inaccurate and improperly handled information appearing on my credit file. This matter involves a violation of the Fair Credit Reporting Act ( FCRA ) and a failure to follow federally required consumer notification procedures.

Furnisher/Creditor Name : XXXX XXXX XXXX XXXX Account Number ( if applicable ) : XXXXXXXX XXXX XXXX XXXX XXXX  Date of Original Reporting : XX/XX/XXXX During my previous dispute regarding this account, the furnisher reported negative information to one or more consumer reporting agencies without providing the required 30-day written notice, as set forth under 15 U.S.C. 1681s-2 ( a ) ( 7 ). Furthermore, upon formally disputing the accuracy of the item, I received no validation of the account within the statutory 30-day reinvestigation period under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

Because the information was never validated and the notice obligation was ignored, this entry should have been deleted under 1681i ( a ) ( 5 ) ( A ).

Due to the temporary suspension of FTC consumer intake during the federal government shutdown, I have escalated this matter by submitting formal complaints to the following agencies for record and oversight : Missouri Attorney General Consumer Protection Division ( Complaint filed approximately XXXX XXXX XXXX XXXX CST ) Internet Crime Complaint Center ( IC3 ) Complaint No. XXXX These filings document my attempts to seek resolution through lawful channels while the FTC system remains inaccessible.

In light of these procedural violations, lack of proper notice, and failure of verification, I respectfully request that this negative item be removed from my credit report either : As a matter of statutory compliance under the FCRA ; or As an act of goodwill, reflecting your commitment to fair and accurate consumer reporting practices.

Enclosed are supporting materials, identity verification, and documentation of the above complaints. Please confirm receipt of this letter and provide written notice of any corrective action taken.

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: LA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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:
My account with EQUIFAX XXXX  TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX XXXX  TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my second request for reinvestigation regarding inaccurate and unverified information that continues to appear on my credit report. I previously disputed these items, but they remain reported without proper verification or supporting documentation. The reporting agencies and/or furnishers have failed to provide proof of ownership, account validation, or accurate payment history despite my initial dispute. 

The information in question contains errors in reporting dates, payment status, and account balance, which have negatively affected my credit profile. The previous investigation did not address the inaccuracies in detail nor provide the results of verification as required under the Fair Credit Reporting Act ( FCRA ). 

I am requesting a full reinvestigation of these accounts, including written verification from the original creditor. If the furnisher can not verify the accuracy of the information, it must be deleted from my credit file immediately as it remains unverified and misleading.

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 2025-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: KS

Complaint narrative:
I previously filed a complaint with you guys regarding Cash App. They responded to you guys sahing that they were still working on it whicb is a lie. Attached iis a acreenshot ahowing rhat tbey have shut my account down and have blocked me from lagging into the site.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: MO

Complaint narrative:
I am submitting this formal complaint regarding inaccurate and unverified information being reported on my consumer credit reports by the following companies : XXXX XXXX XXXX ( Account : XXXX XXXX XXXX ) XXXX XXXX Reported as Charge Off, High Balance : {$0.00}, Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Account : XXXX ) * Reported as Collection, High Balance : {$390.00}, Date Opened : XX/XX/XXXX These accounts are being reported inaccurately and without proper verification. I have no knowledge or record of ever opening or authorizing any accounts with these companies. Under the Fair Credit Reporting Act ( FCRA ) 602 ( A ), 604, and 611, consumers have the right to accurate, fair, and verifiable credit reporting. Any unverified or unverifiable information must be removed immediately from all credit bureaus.

Additionally, both furnishers and the credit bureaus are
obligated under FCRA 623 to ensure the accuracy and completeness of information they report. Reporting an account that can not be substantiated constitutes a violation of my rights and may be considered willful noncompliance under FCRA 616. 

I am requesting that the CFPB investigate these companies and compel them to provide full validation of these accounts, including original signed agreements and complete payment histories. If they fail to verify their claims, I am requesting that these accounts be permanently deleted from my credit reports and that appropriate enforcement actions be taken for violating federal credit reporting laws. 

This inaccurate reporting has caused significant harm to my creditworthiness and peace of mind. I urge the CFPB to take immediate action to protect my rights as a consumer and to hold these entities accountable for their noncompliance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: LEXISNEXIS
State: AL

Complaint narrative:
I am filing a complaint against LexisNexis Risk Solutions and XXXX  for refusing to remove outdated and inaccurate information from my consumer report. Both agencies continue to report bank account data older than seven years and accounts that were closed under disputed or

illegal circumstances, in violation of the Fair Credit Reporting Act ( FCRA ), Section 605 ( a ). Details of the Complaint : I requested that LexisNexis and XXXX  delete or suppress bank account records that are : More than seven ( 7 ) years old, which exceeds the reporting limit under the FCRA.

Accounts that were closed illegally or without due process by financial institutions that did not provide notice or an opportunity to dispute the closure. 
Despite submitting written disputes and providing supporting evidence, both LexisNexis and XXXX  have refused to correct or remove these entries, continuing to harm my ability to open new accounts and maintain fair access to financial services. 

Their failure to reasonably investigate and delete inaccurate or outdated data constitutes noncompliance with FCRA 611 ( 15 U.S.C. 1681i ) and 605 ( a ), which limit the reporting of obsolete adverse information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I dont understand as a customer of many years with AMEX with an account that has always been in good standing how they can tell me I cant use my card out of nowhere unless I make an egregiously high payment within 3 days. I have XXXX on a card that has a XXXX limit so I am nowhere near my limit. I have always made my payments and paid off this card in full multiple times. My debt with other cards has nothing to do with AMEX nor my ability to make my payments. You can not expect people to make huge payments well over the minimum stated within 3 days of getting a notice when the minimum has always been given advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: MD

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous 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 non-monetary relief
Consumer complaint received 2025-10-30 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: MD

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-30 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-30 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: CT

Complaint narrative:
Since XXXX of 2024, i've been trying to get my account fix, i had fraud on my account and they fixed it the first time around, then it kept happening and chase continued to send out multiple cards with different numbers and with different card services, my account is currently between XXXX to XXXX more then what it should be, i spoke to a supervisor with fraud department and she instructed me to send in all the correct valid charges so they can clear everything else out, she guaranteed me this would be fixed with no issues or drawbacks .. my account has been collecting interest and late fees cause i am not paying anything till it is fixed, to be honest and fair, i shouldn't be held responsible to anything since i've been waiting so long, this fix was promised to be by a supervisor because chase wants to help and protect their customers but in my case, they just want to continue to charge me more and more and more and refuse to fix my problem

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: TX

Complaint narrative:
This account was opened by a credit repair company to add a tradeline to my credit report and I did not initially give them the authorization to do this.They also mentioned that they set it up on auto pay and all their clients are experiencing issues with XXXX XXXX payment application glitching and causing false insufficient funds error after the payment is made in the system. They have been notified of this and have done nothing to fix this. 
However since my initial complaint XXXX has stated that they have sent info into the credit bureaus to reverse the 30 days late and it will take up to 60 days. I need this corrected urgently because this has hindered me from getting the credit that I need. Please correct this expeditiously.

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 2025-10-30 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: GA

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: NY

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX I received my monthly statement from Webster bank. In that statement I saw there were withdrawals that I did not make. I called to put a stop on my account and was unable to do so. On XX/XX/XXXX I went to Webster bank. There I put a stop on my account and so that bank could investigate all the withdrawal of XXXXXXXX XXXX The bank informed me off all the withdrawals and that it would be investigated. On XX/XX/XXXX I received another letter from the bank the investigation was done and 4 withdrawals will not be credit back to the account. Reason being a card was used and swiped to take out the money. I call back and stated that I was not the one withdrawing those amounts from my account. Atm 's have cameras check the footage and compare it to me and I gave them my license number. I also told them that I never lost my debit card and I never gave anyone my card to use. On XX/XX/XXXX I received another letter stating the rest of the withdrawals were not going to be credited back to the account because a card was used and swiped. These are the dates, banks and amounts that were withdrawn from my account. 
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

Company response to consumer: Closed with explanation