vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 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: NY

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

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 2025-07-26 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: NY

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

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 2025-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: V and H Portfolio
State: FL

Complaint narrative:
I was a victim of identity theft and now have XXXX negative accounts affecting my credit : Vance & Huffman -- XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: GA

Complaint narrative:
Issue : Fraudulent XXXX  XXXX, XXXX, XXXX XXXX, and collection rental debt ( XXXX XXXX XXXX  ) unauthorized accounts ; false personal data Desired Resolution : Permanent deletion of all items, including collection account from XXXX XXXX XXXX XXXX Legal Basis : Alleged violations of FCRA 1681c2, e ( b ), i ( a ), s2 ( a )

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 2025-07-26 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: PA

Complaint narrative:
Final Notice of Intent to Sue for Willful Noncompliance FCRA Violations This letter serves as formal notice of my intent to file a lawsuit against Equifax Information Services LLC for willful noncompliance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On XX/XX/year>, I paid the full statement balance on my XXXX XXXX Credit Card with Chase ( {$6700.00} ), which included the total amount of my active XXXX XXXX XXXX plan ( XXXX ). 

XXXX XXXX XXXX XXXX plan was activated on XX/XX/year> and that same day, minutes after the activation, I called Chase to cancel the plan, since I was going to pay the full statement balance that monthly cycle, which included the total amount of the XXXX XXXX XXXX plan that was made. I was told by Chase that paying the full statement balance- which I confirmed included the full plan amount - would end the XXXX XXXX XXXX plan and stop any future plan fees. 

However, in the XX/XX/year> statement balance due on XX/XX/year>, I was charged a monthly My Chase Plan fee of {$34.00}, even though the plan amount has been fully paid off. I called Chase customer service and escalated to a supervisor. She acknowledged that I was given misleading information and even filed a complaint on her end. Still, she told me the system " doesn't allow '' her to cancel the plan or refund the fee unless the entire card balance is paid off - including unrelated purchases- which is completely different to what I was told when I called prior, to avoid any future fees being charged. 

This policy and the explanation are very confusing, misleading, and were not clearly disclosed. I paid what I believed was required to end the plan, as it is what I was told by Chase. I am now being penalized with an ongoing fee for something I already paid in full and it is still seen as " active ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: GA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : 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 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: NH

Complaint narrative:
Hello, I have a very big issue. For the period, the government was covering my federal student loan payments as part of a relief program, but without any prior notice, they abruptly stopped these payments in XX/XX/year>. This sudden change was never communicated to me, and as a result, my account started showing late fees and delinquencies that I did not cause. Each month now my credit is showing late fees which I am not causing from this issue. 
Despite multiple attempts to access my accounts and correct this on XXXX, Mohela, and other official platforms, I am completely locked out or blocked from taking any action. I can not make payments, update information on Mohela, or fix these errors because the systems do not recognize my information correctly, or they provent me from logging in altogether. No one from the services or government agencies has responded to my requests for help.

I have even tried filing disputes on my credit reports, but the damage continues every day. This situation is severely harming my credit score and financial stability. I am doing everything in my power to fix these issues, even contacting them via phone call i get no response.

I have taken the time to build my credit and secure all payments on time, this has damaged all of my progress and is setting me beyond far back.

The government 's failure to communicate and their broken systems are causing me daily financial harm, and I am not receiving assistance or resolution.

I urgently request a thorough investigation, the removal of all false late fees and delinquencies, restoration of access to my accounts, and a clear explanation of how this situation will be resolved promptly. I should not be punished for a problem I did not cause, and I demand that this injustice be corrected immediately.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I accidentally sent money to the wrong Cash App ( Block Inc. ) user due to a mistaken identity involving a pseudonym. I immediately contacted Cash App support to request a refund or to dispute the transaction.

Cash Apps support team informed me that I failed their four-letter match requirement, which they use to verify mistaken transactions. Specifically, they said that the XXXX XXXX XXXX XXXX XXXX sent could not be refunded because the Cash App username of the recipient did not share at least four letters with the intended recipients XXXX, even though XXXX letters matched. 

I offered to provide additional evidence to prove the mistake ( e.g., screenshots, context, communication ), and requested to speak with an escalation or fraud resolution team. My request was dismissed and no further steps were provided to help me recover the funds. 

I believe this process is unfair, lacks transparency, and penalizes honest mistakes. Cash App is withholding my money despite my good-faith efforts to resolve the issue quickly. Their internal policy for mistaken payments appears arbitrary and does not allow for reasonable proof or appeals. 

I am seeking a full refund of the transaction and a review of their process for handling mistaken payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX, XXXX. {$120000.00} wire transfer to XXXX XXXX, XXXX payment coordinator for XXXX XXXX XXXX XXXX, in XXXX XXXX XXXX The wire transfer was for payment of taxes for the XXXXXXXX XXXX XXXX XXXX. I requested the confirmation receipt from XXXX XXXX XXXX XXXX  XXXX, her associate, but never received it. Instead I was told the wire was forwarded to the " XXXX XXXX XXXX XXXX XXXX XXXXXXXX did not exist. 

XXXX XXXX, XXXX. {$170000.00} wire transfer to XXXX XXXX XXXX to obtain for several documents required to process the inheritance claim for the XXXXXXXX XXXX XXXX XXXXXXXX. I requested the confirmation receipt from XXXX XXXX, US-based payment coordinator for XXXX XXXX XXXX XXXX but never received it. The wire was intended to go to XXXX XXXXXXXX XXXX finance unit-which did not exist. 

These payments were ostensibly for outstanding documents & tax payment. on an inheritance claim for the XXXX XXXX XXXX XXXX The scam started in XXXX XXXX with an outreach by XXXX XXXX, the primary point of contact who was impersonating an executive at XXXX XXXX. I subsequently discovered this was a complete scam : wire fraud, impersonations and dozens of fraudulent documents. I've notified my bank, XXXX XXXX and filed multiple complaints to the FTC and FBI, to no avail. 

I have considerably more contact information on the scammers ( emails, phone numbers, addresses ).

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
I submitted a request to update my current address with all three credit bureaus ( Equifax, Experian, and TransUnion ), but I have not received any response. Please note that I have been living at the same address since I arrived in the United States and have not moved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX GA XXXX XXXX : XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX Subject : Request for Investigation and Removal of Inaccurate Information in Credit Report Dear Equifax Information Services LLC, I am writing to dispute certain inaccurate and/or incomplete information contained in my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit file, I have identified the following information that is either incorrect or incomplete and should be deleted immediately to ensure the accuracy of my credit report. 

Account Information to Be Disputed : Creditor Name : XXXX XXXX XXXX Account Number : XXXX-XXXX  Description of the Inaccuracy : Collection account that is not mine nor have I contracted. 

Under the FCRA, you are required to ensure that the information reported on consumers is accurate and complete. If you are unable to verify the accuracy of the information in question, it must be deleted from my credit file. I request that you investigate this matter promptly and correct or remove the inaccurate information. 

Please provide me with written confirmation that the investigation has been completed and the necessary corrections have been made. 

I expect to receive a response within the 30-day timeframe, as required by the FCRA, confirming the removal or correction of the disputed information. 

Thank you for your prompt attention to this matter. I look forward to your response and to a swift resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: NV

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute to Experian regarding two tradelines reported by XXXX XXXX XXXX ( XXXX ), account numbers ending in XXXX XXXX and XXXX XXXXXXXX. My dispute included detailed documentation showing that XXXX was engaging in unlawful collection activity through SMS short code XXXX, in violation of the FDCPA and TCPA. 

I provided a full Metro 2 compliance analysis showing multiple reporting violations, including incorrect Date of First Delinquency, improper account status codes, and missing documentation of ownership or assignment from the original creditor. I also explicitly instructed Experian that this dispute required manual review and must not be processed through E-OSCAR, citing the complexity of the legal issues involved and referencing the CFPB 's XXXX  enforcement against Experian for sham investigations. 

Despite this, Experian verified the XXXX accounts without providing any documentation from the furnisher, explanation of the investigation method used, or confirmation that the review was handled manually as required. This appears to be a perfunctory, automated verification process in direct violation of FCRA 1681i ( a ), 1681e ( b ), and 1681s-2 ( b ). 

Experians failure to conduct a reasonable investigation and disregard of my request for human review harms my creditworthiness and violates my federal rights. I am requesting enforcement action to hold Experian accountable for its repeated use of automated systems that fail to meet FCRA requirements.

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 2025-07-28 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: NJ

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: AZ

Complaint narrative:
I am writing to request that you block from my credit file certain information that I believe is the result of identity theft, as provided under 15 U.S.C. 1681c2 a of the Fair Credit Reporting Act ( FCRA ).

I did not authorize or participate in the transaction ( s ) listed below and have reason to believe they were the result of identity theft. The following information is fraudulent and should be blocked from my credit report : In a Four Day manner

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 2025-07-26 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: NC

Complaint narrative:
I have received a copy of my credit report and notice several inaccuracies and unauthorized accounts/information reporting to my credit report. The remarks have been detrimental to my life and credit health.

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I've identified some accounts on my credit report that are unfamiliar to me and were not authorized. These may have resulted from identity theft. Ive contacted you about this issue in the past and am now formally requesting that these accounts be deleted from my report as soon as possible. The stress caused by their presence is significant, especially since they dont reflect my financial habits or credit history. If we cant come to a resolution, Im willing to take legal action to protect my interests. These incorrect entries are standing in the way of major financial plans, such as homeownership and providing for my family. I hope this can be resolved without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: SC

Complaint narrative:
I am submitting this complaint regarding a XXXX account, which is being reported inaccurately and inconsistently by Experian and Equifax. Despite prior disputes, the bureaus have failed to correct the errors and continue to verify incorrect and conflicting information, in violation of the Fair Credit Reporting Act ( FCRA ). 

FCRA Violations : 1. FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] - Credit bureaus must report information with maximum possible accuracy. The different Date Last Active clearly violate this requirement.

2. FCRA 611 [ 15 U.S.C. 1681i ] - When a consumer disputes information, the credit bureaus must conduct a reasonable reinvestigation. Their refusal to correct or reconcile these BLATANT discrepancies after several disputes proves they have not fulfilled this duty.

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 2025-07-26 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: SC

Complaint narrative:
I am submitting this complaint regarding a XXXX account, which is being reported inaccurately and inconsistently by Experian and Equifax. Despite prior disputes, the bureaus have failed to correct the errors and continue to verify incorrect and conflicting information, in violation of the Fair Credit Reporting Act ( FCRA ). 

FCRA Violations : 1. FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] - Credit bureaus must report information with maximum possible accuracy. The different Date Last Active clearly violate this requirement.

2. FCRA 611 [ 15 U.S.C. 1681i ] - When a consumer disputes information, the credit bureaus must conduct a reasonable reinvestigation. Their refusal to correct or reconcile these BLATANT discrepancies after several disputes proves they have not fulfilled this duty.

Company response to consumer: Closed with explanation