vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: GA

Complaint narrative:
This letter serves as a formal dispute and demand for deletion pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, which mandates the reinvestigation of inaccurate, incomplete, or unverifiable information reported in a consumers credit file. I am demanding an immediate reinvestigation and deletion of the following account from my credit file : Disputed Account Information : Unauthorized Credit inquiryXXXX XXXX Inquiry date-XXXX XXXX XXXX XXXXAcct # XXXX LEGAL GROUNDS FOR REMOVAL : Under 15 USC 1681i ( a ) ( 1 ) ( A ), once a dispute is filed, you are legally obligated to conduct a full and proper reinvestigation. Any item that can not be verified with complete accuracy must be deleted from the consumer 's file within 30 days. I am exercising this right and demanding strict compliance. Additionally, 15 USC 1681i ( a ) ( 5 ) ( A ) states that any disputed item that : can not be verified must be deleted from the file of the consumer. Let me be clear : unless you can furnish original documentation with my wet signature proving I originated this account, you must delete it. That means no screenshots, no digital entries, no data dumps from the furnisher I want the actual original contract bearing my live signature as verification. Anything less is legally insufficient under federal law. Per 15 USC 1681i ( a ) ( 2 ) ( B ), if the furnisher fails to respond or verify the account with sufficient evidence, you are required to delete the account immediately. YOU ARE HEREBY PUT ON NOTICE : You have 30 days from the receipt of this letter to complete a lawful investigation. If this account is not 100 % verifiable, or if no documentation bearing my wet signature is produced, the account must be permanently deleted. Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I am also prepared to pursue civil litigation under 15 USC 1681n and 1681o for any willful or negligent noncompliance with federal law, where damages of up to {$1000.00} per violation, plus punitive damages, attorney fees, and court costs may be imposed. I expect this matter to be handled with the utmost urgency and in full accordance with federal law. You are not above the law. If this account is not verified to the letter of the law, it must be deleted without delay.

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 2025-06-17 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: NJ

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Do not have exact dates but I have been an authorized user of my wifes Apple Card account for years. Goldman Sachs and Apple refuse to report it because I am a participant. Ive made several attempts over the past few years to resolve this and no luck. They even have a disclaimer on their emails saying they must report this to my credit report due to me being the spouse of the account owner. They also gave me a run around on a recent approval for my own card that would not let me accept the terms and conditions to get my card. I just want the years of positive history reported to my credit report as my right under the equal credit opportunity act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : DEMAND FOR IMMEDIATE REMOVAL OF ILLEGAL REINSERTION FCRA VIOLATION FINAL NOTICE BEFORE LEGAL ACTION I am writing to address an outrageous violation of my rights under federal law. You have unlawfully and knowingly reinserted an account that was previously deleted from my credit report without providing the legally required notice. This is a direct and willful violation of the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 5 ) ( B ).

The following account was previously deleted after a lawful dispute process, but it has now been reinserted on my credit file without : Written notice of reinsertion within five ( 5 ) business days, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ) Certification of accuracy from the data furnisher, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ( i ) XXXX XXXX XXXX Let me be perfectly clear : this was not a clerical error. This was a deliberate, fraudulent act that has caused me serious and measurable harm. Because of your illegal reinsertion of this account, I was denied a mortgage loan that would have allowed me to purchase my first home. Your unlawful actions have directly caused me to lose thousands of dollars in earnest money, legal fees, appraisal costs, and to suffer extreme emotional distress. I will no longer tolerate your reckless disregard of my rights. Per 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), you were required to do the following 1.

2. 
Obtain a certification of accuracy from the furnisher of the information Provide me with written notice of the reinsertion within five ( 5 ) business days You did neither.

This is an act of : Fraudulent reporting Deceptive consumer practice Intentional financial harm I am demanding the following, effective IMMEDIATELY : 1 of 2 Permanent deletion of the reinserted account 1.

2.

3.

A written explanation of why this account was reinserted without proper certification and without notice to me Certified proof of compliance with FCRA 1681i ( a ) ( 5 ) ( B

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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:
I expect you to give proper attention to this issue. Given how important my credit is to me, I need all incorrect information on my report to be investigated and corrected as soon as possible. Please remove any inaccurate entries. I require for a quick resolution to this issue, which I think would be fair enough considering the damages it has done to my life. Resolving this matter would bring me peace of mind and greatly support my financial goals.

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 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I have XXXX concora credit card accounts. All three are on autopay for the minimum payment and then I will pay more as needed. 
Concora continues to cancel my autopay and then charges me a late fee the next day after pay payment should have been paid. They send me an email the following day stating that I unenrolled in autopay which is not the case. I set up autopay again and then see that they hit me with another late fee and well as an overlimit fee if im close to my limit. The overlimit fee is {$28.00} and the late fee of {$33.00} and then charge me {$30.00} interest when the minimum payment is only {$49.00} This is definitely intentional cause when I've called they've apologized and waived the late fee but won't ever wave the overlimit fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
My personal information was stolen due to the negligence of Cash App. On XX/XX/XXXX I attempted to add {$200.00} from my XXXX account into my cash app account. I never received the {$200.00}. it appears who ever hacked into my cash app account received those funds and has been making purchases under my name. I have reported the card stolen and have contacted Cash App customer support asking them to do an investigation. They have given me several case numbers and say they are working on it but nothing has been done. After I noticed the funds were not available in my account, XXXX refunded the money immediately and cash app took it back out. I've been going back and forth between Cash app and XXXX ever since XX/XX/XXXX and I'm am now negative XXXX in my XXXX account and they are considering this an over due debt which is affecting my credit score and is causing severe XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$820.00} UNAUTHORIZED COLLECTION - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$900.00} BANKRUPTCY - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ability Recovery Services, LLC
State: NV

Complaint narrative:
Hello, my name is XXXX XXXX, the account below was reported again on XX/XX/XXXX it was originally reportedin XXXX as you can see it was reroprted as date opened XX/XX/XXXX. This information is incorrect and I need your help. This was intentionally reported to damage my credit report as it's 2 years beyond the state staue to collect. I think it should be illegal but I appreciate your help so much. Have a great day. 

XXXX XXXX Cell XXXX Email XXXX XXXXXXXX Account Name Account Number Balance Monthly Payment ABILITY RECOVERY SERVICES LLC XXXXXXXX XXXX XXXX XXXX XXXX  {$730.00} - - -No Data Account Information Address XXXX XXXX XXXX XXXX XXXX  PA XXXX Phone XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type XXXX XXXX  Balance {$730.00} Date Updated XX/XX/XXXX High Balance {$730.00} Original Creditor XXXX XXXX  ( XXXX  ) Past Due {$730.00} Pay Status >In Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks ACCT INFO DISPUTED BY 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 2025-06-17 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:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit report all of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-06-17 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: W&A Intermediate Co., LLC
State: OH

Complaint narrative:
Ive been a victim of a data breach several times and I believe my info was used to open these accounts that are showing on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: RI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX RI XXXX INQUIRIES : XXXX Date : XXXX/XXXX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : 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 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 2025-06-17 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica
State: TX

Complaint narrative:
I ordered a replacement XXXX XXXX XXXX  in XX/XX/year> because I needed access to the {$1000.00} that had been deposited. I was told the card would arrive by XX/XX/XXXX, but it is now XX/XX/XXXX and I still have not received it. Ive called customer service at least four times. Each time, I went through a full identity verification process, was promised the card would arrive soon, and was given two different delivery datesboth of which passed.

When I call, Im placed on hold for hours, transferred to a supervisor, but Im just looped back to the beginning of the call menu and forced to start over. This has happened every time. The XXXX XXXX escalation line is disconnected and does not work. 
I have {$1000.00} on this card that I need to pay rent. Ive now lost my job and am at risk of losing my home because I can not access my own money. This is unacceptable, and Im requesting urgent resolution, supervisor follow-up, and immediate reissuance of the card with overnight delivery.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am a victim of identity theft and did not authorize nor open these accounts. Under 15 U.S. Code 1681C-2, I have formally requested the credit bureaus to block and remove these fraudulent accounts from 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 explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Bank errors in billing and reporting are damaging my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to report payments accurately, but I have identified serious issues. Payments I made were either not recorded correctly or miscalculated, and I was not given the required 21-day notice before a payment was duemaking any late marks invalid. These reporting mistakes are a violation of federal law and are unfairly affecting my credit standing.

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 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX  SINCE I GOT MY FIRST CREDIT CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. WOULD GIVE MY MONEY TO THEM AND OTHERS I DO NOT OWE MONEY TO WITHOUT ASKING ME " I HAD TOLD THEM TO NOT PAY ANY CREDIT CARD AS THEY ALL WERE CHARGING ME FOR OTHERS PURCHASES WITHOUT ASKING OR TELLING ME I LOOKED FOR A WAY TO TELL THEM ALL I SAW WAS " HELP ''. I HAD ALREADY REMOVED CREDIT CARDS FROM THEIR LIST BUT CAPITAL ONE PAID THEM ANYWAY I ALSO TOLD CAPITAL ONE BY XXXX NOT TO PAY CREDIT CARDS & OTHERS I DID NOT USE OR EVEN KNOW WHO THEY WERE NOT TO PAY THEM. BUT DID!!!! 

WANT MONEY BACK

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I was involved in a spoofing incident with a person impersonating working for Chase. They called me on XX/XX/2025 asking if I had charged {$68.00} to an online website that day. I said it was not me and I had not used my credit card that day. They said they would decline they payment and issue a new card. They asked me my security questions including asking for my SSN to get my new card which I provided them this information. They then asked me to confirm the amount of my last payment, current balance on account, and current credit used. I explained I could not confirm until I logged in and I didn't remember my username and password. They then sent me a confirmation number to my cell phone to read out to them to confirm it was me. I gave them number sent and they provided me with my username and password which granted me access to my account. They had clearly already hacked my Chase account because they already knew my payment information and balance and amount of credit before I did. They went on to ask me my drivers license number which I gave them. They then asked my weight on my DL and that is when I hung up and thought that was suspicious. I called the number on the back of my Chase card. They confirmed that this phone call was fraudulent and transferred me to the identity theft department. I now have stronger security on my Chase account and new card. Chase identity theft department advised me to submit a claim on identitytheft.gov which led me here. I have also notified local police department and put fraud alert on my credit bureaus. I have also changed passwords to accounts including email. I plan on reaching out to XXXX to have antivirus scans run on all my devices per advise from Chase identiy theft department.

Company response to consumer: Closed with explanation