vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 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: NY

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-19 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: OH

Complaint narrative:
I talked to 2 representatives at Experian that refused to dispute my credit report since it was already disputed in XXXX of XXXX  to fix errors on my report that is not accurate. One representative said she see the documents that proves the report is incorrect but since its too blurry it will stay on the report! Experian has violated my rights as a consumer to not correct what is incorrect on my report and also stated that the reason XXXX cant dispute online is because the information was already updated in 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 2025-07-19 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: FL

Complaint narrative:
I am filing this complaint to report that all three major credit reporting agenciesExperian, XXXX, and Equifaxare inaccurately reporting late payments on XXXX closed and fully resolved accounts that show XXXX balances and no past due amounts. The accounts in question are XXXX XXXX XXXX XXXX XXXX XXXX, dated XX/XX/XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXXXXXX XXXX XXXX  These tradelines currently appear on my credit file with derogatory late payment remarks, yet both accounts are now paid, closed, and reflect a {$0.00} past due balance, making the continued presence of late payment notations entirely misleading and a violation of federal law. 

Under 15 U.S. Code 1681e ( b ), credit reporting agencies are legally obligated to maintain information with the maximum possible accuracy. It is fundamentally inaccurate to label a consumer as delinquent on an account that is closed and reflects no outstanding payment obligation. If a creditor accepted payment in full, closed the account, and the balance due is XXXX, the derogatory mark should not remain unless it is materially accurate and still relevant. It is not. Furthermore, under XXXX U.S. Code 1681i, once a consumer disputes an item, the bureau must conduct a reasonable reinvestigation and remove any unverifiable or inaccurate data. I have submitted multiple disputes providing ample evidence that these accounts were paid and closed with no remaining balance or past due amount, yet the agencies have chosen to retain the late payment entries without any new or validating documentation. 

Additionally, retaining this type of derogatory information is misleading to potential lenders, insurers, and employers, who are left with the false impression that I have failed to meet my obligationsdespite the fact that these accounts were resolved in full. This practice is not only a violation of the FCRAs accuracy provision, but it also directly undermines the spirit of fair credit reporting. Leaving derogatory marks on fully satisfied accounts causes undue damage to my reputation and financial credibility and is tantamount to publishing outdated, prejudicial, and incorrect data. 

The emotional and financial toll this has taken is not theoreticalits real. Ive been turned down for auto financing, subjected to higher interest rates, and even questioned during a job application process due to these misleading derogatory entries. Ive suffered persistent XXXX, embarrassment, and a loss of access to financial opportunities simply because the reporting agencies refuse to clean up what they know are inaccurate notations. It feels like being punished over and over again for something that has already been corrected and resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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:
I am writing in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditor that is reporting this information on my report and because of this I am now asking you for more information regarding these particular accounts in question 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 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 non-monetary relief
Consumer complaint received 2025-07-19 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: GA

Complaint narrative:
I am writing in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditor that is reporting this information on my report and because of this I am now asking you for more information regarding these particular accounts in question 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 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 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 2025-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing this complaint because Chase Bank denied my claim for a {$1600.00} charge from XXXX XXXX. Although the charge appears in my name, I never used or received any services from this booking. I have a legitimate XXXX XXXX ticket on similar dates through a different credit card, which I used to travel. This disputed ticket was never checked in, never flown, and no benefit was received. 

Chases fraud department denied my claim, citing IP address and name matching. The dispute department then refused to assist because it was originally treated as fraud. I am stuck between departments, yet federal consumer protections state I should not be held liable for charges where services were never rendered. 

I am requesting a full refund, as I did not authorize or use this ticket, and I received no service or benefit from this charge. Supporting documents include proof of my legitimate booking and XXXX XXXX confirmation that this disputed ticket was never flown.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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:
Please assist me in investigating accounts from these companies that are wrongly reporting late payments. My credit report shows late payments that shouldnt be therethese must be removed. I ask that you delete those remarks and update the accounts to reflect the positive status we agreed upon.

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 2025-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I am filing this complaint against Robinhood for unjustly restricting my investment account and withholding my funds without valid cause. I transferred money from my family members ( my sons ) bank account into my Robinhood account, unaware that this was against their policy since they allowed me to link and deposit from it without any warnings.

I also previewed a crypto transfer to see how the platform works but did not complete or send any crypto transaction. Despite this, Robinhood suddenly froze my entire account, including my cash balance, and has not responded to any of my emails.

This is my hard-earned money for my family, and I have done nothing illegal or fraudulent. I am willing to provide any documentation, identification, or verification required to prove my identity and resolve this quickly. I simply want my account closed and my funds fully returned.

I am very concerned about Robinhoods pattern of restricting accounts and delaying fund releases, causing extreme financial hardship to customers. I refuse to be subjected to this treatment and I am demanding immediate closure of my account and full withdrawal of my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 explanation
Consumer complaint received 2025-07-19 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: NC

Complaint narrative:
I am reaching out to request an investigation into these accounts due to inaccurate reporting on my credit report. Under USC 1681g, I am formally asking for their removal within 15 days. I have included all pertinent documents for your thorough review. In addition, the information related to these accounts is not only inconsistent but also incorrect across the major credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I discovered an unauthorized charge on my Capital One credit card statement. I reported this fraudulent charge to Capital One immediately upon discovery. 

Under the Fair Credit Billing Act ( FCBA ), consumers have protections against unauthorized charges and a limited liability for fraudulent transactions. Capital One advertises a {$0.00} fraud liability policy, which should protect cardholders regardless of when fraud is discovered. Denying my claim solely because the report was made beyond their internal 60-day reporting window is unjust and contradicts federal consumer protection laws designed to shield consumers from losses due to fraud.

Capital One has a legal and ethical responsibility to protect customers from unauthorized charges, and their refusal to reverse this fraudulent transaction disregards both their own policy and federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: LA

Complaint narrative:
Im just learning that CASHAPP was used to fraudulently to move money from my checking account via a XXXX XXXX  on numerous occasions between XXXX and XXXX XXXX i just learned that this was done by XXXX individuals through BLOCK INC , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Ive not determined IF the XXXX individuals, using the Company portal are employee 's. However, they are identified as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. i have an activity report from CASHAPP showing the activity of these XXXX. Recent attempts were denied because the account has no money in it. 

I AM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My cell phone is XXXX and my email is XXXX. My phone blocks UNKNOWN NUMBERS, so email me first and I can unblock your number for someone to call. 

FYI, I am XXXX XXXX XXXX, XXXX and have been taken advantage of.. I appreciate anything you can do to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: CA

Complaint narrative:
This complaint is being filed due to the continuous inaccurate, outdated, and unverifiable information being reported on my credit profile. These errors are severely affecting my ability to obtain housing, credit, employment, and financial stability. I have made numerous attempts to have these items corrected, but the credit bureaus have failed to perform a reasonable investigation as required under federal law. I am now requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene and enforce my rights under the law. I am disputing multiple addresses, accounts with charge-offs, late payments, collections, and unauthorized inquiries. Below is a detailed breakdown of each issue, the applicable law, and supporting information. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Law Issue : Pursuant to FCRA XXXX XXXX A, consumer reporting agencies must maintain maximum possible accuracy. Reporting a variation of this address with an incorrect XXXX is materially misleading and inaccurate. 
Story : I have never resided at this version of the address. It appears to be an incorrect duplicate with a ZIP code extension that causes confusion. I request immediate deletion of this erroneous listing from my credit file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$7900.00} Late Payment * * Law Issue : Under FCRA Section 623 ( a ) ( 1 ) ( A ), a furnisher of information must not report inaccurate data.

Story : The late payment reported here is incorrect. I had made timely payments through an auto-payment setup and have documentation to prove this. The error likely stems from Discovers internal system. Please remove the derogatory mark and update the account status accordingly. 
XXXX XXXX XXXXXXXX Law Issue : Duplicate inquiries for the same date and unknown entity constitute FCRA violations under Sections 604 and 607.

Story : This appears to be a duplicate or alternate label for the XXXX XXXX inquiry. I did not authorize multiple pulls or any at all from this company. Please remove this entry to reflect accurate and non-duplicative activity. 
I request the Consumer Financial Protection Bureau to enforce the removal of the disputed addresses, the incorrect and unverifiable account entries, and all unauthorized hard inquiries listed above. The bureaus and data furnishers have failed to provide documentation verifying the accuracy or legitimacy of these entries and have not corrected these items after prior disputes. This ongoing negligence is violating my consumer rights, damaging my credit score, and affecting my livelihood. I respectfully ask for immediate correction and full compliance with the FCRA, FDCPA, and all related statutes.

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 2025-07-19 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: MI

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectifytheseissues. 
Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: CA

Complaint narrative:
[ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] Subject : Request for Deletion of Charged-Off Account Based on Issuance of IRS Form 1099-CDear Sir/Madam, I am writing to formally request the deletion of a charged-off account from my credit report that was issued to me as a result of a debt cancellation. I have received a 1099-C form from the creditor, indicating that the debt was canceled, and as such, the account should no longer appear on my credit report.Under the Internal Revenue Code ( IRC ) Section 108 ( e ) ( 2 ), when a debt is canceled, it is considered income for tax purposes but is no longer a liability for the debtor. As a result, the account should be marked as settled or deleted entirely from my credit report.Additionally, under the Fair Credit Reporting Act ( FCRA ) Section 605 ( specifically Section 605 ( a ) ( 5 ) ), derogatory information such as charged-off accounts must be removed after seven years from the date of the first delinquency. Since the debt has been forgiven, and the 1099-C form has been issued, the account is no longer an active debt obligation and should be considered for deletion.Please find a copy of the IRS Form 1099-C attached for your reference. I request that you promptly update my credit report to reflect this change and remove any derogatory marks related to this charge-off account.If you require any further documentation or clarification, please let me know.Thank you for your prompt attention to this matter. I look forward to your response and the timely resolution of this request.Sincerely, [ XXXX 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 non-monetary relief
Consumer complaint received 2025-07-19 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-19 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: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation