vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing this complaint because Experian is reporting inaccurate personal information on my credit file. The following outdated address must be removed : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ). Additionally, the employer name listed as XXXX XXXX XXXX is incorrect. My accurate and current personal details are as follows : Correct address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and my correct employer is XXXX XXXX XXXXXXXX. Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies must ensure the maximum accuracy of information in their files. These inaccuracies are harming my credit and must be corrected immediately. I request written confirmation that the inaccurate information has been removed and my report updated.

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 2025-10-02 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: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-10-02 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: IA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : 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 2025-10-02 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: OR

Complaint narrative:
I disputed a charge in the amount of {$450.00} in the month of XXXX in XXXX  that I was charged from a company called " XXXX  XXXX. '' " XXXX  XXXX is a one-on-one personal trainer facility. " XXXX  XXXX '' closed down shortly thereafter and was no longer is business. 

I have called JPMCB CARD SERVICES aka Chase Freedom XXXX several times and they have no record of my dispute which is completely false. 

I'm very upset that I currently have a balance with Chase and in fact they owe me money at this point. 

Account XXXXXXXX XXXX XXXX XXXX XXXX 

Please touch base with Chase and find a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE. 
This account is inaccurate and must be eliminated immediately. I never approved it. Supporting documentation is included.

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 2025-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am formally disputing the accuracy and validity of the charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing. 

Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent. 
The balance, past due amount, and status are not accurately reported. 
The account does not reflect complete and verifiable records of the debt.

Under FCRA 609 ( a ) and FCRA 611, I am requesting the following : 1. Full validation and documentation proving this account was lawfully established and charged off.

2. Copies of the original signed contract or agreement bearing my signature.

3. A detailed payment history, including how the balance and charge-off status were calculated.

If you can not provide complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA. 

Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary. 

I expect your investigation and response within the required 30 days. 

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 explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: NY

Complaint narrative:
I called Cash app up on the phone because I seen somebody taking money out of my account so I followed dispute. Then they sent me something to verify my identity which I try to upload my ID which it wasnt going through on the app so then they end up closing my account Because they said it was fraudulent actions but it wasnt on me. They said I had till XX/XX/XXXX to verify my identity before they close my account and Ive been with them for XXXX years never had no problem with my account so to me personally you making me like I did this. Ive been with you for XXXX years And it literally said I upload my document. They said, I violated the policy which I have not violate the policy and Im calling you up and telling you somebodys taking money out of my account I dont know this person at all instead of me being a victim thats why I steal my money they make me feel like the criminal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported to be removed/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. 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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was told that I would I had opened a capital, one credit card, and I had never done that.It was on an authorized without my authorization whatsoever.I 've tried to remove it from my credit report.Multiple times where they keep saying that the information is accurate and that i'm like

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

This is a formal complaint against JPMCB CARD a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

JPMCB CARD XXXXXXXX XXXX XXXX XXXX XXXX JPMCB CARD XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing a collection account from XXXX XXXX in the amount of {$870.00} that is currently reported on my Equifax credit report. I have previously disputed this account, and it was removed from my XXXX  credit report, demonstrating that the information is inaccurate or unverifiable. Despite this, the account continues to appear on my Equifax report. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i, 1681s-2 ), furnishers are required to ensure that the information they report is accurate and complete. Continuing to report this account after it was deleted from another credit bureau constitutes inaccurate and misleading reporting. Additionally, under the doctrine of estoppel by silence ( Engel, Hartford v. Gravens, 281 S.W.2d 715 ), the failure to correct or remove the account when already disputed may presume no valid proof of the alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am disputing unauthorized hard inquiries that appear on my credit report. I did not apply for credit with these companies, nor did I give consent for them to access my file. The inquires are as follows : XXXX. XXXX  - INQUIRY DATE : XX/XX/XXXX XXXX. XXXX - INQUIRY DATE : XX/XX/XXXX XXXX. XXXX - INQUIRY DATE : XX/XX/XXXX XXXX. XXXX - INQUIRY DATE : XX/XX/XXXX XXXX. XXXX - INQUIRY DATE : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX - INQUIRY DATE : XX/XX/XXXX XXXX. XXXX XXXX  - INQUIRY DATE : XX/XX/XXXX XXXX. XXXX XXXX - INQUIRY DATE : XX/XX/XXXX XXXX. XXXX XXXX - INQUIRY DATE : XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX XXXX XXXX  - INQUIRY DATE : XXXX XXXX XXXX XXXX  XXXX - INQUIRY DATE : XXXX XXXX XXXX XXXX XXXX  - INQUIRY DATE : XXXX XXXX XXXX XXXX - INQUIRY DATE : XXXX XXXX XXXX XXXX  - INQUIRY DATE : XXXX XXXX XXXX XXXX - INQUIRY DATE : XXXX XXXX XXXX. XXXX XXXX - INQUIRY DATE : XXXX XXXX  18. XXXX XXXX  - INQUIRY DATE XXXX XXXX XXXX XXXX XXXXXXXX XXXX - INQUIRY DATE : XXXX XXXX XXXX XXXXXXXX - INQUIRY DATE : XXXX XXXX XXXX XXXXXXXX XXXX - INQUIRY DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX XXXXXXXX XXXX XXXX - INQUIRY DATE : XXXX XXXX XXXX XXXXXXXX XXXX - INQUIRY DATE XXXX XXXX XXXX XXXX  XXXX XXXX - INQUIRY DATE : XXXX XXXX XXXX XXXXXXXX XXXX - INQUIRY DATE : XXXX XXXX XXXX XXXX - INQUIRY DATE : XXXX XXXX XXXX. XXXX - INQUIRY DATE : XXXX XXXX XXXX XXXX XXXX XXXX - INQUIRY DATE : XXXX XXXX XXXX XXXX XXXX - INQUIRY DATE : XXXX XXXX XXXX XXXX XXXXXXXX XXXX - INQUIRY DATE : XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - INQUIRY DATE : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - INQUIRY DATE : XXXX XXXX XXXX XXXX XXXX XXXXNQUIRY DATE : XXXX XXXX XXXX. XXXX XXXX XXXXXXXX DATE : XX/XX/XXXX These inquiries were made without my authorization. They are negatively impacting my credit score and do not reflect any legitimate credit application I submitted. 

Under the Fair Credit Reporting Act ( FCRA ), only inquiries made without my express consent for a credit application should appear on my credit report. I am requesting a full investigation into these inquires and for them to be removed from my credit file. 

I also request confirmation once this investigation has been completed and my file updated accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am disputing unauthorized hard inquiries that appear on my credit report. I did not apply for credit with these companies, nor did I give consent for them to access my file. The inquires are as follows : XXXX. XXXX  - INQUIRY DATE : XX/XX/XXXX XXXX. XXXX - INQUIRY DATE : XX/XX/XXXX XXXX. XXXX - INQUIRY DATE : XX/XX/XXXX XXXX. XXXX - INQUIRY DATE : XX/XX/XXXX XXXX. XXXX - INQUIRY DATE : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX - INQUIRY DATE : XX/XX/XXXX XXXX. XXXX XXXX  - INQUIRY DATE : XX/XX/XXXX XXXX. XXXX XXXX - INQUIRY DATE : XX/XX/XXXX XXXX. XXXX XXXX - INQUIRY DATE : XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX XXXX XXXX  - INQUIRY DATE : XXXX XXXX XXXX XXXX  XXXX - INQUIRY DATE : XXXX XXXX XXXX XXXX XXXX  - INQUIRY DATE : XXXX XXXX XXXX XXXX - INQUIRY DATE : XXXX XXXX XXXX XXXX  - INQUIRY DATE : XXXX XXXX XXXX XXXX - INQUIRY DATE : XXXX XXXX XXXX. XXXX XXXX - INQUIRY DATE : XXXX XXXX  18. XXXX XXXX  - INQUIRY DATE XXXX XXXX XXXX XXXX XXXXXXXX XXXX - INQUIRY DATE : XXXX XXXX XXXX XXXXXXXX - INQUIRY DATE : XXXX XXXX XXXX XXXXXXXX XXXX - INQUIRY DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX XXXXXXXX XXXX XXXX - INQUIRY DATE : XXXX XXXX XXXX XXXXXXXX XXXX - INQUIRY DATE XXXX XXXX XXXX XXXX  XXXX XXXX - INQUIRY DATE : XXXX XXXX XXXX XXXXXXXX XXXX - INQUIRY DATE : XXXX XXXX XXXX XXXX - INQUIRY DATE : XXXX XXXX XXXX. XXXX - INQUIRY DATE : XXXX XXXX XXXX XXXX XXXX XXXX - INQUIRY DATE : XXXX XXXX XXXX XXXX XXXX - INQUIRY DATE : XXXX XXXX XXXX XXXX XXXXXXXX XXXX - INQUIRY DATE : XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - INQUIRY DATE : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - INQUIRY DATE : XXXX XXXX XXXX XXXX XXXX XXXXNQUIRY DATE : XXXX XXXX XXXX. XXXX XXXX XXXXXXXX DATE : XX/XX/XXXX These inquiries were made without my authorization. They are negatively impacting my credit score and do not reflect any legitimate credit application I submitted. 

Under the Fair Credit Reporting Act ( FCRA ), only inquiries made without my express consent for a credit application should appear on my credit report. I am requesting a full investigation into these inquires and for them to be removed from my credit file. 

I also request confirmation once this investigation has been completed and my file updated accordingly.

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 2025-10-02 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:
PLEASE BLOCK AND REMOVE. 
This account is invalid and should be deleted immediately. I never gave authorization for it. Supporting documents are enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
A vehicle that someone got in my name id on my credit report and XXXX XXXX has refuse to remove off my credit. Its been almost 8 years and it has cause to miss out on a lot of opportunities

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 2025-10-02 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: TX

Complaint narrative:
I am submitting this formal complaint concerning multiple creditors and furnishers who are reporting inaccurate, unverifiable, and misleading information on my credit report. These actions violate my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. and are causing significant harm to my credit profile. 

Disputed Accounts and Issues : XXXX ( Acct : XXXX ) XXXX XXXX Charge-off {$870.00}, unverified. 

XXXX XXXX XXXX ( Acct : XXXX ) XXXX XXXX Charge-off {$3100.00}, inaccurate. 

XXXX ( Acct : XXXX XXXX XXXX XXXX  Charge-off {$2000.00}, unverified. 

XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX Charge-off {$770.00}, inaccurate. 

XXXX  XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX Charge-off {$360.00}, unverifiable. 

XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX Charge-off {$3000.00}, unverified. 

XXXX XXXX  ( Acct : XXXXXXXX XXXX XXXX XXXX  Charge-off {$24000.00}, inaccurate and unverified. 

XXXX XXXX ( Acct : XXXX XXXX XXXX XXXX  Charge-off {$19000.00}, unverified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection {$2200.00}, inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection {$1800.00}, unverified. 

XXXX XXXX ( Acct : XXXX ) XXXX XXXX Collection {$870.00}, inaccurate. 

XXXX ( Acct : XXXX ) XXXX XXXX Collection {$3100.00}, unverified. 

XXXX ( Acct : XXXX ) XXXX XXXX Collection {$1900.00}, inaccurate. 

XXXX ( Acct : XXXX ) XXXX XXXX  Collection {$270.00}, unverified. 

Address Errors : XXXX XXXX, XXXX  XXXX, XXXX  XXXX Wrongly reported. 

XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Wrongly reported. 

These inaccuracies, unverified charge-offs, and collections are damaging my creditworthiness and must be investigated.

Legal Violations : FCRA 1681e ( b ) : Furnishers failed to ensure maximum accuracy.

FCRA 1681i : Credit bureaus failed to properly investigate and delete disputed items.

FCRA 1681s-2 ( b ) : Furnishers continued reporting inaccurate information after dispute.

Requested Relief : I respectfully request that the CFPB : Conduct a thorough investigation into all listed creditors and furnishers.

Require documented validation of all disputed accounts.

Correct or remove all inaccurate, unverifiable, and misreported information from my credit report. 

Ensure that these furnishers comply fully with the FCRA and cease further violations of my consumer rights.

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 2025-10-02 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: MN

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with explanation