vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: GA

Complaint narrative:
I'm trying to get an old XXXX account removed from my credit report. The company that bought the debt, XXXX XXXX, confirmed in writing that the account has been closed since XX/XX/year> and that they dont report anything to the credit bureaus. 

That means theres no one actively verifying or updating this account. Ive already disputed it, but its still showing up. Im submitting this complaint because whats left on my report isnt accurate or supported anymore. 

Ive attached my letter and XXXX response for proof. Im just asking that this account be taken off my report since no one is maintaining or validating

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX SELF-REPORTED ( Original Creditor : XXXX XXXX XXXX Balance : {$190.00} INSURANCE SELF-REPORTED ( Original Creditor : XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX SELF-REPORTED ( Original Creditor : XXXX XXXX XXXX Balance : {$190.00} INSURANCE SELF-REPORTED ( Original Creditor : XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
In XX/XX/year>, my identity was stolen, and as a result, I was locked out of the account I regularly used to make payments. Since then, I have continued to experience issues related to identity theft, including repeated unauthorized access attempts and disruptions to my financial accounts. 

Although I eventually regained access to my account, the ongoing nature of the identity theft has made it difficult to manage my finances consistently. I contacted the Social Security Administration to request a new Social Security number, but they informed me that they were unable to issue a new number at this time. 

Due to the persistent nature of the fraud, I filed an official complaint with the Federal Trade Commission ( FTC ) and submitted a police report documenting the ongoing identity theft. 

Despite taking these steps, the situation continues to affect my ability to have full control over my accounts and manage my accounts effectively. I am seeking assistance and protection from further financial harm as a result of this identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-17 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: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
I am writing to formally file a complaint against [ XXXX XXXX XXXX XXXX, XXXX, XXXX  ] for violating the Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ). 

According to this section, consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the information they report. Unfortunately, the information currently appearing on my credit report is inaccurate and damaging, and I have reason to believe that [ XXXX XXXX ] has failed to meet this legal obligation. 

I have attempted to resolve this issue by disputing it directly with the credit reporting agency, and/or with the furnisher of the data. However, the problem has not been properly investigated or corrected, and the inaccurate information remains. 

This failure to ensure accuracy has caused harm to my creditworthiness, including denied credit, increased interest rates, and emotional distress. I request that the CFPB investigate this matter and hold [ XXXX XXXX ] accountable for its failure to comply with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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:
I am reaching out to dispute a late payment reported on my account that I believe to be inaccurate. I have taken great care in maintaining this account in good standing and have ensured timely payments each month. I request that you review this entry for accuracy.

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 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: PA

Complaint narrative:
I am writing regarding how my Cash App account appeal was handled. I submitted an appeal on XX/XX/year>, and according to Cash App 's own policy, appeals are to be reviewed within up to XXXX days. This timeframe expired on XX/XX/year>. 
However, I did not receive any communication until XX/XX/year>, nearly XXXX full months after my initial appeal - well beyond the stated XXXX limit. I was informed on this date by a manager that my appeal was denied, with no prior updates or engagement throughout the entire review period. I then received another email today from another representative. This email repeated the same content - stating my card and direct deposit were deactivated and made no reference to the manager 's notice or updated case status. This repetition demonstrates a failure in internal case mgt and a reliance on auto responses that disregard customer history and current status. Cash App 's Terms require that users receive timely, transparent decisions when accounts are deactivated or appeals are made.The failure to adhere to the XXXX appeal window, and the lack of clarity about deactivation reasons, violate these terms and industry standards for consumer notification and internal process consistency. 

I am extremely concerned about the delay and lack of transparency in the process. Cash App 's failure to adhere to its own policy not only created confusion and hardship, but also raises questions about the integrity and fairness of their decision-making. If the denial was reached after the XXXX period without due process or communication, this undermines my confidence in the platform 's appeal procedures. 

I am requesting a detailed explanation of : - Why the appeal process exceeded the XXXX window, - What information was reviewed to reach the denial, - And whether the extended timeline affected the decision in any way. 

I am also requesting that this matter be escalated for re-evaluation or at the very least reviewed by a compliance officer/third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
under XXXX you only hsve XXXX days to clear all records. 
dayone : XX/XX/year> you have time until XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: NV

Complaint narrative:
On XXXX XXXX 2025 at XXXX XXXX  I recieved and alert on my phone that showed {$300.00} was taken off my card and seconds later another {$300.00} was removed from my account. I immediately called Netspend and reported these transactions as fraudulent that I did not nor did I approve of these transactions and had my card locked. After reporting the the theft I filed a policy report with XXXX  and have been and will continue to work with the Detective until the perpetrators are caught. I want justice and it sickens me to think that whoever did this could get away with it. I then emailed Netspends Dispute Document department and explained to them in writing what had occurred. I then spoke with a woman who was absolutely ghastly, a horrible rude girl that stonewalled me and refused to cooperate or tell me anything about getting a provision credit on my card even after I told her that money was for my rent. She lacked any empathy decency and was a terrible person.

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 2025-07-17 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: FL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Found an address on my credit report personal information that is fraudulent. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  I need a report for fraud to remove this from my XXXX  personal information. Can you give me a report number?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: UT

Complaint narrative:
In XX/XX/XXXX I began working with a XXXX  XXXX and noticed that on my account there was an account opened on XX/XX/XXXX with XXXX XXXX and the original balance is {$400.00}. I never opened an account with them so this is fraudulent. I've filed a police report as well as an FTC complaint. I also attempted to dispute this on XXXX  and they refuse to take it off even though I provided the complaint and police report. I haven't contacted the company because I am concerned that they will use any information obtained from me to take ownership of this debt that I never caused. Please help assist me in getting this resolved immediately.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Nothing has been done that I've asked from the XXXX agencies. I have never gave them written OR verbal permission to share my LEGALLY PRIVATE Credit REPORTS ( XXXX  EQUIFAX AND XXXX XXXX ) Information any kind of way with XXXX parties or anyone and THEY HAVE BEEN DOING IT. I NEVER RECEIVED LETTERS ON WHAT INFORMATION HAVE BEEN GIVEN OUT FROM XXXX  EQUIFAX AND XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: NJ

Complaint narrative:
On XX/XX/year> I contacted XXXX XXXX card because I had recently refinanced in my home and this particular account was paid off in full by a title company that mailed me a check on XX/XX/XXXX to which I received it the very next day. I mailed this check to XXXX XXXX on XX/XX/XXXX and the check arrived today XX/XX/XXXX. I contacted the company and explained the delay in payment was due to the title companys processing timeline and asked for a one-time goodwill adjustment to have the interest waived and refunded. The representative told me that was not possible because that interest was earned fairly and whats the point of borrowing credit if they would waive everyones interest fees. The balance remaining on the account is XXXX which is the interest charged to the account and the check was made out for XXXX. The account was attempted in good faith to be paid in full but these unexpected delays occurred which was out of my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CO

Complaint narrative:
I sent my boyfriend XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and in the memo line I wrote a funny joke between the two of us. Well it apparently upset them, and that is what they emailed me about asking for a reason for what I said in the memo line. Iexplained what it was. Ever since that day my account has been frozen. I have spoken with multiple cash app support members and nobody seems to know how to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing the accuracy of a collection account that has recently appeared on my credit report. I have always maintained a responsible credit profile and have no knowledge or record of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC
State: CA

Complaint narrative:
I enrolled in XXXX XXXX XXXX debt settlement program in XX/XX/XXXX. I was instructed to stop paying my creditors, which caused my credit to drop and my balances to grow due to added interest and late fees. 

From XX/XX/XXXX to XX/XX/XXXX, I deposited a total of {$2700.00} into the program. Of that, only {$490.00} was paid to my creditors. The remaining funds were taken in fees : {$1800.00} in settlement fees {$210.00} in legal fees {$100.00} in monthly service fees {$9.00} one-time setup fee I canceled my enrollment after realizing the program was doing more harm than good and very little of my money was being applied toward my debts. Since canceling, I have not received a refund or any response from the company. 

I am requesting a full refund of unearned or excessive fees and a detailed accounting of all transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation