vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
According to XXXX XXXX Equifax has penalized me for paying off my XXXX account ; which is redlining my credit score. My XXXX XXXX  score was reduced XXXX points, because I paid off my XXXX account is egregious.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
These account are close and they are still reporting on my credit report and its effecting my score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
These account are close and they are still reporting on my credit report and its effecting my score

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am reporting identity theft. There are multiple accounts and/or inquiries on my credit report that I did not open or authorize. I do not recognize these accounts, and they do not belong to me. 

I am submitting a sworn Identity Theft Affidavit and supporting documents in accordance with 15 U.S.C. 1681c-2, which requires credit bureaus to block identity theft-related information.

I request a reasonable reinvestigation under 1681i and removal of all unauthorized inquiries under 1681b.

Please send written confirmation of all deletions and provide the method and documentation of any item you choose to verify, as required by 1681i ( a ) ( 6 ) ( B ) ( iii ).

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-10-31 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: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. 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 2025-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
I have paid this loan off. \ The loan was from XXXX. XXXX states I have to contact Bridgecrest as the administrator of title. Bridgecrest states they have sent the electronic release of lien to my state XXXX. The XXXX states they did not receive it. Bridgecrest refuses to resubmit the release. They asked me to have the XXXX send a " rejection letter ''. The XXXX says that is not something they do. 
I feel it is the responsibility of Bridgecrest or XXXX to ensure I receive my title. They need to resend the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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:
I do not have ties to these accounts ; they must be deleted within 15 days following USC 1681g.

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 2025-10-31 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: CA

Complaint narrative:
Dear Equifax, I am contacting you because I have found some information that is inaccurate from my credit report. 
These accounts were never paid late as it is reported. I request that you verify the information and correct the inaccurate late payment remarks from my credit report as quickly as possible. I have identified the discrepancies in the reported payment history, and I am providing the details below for your investigation. 
1. I was never late please update XXXX XXXX Account Number : XXXX You are reporting inaccurate information that is ruining my credit. I don't recall ever being late on this account. I demand you to remove these inaccurate late payment remarks immediately from my credit report. 
Date Opened : XX/XX/XXXX Balance : {$110.00} Date of last payment : XX/XX/XXXX Date last active : XX/XX/XXXX Date last reported:XXXX  2. I was never late please update XXXX & XXXX Account Number : XXXX This account was paid on time but still it is reported as late on your end. Correct the payment status of this account on my credit report to be paid as agreed right away because it is ruining my credit score. 
Date Opened : XX/XX/XXXX Balance : {$1300.00} Date of last payment : XX/XX/XXXX Date last active : XX/XX/XXXX Date last reported : XX/XX/XXXX 3. I was never late please update XXXX Account Number : XXXX I made all my payments on time for this account but still it is reported as late in my credit report. Correct the payment status of this account in my credit report to be paid as agreed immediately because it is ruining my credit score. 

Date Opened : XX/XX/XXXX Balance : {$4500.00} Date of last payment : XX/XX/XXXX Date last active : XX/XX/XXXX Date last reported : XX/XX/XXXX 4. I was never late please update XXXX Account Number : XXXX I never missed my payment. I paid on time but still it is reported as late. Correct the payment status of this account to be paid as agreed immediately and remove those erroneous late remarks in my credit report because it is ruining my credit score. 

Date Opened : XX/XX/XXXX Balance : {$210.00} Date of last payment : XX/XX/XXXX Date last active : XX/XX/XXXX Date last reported : XX/XX/XXXX I kindly request that you conduct a thorough investigation into the reported late payment remarks and correct them to show positive in my credit report, timely payments were made and I believe it is crucial to accurately reflect in my payment history. 
I request that you respond to my dispute as stipulated by the Fair Credit Reporting Act ( FCRA ) after your complete investigation and inform me of the results within the legally required time frame. I am eager to ensure the accuracy of my credit report as soon as possible. 
Thank you for your attention to this matter. I appreciate your assistance in resolving this issue and maintaining the accuracy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. 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 2025-10-31 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: GA

Complaint narrative:
I am reporting identity theft. There are multiple accounts and/or inquiries on my credit report that I did not open or authorize. I do not recognize these accounts, and they do not belong to me. 

I am submitting a sworn Identity Theft Affidavit and supporting documents in accordance with 15 U.S.C. 1681c-2, which requires credit bureaus to block identity theft-related information.

I request a reasonable reinvestigation under 1681i and removal of all unauthorized inquiries under 1681b.

Please send written confirmation of all deletions and provide the method and documentation of any item you choose to verify, as required by 1681i ( a ) ( 6 ) ( B ) ( iii ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: GA

Complaint narrative:
I am reporting identity theft. There are multiple accounts and/or inquiries on my credit report that I did not open or authorize. I do not recognize these accounts, and they do not belong to me. 

I am submitting a sworn Identity Theft Affidavit and supporting documents in accordance with 15 U.S.C. 1681c-2, which requires credit bureaus to block identity theft-related information.

I request a reasonable reinvestigation under 1681i and removal of all unauthorized inquiries under 1681b.

Please send written confirmation of all deletions and provide the method and documentation of any item you choose to verify, as required by 1681i ( a ) ( 6 ) ( B ) ( iii ).

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 2025-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MD

Complaint narrative:
My Cash App account was closed without clear explanation. I did not receive any notice of violation or request for verification prior to the closure. I was not engaged in fraud or illegal activity. All activity on the account was with legal, regulated merchants and gambling is legal in my state.

I use Cash App for regular day-to-day personal transactions and would like to continue doing so. I have been a long-time user with no prior issues. Cash App has stated the decision is final but has not provided a specific reason, which prevents me from correcting or understanding what triggered the closure.

I am requesting that my account be reinstated or that a more detailed written explanation be provided so that I can remedy the issue if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: AL

Complaint narrative:
I am writing to formally dispute certain items on my credit report, as I believe they may contain inaccurate or outdated information. I have reviewed my credit report and found the following discrepancies : 1. Collection Account ( s ) o Account Name/Creditor : [ Name of the creditor or collection agency ] o Account Number : [ Account number ] o Nature of Discrepancy : I believe this account was reported incorrectly or the debt is no longer valid. Please provide documentation verifying the validity of this debt and confirm that this item accurately reflects my payment history.

2. Inquiries o Inquiry Date ( s ) : [ List of inquiry dates from your report ] o Nature of Discrepancy : These inquiries are not associated with any new credit accounts or positive payment histories, and I request verification of the legitimacy of these inquiries and their link to my credit activity.

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 2025-10-31 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: NY

Complaint narrative:
I am filing this complaint against Equifax for the unlawful and inaccurate reporting of the following accounts : XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX. 

Both accounts are being reported as Charge-Offs, yet I have no knowledge, authorization, or association with these accounts. These appear to belong to another individual with a similar or identical name. 

Equifax has failed to maintain reasonable procedures to assure maximum possible accuracy as required by 15 U.S.C. 1681e ( b ). Additionally, after my prior disputes, Equifax failed to conduct a lawful reinvestigation under 15 U.S.C. 1681i ( a ) and FCRA Section 611, as no documentary evidence or original creditor verification was ever provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: MI

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least XXXX  days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: PA

Complaint narrative:
I had rewards from cashback from using their Gemini cc before it was randomly closed. After which I tried to get the money put back in my bank account that was said to be unverified despite being used to pay the cc multiple times. I learned far after that I need to deposit to Gemini XXXX XXXX to make it possible to get my funds, though this wasn't clear in the instructions, it never said how much I had to send, and support staff would either go around in circles with answers, ask for info I already submitted, or just stop answering. 
I find it may be possible to change it into crypto and then send to my wallet on crypto.com since the aforementioned problems left me hesitant on if I'd ever actually receive my funds once a deposit was made to them. I am writing bc I just tried to add a wallet from crypto.com onto Gemini to then use the transfer my crypto to then convert to cash on crypto.com which has my bank account and transfer it that way. I do not know what will happen and I have to wait on a XXXX day hold for it to go through. All of which I am hesitant about since I am losing money in the process through the transfers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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:
Hello Experian, I respectfully ask for your help in reviewing the accounts and inquiry listed below. I am working on improving my credit and simply want to ensure that the information being reported is fair, complete, and accurate under the Fair Credit Reporting Act ( FCRA ). 

Accounts in Question : XXXX  XXXX Account No. XXXX, Date : XX/XX/XXXX, Amount : {$2200.00} XXXX Account No. XXXX, Date : XX/XX/XXXX, Amount : {$5900.00} XXXX XXXX Account No. XXXX, Date : XX/XX/XXXX, Amount : {$5000.00} Inquiry : XXXX XXXX XX/XX/XXXX I do not recall authorizing or initiating the inquiry listed above, and I request verification from the party that initiated it. For the charged-off accounts, I ask that you please verify the accuracy and completeness of the information, including balance, payment history, and reporting dates. If the furnishers can not provide verifiable records supporting these details, please remove or correct the inaccurate data in accordance with FCRA 607 ( b ) and 611 ( a ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I did not authorize or sign any agreement for the account in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: VA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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:
These accounts have no link to me ; please delete them within 15 days following USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: AL

Complaint narrative:
My account with EQUIFAX EXPERIAN XXXX  was never late! I have had exceptional payment history 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 to be 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. EQUIFAX EXPERIAN XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief