vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

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

I submitted a formal dispute letter to Experian on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Experian has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Experian has therefore failed to conduct a reasonable reinvestigation as required by law. 

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 explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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

I submitted a formal dispute letter to Transunion on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Transunion has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Transunion has therefore failed to conduct a reasonable reinvestigation as required by law. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-10-03 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: CA

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: CA

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}

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 2025-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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 ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: EQUIFAX, INC.
State: OK

Complaint narrative:
I am writing to formally document and demand immediate deletion of the above-referenced account. This correspondence addresses a recent attempt to manipulate my credit file on XX/XX/year>, which occurred after I had already submitted a dispute and provided complete supporting documentation through the CFPB portal. 

How I Was Alerted : On XX/XX/year>, I received a notification from XXXX  that this account had been updated with a new charge-off indicator and altered payment/interest history. This activity was unusual because : The account had already been placed in dispute status, meaning no new derogatory data should have been added under the FCRA. 

XXXX alert specifically showed that payment dates, interest, and comments were being altered back and forth, which is consistent with an attempt to reset or reclassify the account to delay or avoid deletion. 

Incident Overview : On XX/XX/year>, XXXX XXXX reported a new delinquency and interest on this account during an active dispute, violating 15 U.S.C. 1681i. 

On XX/XX/year>, the account was updated again this time removing Fixed Rate while leaving Charge Off and dispute status intact in a way that suggests deliberate manipulation. 

These updates occurred despite full documentation provided to both Equifax and the CFPB, showing clear inconsistencies in XXXX XXXX  reporting, including : Interest miscalculations vs. the original contract. 

Historical documentation errors, such as debt validation letters predating the loan. 

Legal Considerations : Under 15 U.S.C. 1681i, once a consumer disputes inaccurate information, the bureau must investigate and delete or correct the information. 

FCRA protections allow deletion without waiting the standard 30 days, particularly when evidence of violations is clear. 

The XX/XX/XXXX activity demonstrates willful reporting inconsistencies by the furnisher, which increases regulatory and legal exposure if not corrected. 

Demand : Given the above, I formally demand : Immediate deletion of this account from my credit file. 

Written confirmation of deletion, including the date and time of action.

Assurance that no reinsertion of the account will occur without proper verification per FCRA and my express written consent. 

Please treat this as a formal notice to your compliance/legal team. I request a response within 10 business days confirming deletion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: NY

Complaint narrative:
Upon my lawful request for debt verification under the Fair Credit Reporting Act ( FCRA ), XXXX failed to provide any valid, legally binding evidence that I entered into a contractual obligation with them. Specifically, XXXX admitted that no wet signature exists on any document allegedly binding me to the debt. 
While the absence of a wet signature does not automatically nullify a debt, XXXX failure to provide any credible form of agreement, usage, or billing statements, in addition to their own admission, constitutes a failure to verify under 15 U.S. Code 1681s2.

FCRA Violations and Fraudulent Reporting Despite lacking verifiable evidence of a valid debt, XXXX continued to furnish this account to credit reporting agencies. This action constitutes knowingly reporting inaccurate information, which is a direct violation of the FCRA, particularly under : 15 U.S. Code 1681s2 ( b ) Duties of furnishers of information upon notice of dispute 15 U.S. Code 1681e ( b ) Ensuring maximum possible accuracy Such behavior is not only deceptive but could also constitute willful noncompliance, which opens the door to statutory and punitive damages under FCRA 1681n.

Arbitration Terms & Filing Fee XXXX own arbitration agreement stipulates that they are responsible for all filing fees, which have been triggered by my lawful election of arbitration. An arbitration manager has been assigned, and I have complied fully with all procedural requirements to date. 
I have been informed that XXXX is liable for arbitration fees totaling $ XXXX, and that the potential exposure in this case exceeds {>= $1,000,000}, based on statutory penalties, damages, and XXXX 's continued willful violations. 

Furnishing delinquencies without XXXX violates the FCRA. Remove all delinquencies or Transunion faces XXXX XXXX XXXX XXXX  certification sent to cease reporting especially while XXXX arbitration is in place reporting can not exist. It is to CFPB place to notify XXXX  and TransUnion for this XXXX arbitration handled by XXXX. She is the XXXX arbitrator that will be paid. Legal action will follow. XXXX XXXX ; this account is not two years old, but TransUnion reports it still this is a FCRA guideline violation illegal re aging proof has been submitted. The XXXX account is fraudulent reporting it is not two years. They re-aging it and they are not removing it according to FCRA guidelines. This account must be removed because it is unverified.

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 2025-10-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: KS

Complaint narrative:
Some random account charge my checking account for {$550.00}. I believe that account that stole my money is closed. But they refuse to give me a refund. What the email me was ( Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed ) I have no idea what account that is that received money from my checking account so I dont understand how there is no error when I have no idea who that account is

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This should be taken off all three credit bureaus : Experian, XXXX, and XXXX. 

Discharge of the mortgage executed by XXXX XXXX XXXX who acquired title as XXXX XXXX XXXX, a single person to Administrator of the XXXX XXXX XXXX XXXX, an agency of the Government of the United States of America dated XX/XX/year> and recorded XX/XX/year> in XXXX  XXXX, Page XXXX. Said mortgage executed in the original amount of {$75000.00}. This was completed in my XXXX  XXXX bankruptcy. Please remove and discharge this lien and loan immediately in the next two days.

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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This should be taken off all three credit bureaus : XXXX, equalfax, and XXXX. 

Discharge of the mortgage executed by XXXX XXXX XXXX who acquired title as XXXX XXXX XXXX, a single person to Administrator of the XXXX XXXX XXXX XXXX, an agency of the Government of the United States of America dated XX/XX/year> and recorded XX/XX/year> in XXXX  XXXX, Page XXXX. Said mortgage executed in the original amount of {$75000.00}. This was completed in my XXXX  XXXX bankruptcy. Please remove and discharge this lien and loan immediately in the next two days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: BARCLAYS BANK DELAWARE
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 BARCLAYS BANK DELAWARE 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. 

BRCLYSBANKDE 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 2025-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: LA

Complaint narrative:
Yes I went to XXXX XXXX  store to use atm I tried to take XXXX but it was error code came on atm screen I never received money but it was taken off I contacted store I was told to contact atm company I did no response was received so I contacted chime company I was told there was nothing they can do about it it happen XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 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 non-monetary relief
Consumer complaint received 2025-10-03 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: NY

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



I am submitting this formal complaint against TransUnion for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing TransUnion with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include XXXX  XXXX XXXX, XXXX CARD XXXX, which the banks confirmed would be removed but remains on my report ; all of which are identity theft-related and should have been blocked under 1681c-2 of the FCRA. TransUnions refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. 
For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

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 2025-10-03 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 XXXX, JPMCB CARD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
MY CREDIT REPORT IS REVEALING MY CREDIT CAQRDS BREING CLOSED XXXX BY XXXX WITHOUYT BEING AUTHORIZED OR TIMING OUT. I HAVE FOUND XXXX SIGNIFICANT NAME ON MY INFORMATION WHICH IS XXXX.I DO HAVE A NUMBER FOR HER THAT WAS LISDTED ON MY INFORMATION. BUT WILL HAVE TO EMAIL U XXXX WITH THAT IT IS A XXXX MNUMBER.

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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing a XXXX XXXX  credit card tradeline reported on my credit file. In summer XXXX, my phone and wallet were stolen, leaving me unable to access or manage my account. XXXX later charged off the account and sent it to multiple third-party XXXX. When I requested validation, XXXX only provided partial documentation ( page XXXX of the application and a few statements ), which does not fully establish accuracy or ownership. Because the reporting is incomplete and potentially inaccurate, I am requesting that this tradeline be removed or corrected to reflect Paid/Closed without derogatory marks.

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