vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am once again submitting a formal dispute regarding the continued presence of inaccurate billing information on my credit report. Despite my prior requests, I have identified accounts that are still reporting details that do not properly reflect my true payment history. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1666, which provides me the right to dispute billing inaccuracies and requires a thorough reinvestigation by the reporting furnisher. Please reinvestigate the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am once again submitting a formal dispute regarding the continued presence of inaccurate billing information on my credit report. Despite my prior requests, I have identified accounts that are still reporting details that do not properly reflect my true payment history. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1666, which provides me the right to dispute billing inaccuracies and requires a thorough reinvestigation by the reporting furnisher. Please reinvestigate the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: TN

Complaint narrative:
Well my phone was stolen they used my cash app to pay on some games on my phone I got another phone an notice it an started a dispute then they locked my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. 
These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this third-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. 
These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this third-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXX XXXX 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 2025-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
While I was out of the XXXX  and my mail was being held at the XXXX XXXX XXXX in XXXX XXXX a check was stolen from the XXXX XXXX and deposited into an ATM at a US Bank. On XXXX XXXX and the funds were released on XX/XX/year>. I found out the check was stolen XX/XX/XXXX and filed a police report and my client reported the check was stolen to XXXX XXXX XXXX. 
According to my client, US Bank refused to return the stolen money. US Bank will not even tack an incident report from me because Im not a customer. A teller did tell me that they should not have accepted the check because the name was not a match and that was against their policy.

Im not sure what I can do to recover the {$3000.00}.

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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.

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 2025-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I submitted full documentation proving that the bankruptcy listed by Experian is inaccurate. This includes : Certified court records A XXXX disclosure confirming no bankruptcy is present An affidavit and identity documentation Police Report Despite this, Experian responded with a boiler plate denial, claiming the data was verified through a third-party vendor, not the court which is a clear FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) violation. The vendor is not the source of record and can not lawfully override court documentation or XXXX XXXX clean file find attached stating that the bankruptcy is incorrect, along with a Police Report. 

Experian also failed to remove the public record after proof was submitted, in violation of FCRA 605 ( a ), 1681e ( b ), and 1681i ( a ). The continued reporting of this inaccurate bankruptcy is damaging my credit profile.

I am formally notifying the CFPB that I will proceed with civil litigation under FCRA 616 and 617 if this item is not removed within XXXX business 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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company 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 2025-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I received a XXXX XXXX from the XXXX  account XXXX XXXX promising to complete a task within XXXX minutes of receiving payment. I made the payment based on this promise. On XX/XX/year>, the same account claimed they were hospitalized due to a XXXX XXXX XXXX, delaying the task, with no further updates. The task was never completed, and the account appears inactive, suggesting a potential scam. I have email notifications as evidence of the communication. I request a chargeback for the unauthorized or undelivered service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting of my XXXX account on my credit report. The account is being reported as 30 days late, but this reporting does not reflect the actual account history or payment status. This misreporting unfairly impacts my credit score and misrepresents my creditworthiness.

The account is being reported as late when, according to my records, the account was not delinquent.

Reporting this account as late-opened with a 30-day late designation is inaccurate and misleading.

The accounts status may differ across different credit bureaus, creating inconsistency and potential harm.

FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) : Requires consumer reporting agencies to maintain maximum possible accuracy in reporting. 
FCRA 611, 15 U.S.C. 1681i : Grants consumers the right to dispute inaccurate or incomplete information and requires reinvestigation within 30 days.

FCRA 623 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681s-2 ( a ) : Prohibits furnishers from reporting information they know or should know is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting of my XXXX account on my credit report. The account is being reported as 30 days late, but this reporting does not reflect the actual account history or payment status. This misreporting unfairly impacts my credit score and misrepresents my creditworthiness.

The account is being reported as late when, according to my records, the account was not delinquent.

Reporting this account as late-opened with a 30-day late designation is inaccurate and misleading.

The accounts status may differ across different credit bureaus, creating inconsistency and potential harm.

FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) : Requires consumer reporting agencies to maintain maximum possible accuracy in reporting. 
FCRA 611, 15 U.S.C. 1681i : Grants consumers the right to dispute inaccurate or incomplete information and requires reinvestigation within 30 days.

FCRA 623 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681s-2 ( a ) : Prohibits furnishers from reporting information they know or should know is inaccurate.

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 2025-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I put in a claim for {$1900.00} because my card was stolen and used while I was in a different city XXXX different times at XXXX different locations. Navy federal credit union has since not uploaded or showed trace of the claim unless I call them during business hours. My claim was denied on XX/XX/year>. My pin was entered incorrectly and proof and evidence was provided which they asked for and I still was denied as I reopened the case 3 times. Even with a police report. I wasnt issued temporary credit or anything. I feel like navy fed doesnt protect there customers from these acts and are careless with peoples information. They also told me I wouldnt be able to legally fight my case cause there investigators are back office. As an XXXX XXXX  I want to be treated as, this is unfair to me and my hard earned Money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am once again submitting a formal dispute regarding the continued presence of inaccurate billing information on my credit report. Despite my prior requests, I have identified accounts that are still reporting details that do not properly reflect my true payment history. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1666, which provides me the right to dispute billing inaccuracies and requires a thorough reinvestigation by the reporting furnisher. Please reinvestigate the following accounts : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3700.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : $ {$6900.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am submitting this statement to document the events related to fraudulent charges on my Chase ( XXXX ) credit card account and the companys inadequate response over the past year. 

Summary : Over the last year I discovered fraudulent charges posted to my Chase ( XXXX ) credit card account. I did not authorize these purchases and reported the fraud to XXXXAmazon immediately . Despite repeated communications and requests to have the fraudulent amount corrected/removed from my account, Chase refused to correct the balance. After multiple unresolved attempts to obtain an appropriate investigation and correction, I stopped making payments on the account for the disputed portion because I will not pay for charges I did not make or authorize.

Detailed timeline/ actions taken : I first discovered the fraudulent/unrecognized transactions on or about [ XXXX of XXXX and reported them to Chase/XXXX  by phone and by email. 
I followed up repeatedly with Chase customer service and escalated the issue through their available channels ( phone, web portal, and email ). During these contacts I requested an investigation and that the fraudulent charges be removed or corrected. 
Chase declined/failed to correct the disputed amount and would not provide a satisfactory resolution. 
Because the disputed charges remained on my account and were not corrected, I informed Chase that I would not pay for purchases I did not authorize and I stopped making payments on the disputed portion of the account as of XX/XX/XXXX. 
To challenge the account reporting and seek correction, I filed disputes with at least two credit bureaus XXXX  and XXXX  on XX/XX/XXXX to report the fraudulent activity and request removal of the incorrect balance from my credit report.

Because my email was compromised ; I do not have copies of prior communications.

Impact : As a direct result of Chases refusal to correct the fraudulent charges, I have been financially harmed ( inability to rely on my credit standing, stress related to being billed for unauthorized charges, and ongoing time spent attempting to resolve the matter ). I have not paid for charges I did not authorize and will not do so.

Company response to consumer: Closed with explanation