vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 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: TN

Complaint narrative:
I am formally disputing several inaccurate, unverifiable, and non-compliant accounts being reported on my Equifax credit file. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), you are obligated to ensure maximum possible accuracy ( 607 ( b ) ) and to reinvestigate any disputed information within 30 days ( 611 ). These furnishers have failed to report accurate data in accordance with Metro-2 standards, and your continued publication of such inaccuracies constitutes negligence and a breach of data handling duties under the Gramm-Leach-Bliley Act ( GLBA ).

The following accounts contain reporting errors and violations : XXXX XXXX XXXX multiple accounts ( XXXX, XXXX, XXXX ) reporting open collections after charge-off, duplicated entries, and inaccurate payment history. 
XXXX XXXX XXXX several accounts ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) reporting same debt under different account numbers and dates of last activity. 
XXXX XXXX XXXX accounts XXXX & XXXX reporting late payments inconsistently across bureaus and misstating current status. 
XXXX XXXX XXXX XXXX XXXX shows collection activity beyond 7-year limit and conflicting Date Last Active. 
XXXX XXXX XXXX XXXX duplicate reporting on two separate files for the same debt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX open collection status after consumer dispute without updated investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX no verifiable authorization to collect ; missing original contract details. 
XXXX XXXX XXXX incorrect charge-off balance and failure to reflect consumer closure request. 
XXXX ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) same account re-aged and sold multiple times to XXXX without notice. 
XXXX XXXX XXXX inaccurate late payment sequence and unverifiable balance. 
XXXX XXXX XXXX reports 30 days late on a XXXX-balance account in violation of Metro-2 field codes. 
OXXXX XXXX improper charge-off and re-aging of a loan reported closed since XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: MN

Complaint narrative:
Cash App has a business or personal account. I mistakenly setup a business account. So every time I received money from friends or family, Cash App would take money for fees. I just realized this so now I have changed account to personal. I asked Cash App if there was anyway I could get reimbursed for the fees they took and they said they cant review my account history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2025-10-28 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: GA

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2025-10-28 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: NJ

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: NJ

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-10-28 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:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is ( 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 2025-10-28 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: MO

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous 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 non-monetary relief
Consumer complaint received 2025-10-28 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: MO

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Chase cancelled my credit card but I made payments to have it remain open. They will not refund or transfer balances to a new card. They hung up on me trying to reach escalation department. Extremely unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint to request that Equifax correct the personal information section on my credit report. I have been a victim of identity theft several times in the last few decades. Please remove all the inaccurate information that does not belong to me and only include information that is accurate on my report. I have included a letter that I mailed to Equifax that includes all of my personal information that is accurate. Thank you for your time with this matter. 

I have included my social security card, driver 's license, and utility bill for identity verification purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OR

Complaint narrative:
Received an email from resurgent capital services on XX/XX/year> that did include required information such as : My name and mailing information this was not provided The full account number associated with the debt ( if any ) An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date An end date for a 30-day period when you can dispute the debt The original email text follows, personal details omitted. 

This important message is for [ name ]. If you are not this person please respond letting us know. 
Resurgent Capital Services logo Fear of Commitment? We Understand. 

We created the Resurgent Customer Portal to allow our customers to view information about their account. No pressure, no commitment. 

You can explore details about your account balance, payment history, and original creditor without the pressure of someone on the other end of the line. 
Show me More Please review your account details below : Account Number : Ending in XXXX Original Creditor : XXXX XXXX XXXX 

Current Owner : LVNV Funding LLC Resurgent ID : XXXX Current Balance : {$1200.00} View Your Account Have questions or need assistance with your account? Hit reply to this email or visit the Contact page of our website here to connect with our friendly and knowledgeable Customer Care Team. 
Resurgent Capital Services logo Connect with us! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Resurgent Capital Services L.P. AlXXXX rights reserved. 
Phone : XXXX ( XXXX ) XXXX Physical Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX General Disputes/ Correspondence : XXXX XXXX XXXX XXXX XXXX SC XXXX Credit Bureau Disputes : XXXX XXXX XXXX XXXX XXXX SC XXXX Hours of Operation : Monday - Thursday XXXXXXXX XXXX Friday XXXX EST Saturday XXXX EST Sunday XXXX EST Resurgent Account ID : XXXX Ref Code : XXXX Privacy | Unsubscribe Notice : See below for important information THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/XXXX, I submitted five billing-error disputes for small duplicate charges that posted twice on my checking account. This was my first time filing disputes on this account. According to Chase, a 30-day account-closure notice was issued on XX/XX/XXXX with a scheduled closure of XX/XX/XXXX. I did not receive this notice. I only learned about it on XX/XX/XXXX at the Chase XXXX XXXX branch ( XXXXXXXX XXXX ) when the teller asked why I was depositing funds if my account was being closed and then provided those dates. 
On XX/XX/XXXX, I opened a claim for unauthorized XXXX transactions ( XXXX in total ). It was initially classified as a misrepresentation claim. I immediately sent secure messages ( attached ), withdrew that claim, and asked that it be reclassified as fraud. 
On XX/XX/XXXX, the claim was reclassified as a fraud claim for unauthorized transactions. I secured my account by removing my card from XXXX XXXX and canceling my physical card. I have written confirmation that provisional credit was issued for these transactions. 
On XX/XX/XXXX, the branch teller reiterated that the account was set to close XX/XX/XXXX due to multiple claims. The Chase Claims Department later said the closure decision was triggered by my XX/XX/XXXX disputes. Of the five disputes, four were resolved in my favor ( each {$10.00} ). and decision is irreversible and i cant bank with chase again. 
I believe my account is being closed in response to my lawful use of the error-resolution process and my subsequent Regulation E fraud report. The closure notice date ( XX/XX/XXXX ) is the day after my first-ever disputes and before my XX/XX/XXXX fraud reclassification, which makes the timing concerning. I am requesting a transparent review of the closure decision and proper handling of the fraud claim consistent with Regulation E, including a timely written decision if the investigation is extended. 
This unexpected closure has created uncertainty about access to funds and disrupted my ability to manage regular payments. I am cooperating fully and can provide documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: PA

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. 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. 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. Equifax, XXXX XXXX XXXX are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: SC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  ] Account Number : [ 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