vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 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: NV

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Information under FCRA 1681i and Metro 2 Compliance I am writing to formally dispute multiple inaccurate entries on my credit report under the Fair Credit Reporting Act ( FCRA ) 1681i. Upon reviewing my report dated May 15, 2025, I identified serious Metro 2 and FCRA compliance violations as outlined below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance reported as active despite charge-off - Payment history grid continues after charge-off date - No clear Date of First Delinquency ( DOFD ) - Dispute remark present with no reinvestigation confirmation XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Account appears re-aged - XXXX XXXX disclosed - Inaccurate grid reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} balance while still showing charge-off - Missing Date of Last Activity XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No payment history timeline shown - Conflicting dispute remark still listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Overlimit usage reported without limit - Late payment history reported on a closed account - Status mismatch : closed account reported delinquent Under FCRA 1681s-2 ( b ), 1681e ( b ), and 1681i, these accounts are being reported with materially false and misleading data, constituting grounds for immediate reinvestigation and deletion.

I request a full reinvestigation of each account, including verification from the original data furnisher. If you can not verify the accuracy in compliance with Metro 2 standards, these items must be deleted per FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates 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, add 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 the appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: LA

Complaint narrative:
I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards Experian, Transunion, and Equifax for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-01 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: NY

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Thursday XX/XX/year> I decided to add my wife to my account as a joint account holder to give her some control and her name tied to an address so she could get the Real ID to fly ( we are in the process of moving states, I am in the new state working and her and my son are in the previous state ) Friday XX/XX/year> I attempted to use my card to get gas for work, it declined so I called Capital One and was told although it is my account ( and has been for 5 years ) I was told that I was not allowed to be given information about this issue but my account is restricted. My wife then called and was told to submit documents to prove identity. I entered the very last number of her social security number incorrectly in the application. She submitted the documents and we were told to wait 1-3 business days for a resolution Saturday XX/XX/year> My wife and I shared a 3 way call with a Capital One Rep. to verify the documents were received and if there was anyway to access the funds to feed our child or ourselves or put gas in the car to get to work and were denied any access to my funds Sunday XX/XX/year> Cash was depleted and the only food and gas was what we currently had Tuesday XX/XX/year> We begged for any help from the bank zero care was given. Wife was given a status of 7-10 business days Wednesday XX/XX/year> My wife called to check on the status was given estimate of 1-3 business days Thursday XX/XX/year> My wife called to check the status and was given 1-3 business days although we are past that point now Friday XX/XX/year> My almost XXXX dollar check was not deposited although the previous 2 weeks there was zero issue. Work stated everything went through on their end. Capital One claims it doesnt exist. My wife called and was told it was never 1-3 business days it was always 7-10 business days Saturday XX/XX/year> Food is running out gas is low and Capital One doesnt Care zero access to funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: DC

Complaint narrative:
I am writing regarding Account beginning with XXXX, which appears on my credit report. I do not recognize this debt and was not given the opportunity to dispute it as required under the Fair Debt Collection Practices Act ( FDCPA ). 

If you believe that proper notification was provided, please supply documentation showing delivery via certified mail, including a signed receipt as proof. If you are unable to provide this verification, I respectfully request that you immediately remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: AZ

Complaint narrative:
I do not recognize these addresses. Please immediately remove from my credit report. Thank you XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX Double XXXX XXXX XXXX XXXX XXXX GA 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 2025-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rausch Sturm LLP
State: WI

Complaint narrative:
Company refuses to return calls or answer phone. website doesn't work for submitting payments ... XXXX of XXXX reviews show others having same issues. Meanwhile credit is negatively affected and We have the concern of if they will sue us.

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
In XX/XX/XXXX, I disputed 3 erroneous claims in my LexisNexis report. LexisNexis showed one homeowner 's insurance claim I made with XXXX in XX/XX/XXXX as 3 erroneous claims. I sent them a letter from XXXX showing only one claim. However, each insurance company I attempt to get homeowner 's insurance quotes from still shows these 3 erroneous claims in their LexisNexis database, and will not insure me based on that information. LexisNexis phone representatives claim the disputed information has been removed, but insurance companies are telling me it is not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am disputing a 30-day late payment reported on my XXXX account ( # XXXX ) in XX/XX/year>. These late payments appear on one bureau 's report ( Experian/XXXX  ) XXXX but not on XXXX  or my third-party monitoring report ( XXXX ) .I have made timely payments and request that these inaccurate entries be removed. Previous disputes have not resolved the issue. This is affecting my credit unfairly.

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 2025-06-01 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: NY

Complaint narrative:
I am disputing a 30-day late payment reported on my XXXX account ( # XXXX ) in XX/XX/year>. These late payments appear on one bureau 's report ( XXXX/TransUnion ) , but not on XXXX  or my third-party monitoring report ( XXXX ) .I have made timely payments and request that these inaccurate entries be removed. Previous disputes have not resolved the issue. This is affecting my credit unfairly.

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 2025-06-01 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: VA

Complaint narrative:
I am filing this formal complaint against the following furnishers and credit reporting agency ( Equifax ) for continued reporting of unverified, inaccurate, and potentially unlawful collection accounts under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines. Despite previous disputes and consumer statements, these accounts continue to report without verified documentation or compliance with federal law. 

* * Disputed XXXX Accounts : * * XXXX. XXXX XXXX XXXX {$460.00} Opened XXXX XXXX. XXXX XXXX XXXX {$570.00} Opened XXXX XXXX. Bounce XXXX XXXXXXXX {$600.00} Opened XXXX XXXX. XXXX XXXX XXXX {$610.00} Opened XXXX XXXX. XXXX XXXX XXXX {$620.00} Opened XXXX XXXX. XXXX XXXX XXXX {$620.00} Opened XXXX XXXX. XXXX XXXX XXXX {$1400.00} Opened XXXX XXXX. XXXX XXXX XXXX {$2600.00} Opened XXXX * * Violations Include : * * - Failure to validate debts as per FCRA 1681i and 1681s-2 ( b ) - Failure to maintain maximum possible accuracy ( FCRA 1681e ( b ) ) - Reporting unverifiable and incomplete data in violation of Metro 2 standards - Lack of method of verification upon request ( FCRA 1681g ) - Re-aging and continued furnishing after disputes These items are negatively affecting my creditworthiness and causing financial and emotional harm. I respectfully request the CFPB demand that Equifax and the furnishers above either provide documented proof from the original creditors validating these accounts, or delete and block the accounts under FCRA 1681c-2.

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 2025-06-01 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: VA

Complaint narrative:
I am filing this formal complaint against the following furnishers and credit reporting agency ( Equifax ) for continued reporting of unverified, inaccurate, and potentially unlawful collection accounts under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines. Despite previous disputes and consumer statements, these accounts continue to report without verified documentation or compliance with federal law. 

* * Disputed XXXX Accounts : * * XXXX. XXXX XXXX XXXX {$460.00} Opened XXXX XXXX. XXXX XXXX XXXX {$570.00} Opened XXXX XXXX. Bounce XXXX XXXXXXXX {$600.00} Opened XXXX XXXX. XXXX XXXX XXXX {$610.00} Opened XXXX XXXX. XXXX XXXX XXXX {$620.00} Opened XXXX XXXX. XXXX XXXX XXXX {$620.00} Opened XXXX XXXX. XXXX XXXX XXXX {$1400.00} Opened XXXX XXXX. XXXX XXXX XXXX {$2600.00} Opened XXXX * * Violations Include : * * - Failure to validate debts as per FCRA 1681i and 1681s-2 ( b ) - Failure to maintain maximum possible accuracy ( FCRA 1681e ( b ) ) - Reporting unverifiable and incomplete data in violation of Metro 2 standards - Lack of method of verification upon request ( FCRA 1681g ) - Re-aging and continued furnishing after disputes These items are negatively affecting my creditworthiness and causing financial and emotional harm. I respectfully request the CFPB demand that Equifax and the furnishers above either provide documented proof from the original creditors validating these accounts, or delete and block the accounts under FCRA 1681c-2.

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 2025-06-01 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: OH

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-06-01 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: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts information reporting to my credit report.These remarks have been detrimental to my life and credit health for years

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 2025-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Debt was sold to midland credit XX/XX/year> they own the debt I never signed a contract with midland credit or had a credit card from them XXXX XXXX is who I had the contract and card with credit limit XXXX was charged off balance is XXXX now midland credit purchase the debt and now is charging me XXXX and that is fraud they open a account without my consent and XXXX XXXX sold my account without my consent it no longer belongs to me it belongs to midland credit this is fraud I have no contract with them and never herd of them before they opened and purchase my debt without my consent which is fraud now its ruining my credit I can make no purchases now

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: WA

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I recently applied Chase XXXX XXXX credit card for me summer holidays. It was my 1st application to Chase so i prepared in details and submitted on XX/XX/XXXX. After several days, Chase sent me email and asked me to provide further documents to proceed. I did exact as the requirements and the application was declined shortly. I tried to call Chase line to get some ideas like if the document isn't clear for reviewing or do i need submit more for decision. The specialists only asked me to go to branch or apply again, refused to tell me what's the problem. I faxed the documents again and hope they can compare and examinate them but no one responsed. So i called again and again. Per spoke with one or two nice staff, i only know my 1st uploading was rejected by system automatically, and even later they promised me that my application will be reviewed in person, I still got latest feedback yesterday that the system turned me down again without any reason. I'm very confused about the procedure in Chase bank. 1 ) all same documents are accepted by other banks, why they're not working in Chase? 2 ) I did as they suggested, but in whole procedure only system declined me, no real person from reviewing team ever talked to me. Since system takes charges and can not be revoked, why there's public reconsiderion line for us? 3 ) different specialists gave me different advises, I was misleaded every time. The o

nly two thing in common are " go to branch but no guarantee '' and " this application was declined, you may apply again after 30 days but still no guarantee '', when i asked if there's any supervisor to solve this problem for me, they all hanged off.

I'm not very angry about the failure in application, there's chance my profile being accepted by other banks but fails in Chase. I'm very disappointed how Chase treat their customers ( or potential customers ) The application process is really a chaos cause you never know the standard and i doubt if there's, the specialists also don't willing to help me but fool me around all the time by saying " system did that, i don't know ''. Some of them don't even listen to my enquiry but interrupt me very rudely. It's proved to be a waste of time and energy during this application, especially when you respect them in every detail, but they treats you in such unprofessional way. 
Yesterday one specialist named XXXX said i'm free to escalate complaint here, so I write this for you guys to review. The reference number is # XXXX since it will expired soon. Hopefully there will be some resolution for me. Many thanks for your time!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a customer.

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