vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-25 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-05-25 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
LVNV Funding LLC # XXXX Im aware of this debt and did not have the opportunity to dispute this account.If you believe you sent proper notification, please provide Certificate Mail with receipt displaying my signature. If not, please delete this account # XXXX as soon as possible from my report or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Chase fraud protection did not cancel my card on XX/XX/year>XXXX  after I confirmed NO transactions were NOT me via text and telephone call. XX/XX/year>XXXX  was the day I took off from work to drive to XXXX  ca to Chase Bank branch because new card had not arrived in the 5-7 days estimated by chase fraud. A manager confirmed there was still debits from the card up to that day. Manager confirmed card was active and canceled the card personally and ordered new one. Manager filed initial claim with me present to confirm unauthorized EFT transactions and submitted a dispute personally with Chase Fraud. Adjustments were made to my account via branch manager. None of the corresponding mail i was supposed to recieve via Post Office I have not gotten to this day. New card finally showed up XX/XX/year>. Numerous phone calls with chase fraud totalling approx 10hrs has resulted in multiple disputes with incorrect reported or disputed amounts. Requested documents from me have all been uploaded per request by chase personnel. I have requested documents used to deny my claims as well as reasons my account was not credited within timelines. Total amount reveresed to my account was {$2700.00} out of the {$4700.00} disputed between XX/XX/XXXX to current. XX/XX/year>XXXX  chase bank took out XXXX from my account claiming " i was issued credit from vendor and the the provisional credit was going to be taken back by bank. This ultimately overdraft my account by {$490.00} and now bank is stating " account holder is liable '' which i am not. Chase Bank is liable under EFTA, FDIC, UCC etc. This morning the bank took the overdraft out of my payroll deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
On XXXX XXXX 2025 several transactions occurred on my Cash App account that I didn't make and or authorize There were 5 transactions all for XXXX dollars each totalling {$250.00} The only reason I became aware of the transactions was I received an email from my bank that was linked to the account. I expressed to my bank that I didn't make these transactions. My bank instructed me that they would cancel my debit card but I have to contact Cash app to request a refund and make them aware that I didn't make these transactions and my account must of been hacked or frauded. When I called Cash app the representative I talked to said that he would generate a fraud claim. I followed up with several emails and phone call. They seem to have gotten nowhere where

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Complaint Against : American Express XXXX : Improper handling of a fraudulent charge dispute Submitted By : XXXX XXXX Relevant Parties : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX Account Type : American Express Credit Card Complaint Description : I am filing a formal complaint against American Express for its mishandling of a fraud dispute regarding a charge from XXXX XXXX of XXXX XXXX, XXXX. Despite providing clear documentation that this charge was unauthorized and involved no signed agreement, no card authorization, and no services rendered, American Express has improperly sided with the merchant. 

Here are the facts : I never authorized this charge, never signed a credit card authorization form, and never approved any charges through swipe, chip, or entry. 

I did not retain XXXX XXXX for any follow-services after our initial conversation because he immediately began acting unprofessionally and unethically. 

I have ongoing litigation and filed disciplinary complaints against his license and he retaliated by dumping a bunch of defamatory information in his rebuttal with information that isnt my information. The information provided is highly insulting. 

This is not a billing disputeit is fraudulent use of my credit card by a legal service provider who knowingly acted without authorization. American Express has violated its own fraud policies by refusing to escalate or reverse this charge, despite having detailed evidence that no services were rendered and no authorization was given. 

I am requesting immediate CFPB review and an order requiring American Express to : 1. Fully reverse this unauthorized charge, 2. Correct my account records, 3. Provide written confirmation that this merchant will no longer be allowed to charge my account, and 4. XXXX what internal policies were followed when denying this disputedespite clear, sworn allegations of fraud. 



Resolution Sought : Full reversal of the charge Written explanation from American Express Sanctions or investigation into Amexs dispute practices if systemic failure is uncovered

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: RI

Complaint narrative:
I am writing to file a formal complaint against Equitax a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. I sent a letter to Equifax notifying them of the reinsertion of XXXX XXXX  XXXX account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). waiting for 35 days after sending the letter, Equifax has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. Equifax actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Equifax they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: RI

Complaint narrative:
I am writing to file a formal complaint against Equifax a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. I sent a letter to Equitax notifying them of the reinsertion of XXXX XXXX XXXX XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). waiting for 35 days after sending the letter, Equifax has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
Equifax actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Equifax they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Alliance One, Inc.
State: VA

Complaint narrative:
On XX/XX/year>, I paid the remaining balance with XXXX, account number XXXX. Reference number XXXX with XXXX will confirm that I have paid this balance. I owed {$560.00}. See attached file " XXXX payment.pdf '' for a payment of {$530.00} as I received a {$35.00} credit towards my balance from XXXX. 

On XX/XX/year> I received a letter from XXXX stating that my XXXX debt had been sold to XXXX reference XXXX, stating that I owe the amount previously settled. I am challenging this debt as my accounts with XXXX are paid in full. See file " XXXX XXXX debt letter.pdf '' for the debt letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have been receiving someone elses ( XXXX XXXX ) mail at my residence ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for over a year from US Bank. I have called US Banks customer service several times within the year, I have sent back the mail marked no such person lives here send back to sender AND I also emailed the office of the president back on XX/XX/year>. I received a response from US Bank back in early XXXX basically instructing me to contact their customer service number should I continue to receive this persons mail. To this day, I still continue to receive this person Mail. I am at the point I refuse to go through the hassle of calling their customer service line, ( which is no help ). In addition, I sent a second email to the office of the president telling them to STOP. This is not my problem and I wanted to stop immediately. It appears to be an advertisement, however Im not sure? I do not open it because that would be against the law. However, it is also in my eyes, a privacy breach due to it being someone elses mail.

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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: MS

Complaint narrative:
I am disputing how Upgrade Inc. is reporting an account on my XXXX credit file. The account shows two charge-off dates ( XXXX and XX/XX/XXXX ), which is inaccurate and violates proper credit reporting guidelines. I was on auto-pay and made consistent payments through XX/XX/XXXX. However, Upgrade reported underpaid auto-drafts ( e.g., {$450.00} paid vs. {$450.00} scheduled ) without ever notifying me of an issue, then charged off the account anyway. 

In additionXXXX XXXX XXXXs showing a high balance/credit limit of over {$20000.00}, which is not reflective of any actual usage or agreement and appears artificially inflated. This may impact my credit utilization and is misleading. 

I have not received any proper explanation or validation from the company, and these reporting errors are damaging. I am requesting that the CFPB require Upgrade Inc. to provide complete and accurate documentation or remove the account from my credit report entirely under FCRA 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: MI

Complaint narrative:
I am submitting this complaint regarding an account reported by XXXX XXXX XXXX XXXX as a charged-off personal loan on my credit reports. I have sent a detailed and notarized dispute letter to Above Lending dated XX/XX/year>, requesting full validation of the debt and clarification of the charge-off status in accordance with the Fair Credit Reporting Act ( FCRA ) and Fair and Accurate Credit Transactions Act ( FACTA ).

Despite their prior " verification '' of the account, the information remains incomplete and potentially misleading. Specifically : XXXX XXXX reports a charge-off status with a {$0.00} balance but has not issued a 1099-C cancellation of debt notice.

They claim to still own the account, yet report no ongoing collection or payment activity.

I requested extensive documentation including a copy of the original signed agreement, billing statements, itemization of interest and fees, and METRO-2 reporting records to ensure compliance and data integrity. To date, I have not received complete documentation or a sufficient explanation of how the debt was verified.

I also requested clarification under Sarbanes-Oxley Act accounting standards regarding their internal charge-off procedures and reporting processes.

Their continued reporting of this account without clear proof of its legal status and accurate accounting is a violation of FCRA 1681e ( b ), 1681s-2 ( a ), and 1681i. It causes unjust damage to my credit and misrepresents the nature of the debt.

I am requesting that the CFPB intervene and compel XXXX XXXX to : Provide full and proper validation of the alleged debt with signed contractual documentation and accounting Delete the account if they are unable to legally validate it or continue to report incomplete or unverifiable information Cease all reporting until they can demonstrate full compliance with consumer law and data reporting standards

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, 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 and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-05-25 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Request for Investigation and Deletion of Unauthorized Hard Inquiries Reported by Experian Dear CFPB Representative, I am formally submitting this complaint against Experian because my credit report shows multiple hard inquiries that I do not recognize or authorize. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S.C. 1681b ( c ), no consumer reporting agency may provide information from my credit file unless I have given express permission. However, I have identified the following inquiries on my Experian credit report that were not authorized by me : 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  On record until XX/XX/XXXXXXXX  These companies did not have my authorization, nor did I initiate any credit applications that would justify these inquiries. I respectfully request the CFPB to investigate this matter and require Experian to : 1. Immediately remove the unauthorized hard inquiries listed above from my credit report.

2. Provide verifiable evidence of my consent for each of these inquiries, in accordance with 15 U.S.C. 1681b ( a ).

3. Cease any further violations of the FCRA, as these unauthorized uses are unjustly damaging my credit score. 

Thank you for your attention to this matter. I look forward to a prompt resolution.

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 2025-05-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
I am copying and pasting this from my credit reports BANK OF AMERICA 37potentially negative months {$3200.00} Closed Account info Account name BANK OF AMERICA Account numbeXXXX XXXX  Original creditor - Company sold - Account type Credit card Date opened XX/XX/XXXX Open/closed Closed Status Account charged off. {$3200.00} written off. {$3200.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$3200.00} Balance updated XX/XX/XXXX Credit limit {$3000.00} Monthly payment - Last Payment Date XX/XX/XXXX Past due amount {$3200.00} Highest balance {$3300.00} Terms - Responsibility Individual Your

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 2025-05-25 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: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have a TWIN brother and the listed ACCOUNTS belong to HIM. His social is XXXX. THESE ACCOUTNS ARE NOT MINE.

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