vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 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: TX

Complaint narrative:
I am filing a formal dispute regarding incorrect information on my credit report provided by Equifax Information Services LLC. My credit report contains inaccurate late payment notations for the account 1 ) -XXXX XXXXXXXX with account number 1 ) XXXX, which do not accurately reflect my payment history. 
Issue Details : 1. Reporting Errors : o According to my records, all payments for this account were made on time and as agreed. 
o However, the incorrect late payment notations have lowered my credit score, limiting my ability to obtain fair financial terms. 
2. Violations of Applicable Laws : o Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i & 1681s-2, credit reports must be accurate and complete. I disputed this error, but no correction has been made. 
o Truth in Lending Act ( TILA ) : Under 15 U.S.C. 1637 ( b ), creditors must provide accurate and timely billing statements. This reporting error violates that requirement.

o Fair Credit Billing Act ( FCBA ) : Under 15 U.S.C. 1666 ( b ), creditors must send billing statements at least 21 days before the due date. This was not done, contributing to the inaccurate reporting. 
o Protection Against Non-Payment of Obligations Act ( PAANL ) : Late payment reporting due to administrative or communication errors violates the act and must be corrected.

3. Previous Attempts to Resolve : o I have disputed this directly with Equifax Information Services LLC, sending multiple letters requesting a correction.

o To date, no effective action has been taken to correct these errors.

4. Federal Trade Commission ( FTC ) Involvement : o Given the lack of response, I have also filed a complaint with the FTC on XX/XX/year>25 under complaint number XXXX, requesting their intervention in this matter. 
o The failure to properly investigate and correct my dispute violates federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: CBC Companies, Inc.
State: TN

Complaint narrative:
I applied for a new car and was declined because of negative items on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: CA

Complaint narrative:
I filed disputes with Experian concerning accounts that I believe to be inaccurate or unverifiable. Experian failed to fulfill its responsibility under the Fair Credit Reporting Act ( FCRA ) to conduct a thorough and timely reinvestigation. The disputed accounts still appear on my credit report without valid justification, continuing to negatively impact my credit standing.

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 2025-08-09 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:
I submitted a formal dispute to the credit bureau, along with all documentation required under federal lawincluding a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Bseeking the prompt removal of fraudulent information from my credit report. Despite full compliance with these statutory requirements, the bureau failed to block the disputed information within the four-business-day period mandated by law. I respectfully request that the CFPB investigate this clear violation of the Fair Credit Reporting Act and take appropriate enforcement action to ensure the permanent deletion of the fraudulent data. Enclosed are copies of my dispute letter and all supporting documentation for your review.

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 2025-08-09 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: NY

Complaint narrative:
In my TransUnion credit report, there are multiple inaccuracies that I have disputed repeatedly, yet they remain uncorrected. This is now my fourth round of disputes, and I believe TransUnion is failing to comply with the Fair Credit Reporting Act ( FCRA ) by continuing to report false and unverifiable information. The errors include wrong addresses and incorrect account information that are harming my credit profile and financial opportunities. 

Two addresses are still showing on my report even though they have no connection to me. XXXX XXXX XXXX, XXXX, XXXX  XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX are both incorrect. I have never lived at these locations, and their presence on my file creates the risk of mixed credit files and identity confusion. Under FCRA 607 ( b ), TransUnion must follow reasonable procedures to assure maximum possible accuracy, yet these false addresses have remained despite my repeated disputes. 

There are also several accounts that are being reported inaccurately. The first is XXXX # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX, High Credit : {$0.00} XXXX XXXX which is listed as a charge-off without any verifiable proof. The second is XXXX XXXXXXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$690.00} XXXX XXXX which contains false late payment notations. The third is XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$470.00} XXXX XXXX  which also contains inaccurate late payment history. 

I have asked TransUnion to provide proper verification under FCRA 611 ( a ), which requires a reasonable reinvestigation and deletion of unverifiable information. They have failed to produce documentation from the furnishers proving the accuracy of the negative information. Instead, the same entries remain on my file, which shows either a lack of investigation or willful disregard for my rights. 

FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) also requires TransUnion to provide the name, address, and phone number of each furnisher, as well as the method of verification used when they claim to have verified disputed information. I have not received this information. Continuing to report false and unverifiable accounts, along with unrelated addresses, is a clear violation of both FCRA 607 ( b ) and 611. 

These inaccuracies are lowering my credit score, preventing me from obtaining fair credit, and causing emotional and financial harm. I am requesting that the Consumer Financial Protection Bureau investigate TransUnions handling of my disputes, compel them to permanently delete these inaccurate items, and ensure that they comply with all provisions of the Fair Credit Reporting Act.

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 2025-08-09 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: PA

Complaint narrative:
I checked my credit report this morning and was alarmed to see accounts that are inaccurate, with no explanation as to why they are showing up. Hoping it was just a glitch, I refreshed my browser, but the accounts remained. For this reason, Im requesting a thorough examination of the documents I sent so that I no longer have to be concerned about this matter.

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 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OK

Complaint narrative:
I went to a local gas station to get a couple drinks at XXXX on Monday, XX/XX/XXXX. I came home a few minutes later and at XXXX the same day, about an hour of my being home my Chime account was charged three times by a XXXX XXXX store in my city, each transaction happened within 1 minute and each transaction was XXXX dollars totaling XXXX dollars and over drafting my account. I immediately called chime customer support and they told me that I needed to file a dispute through their banking app, I had already filed a dispute so then they told me that I would have to wait for them to investigate the charges and I would be provided with provisional funds in the meantime. They never provided me the provisional funding, and they denied my dispute. I then called them again and told them what had happened, filed a report with my local police, and filed another dispute including evidence from my security camera of the time I arrived home after my trip to the store as well as photos on the police report I filed. A couple weeks later that dispute was also denied. I suspect someone used a card scanner to scam my card while I was at the store, then printed a card with my information on it to use where ever they pleased and scam other stores. I am still getting notifications of charges trying to go through on my Chime account, and I haven't closed the account due to the overdraft fees from the transactions I did not authorize. I have screenshots of the unauthorized charges from the original incident as well as others that were unable to be processed due to the fact I have no money in my Chime account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-08 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: MO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Subject : Complaint Regarding Unauthorized Auto-Renewal Charge, Resulting Late Payment, and Unfair Credit Score Damage Dear Consumer Financial Protection Bureau , I am writing to formally complain about Chase Banks handling of an unauthorized auto-renewal charge on my credit card, which led to a late payment being reported and an extreme drop in mine and my husbands credit scores.

Details : I had an existing Chase credit card with an excellent payment history and a credit score of approximately XXXX. 
I was unaware that an old card had recurring payments set up for an annual subscription totaling around {$280.00}.

This subscription auto-renewed without my clear knowledge or consent, and I did not receive adequate notification prior to the charge.

Because I didnt realize this charge would post, the payment went unpaid, resulting in Chase reporting a late payment.

As a result, my credit score dropped drasticallyby approximately XXXX  pointsto XXXX, which has caused significant financial XXXX. 
Upon discovering the charge, I immediately paid the balance in full and contacted Chase to request a goodwill adjustment to remove the late payment from my credit report. 
Chase refused to remove the late payment, despite my long history of on-time payments and the fact that this was tied to an auto-renewal charge I was not aware of. 

I believe this situation constitutes an unfair reporting of negative information due to a charge that was unauthorized or improperly disclosed, and I request CFPBs assistance in investigating this matter. 

Specifically, I am requesting : That Chase Bank be required to remove the late payment from my credit reports with all three major credit bureaus. 
That Chase provide clear documentation verifying the legitimacy and authorization of the auto-renewal charge. 
That Chase ensure proper notification procedures consistent with automatic renewal laws were followed. 

Please let me know if any additional information is required. Thank you for your time and assistance in resolving this serious issue. 

Sincerely, XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: NJ

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am writing to express my deep dissatisfaction and concern regarding the holding of the funds in my Square account. As of XX/XX/year>, an amount totaling {$870.00} has been withheld without justification, Despite my persistent efforts to resolve this issue through square customer support channels, I have encountered nothing but delays and unhelpful responses. The lack of transparency regarding the reasons for withholding my funds only adds to my frustration and XXXX. 

I urgently request the immediate release of the entirety of my funds. Additionally, It is imperative that this matter is addressed with the utmost urgency and efficiency. I trust that you will prioritize this complaint and take swift action to rectify the situation and release my funds. I eagerly await your prompt response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: January Technologies, Inc
State: NV

Complaint narrative:
I am filing this complaint because January is attempting to collect on multiple XXXX  accounts that were impacted by a documented fraud incident in late XXXX and early XXXX. 

During that period, my linked bank account was repeatedly overdrawn due to fraudulent withdrawals unrelated to XXXX. I notified XXXX of the fraud and the account issues at the time and asked for help preserving my credit standing. Despite my communication, XXXX continued to auto-debit small loan payments ( about 20+ per month across multiple loans ) from an account that was already overdrawn, triggering a cascade of returned payments. 

This was not a case of me abandoning the debt it was a mishandled fraud-related hardship. XXXX should have paused collections and worked out a resolution, but instead they allowed the accounts to default and then transferred all balances to January a few months ago for collection. 

January is now pursuing me for these balances without acknowledging the underlying fraud, the mishandling by XXXX, or the fact that my credit has been severely damaged because of it. This harm is ongoing, as January continues to report and attempt to collect on these accounts despite the dispute and the documented fraud, further damaging my credit and financial stability.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
My last time adding funds to my XXXX account was XX/XX/year>, when I tried on XXXX I received a message that I needed to contact customer service. I contacted them twice on XXXX and was told there are no issues with my account their system was just blocking me. It was recommended to give it a few days which I did then contacted XXXX again and was told I had to link my bank account vs my debit card as I had been. I did this and tried same result, I escalated my concern and have been emailing tonight XXXX with a supervisor who is saying no one can override the system to fix this. I asked for a reason as I have not violated the end user agreement or done anything wrong and was told correct I have not done anything wrong but their system is flagging my transactions and as such no one can override or help resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted disputes to Equifax regarding accounts that I believe are inaccurate or unverifiable. Despite my formal disputes, Equifax failed to conduct a reasonable investigation and take the necessary corrective actions within the timeframe required under the Fair Credit Reporting Act ( FCRA ). The accounts remain on my report without any meaningful update or explanation, resulting in ongoing harm to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: PA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXXXXXX XXXX  - Account NumbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$120.00} XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4800.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This complaint is not a mistake. My credit report contains inaccuracies that fail to meet the highest standards of accuracy required under the Fair Credit Reporting Act ( FCRA ). These errors are causing ongoing and substantial harm to my financial standing and personal well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: GA

Complaint narrative:
I am writing to follow up on my previous correspondence regarding my request for the removal of fraudulent items from my credit report. I previously requested that Experian and Equifax  remove these items from my credit file. I am now reiterating my request to ensure that all fraudulent items I have identified are removed by Experian and Equifax  credit bureaus. Please find the list of items below that I would like to be removed. 
XXXX XXXX XXXX XXXX Balance : {$38000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$46000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX  XXXX XXXX balance {$210.00}

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