vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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:
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 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 2025-12-15 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: FL

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: FL

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 theXXXX 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 2025-12-15 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: WA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Imprint Payments, Inc.
State: WA

Complaint narrative:
XXXX XXXX XXXX moved their credit card provider from Synchrony to XXXX during the last couple of months. During this time I was charged interest on my account twice. When I opened the account I did so with the special XXXX percent interest free for XXXX years deal due to the amount of my purchases. I have automatic payment schedule set up and have never missed a payment. They have also during this transition switched from paper statements to just on-line emails. Only the balance and minimum payment due is shown unless you drill into the account on line. I was told by a representative from XXXX that they would look into this and try and remove the interest within XXXX days. Many other people have listed their complaints with the same exact issue. 
XXXX has also reported to the credit agencies as my account being new and active since XX/XX/year> when I originally opened the account in XXXXXXXX XXXX XXXX with the previous provider. This information obviously did not get transferred over.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
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 XXXXXXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: NY

Complaint narrative:
I am submitting this complaint with complete certainty and growing frustration. There are multiple errors on my credit report that can no longer be ignored, as they have been negatively affecting my credit score and disrupting my ability to achieve financial stability and independence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I am disputing XXXX items that appear on my credit report. 
XXXX account is with XXXX XXXX XXXXResurgent/LVNV funding . I sent a debt validation letter requesting verification of this account. The company did not respond, and it has now been well over XXXX  days, actually several months. Despite this, XXXX XXXXontinues to report the account as verified even though the creditor never provided validation. 
The second account is with XXXX XXXX. This account is fraudulent. I never opened or authorized this account. I disputed it with XXXX, but the account was not removed and continues to be reported on my credit file. 
I am requesting that these items be corrected or removed because XXXX account can not be validated and the other is the result of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: NJ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax & XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: RI

Complaint narrative:
Dear I C SYSTEMS : XXXX XXXX XXXXXXXX ; There are 2 alleged accounts fraudulent reporting from IC SYSTEMS original creditor : XXXX XXXXXXXX ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX & # XXXXXXXX XXXX XXXX XXXX XXXX  ). I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : Original Credit Agreement ( the contract I allegedly signed, if applicable ) Full Itemized Statement ( showing how the balance was calculated ) Forward Flow Agreement ( proving debt transfer from original creditor ) Chain of Title / Assignment Documents ( showing legal transfer of ownership ) Complete Payment History Records ( verifying payments or delinquencies ) Validation Notice ( per FDCPA 1692g ) Notice of Default / Intent to Collect ( as required by law ) Proof of Statute of Limitations ( confirming debt is legally collectible ) Credit Reporting Agreement ( authorizing reporting to bureaus ) Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable. 

Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including XXXX v. Trans Union, XXXX v. BEH-1, CXXXX v. Capital Credit, and XXXX v. XXXXconfirm that unverifiable or misleading data can not lawfully remain on a consumers credit file.

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 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MN

Complaint narrative:
I am filing a complaint against Cash App regarding an unauthorized transaction dispute on my Cash App Card and Cash Apps handling of my error notice and investigation. 

I have maintained my Cash App account for approximately 13 years with no material issues. Recently, my Cash App Card was used for transactions that I did not authorize. I promptly reported the unauthorized activity and submitted a fraud dispute. Cash App denied the fraud claim and then closed my account, stating their system flagged the dispute as fraudulent or false without conducting a proper investigation or providing supporting documentation. 

Disputed transactions ( unauthorized ) XXXX XXXX XXXX XXXX {$720.00} XX/XX/XXXX at XXXX XXXX  XXXX {$50.00} XX/XX/XXXX at XXXX XXXX  XXXX multiple transactions on XX/XX/XXXX totaling {$1500.00} ( individual amounts : {$180.00}, {$27.00}, and seven transactions of {$190.00} ) Total disputed amount : {$2300.00} What Cash App did wrong Denied the fraud claim without a reasonable investigation. 
Under the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693f, and Regulation E, 12 CFR 1005.11, a financial institution must investigate a reported error ( including unauthorized EFTs ) and either correct it or provide a valid determination within the required timelines. 

Failed to provide the documents relied upon to deny the dispute.

Regulation E requires that when an institution determines no error occurred, it must provide a written explanation and, upon the consumers request, promptly provide copies of the documents relied on in making that determination. See 12 CFR 1005.11 ( d ) ( and the parallel EFTA requirement in 15 U.S.C. 1693f ( d ) ).

Cash App did not provide any merchant documentation, charge details, or the evidence they relied on to deny my claim. 

Closed my account after I asserted my rights. 
Cash App closed my account after I filed a fraud dispute, which blocked my access and created financial harm. Regardless of any internal risk model, closing the account does not remove their duties to investigate and correct unauthorized transfers under EFTA and Regulation E. 

Harm to me I am out {$2300.00} from unauthorized card activity. 

My account closure disrupted my ability to access my funds and history and caused significant stress and operational disruption.

Electronic Fund Transfer Act ( EFTA ) : 15 U.S.C. 1693 et seq.

Error resolution duties : 15 U.S.C. 1693f Regulation E ( CFPB ) : 12 CFR Part 1005 Error resolution procedures : 12 CFR 1005.11 Consumer liability limits ( context ) : 12 CFR 1005.6

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
i opened an account and fraud happened almost instantly i repoerted the fraud while charges were still pending and they mark my account as restricted then i call and it says its closing and my money will be mailed as a check but i need my money now

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
My Wife sent our payoff amount for our SUV to Santander XXXX XXXX 2 weeks ago, one a check from XXXX XXXX XXXX XXXX along with a cashiers check for the remaining amount. We check today and only the cashiers check has been applied to the loan and the check for almost {$30000.00} from XXXX XXXX XXXX XXXX was lost. When we called to speak to a supervisor, we were told that it wouldnt help and that the supervisor would say the same thing, and was put on hold for hours. Im an XXXX XXXX service member and taking time away from work to drive 2 hours to my nearest branch is not ideal to get a replacement check to send off to possibly be lost again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: KY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-15 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: KY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
XX/XX/XXXX Back in XX/XX/XXXX, during the peak of COVID-19, I had three accounts with Navy Federal that showed three late payments. Ive called and written to them multiple times, asking them to remove this information, as I believe its wrong for any bank to report derogatory credit data at that time. Everything was shut downpeople were stuck at home, loved ones passed away, jobs were inaccessible, and bank branches were temporarily closed. Im not denying that I was late on my payments, but I dont think they should have been in a position to judge anyones creditworthiness during a global crisis. After one phone call, Navy Federal told me they sent out a letter ( after XXXX ) encouraging clients to reach out if they needed help due to COVID. While that may sound thoughtful, it didnt help me because I had been forced out of my home when I couldnt pay rent. The address they had on file no longer applied to me. Asking Why didnt you make your payments? at that time wasnt fairthe truth was I could have, but I was in shock over what was happening and unsure if it was business as usual. I couldnt go to work, had eviction notices on my door, and had to deal with people illegally taking residence on my property, all because of the pandemic. My rent was late, and my landlord couldnt legally help. Maybe I should have made the payment, but I didnt. I think the government should have required financial institutions to give people a break that month. Demanding payment when jobs and everything else were shut down seemed unreasonable, and Id expect the government to take the consumers side in such a situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: FL

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal 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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft ( FTC Identity Theft Report # XXXX ) and discovered a fraudulent credit card account ( ending in XXXX ) opened by an unknown thief using my stolen Social Security number and personal information. 
On [ date of your original letter ], I sent a formal dispute to XXXX XXXX XXXX with : Official FTC Identity Theft Report # XXXX Detailed explanation that I never opened, authorized, or used this account Demand for permanent deletion under FCRA 623 and 1681c-2 XXXX XXXX XXXX responded on [ date of their response ] with Case Number XXXX, stating they " investigated '' and determined the account information is " accurate. '' This response demonstrates : Failure to conduct a reasonable investigation - They ignored the official FTC Identity Theft Report Willful non-compliance with federal law - Continuing to report known fraudulent information Violation of FCRA 623 ( a ) ( 1 ) ( A ) - Reporting information they know to be inaccurate Violation of 15 U.S.C. 1681c-2 ( a ) - Failure to delete fraudulent accounts upon receipt of FTC Identity Theft Report The account was opened in XX/XX/XXXX without my knowledge or consent, discovered XX/XX/XXXX, and has a {$0.00} balance. I have never benefited from, authorized, or used this account in any way.

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