vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: FL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. I would like to assert that no permissible purpose under XXXX XXXX XXXX ( XXXX ) has been established and under the Fair Credit Reporting Act this must be established. 

XXXX XXXX XXXX ( a ) A financial institution XXXX not, directly or through any affiliate, disclose to a XXXX  XXXX  XXXX XXXX any nonpublic personal information. XXXX XXXX XXXX ( b ) ( XXXX ) A financial institution XXXX not disclose nonpublic personal information to a XXXX XXXX XXXX  unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information XXXX be disclosed to such XXXX XXXX ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such XXXX  XXXX  ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX section XXXX A Section XXXX : XXXX a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years. 

XXXX U.S.C XXXX ( a ) Time to make payments, A credit XXXX not treat a payment on a XXXX  XXXX account under an XXXX XXXX XXXX XXXX XXXX as late for any purpose XXXX U.S.C XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX XXXX ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: NC

Complaint narrative:
This is my XXXX  dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA XXXX and XXXX, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX. XXXX, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAmerican Express  \nXXXX XXXX XXXX XXXX XXXX  TX XXXX\n\nSubject: Request for Goodwill Adjustment  \nAccount Number: [Your Amex Account Number]\n\nTo Whom It May Concern,\n\nI hope this letter finds you well. I am writing as a loyal American Express cardholder to humbly request a goodwill adjustment concerning a late payment reported on my credit file for the month of [Insert Month and Year].\n\nI take full responsibility for the missed payment, which occurred due to [briefly explaine.g., a temporary financial hardship, a family emergency, or an oversight]. Since that time, I have taken steps to ensure timely payments, and my account has remained in good standing.\n\nI greatly value my relationship with American Express and the financial tools you provide. As this is an isolated incident in an otherwise positive payment history, I am kindly asking if you would consider removing the late payment from my XXXX XXXX  as a gesture of goodwill.\n\nThis adjustment would mean a great deal to me as I continue working to maintain and improve my credit standing. I understand this is a request outside of standard procedure, but I would be deeply grateful for your consideration.\n\nThank you for your time, understanding, and for the excellent service American Express continues to provide.\n\nWarm regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: WI

Complaint narrative:
I am not liable for this debt the company. I do not have a contract with this company. They did not provide me with the original contract as I requested it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am not liable for this debt the company. I do not have a contract with this company. They did not provide me with the original contract as I requested it. 
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 explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I filed several complaints with customer support at Cash app, they keep handing me a line of bull saying they can't give me my transaction history on my old account. I have provided all requested information time and time again and they still refuse. I need my transaction history for taxes and my car payments are in my old account. They absolutely will not help me and I do not believe they can withhold MY information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: Paypal Holdings, Inc
State: WA

Complaint narrative:
I simply tried to buy about {$330.00} worth of bitcoin on Venmo. The transaction failed, and I tried a few more times, each one also failing ( the money was in my balance and completely available ). Then, all of a sudden they froze my account. I now just want to remove my funds completely and not use them anymore. But they are refusing to escalate my issue or help me in a timely manner - I need my money now. I provided multiple proofs of my identity and changed my password as they asked. I did nothing wrong. Need my money now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: NH

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent account appearing on my consumer XXXX TransUnion credit report which I do not recognize and which is the result of identity theft and fraud. This account is an XXXX  loan opened at XXXX XXXX  XXXX on XX/XX/year> under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a reported balance of {$16000.00}. This fraudulent account has resulted in unauthorized XXXX  inquiries and negative reporting on my credit file. I demand that this item be immediately removed from all of my consumer credit reports and that any collection activity associated with it be permanently ceased in accordance with my rights under the FCRA and FDCPA.

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 2025-07-29 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 did not initiate these accounts, nor did I authorize their creation. Please act per XXXX XXXX and remove them from my credit report within XXXX  days. Documentation is included.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. Under my rights provided by XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Account info Account info Account name XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$660.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$660.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$660.00} Highest balance - Terms XXXX  Month On record until XX/XX/XXXX Account name XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$290.00} written off. {$200.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$300.00} Highest balance {$310.00} Terms - On record until XX/XX/XXXX. 


Account info Account name XXXX  XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$880.00} written off. {$740.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$740.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$1000.00} Highest balance {$1000.00} Terms - On record until XXXX XXXX. 


Account info Account name XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$1000.00} Highest balance {$1000.00} Terms - On record until XX/XX/XXXX. 


Account info Account name XXXX XXXX  XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$230.00} written off. {$230.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$230.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$300.00} Highest balance {$370.00} Terms - On record until XX/XX/XXXX. 

Account info Account name XXXX XXXX XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$0.00} Credit limit {$300.00} Highest balance {$370.00}.

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
Consumer complaint received 2025-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: OK

Complaint narrative:
Bridgecrest XXXX XXXX XXXX  they go by different names.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: NC

Complaint narrative:
I submitted a formal dispute to the credit bureau, including all documentation required under federal lawnamely, a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA XXXX the timely removal of fraudulent information from my credit report. Despite full compliance with these statutory obligations, the bureau failed to block the disputed information within the XXXX-business-day timeframe mandated by law. I respectfully urge the CFPB to investigate this clear violation of the Fair Credit Reporting Act and to take appropriate enforcement action to ensure the permanent removal of the fraudulent data. For your review, I have enclosed copies of my dispute letter and all supporting documentation.

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 2025-07-30 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: MA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MS

Complaint narrative:
CHIME XXXX XXXX Fraudulent/unauthorized charges on XX/XX/year> XXXX AM {$100.00} XXXX AM, {$100.00} XXXX AM, {$100.00} XXXX AM {$100.00} XXXX PM {$4.00} XXXX reported my card stolen and fraudulent charges within the first XXXX hours, I also included a police report. It seemed like they did not take my dispute serious. Every time I spoke with someone on the phone, they gave me very generic responses to all my answers. They would not tell me their requirements for the XXXX liability policy on their page. From my understanding, I shouldve be protected because it is my XXXX account which I thought liability would be protected from me because I reported it in a timely manner. I need my dispute resolved please help me. They are really giving me of the runaround. I also provided pictures proving that I was in XXXX and not in the XXXX around the time of the location. I dont feel like I should be treated like a XXXX  or I have to prove myself to my finance company. Its like theyre looking for reasons why not to give me my money and it doesnt make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: NJ

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 2025-07-29 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: SC

Complaint narrative:
I am filing this complaint against TransUnion and XXXX XXXX XXXX XXXX regarding XXXX accounts ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that are being inaccurately reported on my credit report. 

On XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX TransUnion notified me that they had completed an investigation and verified these accounts as accurate. However, both accounts continue to report as XXXX XXXX XXXX  charged off '' while still showing a balance XXXX XXXX  which is inconsistent and misleading. 

Under the XXXX XXXX  Fair Credit Reporting Act ( FCRA ) XXXX XXXX  a charged-off account should not continue to show a balance, as this violates accuracy and integrity requirements outlined in XXXX XXXX XXXXXXXX XXXX Code XXXXXXXX XXXX XXXX Additionally, XXXX failure to correct this during their investigation is a violation of XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX which mandates a reasonable reinvestigation of disputed information. 

This failure has harmed my credit profile and violated my consumer rights. I am requesting the XXXX XXXX immediate removal XXXX XXXX  of both XXXX XXXX accounts from my credit report due to XXXX noncompliance and the ongoing inaccurate reporting.

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 2025-07-29 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. I would like to assert that no permissible purpose under XXXX XXXX XXXX ( XXXX ) has been established and under the Fair Credit Reporting Act this must be established. 

XXXX XXXX XXXX ( a ) A financial institution XXXX not, directly or through any affiliate, disclose to a XXXX XXXX XXXX XXXX any nonpublic personal information. XXXX XXXX XXXX ( b ) ( XXXX ) A financial institution XXXX not disclose nonpublic personal information to a XXXX XXXX XXXX  unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information XXXX be disclosed to such XXXX XXXX XXXX  ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such XXXX XXXX XXXX  and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX section XXXX A Section XXXX : XXXX a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years. 

XXXX U.S.C XXXX ( a ) Time to make payments, A credit XXXX not treat a payment on a XXXX XXXX account under an XXXX XXXX XXXX XXXX XXXX as late for any purpose XXXX U.S.C XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX XXXX ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-07-29 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: FL

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: FL

Complaint narrative:
I submitted a dispute requesting verification of the XXXX  account and asked for the method of verification ( MOV ) under Section XXXX of the FCRA. They verified the information as accurate without providing the method of verification or any supporting documentation.The credit bureau verified a tradeline from XXXX that should not be reporting. XXXX has confirmed the debt was sold, and they no longer have any financial claim to it. Despite my dispute, the bureau failed to properly investigate or obtain the necessary documentation. Under the FCRA, if a furnisher can not verify an account with complete and accurate information, it must be deleted. The continued reporting is damaging, misleading, and a violation of my consumer rights.

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