vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, numerous companies accessed my credit file without my authorization. I did not apply for credit with these lenders, nor did I consent to any hard inquiries. These inquiries have negatively impacted my credit profile and were not initiated by me. 

In addition to the unauthorized inquiries, my credit report contains inaccurate personal information, including names and employers that do not belong to me. I have submitted formal disputes to the credit bureaus requesting removal of the following : Inquiries to be removed ( TransUnion, Equifax, Experian ) : Includes lenders such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and otherstotaling over XXXX inquiries across all three bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: DISCOVER BANK
State: MA

Complaint narrative:
On XX/XX/XXXX, I was charged {$120.00} on my Discover credit card by XXXX, a home insurance company. 

I disputed this charge with Discover and provided evidence showing that I had canceled my home insurance service with XXXX before XX/XX/XXXX. I had moved out of my previous apartment and no longer needed this insurance. The cancellation was completed through the insurance company 's official website. I provided screenshots of my cancellation to Discover to prove that I had already terminated the service and should not have been charged. 

Despite the evidence I submitted, after a one-month investigation, Discover concluded on XX/XX/XXXX that the {$120.00} charge was valid. Discover then reapplied the charge to my account. 

I find this conclusion to be invalid and completely unreasonable, as I had clearly canceled the service before the transaction occurred. The charge was made without my authorization and for a service I no longer had. The documentation provided by Discover did not show any new evidence from XXXX that I had purchased the service. Instead, it merely provided a record of the transaction itself, which does not prove the validity of the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Block, Inc.
State: FL

Complaint narrative:
Im not aloud to make a cash app account cuz Im banned from having cash app for no reason when I try to make an account it says device cant make account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX {$10000.00}

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 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Called Citi customer service on XXXX and asked why my account was closed and also my credit score has dropped even though I have been making payments on time and in full. Was told to read the letter that was sent out on the XXXX of XXXX. I have never made a late payment to them and have paid everything in full. When I started the account, I had a low XXXX credit score, and now it is sitting around XXXX because of this situation. They reported that I was paying late even though on the app it showed that I had never paid late. I have showing proof in the statements and screenshots from the app. I don't understand how I can get approved for {$7600.00} credit and then be told I can not have a credit card with them anymore and they close out my account.

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
Complaint Regarding Inaccurate and Inconsistent Credit Reporting : Dear Sir/Madam, I am writing to file a formal complaint regarding inconsistent and inaccurate reporting of late payments across my XXXX XXXX XXXX XXXX credit files. These discrepancies create conflicting credit profiles, which unfairly harm my creditworthiness. 

Inconsistent Accounts : XXXX XXXX ( Closed XXXX ) XXXX  : XXXX late payment Paid in settlement XXXX  : XXXX late payment Settlement accepted XXXX  : XXXX late payment Settled less than full balance All XXXX  report a late payment, but each uses different language and status. 

XXXX XXXX XXXX XXXX ( Closed XXXX ) XXXX XXXX XXXXXXXX, {$2700.00} past due with full late-payment history XXXX  : Charge-off, {$2700.00} past due but missing history Same account, but incomplete reporting in XXXX. 

XXXX XXXX ( Closed XXXX ) XXXX  : Charge-off, {$520.00} written off XXXX : XXXX, {$0.00} balance, marked paid XXXX  : Payment after XXXX, {$0.00} balance XXXX different outcomes for the same account. 

Discover Card ( Closed XXXX ) XXXX  : Charge-off, {$3000.00} written off XXXX  : XXXX, {$0.00} balance, marked paid XXXX  : Payment after XXXX, {$0.00} balance Again, inconsistent statuses and language. 

XXXX  Collection ( {$520.00}, Opened XXXX ) XXXX  : Collection account, {$520.00} past due XXXX  : Collection account, unpaid {$520.00} XXXX  : Placed for collection, {$520.00} Same debt, but XXXX different descriptions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Complaint Regarding Inaccurate and Inconsistent Credit Reporting : Dear Sir/Madam, I am writing to file a formal complaint regarding inconsistent and inaccurate reporting of late payments across my XXXX XXXX XXXX XXXX credit files. These discrepancies create conflicting credit profiles, which unfairly harm my creditworthiness. 

Inconsistent Accounts : American Express ( Closed XXXX ) XXXX  : XXXX late payment Paid in settlement XXXX  : XXXX late payment Settlement accepted XXXX  : XXXX late payment Settled less than full balance All XXXX  report a late payment, but each uses different language and status. 

XXXX XXXX XXXX XXXX ( Closed XXXX ) XXXX XXXX XXXXXXXX, {$2700.00} past due with full late-payment history XXXX : Charge-off, {$2700.00} past due but missing history Same account, but incomplete reporting in XXXX. 

XXXX XXXX ( Closed XXXX ) XXXX  : Charge-off, {$520.00} written off XXXX : XXXX, {$0.00} balance, marked paid XXXX  : Payment after XXXX, {$0.00} balance XXXX different outcomes for the same account. 

XXXX Card ( Closed XXXX ) XXXX  : Charge-off, {$3000.00} written off XXXX  : XXXX, {$0.00} balance, marked paid XXXX : Payment after XXXX, {$0.00} balance Again, inconsistent statuses and language. 

XXXX  Collection ( {$520.00}, Opened XXXX ) XXXX : Collection account, {$520.00} past due XXXX  : Collection account, unpaid {$520.00} XXXX  : Placed for collection, {$520.00} Same debt, but XXXX different descriptions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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:
Incorrect address and accounts on my report that was reported without my consent

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 2025-09-07 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:
Incorrect address and accounts on my report that was reported without my consent

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 2025-09-07 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens 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 2025-09-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
I received an offer email for a check of loan options that clearly stated " THERES NO HIT TO YOUR CREDIT. '' I followed the link and later received alerts that my credit report received a " hard pull. '' I did not authorize the company to pull my file and was mislead by there email scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Account info Account name MIDLAND CREDIT MANAGEMEN Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$870.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$870.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$870.00} Highest balance - Terms 1 Month On record until XX/XX/XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I contacted Capital One in XXXX when I was made aware several accounts were fraudulently opened in my name. They asked for my address and phone number and stated that someone from their fraud department would call me back. I called back two more times explaining I had not heard from anyone and then I received my first letter saying they had found no signs of fraud. I called back asking to speak to a supervisor and explained that I had a police report I wanted to send them. The supervisor once again said someone would return my call. I called again after I received the second letter saying there was no fraud and spoke to a manager and asked for an address to send the police report. All he said was someone would call me back. I found an address online and mailed the police report. I waited until it was delivered and then called to see why nothing was being done. I spoke with another manager, and he said they were looking into it and would call me back. I have since received two more letters stating they have found no signs of fraud, and they still will not call me to discuss anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: PR

Complaint narrative:
I recently reviewed my credit report and found that my account with XXXX XXXX XXXXXXXX Account XXXX. XXXX is being reported inaccurately. The report shows late payments for XX/XX/2023 and XX/XX/2023, even though these payments were made on time. 

Consumer reporting agencies are required to ensure that all information is reported with complete accuracy. I am requesting a thorough investigation into this matter and verifiable proof, with records, showing that these payments were actually late. If such proof can not be provided, I demand that the payments for XX/XX/2023 and XX/XX/2023 on the above-mentioned account be immediately updated to reflect paid on time status. 

Thank you for your prompt attention and cooperation in resolving this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: LA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX, request for account blocking deletion due to data breach, dear experian, equifax, transunionteam, iam writing you formally requesting blockage and deletions of all accounts assoiciated with my personal info due to recent data breach, loan XXXX balance {$7300.00}, XXXX balance of XXXX, XXXX balance 0, discovercard balance 0, syncb balance 0, radius global balance 0, XXXX XXXX balance {$0.00}, XXXX XXXX  balance XXXX inquiry us department edu. several provisions of FCRA 15 Usc1681c-2 ( a ) ,15USC1681i,15USC1681e ( b ) ,15Usc1681g ( a ) ,15USC1681m,15USC1681n.please confirm these reciepts of this letter and provide weitten confirmation of the actions taken regarding my accounts. i would appreciate a update on any measure you are implementing to protect my personal info.thank you i look forward to your response in 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: LA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX, request for account blocking deletion due to data breach, dear experian, equifax, transunionteam, iam writing you formally requesting blockage and deletions of all accounts assoiciated with my personal info due to recent data breach, loan XXXX balance {$7300.00}, XXXX balance of XXXX, XXXX balance 0, discovercard balance 0, syncb balance 0, radius global balance 0, XXXX XXXX balance {$0.00}, XXXX XXXX  balance XXXX inquiry us department edu. several provisions of FCRA 15 Usc1681c-2 ( a ) ,15USC1681i,15USC1681e ( b ) ,15Usc1681g ( a ) ,15USC1681m,15USC1681n.please confirm these reciepts of this letter and provide weitten confirmation of the actions taken regarding my accounts. i would appreciate a update on any measure you are implementing to protect my personal info.thank you i look forward to your response in 4 days.

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 2025-09-07 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: NH

Complaint narrative:
I am writing to request the removal of inaccurate information from my credit report. The following payments have been reported as late, although they were never late : XXXX XXXX, account XXXXXXXX XXXX XXXX XXXX XXXX : alleged late payment in XXXX. 

XXXX XXXX, account XXXXXXXX XXXX XXXX XXXX XXXX  : alleged late payments in XXXX and XXXX. 

XXXX XXXX, account XXXXXXXX XXXX XXXX XXXX XXXX : alleged late payments in XXXX and XXXX. 

XXXX, account XXXXXXXX XXXX XXXX XXXX XXXX : alleged late payment in XXXX. 


These reports are inaccurate, and I request their immediate removal under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), which requires that all credit information be accurate and verifiable. 

Additionally, I request the removal of the hard inquiry from XXXX Bank dated XX/XX/2025, as I did not authorize this inquiry and its presence negatively impacts my credit score, violating my rights under the FCRA. 

I have attached supporting documentation and look forward to your prompt correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: NH

Complaint narrative:
I am writing to request the removal of inaccurate information from my credit report. The following payments have been reported as late, although they were never late : XXXX XXXX, account XXXXXXXX XXXX XXXX XXXX XXXX : alleged late payment in XXXX. 

XXXX XXXX, account XXXXXXXX XXXX XXXX XXXX XXXX  : alleged late payments in XXXX and XXXX. 

XXXX XXXX, account XXXXXXXX XXXX XXXX XXXX XXXX : alleged late payments in XXXX and XXXX. 

XXXX, account XXXXXXXX XXXX XXXX XXXX XXXX : alleged late payment in XXXX. 


These reports are inaccurate, and I request their immediate removal under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), which requires that all credit information be accurate and verifiable. 

Additionally, I request the removal of the hard inquiry from XXXX Bank dated XX/XX/2025, as I did not authorize this inquiry and its presence negatively impacts my credit score, violating my rights under the FCRA. 

I have attached supporting documentation and look forward to your prompt correction.

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 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
b'I downgraded my Chase Sapphire card to a Chase Freedom card (acct id XXXX XXXX XXXX XXXX to keep my rewards points and avoid the annual fee, and I was told there were no additional requirements. Unfortunately, the card was automatically canceled earlier this year, and I lost all my rewards points  about XXXX  in value. I understand this may be consistent with the terms of the agreement, but its disappointing to lose those hard-earned rewards.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: TX

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 non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
Over XXXX XXXXXXXX XXXX  taken out of my account and chime denied my dispute when I provided facts that I didnt make these transactions they still denied my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: PA

Complaint narrative:
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX EXPERIAN P.O. BOX XXXX XXXX XXXX XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through the physical verification of the original signed consumer contract, any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the ECRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

Name of Account Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX XXXX Unverified Account Please remove all non-account holding inquiries over 30 days old. 
Please add a Promotional Suppression to my credit file.

Sincerely. 
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