vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/year>XXXX  I had my wallet and Chase credit card stolen. There are two fraudulent charges to XXXX in XXXX XXXX, XXXX, that I have been trying repeatedly to get resolved ; however, all the phone numbers I try will not go through from XXXX where I am staying. I can not reach anyone at Chase ; the secure message function wont send ; and theres no way to email customer service without knowing an employees name. The charges are substantial and I need them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: FL

Complaint narrative:
I am submitting this complaint regarding Cash Apps repeated closure of accounts and what appears to be a device-level ban that prevents me from using their service. 

I have never previously had a Cash App account. When I attempt to create an account on my personal device, the app will not allow me to proceed. When I attempt to create an account on a different device, the account is created but then closed shortly afterward without explanation. 

Cash App has not provided a clear reason for these closures or informed me of any specific policy violation. I have contacted Cash App Support but have not received a meaningful explanation or resolution. Because I have never used Cash App before, I do not understand why I am being blocked from accessing their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: FL

Complaint narrative:
I have identified several accounts on my credit report that I do not recognize and did not authorize. Based on my review, it appears these items may be the result of identity theft or fraudulent activity. I previously notified the credit reporting agency of this issue, yet the unauthorized accounts continue to be reported. 

I am formally requesting the immediate removal of all accounts that were opened or reported without my authorization. These items are inaccurate and do not reflect my true credit history or financial responsibility. 

The continued reporting of these unauthorized accounts has caused substantial hardship and has negatively affected my ability to achieve important financial goals, including obtaining housing and providing for my family. I respectfully request that this matter be resolved promptly and in full compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: NY

Complaint narrative:
This submission escalates my prior CFPB complaint based on new facts and continued unlawful credit reporting by Experian Information Solutions , Inc., in coordination with furnishers XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX ( XXXX  ). 

I am a New York consumer and trustee whose credit file contains tradelines that do not belong to me and are the result of identity theft. I filed an FTC Identity Theft Report, submitted multiple written disputes, and provided notice to Experian and the furnishers. 

On XX/XX/year>, the New York State Department of Financial Services ( DFS ) formally acknowledged my complaint and confirmed that it forwarded the complaint to Experian with instructions to respond ( DFS CAU File No. XXXX ). This constitutes state regulatory notice and supervisory referral. 

Despite this regulatory notice, Experian continues to publish and disseminate disputed, tradelines furnished by XXXX, XXXX, and XXXX, including false delinquency and charge-off information. This conduct occurred after receipt of my FTC Identity Theft Report and regulatory notice and therefore constitutes post-notice conduct, not issues previously raised. 

Experians continued reporting violates FCRA 605B ( 15 U.S.C. 1681c-2 ), which requires mandatory blocking of identity-theft-related information within four business days, as well as FCRA 1681e ( b ), 1681i, and 1681s-2 ( b ).

The same conduct also violates New York state laws that mirror and reinforce the FCRA, including : New York General Business Law 380-l ( Identity Theft Blocking ) ; GBL 380-j ( Duties of Furnishers and CRAs ) ; New York Identity Theft Prevention Act ; and GBL 349 ( Deceptive Acts and Practices ).

These obligations are mandatory and non-discretionary once identity theft is reported. No lawful blocking or deletion has occurred. 

In addition, Experian continues to furnish and publish the disputed tradelines in direct contravention of a signed Temporary Restraining Order issued by the New York Supreme Court, XXXX XXXX, which expressly restrains publication of the disputed credit information pending court review. 

This submission addresses new, post-regulatory-notice violations and is not duplicative of my prior CFPB complaint. I respectfully request that the CFPB require a substantive compliance response from Experian and the named furnishers addressing identity-theft blocking failures, continued post-notice reporting, and ongoing non-compliance with judicial and regulatory directives.

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 2025-12-18 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: IL

Complaint narrative:
I am disputing the auto repossession account reported on my credit report Account number XXXXXXXX XXXX XXXX XXXX XXXX  as inaccurate and potentially damaging. The reported information may include incorrect dates, balances, or details of the repossession. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and verify all disputed information. If it can not be verified, it must be removed immediately.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, IA XXXX RE : Complaint Against Discover - Request for Hardship Settlement and Pay for Delete Agreement Account Number : XXXX To Whom It May Concern, I am filing this complaint against Discover regarding my credit card account ( Account Number : XXXX ) with a current balance of approximately {$13000.00}. I am currently experiencing severe financial hardship due to a recent divorce and XXXX related to health issues. This has made it impossible for me to make the required minimum payments or pay the full balance as it stands. 
I have successfully negotiated payment agreements with other creditors and am committed to resolving this debt responsibly. However, Discover has not yet offered a feasible hardship program or settlement option that fits my situation. I am requesting assistance from the CFPB to facilitate a settlement where I can pay a reduced lump sum or structured payments ( e.g., 50 % of the balance over time ) in exchange for Discover closing the account and agreeing to delete all negative reporting related to this account from my credit reports at XXXX, XXXX, and XXXX ( a " pay for delete '' arrangement ). This would allow me to rebuild my credit while satisfying the debt. 
I believe this aligns with Discover 's financial hardship programs and debt relief options, as they provide support for customers in distress. Please investigate this matter and urge Discover to work with me on a fair resolution. I can be reached at XXXX or XXXX for any additional information. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Hello I purchased a desk and chair over a month ago from a site XXXX and active site actively selling product. The same day I placed the order I reached out to cancel as there website lists a cancel anytime for any reason up til 30 days. Never received any communication from the merchant and even went out of my way to contact there email XXXX and XXXX all attempts kicked back to me as not received. I filed a dispute with my bank and the merchant is claiming they shipped a product I told my bank the item doesnt even show it as shipped on XXXX and I told them I reached out numerous times just for the messages to come as return to sender. They gave me a phone number thats listed for New York I made numerous attempts to call them and no one would return my phone call or answer me. There is no tracking information and I dont have any product from the merchant Im currently out {$840.00} dollars and Bank of America is telling me its up to the merchants bank to refund despite the merchant not being able to show anything being delivered and me having proof they did not answer me or corresponde back. I feel like Im being taking advantage of Im also a XXXX vet thats struggling. I also would like to note that it looks like the company went and filed bankruptcy a month or two prior to me ordering so to me thats bankruptcy fraud and there choosing to keep my money and not deliver a service.

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 monetary relief
Consumer complaint received 2025-12-18 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: CA

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 non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am requesting debt validation for the account under " WFBNA CARD '' with account number XXXXXXXX XXXX XXXX. I do not recognize this account, and no verification has been provided that proves this debt is mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: OH

Complaint narrative:
I am writing to formally dispute the accuracy of certain late payment entries appearing on my credit report. These entries do not accurately reflect my payment history. I have previously submitted multiple requests for investigation, along with all required documentation, yet the inaccuracies have not been corrected. The continued reporting of these erroneous entries has caused me significant financial hardship and emotional distress. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair, accurate, and complete credit report. This includes the right to have any information that is inaccurate, incomplete, or unverifiable promptly corrected or removed. Despite my repeated attempts to resolve this matter, these inaccurate entries continue to appear on my report without justification or adequate explanation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
I am not involved with these accounts ; they should be removed within 15 days under USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: NC

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : I am submitting this dispute to request an investigation of certain inaccurate and unverified items listed on my TransUnion credit report. As a consumer, I request that these items be reviewed and corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts The following charged-off accounts are being reported on my TransUnion credit report, and I dispute their accuracy XXXX XXXX XXXX Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$860.00} XXXX XXXX  Account number XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$810.00} XXXX  Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$210.00} XXXX Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} XXXXXXXX XXXX XXXXXXXX Account number : XXXX, Date Opened XXXX XX/XX/XXXX, Balance : {$0.00} I request that these accounts be verified or deleted from my credit report if they can not be substantiated. 

Unauthorized / Unverifiable Inquiries The following inquiry is listed on my TransUnion credit report, and I dispute its validity. I request verification of permissible purpose for this inquiry, or immediate removal : XXXX XXXX  Date : XX/XX/XXXX Late Payment Reporting The following account is reporting a late payment that I dispute : XXXX Account number : 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 2025-12-18 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation