vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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:
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 2025-11-04 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase makes fraudulent late fee charges. I consistently pay my bill on the first BEFORE XXXX  eastern time on the due date ( because a Chase rep told me its considered late if not done by then ) and if it falls on a weekend or holiday, they don't process it until the following bank day, then they charge a late fee because their system apparently can't process payments until a banking day. They refuse to refund the late fee even though I have proof that I authorized it before the tine due.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: VA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-04 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: VA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: MN

Complaint narrative:
Im not connected to these accounts ; clear them from my report within 15 days by USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: AZ

Complaint narrative:
Please review this record ; the timing seems off and accuracy uncertain.

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 2025-11-04 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: NV

Complaint narrative:
I am requesting that the CFPB investigate and ensure these items are corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 
Disputed Account XXXX XXXX AccounXXXX XXXX XXXXXXXX, Reported XXXX Balance {$0.00} This account is being reported as charged off with a {$0.00} balance. I do not understand how a {$0.00} balance account can still be listed as charged off. I am requesting that Equifax verify this account with full documentation from the furnisher, including payment history, charge-off details, and account ownership. If it can not be verified or is being inaccurately reported, I request that it be deleted. 

Disputed Inquiries No inquiries listed for dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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 is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

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 2025-11-04 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: PR

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court. 

I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX, XXXX & XXXX PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : 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 2025-11-04 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:
XXXX. Charged Off Accounts : I am disputing the following accounts listed as " charged off '' on my Equifax credit report, which are inaccurate due to various reasons such as outdated information, incorrect balances, or failure to update the status properly : XXXX Account XXXX XXXXXXXX, Date Open : XX/XX/XXXX, Balance : {$22000.00} This account shows as charged off, but the status has not been updated to reflect payments made, and I am requesting an accurate account balance and payment history. 

DEPTEDXXXX Account XXXX XXXXXXXX, Date Open : XXXX Balance : {$3300.00} This account is reported with an incorrect balance and outdated status ; the correct balance is different, and I request a correction.

DEPTEDXXXX, Account XXXX XXXXXXXX, Date Open : XX/XX/XXXX, Balance : {$3200.00} Similar to the above, I dispute this balance and the status, as it inaccurately reflects the current standing. 

DEPTEDXXXX, Account XXXX XXXXXXXX, Date Open : XX/XX/XXXX, Balance : {$83000.00} This account has outdated reporting, and the balance needs to be verified against current records. 

XXXX, Account XXXX XXXXXXXX, Date Open : XX/XX/XXXX, Balance : {$1400.00} The balance reported on this account is inaccurate. I request the necessary corrections based on recent payment activity. 

XXXX XXXX, Account XXXX XXXXXXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} This account is showing a balance of {$0.00}, but it has not been updated in other reports, which I believe needs rectification. 

XXXX, Account # XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} The balance on this account is incorrect and does not match the current status or payment history. 

XXXX XXXX XXXX, Account XXXX XXXXXXXX, Date Open : XX/XX/XXXX, Balance : {$890.00} The balance shown is incorrect, and I request it to be updated based on recent payments made. 

XXXX XXXX, Account # XXXX, Date Open : XX/XX/XXXX, Balance : {$800.00} The status of this account is inaccurate. Please investigate the balance and status. 

XXXX, AccounXXXX XXXX XXXXXXXX, Date Open : XX/XX/XXXX, Balance : {$13000.00} There are discrepancies with the balance reported for this account, which I would like corrected. 

XXXX XXXX, Account XXXX XXXXXXXX, Date Open : XX/XX/XXXX, Balance : {$390.00} The status of this account has not been updated correctly, and the reported balance is inaccurate. 

XXXX, Account XXXX XXXXXXXX, Date Open : XX/XX/XXXX, Balance : {$1100.00} This account is showing discrepancies in its reported balance and payment status. 

XXXX, Account XXXX XXXXXXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} This account needs a thorough update as it is showing an incorrect balance and status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: GA

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 2025-11-04 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: IL

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous 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 non-monetary relief
Consumer complaint received 2025-11-04 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:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I called last month Capital One regarding to apply for credit protection program due to medical problems and unavailable to work. I had XXXX on XXXX which I can provide proof. While waiting for XXXX, I was unable to work - XXXX XXXX XXXXXXXX was denied. 

When I call Capital One about credit protection program, few weeks later I received a an email stating " this program is not available for you ''. 

Today I found out my accounts are closed due to transactions from my bank they said I authorized ( mostly card payments ) with insufficient funds. 

I was unaware of this problem due to being on pain and dealing with my health. 
I have made a payment today and they told me unfortunately they can't open my accounts back. 

It was very upsetting because I did my part, I called to let them know with what I was dealing and now I found out they closed accounts without my authorization. They didn't wanted to work with me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Experian, I am writing to dispute the following charged-off account and inquiry on my Experian credit report. Below are the details for your review : Charged-Off Account Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} This account is reported as a charged-off account. I believe this account may have inaccurate information or was reported incorrectly, and I request a full investigation into its accuracy. Please verify the validity of the charged-off status and provide supporting documentation. 

Inquiry Account Name : XXXX Date of Inquiry : XX/XX/XXXXXXXX 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 2025-11-04 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: Cornerstone Holdings, Inc.
State: AK

Complaint narrative:
The company was issued notive for proof of debt and has not provided and further details. There are multiple collections on my credit report and I have no proof of the accounts/ ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
We have had the lender for 4 years and every 6 months they charge their own lender placed flood insurance of {$5100.00} a year when our insurance is {$370.00} a year and we have always had coverage, I personally send them the policy every year. The first instance they couldnt tell me what the charge was for they didnt know I had to speak to multiple managers and I found the issue. I spend hours each phone call speaking to multiple representatives who said they will fix the issue and dont fix it and they blame it on a computer glitch. I have notes of most conversations on almost a monthly basis. I have also requested our phone logs and conversations as I have told them I reported them to the better business bureau and they denied my request. Id like XXXX to take responsibility for their actions and fix this ongoing issue.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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 disputing the following charged-off accounts on my Equifax credit report : XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account XXXX : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$33000.00} XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$54000.00} Additionally, I am disputing the following inquiries on my Equifax credit report : XXXX - Date : XX/XX/XXXX XXXX - Date : XX/XX/XXXX XXXX - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX - Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CHALLENGE FINANCIAL SERVICES
State: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: TN

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported. I request an investigation into the following items under the Fair Credit Reporting Act ( FCRA ) : Charged Off Accounts XXXX XXXX XXXX, XXXX, XXXX  {$730.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: WA

Complaint narrative:
After thoroughly reviewing my credit report, I discovered unauthorized inquiries, incorrect employer information, and an inaccurate addressnone of which I authorized or initiated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding an unresolved transaction issue with Cash App. On XXXX I mistakenly sent {$14.00} to an old Cash App account belonging to my son, believing it was his active account. Once I realized the error, I immediately contacted Cash App Support to request a refund or account recovery so the funds could be returned to me. 

Despite providing all necessary details and clearly explaining that the account belongs to my son who is willing to verify his identity and ownership of the old account Cash App has refused to assist in recovering or transferring the funds. I have been informed that no refund or reversal will be processed, even though the money remains within the Cash App system and belongs to a verified user within my family. 

This situation is both unfair and unethical, as I acted in good faith, and the funds were not received by an unknown party but by a family account under the same identifiable person. Cash Apps refusal to help in this matter represents a failure in their customer protection process and disregard for basic dispute resolution. 

I am requesting that Cash App : 1. Verify ownership of the old account belonging to my son.

2. Transfer or refund the mistakenly sent funds back to me.

3. Provide written acknowledgment of this request and a timeline for resolution.

If this issue is not addressed, I will be pursuing further action through my bank and the Consumer Financial Protection Bureau to ensure a fair investigation. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: MD

Complaint narrative:
Dear Equifax, I am disputing the following accounts and details listed on my credit report. These entries are incorrect, and I request that you review and correct or remove the entries : Charged-Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$21000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4800.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$30000.00} XXXXXXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00} XXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$690.00} Late Payment : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EdFinancial Services
State: PA

Complaint narrative:
EdFinancialServices ( https : //edfinancial.studentaid.gov/ ) claims I owe $ XXXX as a student loan, but I have no affiliation or account with that company. As a result this potential fraud dropped my credit score by XXXX. How do I move forward with this?

Company response to consumer: Closed with explanation