vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: GA

Complaint narrative:
XXXX XXXX Auto Balance of {$11000.00} Closed XX/XX/XXXX XXXX  XXXX Balance of {$240.00} Closed XX/XX/XXXX I am filing this complaint because XXXX  XXXX XXXX  and XXXX  XXXX credit card incorrectly reported a late payment for my credit card and auto loan .The payment was made on timemy bank records confirm the payment was submitted XX/XX/XXXX which was before the due date of XX/XX/XXXX I contacted and disputed the error with, but the late payment is still showing on my credit report. 
This incorrect reporting has negatively affected my credit score. I am requesting that the CFPB review this matter and assist in having the late payment removed from my credit report. The payment was made on time, and I have attached my payment records as evidence. Please correct this inaccuracy and update the payment history accordingly.

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 2025-05-13 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: GA

Complaint narrative:
XXXX XXXX Auto Balance of {$11000.00} Closed XX/XX/XXXX XXXX  XXXX Balance of {$240.00} Closed XX/XX/XXXX I am filing this complaint because XXXX  XXXX XXXX  and XXXX  XXXX credit card incorrectly reported a late payment for my credit card and auto loan .The payment was made on timemy bank records confirm the payment was submitted XX/XX/XXXX which was before the due date of XX/XX/XXXX I contacted and disputed the error with, but the late payment is still showing on my credit report. 
This incorrect reporting has negatively affected my credit score. I am requesting that the CFPB review this matter and assist in having the late payment removed from my credit report. The payment was made on time, and I have attached my payment records as evidence. Please correct this inaccuracy and update the payment history accordingly.

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 2025-05-13 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: WI

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P.
State: ID

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. code 16081 e ( b ) Accuracy of credit whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates 15 U.S. code 1681i ( 5 ) treatment of inaccurate or unverified information in general, if after any re-investigation under paragraph ( 1 ) of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. The consumer agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information has appropriate based on the results of the re-investigation, as appropriate, based on the results of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: IL

Complaint narrative:
I am writing to request the immediate investigation and removal of unauthorized accounts appearing on my credit report. I did not open or approve these accounts, and I am unfamiliar with their source. As provided under USC 1681g, I formally request that they be deleted within 15 days. Enclosed are relevant documents for your review. It is also important to note that conflicting and inaccurate account data is being reported to each bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
Ok I use cash app to store send and receive money. On XXXX XXXX I sent a cash app to what I thought was a travel agent and we agreed for me to pay them that day and the rest when I get on the plane to XXXX they sent plane tickets to email and the looks legit. Ion know what happened but the day I get to the airport everything canceled I reach out to the person and they dont respond until later and tell me theyre going to send me my money back dont worry and was saying they book the trip to early and im saying no the flight didnt cancel its what every you did canceled my flight. He ignores me for XXXX days and never sent me the money back and did I mention I had to repurchase a flight of my own that same day. I take this to cash app with concerns of fraud. The say I have no case. Im confused, how could this not be fraud we agreed on something that was not handle on there end and so much so that I had to rebook the flight myself. They denied my request for my money back. I appealed it and got denied again saying there first decision was correct. I sent text messages numbers and all interactions between me and the person and it shows I paid for him to book the tickets and they cancelled the day of the flight I even showed where he said I just got up we talked about it and I got you. Thats saying we talked about the situation and ima send you your money back. They took none of that in to concern and even shunned me. My thing is atleast handle the scammer. I sent the messages so they could see this was supposed to be a transaction but it didnt go through on the others person end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: FL

Complaint narrative:
I was paying an attorney to represent me in court, attorneys name is XXXX XXXX XXXX. He is the owner of ironclad law and he failed to represent me in court. He has acknowledged that he failed to represent me in court through via email and has admitted to all faults through that email, but will not. send me back the money because that has nothing to do with him that is through Cash app Cash app now refuses to send me back the money. I tried to contact Cash app and they give me the runaround. They sent me an email saying to contact XXXX at Cash app who is the cash app XXXX and when I tried to contact XXXX they tell me he is unable to receive phone calls. This is ridiculous. There are XXXX transactions XXXX for {$100.00}. And XXXX for {$250.00} through my Cash app account. Both transactions are to ironclad law, owned by XXXX XXXX XXXX. If you do a simple XXXX search of XXXX XXXX XXXX, you will see he has multiple lawsuits out of XXXX XXXX Florida for having customers retain his services and then he never shows up to court. On this case I have reported XXXX XXXX XXXX to the Better Business Bureau and To the Florida XXXX XXXX. Cash app is now refusing to send me back my {$350.00}. I need you to step in and get my money back please I have all the proof that I was scammed. XXXX XXXX was also informed of all of this and they are also doing an investigation on XXXX XXXX XXXX. XXXX XXXX XXXX is also the owner of. MAH advising LLC But the problem XXXX having is Cash app refuses to send me back my {$350.00}. Please help me. 
Every time Ive tried to contact Cash app they give me the runaround. They have even tried to close my fraud report while I was on the phone with them today at XXXX oclock

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
An unpaid medical bill is still on my credit report. New rules per the CFPB state no medical debt is to appear on credit report.

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 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/year>, I deposited some checks into my Chase checking account. The checks were reimbursement from my retirement plan provider for overcontributions. Chase 's account system flagged the checks as irregular deposits and put holds on them. I called Chase to try and get the holds cleared. They told me they needed to contact the maker of the checks to clear them. I was told this wasn't a big deal and once the maker cleared the checks, the hold would be lifted, and the checks would be deposited into my account. I called Chase 2 or 3 times to follow up on the status of the checks to see whether they had been cleared.

Chase has a policy where they will close a checking account if they are unable to clear a held check within 10 days. No one from Chase ever told me about this policy when I had called to inquire about the checks. Rather, I logged into my Chase account one day and saw it was empty. I had no idea Chase had closed my checking account. I thought I had been the victim of fraud. I frantically called Chase to try and figure out what was happening. It was only then that I was told that my account had been closed because the checks had not been cleared within 10 days. They told me they were unable to get a hold of the maker of the checks. I called my retirement account provider and got a hold of someone in less than 5 minutes. I was able to put the representative from my retirement account in contact with Chase, and the checks were finally cleared.

However, my account had already been closed, and it took Chase a few days to reopen the account. And after the account was reopened, it took a few days for me to transfer funds from an outside savings account into my Chase checking account. We used that Chase account to autopay our bills. Because the account was closed for a few days and then had {$0.00} in funds for a few days, many of those payments didn't go through so we were hit with late fees or returned checks fees. Luckily, most of our creditors waived the late fees and returned check fees. However, it took hours of calls to clear those fees. Also, there was one {$40.00} returned check fee from XXXX that XXXX refused to waive. Chase refused to provide any type of reimbursement for that {$40.00} fee. 

In the end, I'm very disappointed that no one at Chase ever told me my account would be closed if the held checks weren't cleared within 10 days. I called them several times, and no one told me this. So, I was completely caught off guard when my account was closed. I'm also disappointed Chase didn't do anything to help reimburse me for the {$40.00} returned check fee. I think Chase shares some of the blame for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint regarding the unlawful and improper use of my consumer credit report by credit bureaus and furnishers in direct violation of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) and other consumer protection laws. These violations include the continued reporting of inaccurate and unverifiable information, failure to conduct reasonable reinvestigations, and improper handling of identity theft claims. 

The specific accounts in question are : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7100.00} Issue : Late Payments reported without evidence of proper notice, billing error protections, or hardship accommodation. Lack of full documentation and validation. 

Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Issue : Charged-Off ; reported as collectible without Form 1099-C or original signed contract. Status is misclassified and misleading under IRS and FCRA guidelines. 

Account Name : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} Issue : Collection account ; no chain of assignment or validation of debt provided. Unverified and lacks supporting documentation under FDCPA. 

Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6600.00} Issue : Charged-Off ; improperly reported as a balance still owed. No verification documents or accounting provided. Misrepresentation of financial liability. 


I have previously notified both the credit reporting agencies and the furnishers regarding these inaccuracies, yet no corrective action has been taken. Under 15 U.S.C. 1681i, credit bureaus are legally required to conduct a reasonable reinvestigation of disputed information and delete unverifiable data within 30 days. Furthermore, under 15 U.S.C. 1681b, a credit inquiry must have a permissible purpose, and I demand written proof that I authorized the reported inquiries. 

Additionally, as a victim of identity theft, I have attached my FTC Identity Theft Report ( Report Number : XXXX ) as proof of fraudulent activity on my file. Under 15 U.S.C. 1681c-2, credit bureaus are required to block fraudulent information from a victims report within four business days of receiving proper notice. Despite my formal disputes, these bureaus have failed to comply, exacerbating the financial harm I have suffered. 

This ongoing misconduct is consistent with the CFPBs current lawsuit against the credit bureaus, which highlights widespread FCRA violations and deceptive practices in consumer reporting. Their noncompliance continues to result in financial hardship, including credit denials and employment barriers, and demonstrates a willful disregard for federal consumer protectionlaws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I deposited {$7500.00} in {$100.00} bills into a Bank of America ATM located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX. The ATM only credited {$300.00}. It printed a receipt instructing me to contact the Claims Department, which I did immediately. 

I opened claim # XXXX. However, the case was closed with the explanation that no additional funds were found. I later spoke with a supervisor and submitted a written request to reopen the case. Despite that, the bank has not resolved the issue and keeps asking for more time without providing clear answers. 

I also requested that a provisional credit be restored while the investigation is ongoing, but the bank has denied that request. 

I request the CFPB to ask Bank of America to : Review security camera footage from the ATM and inside the branch. 
Perform a full audit of the ATMs cash handling on the date of the transaction. 
Reinstate the provisional credit of {$7200.00} until the case is fully resolved. 

This issue has caused me financial harm and emotional stress. I am seeking recovery of the missing {$7200.00} and appropriate action by the bank.

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 2025-05-13 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: AR

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
CFPB COMPLAINT FOR REMOVER EVERYTHING INFORMATION Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against EQUIFAX regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


3. Incorrect Employers :. My correct Employer is : XXXX XXXX XXXX Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: GA

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my consent, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are the key reasons for my request : Violation of the Family Education Rights and Privacy Act ( FERPA ), my student records disclosed without my permission, violating FERPAs strict confidentiality protections. Breach of the Privacy Act of 1974. My personal and financial information was improperly accessed and shared without my consent violating my privacy rights under federal law. Violation of the Higher Education Act. As a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates failure to uphold these legal protections. The Federal agencies responsible for safeguarding my data failed to do so, putting my financial security at risk, and disclosed my information to third parties without my consent Account Name : XXXX Account.number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: SC

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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