vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: NV

Complaint narrative:
I contacted Cash App multiple times about unauthorized charges from XXXX. I disputed the charges, provided context, and requested supporting documentation. Instead, my disputes were denied and falsely labeled as fraudulent or false. My account was then closed without fair review. I did request information and an explanation from Cash App, but they only sent a denial notice and refused to share the documents they relied on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Yamaha Motor Finance Corporation USA
State: CA

Complaint narrative:
This complaint is being filed by XXXX XXXX as the authorized representative of XXXX XXXX, pursuant to a signed Consumer Authorization Form, which expressly empowers me to act on his behalf in matters relating to credit disputes and CFPB complaints. XXXXYAMAHA is willfully and negligently reporting inaccurate and unverifiable information regarding Account No. XXXX to the credit bureaus, in direct violation of the Fair Credit Reporting Act ( FCRA ). Specifically, the furnisher is violating 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) by continuing to report information it knows or should know is inaccurate, failing to comply with 15 U.S.C. 1681s-2 ( b ) by neglecting to conduct a reasonable investigation upon notice of dispute, and disregarding 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which requires deletion of unverifiable data. Despite XXXX XXXX formal dispute letter demanding verification or deletion, the furnisher has refused to provide documentation establishing the accuracy of the account and has continued to furnish damaging false data. I request that the CFPB order XXXX-YAMAHA to immediately conduct a lawful investigation, produce complete verification of the account or permanently delete it from all credit reports, cease reporting any further inaccurate information, and provide written confirmation of compliance within thirty ( 30 ) days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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:
I looked at my XXXX  credit report on XXXX XXXX and noticed some things are incomplete and not accurate and according to the Fair Credit Reporting Act- whenever a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the following information concerning the individual about whom the report relates according to 15 USC 1681 e, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: GA

Complaint narrative:
1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate.

XXXX Account Number : XXXX Please remove it from my credit report. 

2.. Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in violation.

XXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate.

XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate XXXX  XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: EQUIFAX, INC.
State: AR

Complaint narrative:
This is a follow-up to a previous dispute I submitted under the Fair Credit Reporting Act ( FCRA ) 611 and 1681e ( b ), concerning multiple accounts inaccurately reporting late payments and charge-off statuses. Despite initiating a formal dispute and requesting a reinvestigation, these derogatory entries remain on my credit report with no documented verification or response from the credit bureaus. The accounts in question include several reported by XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX, all of which continue to reflect late payments or charge-offs that I believe to be misreported or unverifiable. Specifically, the accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a reported balance of {$20000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX with {$26000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with {$24000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with {$49000.00}. I have not received any evidence that these late payment or charge-off statuses were properly verified through documentation such as billing records, default notices, or payment history logs. The continued reporting of these negative marks, without proper verification, is inaccurate, harmful to my credit standing, and a violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: TX

Complaint narrative:
I am disputing a hard inquiry that has been reported on my credit file without my authorization. I did not apply for credit with the reporting entity, nor did I consent to any inquiry. The continued reporting of this entry is inaccurate and damaging to my credit profile.

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 2025-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Just put that info in my credit report without send me any proof

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: MA

Complaint narrative:
I am filing this complaint regarding a returned payment fee that was recently charged to my Discover account. 

The situation happened because the card saved for automatic payments had been canceled when I moved to a different state, where that bank does not operate. When the payment was processed, it automatically attempted to use that canceled card. I only confirmed the payment without realizing that it was linked to the old card. 

As soon as I noticed that the payment had not gone through, I immediately entered my new card information and completed the payment successfully. At no time did I attempt to make a payment with insufficient funds or a bad check.

Discover has treated this as a returned check and applied a Returned Payment Fee. I believe this does not accurately reflect what happened, as this was not a bounced check, but rather an automatic attempt using an invalid, canceled card.

This is the first time such an issue has occurred on my account, and I am requesting that Discover review the circumstances and refund this fee as a courtesy.

I have been a responsible customer, and I would like CFPB to review this matter to ensure that credit card companies do not unfairly penalize customers in situations like mine.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. This is a formal complaint against JPMCB CARD a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute ( attached ) challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

JPMCB CARD XXXXXXXX, JPMCB CARD XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: MS

Complaint narrative:
I am writing to formally notify you that I am a victim of the recent data breach, and I am requesting that all accounts related to my personal information be blocked and deleted in accordance with 15 USC 1681c-2 ( a ), as outlined under the Fair Credit Reporting Act.

Due to the breach, my personal data may have been exposed, and I am concerned about potential misuse of this information. Therefore, I respectfully request that you : 1. Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised.

Account name : XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX Balance : {$51.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-09-15 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: VA

Complaint narrative:
XXXX M XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Formal Dispute of All Accounts Credit Report Dated XX/XX/XXXX, Confirmation # XXXX To Whom It May Concern : I am writing to dispute the accuracy and completeness of the following accounts appearing on my Equifax credit report dated XX/XX/XXXX ( Confirmation # XXXX ). 



The disputed accounts include, but XXXX not be limited to : XXXX XXXX XXXX XXXX XXXX XXXX reported as Charge Off, Balance {$1900.00} XXXX XXXXXXXX XXXX XXXX XXXX Account # * XXXX, reported as Charge Off, Balance {$730.00} XXXX XXXX XXXX XXXX XXXXXXXX Account # * XXXX, reported as Charge Off, Balance {$2600.00} XXXX XXXX XXXX Account XXXX XXXX XXXX, reported as Charge Off, Balance {$0.00} XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX, reported as closed, 3059 days past due Consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX, Balance {$280.00} These accounts are inaccurate, incomplete, and/or unverifiable. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681e ( b ) ), Equifax is required to : 1. Conduct a reasonable reinvestigation of each disputed account. 

XXXX. Delete or correct any item that can not be verified within 30 days. 

XXXX. Report only information that is complete and accurate. 



I am demanding that Equifax : Reinvestigate each of the above accounts. 

Delete any account that can not be fully verified with proper documentation. 

Provide me with an updated credit report reflecting the results of your investigation. 

Identify the name, address, and telephone number of each furnisher of information you contact. 



Enclosed are copies of my government-issued identification and proof of address to verify my identity. 



Failure to comply with the FCRA will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), my state Attorney General, and considering additional legal remedies. 



Thank you for your prompt attention to this matter. I expect a written response within the time required by law. 



Sincerely, XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX TransUnion LLC Consumer Dispute Center XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Breach a FRA Volationt Deletion of Inaccurate/Compromised Information Due to Data To Whom It May Concern, I am writing to you formally regarding my consumer file maintained by TransUnion. This correspondence is being sent pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and is tied directly to the recent TransUnion data breach in which consumer files, including mine, were placed at risk of compromise and potential inaccuracy.

The breach in question undermines TransUnion 's statutory duty under : * FCRA 607 ( b ) - Requiring consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy.

* FCRA 611 ( a ) ( 1 ) ( A ) - Mandating that disputes be reinvestigated in good faith and inaccurate information promptly deleted.

CREDIT FCRA 605A & 605B - Requiring consumer file protections in instances of suspected compromise, fraud, or identity misuse.

15 USC 1681s-2 ( a ) ( 7 ) : Negative Intormation Notice Given that your own breach jeopardized the chain of custody, accuracy, and reliability of the data in my consumer file, any items currently marked as negative, disputed, or unverifiable mus be treated as compromised. It is no longer possible for TransUnion to reasonably certify these accounts as " accurate '' under federal law, since your systems have already demonstrated failure in safeguarding consumer data. 
Accordingly, I am demanding the immediate and permanent deletion of the following compromised and unverifiable items from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: Property Receivables, Corp
State: CA

Complaint narrative:
I am submitting this complaint due to XXXX failure to respond to a formal dispute I filed on XX/XX/year>, related to fraudulent activity stemming from the data breach that occurred in XX/XX/year>. 

As a result of this breach, unauthorized accounts, hard inquiries, and false personal information ( including fraudulent names ) appeared on my credit report. I formally disputed these items with XXXX and requested their removal, yet I have received no response or resolution from them within the timeframe required by law. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), a credit reporting agency must investigate a consumer dispute and provide a response within 30 days. This timeline has passed, and XXXX  remains noncompliant.

Additionally, 15 U.S.C. 1681c-2 gives consumers the right to block information resulting from identity theft from appearing on their credit reports, yet XXXX has not taken action despite my formal dispute.

I am requesting the CFPB to urgently investigate this matter and ensure that : All fraudulent inquiries, accounts, and names related to the XX/XX/year> data breach are removed from my XXXX credit file ; XXXX complies with its legal obligations under the FCRA ; I receive confirmation of resolution and correction of my credit report. 

This lack of response is affecting my financial standing and personal security. I ask the CFPB to take prompt action to enforce my rights under federal law. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: Aldous & Associates, PLLC
State: CA

Complaint narrative:
I am submitting this complaint due to XXXX failure to respond to a formal dispute I filed on XX/XX/year>, related to fraudulent activity stemming from the data breach that occurred in XX/XX/year>. 

As a result of this breach, unauthorized accounts, hard inquiries, and false personal information ( including fraudulent names ) appeared on my credit report. I formally disputed these items with XXXX  and requested their removal, yet I have received no response or resolution from them within the timeframe required by law.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), a credit reporting agency must investigate a consumer dispute and provide a response within 30 days. This timeline has passed, and XXXXXXXX remains noncompliant.

Additionally, 15 U.S.C. 1681c-2 gives consumers the right to block information resulting from identity theft from appearing on their credit reports, yet TransUnion has not taken action despite my formal dispute. 

I am requesting the CFPB to urgently investigate this matter and ensure that : All fraudulent inquiries, accounts, and names related to the XX/XX/year> data breach are removed from my XXXX  credit file ; XXXX complies with its legal obligations under the FCRA ; I receive confirmation of resolution and correction of my credit report. 

This lack of response is affecting my financial standing and personal security. I ask the CFPB to take prompt action to enforce my rights under federal law. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
I am using the CFPB complaint as both the former complaint and a formal dispute and request for debt validation, address to XXXX and Associates attached to this complaint is my written validation request, which clearly is the documents that an associate must provide on an affair debt collection practices at XXXX and associates, approve. The date is violent, and legally collectible. This includes fruitful ownership of by purchase agreement, a breakdown of the XXXX client and a copy of the original grieving bearing my signature and submitting this request to the CFPB to ensure that XXXX and associates receive my letter and is held accountable for responding properly and lawfully.

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