vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-10-30 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: AZ

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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: CA

Complaint narrative:
I am submitting to formally dispute the accuracy of information being reported concerning my XXXX account XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX with a balance of {$68.00}, originally opened on XX/XX/XXXX, and last active as of XX/XX/XXXX. The account is being reported with XXXX late payments in XXXX and XX/XX/XXXX, a XXXX late in XX/XX/XXXX, and XXXX late in XXXX and XXXX  days late XX/XX/XXXX. These reported delinquencies are entirely inconsistent with my verified payment history and therefore require immediate correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
b'On XXXX XXXX XXXX a person impersonating an XXXX XXXX used my Jet Blue credit card-XXXX XXXX XXXX XXXX XXXX XXXX  Jet Blue Credit Card reached out to me and said they placed hold on card and I verified with Jet Blue Credit Card that charges were fraudelent but they later charged my card for those two amounts and has refused to remove the charges from my credit cardXXXX-Card Number XXXX XXXX XXXX XXXXBecause Jet Blue at the time did not honor the purchase and I was trying to get to airport to get my flight out of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which did go through--should be for XXXX  However the fraudelent XXXX XXXX charged my card XXXX XXXX XXXX XXXX XXXX XXXX  I have disputed the amount but Credit Card Company refused to remove charges.  Card Number XXXX XXXX XXXX XXXXBoth Cards are managed by Barclays'

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 2025-10-30 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Filed a dispute on XX/XX/year>, regarding a unauthorized charge for the amount of {$560.00}. This charge is for a apartment located in AR, but I am physically located in TX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: FL

Complaint narrative:
XXXX XXXX XXXX  is engaging in fraudulent activities. They closed my credit card despite my record of never having a late payment, and since its closure, the balance has been rising. I have attempted to make payments even though the card is no longer active, but all my attempts have been rejected. I possess evidence to support my claims. I have submitted numerous disputes, yet Experian Credit seems indifferent to my complaints and fails to follow up or provide updates. My credit score has significantly declined when it should have been on the rise. I kindly request someone to investigate this matter ; your assistance would be greatly appreciated.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I keep filling disputes and not get any changes they holding on to accounts I never used.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I keep filling disputes and not get any changes they holding on to accounts I never used.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
To Whom It May Concern, This is now my third and final notice regarding inaccurate late payment entries that remain on my credit file. Despite my previous disputes and your legal obligation to maintain accurate reporting, you have failed to delete or correct the entries in question. This ongoing failure constitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ) and federal billing laws. 
This account was always paid as agreed. The reporting of a late payment is inaccurate and must be corrected. This constitutes a billing error under 15 U.S.C. 1666B. 
No notice of any due date or missed payment was received, violating fair notice requirements under the law. 
Accounts in Dispute : XXXX. XXXX XXXX Account XXXX : XXXX - XXXX. XXXX XXXX XXXX Account Number : XXXX - XXXX. XXXX XXXX XXXX Account Number : XXXX - XXXX. XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Time Investment Corporation
State: NC

Complaint narrative:
To Whom It May Concern, This is now my third and final notice regarding inaccurate late payment entries that remain on my credit file. Despite my previous disputes and your legal obligation to maintain accurate reporting, you have failed to delete or correct the entries in question. This ongoing failure constitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ) and federal billing laws. 
This account was always paid as agreed. The reporting of a late payment is inaccurate and must be corrected. This constitutes a billing error under 15 U.S.C. 1666B. 
No notice of any due date or missed payment was received, violating fair notice requirements under the law. 
Accounts in Dispute : XXXX. XXXX XXXX Account XXXX : XXXX - XXXX. TIME INVESTMENT CORP Account Number : XXXX - XXXX. XXXX XXXX XXXX Account Number : XXXX - XXXX. XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
This letter serves as a formal dispute and demand for deletion under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

The following item appearing on my credit report is inaccurate, incomplete, and unverifiable : Creditor : Navy Federal Credit Union Account Number ( partial ) : XXXXXXXX XXXX XXXX XXXX XXXX Reported Balance : $ XXXX  Monthly Payment : $ XXXXUnder 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation of this disputed information within 30 days. If the furnisher of the information can not provide full and verifiable documentation that proves the accuracy and ownership of this account, it must be deleted immediately from my credit file under 1681i ( a ) ( 5 ) ( A ) .Additionally, under 1681e ( b ), credit reporting agencies are legally obligated to maintain maximum possible accuracy in consumer reports. Reporting unverifiable or outdated information constitutes a direct violation of this statute.If Navy Federal Credit Union can not supply original signed documentation or verifiable records establishing that this account belongs to me and that the data reported is completely accurate, then you are required by law to delete it.I am requesting that this item be deleted entirely rather than updated or corrected, as its reporting has caused inaccurate representation of my creditworthiness. 
Please send me : A written response confirming deletion of the account, or Full documentation of how the account was verified, including the name, address, and telephone number of the furnisher.Failure to comply with the FCRA requirements may result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and, if necessary, civil action under 15 U.S.C. 1681n for willful noncompliance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Chase refunded previous overdraft fees after I filed a complaint, but the same issue has occurred again. I was charged two new overdraft fees even though my account showed a positive balance at the time of the transactions. This appears to be a repeated system error and unfair banking practice.

For fair resolution, write : I request Chase refund the two new overdraft fees, fix the balance posting issue, and ensure no further overdraft fees occur under the same conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one had tow truck come and repossessed car out of backyard private property breaching the peace. 
I have already contacted capital one and let them know and they have done nothing about it. Items in my backyard were damaged. Concrete was damaged in the fence was damaged amongst things in my vehicle that were also stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-30 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: GA

Complaint narrative:
The furnisher was notified of my dispute by the credit bureau ( s ) and had a duty to conduct a reasonable investigation and report accurate results back to the CRA. Simply verifying data electronically via e-OSCAR without documentary evidence does not meet the threshold of a reasonable investigation, as defined by multiple federal court precedents including Cushman v. TransUnion Corp., 115 F.3d 220 ( 3rd Cir. 1997 ). 


- 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 2025-10-30 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: Block, Inc.
State: WA

Complaint narrative:
Fraudulent transaction occurred on my cash app account that I already have submitted on this platform with {$320.00} being taken off my account balance without my nolidge or without my permission on XX/XX/year>XXXX XXXX XXXXXXXX. I just wanted to submit more documents referring to said claim. & That proof I want to submit is a picture of my driver 's license, just to show what I look like so I can be singled out when video of said transaction is reviewed showing infact that I was not the individual that made said transaction further proofing my case...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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 DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I discovered several fraudulent inquiries on my Experian credit report made by XXXX. The inquiries were not authorized by me. The dates of the fraudulent inquiries are as follows : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX I have no accounts or applications with XXXX and would like these unauthorized inquiries removed from my 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 2025-10-30 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: Experian Information Solutions Inc.
State: ME

Complaint narrative:
Unauthorized access to my credit report by multiple companies has caused direct harm to both my credit and my XXXX XXXX. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored, as these inquiries still remain. This inaction is unacceptable. The continued presence of these potentially fraudulent entries is deeply concerning and strongly suggests possible identity theft. This ongoing issue is causing significant emotional and financial distress.

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 2025-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am requesting that Cash App and XXXX XXXX XXXX XXXX XXXX provide a full refund of the {$3600.00} stolen from my account and process this claim in compliance with Regulation Es required timeframes. 

{$3300.00} was stolen from my Cash App account, using my linked debit card and additional {$340.00} was stolen of cash that was in my Cash App account, for a total of {$3600.00}. 

What I want : A full refund of the {$3600.00} unauthorized debit card transaction, confirmation that my fraud report is being investigated, and assurance that my account will remain secure going forward. 

Institutions involved : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: NY

Complaint narrative:
Good day, I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

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 2025-10-30 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: VA

Complaint narrative:
I disputed a XXXX XXXX XXXX ( XXXX ) collection account with TransUnion. 

TransUnion closed my dispute within two days, marking it as verified as accurate, even though XXXX never provided me with any validation of the debt. 

My Debt Validation Letter was sent on XXXX XXXX XXXX  and received by XXXX on XXXX XXXX XXXX triggering FDCPA 809 ( b ). XXXX  continued to report and TransUnion accepted verification without any proof, violating FCRA 611 ( a ) ( 1 ) ( failure to conduct a reasonable reinvestigation ) and FCRA 623 ( a ) ( 1 ) ( furnishing unverified information ).

I am requesting : Deletion of this unverifiable account ; A detailed method of verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ; Review of TransUnions reinvestigation process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute.

I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile.

Disputed Closed or Charged-Off Accounts : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXXXXXX , Date Opened : XXXX, Balance : $ XX/XX/XXXX XXXX - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : $ XX/XX/XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : $ XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief