vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am filing a complaint against Bank of America for reporting an inaccurate late payment on my credit report. 

I had a {$0.00} balance on my Bank of America XXXX credit card prior to this issue. 

On XX/XX/year> at XXXX PM, I received an email stating that my AUTOpayment for the {$79.00} XXXX fee ' did not go through and instructing me to call immediately to reactivate bill pay service. 

I called immediately on XX/XX/year> at XXXX PM ( call lasted XXXX minutes and XXXX seconds ). During that call, I updated my banking information and made the {$79.00} payment. The representative I spoke with assured me that the payment was complete, but failed to record it. 

As a result of this error, Bank of America inaccurately reported my account as late, which caused a XXXX drop in my credit score. This derogatory mark is incorrect and has caused serious damage, especially since I rely on my credit score for real estate financing transactions. 

On XX/XX/year> at XXXX AM, I called again to dispute the late payment and make the {$79.00} payment a second time. I eventually spoke with a manager, who confirmed that the original XX/XX/XXXX call and payment existed. He assured me that the derogatory mark would be removed from my credit report and that I would receive a follow-up call within a few days. No follow-up ever occurred. 

On XX/XX/year> from XXXX AM - XXXX PM, I called again and spoke with XXXX different representatives, including an escalation manager ( XXXX ). While they acknowledged that a corrective letter would be sent, they refused to provide any proof of action, secure message, nor written documentation confirming that the matter was being resolved.

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 2025-09-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: OR

Complaint narrative:
over XXXX XXXXXXXX  i have been asking cash app to retturn me my funds that where withdrawn from my bank. There application did not send the funds to poeple ii was suppose to pay but my bank was charged so where are my funds and they completely ignor all my request and only refunded me XXXX $ they took XXXX $ and at this point its affecting me beccuase i still had to pay those poeple out of pokcet so that is XXXX loss for me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-25 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: IL

Complaint narrative:
I was shocked to discover that my credit report has been improperly used. Applications were made in my name, and these companies accessed my credit report without my consent or authorization. I do not recognize these inquiries, nor did I apply for or consent to them in any way. This is deeply troubling and represents a clear violation of my rights as a consumer. As a law-abiding citizen, I find this situation absolutely unacceptable and insulting.

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 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/year>, I had my phone stolen. Somehow they got into my phone, which I had it locked with a passcode. I arrived home at XXXX, but I couldnt get into the house because my partner was asleep, and I didnt have my phone to access the XXXX lock to get inside. I had to sit outside until XXXX, which is when my partner woke up and let me inside. 

I provided multiple screenshots of uber trips made by using my phone and Chase account. I also included screenshots of me clearly at my house, sitting outside the front door, while whoever had my phone was using it to commit the fraud against me, and they were able to withdraw money from my account using XXXX and from an ATM. 
My friend found the alleged person on XXXX, and messaged him about it. He didnt mention my name, but this person knew exactly what happened, and even named me and had my phone number. I attached those screenshots as well. 

They tried multiple transactions while I was at home, sitting outside my house, without my phone. Chase blocked the last XXXX transactions, because they suspected fraud, and I included those screenshots as well. This happened with XXXX, too. 

I included the timestamps for the notification emails that Chase sent to my email address, and they could correlate that with the screenshots from my XXXX camera timestamps to see this wasnt me making these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: FL

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 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 2025-09-25 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:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Driveway Finance Corporation
State: VA

Complaint narrative:
As of XX/XX/year> Driveway Finance Corp is still reporting my account as late even though the car is repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: TX

Complaint narrative:
I am formally disputing certain collection and charge-off accounts on my credit report as inaccurate, outdated, or unverifiable. Despite submitting disputes and supporting documentation, these accounts remain unverified and continue to harm my credit. Under the Fair Credit Reporting Act ( FCRA ), I demand a full reinvestigation of these accounts, and any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: TX

Complaint narrative:
IAM THE VICTIM OF UNAUTHORIZED CREDIT ACTIVITY MULTIPLE HARD CREDIT INQUIRIES WERE MADE ON MY CREDIT FILE XXXX XXXX XXXX XXXX XXXX XXXX WITHOUT MY KNOWLEDGE OR CONSENT THESE INQUIRIES INCLUDE XXXX XXXX XXXX XXXX XXXX XXXX XXXX SEPARATE INQUIRIES TAB MISSION AND XXXX I DID NOT APPLY FOR CREDIT WITH THESE COMPANIES AND DID NOT AUTHORIZE THEM TO ACCESS MY CREDIT REPORT. 
UNDER THE FAIR CREDIT REPORTING ACT FCRA 604 EACH HARD INQUIRY MUST HAVE A PERMISSIBLE PURPOSE AND BE SUPPORTED BY PROOF OF MY AUTHORIZATION.

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 2025-09-25 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:
IAM THE VICTIM OF UNAUTHORIZED CREDIT ACTIVITY MULTIPLE HARD CREDIT INQUIRIES WERE MADE ON MY CREDIT FILE XXXX XXXX XXXX XXXX XXXX XXXX WITHOUT MY KNOWLEDGE OR CONSENT THESE INQUIRIES INCLUDE XXXX XXXX XXXX XXXX XXXX XXXX XXXX SEPARATE INQUIRIES TAB MISSION AND XXXX I DID NOT APPLY FOR CREDIT WITH THESE COMPANIES AND DID NOT AUTHORIZE THEM TO ACCESS MY CREDIT REPORT. 
UNDER THE FAIR CREDIT REPORTING ACT FCRA 604 EACH HARD INQUIRY MUST HAVE A PERMISSIBLE PURPOSE AND BE SUPPORTED BY PROOF OF MY AUTHORIZATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: FL

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-09-25 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: NJ

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX Date : XX/XX/XXXX Subject : Complaint Regarding Inaccurate and Unverified Debt Reporting Dear CFPB, I am filing this complaint regarding inaccurate and unauthorized debt reporting by [ Creditor/Collector Name ]. This account has been reported to the credit bureaus without my consent and without proper verification.

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b and 1681s-2, consumer reporting agencies and furnishers must ensure accuracy, permissible purpose, and verifiable records before reporting any account. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, debt collectors are required to validate debts upon request and refrain from reporting unverified information. 

The continued reporting of this alleged debt violates these federal protections and has caused harm to my credit profile.

Resolution Requested Immediate deletion of the unverified debt from all consumer credit reports.

Cessation of further collection efforts or reporting related to this account.

Written confirmation of compliance with FCRA and FDCPA. 

Conclusion This debt has not been validated and was reported without lawful authority or my consent. I respectfully request that the CFPB investigate this matter and ensure my rights as a consumer are upheld. 

Sincerely, XXXX XXXX. XXXX # XXXX XXXX XX/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 2025-09-25 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: FL

Complaint narrative:
Due to a period of incarceration, I was unable to make timely payments on my credit card. It was a difficult time in my life, but Ive taken steps since then to rebuild and make things right. XXXX committed to addressing my past due balances and improving my financial habits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 60

5B ( 15. U. S. C. 1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$1600.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$740.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/year>, Balance : {$3900.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$7600.00} XXXX  - Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$800.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: IL

Complaint narrative:
I have a US Bank XXXX XXXX credit card that I opened in XX/XX/2024. 

One of the benefits of this card is a {$100.00} annual credit that is paid after making a software purchase for 11 consecutive months. 

A " software purchase '' is identified by the merchant code XXXX. 

Starting in XX/XX/2024, I made 11 consecutive monthly purchases of software, all of which coded correctly as XXXX. 

I reached out to US Bank and they said that the purchases must be made with the same vendor. However, that requirement is nowhere to be found in the terms of their agreement. The only requirement is 11 consecutive monthly payments, which I have made.

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 2025-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: ADIR INTERNATIONAL LLC
State: GA

Complaint narrative:
This XXXX account is the result of identity theft. I have not resided in California for over 30 years and never lived at the address provided. My Social Security number was compromised. I am not responsible for this debt. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

Company response to consumer: Closed with non-monetary relief