vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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: AL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute certain information on my credit report as provided under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. This letter serves as an official demand for the removal of any unverifiable, inaccurate, incomplete, or outdated items in accordance with these laws.

I request that you investigate and provide full verification of the following item ( s ). If you can not legally verify the accuracy, timeliness, and completeness of the information within 30 days, you are required by law to delete it from my report permanently. 

Disputed Account ( 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 Legal Grounds for My Dispute and Demand : XXXX FCRA XXXX ( a ) ( XXXX ) ( A ) : Credit reporting agencies are obligated to conduct a reasonable investigation within 30 days of a dispute. If the disputed item is not verified with documented, original proof, it must be deleted from the file. 
XXXX FCRA XXXX ( b ) : Credit bureaus must follow reasonable procedures to ensure maximum possible accuracy. Reporting unverifiable or outdated data is a violation of this statute. 
XXXX FCRA XXXX ( a ) : Negative information that is older than 7 years ( or 10 years for bankruptcies ) must not be reported. 
XXXX FDCPA XXXX ( b ), XXXX XXXX. XXXX ( b ) : Debt XXXX are prohibited from continuing collection or reporting activity if the debt is disputed and not validated. You are also barred from reporting unverifiable debt to credit bureaus. 

My Demands XXXX as Follows : If you can not verify these accounts with documented evidence from the original creditor, you must PERMANENTLY DELETE them from all versions of my credit report. 
Cease reporting any debt that is unverified, misattributed, or outdated under FCRA and FDCPA requirements. 
Send me a new, updated copy of my credit report showing all deletions made. 
I demand that you conduct your reinvestigation with diligence and in full compliance with all applicable laws. Failure to comply will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or pursue legal action for willful noncompliance. 
This letter shall also serve as formal notice to preserve all documents and communication records related to this dispute in the event legal proceedings are initiated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: DE

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : 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

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 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NEW CITY FUNDING CORP.
State: TX

Complaint narrative:
NEW CITY FUNDING CORP is falsely reporting on my credit. I have never had any accounts with them. Per my research NEW CITY FUNDING CORP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : 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 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 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 2025-07-25 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:
I am contacting you to dispute a fraudulent account that has appeared on my credit report. I have never authorized or opened this account, and it is causing unjust damage to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I am formally disputing the accuracy of the Apple Card account listed on my credit report, which is reported as a charge-off with an outstanding balance of {$2200.00}. The account was closed in XX/XX/XXXX, yet your records continue to reflect monthly Charge-Off statuses through XX/XX/XXXXXXXX 

This constitutes duplicate derogatory reporting, which is misleading and violates the Fair Credit Reporting Act under : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must report accurately.

15 U.S.C. 1681c ( a ) ( 4 ) Outdated negative information can not be repeatedly updated post closure. 
I am requesting an immediate reinvestigation and deletion or correction of the incorrect reporting under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Please complete the reinvestigation within 30 days of receiving this letter and provide me with written confirmation of the outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Ally again did something to there reporting and made my credit score drop XXXX points on XXXX  They added back the {$3000.00} they removed. I don't know why they are continuing thinking this situation is a joke. I want the {$3000.00} payment removed! I never made a payment for this amount. I am going to my bank to get my statement from XXXX and prove no payment was ever made. The next complaint I send will have the bank statement attached. They are playing games. It was removed and then they put the amount of {$3000.00} back on it. Remove this amount. Ally is scamming! Putting fake payments to my account and with all the complaints I have submitted have every showed the transaction for this amount. Remove it and do not report this to the creditors. If I have to get a lawyer, you all are going to pay for all cost. I see it being realistic to get one because you all are refusing to correct the inaccuracies you put on my report. How is this being legal for them to illegal falsify information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company 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 2025-07-25 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: TN

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I used my Chase personal account to send a wire transfer of {$21000.00} to a supplier for a time-sensitive purchase of laptops for a corporate client ( an airline ). I had recently deposited {$25000.00} into my account to cover this transaction. 

The transfer was repeatedly flagged by Chases fraud department, despite my completing all verification steps. I spoke with Chase multiple times, confirmed my identity, and confirmed that the transaction was legitimate and authorized. Each time, I was told to " try again '' but the transaction failed 9 times over 2 days. 

I asked to speak with a supervisor and was connected to XXXX ( Fraud Escalations ), who refused to provide any assistance, refused to escalate the matter, and said Chase had the right to cancel my transactions and I should continue reattempting it. No explanation was offered for why the wire could not be processed despite full verification and sufficient funds. 

This delay is now threatening my relationship with a corporate client, as the funds were for a time-sensitive delivery. I risk losing future business as a result of Chases repeated failure to process my authorized wire transfer and its lack of accountability or resolution. 

This situation has caused me significant stress, professional embarrassment, and wasted time. Chase has failed to fulfill its basic obligations as my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Block, Inc.
State: AK

Complaint narrative:
Refer to CFPB Complaint ID XXXX. 

The findings in Cash App 's investigation in the previous complaint are factually incorrect. See attached. Refund the fees now. 
Cash App 's first line support is abhorrent, incompetent, and difficult. The entire system is setup to discourage contact with its consumers and make it so difficult that it seems consumers are expected to just drop dead or move on without any resolution. By the time Cash App responds the consumer hopefully will have forgotten or is too tired to drag it out any further. 
I borrowed XXXX. My card on file was compromised in a chip reader fraud. My bank issued a new card. I changed the card on file with Cash App for loan repayment to the new card. Due date passes and the payment did not process. I contacted Cash App, support said there was an issue with the card. I verified by adding funds to my account using the same card in dispute. The debit went through, funds were added, ergo, the card on file is good. I contacted support again, they blamed my bank. I said the issue is that Cash App is trying to use the old card that was compromised, the card that was on file when the loan was issued, even though that card was replaced and a new one was added before the due date, and I have verified that there is no issue with the new card. In all this time, I tried making payments in the app, and the app kept giving me an error. It was not an insufficient funds error, it was a system error. In the meantime, Cash App is racking up late fees on my account. I have been trying to get these late fees refunded for nearly 2 months now. Cash App 's last response evades responsibility for the fact that the loan repayment was late because : even though a new card was added on file before the due date for the loan, the system tried processing the old card for the payment. I tried making payments in the app several times, with screenshots to prove, and the system kept giving me an error, and no it was not an insufficient funds error. Cash App refuses to refund the late fees that I am not liable for because the loan repayment was late due to a fault in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Stellantis Financial Services US Corp.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My personal information was part of the XXXX  data breach and the incorrect information should be remove from my credit report. XX/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 explanation
Consumer complaint received 2025-07-25 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: CA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life.

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history.

Thank you for your attention to this matter.

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 2025-07-25 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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:
I have identified a suspicious account on my credit report that I did not open or authorize. It is incorrect and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In XX/XX/year>, I visited a XXXX XXXX  branch to inquire about refinancing my auto loan. I specifically asked if checking for refinancing options would result in a hard credit inquiry. I was told by the XXXX representative that no hard inquiry would be performed, and that it would only be a soft pull to check rates.

Based on that information, I allowed them to proceed with the inquiry process. I ultimately declined the loan offer because the APR was too high and did not accept or finalize any loan. 

However, in XX/XX/year>, I noticed a hard inquiry from XXXX XXXX XXXX on my credit report, which lowered my credit score by approximately XXXX points. I called XXXX customer service to request removal of the inquiry since I was misled and did not authorize a hard pull. I was told that nothing could be done, even though the inquiry was made under false pretenses and no loan was taken.

This has unfairly harmed my credit standing and was done without my informed consent. I am requesting that XXXX remove the unauthorized inquiry 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