vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: PA

Complaint narrative:
I am submitting this complaint because my credit file with Equifax contains fraudulent information resulting from identity theft. 

On XXXX, I submitted a request to Equifax to block specific inaccurate and fraudulent accounts from my credit report pursuant to Section 605B of the Fair Credit Reporting Act. I provided documentation supporting my identity theft claim, including proof of identity, details of the disputed accounts, and my FTC Identity Theft Report. 

On XXXX, Equifax responded stating that they were not blocking the information at that time but would contact the furnishers of the disputed information to verify the accounts. They also stated I needed to submit additional documentation to block the information, even though I had already provided the necessary materials. 

The disputed accounts are : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$9400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$9900.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$690.00} XXXX XXXX XXXX XXXX Balance Owed : {$22000.00} XXXX  XXXX XXXX Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: CA

Complaint narrative:
This is a formal complaint against DISCOVERCARD, 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Company : XXXX XXXX Bank XXXX XXXX Credit Bureau Involved : TransUnion Subject : Inaccurate and Incomplete Reporting Violation of FCRA and Metro 2 Standards Complaint : I am disputing the inaccurate reporting of a XXXX  XXXX credit card account ( Acct. No. XXXXXXXX XXXX XXXX XXXX XXXX ) on my TransUnion credit report. This account is listed as a charge-off with a {$150.00} balance, closed on XX/XX/year>, and shows the remark previously in disputenow resolved. 

I previously disputed this account, but TransUnion and XXXX XXXX have failed to provide a method of verification or documentation proving the accuracy of the information. This violates FCRA 611 ( a ) and 611 ( a ) ( 7 ), which require a reasonable reinvestigation and disclosure of the verification method upon request. 

Under 15 U.S.C. 1681s-2 ( b ), once notified by TransUnion, XXXX XXXX was required to investigate, correct any errors, and report the results. The continued reporting of inaccurate data shows that XXXX XXXX either did not comply with its statutory duty or that TransUnion failed to forward all relevant dispute information.

Metro 2 and e-OSCAR guidelines also require the use of the XB dispute code during investigation and prohibit unverifiable or inaccurate reporting. The permanent remark previously in disputenow resolved without proper documentation suggests a sham investigation

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 2025-08-15 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: MD

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 non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern : I am formally disputing the missed payment entries being reported on the above account in my credit file. The entries are factually inaccurate, incomplete, and/or unverifiable, and therefore violate the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX XXXX standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: FL

Complaint narrative:
To Whom It May Concern : I am formally disputing the missed payment entries being reported on the above account in my credit file. The entries are factually inaccurate, incomplete, and/or unverifiable, and therefore violate the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX XXXX standard.

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 2025-08-15 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: AZ

Complaint narrative:
On XX/XX/XXXX, a fraudulent XXXX transaction for {$2000.00} was done using my account. I have proof I never accessed my account from any device on this day. My account did have a second authorized user, however. This second authorized user had suspicious activity on all their accounts as of XX/XX/XXXX before XXXX. This was noted when Chase called the second authorized user and noted that the activity was not regular. Multiple XXXX payments and withdrawals were attempted as their chase account information had been leaked. Chase blocked other transactions ( example XXXX for {$25000.00} ), but the XXXX payment made on my account was not blocked. On XX/XX/XXXX, the next day, the authorized user filed a claim with Chase stating that they had been hacked and that the XXXX payment was fraudulent. Then the second authorized user went into a Chase branch. They froze their accounts and then because of the hack, suggested they remove themselves as second authorized user to my account. Due to this, I took up the claim on my account and despite repeatedly showing through pictures of login logs and phone calls that unknown devices accessed the second authorized users account had unknown devices access their account on the same day that this all took place, they closed the claim without correction to my account stating the activity related to the {$2000.00} did not look suspicious. I have uploaded documents showing the account login logs and made multiple phone calls to both Chase and XXXX explaining my case but there has been no further resolution or activity up to this point. The XXXX recipient is not someone I know or the second unauthorized user knows.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
I am using Cash app and I purchased XXXX through their platform and then I was trying to transfer it to a known address of mine that I use all the time and they keep declining the withdrawal saying that they are canceling it for my own protection and XXXX talking to customer service and theyre telling me they cant do nothing about it and its all automatic type stuff when I did XXXX of the same transactions yesterday and they went through just fine I mean, thats what you do with XXXX you buy it and you make transactions with that you move it around and theyre making me leave it in their wallet saying its for my own protection

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
This is a formal complaint against BARCLAYS OLD NAVY, 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.

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 2025-08-15 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: NY

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
They changed my card twice for charges that I had not authorized, I did not make these charges, even when I realized several I called the shops to give a report and although they could not give me information, they saw how to give notice that it could be a fraud and canceled the charges, of other charges I could not solve it directly myself with the trade so of course I went to request help from the bank as an unrecognized charge since I had not done it and the bank said it would do the investigation and it took XXXX day to respond that they could not help me because they had already raised a dispute for other charges, so they did not do any investigation they only said that it was not appropriate, I ask you to please can help me request a real investigation for these charges since I did not perform them and the bank 's response seems very very unfair to me since I never investigate and only closed the case!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Zap Solutions, Inc.
State: GA

Complaint narrative:
XXXX is holding my funds improperly. I deposited XXXX into my XXXX account, but I have been unable to access or withdraw my money. I contacted the company for support, but I have not received a clear explanation or resolution. This has caused me financial hardship, stress, and inconvenience, as my money is being withheld without cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am filing a formal dispute regarding a collection account reported by XXXX XXXX XXXX. This account is inaccurate and violates multiple federal laws and regulations. I request immediate investigation and removal of this account from my credit reports. 
Fair Debt Collection Practices Act FDCPA Violations Section 807 15 USC 1692e Prohibition of false or misleading representations. The debt is being reported with inaccurate information and without proper validation creating a misleading impression of its validity. 
Section 809 15 USC 1692g Failure to validate debt. I have not received the required written notice of the debt containing the amount of the debt, the name of the original creditor and a statement of my rights within XXXX days of initial contact. 
Section 805 15 USC 1692c Improper communication. I XXXX XXXX has communicated information regarding this alleged debt to third parties including the credit reporting agencies without my consent and without ensuring the accuracy of the information. 
Fair Credit Reporting Act FCRA Violations Section 604 15 USC 1681b Lack of permissible purpose. I XXXX XXXX has no verifiable permissible purpose to obtain or furnish my consumer report for this alleged debt. 
Section 623 15 USC 1681s-2 ( a ) Duty to provide accurate information. XXXX XXXX XXXX is furnishing information that is inaccurate and has failed to correct it after I disputed it directly with them and with the credit bureaus.

Section 611 15 USC 1681i Failure to conduct a reasonable reinvestigation. After my dispute the information continues to be reported without proper verification violating the requirement for a reasonable and timely investigation. 
Additional Violations Section 807 ( 8 ) of the FDCPA prohibits communicating or threatening to communicate credit information which is known or should be known to be false including the failure to communicate that a disputed debt is disputed. XXXX XXXX XXXX has failed to mark this account as disputed in all credit reporting systems. 
Requested Action I demand that the Consumer Financial Protection Bureau investigate XXXX XXXX XXXX for these violations and require them to delete the account from all consumer reporting agencies. I also request documentation that proves XXXX XXXX XXXX has the legal right to collect on this debt and that it is being reported accurately

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 2025-08-15 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX XXXX, XXXX, XX/XX/XXXX ) as proof from the XXXX Federal Trade Commission XXXX all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-08-15 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief