vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 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:
According to the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), once a consumer reports identity theft and provides the required documentation, the consumer reporting agency is obligated to block the disputed information within 4 business days.

I have already submitted an Identity Theft Report and clearly disputed multiple inquiries as unauthorized. Despite this, Equifax failed to comply with federal law and instead responded with a generic boilerplate statement that inquiries are factual records of file access. This response is not a reasonable reinvestigation under 611 ( 15 U.S.C. 1681i ) and constitutes a direct violation of 605B.

The following inquiries were not authorized by me and remain on my credit file : XX/XX/XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XX/XX/XXXX XXXX ( XX/XX/XXXX ) XX/XX/XXXX ( XX/XX/XXXX ) XXXX XX/XX/XXXX( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX ) XX/XX/XXXX ( XX/XX/XXXX & XX/XX/XXXX ) Equifax is required by law to : 1. Block these unauthorized inquiries from my credit report within 4 business days of receiving my Identity Theft Report ( 605B ).

2. Delete unverifiable information pursuant to 611 ( a ) ( 5 ).

3. Provide documentation of the investigation process and the furnishers verification, as required under 611 ( a ) ( 6 ) ( B ) ( iii ).

4. Prevent reinsertion of the deleted information unless the furnisher provides certification of accuracy ( 611 ( a ) ( 5 ) ( B ) ).

Equifaxs failure to block these unauthorized inquiries after receiving notice of identity theft is a clear and willful violation of the FCRA.

I request immediate removal of all listed inquiries and written confirmation of compliance. Equifaxs continued noncompliance will subject them to liability under 15 U.S.C. 1681n and 1681o for willful and negligent violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
XX/XX/XXXX Payment {$100.00} XX/XX/XXXXXXXX  Payment {$100.00} XX/XX/XXXX Payment {$100.00} XX/XX/XXXX Payment {$100.00} XX/XX/XXXX Payment {$100.00} XX/XX/XXXX Payment {$100.00} XX/XX/XXXX Payment {$100.00} XX/XX/XXXX Payment {$100.00} XX/XX/XXXX Payment {$100.00} XX/XX/XXXX Payment {$100.00} XX/XX/XXXX Payment {$100.00} XX/XX/XXXXXXXX  Payment {$100.00} XX/XX/XXXX Payment {$100.00} XX/XX/XXXX sent mail to granishment of wages without contacting me and contacted my seasonal employer stating that they were going to take pay from there when I have worked there since XXXX  of last year and have no job Also since then have gotten nomourse calls and letter in the mail and was threatened

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-08-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DC

Complaint narrative:
I was interested in purchasing a watch from a company based in NJ. They asked for XXXX for payment that did not work so they asked me to XXXX  them {$460.00}. I received information from them about item being sent but nothing was received. Within 20 days I realized this may be fraud. I called USAA and reported it. They did not investigate, they simply said the bank rejected the money. Despite my 20-year history as a loyal customer, the bank rejected my claim, stating they would not issue a refund.

This is deeply concerning because XXXX transactions are increasingly being used by scammers to target consumers. The banks position leaves me with no protection, despite federal guidance that financial institutions are responsible for investigating unauthorized or fraudulent transfers. USAA has no such protections in place and refused to help get my funds returned 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 2025-08-25 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: NJ

Complaint narrative:
I just pulled my credit report and I recognize a unauthorized inquiry on their that inaccurate can you please remove it According to the fcra thes unverified and unauthorized item must be removed its affected my score negatively. 15 USC 1681 ( n ).

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 2025-08-26 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: Experian Information Solutions Inc.
State: MS

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
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 2025-08-26 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:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 non-monetary relief
Consumer complaint received 2025-08-26 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 submitting this formal complaint against Experian for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Experian with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, which the banks confirmed would be removed but remains on my report ; all of which are identity theft-related and should have been blocked under 1681c-2 of the FCRA. Experians refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. 
For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

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 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
During a period beginning on XX/XX/XXXXXXXX  and ending on XX/XX/XXXX, fraudulent charges were made on my Citibank credit card totaling {$2600.00}. All of the charges made show that they were initiated in Florida at various retailers. All charges were under {$100.00}, but totaled {$2600.00}. 

I was at home or at work in XXXX, TN during this time frame. My Wife was also in XXXX, TN with me during this time. We rarely use this credit card, and it had a XXXX balance before these fraudulent charges occurred. 

Upon discovering these charges on XX/XX/XXXX, I immediately contacted Citibank and initiated a fraud claim. They cancelled the card and sent me a new one. They told me that in no case was I responsible for fraudulent activity. I assumed the matter was resolved. 

Some days later, I received notice that the dispute was not credited due to ME not providing requested information. No one from Citbank EVER requested additional information from me. I immediately called and was bounced between departments before finally reaching an operator that re-opened the dispute. They seemed very understanding and once again assured me that I was not responsible for any fraudulent activity. I made sure to ask if ANY more information was needed, and the representative assured me that there was not. Again, I assumed the matter was handled.

Today, XX/XX/XXXX, I received a mailing from Citibank. It says that my dispute is closed and that I AM RESPONSIBLE. The exact phrase reads, " The card 's XXXX chip was used to make the disputed transaction ( s ) at a chip enabled card reader. You verified that your card was in your possession at the time of the transaction ( s ), so we don't consider this fraudulent activity. '' The above statement is not only categorically false, but also an outright lie by one of the largest banks in the world. I was not even in the state, and both cards were in my family 's possession in Tennessee when these charges were made. In my opinion, an XXXX XXXX  could look at the timing, amounts, and locations of all these charges and quickly deduce fraud. 

Further research by me found MANY people that have been stonewalled by CITI and denied their disputed claims. While I suspect that many give up, I assure you that I will never do that. 

This submission is my first step. Tomorrow I will retain an attorney and pursue this matter until the charges are removed. It is then my intention to collect any attorney fees incurred by me in this process from Citibank. 


* * * Please note, the card number I entered on this CFPB form is the NEW card number that Citbank sent 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 monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: GA

Complaint narrative:
Hello, my name is XXXX XXXX. 
I have funds on the XXXX platform that I can't withdraw to my bank card. 
I checked my emails and they initially promised to unblock my account on XX/XX/year>. Later, I received another email saying there would be another 180-day delay. Now, 270 days have passed, and I still can't withdraw my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: WA

Complaint narrative:
Subject : Unauthorized Hard Inquiry on Credit Report by XXXXXXXX XXXX On XX/XX/XXXX, while browsing the XXXXXXXX XXXX  website ( XXXX  ) to review pricing for the new XXXX XXXX XXXX XXXX, I accidentally navigated to the checkout page. Without my consent or acknowledgment, XXXX XXXX initiated a hard credit inquiry on my Experian report. 

I want to emphasize the following points : - I did not place an order or complete any purchase. 
- I never provided my Social Security Number or signed any Fair Credit Reporting Act ( FCRA ) authorization form that would permit XXXXXXXX XXXX to access my credit. 
- Despite this, a hard inquiry by XXXX XXXX appeared on my Experian credit report, negatively impacting my credit profile. 
- This inquiry was initiated without my knowledge, consent, or authorization and even before any transaction was completed. 

Immediately after noticing the inquiry, I contacted both XXXX XXXX and Experian. Each party denied responsibility and refused to process a dispute, repeatedly pointing me back to the other. As a result, I have been left without any meaningful resolution. 

This is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) since a company can not lawfully run a credit inquiry without consumer consent or permissible purpose. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) review this matter and require XXXX XXXX and Experian to : - Remove the unauthorized hard inquiry from my credit report. 
- Investigate how XXXX XXXX obtained access to my credit report without proper consumer authorization. 

Thank you for your support in addressing this issue.

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 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Complaint Topic : Product : Credit card or prepaid card Sub-product : Credit card Issue : Problem with a rewards program or benefit Company : JPMorgan Chase Bank , N.A . 

Complaint Details : I am filing this complaint regarding a denied XXXX XXXX XXXX claim under the benefits offered by my Chase Sapphire Reserve credit card. 

I used the card to pay for a prepaid guided tour to XXXX. The trip was interrupted by a natural disaster flooding at the XXXXXXXX XXXX, which was our groups only scheduled route back into XXXX. This flooding caused authorities to close the border indefinitely, preventing us from returning to XXXX in time for our XX/XX/XXXX XXXX XXXX XXXX 

Our XXXX guide confirmed that if we continued the tour, we would be stranded and miss our flight. As a result, we made the only feasible decision : we exited the tour early and paid out of pocket for return flights from XXXX to XXXX, forfeiting the remainder of our prepaid tour. 

This interruption fits the Chase benefit guides definition of a covered event : - A natural disaster occurred - We incurred nonrefundable, prepaid losses- We purchased necessary alternate transportation to return on time - We acted reasonably to mitigate further loss Despite this, XXXX XXXXXXXX denied the claim, saying it stemmed from a change in plans. This was not a discretionary change it was an interruption caused by a documented natural disaster that made the original itinerary impossible. 

We submitted a formal appeal with all supporting documentation on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX stated we would hear back by XX/XX/XXXX. As of today, XX/XX/XXXX, we have received no response. I called again and was told : - There are no new notes from the adjuster - The claim is stuck in the same status - They are now trying to escalate to a supervisor, but no timeline was provided for resolution. 

This is now an unreasonable delay that violates the standards of good-faith insurance claim handling.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally request the blocking of fraudulent account and inquiries that have been reported on my credit file. This request is being made under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S. Code 1681c-2 ), which requires credit reporting agencies to block such information upon proper notice and documentation.

The following fraudulent account and inquiries were initiated without my knowledge or authorization. 
The fraudulent accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The fraudulent inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
As required by law, I am including the following documentation : 1. A valid Identity Theft Report filed with the Federal Trade Commission ( FTC ) 2. A copy of my government-issued ID and SSN. 
3. Proof of my current address. 
All documentation has been included with this dispute to fully verify my identity and address. No further confirmation should be required. 
Please be advised that I am not working with any third party or credit repair agency. This dispute and all accompanying documents were prepared and submitted by me, the consumer, directly. 
This is not a mistake, and I am fully aware of the contents and purpose of this request. I am asserting my rights under FCRA 605B as a consumer and a victim of identity theft. I am requesting that these fraudulent accounts be blocked from my file in accordance with the law.

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 2025-08-26 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: CA

Complaint narrative:
I am submitting this formal complaint against Equifax for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Equifax with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX, which the banks confirmed would be removed but remains on my report ; all of which are identity theft-related and should have been blocked under 1681c-2 of the FCRA. Equifaxs refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. 
For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

Company response to consumer: Closed with non-monetary relief