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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian 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 : INQUIRIES : XXXX XXXX  Date : XX/XX/year> 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 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 2025-08-15 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: OH

Complaint narrative:
I am a victim of identity theft, and my personal information was exposed in a national data breach. I am contacting you regarding fraudulent accounts that have been reported on my credit report. I won case in court as shown in documents Under the authority of 15 U.S. Code 1681c-2, I am formally requesting that you block and remove from my credit report all information that resulted from this identity theft, including any fraudulent accounts, inquiries, or collections that do not belong to me. 

XXXX XXXX account number : XXXX XXXX XXXX XXXX XXXX  account number : XXXXXXXX XXXX  XXXX account number : XXXX

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:
Please help me investigate accounts where I am being wrongly reported for late payments. Upon reviewing my credit report, several accounts were marked late when they shouldn't be. There should be no late payment annotationsplease remove these inaccuracies and update the accounts as previously agreed in positive standing. In addition, the account currently showing delinquency is incorrect and should be disputed and marked with no late payments.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, I had a few late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. 

SEE ATTACHED.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that [ CREDIT BUREAU ] immediately block and permanently remove multiple fraudulent accounts XXXX XXXX XXXX XXXXXXXX, XX/XX/year>, {$620.00}, Collection that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report XXXX along with supporting documentation, including proof that my personal data was compromised in the XXXX  data breach. I am filing this FTC Identity Theft Affidavit to report 1 fraudulent account appearing on my consumer FICO Experian credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a collection account opened at XXXX XXXX on XX/XX/year> under account number XXXX for {$620.00}. This account has resulted in fraudulent hard inquiries and a fraudulent collection appearing on my consumer FICO credit report. I demand that this fraudulent item be removed from each of my consumer credit reports and that all collection activity related to it cease pursuant to my rights under the FCRA and FDCPA. It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

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: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Central Research Inc
State: NV

Complaint narrative:
CRI U.S. Department of Education XXXX. XXXX XXXX XXXX XXXX, MO XXXX Re : Account [ XXXX ] - Loan Discharge Request Dear [ CRI Representative ], I am writing to express my concern and request that you take immediate action to discharge my federal student loans. I have been informed that XXXX transferred my loans to your company, but I strongly dispute the validity of these loans. 

As I am no longer a U.S. citizen, I am not liable for these debts. I assert that my status as a creditor, not a debtor, renders these loans null and void. I request that you take immediate action to discharge these loans and update my account status accordingly.

Pursuant to 5 USC 552a, I request that you verify and update my account information to reflect my current status. Furthermore, I assert that any further collection activities would be in violation of the Fair Debt Collection Practices Act ( 15 USC 1692 ), which prohibits harassment and unfair practices.

Additionally, I rely on 20 USC 1087e, which governs the terms and conditions of federal student loans. I assert that my account has been satisfied in full and that any further attempts to collect on this debt would be unlawful.

I request a written confirmation that : 1. The loans are discharged in full.

2. I do not owe any amount on these loans.

3. My account status is updated to reflect the discharge.

Please provide a written response within 14 days, confirming that you have taken the necessary actions to discharge my loans. 

Sincerely, XXXX XXXX Account : [ XXXX ] cc : Consumer Financial Protection Bureau, U.S. Department of Education

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: NY

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX USC XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
This complaint concerns failure to provide clear, timely notice of a missed payment and past due balance on my XXXX XXXX credit card causing inaccurate negative credit reporting. After my account closed and auto-pay was canceled ( by Chase ) , I was notified via secure message. I made a payment that day but couldnt set up auto-pay in the appunlike my other XXXX accounts. I then made payments via my new bank, including a prompt XXXX payment and recurring monthly payment based on the apps minimum at account closure. I assumed this was correct and min payment was automatically sending each month. All emails reference the secure messaging system on the app. They never sent me anything in regard to notify me accordingly. They admit they never sent any mailed or secure message notice about a returned payment, insufficient payment, past due balance, or credit impact. Statements vaguely say this amount includes any past due balance, with no clear breakdown or credit reporting warning or specific lateness as required by consumer protection laws. Email notices looked routine, stating amount owed and due date, with no lateness indication. I was unaware of the overdue balance and unable to fix it before late payment was reported, causing credit harm. The first and only clear notification I received was the damage to my credit report. Late fees were reversed after escalation and admitted fault by Chase, but the late payment remains affecting my credit. Chase claims statements suffice as notice and put responsibility on me to interpret vague language, violating the Fair Credit Reporting Act and CFPB rules requiring clear, timely disclosures. I have escalated ( Case # XXXX ) with no resolution. I request immediate removal of the late payment from all credit reports, written confirmation, and review of notification practices to prevent future occurrences.

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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
This complaint concerns failure to provide clear, timely notice of a missed payment and past due balance on my XXXX XXXX credit card causing inaccurate negative credit reporting. After my account closed and auto-pay was canceled ( by Chase ) XXXX XXXX was notified via secure message. I made a payment that day but couldnt set up auto-pay in the appunlike my other XXXX accounts. I then made payments via my new bank, including a prompt XXXX payment and recurring monthly payment based on the apps minimum at account closure. I assumed this was correct and min payment was automatically sending each month. All emails reference the secure messaging system on the app. They never sent me anything in regard to notify me accordingly. They admit they never sent any mailed or secure message notice about a returned payment, insufficient payment, past due balance, or credit impact. Statements vaguely say this amount includes any past due balance, with no clear breakdown or credit reporting warning or specific lateness as required by consumer protection laws. Email notices looked routine, stating amount owed and due date, with no lateness indication. I was unaware of the overdue balance and unable to fix it before late payment was reported, causing credit harm. The first and only clear notification I received was the damage to my credit report. Late fees were reversed after escalation and admitted fault by Chase, but the late payment remains affecting my credit. Chase claims statements suffice as notice and put responsibility on me to interpret vague language, violating the Fair Credit Reporting Act and CFPB rules requiring clear, timely disclosures. I have escalated ( Case # XXXX ) with no resolution. I request immediate removal of the late payment from all credit reports, written confirmation, and review of notification practices to prevent future occurrences.

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 — Deposits and withdrawals
Company: Block, Inc.
State: AR

Complaint narrative:
On XX/XX/year> I placed an order with XXXX an paid with my Cashapp XXXX card. The order was to be delivered the next day. When it did not arrive i logged on to XXXX and saw that the order had not even shipped. I was so XXXX off i immediately cancelled the order. Normally when " you purchase from XXXX what they do is contact your bank and make sure the funds are available. If you have the funds your bank earmarks them as pending and you no longer have access to these funds and your bank puts these funds into a vault in XXXX XXXX where only the mighty XXXX can access them. This is not a transaction! This is not a purchase! It is not officially a transaction until The XXXX XXXX XXXX has shipped your product and then it is complete. At this time the funds are retrieved from XXXX XXXX by XXXX and your item is on the way. 
In my case since i cancelled the purchase before it was shipped, XXXX never touched my money and the funds should have been immediately accessible to me because they only went to XXXX XXXX for XXXX day and normally that is the case. But on this day for some reason, Cashapp insisted there was a transaction that was going to happen and left them marked as pending. I chatted with them and informed them that was not the case that the order was cancelled and the replied " No XXXX has them, in XXXX XXXX XXXXXXXX and there going to keep them. After XXXX  days of back and forth over who actually had control over my money and just where was it exactly, I finally got XXXX at XXXX to send me a nice email stating that they had no funds pending and no transactions pending and therefore they were done with the whole ordeal and that Cashapp in fact had to be sitting on my money and were not releasing it. When i informed cashapp i had said letter the rep said just wait XXXX  days and then i can request an investigation as to where my funds were exactly. I said i dont have XXXX  days i need to know now could i speak with a supervisor our chat session abruptly ended. After finding a phone number for Cashapp, They don't list an email address, i was able to locate a supervisor and i informed him of the letter from XXXX and he got rude all of a sudden and said wait XXXX  days and request an investigation. I said ill just request my account closed and send me a check for my balance when they locate my missing funds he laughed and said they cant close an account with pending transactions and to check back on the XXXX. I still dont have my money and have no idea if ill ever see it again

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
On reviewing my credit report, I identified several accounts and entries that are reporting inaccurate, outdated, or unverifiable information, which is negatively impacting my credit profile. These include accounts reflecting incorrect payment histories, inaccurate balance amounts, and erroneous dates of delinquency. I have never received proper validation of the alleged debts, and the information being reported does not match my personal records. Since first noticing these errors, I have made multiple attempts to have them corrected through formal dispute requests, but the accounts remain unchanged. This ongoing inaccurate reporting violates my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, and it continues to cause harm to my creditworthiness.

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 2025-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I scheduled a payment of {$100.00} from XXXX XXXX  XXXX XXXX account to my Capital One account. On the XXXX, they tried to take the money from my account, but at that time, there weren't enough funds. So, I created a XXXX account so they could deduct the amount I just mentioned. Since they weren't able to withdraw the money on XX/XX/XXXX, they entered a " Payment Adjustment '' for the same amount in my account history. Since the money was already in full in my bank account ( XXXX  ), the {$100.00} payment transfer ended on XX/XX/XXXX. Capital One Bank supposedly " doesn't recognize this transfer. '' They've asked me to attach proof, and I've sent them absolutely everything so they'll return that money, and to this day, they haven't. I've been calling since XX/XX/XXXX, having a bad time, and their responses are NULL. Most of their employees are very despotic, and only XXXX of the many took the time to make a three-way call, including XXXX  of XXXX , confirming that the money had indeed left my account and gone to Capital One Bank . The young man had to reopen a case, explaining that we had made one-hour calls with both banks to resolve the issue more quickly, and even then, they closed the case again without explanation or even notifying me. Today I asked them AGAIN to review the payment I made from another bank to Capital One, and on XXXX occasions their responses have been incompetent, despite having sent them receipts. They simply don't want to take responsibility for the money I deposited on my credit card to make a payment, and this is affecting my credit history.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. U. S. C. 
XXXX ) that you, the Experian credit reporting agencys block the 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, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$9500.00} 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, as proof from the XXXX 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