vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: NJ

Complaint narrative:
I am filing this dispute due to the presence of unauthorized hard inquiries on my credit report. This inquiry were made without my consent, and I am extremely frustrated that this matter continues to persist. I did not authorize any of this inquiry, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, which mandates that credit inquiries must have a permissible purpose, and 15 USC 1681e ( b ), which requires that the information reported be accurate. This inquiry also violate 15 USC 1681i ( a ), which mandates that credit reporting agencies conduct a reasonable investigation when a dispute is filed, and 15 USC 1681o, which addresses negligence in complying with these requirements. This inquiry have had a negative impact on my credit score and should not be on my file. It is incredibly frustrating that these inquiries have been reported without my permission, and I request that they be removed from my credit report immediately. I have escalated this matter to the Federal Trade Commission ( FTC ), yet the issue remains unresolved. I expect confirmation once the necessary corrections have been made. If this matter is not resolved promptly, I will take further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies for the damages caused by this unauthorized and inaccurate reporting, as well as the negligence and noncompliance involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: CA

Complaint narrative:
After reviewing my credit report, I identified inaccuracies that need to be addressed. I am writing to formally dispute fraudulent accounts that currently appear on my credit report. These accounts are reported by collection agencies that I do not recognize, including XXXX XXXX, XXXX XXXX, and XXXX XXXX. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which entitles me to a fair and accurate credit report. Therefore, I respectfully request that your agency conduct a thorough investigation into this matter and take the necessary steps to remove the disputed item within the 30-day time frame, as required by the 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 2025-12-15 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: CA

Complaint narrative:
After reviewing my credit report, I identified inaccuracies that need to be addressed. I am writing to formally dispute fraudulent accounts that currently appear on my credit report. These accounts are reported by collection agencies that I do not recognize, including XXXX XXXX, XXXX XXXX, and XXXX XXXX. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which entitles me to a fair and accurate credit report. Therefore, I respectfully request that your agency conduct a thorough investigation into this matter and take the necessary steps to remove the disputed item within the 30-day time frame, as required by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all XXXX  credit bureaus on 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
Consumer complaint received 2025-12-15 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: GA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$810.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$230.00} Inquiries XXXX  XXXX XXXX Date : XX/XX/XXXX Late Payments No disputed late payments for EX. 

Previous Address XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA 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 2025-12-15 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-12-15 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: NJ

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX # XXXX XX/XX/XXXX -- {$7000.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX XXXX  # XXXX XX/XX/XXXX -- {$1100.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$260.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/year> at XXXX I went to the XXXX  gas station to get gas in XXXX XXXX GA XXXX I used pump XXXX which was not working and I didnt not know. I had to cancel the transaction and move to a different pump. I had put my PIN number in so no funds would be held. ALL FUNDS ARE HELD. The card that I used is refusing to release the funds and saying that XXXX placed the hold. The store stated and confirmed that there was no transaction for that time and pump. XXXX even stated that they are not the ones holding my funds. Nothing was purchased, no gallons were pumped and nothing as charged. This is illegal to hold funds for no charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Zip Co US Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX, I made a purchase using my Zip virtual card for {$86.00}. Zip incorrectly charged me for a higher amount and added it to my payment plan. I contacted Zip support multiple times. Several times since XX/XX/XXXX I have reached out to Zip through email and live chat with their representatives, Zip responded in writing acknowledging that the unused virtual card funds should have automatically returned to my spending limit but were not, and that the issue required escalation for technical review. Despite this, the incorrect balance remains, and my payment plan has not been corrected. I am requesting that Zip reverse the unused virtual card amount, correct my payment plan, and confirm that I am only responsible for the {$86.00} actually spent. 

I was charged on both XX/XX/XXXX and XX/XX/XXXX for the duplicate order when only XXXX transaction was fully processed by XXXX, not XXXX transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the XXXX, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-15 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:
I am disputing a late payment on my consumer report that is incorrect. The account has never been late, and the creditor provided no proof. This item must be corrected to paid as agreed and never late. This account was reported without my written consent, constitutes identity theft, and violates 15 U.S.C. 1681b ( permissible purpose ). Under 15 U.S.C. 1681e ( b ) and 1681i ( a ) ( 5 ), you are required to ensure accuracy and promptly delete or correct unverifiable information. I demand that this item be corrected or removed immediately. Continued failure to comply may result in legal action for damages.

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 2025-12-15 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever the38668re is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance 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 2025-12-15 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: CA

Complaint narrative:
Personal Address Dispute : TransUnion is listing the following repeated and possibly inaccurate address entries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( listed multiple times ) Please remove any duplicate or incorrect address entries. 

Charged-Off Accounts in Dispute : XXXX XXXX  XXXX Account XXXX XXXX Opened XX/XX/XXXX Balance : {$8500.00} XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} These accounts appear to be duplicated or misreported and require full reinvestigation. 

Inquiries in Dispute : Please investigate and remove any unauthorized inquiries : XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Beginning in XX/XX/year>, I contacted JPMorgan Chase Bank , N.A . in writing regarding a charged-off credit card account that Chase continues to report to the national credit reporting agencies. 

I disputed the accuracy and completeness of the reporting because another company, XXXX XXXX XXXX XXXX, was simultaneously attempting to collect the same debt and had issued a settlement offer, creating conflicting claims of ownership and authority to collect. I requested that Chase clarify whether it currently owns the account, whether it was sold or assigned, and, if so, to whom. 

Chase received my certified dispute letters and responded by sending copies of account statements and subsequent payment requests. However, Chase did not provide documentation establishing ownership, sale, assignment, or agency authority, nor did it address the conflicting collection activity involving XXXX XXXX XXXX XXXX XXXX 

After I sent a follow-up letter again requesting clarification of ownership and reporting accuracy, Chase sent a notice stating that it would cease further communication with me regarding the account. Despite refusing further communication, Chase has continued to report the account to the credit reporting agencies and has verified the tradeline as accurate. 

As a result, I am unable to determine who, if anyone, has lawful authority to collect this debt. Chases investigation did not resolve the core issue raised in my dispute conflicting ownership and reporting yet the account continues to be verified and reported. I made good-faith efforts to resolve this matter directly, provided written notice, and allowed sufficient time for response, but Chase has not corrected or clarified the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP
State: CO

Complaint narrative:
I logged into my bank account on XX/XX/XXXX to find out my bank was overdrawn by {$840.00}. I immediately noticed that there were XXXX transactions the bank had " reversed '' in the amount of {$500.00} each on XX/XX/XXXX. I called the bank, the people on the phone could not give me much information other than what I could see on my online account, they transferred me to a person who said " i deposited into an ATM {$3000.00} but it was actually {$2000.00}, not {$3000.00} ''. After XXXX full hour of being on the phone with them, they could not tell me what form of payment I used for this deposit nor where. They instructed me to go inside of the branch, which I did, but to no avail. They could not show me any evidence of why they state my money was short. I threw away my receipts because the deposit was made on XX/XX/XXXX there fore I didn't think I needed them any longer. Now I'm out {$1000.00} and they can not help me figure this out. I was never notified of this either in writing or via a call. They state they did, but I checked my mail and nothing was in the mail regarding their supposed findings.

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 2025-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: CT

Complaint narrative:
My Zelle account was banned by Zelle even though I am a legitimate customer. I have been using Zelle for many years and my account will prove I have thousands of transactions over the years. I think we had XXXX client who owed us money who reported us as a scam. Our company is accredited with the XXXX XXXX XXXX where we have an XXXX rating. Every time I contact Zelle they give me the run around and I have spent countless hours on the phone trying to get this fixed. I thereby request my Zelle account under the email gets unbanned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance 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 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: SC

Complaint narrative:
MRSBPO is falsely reporting on my credit. I have never had any accounts with them. Per my research MRSBPO 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 public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 non-monetary relief