vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 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:
FCRA Dispute Demand for Immediate Removal of Inaccurate CXXXX XXXX XXXX Account ( CFPB Complaint # XXXX ) To Whom It May Concern : I am writing to demand the immediate removal of the XXXX XXXX XXXX account XXXX Account Number:XXXX ) from my credit report maintained by your bureau. This account is being reported inaccurately and incompletely, and its continued reporting violates federal law, including FCRA 1681i ( a ) ( 5 ), 1681c-2, and related provisions. 

Background : The vehicle securing this loan was repossessed on XX/XX/year>. 

I never received any documentation regarding the sale of the vehicle, including sale price, deficiency balance, or related notices. 

The account balance continues to reflect the original auto loan, despite your bureau updating the account status to closed. This is inaccurate and misleading. 

I have not received a 1099-C or any documentation supporting the balance being reported.

I previously filed a dispute via the CFPB under Complaint # XXXX, which your bureau stated had been verified. That verification is insufficient because : It relied solely on information from XXXX without providing any documentation supporting the balance ; The reporting does not reflect the actual outcome of the repossession ; Federal law requires deletion if the information can not be verified after reinvestigation. 

Legal Basis for Removal : Under FCRA 1681i ( a ) ( 5 ), any information that can not be verified after a reasonable reinvestigation must be deleted from the consumer file.

Under FCRA 1681c-2, I am entitled to block any information resulting from identity theft or unverified accounts within 4 business days of proper notice.

Continued reporting of this inaccurate account constitutes a willful violation of federal law, exposing your bureau to statutory damages, actual damages, punitive damages, and attorneys fees ( 15 U.S.C. 1681n, 1681o ). 

Demand : Delete this XXXX XXXX XXXX account immediately from my credit report. 

Provide written confirmation of removal within 4 business days of receipt of this letter. 

Failure to comply will result in legal action for violation of federal law and regulatory escalation through the CFPB. 

Time is of the essence. Your previous verification does not satisfy federal requirements, and continued reporting of inaccurate information is unlawful. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am disputing the way Capital One is reporting a charge-off on my credit report because they failed to provide me with the legally required notices before furnishing derogatory information. Under the Fair Credit Reporting Act, they were required to send me both a Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ) and an Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ), yet I never received either one. The account, Capital One, with account # XXXX, XXXX, reported positively for a period of time, but after delinquency it was charged off and derogatory data began appearing on my consumer report without the legally mandated warnings. The absence of a Negative Information Notice denied me the chance to address the debt before damage occurred, and the absence of an Adverse Action Notice denied me my right to review, obtain, and dispute my credit report. These failures violate the FCRA and render the charge-off reporting unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: DISCOVER BANK
State: MO

Complaint narrative:
I purchased {$32.00} dollars of gas for my car at XXXX. I was charged {$120.00}. I was told this is a pre authorization fee and the correct amount would post later. Is this process lawful? The money was removed from my account. This seems like a billion dollar scam where someone is borrowing billions of dollars without interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: AL

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: FL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-10-02 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: FL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: IL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: MI

Complaint narrative:
I was in the hospital fighting for my life while someone used my cash app account without my knowledge or permission. I disputed XXXX charges. Cash app denied XXXX charges that were all amounts over {$25.00}. Cash app then refunded me XXXX of those disputes that were all under {$25.00}. Some of these charges were made within XXXX minutes of each other. For example on XX/XX/year> at XXXX I was charged {$25.00} and they refunded me that but the charge that was made on XX/XX/year> at XXXX in the amount of {$47.00} was denied. Every charge that was under {$25.00} that I disputed was refunded and everyone that was over {$25.00} was denied. There is no way that in XXXX minutes I didnt make the transaction but then but XXXX minutes later I didnt. I dont have an account with this merchant at all and I provided proof of that. All XXXX charges were made to the same merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing this complaint because Cash App has repeatedly and unjustly denied my dispute for an unauthorized charge, despite receiving definitive evidence that the corresponding transaction failed and that the merchant, XXXX  never processed the payment. Cash App 's denial is based on a baseless claim that the merchant fulfilled its obligation, which is factually incorrect. Cash App is wrongfully holding my funds for a non-existent order. 

Original Charge/Transaction Failure : On XX/XX/year>, I attempted a purchase on XXXX. The transaction resulted in an error message, but my Cash App account was charged {$55.00}. I never received an order confirmation, tracking details, or the product itself. 

Initial Dispute and Cash App 's Denial : I filed a dispute with Cash App. Cash App denied the dispute multiple times ( e.g., on XX/XX/year>, and XX/XX/year> ), claiming the merchant, XXXX, had " fulfilled their obligations for the goods/services associated with this transaction. '' Merchants Instruction : I provided Cash App with emails from XXXX where they explicitly stated they could not help me without order details and directed me to dispute the charge with my bank ( Cash App ) for a refund, acknowledging that the transaction was flawed. 

Definitive Evidence Provided ( Crucial Point ) : Today, XX/XX/year>, I received a final email from the merchant, XXXX, which directly contradicts Cash Apps decision. The email states : " After checking our system, it appears that your order was not successfully booked, which means no payment was processed and no items were reserved. The status shows as abandoned. '' Conclusion of Bad Faith/Failure to Investigate : This email is irrefutable proof that the merchant did not receive payment or fulfill any obligation, and that Cash App 's investigation was either absent or grossly negligent. Cash App 's continued refusal to refund my money, even with this explicit statement from the merchant, constitutes a failure to conduct a reasonable investigation and is a wrongful retention of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, Which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution reqirments under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: MD

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed multiple inaccurate items with Equifax on XX/XX/XXXX. My dispute demanded Method of Verification ( FCRA 611 ( a ) ( 7 ) ), original-source documentation ( contracts, DOFD, chain of title ), and Metro 2-accurate coding. Equifaxs results dated XX/XX/XXXX deleted XXXXXXXX XXXX XXXX XXXX ( XXXX XXXXXXXX ), implicitly admitting prior inaccuracy, but left other items verified without providing MOV. Equifax also sent a need more information page that did not meet 611 ( a ) ( 3 ) requirements and did not toll their reinvestigation duty under 611 ( a ) ( 1 ). I sent a Round-2 dispute on [ date ], again demanding MOV and deletion of unverifiable items. Equifax still has not provided MOV or competent documentation. 

Items at issue ( as Equifax reports them ) : XXXX XXXX remaining tradeline : arrears unsubstantiated ; emancipation XX/XX/XXXX ; wage withholding not reflected ; improper collection coding ( Metro 2 ). 
* XXXX XXXX Acct XXXX : no original creditor contract, no chain of title, no DOFD proof ; unverifiable under 611 ; improper collection coding under Metro 2. 
XXXX XXXXXXXX XXXX Acct XXXX : derogatories post-closure ( factually impossible ). 
XXXX XXXXXXXX XXXX Acct XXXX : reported charge-off/sold without reconciliation/assignment ; Metro 2 and 607 ( b ) accuracy failures. 
XXXX XXXXXXXX XXXX Acct XXXX : charge-off/closed without original contract, statements, or DOFD proof. 
Hard inquiries with no permissible purpose under 604 ( a ) ( 3 ).

Equifax failed to conduct a reasonable reinvestigation ( 611 ( a ) ), failed to provide MOV ( 611 ( a ) ( 7 ) ), and continues to report inaccurate/unverifiable information ( 607 ( b ) ), contrary to Metro 2 standards for accuracy and DOFD coding. 


Please note, the original dispute letters sent had wet signatures and a copy of my current DL with current address and also my social security card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax 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 Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$440.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$240.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$290.00} XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} 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, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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 XXXX Date : XXXX XXXX  XXXX Date : XXXX XXXX XXXX XXXX XXXX : XXXX ACCOUNTS : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX, Date Opened : XXXX, Balance : {$300.00} 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 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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian Response I am disputing multiple inquiries reported under my Experian file that I did not authorize. I never applied for credit with these companies, and these inquiries are fraudulent. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX I contacted the bureaus and some of the creditors, but the inquiries are still showing. I am requesting that Experian investigate and remove these unauthorized inquiries.

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 2025-10-02 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: OH

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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