vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Dear Equifax, I am writing to you to request the removal of outdated and inaccurate address information from my credit report. Below are the details of the address I would like to be removed : XXXX XXXX XXXX XXXX XXXX, PA XXXX I believe this address is no longer relevant to my credit history and XXXX be impacting my credit report negatively. Please review this information and remove the address on file. 

For verification, I have provided supporting documents, such as proof of address. See attached document. 

Thank you for your attention to this matter. Please confirm once requested updates have been made. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
The card in question is a XXXX XXXX XXXXXXXX XXXX XXXX In XXXX of XXXX  i was giving a late payment report for my credit card. This was my first late payment that has ever happened. I set up auto pay figuring it would do its job. Obviously it didnt work and now Im stuck with a late payment on my account that could have easily of been paid as my credit limit is very low at the time. It would be unfortunate to have a mark on my credit as it was not my fault it didnt take my money. Im assuming maybe an app update lost my auto pay data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I rarely use my Cash App account and only used it to send money to myself or to my boyfriend. On [ insert the exact or approximate date if you can ], I noticed a suspicious login activity from a month I never used the app. I had not logged in during that time, and the device or location was unfamiliar to me. 

When I recently logged in, I discovered my account was suddenly deactivated without any warning or specific explanation. I reached out to Cash App support and filed an appeal, asking for clarification. Their response simply stated that my account had violated their Terms of Service, but they refused to provide any detail about what rule I had supposedly broken. I explained I had not done anything suspicious and was only transferring money to myself or my boyfriend. They denied my appeal and said the decision was final without explaining the reasoning.

I asked for more information, but they referred me to their general Terms of Service page and said they couldnt share further details due to policy. I feel this is unfair, especially when I didnt receive any warning, and there may have been unauthorized access to my account. I am now locked out of my funds and account permanently, without being given a fair opportunity to resolve or understand the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am reporting all three major credit bureaus ( Experian, TransUnion, and Equifax ) for reporting inconsistent, inaccurate, and unauthorized information on my credit file. 

I submitted multiple legal disputes and provided documentation of violations including FCRA 1681b ( lack of permissible purpose ), 1681e ( b ) ( failure to ensure accuracy ), and 1681i ( failure to reinvestigate ). 

Items like XXXX XXXX, XXXX XXXX, and XXXX are being reported without my consent, with conflicting statuses across bureaus, and duplicate or re-aged accounts. 

This has caused housing denials, hardship as a single father, and emotional stress. 

I have attached all my dispute letters, a cross-bureau comparison, and an FTC referral. Please investigate and demand permanent deletion of all unlawful accounts.

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am reporting all three major credit bureaus ( Experian, TransUnion, and Equifax ) for reporting inconsistent, inaccurate, and unauthorized information on my credit file. 

I submitted multiple legal disputes and provided documentation of violations including FCRA 1681b ( lack of permissible purpose ), 1681e ( b ) ( failure to ensure accuracy ), and 1681i ( failure to reinvestigate ). 

Items like XXXX XXXX, XXXX XXXX, and XXXX are being reported without my consent, with conflicting statuses across bureaus, and duplicate or re-aged accounts. 

This has caused housing denials, hardship as a single father, and emotional stress. 

I have attached all my dispute letters, a cross-bureau comparison, and an FTC referral. Please investigate and demand permanent deletion of all unlawful accounts.

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 2025-06-04 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: CA

Complaint narrative:
Im writing to formally dispute a credit inquiry listed on my report that I did not authorize. After reviewing my credit file, I noticed a hard inquiry on my account without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: PENTAGON FEDERAL CREDIT UNION
State: AL

Complaint narrative:
Applied for a PENFED Platinum Rewards credit card specifically for XXXX / XXXX grocery shopping. IMPORTANT : I applied for the credit card PRIOR to creating a PENFED Credit Union account, and received an ambiguous error message. I typed in my information again and received another error message, I refreshed the website page and typed in my information a third time, this time I was approved for the credit card. When I received the credit card it was NOT the Platinum rewards credit card but another PENFED credit card. A hard credit inquiry was done on this application. NOTE : This error can be replicated on ANY new credit card application without an existing PENFED account and has NOT been fixed to date. When I contacted PENFED about the error they stated that I needed to reapply for the correct credit card and conduct another hard credit card. I reapplied for the correct credit card ( after having a PENFED account ) and was approved. I used the credit card approximately {$1000.00} at XXXX during the billing period but did NOT receive the XXXX points per the credit card agreement. I contacted the credit card rewards department and they stated they would issue a XXXX time point credit approximately XXXX points which to date I never received. PENFED states that even though their marketing literature specifically lists XXXX as a XXXX point location if XXXX uses a general merchandise code ( which almost all do ) we will only receive XXXX point per dollar - this is objectively fraud! When I tried to redeem the points I have received I was not allowed to use those points as " cash '' or to apply to the credit card bill. Instead you are forced to purchase an item through their rewards program site at an inflated price further reducing the amount of rewards you receive by approximately an additional 10 %. PENFED 's rewards programs and credit cards are fraudulent and they need to be spanked with a large fine.

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 2025-06-04 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: TX

Complaint narrative:
Because of a data breach that compromised my personal information, fraudulent accounts have been placed on my credit report. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : 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 non-monetary relief
Consumer complaint received 2025-06-04 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: AR

Complaint narrative:
I am notifying you that fraudulent accounts have appeared on my credit report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I demand their blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX - XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7100.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$220.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXX 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 XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: NV

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

Company 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 2025-06-04 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: 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 explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-04 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: IN

Complaint narrative:
I am asking for your help to review accounts from these companies that are wrongly reporting late payments. After reviewing my credit report, I noticed some accounts showing incorrect late payment marks. There should be no late payment remarks on these accounts, so please remove them and update the accounts to show as positive and current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
am submitting this formal complaint against Experian for inaccurate and inconsistent reporting on my credit file. 

Experian recently removed the XXXX XXXX XXXX XXXX XXXX  from my credit report. However, a credit card account that was clearly included and discharged in that same bankruptcy remains on my report ( XXXX XXXX ). This account is still being reported as discharged in bankruptcy, yet Experian refuses to remove iteven after they deleted the bankruptcy itself. 

This is not only misleading but also a violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information on my credit report be accurate and complete. If the bankruptcy has been removed, any accounts that were part of that bankruptcy should also be updated accordingly and no longer reference a bankruptcy. 

I have made multiple attempts to resolve this directly with Experian, and they have refused to correct the account status. This inaccurate reporting is negatively impacting my creditworthiness and continues to cause me harm. 

Furthermore, this contradictory reporting raises questions about Experian 's data accuracy and integrity. How can a credit card account remain " discharged in bankruptcy '' if there is no bankruptcy on file? This inconsistency undermines the reliability of their reporting and is causing continued harm to my financial profile. 

I am requesting that the CFPB investigate Experian 's failure to remove this account or correct its status in alignment with the removed bankruptcy. 

I have also reported this matter to the appropriate state authorities and am seeking further legal guidance if necessary.

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 2025-06-04 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: MN

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 1. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
In XX/XX/year>, I was at the XXXX XXXX and a car hit the car my partner was driving. Among other mishaps, I lost my wallet where I carried my driver 's license, my social security card, and my debit card. I immediately called the bank and blocked the card and made an appointment to get my driver 's license again, and everything went back to normal. About a month ago, I started receiving letters that I don't recognize and proceeded to review my credit information, in which I could see that there are countless account numbers and reports that I don't recognize. This makes it clear that it is an identity theft due to the loss of my personal documents

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: NY

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$680.00}

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