vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have identified late payment entries on my credit report that I believe are inaccurate. In compliance with 15 USC 1681e ( b ) and 15 USC 1681i, only accurate, complete, and verifiable information should appear on my report. I am requesting verification of these entries, and if they can not be substantiated, they should be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: TX

Complaint narrative:
Dear Experian 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 ACCOUNTS : 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 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 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 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 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 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 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 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 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 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 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 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 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 2025-10-15 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: GA

Complaint narrative:
I am writing to request a XXXX XXXX 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 explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had a credit card with JPMCB ( Chase bank ). I had never missed a payment or been late and there were never any charge offs on the account ending in : XXXX up to the Chapter XXXX Bankruptcy filing date. ( this creditor was included in the bankruptcy ). I have disputed this account more than once. 

XXXX Credit Report as of XX/XX/XXXX Shows that XXXX  did in fact list the account as : Account Status : " Included In Bankruptcy '' The filing date of Chapter XXXX Bankruptcy : XX/XX/XXXX. 
The court ordered an [ automatic stay ] and all creditors listed in the chapter XXXX were notified by the court of the automatic stay. 

United States Bankruptcy XXXX - XXXX XXXX of Texas Case No. : XXXX File date : XX/XX/XXXX ( automatic stay order from the court ) Date Bankruptcy XXXX : XX/XX/XXXX ( XX/XX/XXXX ) As currently reported on my XXXX Credit Report XXXX also reflects same for XXXX and XXXX XXXX As of XX/XX/XXXX ( They changed the account status to not included in bankruptcy - Account Status : " Charge Off '' ( The information below is as of XX/XX/XXXX ). 
This is a clear violation of the CFPB - FCRA. As well as the XXXX XXXX. 
This account should show : Account XXXX : " Included In Bankrutpcy '' not late payments or charge offs. This account needs to be updated and corrected for all XXXX credit bureaus. 

Overview Account Number XXXX XXXX Account Status CHARGE_OFF Owner - Account Type REVOLVING Creditor Classification - Loan Type XXXX Original Creditor Name - Months Reviewed - Activity Designator CLOSED Terms Frequency MONTHLY Term Duration - Purchased From - Sold To - Balance and Amounts Balance {$1200.00} XXXX XXXX {$2500.00} High Credit - Available Credit {$1200.00} Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity - Date of First Delinquency XX/XX/XXXX Comments and Contact CONSUMER DISPUTES REINVESTIGATION IN PROGRESS CHARGED OFF ACCOUNT ACCOUNT CLOSED BY XXXX XXXX For questions regarding this account please contact : JPMCB CARD SERVICES XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: NC

Complaint narrative:
Despite maintaining responsible financial habits and positive credit accounts, errors and inconsistencies continue to appear in my credit reports, which adversely affect my credit profile. 

This complaint is being filed because the bureaus have failed to ensure the maximum possible accuracy of my credit information as required under the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and have not adequately responded to previous disputes filed with them. 


My reports show outdated and redundant address listings under all three bureaus. 

Correct address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. 

Previous addresses listed ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are not current and may contribute to inaccurate data matching or unauthorized account associations. 


The only verified active accounts are consistent across all bureaus and include : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Secured Credit Account ) These accounts are listed as current and paid on time, yet their reporting dates and details vary slightly between bureaus an inconsistency that should be corrected for accuracy. 

Example : the XXXX XXXX account lists slightly different reporting dates ( XX/XX/year>, vs. XX/XX/year> ) across bureaus Unauthorized or Questionable Inquiries My Experian file shows two inquiries that were not initiated or authorized by me : XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> These hard inquiries were made without my consent and may be in violation of FCRA 604 ( a ) ( 3 ), which restricts the permissible purpose for obtaining a consumer report. 

Failure to Maintain Consistency Across All Three Bureaus While the data reported by each bureau is similar, small discrepancies in dates, balances, and formatting result in credit scoring variations ( TransUnion XXXX, Experian XXXX, Equifax XXXX ). 
Under FCRA 611, the bureaus must reinvestigate and correct inconsistent or inaccurate information that could adversely affect my score.

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 2025-10-15 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: NC

Complaint narrative:
Despite maintaining responsible financial habits and positive credit accounts, errors and inconsistencies continue to appear in my credit reports, which adversely affect my credit profile. 

This complaint is being filed because the bureaus have failed to ensure the maximum possible accuracy of my credit information as required under the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and have not adequately responded to previous disputes filed with them. 


My reports show outdated and redundant address listings under all three bureaus. 

Correct address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. 

Previous addresses listed ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are not current and may contribute to inaccurate data matching or unauthorized account associations. 


The only verified active accounts are consistent across all bureaus and include : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Secured Credit Account ) These accounts are listed as current and paid on time, yet their reporting dates and details vary slightly between bureaus an inconsistency that should be corrected for accuracy. 

Example : the XXXX XXXX account lists slightly different reporting dates ( XX/XX/year>, vs. XX/XX/year> ) across bureaus Unauthorized or Questionable Inquiries My Experian file shows two inquiries that were not initiated or authorized by me : XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> These hard inquiries were made without my consent and may be in violation of FCRA 604 ( a ) ( 3 ), which restricts the permissible purpose for obtaining a consumer report. 

Failure to Maintain Consistency Across All Three Bureaus While the data reported by each bureau is similar, small discrepancies in dates, balances, and formatting result in credit scoring variations ( TransUnion XXXX, Experian XXXX, Equifax XXXX ). 
Under FCRA 611, the bureaus must reinvestigate and correct inconsistent or inaccurate information that could adversely affect my score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: 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 explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am filing a formal complaint against American Express for deceptive and misleading practices regarding a promotional offer. 

After seeing an XXXX promotion offering a {$250.00} statement credit for {$2000.00} in eligible spending within XXXX months, I opened a new credit card account specifically to participate. From the outset, my statements reflected both purchases and corresponding refunds, as I made and returned several items within the very XXXX  statement period after account opening. These transactions were all fully reflected in XXXX system long before any promotional credit was awarded. 

In late XX/XX/year>, I proactively called XXXX to confirm my progress toward the {$2000.00} requirement and the deadline to meet it. During that call, the XXXX XXXX informed me that I had already met the spending threshold as of XX/XX/year>, and that the {$250.00} statement credit had been awarded on XX/XX/year>. I was confused by this message because my own calculations showed I did not meet the {$2000.00} spend minimum. However, I was told by the company that I had fulfilled all promotional obligations and did not need to take any further action. Based on this explicit confirmation, I reasonably relied on XXXX communication and ceased tracking further spend toward the requirement. 


However, in XX/XX/year>, XXXX  revoked the {$250.00} credit, claiming that a system recalculation determined I had not met the {$2000.00} minimum because the refunds were factored in retroactively. This explanation is unacceptable and false. The refunds were issued within the XXXX  statement periodwell before the {$250.00} credit was awarded to memeaning XXXX had full visibility into those transactions at the time they deemed the requirement satisfied. I had specifically contacted XXXX to verify the systems calculation, was told unequivocally that I qualified, and was awarded the credit accordingly. The premature issuance of the reward and subsequent clawback resulted entirely from XXXX internal errornot any action or omission on my part. 

XXXX conduct constitutes a deceptive business practice under consumer protection standards. I acted in good faith, relied on their representations, and was denied the chance to meet the promotion requirements within the valid period because of XXXX misinformation and mismanagement. The retroactive reversal of a confirmed reward is both misleading and harmful to consumer trust. 

I request thaXXXX XXXX  reinstate the {$250.00} statement credit back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: NY

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX - XXXX * * * * * * * * * * XXXX FRAUDULENT INQUIRIES : XXXX - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: DC

Complaint narrative:
I am a victim of identity theft. My credit report contains multiple fraudulent accounts that I did not authorize, open, or initiate. These items appeared without my knowledge and are the result of my personal information being compromised. 
I have already submitted disputes to the credit bureaus and provided supporting documentation, including a government-issued ID, Social Security card, proof of address, and an FTC Identity Theft Report. Despite this, the following unauthorized accounts remain on my credit reports : Account # : XXXX Date Opened : XX/XX/year> The credit bureaus have failed to delete these items or provide proper verification, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) : 1681i Failure to properly reinvestigate disputed information 1681c-2 ( FCRA 605B ) Failure to block identity theft-related information 1681e ( b ) Failure to ensure maximum possible accuracy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: CA

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 2025-10-15 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX they said my account my banned, for what reason I have yet to know, but XXXX still able to with draw money and use my account but not my card, I changed my direct deposit at my job soon as I heard but they still ended up sending to my direct deposit on cash mustve been sent out already. So now I go on cashapp today because my check is supposed to be there and it isnt. I asked they where is my check because I called my job they said it was sent out to them, they said they returned it but how would I know if they cant provide me with any information and thats what they are their for how long will it take? Did they actually send it back? My is my account even banned? My checks get deposited here I would never do anything to get my account banned on top of that I borrowed {$100.00} from them but now am I going to be able to pay that back if my direct deposit check isnt on there. They are very unprofessional please help me result in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: FL

Complaint narrative:
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 XXXX XXXX. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. 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 2025-10-15 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: MI

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