vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: TX

Complaint narrative:
It is very upsetting that the inaccurate late payments are still present on my credit report today. I have no idea why this hasnt been corrected yet, and refreshing my report did nothing. I need this to be handled immediately and for my documents to be reviewed properly so I no longer have to carry this constant worry.

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 2025-09-15 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-15 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: TX

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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:
My credit file contains accounts that are inaccurate and unauthorized. I did not open or authorize these accounts, nor was I ever informed of their addition. The reporting also differs between the credit bureaus. This violates the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ), requiring maximum accuracy, and 15 U.S.C. 1681i, which mandates the investigation and correction or removal of disputed items within 30 days. I have included documents confirming my identity and proving these accounts are not legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WV

Complaint narrative:
A lady grabbed my phone without authorization and sent {$520.00} of my cash app card XXXX XXXXXXXX to the wrong XXXX XXXX, an.account that he has not used in years and he has called them also and they still giving us the run about this money .. I disputed the transaction, called alot of times and the money is just sitting there untouched and I need that XXXX back cause I never gave the girl authorization to send it to that account .. XXXX has a new account. And tried everything possible to get into the old account but they keep spinning him also .. I really immediately need your help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc
State: AZ

Complaint narrative:
I am writing to file a formal complaint against Hunter Warfield Inc regarding inaccurate credit reporting.

I have attempted to resolve this matter directly with the company by email, but the issue remains unresolved.

This conduct violates my rights under Fair Credit Reporting Act, and it has caused me damage to credit.

I request that the CFPB investigate this matter and require Hunter Warfield Inc to : close the account Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
The Amount For This Was Supposed To Be At A Different Daily Rate That Was Subsequently Not Applied On The Account. After Review And Search Of Several Sources, The Rate For The Daily Usage Was Substantially Lower Than What Was Charged And I Gave This Information To The Agent Due To The Error That Continued To Show And I Was Told It Would Be Resolved. However, Their Lack Of Integrity Showed By Charging Me For This At A Rate Several Times Above Daily Rate And Market, And Then Refusing To Abide By Proper Factors To Adjust This, And To Resolve The Charges As Required By Law And By Customer Service Custom That The Customer Is The Consumer, And The CFPB Sides On The Precedent That The Rate Applied Should Be Adjusted To The Lower Amount Typical Of Those Given And Seen On The Site And Not Arbitrarily Modified. The Amount For The Daily Rate Was Much Lower, To Almost Maybe {$30.00} Per Day, But I Do Not Recall The Specific Amount, And Therefore Put XXXX In The Amount Above To Not Speculate Even On Server Issues.

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 2025-09-15 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: IN

Complaint narrative:
I am disputing inaccurate and unauthorized accounts that are being reported on my credit file. I did not open or authorize these accounts, and I was never notified of their addition. The information being reported is also inconsistent across the XXXX major credit bureaus. This violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy, and 15 U.S.C. 1681i, which requires disputed information to be investigated and corrected or removed within 30 days. I have submitted supporting documents verifying my identity and demonstrating that these accounts are inaccurate and unauthorized.

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 2025-09-15 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:
I am formally disputing the accuracy and validity of the following items listed on my credit report. I assert that these items are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$7700.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$6100.00} XXXXXXXX XXXX XXXXXXXX Balance {$6300.00} XXXX XXXX  XXXX XXXX Balance {$4900.00} XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$2800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$7200.00} XXXX XXXX XXXX XXXX Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance {$330.00} XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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:
I am formally disputing the accuracy and validity of the following items listed on my credit report. I assert that these items are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$7700.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$6100.00} XXXXXXXX XXXX XXXXXXXX Balance {$6300.00} XXXX XXXX  XXXX XXXX Balance {$4900.00} XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$2800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$7200.00} XXXX XXXX XXXX XXXX Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance {$330.00} XXXX  XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Denali Capital Holdings, LLC
State: FL

Complaint narrative:
I am submitting this dispute regarding an alleged debt currently in collection and the subject of a lawsuit filed against me in XXXX XXXX Florida. This account is fraudulent and the result of identity theft. I never opened or authorized the account in question. I am a documented victim of identity theft. According to the account in question a installment loan was established XXXX XXXX, 2022 a {$4700.00} loan was established at at 66.78 % APR and the finance charges equal {$9300.00} with a total balance to date of {$14000.00}. I have filed a FTC identity theft report and notify the creditor, the plaintiff, and the court of this both this filing and the FTC identity theft filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: FL

Complaint narrative:
This morning I checked my credit report and was shocked to see that unauthorized inquiries are still there, and I can not understand why. Even after refreshing my browser, they were not removed. I am extremely frustrated and demand that the documents I provided be reviewed carefully so this nightmare can finally be put to rest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter serves as a dispute of fraudulent accounts currently listed on my credit report. These accounts are not mine, were not authorized by me, and represent harmful and inaccurate information. Their presence damages my creditworthiness and is in violation of accurate reporting standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I am filing a complaint against Chase Bank regarding a mishandled chargeback. I had a chargeback case opened through my card issuer, Chase Bank, on transactions processed via XXXX. XXXX said they closed the chargeback case on XX/XX/year>, under Claim Number XXXX and XXXX. Chase confirmed in writing that the dispute was resolved, and a credit of {$42.00} USD, {$5.00} USD, {$21.00} USD, {$3.00} USD, {$3.00} USD, {$9.00} USD, {$10.00} USD was issued to my account. Chase rep also provided me the Acquirer Reference Number ( ARN ) : XXXX, she said traces the credit through the card networks. I am despising, PayPals XXXX XXXX continues to show the case XXXX {$42.00} USD XXXX {$5.00} XXXX XXXXXXXX {$21.00} XXXX XXXX {$3.00} XXXX XXXXXXXX {$3.00} XXXX XXXXXXXX {$9.00} XXXX XXXX {$10.00} XXXX  as Under Review more than two months after the Chase Banks " final decision ''. XXXX has failed to update the case status or reconcile the funds stating they are waiting on Chase Bank. I have contacted Chase multiple times asking them to contact, resend notice or update the status. I have provided them with the information I was provided by XXXX stating there was nothing they can do they were waiting on my card holder ( Chase Bank ) to update the case on their end. This delay is preventing proper resolution of the chargeback and has created unnecessary financial and administrative burden. 

Supporting Documents Available : Chase Bank closure letter dated XX/XX/year> ( showing the dispute is closed ). Disputed transaction listings from Chase. ARN reference number from Chase ( shown above ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I paid the debt and never got a letter stating that still show up on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: UT

Complaint narrative:
I hope that I am not too late in filing this but I had no idea I could do this until recently like tonight. In XX/XX/XXXX I opened a checking savings account with XXXXXX/XX/XXXX I had that account for at least a year maybe more I can't remember it's been so long. When I moved toXX/XX/XXXX I took my bank account with me because they had a branch there in XX/XX/XXXX There's a point when I was unemployed or in between jobs something like that, and I had them deny a payment for my car insurance to XXXX because I was XXXX XXXX overdrawn. XXXX XXXX. That XXXX XXXX ended up costing me close to {$1000.00} because they had an unbelievable {$35.00} overdraft charge, for the first one. And then each one after that was {$50.00}. It also caused my insurance policy to lapse and ruined my standing with XXXX. I refused to pay it because of first of all it was stupid for not covering a XXXX especially when I had direct deposit going to my account. The end result was they closed my account and destroyed my credit rating with any bank that I tried to open an account with. I tried talking to the bank manager about that particular Branch she didn't want to hear it. So I'm just hoping that you can help me maybe recover some of that money that they took from me because it went from owing them {$35.00} to own them over XXXX if I remember right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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.

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-09-15 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Fraudulent accounts have been added to my credit file without my authorization or knowledge. These accounts are false, inaccurate, and damaging to both my creditworthiness and personal financial integrity. Their reporting must be corrected without delay.

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 2025-09-15 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: FL

Complaint narrative:
Irregularities Identified Contradictory Status Across Bureaus XXXX  : Reports account as Positive / Closed. 

XXXX  : Reports account as Negative/ Closed by XXXX XXXX. 

TransUnion : Reports account as Negative/ Closed by XXXX XXXX. 

Same account, same dates conflicting statuses = clear inaccuracy. 

Re-Aging of Dates Date Closed : XX/XX/XXXX. 

Last Activity : shows as XX/XX/XXXX, a full year after closure. 

This is illegal re-aging to extend derogatory reporting. 

XXXX XXXX XXXX XXXX= all green ( no lates ). 

XXXX  = shows XXXX late in XX/XX/XXXX- XX/XX/XXXX TransUnion = shows XXXX late in XX/XX/XXXX- XX/XX/XXXX Same account different late dates fabricated depending on the bureau. 

Balance vs. Status Conflict Balance = {$0.00} since XX/XX/XXXX ( closed ). 

Still marked as negative with lates in XXXX despite being at XXXX. 

Once account is closed with XXXX balance, no further late payments can legally exist. 

Creditor Responsibility Reported as Account closed at credit grantors request. 

Yet CRAs continue to show negative marks after closure, which is false reporting. 

Violations of Federal Law FCRA ( 15 U.S.C. 1681 ) 607 ( b ) : Failure to maintain maximum possible accuracy.

611 ( a ) : Failure to properly reinvestigate.

623 ( a ) ( 1 ) ( A ) : Furnishing data known to be false.

605 ( a ) : Re-aging of account beyond allowed reporting dates.

FDCPA ( 15 U.S.C. 1692 ) 1692e ( 2 ) ( A ) : False representation of account status.

1692e ( 8 ) : Communicating false credit information knowingly.

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