vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate and Outdated Account Reporting Account NameXXXX XXXX XXXX  Account Number : XXXX To Whom It XXXX Concern, I am writing to formally dispute the accuracy and legality of the information being reported on my Experian credit report regarding the above-referenced account. Specifically, this account is inaccurately showing a status update as of XX/XX/XXXX, when in fact the account was charged off and closed in XXXX. 
According to the Fair Credit Reporting Act ( FCRA ), negative credit items such as charge-offs are only allowed to be reported for 7 years from the date of first delinquencywhich, based on the historical payment history, began in XXXX or earlier. The XXXX rule for negative credit items under the Fair Credit Reporting Act ( FCRA ) is primarily found in XXXX XXXX. XXXX. The recent updates showing activity in XXXX through XXXX appear to be a deliberate or negligent re-aging of the account, which is a violation of FCRA guidelines. 

Therefore I am Disputing These Points : Incorrect Status Update : The account shows a charge-off with a status updated date of XX/XX/XXXX, yet it was closed and charged off in XXXX. This creates a misleading and damaging impact on my credit report. 
Improper Re-Aging : Reporting payment history and updates through XXXX, well after the account was closed, appears to be a case of re-aging the debt. This is a serious compliance issue under the FCRA. 
Inaccurate XXXX XXXX : The account reflects a charged-off balance of {$640.00} on a credit limit of {$450.00}, and a high balance of {$730.00}, which suggests overcharges, excessive fees, or interest that XXXX be predatory or otherwise invalid after the charge-off date. 
XXXX XXXX XXXX : Given that the account was opened in XXXX, and the first delinquency clearly occurred no later than XXXX, the XXXX reporting window should close in XXXX. Extending this to XX/XX/XXXX, as currently reported, is unlawful unless substantiated with verified documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed 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 2025-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a ) :

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 2025-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
My CashApp account $ seyikayode was recently closed by CashApp. My funds and funds for my children in their sponsored accounts are trapped and inaccesible. All efforts to have a resaonable review has been abortive. This stems from investigation into payment of {$10.00} for a cigar I bought from a vendor in XXXX, XXXX  XX/XX/year>. I was at a party where a cigar bar vendor was selling cigars. A purpose / note is required by CashApp so I noted in the comments " Cuban Cigar ''. I noted " Cuban Cigar '' because I generally regard the cigar type as a Cuban Cigar. The transaction was flagged and an investigation was conducted. 
Despite clearly noting that I bought the cigar from a XXXX person, on XXXX soil and providing the links to the vendor 's website https : //dvcigarrollerevents.com/ and social media platforms https : //www.instagram.com/don_valdi_cigars? XXXX ( XXXX ) and https : XXXX? XXXX ( XXXX ) that confirms the vendor is a XXXX XXXX person XXXX is booked to roll cigars at events XXXX parties. 
Despite all these, CashApp customer support decided absurdly that I had transacted with a sanctioned entity, the sanctioned entity here is apparently XXXX. It just seem that the inclusion of XXXX in the note is the only basis to conclude their a violation of XXXX economic sanctions. 
This is despite abundant evidence confirming the vendor is a XXXX entity that was provided to the customer support team. A XXXX search of XXXX XXXX XXXX XXXX show there are tons of photos and videos of the vendor operating their cigar bar at events. 
I am requesting that my account is restored and that the ignorant / incompetent support staff are trained properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: GA

Complaint narrative:
This correspondence constitutes my official dispute of the listed accounts. I have no association with them, nor did I authorize their setup. I request their removal following a thorough examination. Supporting documentation is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
According to Chase Banks official website and account terms for the Total Checking account, the $ XXXX  monthly service fee can be waived if the customer maintains an average beginning day balance of {$5000.00} or more in any combination of this account and linked qualifying Chase checking, savings, and other balances. 

I have XXXX Chase checking accounts that are properly linked under my profile. 
My combined beginning day balance was consistently above {$5000.00} during the statement period, which meets the public terms shown on ChaseXXXX However, Chase still charged the $ XXXX monthly service fee. 

When I called customer service, they told me that there is an internal agreement that only certain types of checking accounts qualify for linking, which is NOT disclosed anywhere on their website or account disclosures. 

This contradicts their published terms and misleads customers. 
Chases refusal to honor its publicly stated fee-waiver policy appears to be a deceptive and unfair business practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-10 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: UT

Complaint narrative:
This account of XXXX XXXX XXXX is reporting a late for XX/XX/XXXX and XX/XX/XXXX. I unfortunately did not realize my ex had access to my card and when I noticed I immediately called my bank and had them shut down the card to prevent her from obtaining access. At this point in time she had already maxed out my card and the utilization on it was extremely high. This caused me to be late on XX/XX/XXXX and XX/XX/XXXX. Please work with me in removing these lates as a XXXX time courtesy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: UT

Complaint narrative:
This account of XXXX XXXX XXXX is reporting a late for XX/XX/XXXX and XX/XX/XXXX. I unfortunately did not realize my ex had access to my card and when I noticed I immediately called my bank and had them shut down the card to prevent her from obtaining access. At this point in time she had already maxed out my card and the utilization on it was extremely high. This caused me to be late on XX/XX/XXXX and XX/XX/XXXX. Please work with me in removing these lates as a XXXX time courtesy.

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 2025-11-10 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Subject : American Express Gift Card Compromised and Unusable Company : American Express Description of the Issue : I was gifted a {$200.00} American Express Gift Card ending in XXXX, which I used once for a small purchase with the XXXX ( XXXX XXXX  XXXX XXXX ). Shortly after, the card stopped working. When I tried to use it again, the transaction was declined, and I was informed the card had been compromised. 

I contacted American Express Gift Card customer service multiple times. Their representatives were unhelpful and insisted they could not assist without proof of purchase even though the card was a gift. After persistence, I was told a replacement card would be sent within 710 business days. However, I no longer wish to receive another Amex gift card, as this experience has shown the product is unreliable and vulnerable to compromise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My credit report contains late payment entries that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report must include only information that is accurate, complete, and verifiable. I request that these late payment entries be reviewed and verified, and if they can not be confirmed, that they be corrected or deleted.

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 2025-11-10 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: CBC Companies, Inc.
State: TN

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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. This item is negatively affecting my credit standing and I have reason to believe that the information being reported is inaccurate and/or incomplete. 
Below are the details of the account in question : * Creditor Name : XXXX, XXXXXXXX XXXX XXXXXXXX * Account Number : XXXX * Reported Balance : {$2400.00} * Date Reported/Closed : XX/XX/year>, XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ) 611, I am requesting that you conduct a thorough investigation into this matter and verify the accuracy of all details associated with this account.

If your investigation can not fully verify the accuracy of this charge-off, I request that the account and all associated negative information be deleted immediately from my credit file.

Please provide me with the results of your investigation, including : 1. The name and address of the creditor who verified the account ; 2. Documentation used to confirm the accuracy of the reported information ; and 3. Written confirmation once any necessary corrections have been made.

Thank you for your prompt attention to this matter. I look forward to receiving written confirmation of your findings.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
am filing this complaint regarding Freedom Mortgage XXXX inaccurate credit reporting and failure to correct a known error under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/scrub> 2025, I submitted a formal written dispute after realizing that when updating my bank information on the Freedom Mortgage online portal, I accidentally transposed my routing and account numbers. I made all payments on time and even made an additional payment to ensure no delays. 

After receiving a notice that the account information was invalid, I called immediately and spoke with XXXX ( XXXXXX/XX/XXXX XXXX ), who confirmed that my payment had been processed correctly and that my account was current. Despite that confirmation, Freedom Mortgage reported me as XXXX months late. 

I have since sent multiple written requests for correction, including an escalation to the XX/XX/XXXXResolution Team and a Formal Notice of Noncompliance on XX/XX/scrub> 2025, yet the inaccurate reporting persists. 

Freedom Mortgages continued furnishing of false data violates 15 U.S.C. XXXX ( a ) and XXXX ( b ), as they have failed to conduct a reasonable investigation or correct inaccurate reporting after notice. 

This false reporting has materially harmed my credit and negatively impacted my professional ability to secure development financing as a real estate entrepreneur. 

Requested Resolution : Immediate correction of my credit report to reflect Paid as Agreed/Current. 

Written confirmation that Freedom Mortgage has notified all bureaus (XX/XX/XXXX, andXX/XX/XXXX 

Internal investigation of the representative involved ( XXXX, XXXXXX/XX/XXXXXXXX ) and system deficiencies that caused the error.

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 2025-11-10 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 contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my notarized Affidavit of Identity Theft as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report or affidavit by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. My credit report contains fraudulent ACCOUNTS and HARD INQUIRIES that are not associated with me. All necessary documentation is included in this packet, including my notarized Affidavit of Identity Theft and supporting identification documents. Copies have also been sent to your agency via Certified Mail. In addition, I request the immediate removal of the following fraudulent accounts from my credit report. ACCOUNTS : 1 ) XXXX  XXXX XXXX DATE OPENED XXXX 2 ) XXXX XXXX DATE OPENED XXXX 3 ) XXXX XXXX DATE OPENED XXXX HARD INQUIRIES : 1 ) XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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 am submitting this complaint and request for investigation regarding inaccurate or questionable information appearing on my credit reports with EquifaxXX/XX/XXXX, andXX/XX/XXXX I am a consumer seeking an accurate and fair credit report as required by the Fair Credit Reporting Act ( FCRA ). 

Inquiries : The following inquiries are appearing on my Equifax report. I do not recall authorizing these companies to access my credit report in connection with any credit application : XXXX, XX/XX/year>XX/XX/XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint against TransUnion for continuing to report inaccurate late payment information and unauthorized inquiries on my credit file without providing any form of written verification or proof of accuracy. 
The accounts in question are : XXXX Bank Late payments reporting inaccurately XXXX XXXX XXXX payments reporting inaccurately XXXX Inquiry Reported on XX/XX/scrub> 2024 XXXX XXXX XXXX XXXX XXXX XX/XX/year>2024 I have disputed these items multiple times directly with TransUnion, as well as with the original creditors, and I have not received any written documentation verifying these late payments or authorizing these inquiries. Every time I reach out, TransUnion responds with generic messages claiming the items are verified, or claiming Im reporting identity theft or using a credit repair company both of which are completely false. 
Under FCRA XXXX ( a ), XXXX ( a ), and XXXX ( a ), TransUnion is required to conduct a reasonable reinvestigation and provide written verification of how they validated this information. Instead, they continue to report hearsay data with no factual evidence. Late payments can not be verified without bank statements or payment records directly from the creditor, and inquiries can not remain on file without proof of permissible purpose under FCRA XXXX ( a ). 
If TransUnion is unable to show written validation fromXX/XX/XXXXXXXX XXXX, or either inquiry source, then this reporting violates both the FCRA and Metro 2 Compliance Standards, which require all data to be accurate, verifiable, and updated. Continuing to report unverifiable information constitutes willful noncompliance and negligence under FCRA XXXX. 
I am demanding the immediate removal of the inaccurate late payments and unauthorized inquiries. I have requested verification repeatedly and received nothing but false verified responses. If these items are not removed withinXX/XX/XXXX days, I will be pursuing legal action against TransUnion for continued inaccurate reporting and for violating my rights under federal law. 
You are required by law to provide proof not assumptions. This is considered hearsay until proper verification is received. Do your job.

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 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SECURITY FINANCE CORP
State: SC

Complaint narrative:
XXXXis falsely reporting on my credit. I have never had any accounts with them. Per my research XX/XX/XXXXis a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S CXX/XX/XXXXe XXXXd - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation