vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 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: FL

Complaint narrative:
A charge-off for {$560.00} from XXXX XXXX XXXX was reported on my credit file. The reported information is inaccurate. The account shows as collection/charge-off and derogatory, but I do not believe the balance, dates, or account status are correct. I requested validation and supporting documentation, including proof of ownership, the original agreement, and a complete payment history, but the company has not provided it. This is causing harm to my credit report.

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 2025-08-16 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: MI

Complaint narrative:
I am filing this complaint because Equifax and Experian reinserted an XXXX XXXXXXXX XXXX XXXXXXXX account that was previously deleted after a prior dispute, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

This account ( Account # XXXX ) was deleted from my credit file after Equifaxs investigation. However, on or around XX/XX/year>, it was reinserted without proper verification. 

Under FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), a consumer reporting agency may not reinsert previously deleted information unless the furnisher certifies it is complete and accurate and the consumer is notified within 5 business days with a copy of the furnishers certification. Equifax has failed to provide this certification.

I have not been provided with any original signed contract, application, or verifiable documentation proving this account is mine. Without such evidence, continued reporting is a violation of FCRA 1681i ( a ) and 1681s-2 ( b ).

Additionally, I am invoking my right under FCRA 1681c-2 to have this account blocked permanently due to previous identity theft concerns and unverifiable reporting. 

I am demanding : Permanent deletion of the account from my credit file A copy of the original furnisher certification received by Equifax Cessation of all future reporting of this account unless supported by verifiable documentation This complaint is against both Equifax and XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for failure to comply with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: MO

Complaint narrative:
I am filing this complaint regarding Cash App ( block Inc ) for Un justifying deactivating my account and accusing me of fraudulent activity without providing any evidence or explanation. 

On XXXX XX/XX/year>, CAsh App suddenly deactivated my account indicating fraudulant activity without providing any evidence or explanation. 

I have no knowledge of any fraudulent activity on my account, and I believe this action is unjustified, arbitrary and damaging to me as a consumer. I can not access this account because of this action. 

This situation violatres basic consumer protection principles, including the right to know the basis of this action and false claims. Cash App has failed to respond appropriately or supply an explanation. 

I am requesting that your office : Require Cash App to provide a deytailed explanation and evidence of the alleged fraudulent activity. 

Require cash App to restore my account or, at minimum. 

Investigate whether Cash App actions violate consumer protection or banking laws. 



I have attached copies of my correspondence with Cash App, including their original notice of deactivation and follow-up request for clarification. 

Thank you for your prompt attention to this matter. I look forward to your response. 



Unfair and deceptive act : Consumer Financial Protection Act. ( 12 U.S.C. 5531 ) XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX. DOB : XX/XX/XXXX. SSN : XXXX. I called experian on XX/XX/XXXX, on or around XXXX XXXX. PDT. I spoke to an XXXX female agent in Texas in the fraud dispute department. Her name is XXXX. I asked if she could hold for 2 minutes while I locate my experian login in order to file a dispute with her. She responded she can hold for about a minute. This is false. Experians hold procedure is two minuets upon request. In less than two minuets, XXXX threatened she was going to disconnect the call. As I was speaking, she then deliberately and willfully disconnected. This is egregious. Experian has excessive hold times and this causes an undue delay and prohibits me from filing a dispute by phone. Im requesting XXXX be reprimanded and coached or terminated. Her behavior was inappropriate. This is not striving for excellent customer service. I was forced to call back and wait on hold a second time to file a dispute for potentially fraudulent items on my credit report. See experian complaint case no. : XXXX. ( This is not a dispute request. Do not file a dispute. This is not a request for my credit report. Do not send a copy of my credit report. ) cc : 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 2025-08-16 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I am submitting this formal complaint AGAIN concerning inaccurate and unfair credit reporting by XXXX, which is currently affecting my ability to qualify for mortgage financing. 

On XX/XX/2024, I reached a settlement agreement with

Goldman Sachs Bank USA ( Apple Card ) and paid {$1300.00} on a previously delinquent account with an original balance of approximately {$2500.00}. This settlement was made in good faith, and payment was completed in full per the agreement. Since that time : The account has been removed entirely from both XXXX  and XXXX  credit reports.

However, XXXX  continues to report the account, despite it being resolved.

The account still appears to negatively impact my credit score and mortgage eligibility, even though the balance has been settled and is no longer owed.

This reporting inconsistency is not only damaging but also contradicts my consumer rights under the Fair Credit Reporting Act ( FCRA ). According to : FCRA Section 602 ( A ) Consumers have the right to fair and accurate credit reporting that reflects their true creditworthiness.

FCRA Section 611 I have the right to dispute information that is incomplete or inaccurate and expect it to be investigated and corrected within 30 days. FCRA Section 607 ( B ) Consumer reporting agencies must maintain reasonable procedures to ensure the maximum possible accuracy of the information they report.

I have already submitted a dispute to XXXX  directly, along with proof of the settlement and payment. However, they have failed to remove the account, even though both other bureaus have already done so so that I can help rebuild my credit and put this negative paid account behind me I am asking the CFPB to investigate this matter and assist in ensuring that XXXX  either : Removes the Apple/Goldman Sachs trade line entirely so that it can reflect the same across all three credit reporting agencies Attached you will find supporting documentation : Proof of settlement and payment Thank you for your time and assistance in resolving this issue and helping me continue my efforts to restore and rebuild my credit. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This is not my debt I have filed a police report concerning this manner

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This is not my debt I have filed a police report concerning this manner

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
This is not my debt I have filed a police report concerning this manner

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: MS

Complaint narrative:
XXXX XXXX XXXX IS SHOWING UP AGAIN ON MY EXPERIAN CREDIT REPORT. 
THIS COLLECTION WAS ALREADY REMOVED AND NOW IT SHOWING BACK ON MY CREDIT REPORT. PLEASE REMOVE. FTC REPORT WILL BE ATTACHED.

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 2025-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I paid my Chase credit card in full on XX/XX/year> ( payment posted XX/XX/year> ) with the intent of closing the account. Despite this, Chase delayed closure until XX/XX/XXXX and charged me {$220.00} in trailing interest. I was never told about this residual interest at the time of payoff. 

After noticing the charge, I called Chase to request a goodwill adjustment. Despite my long history as a customer ( almost XXXX  years ) and the fact that I acted in good faith to clear the balance, my request was refused. The representative and a supervisor both told me that it was not possible to do after its charged in the system. 

Closing this account is part of a careful plan to improve my finances and step away from credit cards all together. Being charged unexpected interest after paying off my balance in full undermines that effort and feels both misleading and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: TX

Complaint narrative:
On XX/XX/scrub> 2025, I submitted a reinvestigation request to [ Experian / Equifax / TransUnion ] disputing several inaccurate items being reported on my credit report concerning a XXXX  XXXX account ( Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

As of XX/XX/scrub> 2025 more than 30 days later I have not received a response or investigation results, in violation of FCRA 611 ( a ) ( 1 ) ( A ). The credit bureau failed to conduct or complete the reinvestigation within the legally required 30-day window. 

I am requesting that the disputed XXXX XXXX account be deleted from my credit report and that I receive written confirmation of this deletion and the procedure used. 

No proof of mailing is available because the letter was sent via standard XXXX mail. However, it included my ID, proof of address, and SSN, and was mailed in good faith.

Please see the attached document summarizing this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: LA

Complaint narrative:
I attempted to dispute an inaccurate name on my credit report providing proof of ID uploading my Drivers License but Equifax refused to remove it. See Attached files below. 

I am disputing the inaccurate name XXXX XXXX once again under the laws of 15 U.S. Code 1681i ( Section 611 ) which requires consumer reporting agencies to reinvestigate any disputed item and delete information that can not be verified as accurate. And 15 U.S. Code 1681e ( b ) ( Section 607 ) which mandates that consumer reporting agencies maintain maximum possible accuracy of the information they report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$150.00} XXXX # XXXX XX/XX/XXXX -- {$750.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$5600.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$450.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1000.00} UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-08-17 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: NY

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2025-08-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: NY

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

1. XXXX Reported : XXXX. XXXX, XXXX {$21000.00} 2. XXXX XXXX  Reported : XXXX XXXX, XXXX {$700.00} 3. XXXX / XXXX Reported : XXXX. XXXX, XXXX {$1200.00} Hard Inquires 1. XXXX Inquiry : XXXX XXXX, XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.

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 2025-08-16 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute inaccurate and incomplete information on my credit report, similar to the concerns outlined in the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian. The CFPB lawsuit alleges that Experian has systematically failed to reasonably investigate consumer disputes, improperly handled dispute documentation, and failed to ensure the accuracy of consumer credit files. I have personally experienced many of these same issues, and I demand immediate corrective action and deletion of accounts referenced

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 2025-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently reviewed a copy of my credit report and I seen fraudulent inquires on my credit that wasn't authorized by me I'm a victim of identity theft can you please remove the inquiries because it's stopping me from obtaining credit."

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 2025-08-16 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently reviewed a copy of my credit report and I seen fraudulent inquires on my credit that wasn't authorized by me I'm a victim of identity theft can you please remove the inquiries because it's stopping me from obtaining credit."

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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 requesting a manual investigation to be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$150.00} XXXX # XXXX XX/XX/XXXX -- {$750.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$5600.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$450.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Credit Control, LLC
State: MD

Complaint narrative:
I dont know anything about this company. I dont have a contract with this company. My case with XXXX was closed out and the amount was definitely different from what this company is trying to collect. I do not owe {$800.00} and I again also didnt sign or have a contract with what ever this collection company is XXXX named Credit Control LLC XXXX They keep sending me email on a constant basis and I dont even know if it is real, but its definitely starting to feel like harassment. I will not contact them because I dont not know if this company is a scam. I have no information on them.

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