vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I bought a helicopter tour via XXXX for XXXX at XXXX on XX/XX/year>. The email from the service provider said to arrive XXXX minutes early for safety check and check ins. It also said late arrivals would be subject to a {$50.00} late fee. We were in the XXXX on the way to the venue, when we received a phone call from the provider asking if we were nearby. We advised that we were in the car on the way with a XXXX minute XXXX. They said okay and hung up. When we arrived, they advised us that the flight had already taken off ( was supposed to leave at XXXX ) and they'd have to reschedule us to XXXX. We were not offered the option to pay the {$50.00} late fee and keep our XXXX scheduled time. When we asked for a refund, they said we'd have to go through XXXX since that was where we bought the tickets. We contacted XXXX, who simply said they could not provide a refund because we were not there XXXX minutes ahead of time. However, if the XXXX before arrival was only to go through safety checks and check in, the flight still should not have departed prior to the schedule departure time of XXXX. It is quite ridiculous in XXXX to not give your customers any leeway for unexpected traffic delays, and they also told us " we like to take off earlier if we can ''. Nowhere in the email or paperwork did it suggest that they might take off prior to XXXX. We would have gladly paid the {$50.00} late fee, but that was not an option despite the email stating it would be. We are not paying them {$490.00} for a service we weren't provided, and we believe they are scamming customers by leaving more than XXXX minutes ahead of scheduled times without a refund. After XXXX refused to refund me, I then went to my credit card company, Chase, and filed a dispute. They have also advised that they will not assist me, so therefore I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: Experian Information Solutions Inc.
State: PA

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 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 2025-12-15 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: OK

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with Equifax Information Service LLC due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX ) XXXX, XXXX ) XXXX Creditor Name : XXXX ) -XXXX XXXX XXXXXXXX, XXXX ) - XXXX  XXXX Incorrect information identified in reports from all XXXX  credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report. 
Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: FL

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 non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: CA

Complaint narrative:
I reported unauthorized transactions on my Cash App account that I did not authorize, initiate, or benefit from. I timely disputed these transactions and requested an investigation under Regulation E. 

Cash App denied the dispute without providing evidence of authorization and claimed that possession of my phone constituted authorization, which is not valid under Regulation E. Cash App did not provide the results of any investigation or explain how the transactions were determined to be authorized. 

During the dispute, Cash App closed my account and stated disputes could not proceed while the account was closed. Cash App later confirmed in writing that my account was reinstated and active, but the app again showed the account as deactivated, declined transactions, and restricted access without explanation. 

Cash App states my case must be handled by a specialty or dispute department that has no direct phone number or email and communicates only through one-way messages that can not be replied to. Customer support says they must contact this department internally and instructs me to wait for emails I can not respond to. 

Cash App has failed to provide evidence of authorization, failed to disclose a Regulation E investigation, and failed to resolve the unauthorized transactions or issue reimbursement. I am requesting CFPB assistance to require Cash App to comply with Regulation E, resolve the dispute, and cease unsupported account restrictions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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 filing this complaint because I am a verified victim of identity theft, and both Equifax and Experian have failed to block and remove fraudulent accounts, unauthorized inquiries, and inaccurate personal information from my credit file as required under 15 U.S.C. 1681c-2 ( FCRA 605B ).

I submitted my FTC Identity Theft Report, proof of identity, and a formal 605B block request. Despite this, the fraudulent information remains on my credit reports and continues to harm my credit standing.

Under FCRA 605B, the credit bureaus are required to block identity-theftrelated information within four ( 4 ) business days after receiving valid documentation. This has not been done. 

1. Incorrect Personal Information My credit file contains personal information that is not mine and is tied to identity theft. These items must be blocked immediately : Incorrect Address : XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Incorrect Address : XXXX XXXX XXXX XXXX, XXXX, IL XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Incorrect Employer : XXXX XXXX XXXX I have never lived at these addresses or been employed by this business. 

2. Fraudulent Accounts to Block Under FCRA 605B The following accounts were never opened, authorized, or used by me. These are identity-theftrelated and must be blocked and permanently removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts do not belong to me and should have been blocked within four business days per FCRA 605B. 

XXXX. Unauthorized Hard Inquiry The following inquiry was not authorized by me and must be removed because it is related to identity theft : DEPT OF ED XX/XX/XXXX I did not grant permission for this inquiry, and no signed authorization has been provided. 

4. Failure to Comply With FCRA 605B Despite receiving : My FTC Identity Theft Report My government-issued identification My proof of address My signed identity theft statement Equifax and Experian did not block the fraudulent accounts, inquiries, or personal information. They also failed to meet the mandatory 4-business-day blocking requirement.

This failure violates FCRA 605B and continues to cause financial harm, stress, and credit denial. 

I am requesting CFPB assistance to enforce compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: WI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 XXXX Code XXXX 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 ( XXXX ) 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
Consumer complaint received 2025-12-15 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: NY

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute several inaccurate and incomplete items on my credit report as outlined below. These disputes pertain to charged-off accounts and inquiries that are inaccurately reported. I respectfully request that you investigate and correct the information based on the Fair Credit Reporting Act ( FCRA ). 

Charged Off 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 XXXXXXXX XXXX XXXX XXXX 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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
They repossessed my vehicle without first providing me with a required Notice of Default or Right to Cure, violating my state 's consumer protection laws. After repossession, i was never given a Notice of Sale or a Deficiency Balance Notice, which are required under UCC { 9-611 and { 9-614. 
This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The amount is also being reposted to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reposting Act ( 15 U.S. Coda { 1681s-2 ). 
I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: CT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-15 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: CA

Complaint narrative:
Complaint Description : I am filing this complaint to correct a demonstrable error on my credit report regarding the XXXX XXXX tradeline. 
The Issue : I previously disputed this item via Equifax 's standard process, but the error was verified and remains on my report. The reporting of " Late '' payments for XXXX, XXXX, XXXX, and XX/XX/year> is factually incorrect. 
New Evidence Submission : I am attaching irrefutable documentary evidence that was not previously reviewed during the standard dispute process. 
XXXX. Bank Statements : Attached are my bank XXXX XXXX  XXXX XXXX ) records showing that XXXX XXXX successfully deducted the payments. 
XXXX. Lender Statements : Attached are XXXX XXXX 's own statements confirming the account was current. 
XXXX. Lender Posted Payments. 
Reason for Escalation : Because the automated dispute system failed to correct this objective error, I am filing this complaint to ensure a human agent reviews these attached documents. Continued reporting of these inaccuracies violates the FCRA 's requirement for maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: TN

Complaint narrative:
I am submitting this complaint to dispute several inaccurate and incomplete items on my credit report across the XXXX XXXX  credit bureaus : Equifax ( EQ ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ). Below are the details of the accounts in dispute, which I believe are not reported accurately according to the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6100.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$710.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
NATIONAL CREDIT SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT SYSTEM is 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 Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a follow-up complaint regarding [ Experian / XXXX XXXX XXXX  XXXX XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), XXXX ( XXXX ), and XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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