vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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: LA

Complaint narrative:
I have previously disputed Experian, Equifax and XXXX  regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$25000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$9000.00}

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 2025-07-24 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: MA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Javitch, Block & Rathbone LLC
State: TX

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX for multiple violations of the FDCPA in connection with a debt collection lawsuit filed on behalf of XXXX XXXX XXXX ( Case No. XXXX, XXXX XXXX XXXX TX ) XXXX 

On two separate occasions ( XX/XX/XXXX and XX/XX/year>XXXX  ) I sent certified letters and emails to Javitch Block LLC requesting full validation of the alleged debt. These letters were delivered and signed for, but I never received a proper response or any of the requested documents. I also never received a response to any emails I sent. 

Despite this, they proceeded with a lawsuit and requested substitute service- which was granted- without ever responding to my written validation demands. The process servers they used employed deceptive tactics, including posing as XXXX and USPS delivery person. They never left any business card, contact info or notice of attempted service, and one stated they may involve my apartment management in an attempt to intimidate. I was not properly served and only discovered the existence of the lawsuit later, placing me at a disadvantage in defending myself. These actions are unfair, abusive and violate my rights under the FDCPA I believe this may be a violation of my rights under the Fair Debts Collection Practices Act. It is improper to pursue legal action without providing the consumer with the information required to verify the legitimacy and amount of the alleged debt. I am asking CFPB to hold XXXX XXXX XXXX  accountable for moving forward with legal action without responding to lawful written and emailed validation requests and failing to provide documentation necessary to evaluate or dispute the debt.

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 2025-07-24 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: WI

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXX & XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: WI

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXX & XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
My experian account has been hacked. I cant no longer access my account because the email and phone number have been changed. When I try to log in, it send the verification to the fraudulent email or number. I can not get in contact with experian so desperately need help

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 2025-07-24 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: NY

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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:
I am a victim of identity theft. Checked my credit today and found several accounts that i have never opened or even have knowledge of. I have never gave anyone access to my personal information or any type of consent to open any account in my name

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 2025-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
XXXX I was denied credit because of credit score. 

I can not be denied credit due to credit score, credit history, or income. Any adverse action in a consumer credit transaction is illegal. 
15 USC 1691 12 CFR 1002

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 2025-07-24 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: NJ

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I contacted Chase on XX/XX/29 and spoke with XXXX seperate represantive requesting that they stop allowing transaction to go through when funds are not available when i was notified that that XXXX seperate tranactionswent throughfrom different merchants and my account was over drawn. I wan advised that thisrequest cant be honored because CHASE makes an excetive decison based XXXX the history of the customers account anddetermines if they will allow certain transaction to go through .. i couldnt believe thisis what im being told, so now you guys are forcing customers to be in debt with you? i was transfered to a XXXX and told the same .. i immediately argued that they are literally making the decion to allow tranactions to go through and owe them on the back end and have the audacity to charge a nsf fee for each tranaction of XXXX .. on the day in question my account was overdrawn foir XXXX and XXXX monthly service fee .. it is as of date overdrawn XXXX which includes XXXX seperate fees of XXXX .. this loan XXXX at its finest and i DO NOT UNDERSTAND WHY AND HOW JP MORGAN isallowed to XXXX this unethical practice.. 


the company response is unacceptable.// .. since this complaint and DESPITE THIS COMPLAINT FILED REQUESTING TO STOP AND PREVENT ANY FURTHER CHARGING ACCRUING, CHASE HAS ADDED XXXX ADDITIONAL OVERDRAFT FEES NOW INCREASING TO XXXX SO YOU GUY ARE XXXX  AND XXXX PEOPLE INTO PAYING YOU IN SUFFOCATING XXXX? OK GOT IT IF ITS NOT RESOLVED TO MY SATISFICATION THE NEXT STEP WILL BE IN COURT!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$950.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are several inaccuracies on 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 non-monetary relief
Consumer complaint received 2025-07-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Unauthorized access to my credit report by multiple companies has caused direct and measurable harm to both my credit and credit score. I previously contacted your agency and was assured these unauthorized inquiries would be removed ; however, they remain. This ongoing failure to take corrective action is unacceptable. 

The continued presence of these potentially fraudulent entries raises serious concerns about identity theft and is causing ongoing emotional and financial distress.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing a complaint because several accounts on my credit reports are being reported inaccurately or inconsistently, and the information is negatively impacting my credit profile. I have tried to address these issues, but they remain unresolved. I am requesting the CFPBs help in having these matters investigated and corrected. 

XXXX. XXXX ( Acct # : XXXX ) This account is showing as Payment after charge-off/collection and Legally paid in full for less than the full balance. However, the comments section shows that it was previously disputed and resolved. Despite this, it is still being reported with derogatory marks. Im asking for verification of the final settlement terms and an update to the status, or removal of the derogatory remark if it's inaccurate. 

XXXX. XXXX XXXX  XXXX ( Acct # : XXXX ) This account is marked as charged off with a balance of {$1000.00}. I previously disputed this account and disagree with the outcome. I am requesting proof of the charge-off, along with an itemized breakdown of the balance, including any payments made. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Acct # : XXXX ) This account appears to be duplicated across credit bureaus and contains conflicting information. I dispute the charge-off and the reported balance. Im requesting a review to confirm which details are correct and that only one accurate version is reported. 

XXXX XXXX XXXX XXXX XXXX XXXX  ( Acct # : XXXX ) This account is marked as charged off, but to my knowledge, no payment was ever made or applied. The account also appears more than once, possibly in duplicate. If the information can not be verified, I am requesting that it be removed.

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 2025-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XXXX XXXX XXXX, at approximately XXXX XXXX, {$1200.00} was withdrawn from my Cash App account and sent to a family member ( XXXX XXXX ) without my authorization. I did not approve, confirm, or initiate this transaction. The funds were allocated for a court deposit in connection with an ongoing eviction case ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), and this unauthorized transaction placed me at risk of immediate homelessness.
I contacted the recipient and requested the funds be returned. She provided conflicting responses and ultimately refused. I submitted a dispute to Cash App, but they denied the claim based solely on the fact that the device was recognized despite clear evidence that I did not authorize or consent to the transaction. 

I have filed a formal police report with the XXXX XXXX XXXX XXXX documenting the unauthorized withdrawal and refusal to return the funds. I also submitted screenshots of the transaction, my messages to the recipient, and her refusal. Despite this, Cash App has not properly investigated the matter nor followed federal protections under Regulation E of the Electronic Fund Transfer Act.

I am requesting CFPB assistance in holding Block , Inc. accountable for failing to reverse an unauthorized transaction, failing to perform a good faith investigation, and not providing consumer protections as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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 discovered unauthorized activity on my credit report and financial accounts that I did not initiate or approve. On or around XX/XX/year> noticed the issue, I noticed a new account and/or credit inquiries that I did not recognize. Additionally, I received bills and/or calls from collection agencies regarding accounts that I never opened or used. 

After reviewing my credit report, I identified the following suspicious activity : An account was opened on [ insert date ] with [ company name ] for [ amount or type of account, e.g., credit card or loan ]. 
Multiple credit inquiries were made between [ insert date range ] without my knowledge or permission. 
I was billed for a product or service I never received, totaling [ insert amount ]. 
I did not authorize these actions and believe my personal information was used fraudulently. In response, I took the following actions : Filed a report with the Federal Trade Commission ( FTC ) at IdentityTheft.gov.

Placed a fraud alert with the major credit bureaus.

Contacted my financial institutions to secure my accounts and stop any further unauthorized transactions.

Filed a police report with the [ insert police department name ] on [ insert date ]. 
I am requesting that these fraudulent accounts be closed or blocked and that any negative marks related to this identity theft be removed from my credit report. Please let me know if further documentation is needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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

Company 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 2025-07-24 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: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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