vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: PA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I had a SoFi Money/Checking account with a balance of approximately {$2400.00}. SoFi restricted and initiated final closure of my account without allowing me to access or transfer my remaining funds.

I contacted SoFi support multiple times and was told there is no way to escalate the matter, no option to transfer the funds to an external bank, and no way to use the debit card which has now been restricted.

Ive requested confirmation on how the funds will be returned, but I have not received a clear response or written confirmation. Ive asked about receiving a paper check or refund to the original deposit source, and support refuses to clarify or assist.

I am extremely concerned because {$2400.00} of my money is frozen and inaccessible, and SoFi has made no effort to confirm the timeline or method of refund. Im requesting urgent assistance in having my funds returned in a timely manner. 

I can provide chat transcripts, screenshots of the account, and proof of the balance if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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:
I am filing this complaint to dispute an inaccurate charge-off currently being reported on my credit reports by Equifax, Experian, and TransUnion for an account listed as XXXX XXXX XXXX, account number ending in XXXX, with a reported charge-off date of XX/XX/year>, and a balance of {$11000.00}. 

This charge-off entry is deeply concerning and completely unverifiable. I have not received any documentation from XXXX  XXXX XXXX proving that this account was lawfully charged off, nor have any of the credit bureaus provided me with legitimate verification in response to my dispute. It appears this entry has been allowed to remain on my reports without proper validation or supporting records, which is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I take my credit profile seriously and actively monitor it to ensure that all reported information is accurate, complete, and reflective of my actual financial history. A charge-off of this magnitude especially one that is not backed by billing history, original account agreements, or final account status notices severely damages my creditworthiness and misrepresents my financial conduct.

Under 15 U.S.C. 1681e ( b ) of the FCRA, the credit bureaus are required to maintain and report only information that is verified and as accurate as possible. Additionally, 15 U.S.C. 1681i mandates that a credit bureau must conduct a proper reinvestigation and remove any information that can not be verified. So far, all three bureaus have failed to meet either standard in regard to this charge-off.

The fact that this charge-off has remained on my reports despite having a questionable foundation with no signed agreement, no clear chain of communication, and no payment history provided reflects either a failure to properly investigate the dispute or a complete disregard of the FCRAs legal requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
Account XXXX XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a 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 2025-06-30 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: PA

Complaint narrative:
I am asking for your assistance to look into accounts from these companies that are wrongly reporting late payments. After reviewing my credit report, I noticed certain accounts marked late incorrectly. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to show them as paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX  XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ]

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 2025-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sa-Vit Enterprises, Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute the validity of the debt you claim I owe. I have proof that a payment of {$250.00} was made by me, and the remaining balance was paid in full by XXXX XXXX XXXX XXXX XXXX, my health insurance provider. Therefore, the debt you are attempting to collect is not valid. And the Account Number they have for me is not correct!! That is not my account number and Virtua Billing ph # XXXX. The balance of {$78.00} was sent to collections to XXXX XXXX not XXXX XXXX agency. 

I want to know how Sa-Vit collections say I owe XXXX AND how does Sa-Vit have this account when XXXX  has the balance of {$78.00} to which I am paying XXXX the balance of XXXX to XXXX XXXX XXXX XXXX XXXX, PA and have it taken off XXXX XXXX  and I am requesting an immediate correction to this error, including removal from all collection records and any reporting to credit bureaus. Please consider this a formal demand to : Cease all collection efforts regarding this alleged debt. Remove the account from my credit report, if it has been reported. Provide documentation showing why this debt was sent to collections despite full payment by myself and my insurance provider. 

Attaching all proof of payment for your reference. 

Be advised that continued attempts to collect a debt that is not valid may violate the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws.

I expect a full resolution to this matter within 15 business days. Failure to do so will result in me escalating this issue through legal or regulatory channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing to formally request the CFPBs intervention regarding a {$3600.00} unauthorized debit from my Chase Bank account on XX/XX/year>, initiated by the brokerage firm XXXX XXXX XXXX. Despite promptly alerting Chase to the unauthorized nature of the charge and providing follow-up evidence of account takeover and unauthorized trading, Chase has refused to classify this incident as fraud and denied my RegulationE protection. 

Key Facts : On XX/XX/year>, a {$3000.00} debit posted to my Chase debit card ending in XXXX, labeled " XXXX. '' I never authorized this debit or initiated any trade instructions related to it.

Chase sent a fraud alert text on XX/XX/year>, which I responded to with NO. However, Chase did not register my response due to a phone device change. 

I later discovered that multiple trades were placed in the XXXX account that reduced the {$3600.00} balance to {$50.00}. I did not authorize these trades and had no knowledge of them until after the fact. 

I filed a Regulation E dispute with Chase ( Dispute ID : XXXX ), an FTC Identity Theft Affidavit, and requested documentation and reversal from XXXX, who has so far failed to act or release access logs. 

I have filed a fraud dispute with Chase, an FTC Identity Theft Affidavit, and I am currently in the process of obtaining a formal police report from XXXX XXXX. I will submit it as soon as it is issued. 

Ive also provided screenshots of the unauthorized trades, device forensic evidence, and records showing that I never approved or interacted with the account during those transactions. 

Chases Response : Chase refused to issue a provisional credit or escalate this matter as fraud, arguing that I have prior business with XXXX and therefore it must have been authorized. This response is not only inconsistent with RegulationE ( 12 C.F.R. 1005.6 ) but also ignores clear evidence of account takeover and unauthorized use.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: TX

Complaint narrative:
b'I am a victim of trafficking. The information listed below, which appears on my credit report,\n is the result of that trafficking. \nACCOUNTS:\n 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

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 2025-06-30 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: CA

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: CA

Complaint narrative:
I am filing this complaint to dispute an inaccurate charge-off currently being reported on my credit reports by XXXX, Experian, and XXXX  for an account listed as XXXX XXXX XXXXXXXX, account number ending in XXXX, with a reported charge-off date of XX/XX/year>, and a balance of {$11000.00}. 

This charge-off entry is deeply concerning and completely unverifiable. I have not received any documentation from XXXX XXXX XXXXXXXX proving that this account was lawfully charged off, nor have any of the credit bureaus provided me with legitimate verification in response to my dispute. It appears this entry has been allowed to remain on my reports without proper validation or supporting records, which is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I take my credit profile seriously and actively monitor it to ensure that all reported information is accurate, complete, and reflective of my actual financial history. A charge-off of this magnitude especially one that is not backed by billing history, original account agreements, or final account status notices severely damages my creditworthiness and misrepresents my financial conduct. 

Under 15 U.S.C. 1681e ( b ) of the FCRA, the credit bureaus are required to maintain and report only information that is verified and as accurate as possible. Additionally, 15 U.S.C. 1681i mandates that a credit bureau must conduct a proper reinvestigation and remove any information that can not be verified. So far, all three bureaus have failed to meet either standard in regard to this charge-off.

The fact that this charge-off has remained on my reports despite having a questionable foundation with no signed agreement, no clear chain of communication, and no payment history provided reflects either a failure to properly investigate the dispute or a complete disregard of the FCRAs legal requirements.

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 2025-06-30 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: NJ

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 reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. 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 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 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Unlawful Overcharging and Threat of Purchase Denial American Express XXXX XXXX I am filing a formal complaint against American Express regarding what appears to be excessive minimum payment charges and an unjustified threat of purchase denial on my American Express XXXX XXXX. 

According to the cardholder agreement provided by American Express, the minimum payment is listed as either 1 %, 2 %, or {$40.00}, whichever is greater. My current balance is {$2600.00}, and my minimum payment is listed as {$110.00}. This amount significantly exceeds the expected maximum of {$53.00} ( 2 % of my balance ). I am requesting a full, itemized breakdown of how this minimum payment was calculated, as the charge appears to be inaccurate and in violation of clear contractual terms. 

Additionally, after making an {$81.00} grocery purchase at XXXX, I received a threatening text message from American Express warning that future purchases may be declined, despite the fact that : My balance is only {$2500.00} My credit limit is {$4400.00} This communication was alarming, unprovoked, and appears to reflect unfair profiling or punitive restrictions without cause or transparency.

I believe the following laws may have been violated : Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. for failure to accurately disclose and consistently apply minimum payment terms. 

Consumer Financial Protection Act, 12 U.S.C. 5531 for engaging in Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) by overcharging minimums and intimidating compliant customers.

Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 et seq. the threat to decline future purchases may reflect algorithmic discrimination or disparate treatment, which could impact consumers unfairly based on unclear internal risk metrics.

This is the second card on which I have experienced irregular minimum billing practices from American Express. I am now deeply concerned that this may represent a broader pattern of abuse affecting multiple customers.

I respectfully request that the CFPB investigate the following : - Whether American Express is systematically inflating minimum payment amounts beyond what is contractually permitted. 

- Whether American Express is engaging in covert, punitive restrictions on purchasing power despite full compliance with payment obligations.

- Whether these practices constitute unfair or discriminatory targeting under federal law. 

- I have attached my credit card agreement, statements, and screenshots of the communications for your review.

Company response to consumer: Closed with explanation