vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-04 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX 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 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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:
I have disputed this account with Experian three times, providing legal documentation showing that the company ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) voluntarily dismissed the lawsuit they filed against me in court. The case was closed, and I am not legally obligated to pay this debt. Despite sending Experian a PDF with the judges signed order and other supporting evidence, they continue to report this account, which is damaging my credit. Equifax and TransUnion removed this account from my credit report after receiving the same documentation. I also submitted a request directly to the company for proof of the debt, including the original contract or payment history, but I never received a valid response. This is a violation of the Fair Credit Reporting Act ( FCRA ), and I am requesting that this inaccurate information be permanently removed from 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 2025-07-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have been a card member of American Express for the past 20 years and had three credit cards with them one XXXX and XXXX XXXX cards with a combined balance of about {$97000.00}. During a call with one of their representatives, I made a comment that I now fully regret, and I have since written a formal apology to American Express. 

Despite this, American Express is still being adamant and has refused to offer a payment plan or consider reopening my account, even though I have requested a temporary hardship arrangement in good faith and am committed to repaying the debt. 

I believe their refusal is punitive and could unfairly damage my credit. I am seeking CFPB support in getting American Express to consider a temporary hardship and reinstatement plan so I can resolve this responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: GA

Complaint narrative:
Im writing to dispute the way the XXXX account is being reported on my credit report especially on Experian. 

This account is being reported as a collection every single month, repeatedly, for an extended period of time. Thats not how collections are supposed to be reported. A collection is a single event, not something that should show up as a new negative mark month after month. 

Reporting it this way is misleading, inaccurate, and unfairly damages my credit by making the situation appear worse than it actually is. This practice also violates the Metro 2 credit reporting guidelines, the Fair Credit Reporting Act ( FCRA ), and does not align with the CFPBs guidance on fair and accurate reporting.

Because of these issues, Im asking that the XXXX account be removed from my credit report entirely. Please investigate this account and delete it if it can not be corrected immediately to reflect proper 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 2025-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am submitting this complaint regarding Bank of America 's failure to properly investigate and reimburse me for two unauthorized transactions on my account ending in XXXX totaling {$3900.00}. I filed fraud claims on XXXX XXXX XXXX  ( Claim Numbers : XXXX and XXXX ), which were denied on XXXX XXXX XXXX on the grounds that the charges were authorized or made by someone with permission to use the account.

This is inaccurate. I was the XXXX XXXX XXXX XXXX and did not authorize the transactions. Bank of America 's decision and failure to conduct a reasonable investigation are in violation of Regulation E ( 12 CFR 1005 ), which requires financial institutions to investigate and resolve claims of unauthorized electronic fund transfers in good faith.

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 2025-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XX/XX/year> TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Cease and Desist Demand Regarding Collection Activity on Charge-Off Account To Whom It May Concern, I am writing to formally demand that you cease all communication and collection efforts regarding the alleged debt associated with the account referenced below, which has been charged off. 

Account Reference : XXXX XXXX XXXX XXXX Account Number : XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am exercising my right to request that you immediately cease all communication with me regarding this matter. This includes, but is not limited to, phone calls, letters, emails, or any other form of contact. 

Please be advised of the following : XXXX. I dispute the validity of the alleged debt and request no further contact. 
XXXX. The account in question has been charged off, and I am under no legal obligation to engage with you regarding this matter. 
XXXX. Any continued contact after receipt of this letter will be considered a violation of the FDCPA and may result in legal action being taken against your organization. 

I respectfully request written confirmation that you have received this notice and that no further collection attempts or communications will be made regarding this matter. 

Thank you for your immediate attention to this matter. 

Sincerely, 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 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Inaccurate Late Payment Reporting FCRA Violation I am filing a formal complaint regarding inaccurate and inconsistent reporting on my credit file. 
A late payment has been reported by XXXX XXXX  on my account XXXX, dated XX/XX/year>, in my credit reports. 
Under the Fair Credit Reporting Act ( FCRA ), Sections 607 ( b ) and 611 ( a ), credit reporting agencies and furnishers are required to report information that is complete and accurate across all platforms. The inconsistency between bureaus raises serious concerns about the accuracy and legitimacy of this late payment. 
I respectfully request to investigate this matter and ensure this information is either verified with proper documentation or removed immediately from all reporting agencies. 
Attached : - A copy of my government-issued ID and SSN. 
- Proof of my current address.

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 2025-07-04 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: TX

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within XXXX days of receiving this request, as required by federal law and your obligations under 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 2025-07-04 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I am filing this complaint regarding inaccurate or incomplete credit reporting by Chase Bank XXXX XXXX XXXX XXXX credit card account in my name ). In XX/XX/year>, I made over {$5000.00} in payments on this account including a {$4000.00} payment submitted on XX/XX/XXXX which substantially reduced the balance. 

Despite this, Chase reduced the accounts credit limit from {$6700.00} to {$2700.00} shortly thereafter, and reported the lower limit and higher balance to the credit bureaus before the payments were reflected. This caused my credit report to show an abnormally high utilization ratio, which inaccurately portrayed my credit behavior and negatively impacted my score. 

Additionally, my wife, XXXX XXXX, is an authorized user on this account. Her credit report was also impacted by this reporting timeline, and she previously filed a separate CFPB complaint that Chase dismissed on the grounds that she is not the primary account holder. 

I also confirmed with the credit bureaus that Chase had not submitted an updated report since XX/XX/year> even after significant payments were made in XXXX. Chase later reduced my credit limit and then submitted an updated report that reflected the lower limit without the payment history. While they may claim the data was accurate, it was not timely or complete, which resulted in a misleading snapshot of my credit profile and unfairly impacted my credit score. This undermines the intent of the FCRA. 

As the account holder, I am requesting the following resolution : That Chase accurately report the payment activity for XX/XX/year>, including the {$4000.00} payment made on XX/XX/XXXX ; That they either restore the original credit limit for the purpose of reporting that cycle, or Add a clarifying note to the credit reporting that the limit reduction occurred after substantial payments were made. 
The reporting timeline is misleading under the Fair Credit Reporting Act, which requires not only accuracy, but also completeness and timeliness. I have previously attempted to resolve this matter with Chase and received only a general form letter in response. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: PA

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " US BKPT CT IN INDIANAP-VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Southern District of Indiana United States Bankruptcy Court that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-07-04 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: OH

Complaint narrative:
With all of the data breaches happening I believe companies have exposed my information as well. I reviewed my credit report and as a concern I wanted to ensure I addressed any misrepresentations of my credit report. As a result I want to bring these inquiries to the CFPB 's attention and use you all as a third party to address my concerns directly with the credit bureau. For some reason they continue to state inquiries are a factual item when in deed that is untrue. I am requesting that permissible purpose be provided in order for the following inquiries to report below : XXXX XXXXXXXX inquiry : An unauthorized inquiry on the credit report. Fix or delete inaccurate inquiry. XXXXXXXX XXXX XXXX XXXXXXXX inquiry : Inaccurate unauthorized inquiry on the credit report. I need this deleted ASAP. XXXX inquiry : The inquiry referenced was not authorized by me. This is bothering me. Please help and delete this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: MI

Complaint narrative:
Discover Card posted on my car loan a 30-daypayment for the XX/XX/year> payment. I have always maintained my relationship with my creditors in the highest regards. I hereby request a review of my payment history to see if a mistake was made, and thus the removal of the late payment altogether. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
Subject : Account Closure and Refund Dispute Hello, My Cash App account was recently closed for fraudulent behavior, but I want to clarify the situation.

I was scammed by someone through Cash App, and I immediately reported it to Cash App support. I also provided proof of the scam, expecting a refund in line with Cash Apps policy for unauthorized transactions or scams.

However, Cash App denied the refund despite the evidence I submitted. Since I was left without help, I was advised to contact my bank directly. After reviewing the situation and the proof I provided, my bank refunded the money to me.

After this refund, Cash App put my account into a negative balance, equal to the amount that was refunded to me by the bank. Now, my account is closed, and I am unable to access or resolve the situation.

I am requesting that you reopen my account or clear the negative balance, as I was the victim of fraud, acted in good faith, and followed all appropriate steps to report the issue and recover my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: GA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been 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 explanation
Consumer complaint received 2025-07-04 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:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation