vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-24 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: ME

Complaint narrative:
I am filing a complaint against Chase Bank for failing to honor fraud protections on my credit card account. 

Before making a large purchase I called the number on my Chase card and asked to speak with the fraud department. I explained that I was considering a large transaction and was told directly that if I purchased a service and did not receive what I paid for the charge would be covered and refunded under Chase fraud protections. Based on that assurance I moved forward. 

I made XXXX payments totaling XXXX to a company called XXXX. The company promised rental rights to XXXX properties for use in an XXXX business. After partial onboarding they stopped all communication and blocked me from contacting them. No service was provided. 

I disputed all three charges. XXXX payment through XXXX Credit was refunded. XXXX payment of XXXX on another Chase card was refunded. The third payment of XXXX on this Chase account was denied even though it was to the same merchant for the same service that was never provided. 

I have spent months calling and emailing Chase with no resolution. Instead Chase has charged me hundreds of dollars in interest on a fraudulent charge. Both XXXX and Chase already acknowledged the merchant was fraudulent in the other disputes. There is no valid reason this XXXX charge should remain. 

I am requesting that Chase refund the XXXX charge and remove all related interest and fees. I trusted the assurances given to me by Chase before making this purchase. Chase has failed to uphold those assurances and has treated identical disputes inconsistently. 

All documents available were uploaded with the original complaint. Weathway doesnt actually exist. I sent a refund demand letter, it was returned as no such resident. It was a total scam

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Request for immediate deletion : I am formally notifying you that you are in direct violation of the Fair Credit Reporting Act.

On prior occasions, I submitted : - FTC Identity Theft Report # XXXX ( signed by law enforcement ) - Supporting identification documents- Affidavit and police report Under FCRA 605B ( a ) ( 1 ) ( A ), a consumer reporting agency must block reporting of an account alleged as identity theft within 4 business days of receipt of proper documentation. It has now been over 30 days, and the above account remains on my file.

Account : XXXX XXXX XXXX  ( Acct # XXXX ). 
Amount : {$110.00} Opened : XX/XX/XXXX Closed : XX/XX/XXXX Reporting on Experian and TransUnion. 

Inquiries : - XXXX XXXX XXXX XXXX XXXXXXXX ( TransUnion ) - XXXX XXXX - XX/XX/XXXX ( Experian ) Further violations include : -

FCRA 607 ( b ) failure to ensure maximum possible accuracy ( Original Creditor is not reported, balance is inconsistent ). - FCRA 623 ( a ) ( 5 ) illegal re-aging ( balance updated XX/XX/XXXX despite charge-off in XX/XX/XXXX ). 

- FCRA 611 improper reinvestigation ; TransUnion verified the account without documentation from the furnisher. Furthermore, the furnisher ( XXXX XXXXXXXX XXXX ) has reported this account as charged-off for tax/IRS purposes, yet continues to update the balance and list the account as past due as of XX/XX/XXXX. This is contradictory and constitutes inaccurate reporting under FCRA 623 ( a ) ( 1 ) ( A ) and improper re-aging under 623 ( a ) ( 5 ).

If a debt has been charged-off and cancelled for tax purposes ( IRS Form 1099-C ), it can not simultaneously be reported as an active past-due balance.

This dual reporting is materially misleading, violates Metro 2 standards, and creates false impressions of liability. I demand immediate permanent deletion of this account from my credit file. Continued noncompliance will leave me no choice but to escalate with civil action for statutory damages of up to {$1000.00} per violation, plus attorneys fees under FCRA 616 and 617.

Attached is my ID, social, 2 ( Two ) - FTC reports from today and past report, 2 ( Two ) Affidavit from today and past, bank statement for proof of address, 3 Letters for dispute

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 2025-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I am disputing a collection account being reported by Sequium Asset Solutions LLC in the amount of {$160.00}. This account is on my credit report without my consent or verification. 

I have mailed written disputes and requests for validation in compliance with the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ). Every letter was returned to me as undeliverable. This means Sequium Asset Solutions has failed to comply with the law by not providing any validation of the alleged debt. 

The continued reporting of this account violates the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), which requires furnishers of information to ensure the accuracy and integrity of information. Reporting an account that can not be validated is a direct violation of the statute. 

Furthermore, Sequium Asset Solutions is in possession of and is furnishing my personal identifying information to the credit bureaus. Under FCRA 15 U.S.C. 1681b ( a ), no company may access, share, or use a consumers personal information without a permissible purpose. I demand strict proof of any authorization, contract, or signed agreement that permits you to obtain, store, or share my personal information. Without this proof, your actions are unlawful and constitute misuse of my private data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX was in my Late Husband name and my name and he passed in XX/XX/year> and then the company XXXX XXXX XXXX XXXX came after me 3 months after his death and he got money had a policy that was stolen from me as his wife.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: MI

Complaint narrative:
On XX/XX/2025, I sent a payment of {$88.00} through Cash App to a XXXX  XXXX for a tattoo service. I unpin the appointment date the XXXX let rescheduling my appointment and I then decided she was unprofessional and I no longer wanted her services she refused a refund and blocked me with no chance to even get the service. Since I did not receive what I paid for, I submitted a dispute through Cash App, explaining that I had lost money for a service that was never rendered. 

Cash App denied my dispute and closed the case without properly addressing my concerns. Their refusal to approve the dispute left me unprotected and without any refund. 

I am extremely dissatisfied with how Cash App handled this matter. The dispute process felt one-sided and unhelpful, and I was given no clear explanation for the denial. As a customer, I expected fair consideration and protection against fraudulent transactions, but instead I was left abandoned with no resolution and financial loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: IN

Complaint narrative:
Date XX/XX/2025 Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX. XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX. Fair Collections & out - XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. Thank you for your immediate action to this issue 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 2025-08-24 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: GA

Complaint narrative:
I submitted a formal dispute to Equifax requesting the deletion of multiple inaccurate and unverifiable accounts. These same accounts were already deleted from my XXXX  credit report after investigation. 

Equifax has failed to provide verification or original documentation to support the continued reporting of these accounts, which include charge-offs, late payments, and collection items. One example is XXXX XXXX XXXX, which charged off a balance of {$53000.00} but never issued a 1099-C as required by federal tax law. Similar issues exist across multiple accounts, such as those with XXXX XXXX, XXXX XXXX, and XXXX XXXX. 

I invoked my rights under : FCRA 1681e ( b ) failure to maintain maximum possible accuracy FCRA 1681i ( a ) ( 1 ) failure to reinvestigate properly FCRA 1681i ( a ) ( 5 ) failure to delete unverifiable accounts I request that Equifax either provide verified, original documentation from the creditors, or delete these items. Continued reporting of unverifiable or inaccurate information violates federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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: DE

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: LA

Complaint narrative:
Urgent request immediate deletion required due to financial harm Dear CFPB Representative, I am urgently filing this complaint against Equifax, Experian, and TransUnion for knowingly reporting inaccurate, unverifiable, and harmful information on my credit file. 

Why This Requires Emergency Oversight : The bureaus have a documented pattern of : Ignoring the requirements of FCRA 611 by using automated e-Oscar responses instead of conducting reasonable reinvestigations.

Failing to provide supporting documentation as required under FCRA 609.

Continuing to report unverifiable accounts in violation of FCRA 623. 

This unlawful reporting is not only inaccurate but is actively causing me severe financial harm and must be addressed on an emergency basis. 

Legal Grounds for Emergency Deletion : Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any item that can not be verified must be deleted. The bureaus refusal to provide actual evidence ( such as a signed application or original contract ) makes this account unverifiable by law. 

Requested Resolution : I am demanding the immediate deletion of the following account ( s ) within 4 business days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Written confirmation of deletion must also be provided to me without delay. 

Failure to comply constitutes willful noncompliance under the FCRA, leaving the bureaus subject to statutory damages and legal action under 15 U.S.C. 1681n and 1681o. 


This inaccurate reporting has caused urgent and ongoing harm, including credit denials, loss of financial opportunities, higher interest rates, and emotional distress. Every day this account remains is another day of financial injury. 

This is an emergency request for deletion. The continued reporting of unverifiable information is causing immediate financial harm including credit denials and higher interest rates. Every day this inaccurate account remains is another day of injury. I am requesting CFPB oversight for an expedited resolution and deletion of this account within 4 business days under FCRA 611 and 1681i ( a ) ( 5 ) ( A ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: LA

Complaint narrative:
Urgent request immediate deletion required due to financial harm Dear CFPB Representative, I am urgently filing this complaint against Equifax, Experian, and TransUnion for knowingly reporting inaccurate, unverifiable, and harmful information on my credit file. 

Why This Requires Emergency Oversight : The bureaus have a documented pattern of : Ignoring the requirements of FCRA 611 by using automated e-Oscar responses instead of conducting reasonable reinvestigations.

Failing to provide supporting documentation as required under FCRA 609.

Continuing to report unverifiable accounts in violation of FCRA 623. 

This unlawful reporting is not only inaccurate but is actively causing me severe financial harm and must be addressed on an emergency basis. 

Legal Grounds for Emergency Deletion : Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any item that can not be verified must be deleted. The bureaus refusal to provide actual evidence ( such as a signed application or original contract ) makes this account unverifiable by law. 

Requested Resolution : I am demanding the immediate deletion of the following account ( s ) within 4 business days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Written confirmation of deletion must also be provided to me without delay. 

Failure to comply constitutes willful noncompliance under the FCRA, leaving the bureaus subject to statutory damages and legal action under 15 U.S.C. 1681n and 1681o. 


This inaccurate reporting has caused urgent and ongoing harm, including credit denials, loss of financial opportunities, higher interest rates, and emotional distress. Every day this account remains is another day of financial injury. 

This is an emergency request for deletion. The continued reporting of unverifiable information is causing immediate financial harm including credit denials and higher interest rates. Every day this inaccurate account remains is another day of injury. I am requesting CFPB oversight for an expedited resolution and deletion of this account within 4 business days under FCRA 611 and 1681i ( a ) ( 5 ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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: FL

Complaint narrative:
XXXXXXXX XXXX XXXX SHOWS A LATE PAYMENT XX/XX/year>, THATS INCORRECT AND I WANT IT 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 2025-08-24 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: FL

Complaint narrative:
XXXXXXXX XXXX XXXX SHOWS A LATE PAYMENT XX/XX/year>, THATS INCORRECT AND I WANT IT 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 explanation
Consumer complaint received 2025-08-24 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: FL

Complaint narrative:
XXXXXXXX XXXX XXXX SHOWS A LATE PAYMENT XX/XX/year>, THATS INCORRECT AND I WANT IT REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: NC

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being.

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being.

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The credit bureau is reporting inaccurate and inconsistent information on my report ive ask the for proof or deleted of the items. Due to the fair credit act the items deleted at once

Company response to consumer: Closed with non-monetary relief