vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please help me investigate accounts where I am being wrongly reported for late payments. Upon reviewing my credit report, several accounts were marked late when they shouldn't be. There should be no late payment annotationsplease remove these inaccuracies and update the accounts as previously agreed in positive standing. In addition, the account currently showing delinquency is incorrect and should be disputed and marked with no late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: NY

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 & 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 2025-08-20 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: TN

Complaint narrative:
I am writing to formally dispute several hard inquiries that appear on my credit report, which I have determined to be invalid and unauthorized. These inquiries were not initiated or authorized by me, and their presence on my credit report is a violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: TN

Complaint narrative:
I am writing to formally dispute several hard inquiries that appear on my credit report, which I have determined to be invalid and unauthorized. These inquiries were not initiated or authorized by me, and their presence on my credit report is a violation of my rights as a consumer 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 2025-08-20 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: GA

Complaint narrative:
I'm disputing a fraud account on my credit file that I did not apply for. I want to add a 7 years extended fraud alert on my credit file.

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 2025-08-20 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: IL

Complaint narrative:
Please take action to delete these unauthorized accounts from my credit file. I neither approved nor recognized their origin. Under USC 1681g, I formally request their removal within 15 days. I have included the necessary documents for verification.

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 2025-08-20 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: CA

Complaint narrative:
This complaint is regarding Experians continued violation of the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ) concerning my requests for the method of verification ( MOV ) for a disputed account : XXXX XXXX XXXX. 



Timeline of Experians Noncompliance XX/XX/year> I mailed my first written MOV request to Experian regarding the XXXX XXXX XXXX account. Experian verified and updated the account but failed to provide the required method of verification as mandated by FCRA 611 ( a ) ( 7 ). No description of the verification process or contact information for the furnisher was ever sent. 
XX/XX/year> I sent a second written MOV request, this time bundled with a request for XXXX as well. Experian only opened a dispute for XXXX and ignored the XXXX request entirely. No investigation or verification was conducted for XXXX. 
XX/XX/year> I mailed a third MOV letter for the XXXX XXXX XXXX account. On XX/XX/year>, Experian posted the dispute results showing the account as verified and updated. However, once again no method of verification was provided, despite this being my third formal written request. 



Violation of Consumer Rights Under FCRA 611 ( a ) ( 7 ), a consumer reporting agency must provide : A description of the procedure used to determine the accuracy and completeness of the information, including the business name, address, and telephone number of any furnisher of information contacted in connection with such information. 

Experian has failed to do so on three separate occasions. The pattern of ignoring MOV requests or providing generic verified and updated messages without documentation or supporting details suggests noncompliance and negligence in fulfilling federal obligations.

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 2025-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to formally dispute several hard inquiries that appear on my credit report, which I have determined to be invalid and unauthorized. These inquiries were not initiated or authorized by me, and their presence on my credit report is a violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-20 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: MA

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code S 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. Below are the accounts I am requesting to be reinvestigated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I state that the false late payment remarks on my accounts violate 15 USC 1666. I have always made my payments on time, and any discrepancies in this reporting are both unfair and unlawful.

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 2025-08-20 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: GA

Complaint narrative:
In XXXX XXXX XXXX ( XXXX ) reported derogatory information on my credit report. After I disputed the information they did not furnish the credit bureaus with the required disclosure, within the period required by law. They were required by federal law to place a " notice of dispute '' on my account within the 30 day of my dispute, which they signed for on XX/XX/XXXX. They have violated the FCRA, section 623 ( a ) ( 3 ) and/or the FDCP act section 807 ( 8 ) by not placing the disclosure within the required 30 day period. I sent out several letters to XXXX and the 3 major credit bureaus, yet the information is still on my credit reports. I requested that they provide verification, their method of verification and any viable evidence showing the account is being reported accurately.

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 2025-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: GA

Complaint narrative:
companies that collect, aggregate, and resell consumer datahave been selling highly sensitive information such as Social Security numbers, phone numbers, credit history, income, and more, frequently without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: CarMax, Inc.
State: TN

Complaint narrative:
Dear CFPB, I am filing this complaint against CarMax Auto Finance and the three major credit reporting agencies ( XXXX XXXX XXXX XXXX XXXX. 

CarMax Auto Finance is reporting an auto loan account ( Account No. XXXX ) on my credit file with derogatory and inaccurate information, including delinquency status and past due balances. I dispute the accuracy and validity of this account. 

I am exercising my rights under federal law, including : Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i & 1681s-2 ) : Any item that can not be fully verified with documentation must be removed.

GrammLeachBliley Act ( GLBA, 15 U.S.C. 6802 ) : Prohibits unauthorized sharing or reporting of unverifiable nonpublic personal information.

Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) : If this account was assigned to a third-party collector, it must be validated before reporting.

I am requesting that CarMax Auto Finance and the credit bureaus provide full verification of this account within 4 business days, or remove it from my credit reports entirely.

This account is currently causing harm to my credit, financial stability, and access to essential opportunities such as housing and transportation.

I respectfully request the CFPB investigate and ensure that this account is either fully validated or permanently deleted from my credit file.

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
This american express Delta SkyMiles Gold Card was closed by Amex and sent to American Express Advanced Collections Mitigation Unit without prior notice on XX/XX/XXXX. I was told to call this unit and settle the balance and I made my final payments to bring the account to XXXX XXXX at the time to my knowledge. Since the full balance was paid, I stopped receiving notification to pay or any emails, text, or calls period from Amex. However, upon checking my credit report last month ( XX/XX/XXXX ), the account had been reporting delinquent since XX/XX/XXXX after I had paid the balance in full and received ABSOLUTELY XXXX COMMUNICATION from amex. I immediately reached out to Amex support and all chat and phone agents informed that the balance was XXXX XXXX at time of closure, however at some point after XX/XX/XXXX ( which Amex is unable to show me at this point ), an XXXX XXXX balance was added to my account. After reporting this balance delinquent for 24 MONTHS, randomly in XX/XX/XXXX ( a few days before i noticed the reporting error ) Amex decided to give a courtesy credit of XXXX XXXX to bring the account back to XXXX . AFTER 24 MONTHS. This completely ridiculous situation results in 24+ missed payments and dropped my credit over XXXX points over the span of 3 years. Additionally, the credit report comments state the balance was paid in full but the account has still been reported dilinquent. I can not even begin to express how much financial turmoil and subsequent stress this has caused for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: Block, Inc.
State: NV

Complaint narrative:
Subject : Complaint Against Cash App for Failure to Release {$100.00} Authorization Hold To : Consumer Financial Protection Bureau ( CFPB ) Company Involved : Cash App ( operated by Block , Inc. ) Product/Service : Cash App Card ( debit/prepaid card ) Date of Incident : XX/XX/scrub> 2025 ( ongoing ) What Happened : On XX/XX/year>, XXXX XXXX XXXX  placed a {$100.00} authorization hold on my Cash App Card for a security deposit during my stay. I checked out on XX/XX/year>2025, with no incidental charges. The merchant confirmed in writing ( email dated XX/XX/year>2025 ) that they released the hold on XX/XX/year>2025, and stated : We dont physically charge the {$100.00} security deposit, we only put a hold on it until you check out, after that it is up to Cashapp to release it back to you.

Despite this, Cash App continues to hold the {$100.00} as a pending transaction, restricting access to my funds. I contacted Cash App support multiple times, providing the merchants confirmation, but they refuse to release it, claiming it may take up to 30 days and advising me to contact the merchant again. This violates Regulation E ( 12 CFR 1005.11 ), which requires error resolution for incorrect electronic fund transfers, including persistent holds after merchant reversal. It also contravenes XXXX XXXX Rules ( Section 5.7.4.6 ) for processing authorization reversals on uncompleted transactions. 
As of XX/XX/year>2025, the hold persists, causing financial hardship.

What Would Be a Fair Resolution : Immediate release of the {$100.00} hold and credit to my Cash App balance. Compensation for any inconvenience or fees incurred.

Attachments : Screenshot of Cash App transaction showing pending {$100.00} hold. 
Email from XXXX XXXX XXXX confirming release ( PDF ). 
Screenshots of communications with Cash App support. 
I authorize CFPB to share this complaint with Cash App for resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency.

I have never been notified of this collection action or that I owed the debt.

This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together.

Please attach copies of the following documents : * Agreement that you have authority to collect on this alleged debt.

* Agreement that bears signature of the alleged debtor with promises to pay the original creditor.

Complete payment history on this account, to prove that the amount you wish to collect is correct.

I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company.

Sincerely XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Greetings : During my stay in XXXX in XXXX, I noticed a fraudulent charge on my Chase Sapphire credit card. I reached out to the international number listed on the back of my card to report this charge. I was informed that Chase would cancel my card and issue a new one. However, the new card never arrived as it was held in a warehouse in XXXX. I contacted your international number again, and was told that Chase would send a second new card. 
Unfortunately, that card was also held in the same warehouse. After contacting Chase for the third time, I was assured that another card would be sent. Regrettably, that card is currently also held in the XXXX warehouse. 

To resolve this issue, I had a Thai friend reach out to your shipping partner, UPS, to investigate the matter. She was informed that the package had been incorrectly categorized as a document. Thai immigration does not recognize a credit card as a document. UPS indicated that in order to release the credit card from XXXX customs, there is a charge of XXXX XXXX due to the incorrect document classification. Additionally, UPS is charging XXXX XXXX for extra handling. Thus, the total fee to receive the card amounts to XXXX XXXX. 

Moving forward, Chase must cover the XXXX XXXX fee to UPS resulting from the inappropriate document designation. This is the only way for me to receive the card. Alternatively, a fourth card could be sent with the correct invoice and customs documentation for a credit card.

I have been without a credit card for two months due to Chase 's inability to properly ship a credit card to XXXX. Any fees incurred for me to receive the card should not be my responsibility ; Chase must resolve this matter with UPS.

Your representative at the international number informed me that their only option is to send a fourth card using the same method as the previous three cards. In essence, they are repeating the same error in hopes of achieving a different result. In a few weeks, I will be relocating to XXXX, and I require the credit card. I kindly request that you address this matter as soon as possible. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
The disputed transaction happened on XXXX, XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) was closed on that specific date. This can be confirmed by the merchant 's own XXXX account where they have issued a public notification claiming that they shall remain closed on the XXXX of XXXX XXXX to XXXX 's XXXX post notifying the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, the Merchant 's online ordering system still worked and accepted payment for orders even when the restaurant was closed. This is why my order ( order # XXXX ) was accepted and payment deducted but the corresponding service was never rendered as the restaurant was physically closed. ( Please find my order as an attachment ) I have disputed the transaction with my credit card ( Apple card issued by Goldman Sachs ). But they keep disregarding my plea even after I have submitted all the evidence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-20 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I submitted formal disputes to the credit bureaus regarding multiple collection accounts that are inaccurate, unverifiable, and in violation of the Fair Credit Reporting Act ( FCRA ). These disputes were submitted over 30 days ago, and the bureaus failed to remove or correct the accounts despite the lack of proper validation from the furnishers. Under FCRA 611 ( a ) ( 1 ) ( A ), the bureaus are required to conduct a reasonable reinvestigation within 30 days. I provided supporting documentation, including identity verification and proof of address, yet the accounts remain unchanged. 

Additionally, the furnishers did not provide adequate verification as required under FCRA 623 ( b ), and some accounts were reported without permissible purpose, violating FCRA 604 ( a ). I believe this constitutes willful noncompliance and negligence under FCRA 616 and 617.

I am requesting the CFPB to investigate the failure of the credit bureaus and furnishers to comply with federal law and remove these unverifiable collection accounts from my credit report.

Company response to consumer: Closed with explanation