vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 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: SC

Complaint narrative:
I am submitting this follow-up regarding my previously filed complaint concerning multiple inaccuracies and inconsistencies in the reporting of several accounts on my credit file. While I understand the CFPB review process requires time, I have not yet received confirmation of a full reinvestigation or resolution of the issues I XXXX XXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXX  ( {$22000.00} ) * * Late payments reported : 30 days ( XX/XX/year> ), 60 days ( XX/XX/year> ), 90 days ( XX/XX/year> ) XXXX XXXX XXXX XXXX Account XXXX in XXXX XXXX XXXX XXXX ( {$42000.00} ) Late payment reported : 30 days ( XX/XX/year> ) .Chartway XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$69000.00} ) XXXX XXXX  Late payments reported : 30 days ( XX/XX/year> ), 60 days ( XX/XX/year> ). 
XXXX XXXX XXXXXXXX Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$75000.00} ) * * Late payments reported : 30 days ( XX/XX/year>, XX/XX/year> ), 60 days ( XX/XX/year> ), 90 days ( XX/XX/year> ) XXXX / Dept. of Education Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$12000.00} ) XXXX XXXX  Late payments reported : 90 days ( XX/XX/year> ), 120 days ( XX/XX/year>, XX/XX/year> ). Issue : This account begins reporting delinquencies at 90 days late, with no prior XXXX or XXXX notations, which is inconsistent with standard credit reporting practices.These reporting discrepancies raise clear concerns under the Fair Credit Reporting Act ( FCRA ), including but not limited to : 607 ( b ) : Duty to ensure maximum possible accuracy.

611 ( a ) : My right to dispute and request reinvestigation.

623 ( a ) ( 2 ) : Furnishers duty to correct and update information after notification of errors.623 ( b ) : Furnishers duty to investigate disputed information and report results to the bureaus.

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 2025-09-27 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 writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your reference.

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 2025-09-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FC HoldCo LLC
State: GA

Complaint narrative:
Been XXXX and was a victim of identity fraud

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 2025-09-27 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: AL

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction, but the inaccurate reporting remains, which continues to negatively affect my credit standing. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$180000.00} XXXX XXXX XXXX : {$190.00} XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX Balance : {$9800.00} XXXXXXXX XXXX XXXX Balance {$280.00} XXXX XXXX Balance : {$2400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: GA

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXXXXXX 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 2025-09-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CURO Intermediate Holdings
State: MO

Complaint narrative:
Company called me twice, first time This message for XXXX XXXX regarding your case number XXXX. Hello, my name is XXXX XXXX. I am an independent courier. I've been tasked with delivering a certified documents that are attached to your name and social security number. I am scheduled delivered to these to you tomorrow between XXXX and XXXX XXXX. If I'm unable to gain your signature at your home, then I am required to come to your place of employment. Which is where I will need your supervisor or manager to sign off as a witness. If I fail to reach you, at either of these locations, then I do have to mark you as a refusal to sign. And the proceedings will continue without you. If you would like to take any further information regarding this matter, you can cal Second time Good afternoon. This message is fully intended for XXXX XXXX. My name is XXXX. Looking to speak with either you or your legal representation. You may contact me directly at XXXX. Thank you. 



They called me in the past demanding payment, The first time I paid. This is the second time, they also calling my parent and sister, and harassing them, When I called this time they refused and to give me the company name, but after I researched it, I got there name, aars

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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:
I am writing to follow up on my previously submitted complaint regarding multiple inaccuracies, inconsistencies, and unauthorized inquiries reported on my credit file. While I appreciate the review process, I have not yet received confirmation of a full investigation or resolution of the specific issues I raised.As outlined in my initial filing, the disputed items include : Late/Closed Accounts Inaccurate ReportingXXXX XXXX XXXXXXXX XXXX conflicting open/closed reporting and late payment history.XXXX Bank XXXX. ( Ending in XXXX ) improperly reported late payment.XXXX XXXX XXXX XXXX ( Ending in XXXX ) reported charge-off without issuance of a XXXX form, with questionable accuracy regarding the charge-off date.Unauthorized Credit InquiriesMultiple inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. ) lacking permissible purpose or proper consumer authorization. 
These issues remain unresolved and continue to harm my credit standing. Under the Fair Credit Reporting Act ( FCRA ), particularly Sections XXXX ( b ), XXXX ( a ), XXXX ( a ), and XXXX ( a ), I am entitled to accurate and verifiable reporting as well as the removal of any unverifiable, misleading, or unauthorized information. Additionally, the charge-off reporting without a XXXX raises concerns under IRS regulations regarding cancellation of debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: OH

Complaint narrative:
CHASE BANK I was having issues with not being able to get on my banking app and other apps as well on my phone. I believed it was an issue with my phone so I didnt think to much about it well after almost 2 weeks I started receiving messages from my bank that charges were being disputed from my banking app. I logged on and could only see so much before the app would kick me out so I immediately called the fraud department and I was explaining to them that I had fraudulent charges on my account and they were being disputed but I was not the one disputing them as I didn't even know about it until they were disputed they wouldn't listen so I got off the phone changed my bank password and set a 2 step verification process but a little bit later started receiving about 25 texts with verification codes for XXXX so I called the fraud department again and they dismissed my concerns telling me everything was fine so just a couple hours later I began receiving threatening texts from an unknown number and they told me they had my identity sending me pictures of my state ID with someone else 's picture on it they sent me a message with my email address phone number social security number etc. They mentioned the amount of money they were upset about which proved they were in my bank account because thats the only way to know exact amounts! Turns out they were using XXXX XXXXXXXX to get my passwords as they had access to my IP address! They also called me around 16 times making threats. I filed a police report immediately and the next day went to the bank where they could pull up my account and I could see all the charges that were fraudulent! 40 charges that totaled XXXX so the bank called to have to fraud department file claims. XXXX was deposited back into my account however they denied the other amounts for XXXX dollars. I uploaded the police report to them they reopened the claims and denied them again saying I authorized theses charges!! I'm furious not only did they get all that money from me but they have my identity I had to spend the money to get a new phone since my IP address was compromised I had to change my phone number and email address and was not able to retrieve or transfer anything from the compromised device including pictures! All this and Chase bank is pretty much calling me a liar saying I don't have enough proof! I will make one final attempt before hiring an attorney to get my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: NC

Complaint narrative:
This is my 11th formal notice and dispute, and I am no longer requesting correctionI am demanding enforcement. The failure of these parties to comply with Federal Law, specifically : FCRA 15 U.S.C. 1681i ( Failure to reinvestigate ), FCRA 15 U.S.C. 1681s-2 ( b ) ( Failure to correct or delete inaccurate data ), and Metro 2 format violations ( in coding, DOFD, balance updates, and account status ), ... has caused ongoing, measurable financial harm. 

At this stage, continued reporting is criminally negligent, and these agencies are in violation of FCRA Section 618, subjecting them to civil liability, punitive damages, and regulatory action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: AL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Addresses included in data breach XXXX XXXXXX/XX/XXXX Accounts included in data breach XXXX XXXX # XXXX {$31000.00} XXXX XXXX opened XX/XX/XXXX {$180.00} XXXX XXXX XXXX opened XX/XX/XXXX {$28000.00} XX/XX/XXXX opened XX/XX/XXXX {$400.00} XXXX opened XX/XX/XXXX {$930.00}XX/XX/XXXX opened XX/XX/XXXX {$1400.00} XX/XX/XXXX opened XX/XX/XXXX {$930.00} XX/XX/XXXXopened XX/XX/XXXX {$930.00}XX/XX/XXXX opened XX/XX/XXXX {$1000.00} XXXX opened XX/XX/XXXX {$930.00}XX/XX/XXXX opened XX/XX/XXXX {$640.00} XXXX XXXX opened XX/XX/XXXX {$2000.00} XX/XX/XXXX opened XX/XX/XXXX {$930.00} XXXX XXXX # XXXX {$0.00} XXXX XXXX XXXX XXXX # XXXX {$7400.00} XX/XX/XXXXXX/XX/XXXX ref # XXXX {$0.00} Inquiries included in data breach XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: CL Holdings LLC
State: PA

Complaint narrative:
XX/XX/year> This information is inaccurate, incomplete, or unverifiable, and I am requesting that it be investigated in compliance with federal law. Under the FCRA, you are required to conduct a reasonable reinvestigation of my dispute and remove or correct any information that can not be verified as accurate. 

Submitted dispute : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Request for Method of Verification under FCRA Bank of America Account XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally request the Method of Verification used to confirm the accuracy of the account listed on my Equifax credit report with the last four digits XXXX. I recently disputed this account, and I have received a response indicating that it has been " verified '' as accurate. 
Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 7 ), I am entitled to a detailed description of how the information was verified. Therefore, I am requesting the following information : 1. The name, address, and contact information of the party or data furnisher who verified the account.

2. A detailed explanation of the method used to verify the account, including whether it was done via e-OSCAR or another automated system.

3. Any documents, records, or communications that were used in the verification process.

If you are unable to provide this information, or if the data furnisher can not verify the account with proper documentation, I demand that the account be immediately removed from my credit file in accordance with the FCRA.

Please consider this a formal request under my rights as a consumer, and respond to this request within 15 business days as required by federal law. 

Sincerely, XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: CA

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been compromised in a data breach. I discovered negative and unauthorized information on my credit report and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claims, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax data breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equifax breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : 1 ) XXXX XXXX XXXX Amount : {$32000.00} Date:XXXX 2 ) XXXX XXXX XXXX Amount : {$17000.00} Date:XXXX XXXX ) DEPT OF EDXXXX Amount : {$3500.00} Date:XXXX 4 ) DEPT OF ED/XXXX Amount : {$2100.00} Date:XXXX 5 ) XXXX  XXXX Amount : {$670.00} Date:07-06-2023 6 ) XXXX  XXXX Amount : {$110.00} Date:XXXX 7 ) XXXX  XXXX Amount : {$200.00} XXXX 8 ) XXXX XXXX XXXX Amount : {$160.00} Date:XXXX INCORRECT NAMES LISTED : 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES LISTED : 1 ) XXXX XXXX 2 ) XXXX XXXX  XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXXXXXX XXXX 6 ) XXXX XXXX XXXX XXXX XXXX 7 ) XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I had a {$28.00} XXXX Temp Auth Hold on my Cash App card. The transaction shows as Declined, but my Cash App balance decreased and the funds were never released back. XXXX never received the payment, so this is not a merchant dispute. I contacted Cash App multiple times, but they refuse to fix the issue. I am filing this complaint to have the missing funds returned to my Cash App balance. They also said i didnt have enough funds but i had $ XXXX {$5.00} over the original price. and if I didnt have enough funds, shouldnt I have got the money back to my account which I didnt. You can contact me at XXXX or XXXX or XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Radius Global Solutions LLC
State: LA

Complaint narrative:
MY CREDIT REPORT WAS DATA BREACH ALL THREE AGENY,15 USC -1681 { I } DISPUTE RIGTHS FORCE REINVESTIGATION .EVERYTHING WAS STOLEN.15 USC -1692G DEBT COLLECTOR REMOVE CHAGER OFF DELETE INQURIES 15US 1681B VIOLATION MY RIGTHS WITHOUT MY PERMISSION

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 2025-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: RI

Complaint narrative:
I have an Amex Delta credit card ( blue ). I had a large balance on the account for several months. The payment due date was XX/XX/XXXX. I paid the entire balance off on XX/XX/XXXX, which is reflected in the account activity. But then 6 days later after I had paid ur off - and 5 days after the due date- they STILL charged me interest. I called the customer service line- and the first rep said she requested a refund and it was denied. So I escalated to their next level- he also said it was denied but he would submit a request for review. He said there was some special sub-clause called trailing interest in which I would still be charged. I pointed out that I never saw that before and this violated the card member agreement I did have. 

This can not be legal. 

The card member agreement says the followmg ( pasted below )- which is not what happened when they STILL charged me the month of interest even though I paid the entire balance off by the due date. They have violated their own card-member agreement. 

Your due date is at least 25 days after the close of each billing period. We will not charge you interest on purchases if you pay each month your entire balance ( or, if you have a plan outstanding, your balance adjusted for plans ) by the due date. We will begin charging interest on cash advances and balance transfers on the transaction date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

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