vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: TX

Complaint narrative:
I am writing to formally dispute several accounts listed on my credit report. I believe these accounts may contain errors or inaccuracies that need to be investigated and corrected. Below is a list of the accounts I am disputing : 1. Account Name : DEPTEDXXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1400.00} 2. Account Name : DEPTEDXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$37000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: NC

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting.

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 


XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company 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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
claim : XXXX im victim of fraud by a merchant taking money from my account. i reported it to bank of america.the merchant acknowledge the fraud by reimbursing one of the transactions. 
bank of america failed to issue temporary credit within 10 business day even when the merchant did not reply within those 10 business day. 
bank of america did not investigate properly and refuse to defend me their customer when i was victim of this fraud siding with the merchant even if the merchant did not issu any proves or new documents babk of america still did nit reimburse after more than 50 days now. i have a letter from the merchant stating it was a fraud, a police report, a federal trade bureau report as identy theft, a XXXX XXXX  bill my phone was stolen, and occ and cfpb complain.

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 2025-11-05 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: MD

Complaint narrative:
I am writing to express my serious concern regarding the disputed accounts listed on my credit report. On several occasions, I have raised the issue of inaccuracies within these accounts and consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive a resolution or meaningful progress. These inaccurate accounts are causing significant damage to my credit file and are severely impacting my ability to lead a normal life. The negative consequences of these errors have created considerable hardship, leaving me with no choice but to urgently seek your assistance in resolving this matter. I respectfully request a detailed and comprehensive investigation into each of the disputed accounts. It is critical that immediate steps are taken to correct and update my credit report accordingly. With your support, I hope to restore the accuracy and integrity of my credit record and regain control of my financial well-being. I sincerely urge you to treat this issue with the utmost priority and act swiftly. Thank you in advance for your understanding and prompt attention.

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 2025-11-05 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BLOCK, INC. / CASH APP : FAILURE OF CUSTOMER DUE DILIGENCE ( XXXX XXXX XXXX XXXX XXXX I demand an immediate escalation regarding the XXXX XXXX XXXX XXXX {$400.00} } $ Cash App balance they have held since * * approximately XX/XX/year> * *, a period of * * over one year * *. 

XXXX As a * * loyal decade-long customer * * who verified their identity years ago, my current lockout results from the generic XXXX recovery system failing : I * * can not receive the text code * * and I * * do not have the old debit card number * *. This failure to provide a reasonable recovery mechanism constitutes * * unjust enrichment * *, as they benefit from my frozen funds. 


XXXX Cash App Support, specifically * * XXXX XXXX * *, was presented with all facts, including the duration and impossibility of the generic steps, but failed to provide any viable CDD path. The subsequent attempt to dismiss the case by assuming resolution is unacceptable. 

I require an immediate response from * * Cash App Compliance/Executive Escalations * * confirming a manual identity verification process to release my $ property totaling almost {$400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax 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 a Accounts : XXXX  XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$14000.00}, XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$13000.00}, XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$3100.00}, XXXX XXXX XXXX Account # XXXX * XXXX date opened XX/XX/XXXX bal. {$640.00}, XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$0.00}. 
Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 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 2025-11-05 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: IL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: TX

Complaint narrative:
Legal Notice and Demand for Deletion of Inaccurate Charge-Offs under FCRA 1681 et seq. and FDCPA 1692g To : JPMCB Card Services ( Chase ) Re : Account No. XXXX | Reported Balance : {$14000.00} Dear Compliance Officer, This serves as a * * formal legal notice and dispute * * regarding the reporting of the above-referenced charge-off account. I do not recognize this account, the balance, or any charge-off status as reported. The continued reporting of this tradeline violates multiple provisions of the * * Fair Credit Reporting Act ( FCRA ) * * and * * Fair Debt Collection Practices Act ( FDCPA ) * *, including : 15 U.S.C. 1681i Reinvestigation of Disputed Information 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Duty to Report Accurate Information 15 U.S.C. 1681s-2 ( b ) Duty to Investigate and Correct Upon Notice 15 U.S.C. 1681n & 1681o Civil Liability for Willful or Negligent Noncompliance 12 C.F.R. 1022.4243 ( Regulation V ) Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies 15 U.S.C. 1692g Validation of Debts I hereby demand that you conduct a full reinvestigation of this account, provide complete validation with competent documentary evidence ( including the original signed agreement, payment history, and lawful charge-off documentation ), or * * immediately instruct all consumer reporting agencies to delete this tradeline * * in full compliance with the FCRA and FDCPA. 

Continued reporting of unverifiable or inaccurate information constitutes willful noncompliance under XXXX XXXX. XXXX and exposes your organization to civil liability, statutory damages, and attorneys fees. 

If you can not provide verification within 30 days, you must delete this tradeline and confirm deletion in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: NY

Complaint narrative:
Failure to comply with regulatory complaints CFPB Regulation F ( 12 CFR 1006.30 ) : Furnishes must ensure all data reported is verified, comp0, and accurate at all times. Unverified information must be immediately deleted. 
Continued reporting without evidence is a Legal violation warranting deletion.

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 2025-11-05 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: NY

Complaint narrative:
Failure to comply with regulatory complaints CFPB Regulation F ( 12 CFR 1006.30 ) : Furnishes must ensure all data reported is verified, comp0, and accurate at all times. Unverified information must be immediately deleted. 
Continued reporting without evidence is a Legal violation warranting deletion.

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 2025-11-05 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-05 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: TX

Complaint narrative:
Equifax Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Legal Notice and Demand for Deletion of Inaccurate Charge-Offs under FCRA and FDCPA Dear Equifax, This letter XXXX as a legal notice disputing the accuracy and legality of certain charge-off tradelines reported on my credit file. I do not recognize these accounts, their balances, or histories. Pursuant to 15 U.S.C. 1681i, 1681s-2 ( a ) ( 1 ) ( A ), 1681s-2 ( b ), 1692g, and 12 C.F.R. 1022.4243, I demand a full reinvestigation and deletion of all unverified or inaccurate entries. 

The following accounts are disputed : XXXX / XXXX Acct XXXX. XXXX | Balance {$3700.00} XXXX / XXXX Acct XXXX. XXXX | Balance {$7800.00XXXX XXXX  / XXXX XXXX Acct XXXX XXXX XXXX | XXXX {$8700.00} XXXX / XXXX XXXX Acct XXXX XXXX XXXX | XXXX {$9300.00} XXXX / XXXX Acct XXXX. XXXX | Balance {$11000.00} XXXX Card Services ( Chase ) Acct No. XXXX | Balance {$14000.00} XXXX XXXX XXXX ( XXXX XXXX ) Acct XXXX XXXX XXXX | Balance {$2600.00} XXXX / XXXX DC Acct No XXXX XXXX | XXXX {$1800.00} ( Transferred/Sold ) These items do not meet the accuracy and completeness standards of the FCRA. You are required to reinvestigate and provide documentary verification of each data field. If you can not substantiate the information, you must delete these tradelines immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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 am submitting to formally dispute several inaccuracies that appear on my credit report. Upon reviewing my report, I noticed outdated, obsolete, and incorrectly reported accounts, as well as an address that is no longer associated with me. These errors are negatively impacting my credit profile and do not accurately reflect my financial history. The following information requires immediate review and correction. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Under FCRA 604 ( a ) ( 3 ), only entities with a permissible purpose may access or report my credit information. I am requesting confirmation that all parties reporting or having accessed these accounts had lawful authorization to do so.

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 2025-11-05 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: PR

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
SYNCB XXXX Synchrony XXXX XXXX. XXXX XXXX, XXXX, FL XXXXXXXX XXXX XXXX CFPB COMPLAINT SUMMARY -- - * * Creditor : * * SYNCB / CareCredit XXXX  * Account : * * XXXXXXXX XXXX XXXX Reported Balance : XXXX XXXX {$3700.00} Summary for CFPB Complaint Portal : This creditor is reporting an inaccurate and unverified charge-off account. A formal dispute and validation request were submitted under 15 U.S.C. 1681i and 1692g, but the furnisher failed to provide supporting documentation or verification. This tradeline must be deleted under the FCRA. I request the CFPB compel correction or deletion Legal Notice and Demand for Deletion of Inaccurate Charge-Offs under FCRA and FDCPA This is a direct dispute under the FCRA 623 ( a ) & ( b ) and Regulation V, 12 C.F.R. 1022.4243. You are furnishing inaccurate and misleading charge-off data that I do not recognize. I demand full validation and deletion if unverified. 

The account reported as follows : SYNCB / Synchrony XXXX Acct No. XXXX | Balance {$9300.00} Please provide full documentation, including original signed agreements, account ledgers, and charge-off accounting. If you can not verify this debt with competent evidence, you must cease reporting and request deletion from all credit 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 2025-11-05 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: LA

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: TX

Complaint narrative:
I am submitting to formally dispute certain inaccurate and misleading accounts that has been reported on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 602, 611, and 623, which outline the responsibility of credit bureaus and furnishers to ensure the accuracy, fairness, and integrity of the information they report and maintain.

Recently, while reviewing my credit report, I noticed two accounts that contain errors affecting my creditworthiness XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXXDate Opened : XX/XX/year> Date Last Active:XXXX 120 days past due XXXX XXXXXXXX Balance : {$650.00} Date Opened : XX/XX/year> Date Last Active : XX/XX/year> 60 days past due

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: TX

Complaint narrative:
I am submitting to formally dispute certain inaccurate and misleading accounts that has been reported on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 602, 611, and 623, which outline the responsibility of credit bureaus and furnishers to ensure the accuracy, fairness, and integrity of the information they report and maintain.

Recently, while reviewing my credit report, I noticed two accounts that contain errors affecting my creditworthiness XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXXDate Opened : XX/XX/year> Date Last Active:XXXX 120 days past due XXXX XXXXXXXX Balance : {$650.00} Date Opened : XX/XX/year> Date Last Active : XX/XX/year> 60 days past due

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