vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 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: CA

Complaint narrative:
Experian is currently reporting a series of charge-off and collection accounts on my credit file that I dispute as inaccurate, unverifiable, and materially damaging to my credit profile. These include accounts from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  listed as a charge-off dated XX/XX/XXXX with a balance of {$710.00}, XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ) listed as a charge-off dated XX/XX/XXXX with a balance of {$270.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) listed as a charge-off from XX/XX/XXXX for {$24.00}, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ) reported as a collection account dated XX/XX/XXXX with a balance of {$660.00}, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) reported as a collection account dated XX/XX/XXXX for {$760.00}. 

Despite prior disputes submitted to Experian, none of these furnishers have provided adequate documentation validating the accuracy, completeness, or ownership of these accounts. There has been no itemized billing, signed contracts, or evidence that the debt was ever directly incurred by meonly vague notations of charge-offs or collections. The XXXX XXXX XXXX XXXX account is especially concerning, as I have no memory or record of any unpaid balance with them, and my prior attempts to clarify this were ignored or dismissed with a generic verified response. Similarly, the XXXX XXXX XXXX  entry, although a small amount, continues to report as a derogatory charge-off despite the fact that the balance was settled over XXXX years ago and should not remain listed as delinquent. 

Experian is required under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ) to ensure the maximum possible accuracy of all information included in a consumers file. The continued reporting of these accountswithout providing concrete evidence of their validityviolates this standard. Furthermore, Experian is also obligated under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) to conduct a proper reinvestigation when a consumer disputes the accuracy of any item. Simply confirming data through automated systems without genuine documentation from the original creditor does not meet the legal threshold of a reasonable reinvestigation. 

The presence of these accounts on my credit file has had serious consequences. I have been denied credit, subjected to higher interest rates, and endured reputational harmall based on entries that Experian has failed to adequately verify or correct despite my repeated good-faith efforts to resolve them.

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 2025-06-14 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:
Date : XX/XX/year> To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute Request for Permanent Deletion of XXXX XXXX XXXX Account ( {$2000.00} ) Dear Equifax Dispute Department , I am writing to formally dispute the accuracy and validity of the following account currently reporting on my Equifax credit report : 1. XXXX XXXX XXXX XXXX : {$2000.00} This account is being reported inaccurately and without proper verification. I have no contractual relationship or legal obligation to XXXX XXXX XXXX, and the reporting of this account constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Applicable Legal Basis for Deletion : 15 U.S.C. 1681e ( b ) Equifax is required to follow reasonable procedures to assure the maximum possible accuracy of information on a consumer credit report. The inclusion of this account, which is not legally verified or accurately attributed to me, violates this provision.

31 U.S.C. 5118 This statute protects consumers from being bound to debt obligations that lack lawful origination, enforceability, or contractual foundation. I demand full documentation supporting the validity of this debt. If no such documentation exists, the account must be removed. 

Formal Request : I am requesting that Equifax : 1. Immediately reinvestigate the XXXX XXXX XXXX account. 

2. Permanently delete this account from my credit file if it can not be verified with lawful, original documentation.

3. Block any reinsertion of the account unless fully validated per 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

4. Provide written confirmation of the outcome of your reinvestigation and any corrections made to my credit file.

Failure to comply with these federal requirements may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and additional legal action under 15 U.S.C. 1681n and 1681o for negligent or willful noncompliance with the FCRA. 

Thank you for your immediate attention to this matter. I expect a full and lawful resolution within 30 days as required by federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I requested Chase Bank to refund the cashier cheque, domestic and monthly service fees. However, cashier cheque ( 2x of {$10.00} on XX/XX/XXXX and XX/XX/XXXX ) and domestic wire ( {$15.00} on XX/XX/XXXX ) fees were approved but they were not credited back. The monthly service ( 5x {$12.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) were not refunded due to maximum amount of refunded. I was informed that the new period of fee that can be refunded would start again in XX/XX/XXXX and I can request for the fees to be refunded since the new amount of refund would start again on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Thank you for your response and for taking steps to contact the data furnishers regarding the disputed information. However, I must emphasize once again that the items in question are the result of identity theft. Therefore, I am formally requesting the prompt blocking and removal of the fraudulent accounts in accordance with the provisions outlined in Section 605B of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block - 15 USC 1681i ( 5 ) - 15 USC 1681i ( a ) 1 - 15 USC 1681i ( a ) 6 ( B ) 3 - 15 USC 1681i ( a ) ( 5 ) B 15 USC 1692A 15 USC 1692A-3 15 USC 1692A5 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than PLEASE REMOVE ALL ACCOUNTS A.S.A.P 15 U.S.C 1681 Section 602 A. State I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 USC 1681IS-2 15 USC 1692g ACCOUNTS : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Block, Inc.
State: NC

Complaint narrative:
They said that I made purchase and next thing I know my cash app account was blocked and they won't tell me why? And I use this card to pay bills keep from using my main account from another bank. And I need to know what happened and no one is telling me anything Period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: IL

Complaint narrative:
My Social Security Number was part of a data breach, and I believe this led to unauthorized use of my personal information. I did not give anyone permission to access or use my identity, but Ive since discovered unfamiliar accounts, hard credit inquiries, and other suspicious activity on my credit reports. These accounts and actions were not authorized by me. I believe I am a victim of identity theft as a result of this breach. I am filing this report to begin the process of protecting my identity, disputing fraudulent items, and clearing any damage caused.

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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is currently reporting several pieces of personal information on my credit file that are factually inaccurate, misleading, and not associated with my legal identity, residence history, or employment background. Specifically, Equifax has listed false name variations such as XXXX XXXX, XXXX XXXX, and XXXX XXXX, as well as previous addresses including XXXX XXXX XXXX, XXXX, CA XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. In addition, the credit report includes XXXX under my employment history and has previously included other unauthorized employer entries, including XXXX which I have never been affiliated with. 

I want to make it unequivocally clear that my only legal name is XXXX XXXX, my only and current address is XXXX XXXX XXXX, XXXX XXXX, CA XXXX, and I have never legally used the names XXXX XXXX, XXXX XXXX, or XXXX XXXX in any professional, financial, or government context. I have also never lived at the addresses listed above, nor have I worked for XXXX or any other employer being reported. These data points are not only inaccurate, they are harmful. Their presence has already caused adverse consequences, including confusion during credit evaluations and a recent denial for a financial product due to " identity mismatch. '' These inaccuracies appear to stem from a file merge or gross mishandling of identity data and directly violate my rights under the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681e ( b ), Equifax is legally obligated to follow reasonable procedures to assure maximum possible accuracy in the information they report. That standard has not been met. Furthermore, under 15 U.S.C. 1681i ( a ), Equifax must reinvestigate and promptly delete or correct any disputed information that is found to be inaccurate, incomplete, or unverifiable. My prior efforts to dispute these errors were met with either no correction or insufficient explanation, which constitutes a failure of compliance on Equifaxs part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: PA

Complaint narrative:
I am asking for your assistance in reviewing accounts from companies that are wrongly reporting late payments. After going over my credit report, I noticed incorrect late payment entries on some accounts. These remarks are inaccurate and should not be there. Kindly remove them and update the accounts to reflect a positive status as agreed.

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 2025-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: KY

Complaint narrative:
Cash app permanently restricted my account on XX/XX/XXXX after a friend of mine tried to send me a payment for truck repairs. I am a XXXX XXXX who only occasionally uses cash app to send and receive money while Im on the road to my kids, friends and other XXXX. Only people I know. I also buy Bitcoin and use it to purchase credits and coins on online games I play on my phone. My daughter is a lawyer and reviewed their Terms and Conditions, and I did not do anything unlawful or break the Terms and Conditions. They did not provide any clarity of breech. I have fully verified my account and personal information, and I am extremely upset about my account restriction when I have only used my account appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I am submitting this complaint to formally dispute the continued reporting of an alleged Chapter XXXX bankruptcy ( Case # XXXX ), reportedly filed on XX/XX/XXXX, by Experian. The reporting of this bankruptcy and associated accounts violates multiple provisions of the Fair Credit Reporting Act ( FCRA ). 

Key Issues : 1. No Court Furnished Data The U.S. Bankruptcy Court has confirmed that it does not furnish consumer data directly to credit reporting agencies ( CRAs ). Therefore, the alleged bankruptcy was not supplied by the original source of the public record.

2. Third-Party Scraping Vendors Experian admitted to relying on data from a third-party public record vendor ( e.g., XXXX or XXXX ) XXXX rather than the original data furnisher. This method fails the accuracy and verification standards mandated by federal law. 

Violations of the FCRA : 15 U.S.C. 1681e ( b ) Requires CRAs to follow reasonable procedures to assure maximum possible accuracy. Scraping court records from unaffiliated vendors does not meet this legal standard.

15 U.S.C. 1681i ( a ) Upon receiving a dispute, Experian must conduct a reinvestigation by contacting the original furnisher. In this case, no such furnisher exists because the bankruptcy court does not report to Experian. This renders their reinvestigation invalid and incomplete. 

Relevant Case Law : XXXX v. Equifax XXXX XXXX, XXXX. XXXX ( XXXX. XXXX XXXX ) XXXX held that reliance on third-party vendors for public record verification, without direct confirmation from the court, fails to meet FCRA standards. 

XXXX v. Experian XXXX. XXXX, XXXX *, XXXX XXXX XXXX ( C.D. XXXX. XXXX ) Found that XXXX use of XXXX to verify a bankruptcy record did not meet the legal burden of verification under the FCRA. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Affirmed that credit reporting agencies can be held liable when they fail to verify data with the original source.

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 2025-06-14 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Payfare International Inc.
State: FL

Complaint narrative:
I work for XXXX, and I had the Dasher direct account that XXXX paid us on directly after our shift ended. I use this card twice for transactions with XXXX  shipping and shipping was not completed and I asked for a refund for both of these transactions. Or at least to dispute the transactions because after I spoke with XXXX, thats what they advised me to do. Customer Service at Dasher Direct refused to let me make a dispute. I ask what the dispute options are and they gave me a list of them. I tried calling in multiple times and stating the reason for my dispute was for every single one of the reasons that they gave me of why a dispute would be possible. They declined to process the dispute every single time and hung up on me I then began calling, asking to speak with the supervisor immediately, which resulted in me being hung up on immediately as well. This happened multiple times after being hung up on at least XXXX times and also being talked to like ABSOLUTE XXXX, I gave up. Also, XXXX is no longer using Dasher Direct because Im sure they had so many problems with it and I imagine theres some sort of lawsuit from it as well. Anyway, that being said I still did not get my approximately {$300.00} and shipping back from the two transactions and Im not willing to stop trying. So Im contacting you. Im sure theres MANY other complaints out there regarding the Dasher Direct customer service that refused to file dispute and refuse to do anything related to Customer Service at all actually. I even tried contacting the parent company the bank that owned dasher direct or provided some kind of assistance to them and I couldnt get any help there either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
The following credit companies have reported inaccurate information to the credit bureaus. Here are the following companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gurstel Law Firm, P.C.
State: CA

Complaint narrative:
On XX/XX/year> I sent a US Certified Letter. To GURSTEL LAW FIRM PC. Along with email. The law firm says i owe this debt. And I asked them for foward flow agreement. CHAIN OF AGREEMENT. ORIGINAL DOCUMENTS. My Signature AGREEING to Pay. Proof of Service. And the are the owner of the debt. And how did they obtain my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: UT

Complaint narrative:
Im writing to formally dispute and demand the immediate correction of inaccurate, damaging information currently being reported on my credit file. I recently obtained a copy of my credit report and was shocked to find XXXX or more accounts listed that are completely incorrect, and I refuse to let this go unaddressed. 

Let me be crystal clear : this information is false, it does not belong on my credit report, and its presence is actively harming my financial credibility. I have never had any dealings with the creditor ( XXXX ) in question, nor have I ever fallen behind on any accounts that would justify this kind of reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have reason to believe the account being reported by XXXX XXXX XXXX is in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and XXXX XXXX XXXX XXXX I am requesting verification of the following : Proof of sale of the repossessed vehicle, including sale date, method ( auction/private ), and the sale price. A full breakdown of the deficiency balance, including how it was calculated after the sale. Evidence of proper notice of both the intent to repossess and the post-sale deficiency, as required under applicable laws. Confirmation of title transfer was notarized showing legal sale and release of ownership. Also provide : Required XXXX title fillings ( Notarized ) Proof I was allowed to attend auction to redeem vehicle. Exact date of repossession

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