vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Received text on Saturday, XX/XX/XXXX from what appeared to be Chase ( my bank ) asking if I had authorized a certain {$2000.00} XXXX payment ( reply Y/N ) I replied ( N ) Immediatley received a call from that same number that appeared to be a legitimate Chase customer service call. They instructed me how to transfer {$2000.00} back into my account using XXXX but through the Chase app on my phone. 

Instead, they transferred {$2000.00} out of my account to XXXX XXXX at XXXX but I didn't realize this until two days later. Everything about the call seemed legit. 

This was on the heels of multiple {$8.00} charges to my account from an unknown source which resulted in cancelling my debit card and issuing a new one. But the new one was compromised before it was even mailed to me. Had to get a third one. - Seems like XXXX is having some security issues, at least with my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/2025 Equifax P.O. XXXX XXXX, XXXX, GA XXXX Subject : Dispute of Negative Accounts Due to Data Breach Dear Equifax, I am writing to formally dispute the negative accounts listed on my credit report due to a recent data breach involving XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX. My name is XXXX XXXX, and my Social Security XXXX is XXXX. 

Due to the nature of this data breach, I am requesting that all negative accounts associated with my credit report be removed within three days as stated under Section 605B of the Fair Credit Reporting Act. I believe that these negative accounts are a result of fraudulent activity stemming from this breach, and I have taken steps to secure my personal information. 

I kindly ask for your prompt attention to this matter and the necessary action to rectify my credit report. Please confirm the removal of these negative accounts and provide me with an updated copy of my credit report. 


I discovered that my credit report contains an account that I did not open.. This inaccurate information has negatively impacted my credit score and ability to secure loans. I am requesting a thorough investigation into this matter and correction of my credit report immediately. I contacted the Equifax and the agent wasnt knowledgeable about Section 605B Feel free to adjust the wording to match your experience! 

Thank you for your immediate attention to this urgent matter. 

Sincerely, 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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently was going over some inaccuracies and dispute that I have on my Trans Union credit report and I did not authorize nor do I recognize and I am wondering why these are reporting on my credit report there is an account for milestone jewelers that I would like updated to PAANL status paid as agreed never late. I also have a Missouri higher education late payment that I would like updated to PAANL status if you can not provide me with the documentation as stated in my dispute letter, either upgrade these accounts or permanently delete them from my credit file and ask for this XXXX in trade collection account I want it permanently deleted from my report as well, if you can not provide me with the documentation as stated in my dispute letter which has been uploaded to the CFPB as well as my FTC identity report

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 2025-04-29 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: FL

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: AZ

Complaint narrative:
Original debt was {$3100.00} There was an agreement and settlement with XXXX XXXX XXXX for the amount of {$2000.00} Payments have been done every month for the past XXXX months as agreed. 
Discover still showing on all of my credit reports agencies as I owe the full amount

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
A person called me from a Bank of America phone number and said somebody had been trying to get there medications paid and I need to close my bank account and reopen another accoun.I was sick on that day and went through the process and XXXX minutes later called the bank back and they said the bank didnt call me or do this.Ive contacted the bank and requested to do a investigation all they gave me is the name of the bank that withdrew the money and transferred me to different departments.My money should be more secure off this was a credit union this wouldnt have went through without them do a second or third confrontation to make sure the funds should be XXXX also did a police report but Bank of America XXXX XXXX give any information or refund my money these scammers need to be stopped and the bank is also covered under insurance for incidents like this.The amount was {$3600.00} and it needs to be returned and answered for.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-29 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: CT

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I tried to file a dispute with trans union, and they were not very helpful when I saw that XXXX XXXX was still saying I owed a balance that was paid off XXXX XXXX. I got documents and letters from XXXX XXXX  saying they were paid off and I verbally talked with two associates regarding my old account. I was then told my account was closed off, and my credit will be updated in 22 days, which was not updated by then. If there is a way we can solve this problem, I would greatly appreciate it.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fig Tech Inc.
State: TX

Complaint narrative:
I am submitting this complaint against Fig Loans Texas LLC for reporting inaccurate and unverified information to the credit bureaus. I disputed this account previously with the credit bureaus, but they verified the information without providing any documentation to support the reporting. 

Under the Fair Credit Reporting Act ( FCRA ), Fig Loans is required to conduct a reasonable investigation and maintain accurate records under 15 U.S.C. 1681s-2 and 1681e ( b ). I requested supporting documentssuch as a signed agreement, payment breakdown, and account historybut have received no response.

Without proper verification, this account should not be reported. I believe this may be a fraudulent account, and Fig Loans failure to verify it or respond directly is unacceptable.

I am requesting that this account be removed from all credit reports and that all future communication be submitted through the CFPB portal only.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Im not able to log in my experian portal due to the fact of me not have that email or phone number anymore. 
I need this because Im trying to build my credit up and without me be able to log in I cant due so. 
My email is XXXX Number : ( 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 2025-04-29 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: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

The following inquiry was not and should not be reporting. 
TransUnion Inquiries XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-29 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: NJ

Complaint narrative:
I am writing to formally dispute multiple inaccurate and derogatory accounts listed on my TransUnion credit report. The following accounts are being reported in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. These entries contain factual inaccuracies, unverifiable derogatory data, and reporting inconsistencies that are damaging my credit profile. 

XXXX. Account : XXXX * * Credit Card * * Issue : Account shows two 30-day late payments but is currently Open and Current with no valid proof of delinquency Violation : FCRA 611 ( a ) requires that any derogatory item must be fully verified and accurate.

Metro 2 Concern : Late payment status reported without date-specific breakdown and no detailed account ledger Request : Remove all late payments or delete account if verifiable documentation can not be provided XXXX. Account : XXXX XXXXXXXX XXXX XXXXXXXX * * * * Issue : Account shows five 30-day late payments and was previously in dispute. 
Status reads Dispute resolved; reported by grantor, but no documentation or method of verification was ever disclosed Violation : FCRA 611 ( a ) ( 7 ) : Failure to provide method of verification FCRA 623 ( a ) ( 1 ) ( A ) : Data must be accurate and complete Request : Remove the late payments or provide full breakdown from original creditor with method of verification used 3. Account : XXXX XXXXXXXX * * * * Issue : This account reports multiple derogatory statuses ( 30, 60, 90, and 120 days late ), and also states Canceled by credit grantor Violation : Reporting is conflicting, and there's no clear documentation showing the months the late payments occurred FCRA 611 and Metro 2 require clarity, accuracy, and consistent data formatting Request : Remove all derogatory data or provide original contract/payment history showing the alleged delinquency dates XXXX. Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : This account reports as a charge-off with a {$250.00} balance, no monthly payment listed, and a vague profit and loss write-off comment Violation : FCRA 623 : Incomplete data ( no terms, no activity pattern, no creditor communication ) No legal documentation has been provided to show this balance is valid or collectible Request : Delete account entirely if full validation and ledger can not be provided FINAL DEMAND I am formally requesting a reinvestigation of all listed accounts per FCRA 611 ( a ). If TransUnion and the furnishers can not verify the accuracy of these items through documentation from the original creditors, these accounts must be permanently deleted.

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 2025-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and protected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc.
State: SC

Complaint narrative:
ONLINE INFORMATION SER XXXX # I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account XXXXXX/XX/XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: AR

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX I was a victim of identity theft. I have a police report and it is reported. Also I was never aware of this debt and never had the opportunity to dispute it until it appeared on my credit report. If you believe you sent proper notification please provide " certified mail '' with receipt displaying my signature. Please delete account as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: CT

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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