vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 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: GA

Complaint narrative:
Upon reviewing my credit report, I discovered multiple charge-off accounts that are reported inconsistently across credit bureaus and may be inaccurate. These include : XXXX XXXX CO Account Number XXXXXXXX XXXX Balance Owed : {$0.00} Not reported on other bureaus Discrepancy : Inconsistent reporting XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$760.00} Date Opened : XX/XX/XXXX Not reported on TransUnion Discrepancy : Inconsistent reporting XXXX XXXX XXXX  Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX Discrepancy : Inconsistent reporting XXXX  XXXX Account Number XXXXXXXX XXXX XXXX Balance Owed : {$740.00} Discrepancy : Reported differently across bureaus XXXX  XXXX Account Number XXXXXXXX XXXX XXXX  Balance Owed : {$1000.00} Date Opened : XX/XX/XXXX Discrepancy : Reported differently across bureaus XXXX XXXX  Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$8300.00} Date Opened : XX/XX/XXXX Discrepancy : Inconsistent reporting XXXX  XXXX Account Number XXXXXXXX XXXX XXXX Balance Owed : {$890.00} Date Opened : XX/XX/XXXX Discrepancy : Reported differently across bureaus XXXX  XXXX Account Number XXXX XXXX XXXX Balance Owed : {$810.00} Date Opened : XX/XX/XXXX Discrepancy : Inconsistent reporting XXXX  XXXX Account Number XXXX XXXX XXXX Balance Owed : {$510.00} Date Opened : XX/XX/XXXX Discrepancy : Reported differently across bureaus XXXX XXXX XXXX Reference # XXXX Court : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Discrepancy : Not reported on other bureaus These discrepancies violate my rights under FCRA 611 ( 15 U.S.C. 1681i ), which gives me the right to dispute any inaccurate information and request a reasonable reinvestigation. The inconsistent reporting across bureaus creates confusion and undermines the accuracy of my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Parties Involved : Victim ( s ) : XXXX XXXX and XXXX XXXX Perpetrators : Unknown scammers using a spoofed Chase Bank phone number. 
Bank : JPMorgan Chase Bank, N.A. 
Incident Timeline : XX/XX/year> XXXX  XXXX XXXX  : Scammers impersonating Chase Bank contacted victims via spoofed number. They claimed to be preventing internal fraud at Chase and instructed victims to transfer funds to a perpetrators Chase account as part of a supposed fraud trap. 
Victims transferred {$42000.00} from checking and savings accounts. 
Scammers instructed victims not to notify police, Chase, or third parties, which raised suspicion. Victims then contacted Chase the same day, filed a case with XXXX XXXX police, and reported to the FBI and government agencies. 
Bank Action : XX/XX/XXXX : Victims informed Chase in person at a branch. Chase employees traced the funds and contacted Chase XXXX, NJ branch, recovering approximately half the amount. Chase employees informed victims that they intercepted half of the fund, while other half was withdrawn on Sat XX/XX/XXXX. 
Chase initially assured victims the remainder would be returned but later refused. 
Chase stated they could only release perpetrator information to police upon subpoena. 
Subsequent Developments : 1. Chase claimed it had frozen the scammers account, but later closed the investigation without refunding the remainder. 
XXXX. Victims later learned Chase actually released funds to the perpetrator after XX/XX/XXXX, despite being warned and provided with proof ( including video evidence ). 
XXXX. XXXX complaints filed with Chase were denied. 
Current Status : Case referred to XXXX XXXX case # XXXX. 

Victims request Chase to at least refund the funds that were knowingly released to the perpetrators account after Chase had been alerted and provided evidence on XX/XX/XXXX. 
Legal Issues : Possible Chase bank negligence in failing to safeguard funds after explicit notice of fraud. 
Potential breach of fiduciary duty and failure to exercise due care once Chase had knowledge of the scam. 
Victims have standing for claims relating to : o Recovery of unreimbursed losses. 
o Damages for Chases mishandling after XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diaz & Associates, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I discovered a debt collection account from Diaz & Associates , Inc. on my credit report in the amount of {$230.00}, allegedly owed to XXXX. I do not recognize this debt and have never received proper validation. 

On XX/XX/year>, I mailed Diaz & Associates a written request for debt validation under the Fair Debt Collection Practices Act ( FDCPA, 15 USC 1692g ). They have not provided sufficient documentation proving I owe this debt or that they have the legal right to collect it. Despite this, they continue to report the account to the credit bureaus, which is harming my credit. 

I dispute the validity of this debt in its entirety and request that Diaz & Associates either provide full validationincluding proof of ownership of the debt, an itemized accounting of the balance from the original {$150.00}, and the original signed agreementor immediately remove the account from all credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am filing this complaint against Transunion for their continued reporting of a XXXX  XXXX Bankruptcy ( Ref : XXXX ) on my credit reportdespite the fact that I have never filed for bankruptcy in my life. This is not only a gross inaccuracy, but it also violates multiple provisions under the Fair Credit Reporting Act ( FCRA ), including 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] and 607 ( b ) [ 15 U.S.C. 1681e ( b ) ].

I previously submitted a formal dispute regarding this inaccurate entry, yet Transunion failed to conduct a meaningful or lawful reinvestigation. They did not contact the original source of the bankruptcy claim nor provide any documentation verifying its accuracy. Their handling of the dispute shows noncompliance with the FCRAs requirement to conduct a reasonable reinvestigation.

Transunion appears to rely solely on automated systems such as e-OSCAR rather than performing an actual manual review of disputed items or original records. This kind of automated verification process is insufficient under the FCRA, and can not meet the standard of a 'reasonable ' reinvestigation.

Further, under FCRA 607 ( b ), Transunion has a legal obligation to ensure the maximum possible accuracy of the information they report. Maintaining a false bankruptcy on my record, with no documentation or proper validation, is a clear and damaging violation of that duty. This error has harmed my credit reputation, caused XXXX XXXX  and denied me access to financial opportunities. 
I am also aware that In light of the XXXX CFPB enforcement action ( CFPB & FTC v. TransUnion ), in which your agency was fined {$23.00} XXXX for systemic reporting failures, I hereby request that my dispute be handled with due diligence and in full compliance with federal law. My experience is consistent with those systemic issues and shows these practices are still ongoing. 
I am requesting the CFPB to require Transunion to immediately delete the inaccurate bankruptcy from my credit report, issue a full explanation of their investigation process, and hold them accountable for violating my rights as a consumer. If necessary, I am prepared to pursue compensation for damages under FCRA 1681n and 1681o.

I have attached my formal dispute letter dated XX/XX/XXXX 2025, which further outlines my concerns and demands. I respectfully ask the CFPB to investigate this matter and enforce compliance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Velocity Portfolio Group
State: WA

Complaint narrative:
XXXX XXXX XXXX This company threatening to sue me over debit u have no idea off. According to law company must provide proof I owe them such money therefore they are using threatening act to get money out of me. I do not owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
Identity theft, too many inquiries and accounts open in my name that I didnt open

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: AR

Complaint narrative:
I submitted a formal dispute to TransUnion, Equifax, and Experian under FCRA 611 ( 15 U.S.C. 1681i ) regarding unauthorized hard inquiries, inaccurate addresses, and unverifiable account information on my credit reports. My dispute included supporting documentation such as an FTC Identity Theft Report ( XXXX XXXXXXXX ), proof of identity, and a letter clearly identifying the disputed items : 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 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 Balance : {$670.00} Despite this, the credit bureaus failed to properly investigate or remove the disputed information within the required 30-day period. The following items remain on my report : Unauthorized inquiries from XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX Inaccurate addresses Ive never lived at Unverified collection and charge-off accounts that I did not open or authorize The failure to conduct a timely and reasonable reinvestigation is a direct violation of my rights under FCRA 611 , and it has caused ongoing harm to my credit profile and financial wellbeing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I received an insurance disbursement for a fire which I sent to Shellpoint Mortgage. Shellpoint Mortgage has repeated and unjustified delayed issuing my a disbursement causing delays in the start the re-construction work. Shellpoint has made false claims Including claims of missing information when in fact they received all the relevant information. There are clear signs of miss handling, neglect and retaliatory actions that must be corrected. I have called over XXXX times and requested calls back from a supervisor and from the claim department, each time I was told someone will call me back within 48 hours, yet not once did I ever receive a call back. They have been unwilling to communicate or provide me updates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have been paying for Experian Premium since XX/XX/year>, but I have been unable to access my full credit report. The last time I successfully viewed it was in XX/XX/year>. Since then, Experians system only shows me my score and advertisements for additional services, but it does not allow me to view or download my complete credit report. I also attempted to pull my report through XXXX, but that failed as well. 



Because of this, I have been denied credit and have had credit card issuers lower my credit limits, which has caused real financial harm. I am entitled to my report under the Fair Credit Reporting Act, and I am also paying for a Premium service that I can not use

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 monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.

Complaint narrative:
I opened my account on XXXX XXXX XXXX at Citibank N.A. branch ( XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX ). 
In XX/XX/XXXX, I informed my bank that I'm leaving the XXXX for XXXX to work with the XXXX XXXX but I want my account to stay active in order for me to receive my lumpsum and others payments. I used my debit card in XXXX, XXXX XXXX and XXXX XXXX until summer XXXX. XXXX day I tried to buy a flight ticket when I was in XXXX XXXX XXXX and it didn't went through ; On my way to XXXX I made a stop in XXXX, XXXX I used my card there and it didn't worked. In XXXX when trying to use it it was locked ; and my account frozen ; I booked many video call with XXXX XXXX, through the app ; he never showed up at thoses appointments. In XX/XX/XXXX I received an email through Citibank app telling that my account is inactive and action I need to take. Itried to get an appointment with the embassy but I didnt get it because the was working in limted capacity. On XX/XX/XXXX I got the notharized document and mailed it to the correct address. After that I requested a new debit card through the app. Once the card was produced, they locked my online access ( they said due to multiple failed sign-on attempts ). I received the debit card in XXXX but they didnt send my PIN code. With the app I have XXXX XXXX activated but they made it impossible for me to reset my password to access my online profile either with XXXX XXXX. I cant also sign on with my 6-Digit PIN. 
On XX/XX/XXXX XXXX sent me an email asking to send the proof of my source of wealth. I sent it all. They finished there review without any feedback. I asked my account to be unlocked and the y replied that their inbox is used only for XXXX  pupose without any suggestion on whom I should direct my request by email ; until today I dont have any email to reach out and I dont have access to my online profile and I cant use my debit card. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Upstart Holdings, Inc.
State: GA

Complaint narrative:
Upstart Loan Operations has contacted me by phone also via text, despite my lack of consent to be contacted this way. On XX/XX/year> and XX/XX/year>, I received calls, robot calls, and voicemails from XXXX, in which an agent named XXXX identified himself as calling from Upstart Loan Operations and requested that I call back at XXXX. I have attached screenshots and transcripts of these calls as evidence. 

These actions violate my consumer rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c, 1692d ( 5 ) ), which prohibit repeated or harassing calls and calls made without consent. These contacts have caused me stress and inconvenience, and I consider them unlawful debt collection activity. 

I request that the CFPB investigate Upstart Loan Operations, order them to stop all phone contact with me, and award {$5000.00} in damages ( {$1000.00} per violation plus compensation for distress ) for their repeated violations of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diaz & Associates, Inc.
State: CA

Complaint narrative:
On XX/XX//2025, I discovered a debt collection account from Diaz & Associates , Inc. on my credit report in the amount of {$3700.00}, allegedly owed to XXXX. I do not recognize this debt and have never received proper validation. 

On XX/XX/2025, I mailed Diaz & Associates a written request for debt validation under the Fair Debt Collection Practices Act ( FDCPA, 15 USC 1692g ). They have not provided sufficient documentation proving I owe this debt or that they have the legal right to collect it. Despite this, they continue to report the account to the credit bureaus, which is negatively impacting my credit.

I dispute the validity of this debt in its entirety. I request that Diaz & Associates either provide full validationincluding proof of ownership of the debt, an itemized accounting of the balance, and the original signed agreementor remove the account from all credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
Got a call from a phone number in the attachment. They claimed they were with the " Chase XXXX Department ''. They told me someone by the name of " XXXX XXXX '' was making online purchase in Texas with her " IPhone XXXX ''. They gave me the beginning of my debit card number. They told me to switch my saving into my checking account. And to send it via XXXX to the number attached n mark it as my name and number. Once I did he said it would take time in 3 minutes or so. Then changed it to 2 days. I called the number back and he began mocking me. I reported it to Chase and labeled it as a fraud. I also have more screen recordings as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: NE

Complaint narrative:
I keep reaching out to cash app about them closing my account when I havent done anything. Every new account is closing. I want something done because Im on the verge of sueing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: IL

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Post Lake Lending Inc.
State: CO

Complaint narrative:
In XX/XX/XXXX I took a loan with this company. Before settling everything in the call I had with the advisor, he told me about XXXX payment options, and I requested option number XXXX. The advisor told me there was no problem, and I also requested that the payment be made every XXXX weeks, which they never fulfilled. They started charging a fee of USD XXXX every week, and when I called on XX/XX/XXXX, they told me I still owed more than the amount borrowed since they only charged interest and never applied any payment to the debt. Therefore, after they have withdrawn {$5700.00} from my account, I still owe the total loan amount. They did not respect what was agreed upon in the call, and what they are doing is usury.

Company response to consumer: Closed with explanation