vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
DETAILED TIMELINE OF EVENTS XX/XX/year>, approximately XXXX XXXX  : While walking near XXXX XXXX XXXX XXXX XXXX, XXXX, IL, I encountered three individuals wearing yellow vests and displaying what appeared to be Illinois volunteer badges with official-looking documentation containing multiple signatures. 

The Deception : They solicited a {$10.00} funeral donation via tap-to-pay. I authorized only a {$10.00} payment. When they claimed the transaction " failed, '' they requested my phone ostensibly to exchange contact information for future donation opportunities. 

The Fraud : While my phone was in their possession, they responded " YES '' to Chase 's fraud verification alert for a {$2400.00} transaction without my knowledge, consent, or authorization. No contact information was actually entered, and no receipt or itemized documentation was provided for any transaction. 

Immediate Discovery : Upon returning home, I received an " Action Needed '' notification. I immediately selected " No, something's wrong '' and called Chase within minutes to report the unauthorized charge. This call was recorded and contains my contemporaneous denial of authorization for the {$2400.00} transaction. 

Note regarding initial call : In the immediate aftermath of being victimized, I may have provided incomplete or imprecise details about my card 's physical location while attempting to understand how this fraud occurred. However, the core substance of that call, my clear and immediate denial of the {$2400.00} charge, remains unambiguous and legally significant. Any confusion about peripheral details does not diminish the fact that I explicitly reported this transaction as unauthorized within minutes of its occurrence, which is the critical element under EFTA/Regulation E for establishing lack of authorization This fraud pattern has been documented in multiple XXXX news outlets with identical {$2400.00} amounts : XXXX XXXX ( XXXX XXXX  ) : Fundraising scheme swindles residents out of {$2400.00} XXXX XXXX XXXX : {$2400.00} transactions seconds apart -XXXX  XXXX community alert ( XXXX XXXX, XXXX  ) Actions I have taken : -Submitted fraud Claim to chase -Submitted a written Regulation E dispute letter to Chase. 
-Submitted a supplemental fraud documentation letter with news articles and a detailed timeline. 
-Requested all evidence Chase relied on in its denial ; Chase has refused to provide it. 

The convergence of evidence, my immediate fraud report, the documented scam pattern, the identical transaction amount, and the lack of any receipt or authorized goods/services, establishes this as a clear case of unauthorized electronic funds transfer under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 explanation
Consumer complaint received 2025-08-13 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX XXXX  XXXX - Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: CO

Complaint narrative:
I submitted the following complaint directly to studentaid.gov with supporting documentation ( see attached documents ) : My loans were forgiven as of XX/XX/XXXX. However, while forgiveness was processing, I was obligated to continue payments on my loans. I paid a total of {$2700.00} during this processing period. Once my loan forgiveness was processed, I did not receive my repayment. When I initially inquired about this, I was told I was to receive a repayment of {$460.00}. Not only have I not received this {$460.00}, this amount is not accurate as I paid a total of {$2700.00} during this processing period. I have attached my bank statements to substantiate this. 

This is what they said in response ( basically just refused to reimburse my over-payment ) : XXXX Case # XXXX XX/XX/XXXX Dear XXXX XXXX XXXX : Thank you for contacting the U.S. Department of Educations Office of Federal Student Aid. 

We have received your inquiry regarding the Federal Direct Student Loans that were serviced by XXXX. 

Your concerns, as we understand them, are regarding having your loans forgiven under the Public Service Loan Forgiveness ( PSLF ) program and you have not receive your refund for {$2700.00}, which is the total amount of payments made. 

We are pleased to inform you that your Direct Consolidation Loan has met the qualifications for forgiveness and your loans were discharged effective XX/XX/XXXX. XXXX  records reflect a {$0.00} balance. You would only be eligible for a refund of payments made XXXX XX/XX/XXXX. 

Records indicate the following payments were made on/after XX/XX/XXXX : Effective XX/XX/XXXX, in the amount of {$230.00}. 

Effective XX/XX/XXXX, in the amount of {$230.00}. 

Effective XX/XX/XXXX, in the amount of {$230.00}. 

Effective XX/XX/XXXX, in the amount of {$230.00}. 

Effective XX/XX/XXXX, in the amount of {$230.00}. 


The total amount of payments eligible to be refunded is {$1100.00}. 

Records indicate on XX/XX/XXXX, XXXX issued a refund in the amount of {$460.00}. XXXX requested to issue an additional refund in the amount of {$690.00}. 

Unfortunately, it is not at MOHELAs discretion to provide a time frame for the US Treasury to issue your refund check. 

We understand the challenges faced by public service employees. We would like to thank you for your years in public service. We are aware that loan forgiveness can have a long and meaningful impact on your life. Congratulations on receiving loan forgiveness through the Public Service Loan Forgiveness ( PSLF ) program. 

We hope this information will be helpful to you and thank you for your feedback. 

Sincerely, Federal Student Aid

Company response to consumer: Untimely response
Consumer complaint received 2025-08-13 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: Kovo
State: CA

Complaint narrative:
I am requesting the removal of XXXX fraudulent account from my credit reports with Experian, Please review my supporting documents and remove the account that was fraudulently added to my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$6000.00} XXXX XXXX XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$760.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: NC

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
SPRING OAKS CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL LL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: NJ

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge. I have never opened, authorized, or managed these accounts. This is unacceptable, as it creates false and misleading information about my financial history. I take my credit profile extremely seriously, and the presence of these unauthorized accounts has caused significant harm and concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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:
Bank errors in billing and reporting are negatively and unlawfully impacting my credit. Under the Truth in Lending Act ( TILA ), 15 U.S. Code 1666 ( b ), creditors are required to accurately record and reflect all payments and credits. Several violations have occurred : Payments I made were not properly recorded.

Reported balances contain clear calculation errors. 

I was not provided with the legally required XXXX notice before a payment due date, rendering any reported late payment invalid. 

These inaccuracies constitute a direct violation of federal law and have caused unjust harm to my credit standing.

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 2025-08-13 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: NY

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-08-13 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:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XXXX XXXX I received letter stating that I owed {$830.00} for a credit card and also started receiving phone calls. I asked for the fraud department to file a claim because I did not open this credit card. I received a denial letter on XX/XX/year> stating they reviewed statements made to my address and that payments had been made on the account. I have not received any copies of documentation used to deny claim.

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 2025-08-13 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: TX

Complaint narrative:
I have previously disputed Experian and Equifax regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-13 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: CA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Today XX/XX/2025, I received a call from someone claiming to be a XXXX Bank representative. I do not have an account with XXXX. They said there were fraudulent attempts on my XXXX account and instructed me to log in to my actual banks online portal. I was told to enter codes into my XXXX portal these turned out to be a phone number and amount {$1900.00}, which initiated a XXXX transfer to a fraudulent recipient. 

This was a scam. I was fraudulently induced to send this money. Fraudulent inducement is considered an unauthorized electronic funds transfer under the Electronic Fund Transfer Act and Regulation E. 

When I contacted my banks fraud department while the transaction was still pending, they refused to act, stating I must wait until it posted before a case could be opened. This delay removed any chance to stop or recall the funds. I am requesting full reimbursement under Regulation XXXX, a copy of the banks investigation file, and confirmation of all recovery attempts made with the receiving bank. 

I have filed reports with the police, FTC, and FBI IC3 and will provide report numbers upon request.

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 2025-08-13 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 writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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