vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX XXXX : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX To whom it may concern : I am asking you to review your data on file for me and to ensure that it is accurate and complies with the Fair Credit Reporting Act ( FCRA ) and METRO 2 compliance standards. I challenge any inaccuracies or deficiencies in the reporting, and I require the permanent removal of any inaccuracies immediately. I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile. 




XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : The IRS considers most forms of forgiven, canceled, or settled debt as income for tax purposes. If the amount of your canceled debt is more than {$600.00} and is considered taxable, the lender must send you a Form 1099-C, which includes the canceled amount you must report.

You XXXX have reported this account as a charge/collection and are violating the Fair Credit Reporting Act 15 USC 1681.

15 USC 1681e ( b )

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 2025-07-25 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: GA

Complaint narrative:
I am writing to formally dispute several items on my Experian credit report, which I reviewed on XX/XX/XXXX. The following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and should be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Upon review of my credit report, I noticed several inaccuracies and incomplete information. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( e ) ( b ), whenever a consumer reporting agency prepares a report, it is legally required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in the report.

Additionally, per 15 USC 1681i ( 5 ), if any information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency is obligated to either promptly delete or modify that information and notify the furnisher of the data accordingly.

Furthermore, according to 15 USC 1681s-2, a person or entity may not furnish information to any consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate.

As such, I am requesting the immediate deletion of the unauthorized, fraudulent accounts listed above from my credit report. These accounts have caused undue harm to my creditworthiness and violate my rights under the Fair Credit Reporting Act.

Please correct my report in accordance with the law and promptly provide me with an updated copy of my credit file.

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 2025-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Hello, I funded my XXXX  account with {$2500.00} using my debit card ( ending in XXXX ) on XX/XX/XXXX, bought some XXXX, and was about to transfer it out to an address I've transferred to several dozen times in the past 2 years using XXXX. 

However, they flagged my account for suspicious activity and asked for statements for the payment methods linked to my account ( XXXX debit card ending in XXXX, XXXX bank account ending in XXXX ). I sent them the statements for my card and my bank account, but then they asked for the statement for a debit card I already unlinked from my account in XX/XX/year> ( ending XXXX ). 

This XXXX debit card is linked to a checking account that I closed in 2023, and I had unlinked it from my XXXX account in 2023. I don't have any statements for this card anymore, and I have explained this to XXXX customer reps, but they keep insisting on having a statement dated in the past 60 days. I have called my bank and reached out to them online, and they've stated they can't send me a statement since the card has been closed for XXXX years. 

Every few weeks, I only make XXXX types of transactions on my XXXX account : XXXX ) XXXX from the debit card ending in XXXX. 
XXXX ) XXXX XXXX ; XXXX ) Transfer to the same XXXX wallet. 

This is the second time this year they've flagged my account for " suspicious activity '' even though I'm doing the same thing I've always done on my account. Now, we're at an impasse because they're restricting my account until I send them a recent statement for a card that I've closed and unlinked from my account for 2 years. 

My XXXX case ID is XXXX and my account email is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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:
These entries were fraudulently opened and do not belong to me. Ive already provided the FTC Identity Theft Report and proper supporting documentation. Under FCRA Section 605B, these accounts must be blocked and deleted. The continued reporting of this fraudulent information is unlawful. Please act immediately to remove these items from my credit file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was the victim of a scam involving business impersonation. On XX/XX/year>, someone pretending to be my manager instructed me to purchase gift cards using my Chase debit card of {$400.00}, claiming it was a surprise to my team. I believed it was legitimate, completed the transaction, and only later realized it was a scam. The gift cards were drained by the time I discovered this. 

I contacted Chase immediately about the transaction, they told me I would have to wait until the transactions get posted to continue to dispute. 

I was socially engineered and deceived under false pretenses. I did not authorize this charge with full knowledge of the scam- it was induced by manipulation and impersonation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This bankruptcy does not belong to me. I have never filed for bankruptcy, and this appears to be a case of identity theft or a reporting error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: NC

Complaint narrative:
I am filing this complaint because Equifax has failed to remove a fraudulent XXXX account from my credit report, despite multiple disputes and written confirmation from XXXX that the account is not mine. 

Over a year ago, I identified the XXXX account as fraudulent and promptly filed a dispute with Equifax. XXXX conducted an investigation and confirmed in writing that the account was opened without my authorization and should be removed. They also assured me that they had notified Equifax to delete the account. 

Despite this, Equifax continues to report this account, which is damaging my credit profile and causing me emotional distress and financial harm. I have submitted XXXX  fraud confirmation directly to Equifax multiple times, and I have followed all proper dispute procedures, yet Equifax continues to ignore the evidence and uphold inaccurate reporting. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to conduct reasonable investigations and delete information that is found to be inaccurate or unverifiable. Equifaxs failure to act on verified documentation and remove fraudulent data from my report is negligent, unacceptable, and unlawful. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter immediately, compel Equifax  to permanently delete the fraudulent XXXX account, and ensure they cease all future reporting of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I filed formal disputes with [ XXXX/Equifax/TransUnion ] regarding inaccurate and unverifiable accounts. The bureau failed to validate or remove the items within the 30-day window mandated under FCRA 1681i. I also received no documentation or explanation of the method of verification. This noncompliance has negatively impacted my creditworthiness and prevented me from qualifying for an FHA mortgage. I am requesting immediate deletion of the disputed items and 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 non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: MD

Complaint narrative:
I was misled into accepting a loan under false payment terms by MaxLend. When I applied, I asked what the monthly payment would be, and I was told it would be $ XXXX. Based on that, I agreed to the loan. 

However, after signing, I was provided a separate document showing the payment was actually {$470.00} bi-weekly, which totals $ XXXX more than double what I agreed to. 

When I contacted customer service through their website to dispute this, they immediately terminated the chat session after I brought up the issue and mentioned legal action. I was not given any resolution, and their payment system was also not functioning properly. I have a screenshot of the chat showing my complaint and their abrupt disconnection. 

This is a clear case of misrepresentation and deceptive lending practices, and I am requesting a full investigation and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: PA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-25 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: CA

Complaint narrative:
This letter serves as my formal notice of dispute concerning certain account listed on my credit report that I believe was accessed or reported without a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b.

Under the FCRA, a consumer reporting agency may furnish a consumer report only under specific, lawful purposes listed in 1681b ( a ). Any entity that accessed my credit file without my authorization or without a valid legal reason has done so in violation of this federal law.

Upon reviewing my credit reports, I found entries that I did not authorize, nor did I initiate any transaction that would justify such access. These unauthorized entries violate 1681b ( f ), which prohibits users from obtaining a consumer report without a permissible purpose.

Legal Precedent : In the case of Sterling v. Mercantile Adjustment Bureau , LLC, 2010 WL 4941456 ( W.D.N.Y. ), the court ruled in favor of the plaintiff, stating that a credit report pulled without a valid permissible purpose under FCRA constitutes a willful violation, which is actionable. 

Furthermore, multiple credit bureaus were defendants in recent lawsuits filed in XXXX for re-reporting or permitting access to consumer reports after the accounts were removed, which is also considered a willful disregard of consumer rights. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I am disputing a XXXX XXXX collection item reported by the U.S. Department of Education. XXXX  responded to a previous CFPB complaint stating they do not service the loan and that it was transferred from XXXX University to the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. However, I have never received full validation of this debt, including the original date of default, signed agreement, or payment history. 

This loan XXXX also exceed the XXXX FCRA reporting limit. The FCRA XXXX limit starts from the date of default, not from when it was transferred or reported. 

I am requesting that the CFPB assist in compelling the XXXX to fully validate the debt or remove it from my credit reports. The attached XXXX letter demonstrates their inability to verify or resolve my dispute. I am not seeking legal representation only my right to accurate, verifiable reporting under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am writing to file a complaint about unauthorized transactions from my Chase bank account that are related to a cryptocurrency platform. 
On XX/XX/2025, I found out that someone had accessed my account without my permission and made payments totaling {$2000.00} to a crypto-related account. I did not make or approve these transactions. I believe my account was hacked. 
As soon as I saw the charges, I contacted Chase and went to a branch in person to report the fraud and ask them to cancel the payments. However, Chase refused to stop the transactions and said they would just investigate the matter.

Later, Chase told me that because I had an account with the crypto platform in the past, they would not refund my money. The crypto company gave some information showing I had an account, but not all the details matched for example, the phone number was different. Still, Chase said that was enough to deny my request.

I no longer have access to that crypto account. My email and phone number were changed without my permission, and I cant log in. Its clear that someone stole my identity and used it to access both the crypto account and my bank account.

Even though I acted quickly and reported the fraud, Chase has refused to return the money or help me further. I also asked for a copy of the recorded phone call where I told them to cancel the transactions, but they said the recording is only for internal use. 
This back-and-forth has gone on for over XXXX months with no results. I feel that XXXX response is unfair and unacceptable, and that they did not protect me as a customer. I took all the right steps, but XXXX still being held responsible for something I didnt do. 
I am asking the Consumer Financial Protection Bureau to review this case and help make sure that Chase is held responsible for not protecting my account or handling my complaint properly. 
Thank you for your attention to this matter. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
The following accounts were fraudulently opened or abused without my involvement : XXXX. XXXX XXXX XXXX Routing # : XXXX Account # : XXXX Contribution Ref # : XXXX Incident Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Contribution Ref # : XXXX Incident Date : XX/XX/XXXX XXXX. XXXX Routing # : XXXX Account # : XXXX Contribution Ref # : XXXX Incident Date : XX/XX/XXXX These accounts were not opened or authorized by me, and I had no knowledge of their existence until reviewing my consumer file. The addresses, phone numbers, and email addresses associated with these accounts are not mine, and they reflect fraudulent activity and unauthorized use of my identity. 

Under the Fair Credit Reporting Act ( FCRA ), I am demanding that Early Warning Services : Immediately investigate and delete all fraudulent entries from my file. 
Provide a written confirmation of deletion. 
Send an updated copy of my file to confirm removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: FL

Complaint narrative:
So the problem is that I didnt receive any type of notice that I have debt not from my old building which appears as the original creditor XXXX and IQ XXXX the debt collector. Its not fair because I havent received any information that I have a debt or something that I own, not any email not call not message not mail. I havent been informed about this debt I dont even know what it is about. I just know is front XXXX because my credit went down XXXX points so I checked my credit record and It appears this debt with IQ XXXX which I was not informed about. So Im upset because I should have received at least an initial warning or something but I havent received any information and now this is affecting my credit really bad and I dont even know what is the debt about because they have never sent me any information about it. I just want to solve this issue the best possible. Down I inserted picture of the debt collection that I dont even know what is about I just know it comes from XXXX because their name appears there and the last photos are my emails to show I havent received any email from IQ XXXX or XXXX XXXX that debt

Company response to consumer: Closed with explanation