vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was scammed by a fraudulent investment platform under the name XXXX XXXX who claimed I had made over {$360000.00} in investment profits. However, they refused to release my funds unless I first paid " taxes and fees. '' I transferred a total of over {$75000.00} to the scammers using both XXXX and wire transfers through Chase and XXXX XXXX XXXX. 

Details : - {$2000.00} via XXXX to XXXX XXXX ( XX/XX/year> ) - {$69000.00} via domestic wire to XXXX XXXX ( XX/XX/year> ) - {$3000.00} via XXXX to XXXX XXXX ( XX/XX/year> ) After I realized I was scammed, I * * immediately contacted XXXX to report the fraud and requested action to reverse or investigate the transactions * *, especially the large wire transfer. However, Chase told me there was " nothing they could do, '' and they quickly closed the case without any effort to trace or recover the fundseven though the recipient accounts are held in US banks.

I believe Chase failed to conduct due diligence or take appropriate steps to help me, a victim of a serious financial crime that may involve wire fraud, money laundering, or international scam operations. I am seeking a full investigation into these transactions and requesting reimbursement or recovery of the funds I lost using their banking services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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 complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : 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 

Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST PORTFOLIO SERVICING INC
State: OR

Complaint narrative:
They keep calling me and asking me questions about my social security number and where I live at and then tried to bill one of my cards without my permission for XXXX I blocked their account and then froze my card and they are still harassing me out of XXXX XXXX California with the credit name of TotalVisa

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Midwest Fidelity Services, LLC
State: CA

Complaint narrative:
Constant phone calls and text messages since XX/XX/scrub>XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX  XXXX XXXX Balance : {$310.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am submitting this complaint because XXXX XXXX is inaccurately reporting late payments on my mortgage account ( account number ending in XXXX ). These late payments occurred while I was enrolled in an approved loan modification and hardship assistance program with XXXXXXXX XXXX. I was following the terms of the agreement during that time, so these late payments should not have been reported under the Fair Credit Reporting Act ( FCRA ) and CFPB guidelines.

I disputed this issue directly with Experian, requesting that the late payments be corrected, but Experian responded that the account would not be changed and would remain on my credit report. XXXX XXXX  also has not provided any proper verification or correction.

As a result of this inaccurate reporting, I was denied a home loan with XXXX XXXX  on XX/XX/2025. The denial letter clearly shows that my credit report specifically delinquent accounts and a collection reporting was the reason for the denial. This inaccurate reporting is directly impacting my ability to secure housing for myself and my family.

I am requesting that XXXX XXXX immediately correct this reporting by removing the late payments that occurred during the loan modification period and that the credit bureaus update my credit report to reflect the accurate status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
I am filing a complaint regarding a PayPal account that has a balance of {$770.00}, which has been held for over XXXX  days. According to PayPals own policy, funds are supposed to be eligible for withdrawal after the XXXXday limitation period. However, despite this time passing, I have not been able to access or withdraw the funds. 

I contacted PayPal customer support several times regarding this issue. Each time, I was either given vague responses or told the funds were still under review, without clear reasoning. The last time I reached out was last month, and I still have not received a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I, was trying to receive money from zelle and the sender was told they can only send a small amount at a time, they really didn't explain why.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : 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 non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am sending to formally dispute and address a late payment that has been reported on my credit file in connection with the items listed below. This late payment is negatively impacting my creditworthiness, and I respectfully request a prompt review and correction under the relevant provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-28 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: DISCOVER BANK
State: TN

Complaint narrative:
Formal Demand for Correction of Inaccurate Credit Reporting Under FCRA 609, 611, 623 and XXXX XXXX  Compliance Standards * * Dear Credit Bureau, Under the Fair Credit Reporting Act ( FCRA ) Sections 609, 611, and 623, I hereby formally dispute inaccuracies, unverifiable information, and non-compliant reporting on my credit profile. The following items violate federal law, XXXX XXXX Compliance standards, and the XXXX XXXX XXXX XXXX guidelines. I demand immediate correction, deletion, or updating of all disputed entries to reflect 100 % payment accuracy and compliance with paid as agreed, never late statuses Specific Disputes & Required Actions include Account # XXXX Account # XXXX, Account # XXXX ) Account # XXXX XXXX  Incorrect Derogatory Status These accounts are CLOSED but yet it inaccurately reports Missed Payments as of XX/XX/year> ON MY ACCOUNT HISTORY. Post-closure derogatory reporting violates Payment History Errors The Ledger shows a Late mark conflicting with subsequent Current statuses. All payments were made * * on time ; failure to reflect this violates FCRA 623 ( a ) ( 5 ) Demand Update the account to Closed and revise payment history to 100 % on-time, removing all late or derogatory remarks. Verified : No validation or documentation supports these claims. Per FCRA 611 ( a ) ( 1 ) ( A ) unverifiable data must be deleted. 3. ( ) XXXX XXXX XXXX XXXX XXXX  : Marked Currently On-Time yet lists Missed Payment. Correct to reflect * * missed payments Paid as Agreed * * status. 4. Outdated Information Remove all entries older than 7 years ( e.g., Unknown statuses ), perX FCRA 605 ( a ) Legal Compliance Demands FCRA 609XX : Provide signed payment agreements transactional records account-level documentation to substantiate disputed items. FCRA 611 : Conduct a full reinvestigation XXXX within 30 days, ensuring furnishers comply with XXXX XXXX formatting X ( e.g., correct Payment Profile Codes, Account Status Indicators ). FCRA 623 Direct furnishers to reconcile discrepancies and certify the accuracy of all data Failure to resolve these violations will compel me to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and pursue legal remedies for willful non-compliance. I'VE MADE ANOTHER ATTEMPT Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft XXXX XXXXXXXX FCRA 605 ( b ) ( 15. U.S.C. 1681c-2 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX Account number : 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 2025-06-28 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: GA

Complaint narrative:
XXXX XXXX Social Security Number : ( XXXX ) Date of Birth : ( XXXX ) Subject : Immediate and Permanent Blocking of Identity Theft Accounts No Reinsertion Permitted U

nder Any Circumstance This complaint is being formally submitted to demand the immediate and permanent blocking of all fraudulent, inaccurate, and unauthorized information appearing on my consumer credit report maintained by Experian , in accordance with my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ). You are hereby notified that the following accounts and inquiries are the result of identity theft and were not opened, authorized, or initiated by me in any capacity : XXXX  XXXX personal credit card, opened XX/XX/year>. 

This account have caused multiple fraudulent hard inquiries, unauthorized collections, and significant harm to my consumer credit profile. I have attached the following supporting documentation : A full copy of my credit report showing the fraudulent items A list of unauthorized hard inquiries A copy of my FTC Identity Theft Criminal Complaint # ( private case number ) confirming these are identity theft-related entries I am demanding that Experian : 1. Block and remove the aforementioned accounts, collections, and hard inquiries from my consumer report within 4 business days as required by FCRA 605B.

2. Permanently prevent reinsertion of any of these fraudulent items. Reinsertion under any formdirect or indirectwill be considered a willful violation of the FCRA and will trigger immediate escalation, including legal action and formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General.

3. Provide written confirmation that these accounts have been removed and will never be reinserted under any circumstance.

Let this serve as your final notice : if any of the fraudulent accounts listed above reappear on my credit fileeven onceI will pursue all available legal remedies, including a lawsuit for willful noncompliance with the FCRA, actual and punitive damages, and attorneys fees.

This is not a request. This is a legal demand. You have 4 business days from the date of receipt to act in full compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : 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 non-monetary relief
Consumer complaint received 2025-06-28 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: MO

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Despite notifying Experian that I do not recognize or owe these debts, they verified the accounts without providing any evidence or supporting documentation. No signed lease, agreement, or proof of responsibility was furnished. These accounts are not mine, and the credit bureau failed to conduct a reasonable reinvestigation as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). I am requesting the removal of these accounts from my credit file and proper documentation explaining how they were 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 2025-06-28 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: FL

Complaint narrative:
I am sending to formally dispute and address a late payment that has been reported on my credit file in connection with the items listed below. This late payment is negatively impacting my creditworthiness, and I respectfully request a prompt review and correction under the relevant provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief