vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them.

These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX Account # : XXXX 2. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: FL

Complaint narrative:
To whom it may concern, On day XX/XX/XXXX, I looked at my report. I sent a letter to Equifax on day XX/XX/XXXX asking them to reinvestigate these accounts : Bank XXXX XXXX XXXX, and here is my tracking number : XXXX On day XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same. 
... and according to 15 USC 1681i they are suppose to do this : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681e they are supposed to ensure this : b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this is supposed to happen : ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Experian really did not reinvestigate they lied on an official document saying they did something they did not do and I have evidence to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Velocity Portfolio Group
State: IL

Complaint narrative:
CKS PRIME INVESTMENTS , LLC has been told I do not owe them anything and specifically been told to cease & desist upon the first call and so many there after I have forgotten the total number of calls, but, as of today, XX/XX/XXXX there has been over 30 harassing call since on XX/XX/XXXX for the amount of {$630.00}. they have illegally threatened to sue me over the phone or garish my wages and or ruin my credit rating for all of this time and lastly reported this false information to XXXX XXXX XXXX XXXX.as recent as XX/XX/XXXX. They have never provided any proof of this debt specifically owed to them by supposedly myself during this entire time or every time I've have interacted with one of their abusive collection agents by phone. Lastly, I'm tired of their abusive and I'm asking the CFPB to finally protect me and my credit as they have damaged both during their constant abusive threatening calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CHERRY TECHNOLOGIES INC.
State: FL

Complaint narrative:
I financed {$2600.00} with Cherry Technologies for services at XXXX XXXX, and also paid {$110.00} out of pocket. The services were not provided as agreed. I submitted supporting documentation since XX/XX/year> and was recently offered a {$550.00} settlement, which does not reflect the total paid. I am being pressured to sign a release that forfeits my right to pursue the full refund. I am requesting the Consumer Financial Protection Bureau to intervene and assist in recovering the full {$2700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
CFPB COMPLAINT ADDENDUM NEW EVIDENCE UPDATE Date : XX/XX/year> Complainant : XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX Complaint ID : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I. PURPOSE OF THIS ADDENDUM This addendum is submitted in direct reference to the complaint filed against JPMorgan Chase Bank , N.A . regarding fraudulent transaction handling, reversal of credited funds, and misrepresentation to federal regulators. This document includes new evidence confirming bad-faith behavior, broken promises, and further misdirection by the institution 's Executive Office after the complaint was submitted.

II. NEW EVIDENCE DETAILS On XX/XX/year>, the Chase Executive Office acknowledged the dispute and stated a response would occur within XXXX business days. 
On XX/XX/year>, Chase issued a message confirming receipt but no formal resolution. 
On XX/XX/year>, Chase falsely claimed the matter was closed, contradicting their earlier commitment and failing to respond within their stated timeframe. 
No documentation or evidence has been provided to support the closure of the dispute. 
All secure messages contradict the final claim status provided to the CFPB, indicating misrepresentation and bad-faith conflict resolution. 

III. REQUESTED ACTIONS - Reopen the case against JPMorgan Chase. 
- Demand the production of the internal audit logs and justification documents used to close the case. 
- Investigate possible retaliation or manipulation of internal dispute records in response to the formal complaint. 
- Reaffirm the CFPBs jurisdiction to demand honest and timely resolution under Regulation E and consumer protection statutes. 


Respectfully Submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRUST | UCC 1-308 Without Prejudice

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-05-28 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: FL

Complaint narrative:
I am filing a complaint to formally dispute certain inaccurate information contained in my credit report. I have obtained a copy of my report from your bureau and found the following items to be in error : Items Disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: FL

Complaint narrative:
I am filing a complaint to formally dispute certain inaccurate information contained in my credit report. I have obtained a copy of my report from your bureau and found the following items to be in error : Items Disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: NM

Complaint narrative:
My father passed away XXXX, and I received a letter, around XX/XX/year> Reference : XXXX, from Weltman , Weinberg & Reis Co. LPA stating that I owed the debt. The letter stated that I could dispute the debt. My father and I share the same name with a different middle initial. I informed them by sending a letter through certified mail return receipt that I am not the spouse, parent, legal guardian, lawyer, executor, or confirmed successor. The letter was sent on XX/XX/year> and received by Weltman et al. on XX/XX/year> at XXXX. I requested that they stop contacting me about the debt. Included with my letter was a copy of the death certificate. On XX/XX/year> I received another letter with my father 's debt information from the XXXX XXXX XXXX ( account statement ). The letter received states " ... that you may have been an authorized user on the account. '' Furthermore, I did not request this information from them because I have nothing to do with my father 's credit card. Moreover, my mother is his surviving spouse ; therefore, I am not sure why I am being contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Cfpb sent me an email telling me or notify me to respond to the company 's response the company being Mr Cooper complainant sees no place to submit the response, ... Mr Cooper is such a fraudulent company that not much explanation should be required... Either received this as a rejection of the company 's response which I have not been able to ascertain because I have not been able to find it hence this posted as a new complaint, or send the link for the response that you require, regardless the company has never responded to me through numerous and multiple requests even sent by certified mail but they have always responded to other agencies with fantasified documents decorated responses and fabricated justifications far From reality they document one thing for their own purposes yet do another, why XXXX XXXX is not in prison with the rest of his associates is yet still a mystery...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
b'Security Freeze Request\n\nDear \n\nI, XXXX XXXX XXXX XXXX  writing to formally request a security freeze on my credit file maintained by your agency .This request is intended to protect my personal information and prevent unauthorized use of my data  for fraudulent activities.\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIkindly ask that you send me written confirmation once the freeze has been placed, along with instructions on how to temporarily lift permanently remove the freeze in the future.\nThank you !\nSincerely,\nXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Debt collector is saying I owe a debt that's not mines

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
I am filing a complaint against cashapp ( Block , Inc ) Due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ) .Specifally, Cash App failed to take timely and effective measures to prevent or address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they dis not comply with error resolution requirement under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These action have cause significant inconvenience and financial loss, and i seek appropriated redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: CA

Complaint narrative:
I was overseas and recently just returned to the U.S.

I just noticed a lot of accounts on my credit report due to an identity theft. Please remove the DEPTEDXXXX accounts from all of my credit reports immediately and permanently.

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 2025-05-28 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 was overseas and recently just returned to the U.S.

I just noticed a lot of accounts on my credit report due to an identity theft. Please remove the DEPTEDXXXX accounts from all of my credit reports immediately and permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief