vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I receive a bill in the mail from XXXX XXXX for the amount of XXXX for a credit card that I didn't open. card is a XXXX. I contact the credit bureau to file a fraud, and proceed to call XXXX  XXXX on why this account was open in my name. XXXX XXXX had no idea what happen or why this credit card was open in my name, the reference number or Id number for the claim that I file with them is # XXXX. main while there's XXXX card that was open in my name and XXXX XXXX is not trying to resolve this issues or cancel the credit card. main while my credit score is very low due to this issue. I only find this information out while trying to purchase a car from XXXX XXXX in XXXX on this month. for my surprised my credit score was very low with a fraudulent XXXX from XXXX XXXX. 


Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: TX

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Rock Holdings Inc.
State: FL

Complaint narrative:
On or around XX/XX/year>, I received a credit alert indicating that a foreclosure had been reported to XXXX. However, no Final Judgment of Foreclosure has been entered by any court, making this reporting false, misleading, and injurious to my credit profile. 
I am also challenging the validity of the underlying mortgage and lien. During the refinance transaction, no actual disbursement of funds occurred from either the lender or the title/settlement company ( Amrock LLC ) . My signed promissory note was used to generate credit, but no lawful consideration was extended by the lender from their own asset account. This renders the mortgage void and unperfected under : UCC 9-203 ( b ) ( 1 ) and Florida Statute 679.2031 Despite this, a lien was recorded, securitized, and now a foreclosure is being reported, even though no enforceable security interest exists. This conduct amounts to : Unlawful credit reporting under the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681s-2 ), False representation of debt under the Fair Debt Collection Practices Act ( FDCPA 15 U.S.C. 1692e ), And unjust enrichment and constructive fraud. 

I am requesting that the Consumer Financial Protection Bureau investigate these entities and require that : The foreclosure entry be immediately removed from my credit file, The companies produce proof of lawful consideration and disbursement, All further foreclosure and collection actions be cease and desisted pending resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XX/XX/year> 15 USC 1681 section ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit report obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I have yet to have my accounts properly investigated after 2 years of trying and XXXX still being held accountable for inaccurate accounts on my credit report. Transunion and Equifax removed the accounts from my profile because they realized the information is incorrect and for some reason Experian has yet to do so even after seeing the information doesn't line up/ Please preform a proper investigation just like how the XXXX states it should be done. I am tired of having my rights violated and this has happened to me numerous times which isn't right. 

Perform a proper investigative consumer report or remove the following accounts : XXXX XXXX  : # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 credit Bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have a right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 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.

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 2025-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
U.S. Bank Failure to Prevent Crypto Fraud Losses I am filing this complaint against U.S. Bank for failing to adequately monitor, flag, and intervene in a prolonged pattern of high-risk wire activity that ultimately resulted in a financial fraud loss of approximately {$320000.00}. Between XX/XX/XXXX and XX/XX/XXXX, I conducted a series of wire transfers from my XXXX Bank personal account to cryptocurrency exchanges, primarily Coinbase and Crypto.com. These transfers, often in high or repeating amounts, were used to fund cryptocurrency wallets later linked to an international fraud scheme involving platforms such as XXXX, XXXX, and XXXX. 

Despite the well-documented risks associated with frequent crypto-related wire transfers, U.S. Bank failed to take reasonable and expected action. There was no sustained fraud alert, transaction freeze, or escalation to senior review, even after some wires were rejected and re-submitted. Although the bank contacted me at one point to ask about a transfer, I responded based on what I believed was a legitimate investment opportunity. I was unknowingly under financial coercion, being manipulated by coordinated fraud actors, and was vulnerable to external influence. 

Given U.S. Banks obligations under consumer protection frameworks and XXXX transaction monitoring, I believe there was a failure in duty to detect, question, and block a suspicious transaction pattern. I am requesting a full internal review, an acknowledgment of oversight, and a formal response regarding possible restitution, recovery assistance, or executive-level mediation. 

This complaint is submitted alongside supporting documentation and agency reports to the CFPB, OCC, and IC3.

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 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
After reporting a fraudulent withdrawal of {$690.00} from my Chase checking account on XX/XX/2025, I was told I would receive provisional credit within XXXX business days. That did not happen. For over a week, I had no access to my own money and was forced to survive using my Chase credit cardracking up over {$450.00} in emergency charges across food, gas, and essentials.

Because Chase failed to act, I was charged {$68.00} in interest on top of that. And they claimed this was not their responsibility.

I submitted full documentation : Screenshots of my balance showing I had no available funds after rent hit Pay stubs confirming my income had just been deposited A complete timeline of their failure to honor their own verbal credit timeline Chase saw all of thisand still denied any wrongdoing.

They closed the complaint by citing cardmember agreement terms as if that excused them from the real harm they caused : stranding a recovering, injured customer with no access to cash while profiting off the interest of a debt they forced me to incur.

They claimed they did not benefit from this. That is a lie.

They did benefitfinancially and structurallyby delaying my access to my funds and collecting interest on a credit balance I should never have needed. That is the very definition of predatory leverage.

And then, after I finally received my provisional credit ( only after filing a CFPB complaint ) I tried to protect myself from further abuse by moving my funds to a new XXXX account.

What did Chase do?

They immediately flagged my own transfer as fraud, froze the transaction, and refused to release the funds even after I confirmed it was legitimate. XXXX confirmed in writing ( screenshots available ) that Chase was blocking the release.

Even after I verified it personally, Chase would not unlock the money.

This was not protection. This was retaliation.

So lets be clear : Chase failed to return my stolen money promptly.

Chase caused me to rely on credit to survive, then used legal boilerplate to absolve themselves.

Chase profited off that delay, then denied they did.

Chase blocked a transfer to a new bank as fraud after being held accountabledespite it being a routine, verified transfer.

Chase continued to lie, deflect, and gaslight while my survival was directly impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
This late payment mark is incorrect and does not align with my actual payment history. I have been diligent in making timely payments, and I request an update to ensure accuracy in my records.

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 2025-05-19 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: TN

Complaint narrative:
I am writing to file a formal complaint against TransUnion, regarding their failure to conduct a proper investigation under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) and the issuance of a stall letter ( copy attached ) dated XX/XX/year>. 

I initiated a dispute with TransUnion requesting validation and investigation of inaccurate information on my credit report. Instead of fulfilling their legal obligation to investigate, I received a response suggesting that my request was not processed because it did not appear to be from me or an authorized party. 

Violation of FCRA Requirements : Failure to Investigate Disputed Information ( FCRA 611 ( a ) ( 1 ) ( A ) ) : TransUnion is required by law to conduct a reasonable investigation when a consumer disputes information on their credit report. 

The stall letter did not indicate any specific reason for why my dispute could not be investigated, nor did it provide evidence that my identity was not verified. 

Failure to Provide Adequate Reason for Frivolous Classification ( FCRA 611 ( a ) ( 3 ) ) : If a dispute is considered frivolous, TransUnion is required to notify me of specific reasons why and how it was determined to be frivolous. This letter fails to do so. 

Obstruction of Consumer Rights ( FCRA 609 ( e ) ) : I have the right to dispute errors and demand verification. Requesting additional identity verification without justification is an unnecessary barrier that violates my rights under the FCRA. 

Requested Resolution : I request that the CFPB investigate this matter and compel TransUnion to : Conduct a full and thorough reinvestigation of the disputed information. 

Provide me with a detailed explanation of the findings, including how the information was verified. 

Immediately DELETE these accounts for inaccuracies. 

Additionally, I request that TransUnion ceases its stall tactics and complies fully with the XXXX XXXX Compliance Standards for credit reporting. 

I appreciate your attention to this matter and look forward to your prompt action to ensure my rights are protected under federal law. 

Thank you for your assistance. 

Sincerely,

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 2025-05-20 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: PA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/year>, I settled an account with Capital One for less than the full balance. The account was closed and shows a {$0.00} balance. However, it continues to be reported as paid after charge-off/collection, which does not accurately reflect the current or final status of the account. 

There were no late payments recorded on this account, and I took proactive steps to resolve the debt in good faith. Despite this, the negative reporting remains on my credit file and is damaging my credit score unnecessarily. 

I respectfully request that this outdated and misleading information be corrected or removed to reflect the accounts true resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: NC

Complaint narrative:
RE : Demand for Deletion of Inaccurate Charged-Off Account Not for Reinvestigation To Whom It May Concern, This letter is a formal demand for the permanent deletion of an inaccurate charged-off account being reported on my credit file. This account, reported by XXXX XXXX, is listed on my credit report under account number XXXX. This communication is NOT a request for reinvestigation, but a demand for removal based on the rights provided to me under federal law. This account was written as a charged off account but I never received any of the 1099 cancellation of debt forms, and because of that this account is inaccurate.

Under the Fair Credit Reporting Act ( FCRA ), particularly Section 602 ( a ), credit reporting agencies are required to ensure all information furnished in a consumer report is accurate and verifiable. The continued reporting of inaccurate, outdated, or unverifiable information is a violation of federal law.

I am asserting my rights under : FCRA Section 1681e ( b ) : Mandates maximum possible accuracy in credit reporting.

FCRA Section 1681i ( a ) ( 5 ) ( A ) : States unverifiable information must be promptly deleted.

FCRA Section 602 ( a ) : Affirms that inaccurate reporting is detrimental to consumers and constitutes an unfair practice. 


Because the account in question contains errors and/or can not be 100 % verified with original documentation that meets legal and procedural requirements, it should not be reinvestigatedit must be permanently deleted from all of my credit files. 

You are hereby placed on notice that continued reporting of this account without full validation may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action for violations of the FCRA.

Please confirm in writing that this account has been permanently deleted from my credit file. I expect a response within 30 calendar days, as required by law. 



Sincerely, 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 2025-05-20 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 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 MXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2100.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXXXXXX XX/XX/year> Under XXXX XXXX Code XXXX ( XXXX ) ( 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. Cease and desist asap.

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 2025-05-20 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: NC

Complaint narrative:
RE : Demand for Deletion of Inaccurate Charged-Off Account Not for Reinvestigation To Whom It May Concern, This letter is a formal demand for the permanent deletion of an inaccurate charged-off account being reported on my credit file. This account, reported by XXXX XXXX XXXX, is listed on my credit report under account number XXXX. This communication is NOT a request for reinvestigation, but a demand for removal based on the rights provided to me under federal law. This account was written as a charged off account but I never received any of the 1099 cancellation of debt forms, and because of that this account is inaccurate. 

Under the Fair Credit Reporting Act ( FCRA ), particularly Section 602 ( a ), credit reporting agencies are required to ensure all information furnished in a consumer report is accurate and verifiable. The continued reporting of inaccurate, outdated, or unverifiable information is a violation of federal law. 

I am asserting my rights under : FCRA Section 1681e ( b ) : Mandates maximum possible accuracy in credit reporting.

FCRA Section 1681i ( a ) ( 5 ) ( A ) : States unverifiable information must be promptly deleted.

FCRA Section 602 ( a ) : Affirms that inaccurate reporting is detrimental to consumers and constitutes an unfair practice.

Because the account in question contains errors and/or can not be 100 % verified with original documentation that meets legal and procedural requirements, it should not be reinvestigatedit must be permanently deleted from all of my credit files.

You are hereby placed on notice that continued reporting of this account without full validation may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action for violations of the FCRA. 


Please confirm in writing that this account has been permanently deleted from my credit file. I expect a response within 30 calendar days, as required by law. 



Sincerely, 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 2025-05-20 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: MA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief