vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I contacted venmo to verify my identity after no longer having access to an expired debit card linked to my account. The generative chatbot was not able to provide any information and the live customer service number was not providing an option to speak with a customer service representative. I have money in my account but can no longer access it due to a phone number change and the expired debit card. Venmo has not provided any solutions.

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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Transunion on day XX/XX/XXXX asking them to reinvestigate these accounts : XXXX  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 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 2025-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate 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.

Furthermore, 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 2025-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
I received three letters from Chase on the same day, each with a different printed date. All three envelopes were identical in appearance including the barcodes, postage information, and formatting indicating they were mailed at the same time. 

One of the letters was a debt verification response that appeared to be time-sensitive. It was dated to make it look like Chase responded within the 30-day deadline under the Fair Debt Collection Practices Act ( FDCPA ), but I actually received it after that deadline had already passed. This suggests the letter may have been intentionally backdated to falsely appear compliant with the law. 

I believe this practice is misleading and may violate consumer protection rules. I am asking that CFPB review whether Chase is using deceptive mailing practices to circumvent legal deadlines, and to ensure consumers are not misled or unfairly disadvantaged by such tactics.

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: VA

Complaint narrative:
I am filing a complaint against Experian, Equifax, TransUnion, and the furnishers XXXX XXXX XXXX XXXX and XXXX XXXX  for violating multiple sections of the Fair Credit Reporting Act ( FCRA ), including Section 605B, Section 611, and Section 609.

I submitted a valid identity theft report, supported by documentation under FCRA 605B. As a result, fraudulent accounts were previously deleted from my credit file, including : XXXX XXXX XXXX XXXX XXXX XXXX  These accounts were recently reinserted without written notice within the required 5 business days, violating FCRA 611 ( a ) ( 5 ) ( B ) ( ii ). There was no proper explanation or supporting evidence provided, which is required under the law. This reinsertion appears to have been done without legal cause or procedural compliance.

In addition, I have issued a formal FCRA 609 request demanding full verification and disclosure of the sources and original documentation used to claim ownership of these accounts. To date, the credit bureaus and data furnishers have failed to provide contracts bearing my signature or any legal proof tying me to these accounts. FCRA 609 guarantees my right to receive this information, and failure to provide it constitutes non-compliance. 

I have not agreed in writing that the information was blocked in error, and I have not received any valid legal documentation proving that I knowingly obtained any goods, services, or money related to the disputed accounts. I believe this is a violation of my consumer rights. 

I am requesting that the Consumer Financial Protection Bureau immediately investigate these violations and compel the credit bureaus and furnishers to : Remove the reinserted accounts. 
Comply with FCRA 609 by providing proper verification and documentation. 
Cease any further reporting of fraudulent accounts. 
Correct their processes regarding handling of identity theft victims. 

I respectfully request swift enforcement action to protect my rights and credit integrity.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am filing a complaint against Experian, Equifax, TransUnion, and the furnishers XXXX XXXX XXXX XXXX and XXXX XXXX  for violating multiple sections of the Fair Credit Reporting Act ( FCRA ), including Section 605B, Section 611, and Section 609.

I submitted a valid identity theft report, supported by documentation under FCRA 605B. As a result, fraudulent accounts were previously deleted from my credit file, including : XXXX XXXX XXXX XXXX XXXX XXXX  These accounts were recently reinserted without written notice within the required 5 business days, violating FCRA 611 ( a ) ( 5 ) ( B ) ( ii ). There was no proper explanation or supporting evidence provided, which is required under the law. This reinsertion appears to have been done without legal cause or procedural compliance.

In addition, I have issued a formal FCRA 609 request demanding full verification and disclosure of the sources and original documentation used to claim ownership of these accounts. To date, the credit bureaus and data furnishers have failed to provide contracts bearing my signature or any legal proof tying me to these accounts. FCRA 609 guarantees my right to receive this information, and failure to provide it constitutes non-compliance. 

I have not agreed in writing that the information was blocked in error, and I have not received any valid legal documentation proving that I knowingly obtained any goods, services, or money related to the disputed accounts. I believe this is a violation of my consumer rights. 

I am requesting that the Consumer Financial Protection Bureau immediately investigate these violations and compel the credit bureaus and furnishers to : Remove the reinserted accounts. 
Comply with FCRA 609 by providing proper verification and documentation. 
Cease any further reporting of fraudulent accounts. 
Correct their processes regarding handling of identity theft victims. 

I respectfully request swift enforcement action to protect my rights and credit integrity.

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 2025-05-27 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: CT

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: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: MD

Complaint narrative:
XX/XX/year>2025, and the amount was about XXXX the company wont allow me to reset my email instead they allow someone else hack and change my information in my account and i cant unless i send them my id.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XX/XX/XXXX I open a balance transfer account with Chase financial or JCPM financial. at this time, Im not sure what banner my account was created under. Initially it was a {$15000.00} credit line with {$5000.00} going towards the balance transfer. The transaction was done on the phone. So the only recording is the one that they have so I can not substantiate the fact that I was told on the phone that it was a {$15000.00} line of credit with 5000 line for balance transfer. My complaint concerns the balance transfer. When I open the account, I also created my enrollment in auto pay, which was to be deducted on XX/XX/XXXX. There was no deduction on XX/XX/XXXX so on XX/XX/XXXX I paid {$150.00}. for XXXX years I have had 100 % on time payment record for all my outstanding credit cards and loans. Chase reported to XXXX XXXX my credit unitization on a card that hadnt even been open for 30 days and they drop my score XXXX points. If I was a credit risk, why did they even approve the balance transfer? I dont know if this is some kind of retaliation. Is this something about who I am as a person I dont know, but I know this wasnt right nor was it fair and never in my whole credit history, have I heard of this happening to anyone. Especially, someone that had a credit rating of XXXX points. I know this was done in conjunction with XXXX XXXX who sells this card on their site. So not only did they drop my credit score XXXX points XXXX XXXX get paid for sponsoring the card on their site. I have contacted the Better Business Bureau and filed a complaint about XXXX XXXX and I will be doing the same for Chase/JP Morgan .. I feel both companies are using deceptive credit practices and I want my earlier credit score back. I see that XXXX XXXX, has already suffered a class action lawsuit and have to pay out money for their deceptive practices when it comes to sponsoring these credit card companies on their website. Chase should also suffer the same outcome. It was not easy at first for me to contact either one of these companies. I just found a address where I can send a letter to Chase and there is nothing on the credit, website where I can issue a complaint or or give a review of the Chase freedom card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/year> I deposited my IRS refund check amount {$15000.00} into a Truist account. I walked into a branch where everything was set up for me.Not even a few hours later the account was closed due to suspected Fraud I have not received any assistance or calls from Truist about my account. I only know that the check was deposited but funds were reversed. Ive been calling customer care but they are no help, Ive called the branch I went to and no answer.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ava Finance, Inc
State: FL

Complaint narrative:
fraud not my accounts, inaccurate FCRA Section 611 ( 15 U.S.C 1681i ) FCRA 609 ( 15 U.S.C. 1681g ) FCRA 623 ( 15 U.S.C. 1681s-2 ) FCRA. 604 ( 15 U.S.C. 1681b ) AVA FINANCE INC ACCOUNT : XXXX / XXXX XXXX XXXX XXXX ACCOUNT : 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 is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX loan account amount {$33000.00} this item is not reflecting on my credit report and I need reported to all XXXX major credit bureaus

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 is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX loan account amount {$33000.00} this item is not reflecting on my credit report and I need reported to all XXXX major credit bureaus

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: Sequium Asset Solutions, LLC
State: MI

Complaint narrative:
Sequium assets solution put a collection on my credit for no reason I never had a debt or collection I dont know whos debt that is but Im the wrong person

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES 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 XXXXXX/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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 2025-05-27 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: PA

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 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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to emphasize that this complaint is not a mistake. My credit report contains inaccuracies that do not meet the standard of maximum possible accuracy. These ongoing errors are taking a significant emotional and financial toll on me. In these challenging times, having these inaccuracies corrected or removed would provide much-needed relief and be deeply appreciated.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the United States Code Law ( TILA ) 15 U.S. Code 1666 ( b ), billing error.

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: Credit Control, LLC
State: KY

Complaint narrative:
XXXX XXXX reference number XXXX, this is not my debt, XXXX  XXXX not my account, XXXX  XXXX not my account

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