vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I took major notice of cashapp deliberately speaking through their app only communication in XX/XX/XXXX. I disputed debits and transfers numerous times one being {$1900.00} where cash app would not have a solid explanation of why or how were these funds able to be drafted to soon after loosing access to the account in all together. Another thing is i had a plethora of debit cards i would receive that would be useless never working come to find out the card wasnt initiated by me. The major clue was, me not having cards or being offered the priviledge to deposit cash to the debit card. i didnt understand why i would find these type of transactions on my bank statement for a fee paid by cash deposit. Another extremely disappointing issue is when i could not or would not be able to receive the authentication codes, i remember all so well in XXXX panicking as i could not access my funds having extreme fear its going to happen again and it did.... account takeover. After so much of this unethical behaviour, this meaning cashapp would be the only option for utilizing financial service because anything goes. At this point, other accounts connected are ruined. Cashapp did not investigate or help with finding out with someone else or another account was receiving ths code. it was heartbreaking to be powerless in this situation. i believe this is who they still are today. Considering i have such a brutal case, it took some time to get the information to cashapp in which i did by certified mail. Evidence if all the money they allowed to be stolen from me and i believe that my abillity to communicate effectively was taken advantage of. This was expensive not to mention i asked for an accomadation for more time requested along with a letter from my XXXX? i thought this was appropriate because some not all offer the option to explain the reason needed for more time. I am well over {$2500.00} from what was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: WY

Complaint narrative:
XXXX. XXXX XXXX ( Charge-Off / Aging Past XXXX  Years ) I am disputing a charge-off account reported by XXXX XXXX ( Acct XXXX XXXX in XXXX ) which is inaccurately listed on my XXXX XXXX XXXX credit reports. This account has aged beyond the 7-year reporting limit under FCRA 605 ( a ) and should no longer appear. I mailed a formal dispute letter over 30 days ago, and no correction has been made. I am requesting deletion of this account and investigation into noncompliance with the Fair Credit Reporting Act. 
XXXX COMPLAINT JPMCB CARD SERVICES Subject : Inaccurate Charge-Offs/ Validation Failure JPMorgan Chase is reporting two charge-off accounts ( Acct # XXXX ending in XXXX and XXXX ) on my XXXX XXXX XXXX credit files. I formally disputed these entries and requested validation of the debt under FCRA 623 ( b ) and FDCPA 809 ( b ). The accounts contain inconsistent balances and inaccurate status updates ( litigation pending ), and no validation has been provided. Over 30 days have passed. I request immediate deletion of these unverifiable accounts and enforcement of FCRA and FDCPA protections. 

XXXX. CFPB COMPLAINT XXXX XXXX XXXX Subject : Inaccurate Late Payments on Closed Account XXXX XXXX XXXX  continues to report late payments on a fully paid and closed account ( Acct # ending in XXXX ). This is misleading and inaccurate under FCRA 623 ( a ). I disputed this with both the creditor and the bureaus and asked for either correction or deletion. No action has been taken in over 30 days. I respectfully request the CFPB 's assistance to ensure accurate and complete reporting under federal law. 

XXXX. CFPB COMPLAINT XXXX XXXX  Subject : CARES Act Violation During Mortgage Forbearance XXXX XXXX  is reporting multiple XXXX and XXXX late payments during a period when I was under an approved forbearance agreement due to XXXX hardship. Under the CARES Act ( Section 4021 ), mortgage accounts in forbearance must be reported as current if they were current prior to the relief. I have provided written dispute letters, but no correction has occurred. I request that the CFPB XXXX this matter for compliance with both the CARES Act and FCRA. 

XXXX. CFPB COMPLAINT XXXX  Subject : Failure to Investigate and Correct Credit Report Errors Equifax has failed to properly investigate and correct multiple accounts I formally disputed in writing on [ insert date ]. This includes charge-off accounts from XXXX XXXX and JPMCB, and inaccurately reported lates from XXXX XXXXXXXX XXXX  XXXX No adequate response or correction was received within 30 days, in violation of FCRA 1681i. I am requesting CFPB enforcement to ensure these inaccurate items are removed or corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute and request the immediate removal of unauthorized credit inquiries from my credit report. These inquiries were made without my knowledge or consent, which violates 15 U.S. Code 1681b ( 2 ) and FCRA Section 605B, both of which prohibit the access or use of a consumers credit information without proper authorization. 

Unauthorized Inquiries : 1. XXXXXXXX XXXX XXXX 2. XXXX XXXX XXXX XXXXXXXX 3 . XXXX XXXX XXXX / XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX 6. XXXX / XXXX I did not authorize these entities to access my credit report, and I demand that these inquiries be deleted immediately. 

As required under the FCRA, please complete this dispute and remove the unauthorized inquiries within 4 business days of receipt of this letter. I also request written confirmation of their removal from my credit file.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Date of Birth : XX/XX/year> SSN : XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute and request the immediate removal of unauthorized credit inquiries from my credit report. These inquiries were made without my knowledge or consent, which violates 15 U.S. Code 1681b ( 2 ) and FCRA Section 605B, both of which prohibit the access or use of a consumers credit information without proper authorization. 

Unauthorized Inquiries : 1. XXXXXXXX XXXX XXXX 2. XXXX XXXX XXXX XXXXXXXX 3 . XXXX XXXX XXXX / XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX 6. XXXX / XXXX I did not authorize these entities to access my credit report, and I demand that these inquiries be deleted immediately. 

As required under the FCRA, please complete this dispute and remove the unauthorized inquiries within 4 business days of receipt of this letter. I also request written confirmation of their removal from my credit file.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Date of Birth : XX/XX/year> SSN : XXXX Phone : XXXX Email : 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 explanation
Consumer complaint received 2025-05-07 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: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely 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 non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
Have XXXXXXXX XXXX XXXX managed by Comenity Capital Bank, Comenity Capital Bank XXXX XXXX XXXX, XXXX, OH XXXX Received email on XX/XX/XXXX saying that promotional period is ending and you need to pay full payment. Based on this information, made below full payment of {$550.00}. Have attached both emails- promotion ending and payment. 
Still saw below huge interest charges of {$690.00} and other charges. Contacted Comenity capital bank and they were not willing to refund charges even after showing prove that made full payment before promotional period ended. 

XX/XX/XXXX Interest Charge on Purchases {$19.00} XX/XX/XXXX LATE FEE {$30.00} XX/XX/XXXX Interest Charge on Purchases {$18.00} XX/XX/XXXX Interest Charge on Purchases {$22.00} XX/XX/XXXX Interest Charge on Purchases {$690.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Trans Union credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The fraudulent inquiries ( charge-off accounts, collections ) I have found : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud.

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 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XX/XX/year> I applied for several loans XXXX XXXX  was one because # XXXX  recommended them also because recently I lost my job on XX/XX/year>. On XX/XX/year> I received text from an XXXX XXXX claiming he was a consultant for XXXX XXXX he gave me info that I wrote down and then he sent me a link that he said was safe. It was an E-verification link to fill out my personal and bank info so I filled out and sent. Then once he received he began process he said he had to cover my negative balance and sent me a check that was a insurance payment that they were paying foe the loan and had me send the {$500.00} the cleared and he would have me send the rest next day. When he called on XX/XX/year> he asked if I changed my password I told him no that the bank reached out to me and that my account was frozen temporarily due to large deposit. So he said if I had another account we could deposit another check in that one to retry the process but he had me do something odd with a gift card which made me question him and he said this was a normal process and had me transfer the {$220.00} that cleared and that I would have to call next day. Then XX/XX/year> was told by Citibank that account was frozen because of 2 deposits I said I only knew about one, but they said call back in 48 hrs I reached out to XXXX and asked why he thought my accounts were frozen and if there was a thru g he lied about or needed to tell me he said he had no idea then I told him why did he try to deposit 2 more checks I didnt authorize he said because it was a newer account he was trying to make balance larger so that when he deposited {$10000.00} loan check there would be no problems. After 48 hra spoke to Citibank they said they were closing my account due to fraudulent deposits w/o allowing me to explain that I had been misled. Then called XXXX he said he wasnt sure what happened and to go to XXXX  and see what they say, so I did and they said my account was still frozen but I could not access it w my temporary ID and to come back when I received my Real ID but it never came. I had to go to DMV to get a reprint and had to wait and still waiting for ID to this day but both accounts have been closed and have negative balances from the withdrawals XXXX XXXX has. When I reached out to him he did not answer and hasnt answered I was swindled!

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 2025-05-07 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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you donot validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$2000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3200.00}

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Self Financial Inc.
State: MI

Complaint narrative:
I am submitting this formal complaint against Lead Bank for reporting inaccurate, incomplete, and unverifiable information on my consumer credit file, in violation of multiple provisions under the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681s-2 ( b ) : Failure to investigate and correct disputed information.

15 U.S.C. 1681i ( a ) ( 1 ), ( 5 ), ( 6 ) : Failure to conduct a proper reinvestigation or provide results within 30 days.

The Lead Bank account identified above is being reported with delinquency status, charge-off remarks, and an inconsistent credit limit and payment history without any proper verification. My formal written dispute requested proof of account ownership, contract documentation, and a XXXX XXXXcompliant reporting structure. Lead Bank has failed to provide verification or update the report accordingly, thus continuing to damage my creditworthiness. 

Furthermore, the comments section on the credit report lacks an accurate narrative or explanation. No original signed agreement or verification method has been disclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing this complaint to request my consumer report. 

Upon reviewing my credit report file with XXXX, Equifax, and XXXX there is incorrect information you are furnishing to them. This is my attempt at fixing this problem. 

I want to ensure the information in my file is accurate and complete. I request that you promptly provide me with a complete consumer report. 

Please ensure that the information you are reporting is complete and accurate. If the information is not I request you verify and provide the source. If you do not this will escalate into a small claims suit. 

Thank you for your prompt attention to this issue. I look forward to your response and the resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: CT

Complaint narrative:
I previously disputed XXXX account with Trans Union XXXX Experian and Equifax regarding account number XXXXXXXX XXXX XXXX XXXX XXXX I reviewed my credit reports and Trans Union, Experian and Equifax is still reporting incorrect and inconsistent information. 
See attached screen shots of the account from my credit report.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I previously disputed XXXX account with Trans Union XXXX Experian and Equifax regarding account number XXXXXXXX XXXX XXXX XXXX XXXX I reviewed my credit reports and Trans Union, Experian and Equifax is still reporting incorrect and inconsistent information. 
See attached screen shots of the account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
I had filled a police report to the local police department where I live for stolen Identity and fraudulent accounts that were opened in my name it was with the XXXX police department in Idaho I spoke with patrol officer XXXX XXXX badge number XXXX who took my report and gave me a case number XXXX. I explained that I was a victim of Identity Theft and Fruadulant accounts that were opened in my name if you want to contact them feel free to do so with the information that I have provided in this statement the officer also took photos along with the information that I have provided

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Affirm Holdings, Inc
State: ID

Complaint narrative:
I had filled a police report to the local police department where I live for stolen Identity and fraudulent accounts that were opened in my name it was with the XXXX police department in Idaho I spoke with patrol officer XXXX XXXX badge number XXXX who took my report and gave me a case number XXXX. I explained that I was a victim of Identity Theft and Fruadulant accounts that were opened in my name if you want to contact them feel free to do so with the information that I have provided in this statement the officer also took photos along with the information that I have provided

Company response to consumer: Closed with explanation