vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Good Afternoon, This complaint is related to signing up as a patient for XXXX XXXX for XXXX XXXX ( XXXX ), a XXXX XXXX XXXX 
My encounter began on XX/XX/year>XXXX  with a goal of achieving XXXX via XXXX XXXX process. 
XXXX 's policy and FAQs stressed the fact that all payments for services to be completed before. Before an appointment will be scheduled to determine by baseline and subsequent visits to monitor and evaluate readiness for this procedure. 
For this procedure, I paid {$6900.00} on XX/XX/scrub>XXXX 
The next day, on XX/XX/year>, I received an email from one of the providers, advising me of the termination of all plans already discussed. 
My expectation was to have the {$6900.00} already paid the previous day to be refunded back to me. 
However, it was never refunded. 
I filed a claim with my bank, chase bank but was informed it can not be investigated because it is over 60 days since the transaction. 
After several tries, the bank has denied investigating my claim forward because it has been over 60 days. 
So, I am reaching out to you for additional support in claiming back this money which I never received the service it was intended for. 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: UT

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 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 2025-08-25 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: NV

Complaint narrative:
I am writing to dispute inaccurate personal information currently listed on my credit report. Upon reviewing my report, I found incorrect details under my personal profile, such as outdated or unfamiliar names, addresses, phone numbers, and/or employment history. 
I have not used or been associated with some of the information listed, and the presence of these inaccuracies could result in misidentification, confusion with other individuals, or even potential fraud. I have already submitted requests for correction and provided documents to verify my true and current information, yet the errors remain unresolved. 
These inaccuracies are not only misleading but could also impact future credit decisions. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all personal information in my credit report is accurate and up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS XXXX XXXX XXXX  Account Number : XXXX, Date Opened : XXXXXXXX, Balance : {$1300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: MD

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-25 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: NV

Complaint narrative:
I am writing to dispute inaccurate personal information currently listed on my credit report. Upon reviewing my report, I found incorrect details under my personal profile, such as outdated or unfamiliar names, addresses, phone numbers, and/or employment history. 
I have not used or been associated with some of the information listed, and the presence of these inaccuracies could result in misidentification, confusion with other individuals, or even potential fraud. I have already submitted requests for correction and provided documents to verify my true and current information, yet the errors remain unresolved. 
These inaccuracies are not only misleading but could also impact future credit decisions. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all personal information in my credit report is accurate and up to date.

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 2025-08-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: VA

Complaint narrative:
Opened a new bank account with SoFi bank 2 weeks prior to my account getting hacked and charged {$1400.00} from XXXX XXXX XXXX. Called the bank and spoke to two different people and they said they will call me back regarding the issue after 10 days. The charge was on XX/XX/year> and I called again on XX/XX/year> and still they said wait another 10 days..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: IL

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts being reported. These inaccurate remarks have been detrimental to my life and my credit health. 

I am a victim of identity theft. Several accounts and inquiries, including student loans and credit accounts, were opened without my knowledge or permission. I am actively disputing these fraudulent accounts with the credit bureaus and contacting the creditors involved. Despite my efforts, these accounts remain on my credit report and continue to negatively affect my credit. 

I am requesting assistance in resolving these disputes and ensuring that my credit report accurately reflects my financial history.

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 2025-08-25 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: IL

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts being reported. These inaccurate remarks have been detrimental to my life and my credit health. 

I am a victim of identity theft. Several accounts and inquiries, including student loans and credit accounts, were opened without my knowledge or permission. I am actively disputing these fraudulent accounts with the credit bureaus and contacting the creditors involved. Despite my efforts, these accounts remain on my credit report and continue to negatively affect my credit. 

I am requesting assistance in resolving these disputes and ensuring that my credit report accurately reflects my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 XXXX XXXX XXXX XXXX  : {$1600.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Date : XX/XX/year>XXXX  To : Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington , DC XXXX Subject : Formal Complaint Against Chase Bank Regarding Mishandled USPS Money Order Dear CFPB Representative, We are submitting a formal complaint against JPMorgan Chase Bank regarding their mishandling of a {$990.00} USPS money order deposited into our checking account ( Account No. XXXX ). Chase Bank reversed the deposit and returned only a copy of the money order labeled legal tender, which the United States Postal Service does not accept. 
Despite our legal demand dated XX/XX/year>, and a follow-up letter sent on XX/XX/year>, Chase Bank has failed to respond or resolve the issue. We are now requesting the CFPBs assistance in recovering either the original USPS money order or reimbursement of the {$990.00}. 
Attached Documents : Original legal demand letter ( XX/XX/year> ) Follow-up demand letter ( XX/XX/year>XXXX  ) Copy of the returned USPS money order Any correspondence from Chase Bank ( if applicable ) We appreciate your attention to this matter and look forward to your support in resolving this issue. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Follow-Up Demand Letter ( XX/XX/year>XXXX  ) From : XXXX XXXX XXXX XXXX XXXX To : Chase Bank Subject : Second Request for Return of Original XXXX Money Order ( {$990.00} ) or Reimbursement Dear Chase Bank , We are writing to follow up on our initial legal demand dated XX/XX/year>, regarding the USPS money order in the amount of {$990.00} that was deposited at your branch and subsequently returned to us as a copy labeled legal tender. As of today, XX/XX/year>, we have not received a response or resolution from your institution. 
As stated in our previous correspondence, the copy provided by Chase Bank is not redeemable by the United States Postal Service, and your representatives advice to use the copy as legal tender has proven inaccurate. 
Requested Action : We respectfully request that Chase Bank take one of the following actions within five ( 5 ) business days of receiving this letter : Return the original {$990.00} USPS money order OR Deposit {$990.00} into our checking account ( Account No. XXXX ) Failure to respond or resolve this matter may compel us to pursue further legal remedies, including filing a formal complaint with the CFPB and other regulatory bodies. 
Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: AZ

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed several times on the Bankruptcy report on my file. I have requested it 4 times for them to send me the information. I have filed a complaint with CFPB, and we got the same response back ; it's verified. however, Experian refuses to disclose how they verified the information. I have sent them a letter showing from the Bankruptcy court that they did not verify with the bankruptcy court, nor will the court verify it to Experian. Experian needs to remove it from my credit report because they did not verify it with the court that the information was accurate

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 2025-08-25 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: IN

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: Early Warning Services, LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX ID : XXXX SSN : XXXX ID Type : Drivers License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX  ( Open Date : XX/XX/year> ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX  ( Open Date : XX/XX/year> ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warning Consumer report immediately! Ive attached a Copy of the report to this request. 

Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: MI

Complaint narrative:
I am a victim of identity theft. My personal information was used without my authorization to open several fraudulent accounts, which are now appearing on my credit report. I have never applied for or used these accounts, and they were opened without my knowledge or consent. 

I submitted an official FTC Identity Theft Report, along with proof of my identity and supporting documentation, to the three major credit bureaus. I requested the immediate removal of these fraudulent accounts in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681c-2, which requires the deletion of any account resulting from identity theft and prohibits consumer reporting agencies from including such accounts once a valid identity theft report has been submitted. 

Despite following the legal process, the following fraudulent accounts remain on my credit reports :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: MI

Complaint narrative:
I am a victim of identity theft. My personal information was used without my authorization to open several fraudulent accounts, which are now appearing on my credit report. I have never applied for or used these accounts, and they were opened without my knowledge or consent. 

I submitted an official FTC Identity Theft Report, along with proof of my identity and supporting documentation, to the three major credit bureaus. I requested the immediate removal of these fraudulent accounts in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681c-2, which requires the deletion of any account resulting from identity theft and prohibits consumer reporting agencies from including such accounts once a valid identity theft report has been submitted. 

Despite following the legal process, the following fraudulent accounts remain on my credit reports :

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