vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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: ALEXANDER-ROSE ASSOC, INC.
State: TX

Complaint narrative:
In XX/XX/year>, XXXXXXXX XXXX XXXX XXXX XXXX  TX had represented me on a civil case that had the potential to be difficult. They made me sign a document that I would pay {$5000.00} if the case went forward. I paid {$1000.00} upfront, had two meetings for 2 hours with the attorney and a government official in total. When we learnt that there was no legal issue, I assume she worked on the case a couple more hours. Then I told them I couldnt afford to pay and since we were lucky that the case didnt exist anymore, they should use the payment to net off the hours spent. 
They overbilled me for XXXX hours instead of XXXX or XXXX hours and XXXX being generous when I say XXXX hours because we only met for XXXX hours in total, but I assume she must have spent some time on research. 
They never sent me a bill and suddenly I saw {$3000.00} on my collection in my credit report. 
I can not pay for what I never knew about or for work that was never done and so therefore I am reporting this law firm and the collection agency Alexander Rose associates for predatory practices and an attempt to get money for work not done. Which is a pity because I actually like my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: DC

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 2025-06-26 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: TX

Complaint narrative:
Equifax your response to CFPB complaint was not answered XXXX { I request that the CFPB step in on this matter } I request method of verification { show proof }. Equifax you admit that you electronically send and receive information that is illegal { XXXX, XXXX, XXXX act } look it up, I see that the third party is claiming they are the original creditor and you are reporting it, also this alleged account is closed { not Open } I request the information listed under the fair debt collection practice act You are required to respond with the documents to properly vaildate it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: CA

Complaint narrative:
Im writing to demand the immediate removal of a fraudulent account that has appeared on my credit report. This account was opened without my knowledge or consent and is a direct result of unauthorized use of my identity. 

Let me be absolutely clear : I did not apply for, open, or authorize this account in any way, shape, or form. I have no affiliation with the company behind it, and Ive never had any communication or relationship with them. The presence of this account on my credit file is the result of identity theft plain and simple and it is both inaccurate and damaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Sir/Madam, I looked at my credit report and noticed you have reported The following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681b ( 2 ) and the FCRA section 605B it is illegal to report anything on my credit report without my permission. Please remove these : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also keep in mind that you are required to delete this no later than 4 days after you receive this dispute from me. 

Thanks, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
My husband was suffering from serious health issues and ultimately passed away. During that time, I was placed on a hardship program due to overwhelming emotional and financial strain. I believed my payments were being handled through automatic withdrawals as part of the arrangement, but I later discovered that my bank had blocked or denied several of those transactionssomething I wasnt aware of until months later. 

Despite the hardship, I did everything I could to stay on track and made payments in good faith. Since that time, Ive maintained a perfect payment record and have kept the account in good standing. 

When I later requested documentation of the hardship plan to support my case and dispute the reported late payments, I was told the creditor doesnt provide such paperwork. Ive already tried disputing the marks and asking for goodwill adjustments but was denied. 

This situation has deeply affected me, as I was navigating grief, caring for my children, and trying to stay financially responsible. Im requesting the removal of the negative marks from my credit report, as they do not fairly represent my payment history or intent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: MI

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: Early Warning Services, LLC
State: MA

Complaint narrative:
Failed to block or delete fraudulent information in violation of 15 U.S.C. 1681c-2 ( b ) Failed to conduct a reinvestigation within the 30-day timeframe as required by 1681i ( a ) ( 1 ) ( A ) Failed to provide any written confirmation of results or corrective action Maintained inaccurate, damaging, and unlawful data in violation of 1681e ( b ) It has now been more than 200 days since my submission. This grossly exceeds the FCRA 's allowed window and establishes a pattern of reckless disregard for your legal obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, a cash deposit of {$19000.00} was made into my Chase account at the XXXX XXXX branch ( # XXXX ) in New Jersey. I did not make or initiate this deposit, was not present at the branch, and did not authorize or participate in the physical transaction. My understanding is that the deposit was made by someone who had access to my account and routing number. 

I was informed that the purpose of the deposit was to provide financial support to my cousin and his family overseas, and that the funds were meant specifically to be transferred through me to help them. Acting on this understanding and assuming the transaction had been processed correctly by Chase I followed through by assisting them financially. 

At no time did I receive a call, alert, or any verification request from Chase regarding the deposit. I was not asked to verify my identity. After confirming that the funds were available in my account through the Chase app and in person at a branch, I withdrew a portion and sent it using XXXX XXXX as instructed. 

Shortly thereafter, Chase abruptly closed my account without warning or explanation. When I called to ask why, customer service said they could not disclose the reason. Later, during a meeting at a branch, a Chase banker told me it was possible that the teller who processed the deposit did not request ID from the person who physically made the deposit a major failure in compliance procedure if true. 

This raises serious questions : If the deposit was potentially tied to suspicious activity, why was the deposit accepted at all? 
Why were the funds made immediately available without review? 
Why was I allowed to withdraw and move the money, only to be penalized afterward? 
And most importantly, why was my account shut down while the person who made the deposit in person appears to have faced no consequence? 

I now believe there is a real possibility that the deposit could have been related to improper or even money-laundering activity but I was not aware of that at the time, nor did I have the ability to screen the transaction. I was simply following instructions and trusting that Chase as a major national bank had accepted the deposit through the proper channels. 



As a result of this event, I have suffered : Closure of my personal bank account without clear reason or warning, Disruption to my financial life, Emotional stress, And uncertainty about whether I have been reported to consumer banking databases such as XXXX  or XXXX XXXX XXXX 
I am fully willing to cooperate with any investigation and provide further details as needed, but I ask that Chase acknowledge that I acted in good faith and that the origin of this situation lies in a breakdown of frontline compliance policy and deposit handling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
b'I regularly receive emails regarding charges and payments on a Pay Pal Account which I may not have and. cannot reach the company to close or stop what appears to be scam charges?\n\nAs an example I have received notice of a payment of XXXX for XXXX XXXX XXXX from XXXX XXXX of Pay Pal, XXXX XXXX XXXX XXXX.  Since I am not aware of either this purchase or nor wish to be associated with any Pay Pal account, I am unable to contact the Company nor close the account.\n\nThis may be continuous reoccurring fraudulent purchases.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: TX

Complaint narrative:
I have submitted multiple formal dispute letters toTRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding the conduct of Barclays Bank Delaware, issuer of the XXXX XXXX XXXX, headquartered in XXXX, DE XXXX. 

Barclays issued me a balance transfer check associated with the above-mentioned credit card. I used XXXX of these checks to pay off an existing credit card with XXXX XXXX XXXX. However, Barclays declined the check without prior notification or any explanation, which resulted in a failed payment and a negative impact on my credit history. 

This is not the first time I have experienced such an issue with this card. I had a similar situation previously, which was also not addressed appropriately by the bank. The repeated failure of Barclays to honor their own issued checks, without due communication, reflects poorly on their consumer practices and has caused direct harm to my credit profile. 

Amount - XXXX Check Number - XXXX Balance transfer check deposited on XX/XX/year> Check declined on XX/XX/year> I am requesting the following : A formal investigation into Barclays Banks handling of balance transfer checks. 

Clarification on why the check was declined. 

XXXX steps to remedy any damage caused to my credit history. 

XXXX that such incidents will not recur.

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 2025-06-26 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: MI

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX 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 following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX MI XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$18000.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00}

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 non-monetary relief
Consumer complaint received 2025-06-26 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED.

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2025-06-26 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:
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 explanation
Consumer complaint received 2025-06-26 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 1. XXXXXXXX XXXX XXXX - XX/XX/XXXX 2. XXXX XXXXXXXX XXXX- XXXX XXXX, XXXX 3. XXXX XXXX - XX/XX/XXXX 4. XXXX - XX/XX/XXXX 5. XXXX XXXX - XX/XX/XXXX 6. XXXX XXXX XXXX- XX/XX/XXXX 7. XXXX XXXX - XX/XX/XXXX 8. XXXX - XXXX XXXX, XXXX 9. XXXX - XX/XX/XXXXXXXX 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 2025-06-26 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:
In accordance with the Fair Credit Reporting act XXXX  Accounts ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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