vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: NE

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am one of the named payees on two checks issued by XXXX XXXX XXXX XXXX for {$7400.00} dated XX/XX/year>, and XXXX for {$1200.00} dated XX/XX/year>. These checks were escrow refunds made payable to XXXX XXXX XXXX and XXXX XXXX XXXX in connection with a jointly held mortgage loan that was previously serviced by XXXX XXXX. 

In XXXX, XXXX XXXX ( former boyfriend broke up 3 years ago ) contacted XXXX XXXX to close the escrow account, and he changed the mailing address on file without my knowledge or consent. As a result, both refund checks were sent to his residence. I never received copies at the time. 

XXXX XXXX then endorsed and deposited both checks into his personal Chase account without notifying me or obtaining my endorsement. Upon later review of the check images, I found that : The back of each check contains no signature from me, only the handwritten phrase For Deposit Only and his account number by avoiding signing his signature. 

The checks were accepted for deposit by Chase Bank, even though they were made payable to XXXX individuals and lacked proper endorsement from both. 

Under UCC 3-110 ( d ), checks made payable to two individuals ( without " or '' ) require endorsement by both parties. Chases acceptance of these checks without my endorsement is a violation of this legal standard. 

When I contacted Chase and provided supporting documentation, they declined to help and claimed that because I was not on the deposit account, they could not take action ignoring the fact that I was named on the checks and had legal ownership of the funds. 

I believe Chase failed to follow required banking procedures for joint-payee checks and enabled an unauthorized deposit that resulted in financial harm to me. I am requesting that Chase be required to : Return my share of the misappropriated funds, Provide a full investigation and response, and Be held accountable for wrongfully accepting a check without required endorsements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: MI

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-07-09 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 concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION

Complaint narrative:
I have an account created at Triest Bank, my transfer was not completed despite the payment of all costs, mediated by XXXX XXXX XXXX  through gmail Every time it requires more values sometimes doubling the price It caused me huge loss 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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX for failure to respond to my dispute letter dated XX/XX/year> regarding the inaccurate reporting of my account as a charge-off on my credit report. Despite the fact that my account currently shows a {$0.00} balance across all three major credit bureaus ( XXXX XXXX, and Equifax ), XXXX continues to report the account as a " Charge-off '' status, which is incorrect. I have disputed this information multiple times, and yet the account remains inaccurately reported. 
I have enclosed a summary of the credit report entries below for your reference : XXXX  : Account shows " Charge-off '' with {$0.00} balance owed. 


XXXX  : Account shows " Charge-off '' with {$0.00} balance owed. 


Equifax : Account shows " Charge-off '' with {$0.00} balance owed. 


This inaccurate reporting of the account as a " Charge-off '' is harmful to my credit score and financial wellbeing. I am requesting that XXXX XXXX XXXX XXXX ( XXXX ) remove this account from my credit report entirely as it is being reported incorrectly. 
The following points explain the basis of my complaint : No balance owed : My credit report clearly indicates that there is no balance owed on this account, yet the account is still being reported as a " Charge-off '' by XXXX, which is misleading and incorrect. 


Failure to resolve dispute : I sent a dispute letter to XXXX XXXX XXXX XXXX ( XXXX ) in accordance with the Fair Credit Reporting Act ( FCRA ), and despite the fact that the dispute was not resolved, the account continues to appear inaccurately on my credit reports. 


Violation of the FCRA : Under the Fair Credit Reporting Act ( FCRA ), I believe XXXX has failed to properly investigate and address my dispute in a timely manner. The account is being reported inaccurately, which is negatively affecting my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX XXXX ( XXXX ) for failure to respond to my dispute letter dated XX/XX/year> regarding the inaccurate reporting of my account as a charge-off on my credit report. Despite the fact that my account currently shows a {$0.00} balance across all three major credit bureaus ( XXXX, Experian, and XXXX ), XXXX continues to report the account as a " Charge-off '' status, which is incorrect. I have disputed this information multiple times, and yet the account remains inaccurately reported. 
I have enclosed a summary of the credit report entries below for your reference : XXXX  : Account shows " Charge-off '' with {$0.00} balance owed. 


Experian : Account shows " Charge-off '' with {$0.00} balance owed. 


XXXX : Account shows " Charge-off '' with {$0.00} balance owed. 


This inaccurate reporting of the account as a " Charge-off '' is harmful to my credit score and financial wellbeing. I am requesting that XXXX XXXX XXXX XXXX ( XXXX ) remove this account from my credit report entirely as it is being reported incorrectly. 
The following points explain the basis of my complaint : No balance owed : My credit report clearly indicates that there is no balance owed on this account, yet the account is still being reported as a " Charge-off '' by XXXX, which is misleading and incorrect. 


Failure to resolve dispute : I sent a dispute letter to XXXX XXXX XXXX XXXX ( XXXX ) in accordance with the Fair Credit Reporting Act ( FCRA ), and despite the fact that the dispute was not resolved, the account continues to appear inaccurately on my credit reports. 


Violation of the FCRA : Under the Fair Credit Reporting Act ( FCRA ), I believe XXXX has failed to properly investigate and address my dispute in a timely manner. The account is being reported inaccurately, which is negatively affecting 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 2025-07-09 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: GA

Complaint narrative:
I am writing to file a formal complaint against XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX for failure to respond to my dispute letter dated XX/XX/year> regarding the inaccurate reporting of my account as a charge-off on my credit report. Despite the fact that my account currently shows a {$0.00} balance across all three major credit bureaus ( TransUnion, XXXX XXXX XXXX ), XXXX continues to report the account as a " Charge-off '' status, which is incorrect. I have disputed this information multiple times, and yet the account remains inaccurately reported. 
I have enclosed a summary of the credit report entries below for your reference : TransUnion : Account shows " Charge-off '' with {$0.00} balance owed. 


XXXX  : Account shows " Charge-off '' with {$0.00} balance owed. 


XXXX  : Account shows " Charge-off '' with {$0.00} balance owed. 


This inaccurate reporting of the account as a " Charge-off '' is harmful to my credit score and financial wellbeing. I am requesting that XXXX XXXX XXXX XXXX ( XXXX ) remove this account from my credit report entirely as it is being reported incorrectly. 
The following points explain the basis of my complaint : No balance owed : My credit report clearly indicates that there is no balance owed on this account, yet the account is still being reported as a " Charge-off '' by XXXX, which is misleading and incorrect. 


Failure to resolve dispute : I sent a dispute letter to XXXX XXXX XXXX XXXX ( XXXX ) in accordance with the Fair Credit Reporting Act ( FCRA ), and despite the fact that the dispute was not resolved, the account continues to appear inaccurately on my credit reports. 


Violation of the FCRA : Under the Fair Credit Reporting Act ( FCRA ), I believe XXXX has failed to properly investigate and address my dispute in a timely manner. The account is being reported inaccurately, which is negatively affecting 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 non-monetary relief
Consumer complaint received 2025-07-09 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: GA

Complaint narrative:
15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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 2025-07-09 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: TX

Complaint narrative:
customer service continuously refuses to help me. They say I have a fraud alert on my account and send me to fraud. Fraud department after holding for an hour tells me I don't have any issues. Its circular and I can't get to my money. I think they are doing this on purpose to charge excessive fees and make interest on my money while they prevent me from getting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX RE : Formal Dispute Refusal to Remove Fraud Alert and Correct Name Despite Timely Identity Documentation ( Submitted XX/XX/year> ) To Whom It May Concern, I am writing to file a formal dispute against Equifax for refusing to : Remove a fraud alert from my credit file that I no longer authorized or requested. 

Correct an inaccurate name appearing in your system. 



These issues persist despite my timely submission of proper identity documentation on XX/XX/year>, which included : An official FTC Identity Theft Report ( Report # : [ Insert FTC Report Number ] ) A copy of my valid drivers license Recent utility bills reflecting my correct legal name and current address Equifax has since claimed that these documents were only good for 90 days, and therefore refused to take corrective action. This is factually and legally incorrect. Nowhere in the Fair Credit Reporting Act ( FCRA ) does it state that government-issued ID or supporting documentation expires 90 days after submission for the purpose of resolving a dispute or correcting personal identifying information.

Further, Equifax is obligated under : FCRA 1681c-1 ( b ) to remove a fraud alert upon the consumers direct request FCRA 611 ( a ) to correct inaccurate personal information upon receiving appropriate documentation FCRA 1681g ( a ) to disclose the consumers full file and describe the procedure used to determine the accuracy of disputed information Your failure to act on a valid dispute submitted on XX/XX/year> is a clear violation of federal law. 



I am demanding the following actions within 15 days : Immediate removal of the fraud alert from my credit report Immediate correction of my legal name, as established by the documentation you received A full updated copy of my Equifax credit file A written explanation of the procedures you followed and why you believe my documentation did not meet your requirements Written confirmation that the inaccurate information has been corrected in accordance with the FCRA If you do not comply with this request, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the XXXX  Attorney Generals Office. Additionally, I am prepared to initiate legal action for your willful and negligent violations of the FCRA. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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:
his CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Verify Account 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX XXXX XXXX account have resulted in fraudulent collection appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and 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 2025-07-09 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: CA

Complaint narrative:
I am filing a complaint against PayPal for removing approximately {$600.00} from my account without any specific explanation or evidence on XX/XX/year>. I received a vague notice stating the funds were withdrawn due to restricted activities and liability incurred by PayPal, but they did not provide : Any details about what specific violation I allegedly committed What financial damages or fines were actually incurred Any documentation supporting their claim This lack of transparency violates my rights as a consumer under U.S. financial protection laws and the Electronic Fund Transfer Act. I reached out to PayPal to request clarification, and they refused to provide any further details beyond their generic, automated response.

I believe this action by PayPal constitutes an unfair business practice, and I am requesting assistance in recovering my funds or at least receiving a formal itemized justification for the withdrawal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc.
State: GA

Complaint narrative:
MONEYLION has failed to conduct a proper investigation. They have violated 15 usc 1681s- 2b A-E and they have not even considered all relevant information regarding the dispute because the inaccuracies are all the same still. This account was also not even marked as disputed on my credit reports so this is a clear indication that these disputes were not processed correctly. This is a violation of 1681n and 1681o for being negligent and willfully non compliant. These debts are also been securitized in a trust so ( Original creditors name ) does not even own the debt anymore. Which is another inaccuracy for putting on my credit report

Company response to consumer: Closed with explanation