vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-25 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: CA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX  XXXX XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$6700.00} XXXX  # XXXX -Date Opened XX/XX/XXXX -Balance {$5100.00}

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 2025-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On XX/XX/year>, I submitted a verified Identity Theft Block Request to Early Warning Services. Early Warning issued written confirmation that the fraudulent XXXX XXXX XXXX XXXX data had been blocked from my consumer file, as required under FCRA 605B ( 15 U.S.C. 1681c-2 ).

However, on XX/XX/year>, I received a letter from Early Warning Services stating that the previously blocked information had been reinserted into my consumer report after an alleged review, claiming the data was accurate and complete. Early Warning failed to provide any certified documentation or written proof of reinvestigation as required under FCRA 611 ( a ) ( 5 ) ( B ).

This reinsertion was done without my consent, without proper certification from the furnisher, and without advance written notice, which are all direct violations of the FCRA. The blocked information was the result of identity theft, and reinserting it knowingly and willfully constitutes a reckless disregard of consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
XXXX  is illegally re-aging the account on my credit report. The delinquency date is being advanced month after month, which makes the account appear newer than it really is. This is a violation of the FCRA and Metro 2 reporting guidelines. I previously disputed this, and Target failed to correct or properly reinvestigate. The account should reflect its original delinquency date, but Target continues to re-age it to keep it actively derogatory. This is causing ongoing credit harm and suppressing my score unfairly. I am requesting CFPB intervention because Target did not correct the reporting when notified, and the re-aging is unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 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: KY

Complaint narrative:
I noticed on my Equifax report that my last name is currently wrong and has been for years. XXXX XXXX. It is XXXX XXXX. I needed a copy of my credit report mailed, and also noticed they have a current address. I sent in my social along with my drivers license which has my current home address along with a bill. Ive sent this numerous times and my dispute keeps coming back denied. I sent requests/disputes on XX/XX/year> XX/XX/year> XX/XX/year> They all came back denied. When I call to request my equifax mailed they try to send it to XXXX XXXX  XXXX XXXX. I do not live there. So they wont send it. They tell me to upload those documents Ive sent numerous times. Its a circle Im  going in with them. I just need my last name and current address updated so I can receive my report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I paid off my Truist mortgage ( loan # XXXX ) on XX/XX/year>. Truist claims to have mailed my {$1700.00} escrow refund on XX/XX/XXXX. It never arrived. 

After multiple calls and delays, a manager promised an overnight replacement on XX/XX/XXXX. The XXXX tracking # XXXX shows Label Created only XXXX  never received the item. Truist still has physical possession of the refund check.

I have called at least six times, requested supervisors, and received no callback or resolution. This delay is preventing payment of property taxes due now. Ive been a Truist customer for over nine years, during which time your institution has collected thousands of dollars in interest from my mortgage account. On the few occasions I was a couple of days late before enrolling in auto-pay, Truist had no hesitation in charging immediate penalties and fees. Yet now, when the situation is reversed and I am owed funds, my request has been met with either malice or incompetence. I have met every obligation expected of me as a borrower ; I expect the same level of accountability from my bank.

This repeated mishandling has caused direct financial harm, as my property taxes are due immediately and this escrow refund was intended to cover that payment. I have been patient for over seven weeks since the loan payoff. Its unacceptable that Truist can not complete a simple disbursement.

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 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Account is settled and Derogatory remarks were added during months of agreed payment. Ive called and this account still exist on 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 2025-10-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
VIA CERTIFIED MAIL TO : Date : XXXX Midland credit management XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX FROM : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Re : Acct # XXXX To Whom It May Concern : I am sending this letter to you in response to a notice I received from you on Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say l owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say l owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 
If your offices have reported invalid information to any of the three major Credit Bureaus XXXX XXXX XXXX or XXXX XXXX said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Best regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: LA

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 2025-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have been lied to, and my money is being illegally restrainednby Fifth Third Bank. 

The bank has unlawfully frozen my account and is refusing to provide a reason or release over {$10000.00} of funds. 

Timeline : upon attempting to purchase a flight via XXXX two weeks ago, there was an initial fraud alert. I waited and called the next day, and was told that they would unlock my accout. Since then, I have made over a dozen attempts, each time with my card being declined- despite it supposedly being unlocked. I have been given contradictory reasons in the past few days, ( i.e. blaming merchants, going against the initial claim of fraud protection ), and now, have been abandoned by customer service mid chat ( I can include the chat screenshot where the agent left ). 

This has stranded you abroad, preventing me from walking into my local branch to clear the situation, as well as keeping me from purchasing a flight home to my family for XXXX. 

Even if I am able to make it in time, ticket prices have risen dramatically over the past two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>, at approximately XXXX XXXX, {$900.00} was stolen from my bank account through an unauthorized XXXX XXXX transaction. I was at home at the time and did not make or approve any purchases. 

My account appears to have been compromised at a Chase Bank branch in XXXX XXXX XXXX, and shortly afterward, the funds were used to make a {$900.00} purchase through XXXX XXXX. I never received any verification text, email, or alert before or after the transaction. 

I immediately contacted Chase and filed a fraud claim, but the bank later closed my case, stating that the transaction was processed through XXXX XXXX. I did not authorize this transaction and have no connection to the purchase or the location where it occurred. I reopened the claim on XX/XX/XXXX with screenshots of my presence at XXXX XXXX  and a picture of a police report. I found out through Chase Customer Service on XX/XX/XXXX that my claim was once again closed. 

I am requesting that Chase reopen my claim and conduct a reinvestigation under Regulation E, as this was clearly an unauthorized electronic funds transfer. I have already changed my XXXX ID password, removed my cards from XXXX XXXX, and requested a new card from the bank to prevent further unauthorized activity. 


Please help me, I live paycheck to paycheck, and this is a significant loss to my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: CA

Complaint narrative:
As a federally protected consumer, I have a right to privacy. A huge part of the FCRA is the privacy of consumer data. My information MUST be dealt with confidentiality and with respect to my right to privacy. This consumer reporting agency is not a bureau. In fact, they are a data broker that was not given any permissible purpose by me to report these items attached. They are defaming my character with this erroneous reporting. Delete all unauthorized items listed in my attached letters and update any late payment history due to the fact that it is misleading and deceptive because I can not be late on my own extension of credit. I am the original creditor. There is no verifiable proof of any late payment! I also attached an invoice for monetary relief since this data broker violated my rights! THESE ITEMS MUST BE DELETED WITHIN 4 DAYS ACCORDING TO FEDERAL LAW!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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:
I am begging you to please take a closer look at this because there are still inaccurate accounts showing on my credit report and they were not removed. I am truly desperate for you to review the documents I attached so I can finally stop living in constant fear over this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX XXXX XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX # XXXX -Date Opened XX/XX/XXXX - Balance {$1600.00} XXXX XXXX XXXX # XXXX -Date Opened XX/XX/XXXX - Balance {$21000.00} XXXX XXXX  # XXXX XXXX Opened XX/XX/XXXX XXXX XXXXXXXX # XXXX -Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX -Date XXXX XX/XX/XXXX - Balance {$6800.00} XXXX XXXX  # XXXX -Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  BANK XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : XXXX XXXX BANK XXXX  # XXXX -Date Opened XX/XX/XXXX XXXX  XXXX # XXXX -Date Opened XX/XX/XXXXXXXX XXXX XXXX # XXXX -Date Opened XX/XX/XXXX - Balance {$710.00} XXXX # XXXX -Date Opened XX/XX/XXXX - Balance {$710.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: DailyPay, Inc
State: OH

Complaint narrative:
I have been using this companys service for XXXX years and never had an issue. Up until the month of XXXX. I was told that I had overdrawn on money transfers and had an overdrawn balance of XXXX which I agree for them to take out of my check. I stopped using the service shortly after and once I received my next check on the XXXX I notice that they have taken {$500.00} and claim its for more fees. I called and spoke with XXXX different advocates and neither of them provided me with information that made sense of an email of the transfer statements that I asked for

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
A late payment on my credit report from JP Morgan. I never with knowledge opened that account and it hurt my credit score significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: NV

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : XXXX # XXXX * * Date Opened XX/XX/year> - Balance {$25000.00}

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 2025-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XX/XX/year>, I thought I was receiving service to get my car fixed. The total purchase was {$1500.00}. I took my car to the mechanic and was told that I had to pay for certain parts. Come to find out the parts that I really needed. It were not the parts that they told me to get. The Mechanic scam me out of {$1500.00}. I paid through XXXX XXXX to pay the Mechanic. When I tried to dispute it with XXXX XXXX, they told me that I would have to dispute it with my bank, which is Chime financial. 

On XX/XX/year>, I disputed the {$1500.00} once its settled in my account. 

On XX/XX/year>, Chime financial concluded that no error occurred. I never received services for the {$1500.00} that I paid and I would like my {$1500.00} back for our scammed out of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: FL

Complaint narrative:
supposed Terms of Service violation, but they will not give me access to retrieve my remaining funds or my tax documents ( such as 1099 forms ) from that account.

When I tried to verify my identity to get my account reinstated or even make a new account, the system denied me because my personal information ( including my Social Security number ) is attached to the account that Cash App marked as violating their terms. 

Because of this, I am completely blocked from : Accessing money that still belongs to me, Getting my tax forms needed for filing, and Using Cash App under my legal identity. 

Cash App has not provided any clear explanation of what part of the terms I supposedly violated, and they have not provided any way to appeal or recover my funds or documents. Their support responses are automated or generic, and I have not been able to reach a real person for help. 

This has caused financial hardship and could create tax-filing problems since I can not access my 1099-K or related tax records. 



What I think would be a fair resolution : 1. Return my remaining balance to my linked bank account or mail a check.

2. Provide copies or access to all tax documents associated with my old account.

3. Remove the identity lock or provide a formal written explanation of why my Social Security number is permanently restricted. 
4. Improve the appeal or support process for customers locked out of their accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXXXXXX # XXXX -Date Opened XX/XX/XXXX - Balance {$300.00} XXXX XXXXXXXX # XXXX -Date Opened XX/XX/XXXX - Balance {$1600.00} XXXX XXXX XXXX # XXXX -Date Opened XX/XX/XXXX - Balance {$21000.00} XXXX XXXX XXXX # XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX -Date XXXX XX/XX/XXXX - Balance {$6800.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief