vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XX/XX/year> I deposited a work check. This check from XXXX. Deposited in my chase bank account by me. I opened this account in XXXX. I had not used the account much. On XX/XX/XXXX I received a notice that my account was being restricted for fraudulent activity. On XX/XX/XXXX I spoke to a chase bank representative who explained my account had been flagged for the check I had deposited. The XXXX XXXX XXXX printed work check. Not a hand written check. On XX/XX/XXXX the account was closed and the funds I had were reissued to me. Expect for the work check that is still today XX/XX/XXXX. They explained the check needed to be verified by the creator. On XX/XX/XXXX XXXX requested a stop pay. Chase did not respond. On XX/XX/XXXX, XXXX and XXXX I spoke with multiple agents explaining the XXXX payroll office on XXXX is remote. Chase has done nothing on their end to verify or return this check. Furthermore chase bank allowed the funds to be deposited and sit in the account for 12 days. Chase bank has not given me and valid explanation on what about the check or my account was fraudulent. Chase bank has done very little to assist in resolving this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
I am writing to address an outrageous violation of my rights under federal law. You have unlawfully and knowingly reinserted an account that was previously deleted from my credit report without providing the legally required notice. This is a direct and willful violation of the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 5 ) ( B ).

The following account was previously deleted after a lawful dispute process, but it has now been reinserted on my credit file without : Written notice of reinsertion within five ( 5 ) business days, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ) Certification of accuracy from the data furnisher, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ( i ) INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 explanation
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
I am writing to address an outrageous violation of my rights under federal law. You have unlawfully and knowingly reinserted an account that was previously deleted from my credit report without providing the legally required notice. This is a direct and willful violation of the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 5 ) ( B ).

The following account was previously deleted after a lawful dispute process, but it has now been reinserted on my credit file without : Written notice of reinsertion within XXXX ( XXXX ) business days, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ) Certification of accuracy from the data furnisher, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ( i ) XXXX, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-17 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: SC

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. XXXX XXXX XXXX - XX/XX/XXXX 2. XXXX XXXXXXXX XXXX - XX/XX/XXXX 3. XXXX XXXX XXXXXXXX - XX/XX/XXXX 4. XXXX XXXXXXXX XXXX - XX/XX/XXXX 5. XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: PA

Complaint narrative:
I am filing a complaint against Discover for denying a dispute on a {$5200.00} transaction despite proof that the purchased item was returned and received by the merchant. 
Key Details : Purchase Date : XX/XX/year> Item Delivered : XX/XX/year> Item Returned via XXXX : XX/XX/year>XXXX XXXX Delivery Confirmation : XX/XX/year> Dispute Denied by Discover : XX/XX/year> I provided Discover with : Proof of return shipment XXXX delivery confirmation showing the merchant received the item Documentation of the merchants return policy Despite this, Discover denied the dispute and claimed the transaction was valid, without adequately addressing the return evidence or explaining the reasoning for denial. 

I am requesting the CFPBs assistance in holding Discover accountable for protecting consumers when merchants fail to honor valid returns. I would like the {$5200.00} to be refunded to my account. 

Thank you for your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-06-17 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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 was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS XXXX XXXX XXXX  AND SHOULD NOT BE REPORTED XXXX. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-06-17 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: UT

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ DEPTED/XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  ] Account Number : [ 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
Consumer complaint received 2025-06-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
XX/XX/XXXX I had my identity stolen. Someone hacked into my Sims card. Went into my bank account. Went into my emails. Tried to open credit cards. Tried to take out loans. They successfully got XXXX through XXXX XXXX for around {$3100.00}. I called XXXX XXXX as soon as i got my phone unlocked & told them what happened. They told me they were going to send a paper to my email so I could make a police report with it & once i did that to send the police report to them bc this stuff happens all the time. Sadly I didn't know they had hacked into my emails. So I had to call them back and have them resend it to my boyfriends email so I could make the police report. So that same day I did the police report. I filed paper with with the FTC tell tell them what was going on. Froze all my credit scores. Then I figured out a couple days later the hackers had made another bank account in my name and that's where the loan had went. Once I figured that out I shut down the account & put it into an investigation as well. I have talked to XXXX XXXX EVERy time they have called & want money. They keep saying there is no proof that this was an identity stolen situation & they think I took out the loan. My daughter is XXXX! I can not work! I don't have a job. I have no money to give. If I wanted to take out a loan I couldn't. This has been a nightmare! They have ruined my credit through all of this. 

The bank account opened that wasn't mine was through XXXX. I've talked to them a lot as well & I've gone into the banks trying to get info. But the account was open all online so they can't trace who it was. A nice lady gave me her name & direct line to give to XXXX XXXX so we could get it all figured out bc there was a remaining balance in the account. Not all of the loan was taken. So XXXX XXXX had received some of the money back. Even with all of this XXXX XXXX  still sends me emails saying there isn't enough proof!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: SLM CORPORATION

Complaint narrative:
XXXX an XXXX  student who has been accepted into the XXXX  program at The XXXX  XXXX University. XXXX trying to apply for a XXXX  student loan to help cover my tuition, but I dont know where to start. 
This is my first time dealing with student loans, and the process is very confusing and overwhelming. XXXX not sure which lenders work with XXXX  students, what documents are required, or how interest rates and repayment work. I would really appreciate clear guidance and support.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I am a victim of Identity theft, that began in XX/XX/XXXX. On XX/XX/XXXX, i received a letter dated XX/XX/XXXX in the mail from Santander with an attached debit card to activate. I did not open this checking account and have never had any account with Santander. I called them immediately to report this fraud and they said they would cancel the card and have their fraud dept close the attached account. On XX/XX/XXXX, i received another letter from Santander referencing this checking account. I called them again, and was advised that the debit card was closed/blocked but the attached checking account was still open. I spoke with the fraud dept demanding they close this fraudulent account. They said, again, they would investigate and i requested a letter be sent to me verifying this account is closed & that i also want my SSN flagged in their system - as a victim of Identity theft. As of today, i have still not received any confirmation as requested from them to evidence this account is closed due to 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 2025-06-17 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) 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 XXXX 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 XXXX XXXX XXXX REMOVED from my credit report, except for XXXX XXXX XXXX XXXX XXXX listed below : 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 XXXXXX/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
Consumer complaint received 2025-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I had unauthorized transactions on my cash app account and when tried to reach out I couldnt reach anyone because they didnt have a resource contact for fraudulent transactions so I pretty much had given up and I never game my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 TILA XXXX Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2025-06-17 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: NC

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-06-17 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: OK

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit report all of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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:
On XX/XX/year>, I filed a formal dispute with Equifax regarding multiple inaccurate accounts and unauthorized hard inquiries that do not belong to me. I specifically requested that Equifax verify each item with original documentation including signed contracts or inquiry authorization before continuing to report them. 

Instead of providing verification, Equifax closed the investigation on XX/XX/year>, and marked the items as verified without offering a single document to support their accuracy. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) 1681i, which requires credit reporting agencies to conduct a real reinvestigation and verify disputed information using documented evidence.

Equifaxs refusal to delete unverifiable information has resulted in further damage to my credit profile. During the dispute process, my credit score dropped, and the same delinquent and inaccurate accounts continue to report making matters worse, not better. Their actions are not only negligent they are harmful. 

I am no longer requesting a correction or re-review. I am demanding immediate deletion of every disputed item for failure to comply with the FCRA and failure to verify with proper documentation. 

If Equifax can not produce legally valid evidence that these accounts and inquiries belong to me, they are required by law to remove them. I expect full deletion without delay. Anything less will result in further complaints and legal escalation.

Company response to consumer: Closed with explanation