vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-17 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: NC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX  Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Date : XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX : Compliance Department XXXX. XXXX XXXX XXXX, TX XXXX RE : Unauthorized or Duplicate Hard Inquiry Dated XX/XX/year> Dear XXXX XXXX  XXXX XXXX, I am writing to dispute a duplicate and potentially unauthorized hard inquiry that your institution placed on my credit report dated XX/XX/year>. I had previously applied for credit with XXXX XXXX XXXXXXXX XXXX on XX/XX/year>, and I did not initiate or authorize a second inquiry on or around XX/XX/XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), a hard inquiry may only be conducted with my explicit authorization and for a permissible purpose. There is no justification for two hard inquiries within such a short window for a single application. 

Therefore, I am formally requesting the following : 1. That XXXX XXXX issue a request to all credit bureaus ( XXXX Equifax, and XXXX XXXX to remove the XX/XX/year> inquiry immediately. 
2. That your compliance team provide a written explanation of the second inquiry and indicate whether a separate application was submitted. 

Under FCRA 604 ( a ) ( 2 ) and 604 ( f ), any inquiry without my consent constitutes a violation of federal law. If the second inquiry was the result of a system error or duplicate pull, I respectfully request you take immediate corrective action to preserve the accuracy of my consumer file. 

Please respond in writing within 15 days. Ive enclosed a copy of my government-issued ID and proof of address for identity verification. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: NC

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 : [ XXXX ] Account 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 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
b'This is my second notice to Chase bank regarding the fraudulent activity with XXXX  with checking account ending in XXXX. They failed to respond to the first notice \n\nCert Mail #: XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nI am reporting fraudulent activity conducted through XXXX  on my Chase checking account. In XXXX XXXX  I submitted a formal written notice of fraud to Chase regarding an unauthorized transaction where they falsely claimed I "sent myself a XXXX"  a function that is not even permitted by XXXX  system.\n\nChase failed to follow its regulatory obligations under Regulation E (12 CFR 1005.11), including:\n\nFailing to complete an investigation within XXXX  business days\n\nFailing to provide provisional credit during the investigation\n\nFailing to issue written findings or evidence of their denial\n\nIgnoring my written dispute entirely\n\nCharging off the account and reporting it negatively to the credit bureaus\n\nI gave them lawful presentment in writing in April. They have remained in silence, in default, and in dishonor, despite being legally required to act.\n\nI am currently finalizing an administrative judgment process against Chase for their failure to respond. They have harmed me financially and reputationally by ignoring a clear report of fraud and refusing to correct the damage.\n\n\n\nmilitary id and SSC attached 1099c attached for proof of address\n\nThank yoU!'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: VA

Complaint narrative:
This involves the Apple Titanium Card, operated by Goldman Sachs, which I have had this card for a few years and have never had a problem with any payments. 
Payment options are via Apple Cash or through a linked bank account ( ABA and account number ). 
The standard process is make an electronic payment, then both account balance and available credit changes reflect immediately. 
On Monday, XX/XX/XXXX, I made a payment via the Apple Card app to XXXX XXXX  my balance ( {$2100.00} ). 
Once the payment was complete and I received notification of the payment being received, I closed out the app and didn't think about it. 
On Wednesday, I had a previously scheduled payment for services declined due to insufficient available credit. This alerted me to the problem. 
Through multiple phone calls and chat sessions with Goldman Sachs Customer Service, no one could give me a legitimate reason for a payment hold. In each session, the customer service representative ( or later the supervisors ) gave me the following reasons in the same order. 
First, that I paid with a new account. When I point out that I have had this account linked for years, the individual moves on to the next " reason. '' Second, that I have not used that account recently to make a payment. When I point out that I use this same account at least once per month, the individual moves on to the next " reason. '' Third, that I paid more than " usual. '' When I point out that I make payments ranging from {$200.00} to {$2000.00}, depending on my needs and spending, the individual moves on to tell me that the available credit will be released on XX/XX/XXXX. 
When I ask why, then they give me a blanket " any payment can be held for 7-14 business days but refuse to give me a reason, but implying that " the computer '' can decide these things and that as humans there " is nothing they can do. '' Lastly, I'm told to use AppleCash and it won't happen. 
I realize that in the grand scheme of things, this is not a huge ordeal in the business world. 
But in my world as a singular consumer, it causes problems. I've had to change payment plans to include recurring charges that I use this card for. As an individual, I do have other options. 
However, for someone who doesn't, this random change of policy could cause serious financial issues. 
I filed a complaint with Goldman Sachs, but I'm fairly confident that nothing will come of it. 
Thank you for your time. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: OK

Complaint narrative:
Hello, I am reaching out to you because I need your help. 

I am attaching letters that I wrote/received regarding a " pay to remove '' debt from my credit reports. 
The payment plan was set up and scheduled for XXXX and would be finalized XXXX After successfully paying off this debt, that was agreed upon between myself XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  failed to remove this debt from my credit reports. 

If you will review and delete this account from my credit profile, I would greatly appreciate your help. 

Thank you for your time and attention in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-17 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: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I sent money ( {$58.00} ) to my friends girlfriends account for theatre tickets he paid in advance for me and my family. It the note section I put his name which is XXXX. Two days later I went to add cash to my card which they allowed me to do but when I went to access the money I was declined. So using chat feature I contacted cash app and asked why I can't access my money. They told me a special team would be emailing me about it. Right after the phone call I checked my email and they said they were investigating my account and something about us international sanctions and asked me what I sent the money for and elaborate on XXXX. So I immediately emailed back and told them what the money was for and that XXXX is my friends name. They sent me an email back saying thank you for the information and basically copy pasted the first email all over again. So I responded again with the same info and asked them why they are investigating they can see that I sent the money to a female residing in the same state as myself ( North Carolina ) and I don't understand what they are investigating. Since then I have sent about 5 emails asking about my account access and being able to withdrawal my paycheck that was deposited as well as the money I added ... All of which they allowed to go to the account {$470.00}. No one can email me back at all. I request info thru the chat feature about 6 times and I'm told the same thing Everytime that someone on my case will email me after I told them no one is emailing me anything. The last chat I was actually told to call the police and report them!!! I was completely dumfounded!!! It's now been 2 months. No one has contacted me and I still can not access my money. It's ridiculous and I don't understand if I can't make any transactions or anything why they are allowing money to still be added to my account. I feel like the only people scamming me is cash app themselves! I just want to be able to transfer my money off their account and close my account with them. But I can't seem to get any answers at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Carvana Group, LLC
State: TN

Complaint narrative:
I am XXXX XXXX XXXX and had to replace my car. I tried to go through carvana for the convenience. I was pre-approved by my bank for a loan over the asking price of the car. I went through all of the carvana 's steps to get the car, sent everything they asked for. My driver license, bank statement ( approval letter ), military ID, etc.... They wanted additional proof of residence, which is also included on my insurance ( which I had already put the car on my insurance ). They required that I pay for the transport fee to get the vehicle to XXXX BEFORE the purchase was finalized. After all the paperwork i sent, they still wanted additional banking information, INCLUDING my balance. I wanted to mark my balance out, but leave all of the other proof, they refused that. After 7 days of back and forth, they said the car was no longer available. They kept my {$700.00} vehicle transfer fee. 

I filed a complaint with my bank, but they said that I authorized it. My issue is that Carvana said they would return the funds since the sale didn't go through. But they didn't. 

I need help getting my money back because I am on a limited income. 

Please help me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Innovate Managed Holdings, LLC
State: IL

Complaint narrative:
Ive contacted this company numerous of times and nobody can help me accurately with any information

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I see the Hard Inquiry on my credit report - i do not recognize XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX And for fixing my problem the company ask me for this 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 2025-07-17 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: FL

Complaint narrative:
I was checking my credit report and found this that I don't recognize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also checked my credit report and noticed I had fraudulent accounts. Please remove these accounts from my report, as they are affecting my ability to get credit.

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 2025-07-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I am filing this formal complaint against Portfolio Recovery Associates ( PRA ) for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) as they relate to several accounts being reported on my credit file. 

Despite my lawful requests for debt validation under FDCPA 809 and full documentation under FCRA 609 ( a ) ( 1 ), PRA has failed to provide any original documentation bearing my signature, the chain of title, or proof that I am contractually obligated to the debt. Instead, they continue to furnish and verify inaccurate and unvalidated information with the credit bureaus, knowingly violating FCRA 607 ( b ) and 611.

I have already disputed these accounts multiple times directly with both PRA and the credit reporting agencies. PRA has responded with generic summaries and continues to report these debts without providing any of the following : The original contract or agreement bearing my signature Proof of ownership ( purchase agreement, not assignment ) Chain of custody and transfer history Verification of the amount allegedly owed Additionally, PRA has been deceptive in their responses, misrepresenting facts and falsely claiming that they are not obligated to validate because a dispute was filed with the bureaus instead of directly with them even though certified mail confirms they received my letters. 

These actions have caused emotional distress, credit denials, and financial hardship. I have attached the following documents in support of my claim. 

There are two accounts reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Accounts were listed on my credit report without my consent. No investigation fixed my problem. These accounts were listed in a FTC report. I provided the FTC report, My ID and SSN card and a bank statement was provided in documents that were sent. After the investigation of these accounts, I received correspondence saying the accounts were verified. Sometimes the investigation took two or more months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX I tried using an ATM in XXXX Texas at XXXX XXXX XXXX When the ATM was about to dispense the electrical power went out in the building and restarted the ATM but instead of dispensing my money. {$160.00} it gave me an error code only, however when I checked my bank account with PNC, the money had already withdrawn from my account, but never received it from the ATM, which is owned by the following : Owned and operated by XXXX XXXX XXXX XXXX I called and a gentleman by the name of XXXX answered the phone and I explained the situation and he basically told me that he wasnt liable to contact my bank. After speaking with my bank, they said they couldnt help me to get in contact with the owner of the ATM. This has been going back-and-forth I believe that if the ATM went into error mode, but the amount was deducted from my account the owner of the ATM should be liable. A few months later, and I still havent gotten the money back from neither one of the two.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: VA

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