vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-24 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: NJ

Complaint narrative:
Between XXXX and XXXX, I deposited approximately {$41000.00} into a website called XXXX, which represents itself as an entertainment site selling mystery boxes. In reality, XXXX operates as an unlicensed offshore gambling platform based in XXXX ( XXXX XXXX ) and XXXX ( XXXX XXXX XXXX ), with no XXXX gambling license. Their own XXXX XXXX XXXX and XXXX policy confirm they are not based in the United States, that results are determined by an algorithm of chance, and that affiliates are forbidden from marketing XXXX as a gambling service. 

I repeatedly asked XXXX to provide proof of a gambling license. They refused and instead restricted my account after I filed disputes with Chase. I have email correspondence where I specifically explained that my disputes were based on merchant misrepresentation and lack of license, not on dissatisfaction with services. 

Chase initially issued temporary credits ( about {$10000.00} ) but later reversed them, leaving me with a net unreimbursed loss of about {$30000.00}. 

This is not a case of buyers remorse. This is a case of merchant fraud and misrepresentation combined with Chases failure to block transactions to an illegal offshore gambling operator, which is prohibited under the Unlawful Internet Gambling Enforcement Act ( XXXX ). 

I am providing transaction records, XXXX XXXX XXXX XXXX, XXXX policy, and emails as evidence. These show that XXXX is not licensed in the XXXX, disguises gambling as entertainment, and retaliated against me when I questioned their legitimacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX at XXXXXXXX XXXX XXXX XXXX XXXX, two unauthorized XXXX  withdrawals were made in XXXX  XXXX DC {$200.00} each {$3.00} atm fee {$2.00} cash app fee ( total \ {$410.00} ). The day before, on XX/XX/XXXX, I used my Cash App card at a XXXX XXXX XXXX  in XXXX, VA near my home. 

When I received the real-time alerts on XX/XX/XXXX, I panicked because I could not find my wallet and thought it was lost or stolen. I immediately called Cash App to report this. Less than XXXX minutes later, after returning home, I discovered my wallet and card had been there the entire time, meaning no one else ever had physical possession of my card. I called Cash App back right away within the same XXXX window to correct my report and explained that the fraudulent withdrawals still occurred even though my card had never left my home. 

Cash App opened XXXX disputes XXXX for the {$200.00} withdrawal and another for the {$2.00} fee. All disputes were denied, and when I appealed, both appeals were also denied. The denials stated the transactions were authorized, which is incorrect. I never authorized them, nor did I give anyone my card or PIN. 

It was geographically impossible for me to be in Washington XXXX DC when these withdrawals occurred because I was in Virginia driving to work. My card was in my home the entire time. This indicates that my card number and PIN were compromised and used fraudulently at an ATM. I asked Cash App to investigate further and to review ATM footage, but no such action was taken. 

This has caused serious financial hardship for me. I am requesting that this be thoroughly investigated and that I be reimbursed the {$410.00} taken through these fraudulent transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: FIRST ADVANTAGE CORPORATION
State: IN

Complaint narrative:
They have my name and social security number linked to my XXXX XXXX XXXX son name. XXXX XXXX, he had a sprint phone account that I eventually paid off and took over and now its like his name and social is mine. Ive been told adverse action has been taken against my license and its not my license its my son XXXX XXXX XXXX. They keep reporting it and I have disputed this. It has stop me from being able to get a job. They also have on my BMV as if my license was suspended due to medical certification, I was not suspended I was disqualified XXXX XXXX heavy equipment until my medical certification was turned in

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This communication serves as a direct dispute of fraudulent accounts appearing under my name on my credit report. I have no connection to these accounts, and their reporting is wholly unauthorized and false. Their inclusion misrepresents my financial standing, harms my credit profile, and compromises the accuracy of my record. Such inaccuracies can not be permitted to remain uncorrected.

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 2025-09-24 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: MS

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX # XXXX XX/XX/XXXX -- {$950.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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 am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within XXXX days. Supporting documents are enclosed for your reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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 am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within XXXX days. Supporting documents are enclosed for your reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capital is refusing to immediately remove negative information from my credit profile. They are reporting a debt that has already been resolved by a resolved by one of the many debt collectors XXXX has sold this debt to. The representative that I spoke to from Jefferson Capital told me that they no longer own the debt, and I am trying to figure out why they won't remove it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: AZ

Complaint narrative:
Dear CFPB, I am filing this complaint regarding multiple inaccurate and misleading tradelines on my credit report dated XX/XX/XXXX, which violate the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and related provisions of the U.S. Code. 

The following accounts are in violation : XXXX XXXX XXXX ( {$1300.00} ) : Reported open with no activity since XXXX, dispute remarks not updated, and missing payment history. ( XXXX Violations ) XXXX XXXX XXXX XXXX ( {$170.00} ) : Reported as both {$170.00} owed and {$0.00} balance, duplicate tradelines, inconsistent statuses. ( XXXX Violations ) XXXX & XXXX XXXX XXXX ( {$300.00} ) : Reported as open with {$0.00} balance, derogatory despite reinvestigation dispute remarks. ( XXXX Violations ) Total Violations : XXXX Total Damages : {$9000.00} ( per statutory damages allowed under FCRA/FDCPA ). 

These entries violate : FCRA 1681e ( b ) : Failure to assure maximum possible accuracy. 

FCRA 1681i : Failure to conduct proper reinvestigation.

FCRA 1681s-2 ( b ) : Furnishers failing to update/correct information.

FCRA 1681c-2 : Reporting obsolete/duplicate accounts.

FDCPA 807 ( 2 ) ( A ) : False or misleading representation of character, amount, or status of debt.

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 2025-09-24 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: AZ

Complaint narrative:
Dear CFPB, I am filing this complaint regarding multiple inaccurate and misleading tradelines on my credit report dated XX/XX/XXXX, which violate the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and related provisions of the U.S. Code. 

The following accounts are in violation : XXXX XXXX XXXX ( {$1300.00} ) : Reported open with no activity since XXXX, dispute remarks not updated, and missing payment history. ( XXXX Violations ) XXXX XXXX XXXX XXXX ( {$170.00} ) : Reported as both {$170.00} owed and {$0.00} balance, duplicate tradelines, inconsistent statuses. ( XXXX Violations ) XXXX & XXXX XXXX XXXX ( {$300.00} ) : Reported as open with {$0.00} balance, derogatory despite reinvestigation dispute remarks. ( XXXX Violations ) Total Violations : XXXX Total Damages : {$9000.00} ( per statutory damages allowed under FCRA/FDCPA ). 

These entries violate : FCRA 1681e ( b ) : Failure to assure maximum possible accuracy. 

FCRA 1681i : Failure to conduct proper reinvestigation.

FCRA 1681s-2 ( b ) : Furnishers failing to update/correct information.

FCRA 1681c-2 : Reporting obsolete/duplicate accounts.

FDCPA 807 ( 2 ) ( A ) : False or misleading representation of character, amount, or status of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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 dont recognize the address and I would like them to be removed from my report thanks. 
XXXXXXXX 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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I have eviction on my tenant report when I tried to apply for apartment with tXXXX XXXX/transunion but the address that they claim XXXX XXXX XXXX XXXX XXXX XXXX. I never live there or have association with that address can I please get this remove this does not belong to me

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 2025-09-24 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: NC

Complaint narrative:
Request for Investigation and Correction of Inaccurate Account Reporting To Whom It XXXX Concern, I am writing to request an immediate investigation and correction of inaccurate reporting on my XXXX XXXX XXXX account. 

XXXX months ago my account was reported as closed with a XXXX balance. After I disputed that reporting, the account status was changed to open, but my credit reports were not corrected. Since then, XXXX XXXX XXXX has repeatedly reported inaccurate remark codes ( e.g., fixed rate, service account ) that have negatively affected my XXXX XXXX. In addition, my account was incorrectly reported as 30 days delinquent for XX/XX/XXXX and for multiple months between XX/XX/XXXX and XX/XX/XXXX. Those inaccurate late-payment entries were removed on XXXX  on XX/XX/XXXX ( the account now appears current ), but remain as XXXX delinquencies with the other credit reporting agencies. 

I have attached documentation supporting the Equifax correction and the current reporting shown on my XXXX XXXX account. Please review these attachments and correct the invalid delinquency and any other inaccurate remark codes across all credit bureaus immediately. XXXX financial has been sued multiple times for inaccurately marking consumer 's credit reports in XXXX and XXXX. 

If this matter is not resolved promptly, I will pursue further action, including consulting a consumer attorney to protect my rights. 

Please confirm receipt of this request and advise me of the next steps and expected timeline for resolution.

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 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
Portfolio recovery associates LLC The balance that they were asking for is {$1000.00} The account number ending in XXXX whats the date opened in XX/XX/year>. Need to get clothes down this is gone on long enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: GA

Complaint narrative:
my identity was stolen n they trying to say I owe XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: GA

Complaint narrative:
I am currently on the XXXX XXXX XXXX XXXX program. Since XXXX of XXXX, I have asked multiple times to update my payment counts. I have submitted XXXX complaints ( all closed with no response ). I have submitted XXXX reconsideration requests, XXXX buyback requests, and XXXX updated employment certification forms. There are still nearly a years worth of payments not shoing in my overall count, which is now blocking me from my forgiveness. I am now eligible for forgiveness in XXXX of this year. Each complaint is closed with no response, each form says it has been processed, but the payments are not updated, and the months arew not showing at all in the system ( even as ineligible ). Each time XXXX contact customer service, they say they can't do anything and they are behind, and are in fact rude and typically have misspelled wqords, with little responses. I called the XXXX number and waited for hours, with no XXXX answering. Mohela ( the loan serviucer ) blaims the DOE and DOE says they are behind and gives me excuses. This has stopped my ability to get my debt clearewd after 10 years of both public service and on time payments.

Company response to consumer: In progress
Consumer complaint received 2025-09-24 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: WI

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: CA

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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