vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Chase credit card jpmcb its a account that i do not recognize nor authorized been sending them letters about it and they havent deleted it account says closed and someone opened it 10 years ago. also statue of limitations in massachusetts is 6 years i believe or 7 to remain on credit report and its still on my credit report after 8 years of them closing it and they continue to harras me with the debt. Please delete asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: DE

Complaint narrative:
I am writing to request the removal of fraudulent accounts and inquiries from my credit report. I am a victim of identity theft, and these items do not belong to me. 

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I ask that you block and delete the unauthorized information. Enclosed are : A copy of my FTC Identity Theft Report A list of the disputed items A copy of my ID and proof of address Please investigate and confirm in writing once the corrections have been made. 

Thank you for your prompt attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: TX

Complaint narrative:
Subject : Dispute of Inaccurate Credit Reporting XXXX XXXX Dear TransUnion, I am writing to formally dispute the information being reported on my credit file regarding the XXXX XXXX account ( partial account number : XXXXXXXX XXXX XXXX XXXX XXXX  ). 

There are several serious inaccuracies associated with this account on my TransUnion credit report : Account Number Incomplete : The account number is truncated, making it difficult for me to confirm if this is truly my account. 

Date Opened Discrepancy : TransUnion reports the account as opened on XX/XX/XXXX, while XXXX  and XXXX  list XX/XX/XXXX. 

High Credit Inaccurate : You are reporting a high credit of {$230.00}, whereas XXXX  lists {$200.00}. 

Credit Limit Error : You report a limit of {$200.00}, but XXXX  lists {$0.00}. 

Payment Status Discrepancy : TransUnion lists the account as Late 120 Days, XXXX  shows Late 90 Days, and XXXX  shows the account as Current. 

Last Active Date Conflict : You show the account was last active on XX/XX/XXXX, while XXXX  and XXXX  report different dates ( XX/XX/XXXX and XX/XX/XXXX, respectively ). 

Last Payment Date Inconsistent : Your record shows the last payment as XX/XX/XXXX, but XXXX  lists XX/XX/XXXX. 

Please complete your investigation and provide me with written confirmation of the outcome within 30 days as required by 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 2025-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Novo Platform Inc.
State: FL

Complaint narrative:
When I signed up for an account with Novo, the terms of there offer were to deposit {$5000.00} within 30 days and maintain the funds for 90 days in order to receive a {$300.00} bonus. I met the terms of the offer but did not receive a bonus, so I reached out to them at the beginning of May to see why and they stated I had met the terms as of XX/XX/XXXX and would receive my bonus with 30 days, yet they have not paid me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: UT

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 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 2025-06-02 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: Novo Platform Inc.
State: FL

Complaint narrative:
I am filing a complaint against Novo Bank for denying a valid dispute involving two unauthorized transactions on my stolen debit card, totaling {$3200.00} ( {$500.00} and {$2700.00} ). 
The theft occurred on XX/XX/2025. Novos fraud team flagged the activity, and I confirmed the same day that the card was stolen. This is documented under Ticket XXXX XXXX. 
I was told by Novo to wait for the charges to settle before filing the dispute, which I did in good faith. 
On XX/XX/XXXX, I received two denial emails from Novos fraud team.

This violates my rights under Regulation E, which limits consumer liability to {$50.00} when fraud is reported within 2 business days which I did. 
I also have a police report on file : Case XXXX XXXXXXXX. 
Im requesting immediate investigation and full reimbursement of {$3200.00}. 

Routing Number XXXX Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: OH

Complaint narrative:
I recently lost my wallet. I immediately called chase bank to report my card as missing. In the process I noticed 3 transactions totalling over XXXX $ that I did not make it authorize. The chargers happened in XXXX XXXX  and I was in XXXX  at the time. I am a XXXX XXXX, I explained to them that it could not be me seeing how I was in another State. They denied my claim, so I submitted paperwork showing that I wasn't in XXXX  at the time. It has been 12 days since I first reported fraud to Chase. I haven't received a credit to my account or any clear answers on why I am unable to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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 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 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 2025-06-02 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: KY

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
After a declined Citi Best Buy card i reached out to Citis cupport team and During a phone call with a Citi Bank representative, I sought clarification about their credit granting and inquiry processes while a fraud alert was active. Unfortunately, the employee I spoke with stated that they had no knowledge of how the system worked and were unable to assist with my concerns regarding inquiries due to thier system automatically doing it. Compounding the situation, communication during the call proved difficult, as the representative expressed difficulty in hearing me. Rather than attempting to resolve the misunderstanding or offering alternative solutions, they responded in an unhelpful manner, suggesting that I was " out of luck '' and reiterating that there was nothing they could do. This left me feeling unsupported and without a clear path forward. 

XXXX  was my next call and i was met with not only a lack of solutions but i was also lied to and ended up being talked into buying their service from a deceitful representative who falsely advertised its function, The second representative at XXXX  informed me that they would not be considering a partial refund for a used service ( 10 minutes total, i mind you ) and that the previous colleague would have not done any such things as to mislead or not in whole tell the truth about not understanding the truth or the service she got me to pruchase over the phone. 
Upon informing the representative that falsely advertising their services to have a function they don't and exploiting consumers by making them think its a solution is illgal and that i had every call recorded. She very quickly changed her mind and had my refund request sent to billing and began asking if there was anything she could do. I also do not know if XXXX  employess have Identification numbers they give consumers for liabilty reasons but i was denied everything but the name.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 2025-06-02 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: SLM CORPORATION
State: NJ

Complaint narrative:
I XXXX XXXX, works overseas/out of the country I retuned to the states, XXXX see my credit was ruined fraudulently. I called the vendors and they simply stated. They would send out correspondence. I never received any literature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: PR

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-06-02 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 non-monetary relief
Consumer complaint received 2025-06-02 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: CT

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 explanation
Consumer complaint received 2025-06-02 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: NY

Complaint narrative:
on XX/XX/year> i was adding money to my cash app account when i noticed the balance was less than what i had already put in there. when i checked the activity it read that a company called XXXX  under the name XXXX XXXX had taken {$1900.00} from me which went thru. it also read that the same date the same company only under the name XXXX XXXX attempted to take {$1900.00} from the account only there was insufficient funds.i reported this right away to cash app to stated they were going to do an investigation, the rep also stated it will take 45days and that most likely i will not get my money back but maybe the company will refund it. i explained that the money was a pool of funds i was in charge of and that the funds need to be returned and soon. i explained i didn't make the purchase and have proof there is no social media attached to this account. that the account was specifically for this purpose. i also explained that in order for that specific amount to be deducted, someone from cash app had to have done this. the account was used for no other purpose but for that trip. i filled out a police report out but when asked if i want to press charges, i was at a road block because who do i hold accountable. please help me recover the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Back in XX/XX/XXXX I made a purchase online. I had a conversation on emails from asking about if the product is legitimate then when I purchased i got scared of the situation so I reached out to cancel. They told me it was ok my refund was being issued and then went silent. I reached out to the bank because I wasn't getting any answers and last week it wasn't ruled on my favor but I didn't get any mail, email or call to review my side i didn't even see anything on the " investigation '' that I found very lazy that the merchant show them a document saying that I agreed to cancel and not get my money back and they took that as a legal document. When I have the email conversation prior to my claim. The chase claims department does not want to look at the information. All I need is for them to see my information and cross references the terms and condition he sent to the actual term and condition of cancellation witch states the refund have a 3 % cancellation fee or waive the fee for full credit on the store witch I didn't get either. Claims department keeps telling me to reach out to the merchant but he has not answered me since XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-02 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 writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation