vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 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: U.S. BANCORP
State: IL

Complaint narrative:
Account : US Bank XXXX XXXX XXXX Account #... 
I am filing this complaint because US Bank XXXX XXXX XXXX is inaccurately reporting a charged-off account that does not meet the accuracy, verification, or reporting requirements under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX standards. 
This account has been disputed, yet it continues to be reported as a charge-off with a balance of {$290.00}. The credit bureaus verified this account without providing a proper method of verification, which violates FCRA Section 611 ( 15 U.S.C. 1681i ). Verification through the automated e-OSCAR system does not satisfy the requirement for a lawful reinvestigation.

Further violations include : - 15 U.S.C. 1681e ( b ) : CRAs must ensure maximum possible accuracy.

- 15 U.S.C. 1681i : Furnishers and CRAs must delete or correct disputed information that can not be verified.

- XXXX XXXX Compliance : Charge-off status and payment history are being reported inconsistently and inaccurately, violating XXXX XXXX XXXX standards. 
- Factual Inaccuracy : The account balance and status are unverifiable, and US Bank XXXX XXXX XXXX has failed to provide documented evidence proving this account is valid and collectible. 
Because of these issues, this account must be removed. Continuing to report unverifiable or inaccurate data is unlawful and harmful to my credit. 
Resolution Request : I request that all references to US Bank XXXX XXXX XXXX, Account # ... XXXX, be permanently deleted and blocked from my credit reports. Specifically : 1. Delete the account in compliance with FCRA Section 611 since no proper verification has been provided.

2. Block further reporting of this account as required under the FCRA when an item is inaccurate, unverifiable, or reported in violation of XXXX XXXX standards. 
3. Provide written confirmation that this account has been deleted and will not be reinserted without full compliance with FCRA 611 ( a ) ( 5 ) ( B ).

Verification through e-OSCAR or any other automated system is not acceptable,

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 2025-09-06 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: TX

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 2025-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In late XXXX and early XX/XX/year>, I was contacted online by someone claiming to be an XXXX looking for a XXXX They said their client would send me checks for art materials, and I would keep a small profit as payment. 

The scammer sent me two checks by email : First check : {$310.00}. I deposited it into my Chase account, and when the funds showed as available, I was told to transfer the {$310.00} to my XXXX account and then forward it to the painter. 
Second check : {$210.00}, which is also through email and it will available late on my account. The scammer also asked me to send {$200.00} of my own money to the painter, which I did through XXXX. 

The scammer convinced me to give them my Chase login information, saying they could make the deposits clear faster. They even sent me a screenshot showing that the checks would be available the next day, which made me believe the funds were real. Later, I found out all the checks were fraudulent. 

As a result, my Chase account was left with a negative balance of about {$310.00}, and I lost {$200.00} of my own money. Chase has since closed my account and ended the relationship with me. 

I am a XXXX XXXX and have never experienced this before. I was misled and scammed, not trying to commit fraud. I am seeking help so this situation is correctly understood as fraud against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: OR

Complaint narrative:
I hereby dispute these accounts, which were not authorized by me. As they appear fraudulent, I request their immediate removal from my credit file and an appropriate investigation. Evidence is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My TransUnion has been experiencing data breach and has illegally added debt to my credit file.

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 2025-09-06 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: CA

Complaint narrative:
The credit assessment doesn't reflect my true financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PNC Bank N.A.
State: MO

Complaint narrative:
My credit score is over a XXXX with all accounts paid off someone stole my identity and tried applying for accounts not mine. Now pnc is using those inquiries I didnt not make to deny me for a credit card and I will file lawsuit if this is not reconsidered

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : * * Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Amount : {$1500.00} * * Date of Account : XX/XX/year> I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible.

In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me.

I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : * * Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Amount : {$1500.00} * * Date of Account : XX/XX/year> I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible.

In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me.

I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
Transworld Systems, XXXX, reported XX/XX/XXXX, XXXX XX/XX/XXXX ). I had no photo ID now or prior to XX/XX/XXXX, and XXXX XXXX XXXX - XXXX data breaches .exposed my info, per dark web alerts, suggesting fraud. I disputed twice ( confirmation # XXXX ), but your verification violates FCRA Section 611. The XX/XX/XXXX reporting may be illegal re-aging ( FCRA Section 605 ( c ) ). If I recall my report took several negative hits. XXXXXXXX XXXX  was collections previously attempting to collect. I disputed and requested verification of validity of fraudulent fabricated accounts. The disputes were closed with no proof of validity. My credit is something I take serious and reflects the dedication Ive gave with just under XXXX old and XXXX missed payments. The data breach by XXXX XXXX was brought to my attention after a unauthorized charge to my credit card and contacted the authorities to file identity theft. To get the charges removed. Im doing everything I can to keep from being a repeated victim so any assistance in this matter would be appreciated. Sincerely XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: TX

Complaint narrative:
I am extremely frustrated that inaccurate late payments are still appearing on my credit report this morning. I checked again, refreshed my browser, and they remain there. This needs to be fixed immediately, and I am demanding that the documents I provided be reviewed properly so I can finally stop worrying about this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXI am writing to formally dispute and demand the immediate removal of the\nfollowing fraudulent accounts and inquiries from my credit report due to identity\ntheft. These accounts were opened without my consent, and I am invoking my rights\nunder the Fair Credit Reporting Act (FCRA) to have these items promptly removed.\nI am also writing to formally notify you that I am a victim of identity theft and request the\nimmediate blocking and deletion of all fraudulent accounts or information related to the\nidentity theft, as authorized by 15 U.S.C.  1681c-2(a). I became aware of the breach of\nmy personal information through the Equifax data breach, which has exposed my\nsensitive data to unauthorized individuals.\nThe following fraudulent accounts and inquiries have been identified as a result of this breach\nClosed accounts/collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I just saw that incorrect late payments are still listed on my credit report today, and I have no idea why. Refreshing my browser didnt remove them. I urgently request that the documents Ive provided be reviewed carefully so this problem never happens again.

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 2025-09-06 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: GA

Complaint narrative:
I can not believe that the inaccurate accounts are still appearing on my credit report this morning. I double-checked, refreshed, and confirmed its not a simple error. This is extremely frustrating, and I want the documents I sent to be properly examined right away so that I can finally put this behind 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 non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX I submitted my dispute via certified mail to Equifax, XXXX XXXX XXXX to dispute Inaccurate, Incomplete, and Unverifiable Information. 

Equifax replied letting me know I need to submit to them my ID & proof of residency when I clearly submit this in my original dispute packet. 

XXXX sent me a letter saying, they believe i did not initiate the dispute process, & that I needed to verify my information by calling or going online. I tried calling them & I was only able to speak to an A.I which was prompting me to go online.. I tried to go online, & to access my dispute, the online portal was requesting a " Dispute ID '', which was not provided to me in the letter experian mailed me. 

Transunion did not reply to me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: PR

Complaint narrative:
This bank is fraudulent and they were not allow me to pay the loan off when I have the money and I contact everybody and nobody could let me pay off the account because it's misleading is fraught and I never could pay it so I pay whatever I have to right and say they charge off the account but they never ever ever will allow me to pay it off it's just a scam.

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 2025-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: VA

Complaint narrative:
To Whom It May Concern : This office represents XXXX XXXX regarding the alleged debt you have asserted against them. Please be advised that my client disputes the validity of this obligation as presented and hereby demands strict compliance with the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

Accordingly, you are required to provide full validation of the debt, including but not limited to : A complete and itemized history of all payments alleged to have been made by my client on this account. 

A copy of the original agreement, bearing my clients signature, which you contend establishes liability for this debt. 

Documentation indicating whether any insurance claim, settlement, or other third-party payment has been made in relation to this account. 

The full chain of title, including all assignments, transfers, or other evidence of ownership, establishing your legal standing and authority to collect on this debt. 

Until you provide the above documentation, you are to cease all collection efforts, including but not limited to telephone calls, correspondence, and any reporting or verification of this debt with credit reporting agencies. 

Be advised that any failure to comply with the statutory obligations of the FDCPA will be treated as a violation of federal law, and my client reserves all rights to pursue available remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: VA

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My mother was XXXX and XXXX  in the hospital and my brother stole her phone the phone I pay for and started XXXX  himself XXXX  XXXX. XXXX were done after she was dead. Chase bank told me that wasn't fraud and did nothing when I sent them all the proof. Police report ftc claim XXXX  a death certificate and XXXX report saying the phone was stolen. Chase bank is basically cosigning for fraud on my bank account. CHASE BANK XXXX also the fraud started on XX/XX/XXXX {$2000.00} XX/XX/XXXX {$2000.00} XXXX {$2000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$2000.00} my mother passed on XX/XX/XXXX and I did not authorize anyone to take or XXXX  any money from my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-06 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: VA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: FL

Complaint narrative:
I am the victim of identity theft and data breaches, which resulted in fraudulent accounts being reported on my credit file. Under the Fair Credit Reporting Act, Section 605B, credit reporting agencies are required to block and remove all information resulting from identity theft within XXXX business days of receiving proof. Despite providing documentation, the accounts remain, causing harm to my credit profile. 

Additionally, my personal information was compromised in multiple nationwide data breaches, further increasing the likelihood of identity theft. I have submitted disputes and supporting documents, yet the company has failed to properly investigate or permanently remove these fraudulent accounts. 

I am requesting immediate compliance with FCRA Section 605B, including the blocking and deletion of all identity-theft related information

Company response to consumer: Closed with non-monetary relief