vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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:
Chase Bank check was dated XX/XX/XXXX, in the amount of {$1200.00}. Check was recently cashed on XX/XX/XXXX. The bank calls this a " stale check ''. The check cashed was XXXX years old. The Chase Bank system only goes back 7 years, and Chase can not validate or verify that the check had not already been cashed, so it was accepted. I have no means of validating that the check was ever cashed, and Chase Bank is indifferent. Stale checks are honored, and the responsibility of validating an XXXX year old transaction is solely with the payor. In fact, even if the check had been previously honored, after 8 years the bank would not know and would honor it a second time. 

This is wholly unfair to the consumer. A bank accepting an XXXX check is simply negligent. They protect themselves by calling it stale and saying it is acceptable to be cashed. This risk is on the payor. 

No one could prevent this type of fraud, and Chase Bank 's attitude is horrible. They should not have accepted a check this old. Despite all of this, because it was a stale check, and the original check was legitimate, Chase Bank will not even investigate as fraud. I have no more information about the bank where the check was deposited, how it was deposited, or by who. Chase either does not have or will not share this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: AZ

Complaint narrative:
I am writing to formally dispute a public record that has been erroneously or fraudulently associated with my name and personal information. I believe that this record is inaccurate and the result of identity theft or other fraudulent activity. After reviewing the details of this record, I am certain that I have not been involved in the circumstances listed. It appears that my identity has been used fraudulently. I have taken steps to address this issue with the relevant authorities and will be filing a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Am asking for help from the credit bureaus to remove all negatives from my credit report : TRANSUNION : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX EXPERIAN : XXXX XXXX ( XXXX ) XXXX XXXXPLEASE REMOVE LATE PAYMENT FROM XXXX AS UNDER THE FAIR CREDIT ACT IS ILLEGAL TO REPORT LATE PAYMENTS ON MY REPORT.UNDER SECTION C 1666B

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The folowing accounts listed on my credi treport are fraudulent and do to identity theft Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
American Express Closed my business credit ( charge ) card in early XXXX and sent me an email stated " misuse '', while I am doing all valid business purhcases. And I contacted their customer services muliple times and they didn't provide valid reason. Once I asked what misuse, and one of the representive of Amex said she can see the note on her side saying the card made a lot purchase from XXXX ( All the purchases are legit and XXXX is reputable business and we are eletronics seller ), which is a very unreasonable reason. 

The worsest thing happened later, from Early XXXX to now, I heard American Express closed mass numbers of credit card accounts, business and personals, not only businesses in our industrial but also a lot of my friends ( just friends I know not doing businesses with ). Some are business cards and some are personal cards only for purpose of groccesry shopping etc. And people starts to discuss this crazy massive closure on social media and forums and found a horrbile common point : MOST or ALMOST ALL accounts CLOSED, THE OWNER ARE WITH XXXX LAST NAME. I HAVE A XXXX LAST NAME AND I AM A CITIZEN OF XXXX.. I HAVE A REASONABLE DOUBT THAT AMEX IS CLOSING ACCOUNT WITH A BIAS OF DISCRIMINATING XXXX AMERICAN. 

Also, talking about another financial lost besides of loss the credit line, AMEX claim in the email it will not give the rewards back to card members who got closed. 

Please investigate the issue and clear the craziness. AMEX called me a loyal customer of 15 years and I am super disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: EQUIFAX, INC.
State: MA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
XX/XX/scrub>XXXX 2025 I never received item from XXXX XXXX. Tracking number XXXX. 
Post office in XXXX XXXX where I am in the winter tracked it and it was not delivered to me! 
I sent PayPal/Syncrony bank information stated information still no refund! {$470.00}.

I have made many calls to PayPal and

Syncrony bank .. even today still no credit! I have faxed a letter to Syncrony from the merchant saying I would be credited and I faxed a letter to Syncrony saying the seller agreed to credit my account! Im very frustrated with no resolution after soon to be 5 months!!! Please help 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 2025-05-20 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: AL

Complaint narrative:
I looked onto my credit report and I noticed that there is a balance of XXXX from CKS PRIME INVESTMENTS, dating XX/XX/year>. I never did business, or signed any contracts with this company. There are no contracts, written or verbal proving that I owe CKS PRIME INVESTMENTS. CKS PRIME INVESTMENTS are listed as the ORIGINAL CREDITOR on my credit report. This is a fraudulent account and must be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: NY

Complaint narrative:
Please consider this a formal request to block and remove the unauthorized accounts from my credit report at your earliest convenience. I have no knowledge of these accounts, nor did I authorize their creation. In accordance with USC 1681g, I ask that they be removed within 15 days. Supporting documents are included for your careful consideration. Additionally, the reported account details vary across the bureaus and contain discrepancies.

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 2025-05-20 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: FL

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: OR

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them.

These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: NE

Complaint narrative:
Equifax is in willful violation of FCRA 605B. I submitted a valid FTC Identity Theft Report, a written request to block fraudulent items, proof of my identity, and a list of the affected accounts. Despite this, the Equifax representative XXXX XXXX, employee ID XXXX ) falsely stated that the FTC report is not valid for a couple of the accounts and that a regular dispute would be filed instead. This contradicts federal law, which recognizes FTC reports as valid under FCRA 603 ( q ) ( 4 ), and requires credit bureaus to block the disputed items within 4 business days of receiving proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: DC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/year>, I was contacted by a creditor attempting to verify a loan application due to what they believed was a fraud alert on my Equifax credit report. However, upon reviewing my current Equifax report dated XX/XX/year>, I found no active fraud alert. 

Instead, the report lists XXXX inaccurate and misleading designations : " Fraud Victim ( associated with trade ) '' " Report Blocked for Promotional Purposes '' I did not request a fraud victim indicator, nor did I authorize any action to block my report for promotional purposes. These entries are interfering with my ability to access credit and are causing unnecessary confusion for creditors. 

I contacted Equifax requesting these entries be removed, but as of this complaint, no action has been taken to resolve the matter. These designations are inaccurate and not reflective of my current status or intent. 

I am requesting the CFPB 's assistance to compel Equifax to : Remove the Fraud Victim ( associated with trade ) designation Lift the Blocked for Promotional Purposes restriction Confirm in writing that my credit file is accurate and unrestricted, unless I explicitly request otherwise in the future I have attached a copy of my Equifax credit report summary and am willing to provide identification or additional documentation if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Im submitting this complaint for repeated violations of the Fair Credit Reporting Act ( FCRA ) specifically Section 611 ( 15 U.S.C. 1681i ). 

On XX/XX/year>, I submitted a dispute regarding inaccurate personal information and an unverifiable collection account and included all required documentation : government-issued ID, utility bill, and detailed dispute explanation. 

Experian failed to provide a proper investigation or response. Instead, they returned template-generated letters requesting the same information that had already been submitted, which they would know if they conducted a proper investigation This is now my third dispute with no resolution, no investigation results, and no validation provided. 

As required by the FCRA, a reinvestigation should be completed within 30 days. The lack of response violates my rights under : 15 U.S.C. 1681i ( Failure to investigate ) 15 U.S.C. 1681n ( Willful noncompliance ) 15 U.S.C. 1681o ( Negligent noncompliance )

Company response to consumer: Closed with explanation