vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-10 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 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 2025-10-10 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:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX tunder attached assignment/authorization agreement. I am submitting this formal complaint against Transunion for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XXXXXXXX XXXX XXXX I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX XXXXXXXX XXXX XXXX XXXX  Despite having received all required documents, Transunion has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. 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 2025-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Today, Chase abruptly shut down all of my business and personal accounts with no notice and no explanation. These accounts are tied to my licensed home health care business, which has been operating with Chase for over a decade.

This action immediately disrupted payroll, expense accounts, and my main operating account. My company employs more than 60 people, many of whom are single parents, widows, or older employees who depend on receiving their paychecks on time. Several payroll checks ( some in excess of {$10000.00} ) were returned unpaid. 

Chase informed me that funds would bounce back to XXXX, which will cause delays of at least 23 weeks since electronic funds transfers ( EFT ) with Medicare take time to reestablish. In the meantime, employees and vendors are left unpaid.

Even worse, Chase refused to release the funds so that I could issue manual checks. They are holding the money for 10 days, leaving me with no way to meet payroll or pay essential expenses. I was told there is no appeal process and that the accounts would not be reopened even if Chases internal review finds nothing wrong.

This shutdown has not only harmed me personally but has jeopardized my employees, my business operations, and the vulnerable patients we serve. I am requesting immediate investigation and intervention to prevent further damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: TX

Complaint narrative:
I sent a letter earlier about the errors and unknown items on my credit report, but I haven't heard back in over 30 days. It feels like my disputes are being ignored, and I'm starting to feel taken advantage of. According to Section 611 ( a ), if these items aren't investigated within 30 days, they should be removed from my credit report immediately. I expect these accounts to be updated right away since the deadline has passed. If that doesn't happen, I might have to consider legal action because this situation has really stressed me out. Plus, my info was affected by the Equifax, Experian, and Transunion data breach, which makes me worry about my personal data 's security.

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 2025-10-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> Re : Request for Debt Validation I am writing to request validation of a debt that you claim I owe. I request that you provide me with the following information as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g : 1. The amount of the alleged debt.

2. The name of the original creditor.

3. Detailed statements or documentation showing that I am responsible for this debt.

4. Proof of your legal authority to collect this debt.

Please provide this information in writing. Until I receive proper validation, I request that you cease all collection activities regarding this alleged debt.

I also request that you do not contact me by phone regarding this matter, except for written correspondence.

Thank you for your attention to this matter. I look forward to your timely response. 

Sincerely, 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 2025-10-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a letter earlier about the errors and unknown items on my credit report, but I haven't heard back in over 30 days. It feels like my disputes are being ignored, and I'm starting to feel taken advantage of. According to Section 611 ( a ), if these items aren't investigated within 30 days, they should be removed from my credit report immediately. I expect these accounts to be updated right away since the deadline has passed. If that doesn't happen, I might have to consider legal action because this situation has really stressed me out. Plus, my info was affected by the Equifax, Experian, and Transunion data breach, which makes me worry about my personal data 's security.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 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: IL

Complaint narrative:
Upon reviewing my credit report I noticed several inaccuracies associated with this account.This account is negatively affecting my ability to obtain credit.I am requesting that you conduct a thorough reinvestigation to verify the accuracy and completeness of the information, as required under the Fair Credit Reporting Act ( 15U.S.C.1681i ). In accordance with with the Fair Credit Reporting Act convergent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15U.S.C 1681sec. 602A ; States I have the right to privacy 15U.S.C 1681sec. 604A sec.2 ; a customer reporting agency can not furnish an account without my written instructions.

15 U.S.C. sec.1681i ( a ) ; if you cant provide proof, the account must be immediately deleted.

15 USC 1681e ( b ) ; account must be 100 % accurate and verifiable 15U.S.C.1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer containing any of the following items of information any other adverse items of information other than the records of convictions of crimes, which antedates the report by more than seven years. I have reason to believe that all of these rights have been violated. I would like all of these accounts re-investigated and deleted immediately if any incomplete inaccurate or unverifiable information is found. Thanks in advance. / 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 2025-10-10 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: IL

Complaint narrative:
Upon reviewing my credit report I noticed several inaccuracies associated with this account.This account is negatively affecting my ability to obtain credit.I am requesting that you conduct a thorough reinvestigation to verify the accuracy and completeness of the information, as required under the Fair Credit Reporting Act ( 15U.S.C.1681i ). In accordance with with the Fair Credit Reporting Act convergent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15U.S.C 1681sec. 602A ; States I have the right to privacy 15U.S.C 1681sec. 604A sec.2 ; a customer reporting agency can not furnish an account without my written instructions.

15 U.S.C. sec.1681i ( a ) ; if you cant provide proof, the account must be immediately deleted.

15 USC 1681e ( b ) ; account must be 100 % accurate and verifiable 15U.S.C.1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer containing any of the following items of information any other adverse items of information other than the records of convictions of crimes, which antedates the report by more than seven years. I have reason to believe that all of these rights have been violated. I would like all of these accounts re-investigated and deleted immediately if any incomplete inaccurate or unverifiable information is found. Thanks in advance. / XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 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: AL

Complaint narrative:
From XX/XX/XXXX, until XX/XX/XXXX, Cash App has taken money from my account countless times without any clear explanation or authorization. These random deductions often appeared without warning, and despite reaching out multiple times, I was never issued a proper refund or even a detailed response about why the charges occurred. Over the years, this pattern continued sporadically, leaving me frustrated and financially inconvenienced. Its unacceptable that a trusted financial platform could repeatedly withdraw funds without consent and fail to provide accountability or resolution for such ongoing issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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 respectfully submitting this follow-up dispute as a consumer who has already challenged the accuracy of certain information on my credit file. Despite my prior correspondence, these account and inquiries continue to appear, causing me ongoing harm and misrepresentation. I am now requesting their permanent removal under my rights provided by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
The collection account in question is : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX * * Balance Owed : {$5900.00} * * This collection is being reported inaccurately and remains unverified. Under FCPA 807 ( 15 U.S.C. 1692e ), it is unlawful for any debt collector to use false, deceptive, or misleading representations in the collection of any debt. Further, FDCPA 809 ( 15 U.S.C. 1692g ) requires that a debt collector must provide proper written validation and verification of the debt upon request which has not been done in this case. Since this account remains unverifiable, it violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) and 605B / 15 U.S.C. 1681c-2, which require the bureau to delete information that can not be verified as accurate. 
For these reasons, I am requesting the permanent deletion of this account from my TransUnion credit file. 
Additionally, my credit report still shows multiple unauthorized inquiries that I did not approve, violating FCRA 604 ( a ) and FCRA 604 ( f ) laws which clearly state that no entity may access a consumers credit report without a permissible purpose. These inquiries are inaccurate and misleading, and I am requesting their permanent removal as well. They are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>

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 2025-10-10 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: MI

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: MI

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
on XXXX I treated my husband to a dinner at a local restaurant we typically go to in town. I was told my card was declined, I told them that can not be and to retry. Again declined. As the primary care giver of XXXX children, an aging mother and retired husband this is very embarrassing. I am a full time mother and giver and a full time XXXX XXXXr and supporter of my recent retired husband and now sick mother of XXXX. This is not okay that my card with fully efficient funds is rejected and my retired husband with a separate account who does not work is approved. this is not okay and is considered sexist and NOT Okay.

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 2025-10-10 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Climb Credit Inc.
State: NJ

Complaint narrative:
I joined XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX after being recruited with promises of immediate job placement and career support. I was unemployed at the time and relied on those representations when I applied for financing. In XX/XX/XXXX I contacted Climb Credit to cancel the private student loan because the program was not a legitimate pathway to employment and the schools recruiting and placement claims were false. I repeatedly asked Climb to investigate and cancel the loan but received only delays and deflections. 

Climb paused and deferred action for months while XXXX XXXX pressured me to accept a {$12000.00} discount or remain enrolled in the program. During negotiations the schools vice president who offered the discount disappeared and other staff repeatedly shifted responsibility back to Climb. XXXX XXXX advised me to contact the creditor about alternate payment options and repeatedly pressed me to accept terms that felt coercive given my unemployment. I refused to be forced into paying for a program that never delivered on its promises. 

Instead of resolving the fraud, Climb allowed the account to be outsourced to XXXX XXXX XXXX and later to XXXX XXXX XXXX XXXX. Collections activity and credit reporting followed while my dispute remained unresolved. On XX/XX/XXXX, a Climb representative ( XXXX ) explicitly confirmed they would not cancel the loan. Interest, fees, and negative reporting have continued to accrue and my credit has been materially harmed despite my repeated efforts to get the loan cancelled. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX do not appear in CFPB school lists and appears to have operated as an unvetted, internet-based program rather than an accredited institution. Climb funded tuition to that entity without proper vetting and has avoided accountability by blaming the school and outsourcing collections. I have documented communications, certified-mail receipts, a recorded agent admission, and prior complaints that show I have been trying to resolve this for months. Climbs refusal to cancel a loan issued under false pretenses and their outsourcing of the debt while I was disputing it has caused ongoing financial and credit damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am filing this formal complaint against TransUnion for their ongoing violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft dispute. On XX/XX/year>, I submitted a direct dispute with supporting documentation, including my FTC Identity Theft Report, government-issued ID, proof of address, and a sworn statement under penalty of perjury, to confirm that the XXXX XXXX XXXX  XXXX was fraudulent. Despite receiving this information, TransUnion has failed to block or delete the fraudulent account as required under FCRA 605B and has not conducted a reasonable reinvestigation under FCRA 611 ( a ). Their continued reporting of this fraudulent account is causing ongoing harm to my credit file and financial well-being.

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