vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The company XXXX  XXXX XXXX refuses to honor the agreement I signed with them on Tuesday, XX/XX/year> with a final transfer to be made from my checking account, with the same bank and which has had plenty of funds to pay the monthly amount of {$100.00} to pay my credit card bill every month, on Tuesday, XX/XX/year> - transfers scheduled XXXX - as per the agreement with confirmation number : XXXX. I printed out and have a copy of the agreement in .pdf format on Tuesday, XX/XX/year> at XXXX AM XXXX time. The issue for me is that they did not withdraw money from my checking account to pay my credit cart on XXXX, XXXX. The last transfer from my checking account to pay my credit card was XX/XX/year> and they reported me as having missed a payment to the credit agencies. This is wrong and unacceptable. After numerous attempts over the phone, and over email, they refuse to accept their error and honor their agreement, claiming that the agreement was for 11 months which does not make sense at all, and with the same confirmation number I provided above nonetheless. This is not right in my opinion, and will be happy to provide any documentation you request. Very much appreciate your support in this important matter for me and, thank you very much in advance!!

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 2025-08-01 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: CA

Complaint narrative:
The company XXXX  XXXX XXXX refuses to honor the agreement I signed with them on Tuesday, XX/XX/year> with a final transfer to be made from my checking account, with the same bank and which has had plenty of funds to pay the monthly amount of {$100.00} to pay my credit card bill every month, on Tuesday, XX/XX/year> - transfers scheduled XXXX - as per the agreement with confirmation number : XXXX. I printed out and have a copy of the agreement in .pdf format on XXXX, XX/XX/year> at XXXX XXXX  XXXX time. The issue for me is that they did not withdraw money from my checking account to pay my credit cart on XXXX, XXXX. The last transfer from my checking account to pay my credit card was XX/XX/year> and they reported me as having missed a payment to the credit agencies. This is wrong and unacceptable. After numerous attempts over the phone, and over email, they refuse to accept their error and honor their agreement, claiming that the agreement was for 11 months which does not make sense at all, and with the same confirmation number I provided above nonetheless. This is not right in my opinion, and will be happy to provide any documentation you request. Very much appreciate your support in this important matter for me and, thank you very much in advance!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: GA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem 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 2025-08-01 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: MS

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc . 
continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-08-01 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: CA

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

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 2025-08-01 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: Courtesy Finance LLC
State: GA

Complaint narrative:
Courtesy Finance is furnishing inaccurate and incomplete derogatory information to XXXX  and XXXX  that can not be verified under the Fair Credit Reporting Act. I disputed the reporting directly through the credit bureaus, and they allegedly verified the data without ever contacting me or providing any supporting documentation.

Courtesys legal counsel later responded to my CFPB complaint but failed to provide the method of verification, documentary evidence, or a reasonable investigation under 15 U.S.C. 1681s-2 ( b ). Furthermore, the company did not provide the chain of title, forward flow agreement, or GAAP-compliant accounting records to validate that value was ever given in connection with the alleged obligation.

They also failed to comply with 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which requires deletion of information that can not be verified. As of today, derogatory remarks still remain on my consumer reports with XXXX  and XXXX.

This conduct violates not only federal law but also Georgia state laws, including : O.C.G.A. 13-3-42 ( lack of legal consideration ), O.C.G.A. 10-1-393 ( a ) ( deceptive trade practices ), and O.C.G.A. 13-1-11 ( unlawful collection practices ).

Courtesy Finance never provided a copy of the original loan agreement, promissory note, or disbursement records, and has refused to delete the unverified entry. The account should not be reported if the creditor can not prove the debt is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: LA

Complaint narrative:
b'Dear CFPB\n\nI hope this message finds you well. \n\nI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C. 1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n\nIn light of these regulations, I must highlight that XXXX XXXX  (Account # XXXX), XXXX XXXX (Account # XXXX), XXXX XXXX (Account # XXXX), XXXX XXXX (Account # XXXX), DEPT ED/XXXX (Account # XXXX), DEPT ED/XXXX  (Account # XXXX), XXXX  (Account # XXXX) has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.\n\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.\n\nThank you for your attention to this matter. I look forward to your prompt response.\n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: LA

Complaint narrative:
b'Dear CFPB\n\nI hope this message finds you well. \n\nI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C. 1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n\nIn light of these regulations, I must highlight that XXXX XXXX  (Account # XXXX), XXXX XXXX (Account # XXXX), XXXX XXXX (Account # XXXX), XXXX XXXX (Account # XXXX), DEPT ED/XXXX (Account # XXXX), DEPT ED/XXXX  (Account # XXXX), XXXX  (Account # XXXX) has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.\n\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.\n\nThank you for your attention to this matter. I look forward to your prompt response.\n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-08-01 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
Need additional information as to original creditorplease provide account validation as previously requested

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to formally request a reconsideration of my claim denied regarding fraudulent transactions totaling {$7100.00} on my Bank of America EDD account. 

At the time, my debit card was stolen and I promptly filed a police report which i had previously provided with my claim to the bank. Despite providing this report and explaining that the transactions were unauthorized, my claim was denied based on photographs allegedly showing me at an ATM. I respectfully bring to your attention that those photographs are not from dates in question ; they appear to be from a different occasion unrelated to the fraudulent transactions I reported. 

I understand the bank must investigate carefully to protect both customers and itself from fraud. However, I sincerely believe that my case merits another review given : I promptly reported my card as being stolen. 
I submitted an official police report. 
the evidence used to deny my claim appears to be from an unrelated date. 

The loss has caused significant financial hardship, and I am confident a throughout re examination of the correct transactions date and supporting documentation will show that those transactions are indeed unauthorized. 

Thank you very much for taking the time ro reconsider my claim.

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 2025-08-01 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: AR

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-01 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: AR

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

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 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: KY

Complaint narrative:
While CashApp did refund me for 60 days worth of disputed transactions with a fraudulent company named XXXX XXXX XXXX, I have a total of 8 months worth of transactions with the same fraudulent merchant I should be refunded for as well. CashApp is only allowing me to just settle for the 60 days worth of refunds that I did get. Is it possible for me to be refunded for all 8 months of transactions I did with the fraudulent company? CashApp has all the evidence I submitted in the disputes that I did get refunds for

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Bank Name : JPMorgan Chase Bank Issue : Account closed or funds frozen Details of the complaint : On or around [ date of deposit e.g. XX/XX/2025 ], I deposited a legitimate U.S. Treasury check into my Chase business account for XXXX XXXX XXXX XXXX XXXX. Shortly after, my account was restricted and flagged for suspicious activity. I was told the checks timing and business information triggered concern, despite the fact that this is a legitimate check issued to a franchise business operating under a properly registered corporate entity. 

I was not given a clear explanation or timeline, and although the funds are now showing as available, I was told the account may be closed and the funds may not be released. 

I have provided all supporting documents to Chase, including proof of business registration, my EIN, franchise agreements, and my identification. Ive cooperated fully and received no evidence that the check is fraudulent. 

I am requesting that Chase release the available funds directly to me, either by cashiers check or ACH transfer, rather than returning them to the U.S. Treasury or keeping them frozen indefinitely.

I believe this situation is unreasonable and harmful to my business. There has been no formal explanation, no fraud evidence presented, and Chase continues to hold my funds without resolution.

I am asking for the Consumer Financial Protection Bureau to assist me in having my funds promptly released.

Company response to consumer: Closed with explanation