vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$280.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$660.00}

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 2025-08-19 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: TX

Complaint narrative:
This reported item does not match my established payment record and seems incorrect. Please update my file after review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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 contest the tradelines reflecting accounts not opened by me. Kindly conduct a rigorous examination and delete them from my credit history. Supporting materials accompany this submission.

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 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
The collection agency is violating consumer rights and damaging my credit. This account is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The inaccuracies on my credit report are a serious obstacle to my financial freedom, as my applications for new credit continue to be denied because of them. It is extremely frustrating to experience these violations of my rights as a consumer.

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 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: IA

Complaint narrative:
Inworked for XXXX XXXX in XXXX  amd left the agency within a few months. We had monthly fees deducted from our bank accounts. Got a call a couple years ago from the company I asked for invoice amd denied balance as I paid monthly. The response they sent it to 3rd party company. They 3rd party company I C. Systems then re-aged account as new and claimed I made an payment but can't say how much I paid. I paid none as far as I know. I have had no business with debter since XXXX. I have disputed this many times with credit companies they simply verify that I.C. Systems days I owe it and that's it. I'm ready to sue everyone.

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 2025-08-19 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: IN

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 2025-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/year> To the Consumer Financial Protection Bureau : I am writing to file a formal complaint against Chase Bank regarding an issue that has caused significant financial hardship. Despite my repeated attempts to resolve the matter directly with the bank, their response has been unsatisfactory, leaving me no choice but to seek your assistance. The situation involves criminals impersonated Chase Bank, spoofing the caller ID and mimicking their automated phone system, which led me to believe I was speaking with a legitimate representative. I acted on their instructions under the false pretense of protecting my account. This incident highlights a significant vulnerability in their system and a failure to protect a long-standing customer from highly deceptive tactics. I expect a fair review of my case and immediate action to reverse this fraudulent loss. I have documented all my communications with Chase, including dates, names of representatives I spoke with, and the case numbers provided, but a resolution has not been reached. I request that the CFPB investigate this matter and work with Chase Bank to provide a fair and swift resolution, which would include I am demanding a full reimbursement for funds lost in a sophisticated scam. Thank you for your time and for your role in protecting consumers. 

Sincerely, XXXX XXXX XXXX p.s. 
Chase Bank has all the documentation to prove of this transaction. 
Since I had to change all my passwords, I no have access to my old account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: CA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with Experian Information Solutions Inc. due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX Creditor Name : CAPITAL XXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process. 
Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. 
Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal. 
Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

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 2025-08-19 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: GA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I went to withdraw money from an atm inside bank premises on XXXX XX/XX/year> earlier in the morning, I requested {$500.00} the atm frozen keep my card for safety reason and not money I get. 
I went back went bank was open and I talk with a employee, he gave a new card. Next day I saw in my phone app the bank said I took {$500.00} in the morning, I thought they made a mistake and going to fix but didnt happen. I went again to make a complaint ( subj : XXXX ) and employee said in one week is going to be fixed. But never happened today I receive a letter saying my claim is denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
On XXXX XX/XX/year>, payment to payoff account was sent out through United States Post Office. First payment was lost now second payment have not been posted. 
Now account is being reported as closed, never missed any payment nor have every been late. Account been open for 3 years.

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 monetary relief
Consumer complaint received 2025-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 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 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: GA

Complaint narrative:
The collection agency is violating my consumer rights and damaging credit. This account 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 2025-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
received XXXX phone calls from the phone number ( XXXX ) XXXX which showed XXXX XXXX as the call ID. answered the fifth time they called. 
advised that a man named XXXX XXXX stated he had accidentally sent {$10000.00} to my personal checking account at Chase. During this time i received text messages from the phone number ( XXXX ) XXXX by a XXXX XXXX claiming that he accidentally sent {$10000.00} to the same account. I felt this was a little off and hung the phone up and called my bank, Chase. Chase advised that there is no information and knowledge of {$10000.00} being sent to my account. while on the phone i gave important information concerning his bank account. I also received a text message from someone else saying they had been victim to the same scam by the same person On XX/XX/year>, {$2500.00} was taken from account to XXXX XXXX ( $ XXXX ). 
I had already contacted the bank and they advised that i needed to submit a police report because on XX/XX/year> XXXX XXXX reversed the claim. XXXX XXXX claims that I was the one committing the Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: VA

Complaint narrative:
CFPB Complaint Complainant : Subject : Dispute of Unauthorized Transactions and Denial of Provisional Credit Bank of America Fraud Claim Description of the Issue On XX/XX/year>, I discovered multiple unauthorized transactions totaling {$10000.00} on my Bank of America account ending in XXXX. The transactions were posted on XX/XX/year>, with payment authorization dates of XX/XX/XXXX and XX/XX/year>, including XXXX {$3000.00} payments to XXXX and XXXX payments of {$4200.00} and {$100.00} to XXXX. I did not authorize or approve these transactions. 

Upon discovery, I immediately contacted Bank of America and reported the fraud, informing them that my personal informationemail, phone, XXXXXXXX XXXX  drivers license, Social Security number, and Bank of America credentialshad been compromised. I took immediate steps to secure my accounts, changed all passwords and login information, reported the identity theft to IdentityTheft.gov, filed a police report, and froze my credit. 

I provided a sworn written statement on XX/XX/year>, documenting the fraud and corrective actions. 

Bank of Americas Response and Problems On XX/XX/year>, Bank of America denied my claim, citing authorization or permission to use the account, partly based on my delay in reporting and timing of requesting a new card. 

I spoke with a representative who reopened my case that same day. 

On XX/XX/year>, Bank of America claimed the denial was due to transaction verification via text messages, which I never authorized and repeatedly informed them of the compromise. 

Bank of America refuses to provide provisional credit because the claim was closed and reopened on the same day, ignoring the XXXX timeline for investigation and provisional credit required by Regulation E.

Legal Framework Under Regulation E, 12 C.F.R. 1005.11 ( c ) ( 2 ) ( i ), Bank of America must provisionally credit my account if the investigation is not completed within 10 business days. The bank has failed to comply with this requirement.

Relief Requested Immediate provisional credit of the disputed {$10000.00} while the investigation continues.

A thorough and unbiased investigation considering all submitted evidence.

Copies of all documents and merchant communications used to deny my claim.

Enforcement of Bank of Americas compliance with Regulation E and federal law to protect consumers from unauthorized electronic fund transfers.

This situation has caused me severe financial hardship and emotional distress. I seek the CFPBs assistance to ensure Bank of America upholds its legal responsibilities and resolves this dispute fairly. 

Thank you for your attention and assistance.

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 monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Payward Ventures Inc. dba Kraken
State: NC

Complaint narrative:
Product : Virtual Currency ( Cryptocurrency Exchange ) Company : Kraken ( Payward , Inc. ) Complaint Narrative : On XX/XX/2025, Kraken emailed me confirming I had qualified for a {$10.00} XXXX new-user bonus, stating : Congrats! Youve qualified for a 10.00 USD in XXXX  bonus! 
XXXX USD in XXXX is on the way. 

This confirmation was sent after I deposited funds and executed a XXXX XXXX, which satisfied all published promotion requirements ( fund account, trade at least {$1.00} in XXXX, new user only ). 

Despite this written confirmation, Kraken later refused to credit the bonus. Support incorrectly cited referral program disclaimers ( bonuses not guaranteed ) that do not apply to this new-user promotion. This is a misrepresentation and deceptive marketing practice. 

I provided Kraken with proof, but they declined to honor their written confirmation. Their refusal to deliver a stated and confirmed bonus constitutes : Deceptive or misleading promotion Failure to honor contractually binding terms Unfair business practice under consumer protection standards

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