vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: PA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I sent out a ftc report with the companies information to the bureaus and removed fraudulent information from my account, from both Equafix and Tranunion

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
What happened I am a long-time Chase customer since XXXX  across several states. I recently starteXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Because deposits and expenses overlapped, I was charged XXXX overdraft fees. I contacted customer service, secure message, the Chase Executive Office email, and a branch manager. All told me that I had too many past reversals and they could not help, even though this was a one-time hardship caused by business startup timing.

What I am asking for I am asking for a review by a higher-level team with authority to provide a one-time courtesy adjustment or partial refund. I have kept my account positive since and want to continue banking with Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: LA

Complaint narrative:
In XX/XX/year>, my Cash App account was permanently restricted without any clear explanation or prior warning. Since that time, I have submitted multiple appeals and formal requests seeking a detailed explanation and documentation supporting the decision to restrict my account. Despite these efforts, Cash App has only provided generic responses and has failed to disclose the specific policy or transaction that allegedly led to this action. 

I have used the account infrequently and have not been informed of any suspicious or prohibited activity. The absence of transparency has prevented me from understanding or resolving the issue. I am requesting that Cash App provide a comprehensive explanation and all relevant evidence regarding the account restriction, in accordance with federal consumer protection regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

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 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. 

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature.

The complete payment history and itemized breakdown showing how the alleged balance was calculated.

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor.

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

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 2025-11-21 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:
Experian has failed to meet its legal obligations under the Fair Credit Reporting Act ( FCRA ) by not conducting a reasonable reinvestigation of the information I disputed on my credit report. As a result, inaccurate or unverified accounts remain unresolved. 

The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian for systemic failures, including not forwarding consumer-provided evidence to furnishers, accepting unreliable responses, and failing to properly notify consumers of dispute results. My experience reflects these same issues. Despite the evidence I submitted, Experian has neither corrected nor removed the disputed items, causing ongoing harm to my credit profile.

I am requesting immediate corrective action to remove or update the disputed account, as Experians inaction violates federal law and infringes on my rights as a consumer. 

Account : XXXX XXXX XXXX XXXX XXXX  XX/XX/year> Amount : {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature.

The complete payment history and itemized breakdown showing how the alleged balance was calculated.

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor.

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
All disputed accounts must be processed and cleared within legally set periods.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: MN

Complaint narrative:
Robinhood froze my account for no stated reason. I was restricted from buying stock or transferring to my bank account. The restriction was initially for 7 days until XX/XX/XXXX. However, the XXXX has come and gone with ZERO updates. Robinhood has also locked me out of their support options. They have removed any option from the support chat it other than yes, thats all. I have no means to access my money. They are holding {$9800.00} without explanation for why, how long they are going to hold it, or what I can do to receive it. They have basically stolen the money. I have zero power over the money now and no way to access support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-21 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: FL

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items.

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: IL

Complaint narrative:
MOHELAs additional research needed response is unacceptable and is a direct violation of federal law. This is a stall tactic and does not meet the requirements of the Fair Credit Reporting Act.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), a furnisher and CRA have 30 days to complete a reasonable investigation. They can not extend this period simply because they do not have the records, and they can not continue reporting information that is unverified, disputed, or incomplete.

Equifax already deleted this same MOHELA account after CFPB intervention. That proves the information is unverifiable. If it cant be verified for one bureau, it can not be verified for any bureau. Continuing to report unverified data violates 15 U.S.C. 1681e ( b ) ( failure to maintain maximum accuracy ) and 15 U.S.C. 1681s-2 ( b ) ( failure of the furnisher to investigate and correct inaccurate information ).

MOHELAs inability to produce documentation within the required window is not my problem.

The law is clear : If verification can not be produced, the account MUST be deleted.

Anything else is a violation.

I am requesting CFPB enforcement for the following : Immediate deletion of the MOHELA account from TransUnion due to failure to verify within the statutory timeframe.

A determination that MOHELA is in violation of 1681i, 1681e ( b ), and 1681s-2 ( b ).

Written proof of what MOHELA claims to be researching, since they have already exceeded the lawful period for investigation.

Confirmation that TransUnion stops reporting disputed and unverified information, per FCRA 1681c-2.

MOHELA has had more than enough time. Their inability to provide evidence is not additional researchit is noncompliance. The FCRA does not allow companies to drag out investigations indefinitely to avoid deleting inaccurate information.

I am demanding immediate action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
Dear XXXX, I am filing a dispute regarding the following items on my Experian credit report : Charged Off Accounts : XXXX XXXX XXXX : Account number ending in XXXX * *. 
This account shows as charged-off with a balance of {$650.00}, reported on XX/XX/XXXX. I believe this entry to be inaccurate or incomplete. Kindly conduct a thorough review and provide an accurate reflection of this account. 

Inquiries : XXXX XXXX XXXX : Inquiry dated XX/XX/XXXX. 

XXXX XXXX : XXXX dated XX/XX/XXXX. 
These inquiries appear on my report, and I believe they may be unauthorized or incorrectly reported. Please verify their legitimacy.

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 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Continuously calling everyday all day long even on weekends and holidays any hours of the day and night XXXX to take me to court did they put his numerous notice on my door but I have no knowledge of portfolio recovery I have no business with them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: CA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed these XXXX accounts more than XXXX  times and submitted prior CFPB complaints. The credit bureau continues to verify the accounts even though the furnisher has not provided legitimate documentation to prove accuracy. 

The bureaus investigation relies solely on XXXX internal records through e-OSCAR, which is insufficient under the XXXX XXXX. TransUnion ruling. 

There are clear inconsistencies proving the data is inaccurate : Different Date of Last Activity for the same account Mixed status reporting ( Open, Charge-off, and Closed ) Missing original creditor documentation No chain of assignment No contract or application proving the debt belongs to me This shows a failure to conduct a reasonable reinvestigation under FCRA 611 ( a ).

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 2025-11-21 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:
I was a XXXX  of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXXXXXX XXXX  XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX - XX/XX/year> XXXX. XXXX - XX/XX/year>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 2025-11-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Issue Type : Bank account or service Privacy & data protection Information was shared improperly Complaint Text : I am filing a complaint regarding an improper disclosure of my personal financial information by JPMorgan Chase Bank. 

A fraud alert connected to a transaction on my personal savings account was sent to an unauthorized individual who has no connection to the account and no permission to receive information about it. This individual is my business partner, but he is not listed on my personal account in any capacity, has no access, and should not receive notifications about my account activity.

This represents a serious privacy breach and may violate the Gramm-Leach-Bliley Act ( GLBA ), which requires financial institutions to safeguard and prevent disclosure of sensitive customer data. Chase improperly transmitted information from my personal account to an unrelated third party without my authorization.

When I contacted Chase to request an explanation, they were unable to provide : The reason the alert was sent to an unauthorized recipient How the disclosure occurred What specific information was shared Evidence that the issue was corrected Assurance that my account information is now secure This incident has caused confusion and alarm in my business relationship and raises concerns about Chases internal controls and their ability to properly protect consumer financial information.

I am requesting the CFPB to : Require Chase to conduct a full investigation into how my personal account information was disclosed.

Confirm what data was shared and why it was sent externally.

Ensure Chase issues a written explanation and correction.

Verify that Chase is taking steps to prevent this from happening again.

I am seeking a complete response from Chases compliance and privacy departments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

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