vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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: CT

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 identity 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 explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On or around XX/XX/year>, I was charged {$26.00} by XXXX for a ride that I never took. After submitting a claim through XXXX system, the company refunded the charge. However, the same amount was later re-applied to my Chase Bank credit card account without any notice or authorization. 
I did not approve this re-charge, and I was not notified by XXXX or Chase Bank prior to the deduction. When I contacted Chase, they stated that the transaction could not be canceled because it had been processed as a valid merchant charge, even though it was clearly a re-posted refund. 
Additionally, XXXX deactivated my original account ( under the name ) after the claim, and I had to create a new account using the name XXXX XXXX. I no longer have access to my original ride history or support messages. As a result, I am unable to submit a follow-up complaint directly through the XXXX app or website. 
I am seeking a full refund of the {$26.00} and a formal investigation into why this unauthorized charge was processed without any review or communication. I believe this issue involves a breakdown in both XXXX and Chases dispute and transaction protocols. 
I am attaching transaction records and correspondence to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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 am and have been a victim of identity theft. I also was a victim of the XXXX Data Breach. I have disputed these fraudulently opened below fraudulently opened accounts for over a year now and they remove it temporarily and place it back on my report. XXXX and XXXX found these accounts not to be validated and removed them but TransUnion continues to post these fraudulent accounts on my credit report immediately. 

XXXX- XXXX {$4000.00} 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 2025-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: OH

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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: NJ

Complaint narrative:
on or about XXXX an auto loan was taken out in my name. I was the victim of identity theft I never took out this loan an improper investigation " shame investigation was conducted by Experian They simply relied on the data furnisher in spite of FTC affidavit and several police reports. Please instruct me on how to handle this Thank you XXXXXXXX XXXX XXXXXXXX

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 2025-04-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
I am a XXXX XXXX  survivor, and I submitted a valid request under the Debt Bondage Repair Act ( DBRA ) and FCRA 605C, which grants survivors the legal right to block adverse information resulting from XXXX  from all consumer reporting agencies. 
While ChexSystems acknowledged and blocked items from my consumer report, they refused to block the following adverse information codes from my ChexSystems score report, despite them clearly being : XXXX XXXX Closure Payment History XXXX XXXX History XXXX XXXX Closure ( s ) XXXX  Unavailable Retail Item History XXXX  Insufficient XXXX  Inquiry Activity Same XXXX  These codes continue to adversely impact my ability to open a basic checking account and access essential financial services necessary for rebuilding stability. Under Section 605C, ChexSystems must block any adverse item of information resulting from a trafficking situationthis includes information used in score reports that affect account decisions. 
Their refusal to suppress these codes not only contradicts 605C, but also discriminates against survivors by selectively applying relief.

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 2025-04-14 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: NY

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report and to demand a reinvestigation in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Despite prior requests, you have failed to provide verifiable documentation supporting the accuracy of the disputed account ( s ), violating your duties under FCRA 611 ( a ) and 623 ( b ). Continued noncompliance also exposes you to liability under FCRA 617. 
Legal Liability for FCRA Violations Numerous court decisions have held credit reporting agencies and furnishers financially liable for FCRA violations, including : 1. XXXX XXXX TransUnion LLC, XXXX XXXX XXXX XXXX ( XXXX ) The U.SXXXX Supreme Court upheld a class-action lawsuit against TransUnion for improperly labeling consumers as potential terrorists or drug traffickers without proper verification. The company was ordered to pay over {$60.00} XXXX in damages. 
2. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX  XXXX ( XXXX XXXX. XXXX ) XXXX XXXX was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive damages. 
3. XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for millions in damages. 
4. XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) XXXX was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm. 
5. CFPB Enforcement Action against TransUnion ( XXXX ) The Consumer Financial Protection Bureau ( CFPB ) fined TransUnion {$3.00} XXXX for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights. 
These precedents highlight the legal risks of noncompliance with FCRA obligations. 
Disputed Account : Pursuant to FCRA 611 ( a ), I request a prompt reinvestigation of the following : 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 2025-04-13 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: PA

Complaint narrative:
I am filing this complaint against TransUnion and Experian for reporting closed accounts in a manner that is misleading, inaccurate, and in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

The closed accounts in question are being reported as if they are still active, delinquent, or negatively impacting my credit profile. This type of reporting is deceptive and fails to comply with the legal standards for accuracy and fairness in consumer credit reporting.

Violations Under the FCRA : 15 U.S.C. 1681e ( b ) : TransUnion and Experian have failed to maintain reasonable procedures to assure maximum possible accuracy of the information they report.

15 U.S.C. 1681i ( a ) : After disputes were made directly to the credit bureaus, they failed to conduct a reasonable reinvestigation and continue to report inaccurate data.

15 U.S.C. 1681s-2 ( b ) : If the furnishers of this data were notified of my dispute, both TransUnion and Experian failed to properly investigate or delete the inaccurate information. 

Violations Under the FDCPA ( if a debt collector is involved in furnishing the information ) : 15 U.S.C. 1692e ( 8 ) : Communicating or threatening to communicate false credit information, including failing to communicate that a debt is disputed.

15 U.S.C. 1692f : Engaging in unfair or unconscionable means to collect or report information. 

These closed accounts do not reflect current, actionable debts, and should not be presented in a way that suggests they are active or derogatory. Their continued presence in this format is damaging to my creditworthiness, especially when no legitimate purpose or accurate basis for the reporting exist

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I submitted the required documentation to Cash App for review, following their instructions for resolving an account freeze. At XXXXXXXX XXXX XXXX, I received confirmation from Cash App that the documents had been successfully submitted, and I was instructed to wait for further notifications. 
On XX/XX/XXXX, after not receiving any updates, I reached out to Cash App through their support channels, stating my intention to escalate the matter by calling customer service. Despite my efforts, the account remained frozen with no explanation provided for the delay. 
On XX/XX/XXXX, I called Cash Apps customer service line to follow up. I clearly expressed my concern about the prolonged freeze on my account and requested an explanation. 
Between XX/XX/XXXX, and the current date, I have continued to make multiple follow-up attempts via various channels, including their support page, to resolve the issue. To this date, Cash App has failed to provide a clear explanation for why my account is frozen or a timeline for when my funds will become accessible. 
This prolonged lack of resolution has caused significant inconvenience, and I believe it violates the trust inherent in a financial service provider. 
See attached for details : - Confirmation of document submission on XX/XX/XXXX. 
- Follow-up communications with Cash App, including their responses and case number XXXX. 
- Proof of my proactive efforts to resolve this issue. 
Legal Concern " I believe this situation raises serious legal and ethical concerns. The withholding of my funds, despite providing all required documentation and following the prescribed procedures, constitutes a violation of trust. This aligns with the definition of embezzlement, which refers to the intentional misappropriation of assets entrusted to someone for a specific purpose. 
Furthermore, this situation raises the fundamental question of accountability. How can a company like Cash App, which serves as a financial custodian, withhold funds without proper justification or consequences? This lack of transparency and resolution undermines the trust customers place in them and poses significant questions about the safeguards that protect users ' assets. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please note that the last upload dated XX/XX/XXXX shows that my funds are available, but they are truly not!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: ADP Inc.
State: TX

Complaint narrative:
XXXX ADP payroll services took out {$28000.00} instead of {$2400.00} for payroll tax. They were called immediately by my accountant and said they had refunded the money and it would be returned on XXXX. It was not. I had to infuse {$30000.00} cash into my business to pay all of bills as my account and overdraft account was completely empty. They told my accountant that XXXX XXXX  was holding my money. I called XXXX XXXX  and they couldnt see any transactions being held. We went into chase bank to talk to a XXXX and she said the same thing. I called client services at ADP XXXX XXXX XXXXXXXX and they said my money would be there the next day. Someone has to pay for this as this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: IL

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries that have appeared on my credit report. These inquiries were not initiated or authorized by me, and they are negatively affecting my credit score. 

The following hard inquiries are in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  of Inquiry : XX/XX/year> I did not apply for credit with these institutions, nor did I give consent for them to access my credit file. Under the Fair Credit Reporting Act ( FCRA ), only inquiries made with my explicit authorization for the purpose of obtaining credit or services may legally remain on my report.

I have contacted the credit reporting agencies and the creditors in question, but the issue remains unresolved. I am requesting the CFPBs assistance in having these unauthorized inquiries investigated and removed from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: Affirm Holdings, Inc
State: NC

Complaint narrative:
I tried to resolve this situation with each company on XX/XX/year>, asking each company to remove these items from my credit report, which I am not responsible for. I was also affected by the data breach with the credit bureaus, and these agencies are violating your consumer rights by using false, misleading, misrepresentation, and deceptive means. I have made previous attempts to fix these issues directly with them, but they are violating my rights. I am entitled to {$1000.00} for every violation I listed, and they either pay me or delete these accounts ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: GA

Complaint narrative:
There are inquires on my credit report that have made my score drop dramatically. This was done without my knowledge or consent. I pay my bills on time every month and I have not asked for more credit on them or anything. I am in process of trying to raise my score to buy a car and now that is impossible now. This has caused stress and frustration in my life and my health. I am a XXXX XXXX and I don't need this. Please hold these companies accountable. These credit card companies are also not reporting monthly as they are supposed to. There is also XXXX unconfirmed card on my profile that I know nothing about and nobody will tell me. Since I called XXXX XXXX I can only access some part of my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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: IN

Complaint narrative:
I filled a dispute for multiple transactions and they was never refunded.

Company response to consumer: Closed with explanation