vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
To Whom It May Concern I am the owner of a cleaning service. I am writing to formally file a complaint regarding how my account was handled after a series of fraudulent checks were cashed without my authorization. 
On XX/XX/year>, three fraudulent checkseach in the amount of $ XXXX cashed against my account. I immediately went to my local Chase branch to report the incident. I Spoke to the branch manager XXXX XXXX about my situation and was told to talk to XXXX XXXX I spent over three hours at the branch trying to resolve the issue. I was told the funds would be refunded within a couple of days and that I needed to apply for fraud protection. I was also told someone would contact me to complete this process, but I never received a call. 
Two days later, four more fraudulent checkseach for $ XXXX cashed. I returned to the bank and spent two more hours with XXXX XXXX, who was very helpful and did his best to assist me, but unfortunately was not able to resolve the issue. The branch manager never stepped in to help during this time. 
I was told I needed to close my account to prevent further fraud, but I explained that I had payroll obligations and could not do that immediately. A representative assured me it would be okay to open a new account and continue writing checks from the old account, and that they would be paid from the new account. Based on that advice, I issued payroll checks. 
Unfortunately, none of the checks cleared. This led to employees not being paid on time, and I lost several workerssome even considered taking legal action against me. I was forced to reissue replacement checks, and those were then placed on extended holds of six days or more. When I returned to the bank once again and asked to speak to the branch XXXX XXXX XXXX I still received no meaningful assistance. 
This situation has caused serious financial and reputational harm to my business. I am requesting : I have spent many hours trying to get this resolved while my business suffers. I would appreciate a prompt and serious response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: FL

Complaint narrative:
I recently viewed my credit report and observed a number of hard inquiries that I did not authorize. 

The following are the inquiries that were not authorized 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 Equifax Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-27 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:
I am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: NC

Complaint narrative:
I am submitting this complaint because fraudulent and unauthorized inquiries have been reported on my consumer credit report as a result of identity theft. These inquiries were not initiated or authorized by me and constitute violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically 605B [ 15 U.S.C. 1681c-2 ], which requires the blocking of information resulting from identity theft, and 604 [ 15 U.S.C. 1681b ], which outlines the permissible purposes for accessing a consumer report.

I have contacted the companies responsible for these inquiries and none were able to provide any valid authorization or proof bearing my signature. Furthermore, I submitted a formal request to the credit reporting agency to investigate and remove these fraudulent inquiries. The FCRA mandates that such information be blocked within four ( 4 ) business days of receiving notice, yet these inquiries remain on my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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 am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements XXXX be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-06-27 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: GA

Complaint narrative:
I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the United States Code Law ( TILA ) 15 U.S. Code 1666 ( b ), billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
My identity has been stolen, I recently uncovered through the IRS. Someone has been using my Social Security number and identification to work and open accounts. I am now receiving notifications potential garnishments and accumulating debts as a result. Furthermore, I have encountered multiple data breaches, password compromises, and the creation of unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated 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 explanation
Consumer complaint received 2025-06-27 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: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated 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 2025-06-27 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: TX

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-27 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: NC

Complaint narrative:
I am submitting this complaint because fraudulent and unauthorized inquiries have been reported on my consumer credit report as a result of identity theft. These inquiries were not initiated or authorized by me and constitute violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically 605B [ 15 U.S.C. 1681c-2 ], which requires the blocking of information resulting from identity theft, and 604 [ 15 U.S.C. 1681b ], which outlines the permissible purposes for accessing a consumer report.

I have contacted the companies responsible for these inquiries and none were able to provide any valid authorization or proof bearing my signature. Furthermore, I submitted a formal request to the credit reporting agency to investigate and remove these fraudulent inquiries. The FCRA mandates that such information be blocked within four ( 4 ) business days of receiving notice, yet these inquiries remain on my 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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I submitted formal dispute letters to Equifax, citing 15 U.S.C. 1681c-2, demanding the immediate investigation or deletion of multiple inaccurate, unverifiable, or outdated tradelines, including forgiven federal student loans. These letters included copies of my ID, proof of address, and Social Security Disability award letter.

Despite my request for action within four business days, the tradelines remain, including : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX loan accounts were forgiven through federal cancellation programs and should not be reported. Their continued presence violates the Fair Credit Reporting Act and CFPB student loan reporting guidance. 

I respectfully request the immediate deletion of all unverifiable and forgiven tradelines, and written confirmation that this action has been completed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The account shows a balance over my credit limit and the account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: NC

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/year> - $ XXXX am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/year> - {$500.00}

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
XXXX and Experian keep reporting false information that violated FCRA. They issued a XXXX this is not a duplicate item do not close and investigate. It is illegal to report that debt is canceled and state a balance is owed to the credit bureau. They can not tell the irs they forgave the debt and treat as taxable income and report a balance delete this tradeline immediately or I will be seeking litigation for Experian discover and iron horse funding this is a final request

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 2025-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I was notified that Resurgent Acquisitions has bought my consumer credit account from XXXX XXXX. I was not informed before, and I do not consent to it. XXXX XXXX does not have a POA on the account. This is fraud. Possessing or buying of my private financial information without my consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CapitalJ Inc. dba Juno
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I understand that the CFPB has filed a statement of interest in the XXXX bankruptcy case, indicating their belief that XXXX may have violated the Consumer Financial Protection Act. I am writing to provide a personal statement regarding the financial and emotional harm I have experienced as a result of the account disruptions tied to XXXX XXXX XXXX and its associated partner banks and fintech platforms. 

I was a customer of Juno Finance which used XXXX XXXX Technologies to facilitate banking services. My account was held at XXXXXXXX XXXX XXXX XXXXXXXX and was frozen on or around XX/XX/year>, without warning. 

When my account was frozen, I had {$4600.00} in the account. Since then, I have not recovered any balance, leaving {$4600.00} still inaccessible over a year later. 

This interruption has caused me significant hardship. Specifically : I could not pay my tuition fees in time which lead me to experienced severe anxiety and distress due to the sudden loss of access to my savings. 

I am not a venture capitalist or an institutional investorI am a retail consumer who trusted a financial product that was marketed as safe and FDIC-insured. No one should lose access to their legally deposited money because of behind-the-scenes failures between banks and middleware providers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The account shows a balance over my credit limit and the account is closed.

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The account shows a balance over my credit limit and the account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: CA

Complaint narrative:
The account shows a balance over my credit limit and the account is closed.

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-06-27 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am disputing the reporting of late payment ( s ) tied to an account that has been closed for some time. After the account was closed, I noticed that derogatory informationspecifically late paymentscontinued to appear on my credit report. This raised immediate concern, as I had fulfilled the account terms, and no new activity should have been reported after closure. 
To resolve this, I submitted several disputes directly to the credit bureaus and the original creditor, asking for a proper review and supporting documentation of the alleged delinquencies. However, instead of receiving concrete evidence or a detailed account history, I was met with generic responses that did not clarify or justify the reporting. 
It is my understanding that once an account is closed, reporting must reflect the final and accurate status as of the date of closure, in accordance with Metro 2 data furnishing standards and the Fair Credit Reporting Act ( FCRA ). Continuing to report late payments after the account has been settled or closedespecially without verificationmisrepresents my credit behavior and damages my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief