vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: CO

Complaint narrative:
XXXX closed my HELOC account with no notification in XXXX of XXXX due to the false information on fraudulent charges on XXXX XXXX XXXX XXXX XXXX. I have gone through the process multiple times providing all information necessary to XXXX to reinstate my HELOC and they are refusing even though they have acknowledged that issues with the fraudulent charges that XXXX XXXX has slowly been removing and correcting their incorrect reports. 

XXXX continues to state that my debt to income ratio is bad, when my credit reports all show results between 12 % and 22 %. Additionally I provided my debt to income ration in XXXX of XXXX and XXXX of XXXX to XXXX and they stated they didn't care that it clearly demonstrates that there are no issues with my debt to income ratio and that it's better lower percentage in XXXX than it was in XXXX. 

XXXX continues to violate my contracted HELOC by using biased algorithms and discrimination against me and not re-opening my secured loan with them.

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

Complaint narrative:
XXXX closed my HELOC account with no notification in XXXX of XXXX due to the false information on fraudulent charges on XXXX XXXX XXXX XXXX XXXX. I have gone through the process multiple times providing all information necessary to XXXX to reinstate my HELOC and they are refusing even though they have acknowledged that issues with the fraudulent charges that XXXX XXXX has slowly been removing and correcting their incorrect reports. 

XXXX continues to state that my debt to income ratio is bad, when my credit reports all show results between 12 % and 22 %. Additionally I provided my debt to income ration in XXXX of XXXX and XXXX of XXXX to XXXX and they stated they didn't care that it clearly demonstrates that there are no issues with my debt to income ratio and that it's better lower percentage in XXXX than it was in XXXX. 

XXXX continues to violate my contracted HELOC by using biased algorithms and discrimination against me and not re-opening my secured loan with them.

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 2025-04-04 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: CO

Complaint narrative:
XXXX closed my HELOC account with no notification in XXXX of XXXX due to the false information on fraudulent charges on XXXX XXXX XXXX XXXX XXXX. I have gone through the process multiple times providing all information necessary to XXXX to reinstate my HELOC and they are refusing even though they have acknowledged that issues with the fraudulent charges that XXXX XXXX has slowly been removing and correcting their incorrect reports. 

XXXX continues to state that my debt to income ratio is bad, when my credit reports all show results between 12 % and 22 %. Additionally I provided my debt to income ration in XXXX of XXXX and XXXX of XXXX to XXXX and they stated they didn't care that it clearly demonstrates that there are no issues with my debt to income ratio and that it's better lower percentage in XXXX than it was in XXXX. 

XXXX continues to violate my contracted HELOC by using biased algorithms and discrimination against me and not re-opening my secured loan with them.

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 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I had an account with Chase for years. I was getting direct deposit and when my ex boyfriend lived with me I had used my debit card to pay for XXXX but it was on his XXXX account. We then broke up and I asked for my card to be removed. When I got charged again I called Chase. They credited the {$13.00} back as a provisional credit then soon after I was not able to log in or use my card as my check got deposited so I called and I was told my account was being closed and they couldnt tell me why. I called back again to try and get a answer and the representative told me XXXX refunded the money already and I also got the money back from them but I only received XXXX credit and it was directly from Chase and I NEVER reached out to XXXX especially since it was through the XXXX store I dont even know how to dispute through that way. This was many years ago and when I tried to open a business bank account the banker told me it says do not open accounts and again a estate account for my father in-law in XXXX, as the personal representative for the estate even with my legal paperwork I got turned away. They have been rejecting me over {$13.00} from years ago and based off false information provided from them.

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

Complaint narrative:
Hi CFPB, I am writing to formally request the removal of a derogatory mark on my credit report related to XXXX XXXX XXXXXXXX account number XXXX, an auto loan for my youngest daughter, XXXX XXXX, which I co-signed. This loan originated in XX/XX/year>. Although my contact information is listed on the account, all statementsboth paper and electronichave historically been sent solely to XXXX, the primary borrower. 
In XXXX of this year, while logging into my XXXX XXXX app to pay a credit card balance, I was surprised to be notified of a XXXX-day delinquency on this auto loan. Upon learning of this issue, I immediately took action to bring the account current. Unfortunately, this delinquency has resulted in a XXXX point drop in my FICO credit score. 
I respectfully request the removal of this negative mark, considering the following factors : I have had multiple loans and lines of credit, both past and current, with XXXX XXXX, all of which reflect a perfect payment history. 


My daughter, who was solely receiving account statements, was unaware of the impact of a missed payment on credit scores. This has been a learning experience for her, and I have since ensured that all future statements are sent directly to me so I can personally oversee payments and prevent any recurrence. 


As a co-signer, I was surprised that I never received any prior notification directly to me of a late or missed payment until after the account was already XXXX  days delinquent. 


In the coming months, I am resetting an eight-figure commercial mortgage, and this derogative credit score impact is likely to have significant financial implications. 


I appreciate your time and consideration in reviewing this request and look forward to your response. 
Sincerely,

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

Complaint narrative:
Hi CFPB, I am writing to formally request the removal of a derogatory mark on my credit report related to Well 's XXXX account number XXXX, an auto loan for my youngest daughter, XXXX XXXX, which I co-signed. This loan originated in XX/XX/year>. Although my contact information is listed on the account, all statementsboth paper and electronichave historically been sent solely to XXXX, the primary borrower. 
In XXXX of this year, while logging into my XXXX XXXX app to pay a credit card balance, I was surprised to be notified of a XXXX delinquency on this auto loan. Upon learning of this issue, I immediately took action to bring the account current. Unfortunately, this delinquency has resulted in a XXXX point drop in my XXXX XXXX XXXX. 
I respectfully request the removal of this negative mark, considering the following factors : I have had multiple loans and lines of credit, both past and current, with XXXX XXXX, all of which reflect a perfect payment history. 


My daughter, who was solely receiving account statements, was unaware of the impact of a missed payment on credit scores. This has been a learning experience for her, and I have since ensured that all future statements are sent directly to me so I can personally oversee payments and prevent any recurrence. 


As a co-signer, I was surprised that I never received any prior notification directly to me of a late or missed payment until after the account was already XXXX  days delinquent. 
In the coming months, I am resetting an XXXX XXXX XXXX, and this derogative credit score impact is likely to have significant financial implications. 


I appreciate your time and consideration in reviewing this request and look forward to your response. 
Sincerely,

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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Hi CFPB, I am writing to formally request the removal of a derogatory mark on my credit report related to XXXX XXXX XXXXXXXX account number XXXX, an auto loan for my youngest daughter, XXXX XXXX, which I co-signed. This loan originated in XX/XX/year>. Although my contact information is listed on the account, all statementsboth paper and electronichave historically been sent solely to XXXX, the primary borrower. 
In XXXX of this year, while logging into my XXXX XXXX app to pay a credit card balance, I was surprised to be notified of a XXXX delinquency on this auto loan. Upon learning of this issue, I immediately took action to bring the account current. Unfortunately, this delinquency has resulted in a XXXX point drop in my FICO credit score.

I respectfully request the removal of this negative mark, considering the following factors : I have had multiple loans and lines of credit, both past and current, with XXXX XXXX, all of which reflect a perfect payment history. 


My daughter, who was solely receiving account statements, was unaware of the impact of a missed payment on credit scores. This has been a learning experience for her, and I have since ensured that all future statements are sent directly to me so I can personally oversee payments and prevent any recurrence. 


As a co-signer, I was surprised that I never received any prior notification directly to me of a late or missed payment until after the account was already XXXX  days delinquent. 


In the coming months, I am resetting an XXXX XXXX XXXX, and this derogative credit score impact is likely to have significant financial implications. 


I appreciate your time and consideration in reviewing this request and look forward to your response. 
Sincerely,

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 2025-04-04 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-04 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-04 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:
Complaint Summary : I am filing this complaint regarding the handling of an inaccurate item on my credit report, which I have worked diligently to have removed after submitting all requested documentation to the involved parties. Despite my efforts, XXXX XXXX  TransUnion, and Equifax have failed to conduct a proper investigation or remove the inaccurate item from my credit report. 

Details of the Issue : I submitted all necessary documents to XXXXXXXX XXXX TransUnion, and Equifax as requested to support my case for the removal of this incorrect entry. These documents included [ briefly list the documents you submitted, such as payment records, settlement agreements, dispute letters, etc. ]. However, despite providing comprehensive evidence, the investigation conducted by these parties was inadequate, and they failed to take appropriate action to remove the inaccurate information from my credit report.

This situation is particularly distressing because it feels as though these institutions are taking advantage of Black and low-income individuals like myself. The continued existence of incorrect information on my credit report, despite my diligent efforts and submission of supporting documents, feels like an ongoing burden that disproportionately affects marginalized communities. It seems as if these institutions are profiting from the financial struggles of people who are already at a disadvantage, making it even harder for individuals like me to rebuild or improve their credit standing. 

To date, the item remains unresolved, and my credit report continues to reflect incorrect information that is damaging to my credit profile. This is causing me undue stress, mental anguish, and emotional distress, potentially affecting my ability to obtain credit or loans at favorable rates, and hindering my financial and personal stability.

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 2025-04-04 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: DISCOVER BANK
State: PA

Complaint narrative:
Complaint Summary : I am filing this complaint regarding the handling of an inaccurate item on my credit report, which I have worked diligently to have removed after submitting all requested documentation to the involved parties. Despite my efforts, Discover Bank, XXXX, and XXXX have failed to conduct a proper investigation or remove the inaccurate item from my credit report. 

Details of the Issue : I submitted all necessary documents to Discover Bank, XXXX, and XXXX as requested to support my case for the removal of this incorrect entry. These documents included [ briefly list the documents you submitted, such as payment records, settlement agreements, dispute letters, etc. ]. However, despite providing comprehensive evidence, the investigation conducted by these parties was inadequate, and they failed to take appropriate action to remove the inaccurate information from my credit report. 

This situation is particularly distressing because it feels as though these institutions are taking advantage of Black and low-income individuals like myself. The continued existence of incorrect information on my credit report, despite my diligent efforts and submission of supporting documents, feels like an ongoing burden that disproportionately affects marginalized communities. It seems as if these institutions are profiting from the financial struggles of people who are already at a disadvantage, making it even harder for individuals like me to rebuild or improve their credit standing. 

To date, the item remains unresolved, and my credit report continues to reflect incorrect information that is damaging to my credit profile. This is causing me undue stress, mental anguish, and emotional distress, potentially affecting my ability to obtain credit or loans at favorable rates, and hindering my financial and personal stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-04 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( XXXX XXXX XXXX ( XXXX ) ). Pursuant to XXXX XXXX XXXX, I have identified the following accounts that have breached these legal provisions : XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX XX/XX/year> These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in XXXX XXXX XXXX ( a ) ( XXXX ). 
According to XXXX XXXX XXXX, Section XXXX ( A ), I have the right to privacy. Furthermore, under XXXX XXXX XXXX, Section XXXX ( A ), Section XXXX, a consumer reporting agency can not furnish an account without my written instructions. Also, XXXX XXXX XXXX ( a ) ( XXXX ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 
Finally, under XXXX XXXX XXXX ( a ) ( XXXX ), no person shall 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. Additionally, according to XXXX XXXX XXXX ( a ) ( XXXX ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
Consumer Name : XXXX XXXX of Incident : XX/XX/XXXX, XXXX Against : Cash App / Block , Inc . 

Nature of Complaint : This complaint focuses solely on a case of fraudulent inducement. I was intentionally deceived into transferring {$750.00} through Cash App under the false pretense of obtaining legal services. While the transaction was initiated by me, it was the direct result of manipulation and misrepresentation by the recipientqualifying it as an unauthorized electronic fund transfer under Regulation E.

Regulatory Basis Regulation E Interpretation : Regulation E ( 12 CFR 1005.2 ( m ) ) defines an " unauthorized electronic fund transfer '' to include those initiated by the consumer if the transfer was induced by fraud : " An unauthorized EFT includes a transfer initiated by a person who obtained the access device from the consumer through fraud or robbery. This includes situations in which a consumer is induced by fraud to share account credentials or to initiate a transfer themselves. '' This interpretation, directly from CFPBs regulatory commentary, establishes that fraudulently induced transfers initiated by the consumer still qualify as unauthorized EFTs. 

Details of Fraudulent Inducement : On XX/XX/year>, I contacted an individual identifying himself as XXXX XXXX, who advertised himself as an attorney offering tenant legal services. 

I was instructed to send {$750.00} via Cash App to secure representation. 

After payment, I was emailed a legal agreement to sign through XXXX, but I never received a countersigned copy in return. 

Attempts to reach XXXX XXXX from XX/XX/XXXX to XX/XX/year>, were ignored. 

On XX/XX/year>, I asked for a refund due to the lack of communication. Afterward, I was blocked on Cash App. 

XXXX XXXX later responded via text stating that a refund would be issued in 10 days due to a " system outage, '' which has not occurred. He has since remained unreachable. 

Address of Offender : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incident Location ( per police report ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Cash App Case XXXX.

Company response to consumer: Closed with explanation