vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 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: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally explain and dispute a transaction that appeared on my Chase credit card account on XX/XX/XXXX, in the amount of {$1500.00} USD. The merchant is listed as XXXX, which I later found out is a company based in XXXX. I do not recognize this transaction and have never made any purchases from this company. 

Due to my extremely busy schedule, I often rely on my husband and family members to help me manage routine tasks such as credit card payments, using my phone to do so. It wasnt until XX/XX/XXXX that I reviewed my statements more carefully and noticed this unfamiliar charge. I immediately filed a dispute with Chase. 

However, Chase denied my dispute, stating that the purchase was made using the same IP address associated with my account. I understand that this may be the case, as my family used my device to help with payments. But I want to emphasize that I did not authorize or recognize this transaction, and I have no knowledge of this merchant or what was supposedly purchased.

Given the international nature of the charge and the unusual amount, I am deeply concerned and believe that this is a fraudulent transaction. I am requesting CFPBs assistance in reviewing this matter, as I believe Chases denial was based solely on IP address data, without proper consideration of the full context. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my 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 non-monetary relief
Consumer complaint received 2025-03-27 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: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: NC

Complaint narrative:
This is now the second time Cashapp has closed my account. My first account was hacked and they did nothing to restore the account which lead to over {$35000.00} ran through the account and me hit by the irs for taxes owed that were not mine. I am still fighting that with no help from cashapp. Now they closed my new account that has only been used to send and receive money like the app suggests. I could never order a card to use or use the direct deposit feature since creating the account most features were disabled. This is ridiculous and no wonder class lawsuits keeps happening. I take care of family members and this is preventing me from helping those who only have cash app to get access to funds for assistance. Now it seems I am completely flagged in the system for no reason. I havent broken any terms or conditions of this account. Someone needs to restore my account immediately before I am forced to seek legal counsel. So many people accounts keep getting closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PR

Complaint narrative:
On XX/XX/year> XXXX open complaint # XXXX due to the account that was open Fraudulent. The response on XX/XX/year> that complaint was follow : In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXXDELETED. 

On XX/XX/year> XXXX open complaint # XXXX, due to the account that was open Fraudulent. The response on XX/XX/year> that complaint was follow : In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigationXXXX XXXX XXXXDELETED. 
On complaint # XXXX an FTC Report was submitted. On XXXX a police report was submitted. 
On XX/XX/year> the account was reinserted on my credit report. This is causing me a lot of XXXX and financial problems when I request a credit line and it is denial. This not my fault and it is frustrating me to a point that I will. request legal counseling on this matter.

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 2025-03-27 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: NY

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 








XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-03-27 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: Southern Auto Finance Co
State: FL

Complaint narrative:
I am disputing three hard inquiries that were placed on my credit report without my authorization. 

On XX/XX/scrub> 2025, I visited a car dealership to discuss the possibility of co-signing for a vehicle. However, I never signed any documents or provided written authorization for my credit to be pulled. During the visit, I was informed that I was not eligible to co-sign because I only had a green card, which the dealership stated was not accepted as valid identification for co-signing. 

Despite this, three hard inquiries were made on my credit report from the following companies : Southern Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe these inquiries were made without my proper consent and possibly as a result of the dealership attempting to push a sale. I previously disputed them through the credit bureau ( XXXX ), but they were not removed. 

I am now requesting that these unauthorized inquiries be formally investigated and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am disputing three hard inquiries that were placed on my credit report without my authorization. 

On XX/XX/year>, I visited a car dealership to discuss the possibility of co-signing for a vehicle. However, I never signed any documents or provided written authorization for my credit to be pulled. During the visit, I was informed that I was not eligible to co-sign because I only had a green card, which the dealership stated was not accepted as valid identification for co-signing. 

Despite this, three hard inquiries were made on my credit report from the following companies : XXXX XXXX XXXX CAP ONE VIA DEALER XXXX XXXX Acceptance I believe these inquiries were made without my proper consent and possibly as a result of the dealership attempting to push a sale. I previously disputed them through the credit bureau ( XXXX ), but they were not removed. 

I am now requesting that these unauthorized inquiries be formally investigated and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-03-27 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: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: MI

Complaint narrative:
I am writing to formally lodge a complaint regarding the inclusion of inaccurate information on my credit report. This information is not only false but is also causing significant harm to my credit score and overall financial well-being.

The recent denial of credit I experiencedbased entirely on this inaccurate reportingwas both unjust and incredibly stressful. I will not tolerate having my credit unjustly impacted due to your negligence or errors made by the reporting creditor. This situation is unacceptable, and I demand that you launch an immediate investigation into these discrepancies and remove the erroneous information from my credit file without delay.

Under 15 U.S. Code 1681s2, furnishers of information are required to ensure the accuracy of the data they report to credit agencies. It is clear that they have failed in this obligation. Furthermore, the Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate and fair credit report, and your failure to provide this constitutes a violation of federal law. 

I expect this issue to be resolved promptly and without further excuses. I require confirmation in writing that the incorrect information has been fully removed from my credit profile and that my report has been corrected. If this matter is not addressed immediately, I will have no choice but to escalate my complaint to the relevant regulatory authorities, including the Consumer Financial Protection Bureau ( CFPB ), and seek legal counsel to protect my rights. 

I have attached a copy of my credit report outlining inaccurate information, along with my Driver 's License, SS Card, and proof of address. 
This situation is urgent, and I expect swift action. Do not delay in resolving this issue.

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I need your assistance in reviewing accounts from companies that have inaccurately reported late payments. After checking my credit report, I noticed certain accounts incorrectly marked as late. These accounts should not have any late payment remarks. Please remove these inaccuracies and update the accounts as positive, as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I re-financed with Capital One in XXXX of XXXX. Capital One has still not updated the lienholder information. I submitted a power of attorney per Capital One 's request in XXXX of XXXX. I was not informed they had any issue with that document until XX/XX/XXXX. Upon a second request, I submitted another power of attorney to them. They allege to have not received it. I was then asked to electronically sign a document for them to complete the lienholder update. Capital One has advised they sent the lienholder update to XXXX XXXX, XXXX  on or about XX/XX/XXXX. As of today, XX/XX/XXXX, XXXX XXXX has not received any paperwork from Capital One. 

I am attempting to sell my vehicle and this lienholder issue is causing appraisal offers to expire and me to incur daily finance charges. I can not sell the vehicle until this issue has been rectified. Due to Capital One 's ongoing failure, I am being negatively impacted, incurring additional fees and expending numerous hours on the phone with Capital One. There are phone records to provide the numerous calls and time spent attempting to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: TX

Complaint narrative:
I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : 1. Incorrect Late Payment Remarks ( FCRA Violations ) Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1666b, I am disputing inaccurate late payment remarks on the following accounts. These accounts were paid on time, and the false reporting of late payments is a violation of FCRA and TILA. I demand that these remarks be removed immediately to ensure the accuracy of my credit file. 


Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights.

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Subject : Formal Dispute Violations of FCRA & Failure to Conduct Proper Investigation To Whom It May Concern, I am formally disputing an inaccurateaccount appearing on my credit report. This account is associated with an address that has never been my residence, and has never been reported on any of my credit obligations. Furthermore, the name on the account is missing my middle name XXXX making it abundantly clear that this account does not belong to me. 

Violations of the Fair Credit Reporting Act ( FCRA ) & Failure to Investigate By continuing to report this clearly erroneous account, this credit beauru is in direct violation of : 15 U.S. Code 1681i Failure to Conduct a Reasonable Investigation : You have previously allowed this inaccurate account to remain, despite clear evidence that it does not belong to me.

15 U.S. Code 1681e ( b ) Failure to Ensure Maximum Possible Accuracy : This account has no valid connection to me, yet it remains on my file.

15 U.S. Code 1681n Willful Noncompliance with the FCRA : By failing to act despite clear discrepancies, this credit buearu is willfully violating my rights.

15 U.S. Code 1681o Negligent Noncompliance : Your failure to correct this error after previous disputes demonstrates negligence. 

Undisputed Proof of My Accurate Credit Profile Every single one of my legitimate installment and revolving accounts has always been and continues to report under my XXXX and only address for the past XXXX  years : XXXX XXXX XXXX This undisputed fact is further corroborated by the documentation attached to this letter. There is no justifiable reason for this account to remain on my file. 

Demand for Immediate Action Given the blatant violations outlined above, I am demanding that : 1.Immediately remove this fraudulent account from my credit report.

2.Provide written confirmation of the accounts deletion within 30 days.

3.Cease and desist from any further reporting of this account.

Failure to comply will result in legal action against this credit bureau for willful violations of my rights under the Fair Credit Reporting Act and any other applicable federal or state consumer protection laws.

This is your final notice to correct this issue before I escalate the matter further. 

Sincerely, 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 2025-03-27 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: NJ

Complaint narrative:
Subject : Formal Dispute Violations of FCRA & Failure to Conduct Proper Investigation To Whom It May Concern, I am formally disputing an inaccurateaccount appearing on my credit report. This account is associated with an address that has never been my residence, and has never been reported on any of my credit obligations. Furthermore, the name on the account is missing my middle name XXXX making it abundantly clear that this account does not belong to me. 

Violations of the Fair Credit Reporting Act ( FCRA ) & Failure to Investigate By continuing to report this clearly erroneous account, this credit beauru is in direct violation of : 15 U.S. Code 1681i Failure to Conduct a Reasonable Investigation : You have previously allowed this inaccurate account to remain, despite clear evidence that it does not belong to me.

15 U.S. Code 1681e ( b ) Failure to Ensure Maximum Possible Accuracy : This account has no valid connection to me, yet it remains on my file.

15 U.S. Code 1681n Willful Noncompliance with the FCRA : By failing to act despite clear discrepancies, this credit buearu is willfully violating my rights.

15 U.S. Code 1681o Negligent Noncompliance : Your failure to correct this error after previous disputes demonstrates negligence.

Undisputed Proof of My Accurate Credit Profile Every single one of my legitimate installment and revolving accounts has always been and continues to report under my XXXX and only address for the past XXXX  years : XXXX XXXX XXXX This undisputed fact is further corroborated by the documentation attached to this letter. There is no justifiable reason for this account to remain on my file. 

Demand for Immediate Action Given the blatant violations outlined above, I am demanding that : 1.Immediately remove this fraudulent account from my credit report.

2.Provide written confirmation of the accounts deletion within 30 days.

3.Cease and desist from any further reporting of this account.

Failure to comply will result in legal action against this credit bureau for willful violations of my rights under the Fair Credit Reporting Act and any other applicable federal or state consumer protection laws. 

This is your final notice to correct this issue before I escalate the matter further. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation