vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 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: MS

Complaint narrative:
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 LIST OF ACCOUNTS & ACCOUNT NUMBERS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX looked at my credit report in XX/XX/year> and noticed that some of the information listed was incomplete and inaccurate. 

According to the Fair Credit Reporting Act ( FCRA ), under XXXX5 USC 1681e ( b ), a consumer reporting agency must follow reasonable procedures to assure maximum possible accuracy of the information it reports about a consumer.

Additionally, under 15 USC 1681i ( a ) ( 5 ), if an item of information is disputed and, after reinvestigation, is found to be inaccurate, incomplete, or unverifiable, the credit bureau is required to : ( i ) promptly delete or modify that item as appropriate, and ( ii ) promptly notify the furnisher of the change. 
Furthermore, under 15 USC 1681s-2 ( a ) ( 1 ) ( A ), a data furnisher must not provide any information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. 

PLEASE CORRECT MY REPORT BY DELETING ALL UNAUTHORIZED FRAUDULENT ACCOUNTS.

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 2025-06-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
Account CHARTER COMMUNICATIONS # XXXX I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide certified mail with receipt displaying my signature. If not, Please, delete account XXXX as soon as possible from my report or I will have to take legal action!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I am writing to bring to your attention a discrepancy I have noticed with transactions on my PNC Bank account. On Monday, XX/XX/XXXX, I initiated a transfer of {$2000.00} USD from XXXX to my PNC Bank account. However, only {$1900.00} USD was credited, and an additional {$15.00} USD was deducted as a bank charge. This has occurred on multiple occasions. 

Furthermore, I have noticed consistent unexplained charges when using my PNC debit card internationally. Each time I use my debit card for everyday transactionssuch as at grocery stores, cafes in XXXX, and even for online payments in CanadaPNC deducts extra fees from my account. These fees are often not clearly explained. I feel that these unexplained fees and the lack of proper communication from PNC Bank about them constitute a deceptive and unfair banking practice. I am requesting that the CFPB investigate these charges and ensure that PNC Bank provides clear and transparent communication regarding international fees and charges to its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am a victim of identity theft. An unauthorized American Express account was fraudulently opened in my name and continues to be reported to the credit bureaus. I have submitted a 605B Block request, FTC Identity Theft Report, and supporting ID/address documentation to Amex through my initial CFPB complaint XXXX XXXXXXXX and by phone. 

Amex has failed to provide any proof of verification or method of investigation and continues to furnish inaccurate data. I now formally request, under FCRA 611 ( a ) ( 7 ) and 623 ( a ) ( 8 ), the method of verification used to " verify '' the disputed account, including : The name and contact details of the verifying party The documents reviewed A copy of the original signed contract ( wet ink ) No such documentation has been provided, nor has Amex complied with their duties under FCRA 605B to block fraudulent accounts once proper documentation is received. I am requesting regulatory enforcement and d
eletion of the disputed account if Amex can not substantiate its reporting with proper verification. This is damaging my credit and financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: PR

Complaint narrative:
TRANSUNION FILE REPORT # XXXX AND EXPERIAN FILE # XXXX These Agencies arenot complying under Federal Laws Under Federal Law 15 U.S. Code 1681i : e ( b ) 15 U.S. Code 1681 ( a ) ( 2 ) Delete Charge-Off Under Federal Law on my credit report which is Inaccurate Under the Fair Credit Reporting Act ( FCRA ) especially 15 U.S. Code 1681i : My right to dispute any inaccurate, incomplete, or unverifiable information.

The credit bureau was given to investigate within 30 days i sent then certified letter Im attaching on this complaint for both agencies Since XXXX still no response. 

If the furnisher of the information ( the creditor ) cant verify it, they must delete it. 

TRANSUNION HAVE FEW NAMES UNDER MY ACCOUNT NAME USING ANOTHER PERSONS NAMES ON MY ACCOUNT AS XXXX, XXXX NOT ME. 

I TRUST YOU UNDERSTAND THE SERIOUSNESS OF THIS MATTER, AS IT IS DIRECTLY IMPACTING MY ABILITY TO QUALIFY FOR CREDIT, WHICH IS CAUSING FURTHER DAMAGE TO MY FINANCIAL WELL BEING. THANK YOU FOR YOUR IMMEDIATE ATTENTION.

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 2025-06-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc
State: TN

Complaint narrative:
XX/XX/XXXX I went to a store and their card machine was not working. I was told several times that my transaction DID NOT GO THROUGH, but in fact it did. 

Chime keeps denying the claim after the store owner said it was ok to dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: MD

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 2025-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
I am writing to formally dispute the validity of an account that has been reported under my name. I have discovered an account reported by [ SPRING OAKS CAPITAL LLC ], which I did not authorize, open, or consent to in any way.

I did not open or authorize this account.

I have never signed any application or agreement related to this account.

The reporting entity has failed to provide proof of a signed contract or any valid authorization linking this account to me.

I am requesting the immediate removal of this account from all credit records and an investigation into how it was opened without my consent.

Remove this from my credit profile immediately I am formally requesting that you cease and desist all communication with me concerning the account referenced above.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I have the right to request that a debt collector stop contacting me. This letter is to inform you that I wish for you to stop all forms of communication, including phone calls, letters, emails, or any other method of contact regarding this matter.

Please be advised : If you continue to contact me after receiving this notice, you will be in violation of federal law, and I will report your actions to the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney Generals office.

If you believe I owe this debt and intend to take legal action, you are permitted to notify me once of that intent as per the FDCPA.

This letter is not an acknowledgment or validation of any debt, and I reserve all rights under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Mortgage on the property located at XXXX XXXX XXXX XXXX, XXXX, was taken out without my approval, consent or signature. XXXX XXXX, managing company, submitted fraudulent documents altering ownership of the property. Additionally, it provided false P & L and Income statements to get higher mortgage amount. I am an owner of XXXX XXXX XXXXXXXX XXXX which owns XXXX XXXX XXXX XXXXXXXX XXXX. The XXXX XXXX XXXXXXXX is owned by XXXX XXXX Trust where I am a Trustee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am disputing inaccuracies on my credit report related to two accounts : the XXXX XXXX credit card and the XXXX account reported by Midland Credit Management. For the XXXX XXXX account ( opened XX/XX/XXXX ), I made no payments on the credit card after XX/XX/XXXX, despite bank account activity in XXXX for other transactions before it closed due to non-payment. The Date of First Delinquency ( DoFD ) is XX/XX/XXXX, so the XXXX reporting period ended in XX/XX/XXXX, yet it remains on my report with an On Record Until date of XX/XX/XXXX, a Never late status, and incorrect XXXX current payment history. For the XXXX account ( opened XX/XX/XXXX for a XXXX XXXX XXXX loan ), I have documentation confirming the open date, but Midland reports it as XX/XX/XXXX with a false last payment on XXXXimpossible as my only bank account was closed by XXXX, and I stopped paying in XXXX. The XXXX is XX/XX/XXXX, so it should have been removed by XX/XX/XXXX, but its reported until XX/XX/XXXX, suggesting re-aging. My report shows no activity from XXXX to XXXX, resuming in XXXX due to this false payment, and I encountered an error accessing my XXXX report. These errors violate the Fair Credit Reporting Act ( FCRA ) Sections 605 ( a ) ( 4 ), 611, 609 ( a ), and 623 ( a ) ( 1 ), and potentially FDCPA Section 807 ( 2 ) for time-barred debt collection. I request immediate removal of both accounts, correction of inaccuracies, access to my full credit file including the XXXX report, and redress in the form of up to {$10000.00} compensation for financial harm ( e.g., denied credit ) and emotional distress caused by these violations. I have filed CFPB complaints on XX/XX/XXXX, which remain open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am disputing inaccuracies on my credit report related to two accounts : the Wells Fargo credit card and the XXXX account reported by XXXX XXXX XXXX. For the Wells Fargo account ( opened XX/XX/XXXX ), I made no payments on the credit card after XX/XX/XXXX, despite bank account activity in XXXX for other transactions before it closed due to non-payment. The Date of First Delinquency ( DoFD ) is XX/XX/XXXX, so the XXXX reporting period ended in XX/XX/XXXX, yet it remains on my report with an On Record Until date of XX/XX/XXXX, a Never late status, and incorrect XXXX current payment history. For the XXXX account ( opened XX/XX/XXXX for a XXXX XXXX XXXX XXXXoan ), I have documentation confirming the open date, but XXXX reports it as XX/XX/XXXX with a false last payment on XXXXmpossible as my only bank account was closed by XXXX, and I stopped paying in XXXX. The XXXX is XX/XX/XXXX, so it should have been removed by XX/XX/XXXX, but its reported until XX/XX/XXXX, suggesting re-aging. My report shows no activity from XXXX to XXXX, resuming in XXXX due to this false payment, and I encountered an error accessing my XXXX report. These errors violate the Fair Credit Reporting Act ( FCRA ) Sections 605 ( a ) ( 4 ), 611, 609 ( a ), and 623 ( a ) ( 1 ), and potentially FDCPA Section 807 ( 2 ) for time-barred debt collection. I request immediate removal of both accounts, correction of inaccuracies, access to my full credit file including the XXXX report, and redress in the form of up to {$10000.00} compensation for financial harm ( e.g., denied credit ) and emotional distress caused by these violations. I have filed CFPB complaints on XX/XX/XXXX, which remain open.

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 2025-06-08 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: MN

Complaint narrative:
I am submitting this statement to formally report that I have been a victim of identity theft. As a result, there are fraudulent accounts and/or inquiries on my credit report that I did not authorize or open. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and requesting that these items be investigated, verified, and removed immediately. 

Details of the Dispute : I am disputing the following information that appears on my credit report, which I believe to be the result of identity theft : XXXX XXXX XXXX Account Number : XXXX Amount : {$100.00} XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$370.00} XXXX XXXX XXXX Account XXXX : XXXX Amount : {$2100.00} XXXX XXXX XXXX Account Number : XXXX Amount : {$660.00} XXXX XXXX. 
Account Number : XXXX Amount : {$5000.00} These accounts and inquiries are not mine, and I have not given anyone permission to open or use these accounts on my behalf. 

Formal Request for Investigation and Debt Verification : Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting that the credit reporting agencies immediately block and delete these fraudulent items from my report.

In addition, under FCRA 611 ( 15 U.S.C. 1681i ), I am formally requesting debt verification for all disputed accounts. This means I expect the credit bureaus and furnishers to provide documented proof that I authorized these accounts. If they can not verify the debts with valid evidence such as a signed contract or agreement the accounts must be permanently removed from my credit file.

Compensation for False Verification : As stated in FCRA 616 ( 15 U.S.C. 1681n ), if any account is falsely verified as valid despite my identity theft claim, I am entitled to statutory damages of {$1000.00} per violation.

Supporting Documentation : I have included the following documents to support my claim : A copy of my FTC Identity Theft Report ( FTC Report # XXXX ) A copy of the XXXX Police Department report ( Tracking # XXXX ) A copy of my government-issued ID Proof of my current address Requested Actions : I am requesting the following : Immediate blocking and removal of all fraudulent accounts and inquiries. 

Debt verification for all disputed accounts. 

Written confirmation that the fraudulent items have been deleted from my report. 

Proof that the furnishers of these accounts have been notified and instructed to cease reporting any unverifiable information. 

An updated copy of my credit report reflecting these corrections. 

I expect confirmation in writing that my request has been processed in accordance with the FCRA. Please be advised that failure to comply may result in further legal action.

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 2025-06-08 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: MN

Complaint narrative:
I am submitting this statement to formally report that I have been a victim of identity theft. As a result, there are fraudulent accounts and/or inquiries on my credit report that I did not authorize or open. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and requesting that these items be investigated, verified, and removed immediately. 

Details of the Dispute : I am disputing the following information that appears on my credit report, which I believe to be the result of identity theft : XXXX XXXX XXXX Account Number : XXXX Amount : {$100.00} XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$370.00} XXXX XXXX XXXX Account XXXX : XXXX Amount : {$2100.00} XXXX XXXX XXXX Account Number : XXXX Amount : {$660.00} XXXX XXXX. 
Account Number : XXXX Amount : {$5000.00} These accounts and inquiries are not mine, and I have not given anyone permission to open or use these accounts on my behalf. 

Formal Request for Investigation and Debt Verification : Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting that the credit reporting agencies immediately block and delete these fraudulent items from my report.

In addition, under FCRA 611 ( 15 U.S.C. 1681i ), I am formally requesting debt verification for all disputed accounts. This means I expect the credit bureaus and furnishers to provide documented proof that I authorized these accounts. If they can not verify the debts with valid evidence such as a signed contract or agreement the accounts must be permanently removed from my credit file.

Compensation for False Verification : As stated in FCRA 616 ( 15 U.S.C. 1681n ), if any account is falsely verified as valid despite my identity theft claim, I am entitled to statutory damages of {$1000.00} per violation.

Supporting Documentation : I have included the following documents to support my claim : A copy of my FTC Identity Theft Report ( FTC Report # XXXX ) A copy of the XXXX Police Department report ( Tracking # XXXX ) A copy of my government-issued ID Proof of my current address Requested Actions : I am requesting the following : Immediate blocking and removal of all fraudulent accounts and inquiries. 

Debt verification for all disputed accounts. 

Written confirmation that the fraudulent items have been deleted from my report. 

Proof that the furnishers of these accounts have been notified and instructed to cease reporting any unverifiable information. 

An updated copy of my credit report reflecting these corrections. 

I expect confirmation in writing that my request has been processed in accordance with the FCRA. Please be advised that failure to comply may result in further legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: NV

Complaint narrative:
I am a victim of identity theft, and I am requesting that all fraudulent accounts and inquiries that were falsely reported under my name be removed from my credit report. These accounts were not opened or authorized by me and are the result of criminal activity. My local police department advised me to complete an XXXX report through the Federal Trade Commission, which I have already done. I am taking all the necessary steps to protect my identity and restore my credit, and I am asking for your assistance in removing these inaccurate entries from my report as part of that process. Thank you for your attention to 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 explanation
Consumer complaint received 2025-06-08 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: MD

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 2025-06-08 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: NJ

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

Company response to consumer: Closed with explanation