vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was scammed, and was asked to put a check deposit of {$7400.00}, sent through email. 

I did not know that it was fake, so I made online deposit. It showed up as available balance at the time, so I didn't realize it was fake, and wired money of the exact same balance ( +wire transfer fee applied ) of {$7200.00} to : XXXX XXXX Account Number : XXXX Routing Number : XXXX XXXX XXXX XXXX Account Type : Checking Bank Name : JPMorgan Chase Bank Bank Address : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Wire was completely processed through as of XX/XX/XXXX Monday. 

That wasn't the full amount they requested, so they gave me another check. This time it was beyond my check deposit limit, and I made a call to Chase and was told to visit nearest branch, and I did so making it to nearest Chase branch at XXXX XXXX XXXX XXXX. 
They couldn't take the printed check, because the pdf format they've sent me wasn't even in size so it wasn't printing out as it should. By that time I didn't even know if that was a scam or not. 

So I proceeded deposit with XXXX. XXXX was taking longer time to process check deposit, so I did not make another wire transaction this time. 
The opposing scammer asked if I can pay out of my pocket, continuously rushing me to sending money. 

Then it was the next day, that I've checked my Chase checking account and my balance was overdraft, due to the check refund because it was fake after I just made wire transfer. 
I called Chase, and they notified me that the bank that the check was issued had a fraudulent activity, so it was refunded. However it was showing up as available balance that time, so I used it not knowingly. 

I found that out and contacted the scammer ( who was impersonating XXXX XXXX CEO, as HR manager in charge of me ), then they blocked me after my questionnaire.

Then I came home and realized I was scammed, and called Chase to make a fraud report. So they've opened a case claim on the wire transfer. However, when I was supposed to be awaiting for the updates on transfer, I was notified from Chase through text in XX/XX/XXXX Thursday XXXX, that my bank froze my account. I called Chase, they told me they're closing my account, even before the case investigation wasn't through, and I was the victim, and I've been using Chase for my every deposit and every income for 10 years, just over one night, overdraft due to a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: TX

Complaint narrative:
The inaccurate accounts are still showing up on my credit file, and no corrections have been made yet. I request that the attached documents be thoroughly checked to ensure this issue is finally resolved so I wont have to stress about it anymore.

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 2025-08-22 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: TX

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

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 2025-08-21 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 want to emphasize that this complaint is not a mistake. My credit report contains inaccuracies that compromise its accuracy and integrity. These errors are placing a significant burden on me and continue to cause ongoing negative effects.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: TX

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored, as the inquiries still remain. This failure to act is unacceptable.

The continued presence of these unauthorized and potentially fraudulent entries is highly alarming and raises serious concerns of possible identity theft. This unresolved issue is causing ongoing financial and emotional harm.

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX I had an loan for a XXXX XXXX XXXX the first 6 numbers of the account is XXXX my name is XXXX XXXX XXXX I have had several loans with this company and have paid as as agreed all loans but was late on few payments, my credit reflects as being seriously delinquent and is affecting me on future relationships with other financial institution.

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 2025-08-22 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: MS

Complaint narrative:
Equifax is reporting multiple inaccurate, unverifiable, and duplicative accounts on my credit file. These errors violate the Fair Credit Reporting Act ( FCRA ) and are causing financial harm, including denials of credit, higher interest rates, and damage to my reputation. 

Details of Inaccuracies : Addresses Reported Incorrectly XXXX XXXX XXXX XXXX XXXX XXXX  Not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX Not mine. 

Reporting addresses not connected to me violates FCRA 1681e ( b ). 

XXXX XXXX Account XXXX High Balance : {$2800.00} Date Opened : XX/XX/XXXX I never authorized or opened this account. Reporting an unverifiable account violates FCRA 1681i.

Dept. of Education/XXXX Accounts XXXX Account XXXX ) Multiple listings with conflicting balances and dates ( examples : {$4500.00} opened XX/XX/XXXX ; {$1400.00} opened XX/XX/XXXX ; {$7000.00} opened XX/XX/XXXX ; {$6000.00} opened XX/XX/XXXX ; {$4500.00} opened XX/XX/XXXX ; etc. ). 

Duplicates and contradictory information violate FCRA 1681e ( b ).

Failure to remove unverifiable duplicates violates FCRA 1681i. 

XXXX ( XX/XX/XXXX ) This account is not mine and can not be verified. Reporting it violates FCRA 1681i.

Harm Caused : Damage to my creditworthiness and reputation.

Denials of credit and higher borrowing costs.

Emotional and financial stress due to misreporting. 

Relief Requested : Immediate deletion of inaccurate addresses. 

Removal of XXXX XXXX XXXX and XXXX accounts. 

Deletion of duplicate and inconsistent XXXX entries. 

Compliance with FCRA 1681e ( b ) and 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: PA

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Disputed Account Information Account Name : XXXX XXXX Account Number : XXXX Account Balance : {$2300.00} Open Date : XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance : {$260.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Original Balance {$600.00} XXXX late payment 30 day XXXX XXXX XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX Original Balance {$6700.00} XXXX 30 day late payment

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 2025-08-22 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: PA

Complaint narrative:
I am writing to formally dispute certain address information that appears on my credit report. The following addresses listed are inaccurate and do not belong to me : XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX XXXX XXXX PA, 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 non-monetary relief
Consumer complaint received 2025-08-22 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: PA

Complaint narrative:
I am writing to formally dispute certain address information that appears on my credit report. The following addresses listed are inaccurate and do not belong to me : XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX XXXX XXXX (

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: NJ

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-08-21 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: NJ

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-21 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: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
Between XX/XX/year>, and XX/XX/year>, my XXXX grandson, who uses one of the devices on my Apple Family Sharing account, was able to make multiple in-app purchases totaling {$470.00} on my Apple Card.

These charges occurred even though parental controls had previously been enabled to prevent unauthorized purchases. At some point, the parental controls were disabled without my knowledge or consent, which allowed the purchases. 

I filed a dispute with Apple/Apple Card, but the charges were denied. Apple later suggested that a device change of the family organizer might have caused parental controls to be removed. However, there are two organizers on the account, and over the years we have changed devices multiple times without ever needing to reset parental controls. Apple has not been able to provide a clear explanation for why or how the parental controls were removed. 

Additionally, after Apple emailed me confirmations that my dispute was denied, I was able to click a link to view the resolution and see the list of disputed transactions. Within less than an hour after informing Apple that I would escalate my complaint to regulatory agencies, the same link stopped showing any transaction details. When I contacted Apple again, they stated that there was nothing they could do to assist me in retrieving the records. This raises serious concerns about Apples transparency in handling disputes. 

I was able to locate the Case ID associated with my dispute : XXXX. 

I dispute these charges as unauthorized transactions under the Fair Credit Billing Act. Apple advertises its parental controls as a safeguard against unauthorized purchases, but they failed to function properly, directly resulting in these charges.arges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Follow-Up Request to Block and Delete Fraudulent Accounts Identity Theft Victim Dear Transunion Consumer Services, I am writing to follow up on my previous request regarding the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 U.S.C. 1681c-2 ( a ). I am a victim of identity theft because of the TransUnion data breach, and unauthorized accounts have been fraudulently opened in my name.

The fraudulent accounts that I have identified on my credit report are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681c-2 ( a ), I request that Transunion promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile. 

Furthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes. 

If you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity. 

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 2025-08-21 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-22 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:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: WA

Complaint narrative:
I sent the money to my friend ( 08/02 ), which I received an email saying that the money has been deposited in their account. But my friend checked their account and never received the fund. I asked US BANK to file a dispute, but they declined the dispute. Claiming that the money is out of their bank and its not their responsibility anymore. 

Evidence : letter from US BANK and the recipients bank attached

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 2025-08-21 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: FL

Complaint narrative:
I discovered an unauthorized and inaccurate collection account on my credit report from Experian Information Solutions Inc. associated with XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ). 
Despite my formal dispute and request for a thorough investigation, Experian Information Solutions Inc. has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.

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 2025-08-22 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: FL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-08-22 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: FL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation