vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/ 2025, I went online and filled out an application for a loan with XXXX XXXX, thinking that it was XXXX XXXX since it has the same emblem. While going thru the process of loan application and credit verification, my wife noticed our checking account had received four checks being deposited by mobile app with my name on the back of the checks, but in print, which my wife knew that was not my signature. We also received two reversals from XXXX XXXX and two reversals from XXXX. The four checks are fake, the companies where the checks come from are legit, but the checks were made up. My wife spoke to one of the companies and explained our situation, they told her that their checking account had also been hacked.

My wife called our bank and explained the situation ; she was told that we had to go by the next morning and get a new account, which we did. A few days later after new account had been opened, I received a letter stating that my account had been closed. When my wife went to the bank in person to speak to a representative, she was told our bank account was closed, but they wouldn't tell her why. We went to XXXX XXXX  to open a new checking account, deposited {$500.00} dollars and came a few days later to withdraw funds because we still didn't have new debit cards. Needless to know our new account was closed due to the same issue we had at Chase Bank. However, the manager there did tell us the reason why the checking account was closed. He told us our names were on the fraud list and we were considered fraudsters.

My wife continued calling our bank where the hacking and fraud was committed to let them know we were getting other charges. One fraud department rep was very rude to her and told her to stop calling the fraud department. My wife stated to him that her husband was getting text and emails, asking if I did certain transactions ; He told her to let me know not to respond to the texts or emails because they were just " XXXX  ''. 
My wife currently has XXXX XXXX XXXXXXXX. All these issues with the hacking & speaking with the rude bank reps has been causing lots of XXXX, physical, and emotional XXXX  on both of us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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 did not authorize or open this account. I believe thia account is the result of Identity theft from the XXXX  breach.

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 2025-07-30 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: PA

Complaint narrative:
To resolve this dispute fairly and in compliance with the law, I am requesting that Equifax : Immediately reinvestigate the late payment entries associated with the following accounts : XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX Obtain documentation from each creditor showing proof that I was properly notified before the late payments were reported. This includes dated billing statements, mailed or emailed reminders, or any other verified communication. 

Delete all late payments permanently if the creditors can not provide proper documentation proving timely notification was sent prior to reporting. 

Correct the XXXX entry, which I believe is also a billing error under 15 USC 1666B. This account was paid on time, and reporting it otherwise constitutes a direct violation. 

Provide me with written confirmation of all deletions or corrections, along with a free updated copy of my credit report within 15 business days.

If this matter is not resolved, I will proceed with additional actions including formal complaints to the FTC, the Attorney General, and consider legal claims under FCRA 616, which allows for damages and legal fees. 

This is a reasonable request for compliance with the Fair Credit Reporting Act and the Truth in Lending Act. I simply expect my credit file to be accurate and verifiable, as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

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 am looking for appropriate redress for these violations. In my account, I had XXXX  fraudulent transactions of {$75.00} each and did not get my stolen funds back, which is a violation of the acts listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kinum, Inc., Indianapolis, IN Branch
State: NV

Complaint narrative:
I am writing in response to your attempt to collect a debt. I do not acknowledge ownership of this debt and request validation of the debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Under the FDCPA, I am requesting the following : 1. The amount of the alleged debt.

2. The name of the original creditor.

3. Proof that you are legally authorized to collect this debt.

4. A copy of the original contract or agreement bearing my signature.

5. A complete payment history and breakdown of any interest, fees, or other charges.

Until you provide this information, you must cease all collection efforts, including reporting this debt to credit bureaus. If you have already reported it, you must notify them that the debt is being disputed. 
Please note that under the FDCPA, any attempt to collect on a debt without proper validation is a violation of federal law. 
This letter is not a refusal to pay, but a request for validation. Upon receipt of the required documentation, I will determine my position on this matter. 
I expect a response within 30 days, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX DOB XXXX XXXX / XXXX XXXX / XXXX XXXX XXXX XXXX Credit Report Inaccuracy Dispute To : dispute department Date : XX/XX/XXXX Dear Dispute Department, I reviewed my credit report on XXXX XXXX, XXXX, ( Subject : Urgent Request for Removal of Fraudulent Accounts Within 7 Days To Whom It May Concern, I am writing to urgently dispute fraudulent accounts that have been wrongfully reported on my XXXX credit file. These accounts were opened without my knowledge or authorization and are the result of identity theft. The following accounts are fraudulent and must be removed from my credit report immediately : ACCOUNT NAME XXXX XXXX XXXX XXXX OPEN DATE XX/XX/XXXX ACCOUNT NAME XXXX XXXX XXXX OPEN DATE XX/XX/XXXX ACCOUNT NAME XXXX XXXX XXXX OPEN DATE XX/XX/XXXX ACCOUNT NAME XXXX XXXX OPEN DATE XX/XX/XXXX ACCOUNT NAME XXXX XXXX XXXX OPEN DATE XX/XX/XXXX ACCOUNT NAME XXXX XXXX XXXX OPEN DATE XX/XX/XXXX ACCOUNT NAME XXXX XXXX OPEN DATE XX/XX/XXXX ACCOUNT NAME XXXX XXXXXXXX OPEN DATE XX/XX/XXXX ACCOUNT NAME XXXX XXXX OPEN DATE XX/XX/XXXX I am formally requesting that these accounts be removed from my report within 7 days of receipt of this letter, due to the serious and damaging impact they are having on my credit standing and personal security. I have enclosed copies of the following documents to support my claim : A copy of my government-issued identification Proof of my current address A copy of the police report and/or identity theft affidavit Any relevant documentation proving the accounts are fraudulent Please confirm in writing that these accounts have been deleted from my file. If I do not receive a response within 7 days, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. Thank you for your prompt attention to this urgent matter. ) Thank you. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX DOB XXXX XXXX / XXXX XXXX / XXXX XXXX XXXX XXXX Credit Report Inaccuracy Dispute To : dispute department Date : XX/XX/XXXX Dear Dispute Department, I reviewed my credit report on XXXX XXXX, XXXX, ( Subject : Urgent Request for Removal of Fraudulent Accounts Within 7 Days To Whom It May Concern, I am writing to urgently dispute fraudulent accounts that have been wrongfully reported on my XXXX credit file. These accounts were opened without my knowledge or authorization and are the result of identity theft. The following accounts are fraudulent and must be removed from my credit report immediately : ACCOUNT NAME XXXX XXXX XXXX XXXX OPEN DATE XX/XX/XXXX ACCOUNT NAME XXXX XXXX XXXX OPEN DATE XX/XX/XXXX ACCOUNT NAME XXXX XXXX XXXX OPEN DATE XX/XX/XXXX ACCOUNT NAME XXXX XXXX OPEN DATE XX/XX/XXXX ACCOUNT NAME XXXX XXXX XXXX OPEN DATE XX/XX/XXXX ACCOUNT NAME XXXX XXXX XXXX OPEN DATE XX/XX/XXXX ACCOUNT NAME XXXX XXXX OPEN DATE XX/XX/XXXX ACCOUNT NAME XXXX XXXXXXXX OPEN DATE XX/XX/XXXX ACCOUNT NAME XXXX XXXX OPEN DATE XX/XX/XXXX I am formally requesting that these accounts be removed from my report within 7 days of receipt of this letter, due to the serious and damaging impact they are having on my credit standing and personal security. I have enclosed copies of the following documents to support my claim : A copy of my government-issued identification Proof of my current address A copy of the police report and/or identity theft affidavit Any relevant documentation proving the accounts are fraudulent Please confirm in writing that these accounts have been deleted from my file. If I do not receive a response within 7 days, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. Thank you for your prompt attention to this urgent matter. ) Thank you. 
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 2025-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year> while using the app " Cashapp '' I had XXXX $ in my virtual wallet locked so I could no longer access it in any form without having any functional way to withdrawl. XXXX XX/XX/year> an amount of money equaling XXXX $ was then added to this account mistakenly by a friend that was unable to be refunded or withdrawled that was also inaccessable to make a total of XXXX $ unable to be accessed. It is currently XX/XX/year> and after many attempts using the service 's support chat, email system, and phone support there has been a constant attempt to dodge any sort of actual support and I have not received any emails after being notified multiple times throughout the month of XXXX that I would be sent an email within XXXX days of the multiple times I requested support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
To Whom It XXXX Concern, I am writing to formally dispute the accuracy of a GM Financial account that appears on my credit report. The account in question is reported as having been opened on XX/XX/year>. 

I believe this account is inaccurate and XXXX contain incorrect or unverifiable information. I am requesting that you conduct a thorough investigation in accordance with the Fair Credit Reporting Act ( FCRA ). If the account can not be verified with complete accuracy, I respectfully request that it be removed from my credit report. 

Please provide written confirmation of the results of your investigation, including any documentation used to verify the account 's accuracy. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy of a Portfolio Recovery Associates account that appears on my credit report. The account in question is reported as having been opened on XX/XX/year>. 

I believe this account is inaccurate and possibly unverifiable, and I am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ). If the account can not be verified with complete accuracy and proper documentation, I respectfully request that it be deleted from my credit report immediately. 

Please provide written confirmation of the results of your investigation, and any supporting documentation used to verify the accuracy of the account. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: IL

Complaint narrative:
This is a request for validation made pursuant to the Fair Debt Collection Practices Act. 
I'm just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty frustrating to be honest, but I know that mistakes happen. I trust you'll fix the situation. Here 's the wrong info : You should also be aware that sending unsubstantiated demands for payment through the United States mail system might constitute mail fraud under Federal and State law.

You may wish to consult with a competent legal advisor before your next communication with me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is also completely inaccurate. - This account is reporting incorrectly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-30 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: MS

Complaint narrative:
I am a victim of Data Breach. Please, block and delete the account within 4 business days pursuant to FCRA 605B15 U.S.C. 1681c2. 15 USC 1681b, I request this account be removed. Please see ftc supporting attached documents. Please remove the following fraudulent accounts due to Equifax data breach identity theft. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX { Last XXXX XXXX * * * _ * * XXXX } Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Urgent Dispute of Fraudulent Accounts Due to Data Breach Identity Theft Report # XXXX Dear Equifax Dispute Resolution Team, I am writing to urgently dispute multiple fraudulent accounts that have been opened in my name and linked to my Social Security number as a result of the Equifax data breach. I have included a copy of my Identity Theft Report # XXXX ) for your reference. As a victim of this breach, I have identified unauthorized accounts that I did not open or authorize. 
The details of the fraudulent account are as follows : ACCOUNT. OPEN DATE XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX.. XX/XX/XXXX In accordance with 15 USC 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of your receipt of this letter. Should you fail to respond adequately, I may pursue a small claims action against your agency, seeking damages of {$1000.00} per violation under 15 U.S.C. 1692k for the following reasons : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation of 15 U.S. Code 1681o Violation of 15 U.S. Code 1681n ( b ) ( Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681b ) Violations under 15 U.S. Code 1681c Violation of 15 U.S. Code 1681a ( 4 ) ( Right to privacy ) Under 15 U.S.C. 1681 ii ( 7 ) ( Method of verification ) Thank you for your urgent attention to this critical matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation