vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I am writing to formally dispute an erroneous entry on my credit report that was made by the XXXX without my authorization. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information reported to credit reporting agencies is accurate, complete, and verifiable. Since I did not authorize this reporting nor was I notified in accordance with the FCRA, I request that all negative items be removed from my credit report immediately. 

Please provide documentation supporting the basis for this reporting, including any consent I may have provided to allow this entry. If no such documentation exists, I request that you remove this negative information from my credit report. I would like my signature mailed to me from the exact company not a third party.

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 2025-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
As a film producer, I'm not sure where I begin to start with the issues, I've had with Chase but still been incredibly forgiving, but this was the absolute last straw that broke the camel 's back : Today, XX/XX/XXXX - my account was restricted, compromised and closed without warning and no information pertaining as to why after holding this company account active with the bank for nearly three years. If this is not negligible and legal - I am not sure what is not with an active balance on the account. In addition to this, they would not let me withdraw my funds to a different account ( a little over {$10000.00} ) and I am leaving the control Monday to the other side of the world with no funds as a result. I also had a deposit that was invoiced for and expected to be wired into this account and thankfully, I was able to form a bank account elsewhere to have it deposited it to. 

Back in XX/XX/XXXX, I was unable to finish one of my films was that Chase ate nearly $ XXXX on a transaction I did when the banker entered the wrong currency in the transaction and Chase refused to refund this. I had previously let this go until now, all considering it had interfered with my operations XXXX months ago already. 

Last but not least, going two years back to XXXX / XX/XX/XXXX - while in film production, we had distributed nearly XXXX check to working crew that was doing our film, and Chase had written to the previous owner of this account in the middle of the night to ask if these were not fraudulent. As a movie producer, I can sometimes incur XXXX transactions per day. The owner failed to respond because he was sleeping, and as a result - my entire working crew bounced their checks after we had an active balance of XXXX. This halted production, and my business partner and I ran around pulling money out of banks and ATM to pay the crew in cash nearly {$29000.00}. Several banks gave us $ XXXX a piece, we had to pull {$600.00} from individual ATMs and wire each other to do the same from a different bank and account. 

These occurrences should not happen. What if I was filming a movie in production and my account had {$500000.00} or {$2.00} XXXX today? If they closed my account without providing a reason and I was paying an actor {$1.00} XXXX, and I had to wait on a certified check for the funds on an unknown timeline, this would be a multi-million-dollar lawsuit, which I feel it already is. 

They have interfered in my business and as of today cost me at the very least the {$4000.00}, the headache, XXXX months because of the $ XXXX from being able to finish my film, and today was the final straw- where they deliberately closed my account without providing me with any kind of reason, and giving me an inability to withdraw my funds- after which I will be out of the country starting Monday for XXXX weeks. This is not OK!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: IA

Complaint narrative:
On XX/XX/year> I became aware that a US Bank checking account with $ XXXX and a US Bank savings account with XXXX were both closed that day. My debit and credit card through US Bank were also locked down. I immediately called the fraud unit and they could provide no answers except to direct me to a branch. The branch was open from XXXX XXXX XXXX today and I went in and was told they could not help as there was no manager on duty. Further calls throughout the day elicited one agent indicating I was to call the Account Closure Department and attempted to connect me. I have no idea what is going on. I have not received a call, nor email, nor notification on either the website messaging system or the app 's. My US Bank debit and credit cards were also deacrivated. I do not think this is the way things are done and I also don't think I should have to wait the entire weekend to find out what US Bank has done with my money. I assume this may have to do with some type of fraud protection effort but I do not appreciate that nobody on duty has an explanation for me. I have been effectively frozen out of my own finances. Any assistance is appreciated.

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 2025-03-16 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:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account with XXXX  XXXX XXXX opened on XX/XX/XXXX, a credit card account with XXXX XXXX  XXXX XXXX XX/XX/XXXX, an auto loan with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, an installment loan with XXXX  XXXX XXXX XXXX XX/XX/XXXX, a collection account with Credit Collection XXXX XXXX XXXX XX/XX/XXXX, a collection account with Credit Collection XXXX XXXX XXXX XX/XX/XXXX, and a collection account with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

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 2025-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CCS Financial Services, Inc.
State: KY

Complaint narrative:
I am submitting a complaint due to the existence of a derogatory rating on my credit report that is hindering me from renting or buying a home. During a financial hardship because of COVID I fell behind on payments but after recovery, I was able to pay off the full balance. However, the remarks still remains on my credit under collections and the credit collection agency is refusing to remove the derogatory information even though the payment was submitted in full. Please remove. It is unethical and unnecessary to continue to punish when the full debt has been satisfied. I have requested a deletion and removal without success several times. 
- Credit collection services - XX/XX/year> - XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$2200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$820.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$450.00} XX/XX/XXXX XXXX XXXX XXXX {$450.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$390.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$14000.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$2200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$820.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$450.00} XX/XX/XXXX XXXX XXXX XXXX {$450.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$390.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$14000.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : EQUIFAX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRAs permissible purposes requirements. 
I respectfully request that the CFPB conduct a thorough investigation into these unauthorized inquiries and ensure their prompt removal if no verifiable authorization documentation exists. I appreciate that my prior complaint with the FTC be considered, as I have not received an adequate response that fulfills my rights under the FCRA. Should this matter remain unresolved, I reserve the right to take additional legal action. 
Thank you for confirming receipt of this complaint and for providing a written response on the progress of the investigation within a reasonable timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I recently received a copy of my Experian credit report, and I noticed some late payments posted on my credit report : I HAVE NEVER BEEN LATE ON THIS ACCOUNT. XXXX, XXXX, XX/XX/year>. I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b. Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681, Failure to respond satisfactorly with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud.

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 2025-03-16 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: OH

Complaint narrative:
Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Tranunion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunions inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

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 2025-03-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
This debt is over XXXX years old and was paid when switched to a new company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-03-16 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: LA

Complaint narrative:
These late payment entries are factually incorrect, unverifiable, and causing undue harm to my financial reputation. I am not requesting the deletion of these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: LA

Complaint narrative:
These late payment entries are factually incorrect, unverifiable, and causing undue harm to my financial reputation. I am not requesting the deletion of these accounts 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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The following was submitted to Equifax via the incorrectly closed XXXX  case XXXXXXXX XXXX XXXX XXXX did not review nor address this complaint at all, including saying nothing about the poor service of your team, which is fully reflective in how Equifax has mishandled concerns - I was very clear that I've already contacted the bank. Please leave a complaint for this agent as we all spend a lot of time trying to get these complaints resolved, and we're already raising to the highest levels at Equifax. Concerns should at least be read and understood : " I have called Equifax multiple times, waiting on hold each time for over XXXX min, only to be hung up by the first rep and the second rep pretending she can not hear me. I absolutely should not be filing this complaint. Your recording says our call is " very important '' but that's clearly not the case. 

I had XXXX submit a tradeline reinsertion request for a card ending in XXXX on XX/XX/XXXX that should be reflected on my Equifax credit report by now. I am an authorized user on this card and XXXX have disputed it in the past. XXXX has said that it looks like the account is suppressed, which XXXX be why this account is not being reinserted. Can I please get further information as to why this reinsertion has not gone through and what further information is needed? XXXX has said they have done everything they can, and I have obviously done everything I can. They do not have a case number or submission ID for the tradeline reinsertion request on XX/XX/XXXX. 

Lastly, the same above goes for XXXX XXXX, where I am an authorized user. The bank submitted a tradeline reinsertion request and Equifax has seemingly suppressed this as it has not been fixed. This needs to be corrected. ''

Company response to consumer: Closed with explanation