vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 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: GA

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

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 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/year> I deposit a check in my checking account for a third party which the check was sign over to me. I read the terms of the bank guidelines of third-party check deposit i was allowed to deposit the check we deposit the check signed the check the way it was explained the way I should signed it before I deposit. We deposit the check the system remove the 7 day hold so the next business day came the hold was placed again I called and asked why was the place again at first they said they didn't believe the funds would be paid by the bank the cashiers check came from .I advise them about the number that was on the check that they can call and verify the check at this point I'm speaking to a supervisor she told me she wasn't going to call because it didn't matter the funds could still be returned since she refused to call i asked to speak with someone higher than her she refused again I told since she had refused me of service two I would report her soon as I disconnected the phone I had received a email saying they had blocked my account again for the fourth time I called and asked the reason why than they said because I deposit a third party check i read the terms 10 times to make sure I was allowed to deposit the check i know I am allowed to do it okay they asked me questions about the payee over the check I answered them they still refused to listen they asked me to step in a branch with the payee we went the branch manager refused to service us because they said I was allowed to do so and I need to deal with who blocked my account so I call to inform them of what I was told they still refused to look for other options I feel as if the back office is picking with me Chase Bank not doing anything they committed to to help Me I need help EVERYTIME I TRY TO DO SOMETHING THEY blocking my account giving me problems with this complaint I am attaching documents to verify the payee identity they blocked me from uploading documents to my online banking which is weird something has to be done im about to sue for harassment pain and stuffing plus mental health issues

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: IL

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-08-20 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: CA

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: Affirm Holdings, Inc
State: NY

Complaint narrative:
I filed a dispute with XXXX and spoke with affirm, they told me I dont have a card or loan on file with them, I explained its my wifes account and there was a return issue, and its against the fair credit reporting act to put this on my credit report as it doesnt belong to me, they posted a 2nd late payment, the 2nd call they told me I do hav a account but could not tell me the acct number and they dont have all my information on that account, I tried to dive this with affirm and exertion but have no option but to file a complaint. Thank you for listening

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
XX/XX/year> XX/XX/year> My case wasn't investigated properly didn't call the police station in XXXX XXXX I called and replied numerous times which they said i didn't respond which is a lie. I sent ic3 report. Never asked for report. I sent in. Never asked any questions saw it was done on my other phone which was hacked. You can see i have a different phone.if I didn't provide all the evidence that was never looked at or considered as evidence or proof. It was just rush through which was wrong. Everyone just wanted to get me off the phone or pass the buck. But I will contact the news and the US attorney general and bring a lawsuit against you all. And u said all calls are recorded. Listen to them and all the emails that u say I never replied to. The first two I never got but after that I got all the emails and the date and times I called. I want to send this up to corporate. I am not making threats. Just promises and I follow through on everything if I know i am right. I hate being lied too saying I never respond. Your managers lied saying I never respond or it has not be escalated to managers upon managers let 's see who will win in court. I even ask for managers to give me a call. Nobody did. Got hanged up a few times and on hold for long periods and no response your managers need to be restrained and learn how to do anything investigations for real. I am sending this to the US attorney. general

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: TX

Complaint narrative:
b'To Whom It May Concern,\n\nOver the past couple of years, I have been a victim of identity. In 2020, my drivers license and Social Security card were either stolen or misplaced. Since that time, I have noticed several unauthorized accounts and activity appearing on my credit report that I did not initiate or consent to. The following accounts were fraudulently opened in my name and do not belong to me:XXXX XXXX credit card XXXX| Limit $XXXX XXXX XXXX limit $XXXX  XXXX XXXX XXXX XXXX | XXXX XXXX / $XXXX XXXX XXXX | XXXX $XXXX XXXX | XXXX $XXXX XXXX XXXX | XXXX $XXXX XXXX | XXXX $XXXX XXXX XXXX | XXXX $XXXX XXXX XXXX XXXX | XXXX | XXXX $XXXX XXXX | XXXX  Opened XXXX Balance $XXXX  Credit limit $XX/XX/XXXX have taken the appropriate legal steps to report this identity theft, including filing an official complaint with the Federal Trade Commission (FTC) and submitting a police report. Copies of both are included with this letter for your review.\n\nUnder the Fair Credit Reporting Act (FCRA), Section 605B, I am formally requesting that you block and remove these fraudulent accounts from my credit report. This section of the law requires credit bureaus to block information resulting from identity theft within XXXX  business days of receiving proper documentation. Please update your records accordingly and provide me with a written confirmation once these accounts have been removed.\n\nI appreciate your prompt attention to this matter and your help in restoring the accuracy of my credit profile.'

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 2025-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
* * Subject : Complaint Regarding Capital One XXXX  Card Account # - High Interest Charges and Poor Customer Service * * I am writing to express my extreme dissatisfaction with the customer service I received and the predatory interest charges on my Capital One XXXX credit card. 

I have been a customer of Capital One, but my recent experience has been incredibly disappointing. Due to the current economic climate, I am facing significant financial hardship and am struggling to make ends meet. I am actively trying to manage my debt, which includes seeking a personal loan to consolidate and pay off high-interest credit card balances. 

In an effort to manage my account responsibly during this difficult time, I contacted your customer service department. I requested that the interest on my account be waived for a very small amount, given my circumstances. To my dismay, the representative and the supervisor, XXXX I spoke with was unwilling to listen to my situation and flatly refused my request. 

The interest rate on my account is so high that the monthly interest charge is nearly identical to my minimum payment. This has created an impossible cycle where any payment I make is immediately negated by the new interest charge. For example, when I make a payment, the interest charge for the same month is approximately the same amount. This means that despite making consistent payments, my balance is not decreasing, and I am trapped in a cycle of debt. This practice is unconscionable, especially in the current economy where so many people are struggling. 

It is disheartening to be a loyal customer trying to do the right thing and be met with such a lack of empathy and flexibility from your representatives. The experience has made it clear that Capital One is not interested in helping its customers, but rather in profiting from their financial distress. 

This situation has forced me to seek a personal loan solely to pay off this high-interest credit card and escape this vicious cycle. I believe that a company of your stature should show more compassion and understanding towards customers who are trying their best during hard times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and raise concerns regarding the 2017 data breach involving Equifax, in which the sensitive personal and financial data of approximately 147 million Americans, including mine, was compromised.

As a result of this breach, I believe that my personal informationincluding but not limited to my name, Social Security number, date of birth, and potentially credit card or financial datawas exposed without my consent due to Equifax 's failure to adequately safeguard consumer data.

Since the breach, I have experienced [ briefly describe any consequences if applicablesuch as identity theft, fraudulent accounts, credit score impact, etc. ]. This has resulted in [ describe hardship : time spent resolving issues, emotional distress, financial loss, etc. ]. 
I respectfully request the following actions be taken : 1. A formal written confirmation detailing whether my personal information was affected by the breach.

2. A record of any unusual or unauthorized activity associated with my credit file since the date of the breach.

3. Immediate removal or correction of any inaccurate, fraudulent, or suspicious information from my credit file.

4. Confirmation that a security freeze, fraud alert, or credit lock has been placed on my file at my request ( if applicable ).

5. Access to free credit monitoring and identity theft protection services beyond what was previously offered.

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 2025-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Management, Inc
State: TN

Complaint narrative:
What happened ( timeline + details ) : XX/XX/XXXX : The alleged medical services occurred ( two MRI procedures ) at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, total {$620.00}. The provider note says all available insurance has been processed. 

XX/XX/XXXX : The collection agency Professional Credit Management ( PCM ) received my written debt validation request ( sent certified ). I asked for an itemized bill from the original creditor, proof of insurance payments/adjustments, a signed agreement creating liability, and proof PCM is authorized to collect. 

XX/XX/XXXX : PCM sent a collection letter urging payment and listing payment options/fees. They enclosed a one-page internal summary showing provider name, two MRI descriptions dated XX/XX/XXXX, and the {$620.00} balance. 

XXXX did not provide an itemized billing statement from the original creditor, any EOB/insurance documentation, a signed agreement/assignment, or other documents linking me to the debt or proving PCMs authority beyond its own printout. 

During this period, PCM continued collection activity and the tradeline remains reported to the credit bureaus. 

XX/XX/XXXX : I mailed a Final Demand by certified mail, noting PCM had not provided legally sufficient validation after my dispute was received on XX/XX/XXXX. 

Why this is a problem : PCM is attempting to collect and furnish credit information without providing adequate validation after a timely dispute. The internal summary they sent is not an itemized bill or original-creditor documentation and does not show proof of authority to collect.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: GA

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account Name : XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/year> Balance : {$35000.00}

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 2025-08-20 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: NV

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX XXXX Balance Owed : {$930.00} XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance {$6000.00} XXXX XXXX Balance {$6800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-20 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: NY

Complaint narrative:
I am submitting this formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ) in connection with fraudulent accounts that remain on my credit report despite my repeated disputes and submission of legally sufficient documentation. The accounts in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were opened fraudulently and are the result of identity theft. I provided Experian with a government-issued ID, proof of address, an FTC Identity Theft Report, and a signed statement under penalty of perjury, all of which satisfy the requirements under FCRA 605B . Despite this, Experian failed to block the fraudulent information within four business days, as required by law. Furthermore, Experian has violated FCRA 611 ( a ) by failing to conduct a proper reinvestigation of my dispute within the 30-day statutory window. I also requested full disclosure of all information used to verify the disputed accounts, as permitted under FCRA 609 ( a ) ( 1 ) ( A ), but Experian has not provided this information. These failures constitute both negligent and willful noncompliance with the FCRA, entitling me to damages under 616 and 617.

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 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

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 2025-08-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account Name XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Open Date : XX/XX/year> Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Open Date : XX/XX/year> Balance : {$1400.00}

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 2025-08-20 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: IL

Complaint narrative:
I am requesting the deletion of unauthorized accounts from my credit report. I did not consent to their creation and had no prior knowledge of them. Pursuant to USC 1681g, please remove them within 15 days. Relevant documents have been attached for your review.

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