vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected.

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding JPMCB HOME s failure to properly verify and correct inaccurate information reported on my credit file.

Despite my dispute, the creditor allegedly verified the account as accurate with XXXX  and XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. JPMCB HOME has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 

JPMCB HOME XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: LA

Complaint narrative:
: Fraudulent Account and Hard Inquiry Dispute under FCRA Immediate Deletion Requested To Whom It May Concern, This letter is a formal notice that the following account and hard inquiries were fraudulently reported under my credit file without my authorization. As permitted by the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and supported by the FTC Identity Theft Affidavit enclosed, I am demanding the immediate permanent deletion of all listed fraudulent data from my credit profile. 

FRAUDULENT ACCOUNT : XXXX XXXX XXXX Original Creditor : CASHNETUSA Account Number : XXXX Opened : XX/XX/year> Balance : {$2200.00} I have never applied for, used, or authorized this account. This account was opened and reported without my consent. 

UNAUTHORIZED HARD INQUIRIES : The following hard inquiries were made without my knowledge or consent, in direct violation of FCRA Section 604 ( a ) ( 3 ). 

Creditor Inquiry Date XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> 2025

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 2025-09-26 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: LA

Complaint narrative:
: Fraudulent Account and Hard Inquiry Dispute under FCRA Immediate Deletion Requested To Whom It May Concern, This letter is a formal notice that the following account and hard inquiries were fraudulently reported under my credit file without my authorization. As permitted by the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and supported by the FTC Identity Theft Affidavit enclosed, I am demanding the immediate permanent deletion of all listed fraudulent data from my credit profile. 

FRAUDULENT ACCOUNT : XXXX XXXX XXXX Original Creditor : CASHNETUSA Account Number : XXXX Opened : XX/XX/year> Balance : {$2200.00} I have never applied for, used, or authorized this account. This account was opened and reported without my consent. 

UNAUTHORIZED HARD INQUIRIES : The following hard inquiries were made without my knowledge or consent, in direct violation of FCRA Section 604 ( a ) ( 3 ). 

Creditor Inquiry Date XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: PR

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT bank XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECTION 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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2025-09-26 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: PR

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT bank XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECTION 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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/year>, notification by TransUnion was generated informing me of a cyber incident that resulted in my social security number and my date of birth being compromised due to unauthorized access by a third party application. I questioned a TransUnion representative as to this third party application that is responsible for the theft of my identity, however I was told that I could not be provided this information. The impact of this cyber incident is having an effect on my quality of life, I am employed as well as a small business owner, there are inquiries on my credit report that I am not familiar with having initiated myself, which has effected my ability to obtain any type of financial assistance towards my startup business, as well as any personal financial assistance. TransUnion bares responsibility for the theft of my personal information, my social security number, along with all other personal information, should have been protected, it wasnt.

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 2025-09-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: TX

Complaint narrative:
I opened a Premium Savings Account ending in XXXX with E * TRADE on XX/XX/year> and enrolled in the promotion of {$750.00} bonus for depositing {$75000.00} with promotion code XXXX. I got email confirmation for the offer enrollment the same day. A few days before the due day for bonus payout, E * TRADE restricted my account and sent me an email, stating I am not qualified for the bonus with no explicit reason mentioned. I noticed that one term in the bonus offer says " You must keep your account open and in good standing to receive the bonus. If your account is in default, restricted or closed for any reason prior to such time, including being closed by us, you will not be eligible for the bonus. '' I suspect E * TRADE try to avoid paying the bonus by restricting my account to disqualify me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-09-26 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-09-26 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
Charged a late fee, called the representative on XX/XX/year> to explain the situation. Lady told me she would remove the late fee so it wouldn't show up on my credit report, but then later told me that the system was unable to let her to do it. 

Please remove the late fee and any interest charged, and remove this incident from my credit report

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: FL

Complaint narrative:
b'Heres a draft you can file with the Consumer Financial Protection Bureau (CFPB). Ive structured it in clear, formal complaint language and referenced the attached receipt. You can copy, paste, and submit this through the CFPBs complaint portal:\n\n\n\nTo: Consumer Financial Protection Bureau\nSubject: Complaint Regarding Remitly  Unreasonable Hold and Delayed Refund of XXXX Transfer\n\nComplainant:\nXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXCompany: Remitly\n\nComplaint Details:\nOn XXXX XXXX XXXX, I initiated an international money transfer using Remitly in the amount of XXXX USD to my relative, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The total amount charged to me, including fees, was XXXX USD via my XXXX  ending in XXXX. (See attached XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX).\n\nDespite providing full information and proof that this transfer was a legitimate family remittance, Remitly has repeatedly placed the transaction on hold. Each time I contact them, I am given inconsistent answers and redirected without resolution.\n\nWhen I requested a refund, Remitly informed me that the refund process would take 10 days. This delay is unacceptable as these funds represent my lifeline income and were urgently needed by my recipient overseas.\n\nIssues for Investigation:\n\t1.\tUnreasonable Holding of Funds  Remitly has not provided clear justification for why this transfer was frozen after complete documentation was provided.\n\t2.\tUnfair Refund Delay  A 10-day delay to return funds that were never delivered to the recipient is excessive and creates financial hardship.\n\t3.\tLack of Transparency and Customer Support  I have been bounced around without receiving a clear explanation or timely resolution.\n\nRelief Requested:\n\t\tImmediate release of the funds to the intended recipient OR immediate refund of the full amount to my account.\n\t\tA formal explanation from Remitly for the repeated holds and refund delays.\n\t\tRegulatory review of Remitlys practices regarding fund holds and refund timelines.\n\nAttachment: Transfer Receipt XXXX XXXX XXXX (showing transaction details, amount sent, fees, and total charged).\n\nSincerely,\nXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ca, XXXX Date : XX/XX/year> To : columbia debt recovery, DBA GENESIS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX WA XXXX Subject : Request for Debt Validation under the FDCPA ( 15 USC 1692g ) Re : Account Number Creditor : [ XXXX XXXX ] To Whom It May Concern, This letter is being sent in response to your recent collection attempt. This is not a refusal to pay, but a request for validation and verification of the alleged debt, made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( b ). 
Under the FDCPA, I have the right to request that you provide complete and accurate validation of the debt you claim I owe. I respectfully request the following : 1. A copy of the original signed contract or agreement bearing my signature showing that I agreed to assume this debt.

2. A full itemized accounting of the alleged debt, including : * The original balance * All interest, fees, and payments applied * How the total was calculated 3. The name and address of the original creditor 4. Proof that you are authorized to collect this debt in my state 5. Documentation showing the chain of custody or ownership from the original creditor to your agency 6. A statement that this debt has not been paid or settled by any other means 7. If you have already reported this account to any credit bureau ( XXXX, XXXX, XXXX  ), please remove ituntil the debt is fully validated. 
Until these requests are fully satisfied, you must cease all collection activities, including reporting to credit bureaus, as required by the FDCPA. 
If you can not provide proper validation within 30 days, you must : * Cease all collection efforts, and * Permanently delete this account from all credit reporting agencies. 
Any failure to comply will be considered a violation of the FDCPA, and I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 
Please respond in writing within 30 days. 
Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/year> I received a text from XXXX XXXX wanting to verify some charges made using my Apple ID, as they have contacted me before about thats charges I felt confident to respond, however as soon as responding l, they proceeded to verify all my credit or debit cards and my Cash App account, claiming they are coming from this Cash App, after verifying my bank information they attempted to transfer funds without my consent and transfer them to Cash App, then transfer this balance to my XXXX  balance and transfer it to himself. When I noticed my Cash App had XXXX balance as well as my XXXX I asked for it back, he then hung up and I was not able to stop these transactions even though I reported the theft right away, neither the bank neither Cash App or XXXX was able to cancel or refund theses unauthorized transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am submitting this formal complaint against Experian for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Experian with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent account from my credit report, as required by law. Specifically, the following accounts in question includes 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 XXXX XXXX XXXXXXXX confirmed would be removed but remains on my report ; it is an identity theft related and should have been blocked under 1681c-2 of the FCRA. XXXX refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial 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 2025-09-26 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-09-26 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: CA

Complaint narrative:
I am filing this complaint against all three credit bureaus ( Experian, Equifax, and TransUnion ). I previously submitted factual disputes along with a valid Identity Theft Report, attaching the supporting documents to my dispute letters. Despite this, the disputed fraudulent accounts continue to remain on my credit reports as if no investigation or corrective action has been taken. 

This is a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires the credit bureaus to conduct a reasonable investigation and remove inaccurate or fraudulent information when provided with proper evidence. I have done my part by supplying the required documentation, including the official identity theft report, yet my credit files remain uncorrected. 

Additionally, on Monday, XX/XX/XXXX, I already filed a complaint with the CFPB regarding this matter. However, my complaint was closed immediately without any meaningful investigation or verification. This premature closure has left me without a fair resolution, while the fraudulent accounts continue to harm my credit profile. 

I am requesting that the CFPB reopen and properly investigate my complaint, ensure that the credit bureaus comply with the law, and confirm the deletion of these fraudulent accounts from all three of my credit reports. I expect a thorough review of my case and written confirmation once the accounts are removed.

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 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation