vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
b"I used a service through tXXXX XXXX XXXX XXXX  The service company without my authorization double and triple charged me multiple times for the same service and even charged my card for other unauthorized transactions. There are multiple unauthorized transactions. I contacted my banking company oXXXX XXXX  once I realized the issue and started an unauthorized transaction claim, I also contacted the company oXXXX XXXX XXXXhey denied returning the funds and told me they couldn't help me and to contact my bank for the refund. I requested the funds to be returned from my issuing bank, they started the claim process, they missed some of the transactions during the claim process, so I had to go back and claim the few that were missed, I called my bank on XXXX XXXX XXXX XXXXo claim the missing transactions, those claims were approved and my money returned. The bank denied the large claim but did return some of the money on the smaller claims from claim XXXX XXXX XXXX. If they deemed the other transactions to be unauthorized and returned my funds, they should deem the other transactions to be unauthorized too and return my money. I Have been calling and fighting with the bank for over a year to issue my money back to me, they keep denying the money and will not return it. \nThe bank stated that the transactions were authorized, but they were not.\n\ni submitted my claim on 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: AZ

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a timely resolution.

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 2025-11-08 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: TX

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : Transunion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 any 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 seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 2025-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: AZ

Complaint narrative:
My account was closed for an alleged terms of service violation on or around XX/XX/XXXX. I opened the account originally around XX/XX/XXXX and have never had any issues. I have never used the account for anything besides work and points accrual at various local restaurants. I filed an appeal and received a response to that on XX/XX/XXXX which indicated my account was linked to a terms of service violation that involved gambling. I called and spoke to a representative as my account doesnt have any transactions involving sending, receiving, paying, requesting or any other monetary transaction. Cashapp offers points rewards programs and the only transactions on my account are points earned when I buy coffee. I dont and never have had linked bank accounts or debit cards on my cashapp account. I appealed a second time on XX/XX/XXXX and am currently awaiting a response. Customer service representatives cant help me, there is apparently no way to speak directly to a supervisor and whoever is determining the outcome of the appeal is also not available to speak directly to. I use this cashapp account for work doing private investigations, as it is an open source resource that I use. As my account has been closed I have been unable to use it for work, potentially resulting in missed surveillance and claims resolution opportunities. 
I am unable to open another account as the accounts are confirmed with a social security number and if I attempt to open a new one it is flagged and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
Predatory loan, ridiculously high interest rate...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Servicer under contract with Federal Student Aid
State: VA

Complaint narrative:
I noticed on my XXXX  credit report that I have a charge off from the US Dept of Education. I have never received a loan from them and this must be identity theft.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
I am writing to file a formal complaint against BMW Financial Services for their repeated refusal to issue IRS Form 1099-C, Cancellation of Debt, for a charged-off account under my name.

The account in question is Account Number : XXXX, and the total charged-off amount is {$6400.00}. I have made multiple requests to BMW Financial Services for the issuance of this form, but each request has been denied or ignored. This has created significant difficulty in accurately reporting my income and tax obligations to the Internal Revenue Service. 
Under 26 U.S. Code 6050P, financial institutions are required to file Form 1099-C with the IRS and provide a copy to the debtor when a debt of {$600.00} or more is canceled or discharged due to an identifiable event, such as a charge-off. The IRS also outlines in its regulations ( 26 CFR 1.6050P-1 ) that a creditor must issue this form when they have discharged a debt and no longer intend to collect it.

BMW Financial Services failure to comply with this federal reporting requirement appears to be a violation of this statute and has obstructed my ability to meet my tax responsibilities. Their refusal to issue the required documentation after multiple good-faith requests is both unreasonable and unlawful.

I respectfully request that the CFPB investigate this matter and compel BMW Financial Services to issue the appropriate Form 1099-C for the charged-off debt. I am prepared to provide documentation of my requests and any correspondence with BMW Financial Services upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: TrueAccord Corp.
State: TX

Complaint narrative:
I am filing this complaint against TrueAccord regarding the account TRUEACCORD C XXXX *, Date Opened : XX/XX/year>, High Balance : {$170.00}, reported as a collection. I have no knowledge, agreement, or relationship with TrueAccord concerning this alleged debt. I never opened or authorized any account tied to this company, and no documentation has been provided to validate its legitimacy.

This collection account appears to be false or unverified, and TrueAccord has failed to supply proof of ownership, the original creditors information, or a signed contract linking me to this debt. Reporting unverified data violates the Fair Credit Reporting Act ( FCRA ), including 607 ( b ) ( requirement for maximum possible accuracy ) and 611 ( a ) ( requirement to verify disputed information ). 

The presence of this false collection entry has negatively impacted my credit and financial reputation. Despite prior disputes, no evidence has been provided proving that this debt is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: Klarna AB
State: DC

Complaint narrative:
Klarna have added negative impact to my credi score which i was unaware that they report things. This is unacceptable and i have no knowkege.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Loan check deposited funds that were verified, from XXXX XXXX to Ally Bank Checking account. The account had the funds available, verified for 12 days and showed up to other linked institutions as available balance. Support and secure messages also verified the information. 

Ally then had a lockout from a password issue logging in. It locked the account and they needed me to call 3 calls in, they assured everything was fine and otherwise Then suddenly on the 2nd call on the day the department handling it said it was definitely available that day ( Ally ) they then claimed they couldn't verify the check even if other institutions and the local branch of XXXX could, they even reported the loan on credit, reported the first payments to it, documents, reports arr positive and forbes featured even... And Ally insists the check they cashed abd provided XXXX XXXX  with the remaining information to even activate the account and online service with them, the mailed documents, and otherwise... 

Is something fraudulent on the other institutions end or something that doesn't appear to be the case or a consistent basis when delaying resolution. 2 payments on the loan have been made and appear on credit reports and otherwise... And Ally has absolutely done nothing but notified me by mail after becoming aware of records and audio of their inconsistent institutions and XXXXXXXX XXXX And the secure messages and recordings in other departments and their own ... that they then decided the investigation was starting over some New reason giving them even more indefinite time to hold funds even though they appear wrong. 

As a result of both institutions claims.. I have made an ic3.gov fbi complaint and have also asked police and other agencies about this situation nobody can verify allys claim and the originating banks branch verified their information matches the information ally has and they have as a result.

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 2025-11-08 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: AZ

Complaint narrative:
I am submitting this formal dispute and legal demand concerning multiple inaccurate personal identifiersincluding names and addressesthat are currently being reported across my credit files. 
I hereby affirm that I have never used, authorized, or been associated with the listed aliases, and I have never resided at the reported addresses appearing on my consumer reports. These entries are false, misleading, and unverifiable, and they have no lawful connection to me or my financial history.

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 2025-11-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL

Complaint narrative:
Account GenesisXXXX # XXXX : I am unaware of this debt and was not given the opportunity to dispute it. If you claim proper notice was sent, please provide certified mail proof bearing my signature. Otherwise, delete Account # XXXX from my credit report immediately to avoid further legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants and Medical Credit Corporation, Inc.
State: TN

Complaint narrative:
This collection agency has reported a storage unit debt to the credit bureaus even though the account is under active dispute. I previously sent a written dispute and request for validation, asking the collector to provide : A copy of the original storage contract, A full itemized breakdown of the balance owed, Proof of ownership or assignment showing their right to collect, and Documentation showing how the storage unit auction proceeds were applied to the alleged balance. 

The collector did not provide the required validation or documentation showing a lawful right to collect. Despite this, they are continuing to report the account as a collection item. On my credit file, the tradeline appears as : Placed for collection Account information disputed by consumer. 

While this shows the account is in dispute, the collector has not provided evidence verifying the debt under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), and therefore should not continue reporting the account as valid. Doing so while the dispute remains unresolved results in incomplete and misleading information being furnished to credit bureaus, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: AZ

Complaint narrative:
I am formally disputing the accuracy and validity of a Charge-Off account currently reporting on my credit file. After a thorough review of my credit report, I have found this account to be inaccurate, incomplete, and unverifiable under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Pursuant to FCRA 602 ( A ) and 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute any information that is being reported inaccurately or can not be verified. The creditor in question has failed to provide documented proof validating the alleged debt, including a signed contract or any evidence of ownership or authorization.

Under FCRA 609 ( a ) ( 1 ), I have the right to full disclosure of all information the credit bureau has on file regarding this account, and under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting inaccurate or unverifiable data to consumer reporting agencies. Continuing to report unverifiable or erroneous information constitutes willful noncompliance and a direct violation of federal law.

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 2025-11-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NH

Complaint narrative:
On XX/XX/XXXX, I received a phone call from someone who impersonated a representative of Chime XXXX XXXX XXXX  ). The caller said there was a fraudulent transaction on my account and that they would help me dispute it. Believing I was speaking with my banks fraud department, I followed their instructions. They told me to authorize a transaction that would reverse or block the fraudulent payment. 

I realized moments later that the funds were sent directly to the criminal, not to the bank. I immediately reported the incident to Chime, filed an internet crimes complaint, filed a police report ( XXXX XXXX. XXXX ), and provided full documentation of the phone numbers that called me. I filed a dispute claim to Chime the same day of the incident and opened the investigation two more times, one with the internet crimes complaint and again once I had access to the completed police report.

All three times, the bank denied my claim within two days, stating that the transaction was authorized. This is incorrect. I was fraudulently induced to authorize the transfer under false pretenses by someone impersonating the bank itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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:
I have no connection with these accounts and demand their removal within 15 days per USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: CA

Complaint narrative:
To Whom It XXXX Concern, I am filing this formal complaint against the inaccurate and misleading reporting that has been placed on my consumer credit report, which violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These accounts have been reported with false late payment information, and the furnishers have failed to verify or provide any proof of my legal liability or payment history despite my previous disputes. The continued reporting of false information has caused financial and emotional damage by lowering my creditworthiness, increasing my loan interest rates, and denying me fair credit opportunities. The information below identifies the specific accounts in question. 

XXXX XXXX XXXXXXXX High Balance : {$23000.00} | Date Opened : XX/XX/XXXX | Charge Off This account was reported as charged off without verified documents or proof of ownership. No original contract or billing records were provided as required under XXXX ( a ) ( XXXX ) ( A ). Continued reporting without proof violates XXXX ( b ) and XXXX ( a ) ( XXXX ) ( A ). I request deletion for lack of verifiable evidence. 

XXXX XXXX XXXXXXXX XXXX  High Balance : {$39000.00} | Date Opened : XX/XX/XXXX | Charge Off The bureau failed to provide any signed contract or original proof supporting this charge-off. Reporting unverifiable data violates XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). This account must be removed immediately under XXXX ( b ) for lack of accuracy and documentation. 

XXXX XXXXXXXX XXXX XXXXigh Balance : {$40.00} | Date Opened : XX/XX/XXXX | Late Payment This accounts late payment can not be verified. No documentation or payment record was ever provided. Reporting unverifiable information violates XXXX ( a ) ( XXXX ) ( A ), XXXX ( a ), and XXXX ( b ). Deletion is required by law. 

I am requesting the CFPB to take immediate action to investigate these violations, hold the furnishers and bureaus accountable, and ensure full compliance with federal consumer protection laws. My credit report must reflect only verified, accurate, and complete information as per the requirements of the FCRA. The repeated failure of the bureaus and furnishers to follow these legal standards has caused me measurable harm and loss. I respectfully demand that the CFPB enforce the removal or correction of these items and ensure the protection of my consumer rights under federal law.

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