vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 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: PR

Complaint narrative:
The account is showing XX/XX/year> late payment in TRANSUNION, In EXPERIAN it shows late payment on XX/XX/year>. This information is not correct according to the Section 607 ( b ) of the FCRA requires CRAs to " follow reasonable procedures to assure maximum possible accuracy '' when preparing consumer reports. Please update to paid on time

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 2025-05-12 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: IL

Complaint narrative:
On XX/XX/year> 2 fraudulent charges were made on my checking account. The first being for the amount of {$950.00}. This charged was made at a United States postal service location in XXXX XXXX New York. I was informed it was made using XXXX XXXX. The second fraudulent charge was made on the same exact day in XXXX Illinois at a XXXX store for the amount of {$150.00} also using XXXX XXXX. I did not make these two transactions, and it would be impossible for me to make these two transactions on the same day. Chase has denied my claim and their investigation stated I made these two fraudulent payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX from a dealership in XXXX, AZ, and financed the vehicle through an auto loan. During the financing process, the finance representative included several warranties and optional add-ons in the loan agreement that I did not agree to or authorize. I was not given a clear explanation of these charges, and I felt pressured into signing the contract. 

The next morning, XX/XX/XXXX, I returned to the dealership to dispute the charges. The finance director acknowledged the issue and had me sign a new loan contract that reflected the terms I originally agreed towith the additional products removed. 

Weeks later, when I tried to make my first payment, I discovered that the lender only had the original, incorrect contract on file. I was told by the lender that the dealership needed to contact them to confirm which agreement is valid. I contacted the dealership multiple times, and they confirmed they had both versions but had not communicated the correction to the lender. 

As of now, the lender still has the wrong contract on file, and the dealership has not resolved the issue. I am concerned about being held financially responsible for terms I never agreed to and that this may impact my loan or credit if not corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
I am disputing multiple inaccurate and incomplete accounts on my credit report. Despite attempts to resolve the issue, the accounts remain improperly reported. I am requesting an investigation under the Fair Credit Reporting Act. 
During the time these delinquencies occurred, I was hospitalized due to XXXX complications from XXXX and XXXX. This medical emergency prevented me from making timely payments. I have since resumed payment and resolved the account. I ask that this context be considered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against cash app ( Block , Inc ) due to inadequate customer service and unfair practices which violates the customer financial protection act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on there platform, leaving the 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 Regulations 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 2025-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-05-12 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: NC

Complaint narrative:
I am a victim of identity theft. There are XXXX cars and a XXXX XXXX on my XXXX credit reports. Someone stole my identity, I never gave anyone permission or authorization to open these accounts in my name. These accounts need to be removed immediately from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: NJ

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.

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 2025-05-12 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: NJ

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.

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 2025-05-12 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: TN

Complaint narrative:
Transunion has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Transunion, 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 Transunion 's inaction violates federal law and my rights as a consumer.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Had an account in collections and have paid off the amount owed but its still showing the on my credit report and showing bad remarks.

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 2025-05-12 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: FL

Complaint narrative:
I came across the CFPB Experian lawsuit. 

I feel I was negatively impacted by TRANSUNION/EQUIFAX/EXPERIAN, hurting my chances at credit after receiving a response to my earlier dispute that my accounts were verified. But I don't see any details about your investigation.

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 2025-05-12 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: GA

Complaint narrative:
On XX/XX/2024, I submitted formal disputes to all three bureaus concerning numerous negative items on my credit report that appeared to be inaccurate or potentially fraudulent. Despite my good-faith efforts and multiple requests for validation and documentation, the bureaus failed to respond appropriately, either parroting unverifiable data or claiming the accounts were verified without producing any legal proof. 

Additionally, some of these accounts were allegedly charged off or sold, yet I received no notice, and the reporting across the bureaus is inconsistent, which directly violates 1681e ( b ) s requirement for maximum possible accuracy.

Further, I have not been presented with a single piece of documentation validating their right to report or collect these debtsincluding any contract bearing my signature, a full itemization of the alleged debt, or legally binding assignments.

I believe my consumer rights under the FCRA have been willfully and negligently violated, qualifying me to pursue damages under 15 U.S.C. 1681n and 1681o. The agencies have continued reporting accounts they do not own or verify, and in doing so have engaged in what I believe amounts to identity theft and unauthorized use of personal information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My name is XXXX XXXX, and I am reporting a case of online financial fraud that occurred on XX/XX/year>. I was targeted by an individual claiming to offer currency exchange services. The scammer contacted me via XXXX using the number XXXX ( XXXX ) XXXX. 

After one successful transaction, the scammer offered to exchange INR XXXX for {$1100.00} USD. I was instructed to send {$550.00} first via XXXX, which I did through my Chase account. The payment was sent to the following individual : Name : XXXX XXXX Phone Number : XXXX ( XXXX ) XXXX Date of Transaction : XX/XX/year> Amount Sent : {$550.00} USD After sending the money, the individual requested the remaining {$550.00}, which I refused to send until I received the INR as promised. The scammer then cut off all communication and never delivered the funds. 

Additionally, the scammer impersonated one of my XXXX friends, XXXX XXXX, by using his XXXX portal credentials to gain my trust. The real XXXX XXXX had no involvement in this fraud and was unaware his identity was being misused. This act likely constitutes identity theft and may be part of a larger fraud operation. 

I believe this was a deliberate act of fraud. I have also filed reports with the FBI IC3, the FTC, and have informed my bank ( Chase ) and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: AL

Complaint narrative:
I am writing to formally dispute the validity and continued reporting of a collection account listed by IC System on my credit report. Upon reviewing my credit file in preparation for purchasing a home, I was alarmed to find this collection account still being reported. I previously held an insurance policy with XXXX, which I canceled in accordance with their procedures. I received written confirmation via email that the cancellation had been processed, and at no time was I notified of any outstanding balance. The first and only notice I received regarding a balance came from my mortgage lender, after they pulled my credit report as part of the loan approval process. This unexpected and erroneous entry has not only jeopardized my ability to close on my home loan, but it has also negatively affected my credit standing. Furthermore, the balance in question has since been paid, and I was advised that the account would be removed from my credit report. Its continued presence is both inaccurate and harmful.

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 2025-05-12 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: Spring Oaks Capital, LLC
State: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally dispute the improper handling of my credit file and request immediate action regarding the violations that have occurred. I submitted a dispute to your agency concerning inaccurate or unverifiable information on my credit report on XX/XX/2025, which falls under the timeframe for the XXXX vs TransUnion lawsuit. Instead of conducting a thorough investigation or removing the disputed accounts as required by the Fair Credit Reporting Act ( FCRA ), I was issued a XXXX XXXX action that has now been challenged in a lawsuit against TransUnion for failure to comply with proper dispute procedures. 

By issuing a XXXX letter and refusing to investigate or delete the disputed items, TransUnion failed to meet its legal obligations under 15 U.S.C. 1681i, which mandates that a credit reporting agency must conduct a reasonable investigation when a consumer disputes information in their credit file. Furthermore, your actions have directly harmed me by continuing to report negative information without due process. The following items should be removed from my credit report : 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 2025-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
The account was closed due to a fraudulent charge which I was not aware of. The company refused to reopen my credit card account.

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 2025-05-12 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : DEPTEDXXXX Account # : XXXX DEPTEDXXXX Account # : XXXX DEPTEDXXXX  Account # : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXXXXXX XXXX Account XXXX : XXXX XXXXXXXX XXXX XXXXXXXX. Account # : XXXX XXXX XXXX XXXXXXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX. Account # : XXXX XXXX Account # : XXXX XXXX XX/XX/year> Equifax 2. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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:
I disputed inaccuracies on my report and received an inadequate and vague email response.

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 2025-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express closed my credit card account on XX/XX/year>. I never received a notice. In their systems they've confirmed they've sent an email communication in XXXX but I have confirmed I have never received it. 

I ask if there's anything they can do to not forfeit my earned rewards points of about XXXX. 
First representative stated that I have 90 days after the account closed to be able to redeem my points. 
Second representative to call and follow-up on this stated that because I don't have any other credit cards with AMEX that the points are lost forever and can not be redeemed 90 days after the account closed. They said there's no way in their system to do this. They proceeded to claim that this is stated in the membership agreement that I agreed to when signing up with the program with them.

At the end of the day, American Express closed my account without communicating that my XXXX points will be forfeit and did not give me options on how to keep my account open, how to redeem the points before account closure, or establish a new credit account to avoid losing the XXXX points. Their processes, contracts, and procedures is to protect their bottom line so these points earned can be easily taken away from the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL DISTRESS. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

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