vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 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: PA

Complaint narrative:
These reports are in direct violation of the Truth in Lending Act, specifically 15 U.S.C. 1666b and 1666d.

According to 1666b, no payment may be treated as late unless I was provided a minimum of 21 days from the statement date to make the payment. Furthermore, 1666d prohibits creditors from reporting negative activity unless all billing and disclosure procedures are followed correctly. The following closed accounts are currently reporting missed payments despite noncompliance with these federal standards : Accounts in Dispute for Illegal Late Payment Reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX late payments These inaccurate negative entries are damaging my creditworthiness and are being reported without verified proof that I was properly billed, provided sufficient time to pay, and informed under the required provisions of the Truth in Lending Act.

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kovo
State: CA

Complaint narrative:
Issue : Incorrect information on credit report/ Companys investigation was not thorough / Account was reported without proper validation or consideration. 

Describe what happened : Kovo falsely reported a financial obligation to consumer reporting agencies based on a contract it mischaracterized. 

Kovo stated in writing that no funds are provided at the start or end of a plan. If no consideration or funding occurred, then no lawful debt exists. Yet they reported a {$240.00} installment tradeline to credit bureaustriggering financial harm and misleading the record of my creditworthiness.

When I demanded validation under FCRA 1681i and a full accounting under XXXX  standards, Kovo failed to : Show any value or funds were exchanged, Disclose how the agreement was monetized or booked as a receivable, Demonstrate any lawful basis for repayment, Comply with TILA disclosure requirements. 

This is a textbook example of : TILA violations ( 15 U.S.C. 1601 et seq. ), FCRA violations ( 15 U.S.C. 1681i ), FDCPA violations ( 15 U.S.C. 1692a ( 5 ) ), UCC 3-303 ( b ) ( no value given ), And potentially 18 U.S.C. 892894 for creating extortionate credit claims with no legal basis.

Kovo also attempted to collect by offering a {$200.00} settlement without validating the debt. That offer constituted a deceptive act implying that the reporting would improve in exchange for unverified paymentthis violates federal consumer law.

I request the following resolution : 1. Removal of the Kovo tradeline from all consumer credit reporting agencies ; 2. A complete accounting under XXXX and XXXX  showing all ledger entries and origination details ; 3. Acknowledgment that no valid debt exists due to lack of consideration ; 4. Cessation of deceptive and misleading collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
I was incarcerated for 3 plus years in which time the cashapp account I had was closed due to inactivity. I contacted cashapp they wont give me any information on my closed account or how to recover my funds I had invested in stocks and bitcoin through the app and now it seems my money is lost for some reason and they wont tell me why or how to fix it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: GA

Complaint narrative:
THE ACCOUNTS AND INQUIRIES INQUESTION DO NOT BELONG TO ME, THEY WERE NOT AUTHORIZED BY ME. THEY WERE CREATED DUE TO FRAUD, FOR THAT REASON ALONE THEY MUST BE REMOVED PER 15 USC 1681B.I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF STOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715, 719 I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT IN FACT EXISTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: GA

Complaint narrative:
THE ACCOUNTS AND INQUIRIES INQUESTION DO NOT BELONG TO ME, THEY WERE NOT AUTHORIZED BY ME. THEY WERE CREATED DUE TO FRAUD, FOR THAT REASON ALONE THEY MUST BE REMOVED PER 15 USC 1681B.I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF STOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715, 719 I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT IN FACT EXISTS.

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 2025-06-07 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: GA

Complaint narrative:
Upon reviewing my credit report Ive found that inaccurate information has been reported or not being reported correctly due to the fairness credit act laws Ive provided evidence of the inaccurate reporting and investigation of this matter concerning the dismissal of the bankruptcy court case which has been deleted and removed from the other two credit reporting agencies XXXX  & XXXX  but Experian has failed in compliance with the fairness credit reporting act laws concerning a dismissed bankruptcy removal.

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 2025-06-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PNC Bank N.A.
State: VA

Complaint narrative:
My account was frozen without any valid reason. I had made a payment, and I received confirmation from a PNC representative that the payment had been processed. Then, without any prior notice, the account was closed. Although it was later reopened, it remains frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
I was recently a victim of identity theft and multiple accounts were opened without my knowledge or consent. I have filed a ftc affidavit detailing the fraud, a recent collection just appeared on my transunion report from Jefferson Capital Systems LLC, the debt jus showed up but it says it was opened in XXXX of this year and the original creditor is XXXX and I have XXXX, but I didnt get with them until XXXX and I currently am in good standing with them as well. I did not open an account with XXXX previous to XX/XX/year> and whatever account that is showing up on my credit report is indeed fraudulent and no fault of my own

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: AL

Complaint narrative:
Bankruptcy reporting on my credit file needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Debt validation letter You do not have my permission to be in touch with me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NC

Complaint narrative:
Account Jefferson Capital Systems , LLC ending in XXXX. I'm unaware of this debt and did not have the opportunity to dispute the account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account ending in XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: AL

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 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX * * * * ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX * * * * ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX * * * * ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX * * ACCOUNT XXXX XXXX XXXX XXXX  ACCOUNT XXXX * * ACCOUNT XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  ACCOUNT XXXX * * * * ACCOUNT NAME : XXXX  ACCOUNT XXXX * * * * ACCOUNT NAME : XXXX  ACCOUNT XXXX * * * * ACCOUNT NAME : XXXX  ACCOUNT XXXX * * * * has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than XXXX years 15 U.S.C. 1681s-2 ( A ) ( XXXX ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I have previously disputed with XXXX XXXX and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year> Chase bank took out {$2600.00} out of my checking account. With a noted message saying The treasury check you deposited on XX/XX/year> was reclaimed by the Treasury for an unauthorized negotiation. I never Ever deposited a treasury check. After speaking with several customer claims agents they said they would investigate only for them to close the claim and try to say that I walked into a bank and showed ID and my bank card and that the teller cashed the check against my account which the check was not even in my name. It wasnt Me i told them they are wrong they allowed a complete stranger to do this and cashed a check thats also not in my name. After a month and a half of calls and going into my local branch, and the employee fighting on my behalf we were able to get a image of the check and u can see its a treasury check with someone elses name on it with they signature and they forged my signature under theirs to endorse the check. We also found out this was done in a completely different state that i dont live in. Its The banks negligence that they gave away money with out due diligence, and i have to suffer the consequences and have my money taken out of my account which should have never happened. THIS WAS FRAUD PLAIN AND SIMPLE! ( also the only ID I USE IS MY PASSPORT )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I have deposited a check from my employer in the amount of {$1900.00}. And I was informed that the bank would release my funds only after 12 days. After many attempts to communicate with customer service, nothing happened. Its unacceptable, I have bills to pay, I have payments that were due and Im not able to pay any just because some financial institution does not want to give me the money I worked for. Im the one going in debt and bills adding interest just because I cant use my own hard earned money. I need a resolution and as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions 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 explanation
Consumer complaint received 2025-06-07 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 2025-06-07 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 am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: GA

Complaint narrative:
I want these accounts removed and deleted off my credit from all these bureaus XXXX Experian, and Equifax. I did not authorize these companies to run my credit. Under Law Section 605b - 1681 c-2 of the Fair Credit Reporting Act this is Fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX XXXX XXXX Account Number : 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 explanation