vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I initiated transfer of {$1500.00} from my chase XXXX  account to XXXX XXXX XXXX  XXXX. XXXX small deposits were made and I confirmed deposits with Chase. Transferred was denied so I called Chase XXXX  for confirmation. They confirmed my identity and wanted to know exactly what the money would be used for upon transfer. I told Chase XXXX  I wasnt sure and it was none of their business. The denied the transfer and froze account. It is not unlawful for me to withdrawal money from my account after my identity is confirmed as it is my money nor is it required for me to inform them of my spending habits. This was my first and only transfer attempt as there is no suspicion to freeze an acct nor develop a XXXX. I want my money as there is no branch in my area.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
Recently, I reviewed a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : PNC BANK XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA XXXX, that you, ( XXXXXXXXEquifaxXXXXXXXX  ) XXXX XXXX XXXX agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report : XXXX XXXX XXXX opened XX/XX/XXXX amount {$2500.00}, XXXX Credit Card opened XX/XX/XXXX amount XXXX, XXXX  XXXX XXXX opened XX/XX/XXXX amount XXXX. 
There are also fraudulent Addresses/ Inquiries that i do not recognize and was not authorized by me with : XXXX XXXX XXXX XXXX XXXX LA XXXX, XXXX XXXX XXXX XXXX XXXX La XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX La XXXX, XXXX XXXX XXXX XXXX XXXX Az XXXX. Collections XXXX XXXX XXXX. 
These fraudulent accounts, and inquiries have resulted in significant damage to my consumer credit report, as they were not opened, made, or initiated by me. All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXX ) as proof from the XXXX Federal Trade Commission that al of the aforementioned consumer credit accounts, and inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint to dispute the fraudulent account that appears on my credit report. I never applied for or authorized this account, nor do I have any connection with it. Its reporting is false and is unfairly damaging my financial record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint because my credit report contains a fraudulent account that does not belong to me. I have never applied for, authorized, or used this account. Its reporting is completely inaccurate and has led to unfair harm to my credit reputation.

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 2025-09-03 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: NV

Complaint narrative:
I have no ties to these fraudulent accounts. I ask for immediate removal from my record and a comprehensive investigation. Enclosed are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
XX/XX/year> i applied for XXXX XXXX card with {$15000.00} limit, but told them {$10000.00} is ok.to renovate my kitchen. CitiBank does these loans. Called and asked why but they would not tell me. 
My XXXX XXXX is excellent range, have no mortgage on home, or car loan, pay credit cards ( XXXX ) monthly in full. Did purchase refrigerator ( on credit ) but it is already set to be paid in full this month. 
Ran my credit report and it verifies this. I am XXXX yrs old and feel the only thing they could have rejected me for was age.

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 2025-09-03 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: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 non-monetary relief
Consumer complaint received 2025-09-03 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX. 
XXXX ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$2700.00} These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX  inquiries as reported. The aforementioned accounts, collections and XXXX  inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and XXXX  inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX  inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: Alorica Inc.
State: MI

Complaint narrative:
My original certified dispute was delivered to XXXX on XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), they had XXXX  days to investigate and respond. XXXX did not respond until after XX/XX/year>, which exceeds the allowed timeframe and is a procedural violation. 

When they did respond, they provided only an account history, fee tables, and a generic agreement. This information does not meet the standard for proper validation or a full reinvestigation under the FCRA because it does not demonstrate their legal right to report this account or provide full validation of the debt. 

XXXX also claimed that a delinquency notice was mailed on XX/XX/year>, but they did not provide any proof that I actually received the notice ( such as certified delivery or documented receipt ). A claim of mailing without proof of delivery does not meet the requirement to ensure the consumer is properly notified before negative information is furnished to the credit bureaus. 

XXXX  delayed response and incomplete validation show they are not complying with their obligations as a furnisher under XXXX XXXX. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX XXXX XXXX. I suspect these inquiries were made in error and am requesting their 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 non-monetary relief
Consumer complaint received 2025-09-03 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: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
I am disputing inaccurate reporting on my XXXX  credit file related to XXXX, XXXX, and a collection account. For XXXX, a late payment is being reported even though I was incarcerated during the period in question and never had the chance to complete the loan agreement or make payments. For XXXX, the account is reported as paid, but I was XXXX  at the time and could not go through with the agreement. Despite this, a late payment was still added and verified without proper validation. For the collection account, I disputed it with XXXX  and contacted the furnisher, but no proper documentation or proof of ownership was ever provided. I submitted disputes through XXXX, but the bureau only responded that the information is accurate, without providing mailed notices, emailed responses, or documentation within the required timeframe. This failure to provide verification and investigation results is a violation of the Fair Credit Reporting Act ( FCRA ). The XXXX late payment, the XXXX reporting, and the collection are all being inaccurately reported, which is unfairly damaging my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Second Request Failure to Conduct Reasonable Investigation / Demand for Deletion To Whom It May Concern : This is my second written request regarding serious inaccuracies on my Equifax credit file. It has now been over 30 days since my initial disputes, yet these negative items remain. Equifax is in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) for failing to ensure maximum possible accuracy and for continuing to report unverifiable accounts.

Below I list the accounts reporting inaccurately, with the relevant laws : Collections & Charge-Off Accounts XXXX XXXX XXXX XXXX XXXX Accounts ( multiple, including Acct # XXXX, # XXXX, # XXXX, # XXXX, etc. ) Reporting as collection/charge-off with inconsistent dates of activity.

Violation : 15 USC 1692g ( Validation of debts ) ; 15 USC 1681e ( b ) ( Accuracy ) ; Johnson v. LVNV Funding ( case law ).

Instruction : Provide validation documents including original signed contract, or delete immediately. 
XXXX XXXX XXXX ( Acct # XXXX, # XXXX ) Reporting as collection without proper validation, differing dates across bureaus.

Violation : 15 USC 1692e ( False or misleading representation ) ; 15 USC 1681i ( Failure to investigate ).

Instruction : Delete immediately as unverifiable. 
XXXX  XXXX ( Acct # XXXX, {$870.00} charged-off ) Charged off and sold/transferred but no IRS 1099-C was issued .

Violation : 15 USC 1681s-2 ( Furnisher duties ) ; 15 USC 1681e ( b ).

Instruction : Delete for incomplete/inaccurate reporting. 
XXXX XXXX  ( Acct # XXXX, {$550.00} ) Reporting as charge-off with multiple late entries inconsistent across bureaus.

Violation : 15 USC 1681e ( b ) ; 15 USC 1681i.

Instruction : Delete as inaccurate. 
XXXX XXXX XXXX XXXX  ( Acct # XXXX, {$490.00} ) Listed as charged off but sold/assigned. 
Violation : 15 USC 1681e ( b ) ; 15 USC 1692g.

Instruction : Provide proof or delete. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX etc .

All reporting charge-offs with inconsistent balances and dates.

Violation : 15 USC 1681e ( b ) ( accuracy not assured ).

Instruction : Delete immediately.

Late Payments Accounts such as XXXX XXXX, XXXX, XXXX, and multiple department store cards are reporting repeated late payments ( 30-120+ days ).

Violation : 15 USC 1666b ( timing of payments ) ; 15 USC 1681i ( disputed accuracy ) ; 15 USC 1681e ( b ).

Instruction : Update to Paid as agreed / Never Late.

Inquiries XXXX ( XX/XX/year> ) Equifax These inquiries were not authorized.

Violation : 15 USC 1681b ( a ) ( 2 ) ( permissible purpose ) ; 15 USC 1681q ( false pretenses ).

Instruction : Delete immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On Friday XX/XX/XXXX loan company XXXX XXXX  who does pre-settlement loans gave me a loan that my attorneys pushed really hard for because they know I'm in a really bad situation after a car accident and my husband leaving me and I can't work cuz I just had XXXX from the car accident so anyways the loan went into TD Bank and I could not use any of it then finally on XX/XX/XXXX I could use some of it to get an order from XXXX because I had no food and the reason the attorneys pushed so hard for this loan was because I have no food and utilities are getting shut off so they pushed for me to get this loan and again the first TD Bank finally gave me a virtual card so I can get an order of food but that's all I could do so I tried with a XXXX XXXX and with my time account to transfer money out of there so I can use the funds that the loan was meant for me to do and they closed my account I have talked to several several people and they all say the same thing there's nothing they can do and that I have no access to those funds I told them my situation that my water is due to be shut off tomorrow which is XX/XX/XXXX they do not care they said maybe 15 days from now if the fraud department allows me I might be able to travel 3 hours there to get my funds maybe and I don't know what I'm going to do I am so desperate I am so sick over this I've been through so much lately in these last couple months this loan was finally a godsend and now I can't have it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I tried to recall 7 wires, total amount of {$180000.00} from my account at Chase to XXXX XXXX to someone I dont know and bank told me that funds cant be recovered due to account at XXXX XXXX are closed. Its a big fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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