vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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: FL

Complaint narrative:
I am filing this complaint because my Experian credit report contains inaccurate and fraudulent information. Upon reviewing my credit report, I found several collection accounts that I do not recognize and are a result of identity theft. The specific fraudulent accounts are : Collection Account : XXXX XXXX XXXX IN, with an original creditor listed as " XXXX XXXX XXXX' opened on XX/XX/XXXX, with a balance of {$9100.00}. I am a victim of identity theft and did not open this account. 
Collection Account : XXXX XXXX XXXX, with an original creditor listed as " XXXX XXXX, '' opened on XX/XX/XXXX, with a balance of {$13000.00}. This account is fraudulent and not associated with me. 
These entries are damaging my credit profile. In accordance with Florida Statute 817.535, a credit reporting agency must block information on a consumer 's credit report that resulted from identity theft upon request

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I was trying to wired money to XXXX XXXX, I tried to do it online. But the app and the website for Chase Bank to fill the information online is impossible to do, I couldn't fill the recipient 's address due to it restrictions, only 32 charaters and no symbols are allowed. I called the technical support and they told me online doesn't allow all those mentioned # ofcharaters and symbols, I would have to go to any Chase brench to do the transaction in person. However, if I did it in person it would cost me {$10.00} more per transaction which I had no other options but spent {$10.00} more. I went to JPMorgan Chase Bank in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to do all the wired transaction. The brench staff and the manager at the bank helped me to successfully wired the transaction, and the bank manager took all my ID and bank card to varified that it me the account owner sent the money and had me signed all the paper and approved this transaction. the paper shows that the fund would be available on XX/XX/year>. No one told me that I should expect any phone calls from any department ie : fraud department for more varification etc.... On XX/XX/XXXX ( which 6 days later ) at XXXX am PDT I received a phone voice message and it's from Chase Bank fraud department and asked me to contact them regarding a transaction ( didn't mention what it is ). At XXXX PDT which was less than XXXX hours from the time they left a message till I returned the phone call, was talking to XXXX XXXX the fraud department and she told me it was regarding the wired transaction to International destination and due to the fraud department couldn't get a hold of me ( meaning I didn't answer the phone right at the monent they called ) they cancelled my wired transaction. 
I told XXXX first of all I was not expecting and phone call from Chase bank nor the fraud department. Second, when I went to the bank in person to do this transaction no one told me I should expect the fraud department calling me to varify this transaction again before it will go through. Also I told her since the fraud department left me a message why didn't they wait for me to respond before they went ahead to cancel the transaction. It's not I didn't call back in days or weeks, I called back less than XXXX hours. 
I can not just sit by my phone and wait for the phone calls from Chase bank. I have to work and I couldn't answer phone while at work. It is ridiculous that they just made the decision on their own without give me a chance to call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
b'Security Freeze Request\n\nDear \n\nI, XXXX XXXX XXXX XXXX writing to formally request a security freeze on my credit file maintained by your agency .This request is intended to protect my personal information and prevent unauthorized use of my data  for fraudulent activities.XXXX XXXX XXXX XXXX Fl XXXX \XXXX XXXX XXXX  \nSSNXXXX XXXX XXXX XXXX Fl XXXX XXXXkindly ask that you send me written confirmation once the freeze has been placed, along with instructions on how to temporarily lift permanently remove the freeze in the future.\nThank you !\nSincerely,XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
b'Security Freeze Request\n\nDear \n\nI, XXXX XXXX XXXX XXXX writing to formally request a security freeze on my credit file maintained by your agency .This request is intended to protect my personal information and prevent unauthorized use of my data  for fraudulent activities.\XXXXXXXX XXXX XXXX XXXX  Fl XXXX \XXXX XXXX XXXX \nSSNXXXXXXXX XXXXXXXX XXXXXXXX XXXX Fl XXXX XXXXIkindly ask that you send me written confirmation once the freeze has been placed, along with instructions on how to temporarily lift permanently remove the freeze in the future.\nThank you !\nSincerely,\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 explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
This agency is violating your consumer rights by using false, misleading, misrepresentation, and deceptive means. I've made previous attempts to fix these issues directly with them, but instead, they are FURTHER hurting my score and updating false information to keep this account on LONGER than 7 years by continuing to update the last activity date. This company is violating my rights, and I'm entitled to {$1000.00} for every violation I listed. They either pay me or delete this from my account IMMEDIATELY.

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 2025-05-28 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Unauthorized inquiries on my Equifax credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I left my position at USAA on XX/XX/year>. Unfortunately, I had no choice but to resign after missing a significant number of consecutive workdays. Continuing employment at USAA was no longer compatible with maintaining a stable and healthy lifestyle. The job demands, particularly the extreme requirements placed on employees to serve consumers, were overwhelming. Additionally, the internal systems used to conduct business were inefficient and frustrating. Combined with my ongoing mental and physical health conditions, and the challenges of managing life during a difficult transition, it became too much to bear. 

Amid this chaos, my credit card was stolen. I use the term " stolen '' intentionally, as my vehicle was left unlocked and unattended ( wihthout knowing due to recent events ) during travel to XXXX XXXX  between XX/XX/XXXX and XX/XX/year>, when I was en route to visit family. From XX/XX/XXXX through XX/XX/year>, thousands of dollars in unauthorized charges were made, yet I, as the cardholder, was never contacted or questioned regarding a single transaction. It is deeply troubling that such a longstanding financial institution would allow so many transactions to occur in such a short timeframe without any review by its fraud department. 

While I understand that, as a consumer, it is my responsibility to monitor my account which I did and took action to stop the fraud it is also the banks responsibility to safeguard its customers. Having worked at USAA, I witnessed firsthand the shortcomings in fraud prevention. Now, as a customer, I have experienced them directly. This experience reinforces why I could no longer remain employed there. Day after day, I took calls from frustrated and distressed customers, many of whom were victims of fraud. On the credit card side, where the money is essentially borrowed, such issues might be slightly more tolerable. However, on the debit side where fraudulent activity directly affects a customers checking account the level of negligence I observed on a daily basis was unacceptable and deeply concerning.

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 2025-05-28 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: TX

Complaint narrative:
I submitted a formal request under Section 605C of the Fair Credit Reporting Act ( FCRA ) to have adverse items removed from my credit report due to their connection to my experience as a survivor of human trafficking. Along with my submission, I included a professionally written and signed self-attestationpermitted by lawalong with corroborating documentation such as : IC3 ( Internet Crime Complaint Center ) case filing Confirmation of contact with the XXXX XXXX XXXX Trafficking Hotline A professional attestation as a licensed clinical social worker A full identification of the negative items associated with trafficking Government-issued ID and utility bill for identity and address verification IRS 501 ( c ) ( 3 ) determination letter for my organization Additional case correspondence and filings with the Texas Attorney General and CFPB Despite complying with the documentation requirements under the FCRA and 12 C.F.R . 1022.142, I received a response indicating that additional documentation was required. This response was inconsistent with the statute, which permits a signed self-attestation co-signed or submitted by a qualified professional or XXXX with relevant authoritycriteria I met and documented. 

I am now resubmitting to fulfill the request, but I believe the initial denial reflects a misunderstanding or misapplication of the legal standards under 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
Consumer complaint received 2025-05-28 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: FL

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Equifax, This is a formal notice regarding your failure to comply with my block and delete request under 15 USC 1681c2. The fraudulent accounts listed in my dispute remain on my credit report despite the four-business-day requirement mandated by law. 

If the fraudulent information is not removed immediately, I will escalate this matter to legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: ZuntaFi Corp
State: CA

Complaint narrative:
I was XXXX  and just returned to the XXXX. 
This loan was opened without my knowledge or consent. Please remove from all credit buraus and my credit report immediately and permanently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: B9, Inc.
State: RI

Complaint narrative:
I provided charges from XX/XX/XXXX to XX/XX/year> all corispond with cash back rewards and refused to provide cash back rewards. Email documentation of back and forth conversation and photos have been saved for further investigation. Company is 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 explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/year>, I sent {$450.00} via XXXX XXXX to an XXXX account claiming to be a dog breeder. The next day, they asked for an additional {$250.00} for travel costs, which I also sent totaling {$700.00}. They shared fake flight details and never delivered the puppy. I later discovered the photos they used were stolen I contacted the real owner of the dog, who confirmed their images were being used in a widespread scam. I filed a detailed dispute with Chime, including all receipts, screenshots, and evidence. Despite this, Chime denied my claim without addressing the proof I submitted. 

Additional Documents Uploaded : Screenshots include full conversation with scammer, XXXX XXXX receipts, fake flight info, and proof the real dog owner confirmed her photos were stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-05-28 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: TX

Complaint narrative:
I pulled my credit report and I observed some unfamiliar inquiries and accounts. Then after checking, I observed my information was leaked in a data breach.

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 2025-05-28 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: TX

Complaint narrative:
I pulled my credit report and I observed some unfamiliar inquiries and accounts. Then after checking, I observed my information was leaked in a data breach.

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 2025-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Today, XX/XX/XXXX, I formally disputed an unauthorized charge to my Capital One credit card in the amount of {$460.00} by XXXX. This charge was improper, as I'd canceled my XXXX subscription approximately two years prior and, as a further protective measure, had requested and received confirmation from Capital One that a merchant block had been placed on XXXX to prevent any future charges. 

Despite submitting a detailed, three-page dispute outlining the history and providing supporting documentation, Capital One rendered a final decision to deny my claim within four minutes of its submission. The decision letter was dated XX/XX/XXXX but transmitted to me on XXXX XXXX inconsistency that suggests the outcome may have been predetermined, rather than based on a thorough review of the materials provided. 

Upon contacting Capital One to request an explanation, I was informed there was no record of the merchant block. I advised the representative to reference the recorded call from XXXX, during which a Capital One agent confirmed the merchant block had been applied. I also directed them to the documentation included with my dispute, which demonstrated that XXXX had previously attempted and failed to charge my accountfurther evidencing the existence and efficacy of the block. 

Capital One declined to review either the call recording or the documents, asserting instead that there was no record of the block. When I inquired about the basis for their denial, I was told that the dispute lacked required documentationdocuments that were not listed as requirements in their provided instructions. I complied fully and in good faith with the stated procedures for submitting a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: MI

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my credit report, as provided by your agency. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i ( a ) ( 1 ), which requires your agency to conduct a reasonable reinvestigation of disputed items, 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which obligates you to provide me with a written description of the procedure used to determine the accuracy and completeness of the information after a reinvestigation, and 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which governs the reinsertion of previously deleted information XX/XX/year> XXXX XXXX XXXX reported to Experian an account balance of {$1600.00} in collections with their agency.

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 2025-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was overseas and I just returned to XXXX XXXX 
Someone got this XXXX under my name. Please remove from my credit report immediately and permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: EQUIFAX, INC.
State: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX  XXXX BALANCE {$0.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX BALANCED {$12.00} XXXX OF XXXX XXXX BALANCED {$23000.00} late payment of XXXX and XXXX  days XXXX XXXX XXXXXXXX XXXX BALANCED {$4600.00} late payment of XXXX and XXXX days XXXX XXXX XXXX XXXXXXXX BALANCED {$13000.00} late payment of XXXX and XXXX  days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> ''

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