vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/year>, I applied for and was approved for the XXXX XXXX XXXX credit card under the promotion : XXXX free nights after spending {$3000.00} within XXXX  months, plus XXXX points after an additional {$3000.00} in spending. 

Prior to applying, I contacted Chase to ask about the 5 free nights offer, as I had seen it in the past. A representative informed me that this promotion had ended a long time ago and was unlikely to return. Based on this information, I proceeded with the application. 

However, less than a month later, Chase and XXXX reinstated the XXXX free nights promotion. Had I been provided accurate information, I would have waited for the better offer instead of applying under less favorable terms. This situation has created unfairness for consumers, particularly when representatives provide misleading or incorrect information that influences financial decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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:
To whom it may concern, I respectfully express my concern over the violation of my consumer rights through the dissemination of inaccurate information. Equitable treatment and adherence to accuracy and compliance responsibilities are my rightful expectations.

Please provide all available details on their shortcomings.

Negative information, regardless of certification, is intolerable. The factual truth regarding your company 's operations and the data pertaining to my credit profile is of utmost significance. The lack of accuracy in the credit report I
received is surprising, given the expected adherence to the FCRA and relevant Metro 2 data field formatting standards. I challenge you to create a verified, complete, and truthful document that presents evidence for each claim. Any
deviation from these standards, as highlighted in the XXXX XXXXXXXX, jeopardizes data integrity, posing a serious issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 a personal credit card account opened at XXXX XXXX under the account number XXXX, a lease account at XXXX under the account number XXXX, a phone account at XXXX under the account number XXXX, a medical debt account at XXXX XXXX under the account number XXXX, a credit card account at XXXX XXXX under the account number XXXX, a collection account at XXXX XXXX under the account number XXXX, and XXXX, a credit card account at XXXX XXXX under the account number XXXX, an auto account at XXXX under the account number XXXX, a loan account at XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 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 2025-06-11 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:
XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 and the rest follows as paragraph XXXX  - XXXX * * - XXXX - XXXX * * * * - XXXX  XXXX - XXXX * * * * - XXXX - XXXX * * * * - XXXX XXXX XXXX - XXXX * * - XXXX XXXX  XXXX - XXXX * * - XXXX - XXXX * * - XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-11 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: College Ave Student Loan Servicing, LLC
State: WA

Complaint narrative:
What happened? 
On XX/XX/year>, a hard inquiry from College Ave / XXXXXXXX XXXX was added to my credit report. I am formally stating that I did not authorize or initiate this inquiry and have no prior relationship with College Ave or XXXX regarding student loans or any credit-based application. 

I have never applied for a student loan through this company, nor did I permit any third party to do so on my behalf. This activity is tied to a broader pattern of identity theft, in which someone used my personal information to fraudulently apply for credit in my name without my consent. 

According to the Fair Credit Reporting Act ( FCRA ) Section 604, any hard inquiry must be made only with the consumers explicit authorization. This inquiry violates that protection. I have filed identity theft reports and complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) and am in the process of pursuing further escalation through the Office of the Comptroller of the Currency ( OCC ) if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have submitted disputes to Equifax in an effort to correct inaccurate and outdated information appearing on my credit report. Despite clearly identifying the issues and supplying proper documentation, Equifax has either failed to respond within the required timeframe or closed the disputes without fully investigating them. 

This lack of proper action violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies investigate and correct or delete any inaccurate or unverifiable information. The presence of these errors has negatively impacted my credit profile and caused unnecessary hardship. 

I am requesting that Equifax conduct a lawful and complete reinvestigation and permanently delete the inaccurate and unverifiable accounts from my report. Ive included supporting documents to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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:
To date, neither the credit reporting agencies, the data furnishers, nor the originating creditors have provided any sufficient documentation to prove that the reporting of these accounts is lawful, accurate, or authorized. No contract, original source records, or permissible purpose disclosures have been produced. 
As such, under the doctrine of estoppel by silenceas upheld in Engelhardt v. Gravens ( Mo ) 281 S.W. 715, 719your failure to respond with legally sufficient evidence constitutes a legal presumption that no such proof exists, and therefore no lawful basis for reporting remains.

Accordingly, these accounts must be removed immediately and permanently from 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 explanation
Consumer complaint received 2025-06-11 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: FL

Complaint narrative:
To date, neither the credit reporting agencies, the data furnishers, nor the originating creditors have provided any sufficient documentation to prove that the reporting of these accounts is lawful, accurate, or authorized. No contract, original source records, or permissible purpose disclosures have been produced. 
As such, under the doctrine of estoppel by silenceas upheld in Engelhardt v. Gravens ( Mo ) 281 S.W. 715, 719your failure to respond with legally sufficient evidence constitutes a legal presumption that no such proof exists, and therefore no lawful basis for reporting remains.

Accordingly, these accounts must be removed immediately and permanently from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: NV

Complaint narrative:
As a consumer whose rights are safeguarded under both federal and state law, I am making a formal request for the prompt removal and suppression of all fraudulent and incorrect inquiries appearing on my credit reports. Should this issue remain unresolved, I will have no choice but to take legal action to enforce my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ

Complaint narrative:
Hello my name is XXXX XXXX I recent made a complaint about an auto that was purchased through XXXX XXXX I wanted to inform you that the car that they put into my hands and I came out to getting information to now I know why the auto that they pretty much force me to buy that's how I felt because I didnt know anything on financings vehicle not educated at all. It was strange because the car was very filthy and had tough stains that I couldn't get out myself. Because I did put work into it to cleaning it. The vehicle they sold was they had to get rid of it ASAP because of the fact they repossessed that vehicle themselves from a lady name XXXX XXXX XXXX. Her prior plate number was XXXX. HER PURCHASED WAS FROM XXXX XXXX ON XXXX THEY REPOSSESSED IT ON XXXX. NOW IF THAT WAS THE PURPOSE HERE THEN THAT WOULD BE WE BE TAKING OVER HER LEASE AGREEMENT CUZ SHE CANT PAY IT. WE NEVER WERE TOLD THAT. THE CAR WAS SOLD TO HER FOR XXXX AND THEY SOLD IT TO US FOR XXXX AND I DIDNT WANT THIS CAR. IT MAKES SENSE TO WHY THE CAR WAS BREAKING DOWN SO MUCH CUZ THEY NEVER PUT THE TIME. TO CLEAN IT OR TO MAINTAIN IT. THEY NEVER GAVE US THE WARRANTY THAT WAS DISCUSSED. XXXX TO XXXX IS VERY LITTLE TIME. I HAD THE CAR DIAGNOSE THROUGH XXXX THERE OFFER WAS VERY LOW DUE TO ALL OF THE BAD REVIEWS IT HAD IN THE PAST AND WE WERE NEVER GIVEN THE OPPORTUNITY TO BE ABLE TO GET THE CAR HISTORY REPORT OR NEVER INFORMED OF ONE UNTIL MY LAWYER TOLD ME ABOUT THIS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: TX

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least XXXX  days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-11 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:
XXXX XXXX XXXX XXXXXX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 XXXXXXXX and the rest follows as paragraph XXXX XXXX XXXX XXXXXX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I recently began making my transactions with Cash App backed by XXXX and the debit card backed by XXXX XXXX. In fact, I even started putting my employment direct deposit in the trust of this application. I recently noticed unauthorized transactions on my account when I was trying to track missing funds. I made the dispute on these multiple unauthorized international transactions to illegal overseas gambling sites. I also found these transaction backed up on my email spam folder as receipts. 
While a dispute is considered a valid function according to the Cash App chat rep, as soon as I made these disputes Cash App not only disabled my debit card, which is fine, but they made me ineligible for any new debit cards which made my direct deposit scheduled the next day to not be applied in lost in limbo. So aside from allowing unauthorized transactions in the amount of 20 to 25 different ones to these overseas gaming sites they make sure I was not able to get my funds from my employment direct deposit. Even though theyre supposed to be an investigation starting on the transactions that I disputed, when I was on the chat, the representative mistakenly revealed that the decision was already made, that my transactions were not in error and then I would be getting the information in 45 days. They did back practice said there was not a decision on that and they were referring to my debit card privileges being lifted. Furthermore, they said that they are not under the rules of regulation E sent me consumer protection. I did have them into their company thats included also in the screenshot. My complaint to be clear is that they allowed 25 or more different unauthorized transactions, most of which are international transactions for small amounts of money that equal around a couple thousand dollars. I explained to them that I have an idea of who did this as it was my ex-girlfriend who would take my phone without my permission usually when my XXXX  was using it to watch his XXXX  programs. Im ultimately estranged from her and have been for a while for her, trying to steal money because she has a gambling and drinking problem Even though she went to rehab rehabilitation for it. I still only talk to her regarding visitation with our XXXX  who is XXXX years old. I have most mostly biometric safeguards on my accounts and passwords, but she is savvy and may have gotten into it again. Im even willing to press charges and try to but the sheriffs department said they need some proof before they can make any kind of arrest. If cash app is arbitrary rolling against me just because I had to call to dispute these charges. Im not going to be able to press charges without any kind of proof and I also would hate to think that Im not going to get any of my funds back and then Im going to be considered 100 % liable for their allowing all these unauthorized transactions against my funds.

Company response to consumer: Closed with explanation