vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Reporting under FCRA Dear Sir or Madam, I am writing to formally dispute the accuracy and completeness of information appearing on my credit report. The account in question is listed as : XXXX : American Profit Recovery Balance : {$210.00} Reported Date : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX to be a student loan ) Upon review, I found multiple violations of the Fair Credit Reporting Act ( FCRA ) : 1. Failure to Report Accurate and Complete Information ( FCRA 623 ( a ) ( 1 ) ( A ) ) : The account omits required details such as the date of first delinquency, payment history, credit limit, monthly payment, and amount past due. This creates an incomplete and misleading representation of the account.

2. Duty to Report the Date of First Delinquency ( FCRA 623 ( a ) ( 5 ) ) : The Date of First Delinquency ( DOFD ) is not reported. This is required to ensure the account does not remain on my credit report longer than 7 years.

3. Reporting Information Without Proper Verification ( FCRA 623 ( a ) ( 1 ) ( B ) ) : If the furnisher can not provide verified documentation proving the debts validity and legal transfer of ownership, it must be deleted. 
4. Obligation of Consumer Reporting Agencies to Assure Maximum Possible Accuracy ( FCRA 607 ( b ) ) : The incomplete and inconsistent reporting fails to meet this standard. 

Because this account is incomplete, unverifiable, and misleading, I demand its immediate deletion from my credit file with your bureau. 

Please conduct a reinvestigation of this item as required under FCRA 611 ( 15 U.S.C. 1681i ) and provide me with the results within 30 days. If the furnisher can not produce complete, accurate, and verifiable documentation, the account must be deleted.

Sincerely, To whom this may concern

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: AR

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 : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$550.00} 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 explanation
Consumer complaint received 2025-09-14 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: Block, Inc.
State: NC

Complaint narrative:
Cash app tells you that when you are scammed by someone else or another company, they will investigate it and if you have proof of it, theyll reimburse you your money. This is a lie. On more than one occasion I have had to deal with them, not overturning a fraudulent charge to my cash app account. When you have an iPhone, you can either download money to your phone as like a prepaid gift card for any purchases that you may make that way you dont have to worry about them messing with your accounts of your other cards. I just recently downloaded {$30.00} to my phones. Neither XXXX XXXX or Cash app will refund me either the XXXX or refund me the {$30.00}. Ive had an issue with them allowing a person to scam me out of {$28.00}. They also allowed XXXX to take over {$150.00} out of my account with my card locked. XXXX did this at XXXX in the morning. I guess they did not think that I would catch it because I shouldnt have been asleep at that time but I was I was awake. I called it right away requested refunds on everything that they had charged me for they made it look like they had refunded me the money, but they had a line drawn through the refund that they had sent me. It clearly states that if a line is through the amount, it is not refunded cash app said no its been refunded, but I was never refunded that money you have to be very careful because cash app will take your money very quickly and not give it back and will not help you to get your money back that is owed back to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I had cancel with XXXX XXXX XXXX and went with XXXX, XXXX XXXX refunded my money, Have not heard from XXXX XXXX except from Collection company, I do not owe XXXX XXXX any money, since I was refunded and rightfully so cancelled thier policy in a timely manner and received a refund.I want the negative collection off my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Re : XXXX Report Date : XX/XX/XXXX | Name on file : XXXX XXXX XXXX | Current Address shown : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Issues/Demands/Citations : Same as EX # 1 ( FCRA 607 ( b ) /611 ; Metro 2 Base Segment fields XXXX MOV ; late months XX/XX/XXXX XX/XX/XXXX ; XXXX ; escalation ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transfer Coding/Status yaml Copy code TU Last Reported : XX/XX/XXXX | Comments : Transferred to another lender Problem : Status/transfer coding must show closedXXXX at transferor with XXXX in XXXX XXXX ; ensure Payment History/Profile frozen at transfer.

Law/Metro 2 : As in EX # 3.

Demand : Correct or delete ; MOV + ledger ; dispute all late months XX/XX/XXXX XX/XX/XXXX ; XXXX ; escalation language. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Synchronize Terms/Status/Reporting Dates XXXX XXXX XXXX XXXX shows : Open ; Terms XXXX ; Balance {$270000.00} ; Last Reported XX/XX/XXXX Concern : Cross-bureau inconsistencies ( EQ shows Paid ) create material inaccuracy in the ecosystem. Ensure TUs record reflects uniform terms/status/date coding vis -- vis the servicers Metro 2 file. 
FCRA/Metro 2 : 607 ( b ) ; 611 ; Field 17 Account Status ; Field 22 Terms Duration ; Field 40 Date of Account Info. 
Demand : Re-investigate with the furnisher for uniformity across CRAs or note consumer disputes accuracy and suppress until harmonized ; MOV, ledger, dispute XX/XX/XXXX XX/XX/XXXX, XXXX, escalation. 
XXXX ) Inquiries XXXXXXXX XXXX variants ( Use same structure as XXXX XXXX XXXX tailored to TUs XX/XX/XXXX and XX/XX/XXXX entries. Include XXXX permissible purpose request and standardization demand. )

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 2025-09-14 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: TN

Complaint narrative:
I constantly check my credit report and noticed that the errors and false misleading information for individual account didnt quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of the item below. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00}

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 2025-09-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/XXXX I became a victim of ransomware while I was reconciling my Chase accounts. Chase was involved and issued closed my old accounts and issued new accounts and notify SS for change of account for automatic deposit. I took my computer to XXXX XXXX XXXX to have them check there were no lingering security problems. Reported the incident to XXXX Police Department they submitted a report, I then submitted an Interne Crime Complaint IC3 and then report the same to my credit card companies who closed the old accounts and new account numbers and cards. Then began the arduous of changing all passwords, user names for any institutions I do business with I used for insurance etc and supplied new account numbers to each. 

That being said, I when to pay bills around the XXXX of the month and later received an email that my accounts had been restricted and the accounts would be closed evidently XXXX  XXXX XXXX XXXX had requested to payments be returned to them that was unsolicited on my part because had made the two transfer of funds each for {$2500.00} XX/XX/XXXX and one on XX/XX/XXXX. 

I called the XXXX XXXX woman and asked why she had recalled the transfers in my XXXX account that I had in fact made these transfers and she was instrumental in having my accounts restricted. That the monies I had transfered had already gone into XXXX to pay the ransom. I called the VPof operations on Friday XX/XX/XXXX she satated she would send another email to Chase regarding the situation. I have not received a copy of same to this point. 

Risk Management and the VP of operations sent a letter to me which I immediately took to Chase on XX/XX/XXXX. I went back into Chase on the XXXX and talked to the branch manager and stated that I had a partial settlement from XXXX XXXX  and would he cash the check since it was on there bank and my accounts still remainded closed he did. He stated that he would work with Chase Fraud Department on XX/XX/XXXX but had not as of XXXX on Friday. At which point I found that they had refused my rent payment, my XXXX payment and a check to an upholsterer who I paid to quote a repair on my couch. Not to mention they will not accept my Social autopay and I have several others bills I must pay before the XXXX of the month. They are putting my supplemental health policy at risk, my credit rating at risk and they have {$84000.00} of my money. 

I am one of many victims of fraud but, now I'm being victimized by a bank that was also one of the many banks that were bailed out in XXXXThis was through no fault of my own ( other than stupidity ) but, an arbitrary decision of a Risk Mangement person and an overzealous fraud department that did not have the facts at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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 am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX -Balance {$3100.00} -Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX -Balance {$1100.00} -Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX -Balance {$2700.00} -Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance XXXX XXXXXXXX Opened XX/XX/XXXXXXXX XXXX XXXX XXXX -Balance {$1300.00} -Date Opened XX/XX/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 2025-09-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
By default, my loan takes any additional payments and rolls my payment due date forward, however upon request, I am entitled to have additional payments be applied entirely to principle. I have made 3 additional payments this year and each time requested that it be applied to principle. The customer service rep essentially denies that this can be done, however when I finally got to a manager who reviewed my loan documents, she agreed with me, but didnt know how to do it and would get back to me. She did not get back to me and now I can not seem to get back to a manager. Happy to provide the loan documents upon request.

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 2025-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
NCB Management is charging {$20000.00}. I don't know this company. I never got a loan from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: TX

Complaint narrative:
I Just received an updated copy of my credit report through myFICO and XXXX  which was provided by Equifax and the company has still Failed to update my credit report. After stating that they have made the correction. This has been an ongoing process and no true update since the complaint. Per my review of the credit report XXXX and XXXX XXXX are still showing as two different Institutions which makes my UTILIZATION high and incorrect. 
XXXX and XXXX XXXX are the same and I only have one Loan please have someone manually review this error as it is hurting my credit with the incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: KS

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : 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 Equifax 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 account is a personal credit card account opened at XXXX XXXX, XXXX on XX/XX/XXXX under the account number XXXX. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned accounts are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer credit account is the result of identity theft and fraud. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Equifax credit reporting agency block all of the accounts identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Incorrect security number incorrect address incorrect I reached out several times no one reached back to me in regarding this matter I need my credit to be updated or deleted from my file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: CO

Complaint narrative:
I took a loan from One Main lenders. They first gave me and told me that my XXXX was XXXX  %. But then on the next page they raised up to approximately XXXX % On top of that I'm on XXXX and was on XXXX when I took the loan, which I mentioned. So I thought it would be naturally to take out the XXXX insurance. Whch they agreed. We'll they never mentioned to me that I was not allowed to take out XXXX insurance because I had pre existing mental illness already. So they penalized or chsrged me an extra {$1000.00} plus on my loan. Then I used my collateral, which my XXXX  XXXX XXXX. In which they took {$7500.00} for my car, which I have paperwork that said after the sale of my car in which One Main settled for {$7500.00}, My loan was down too {$2500.00}. But then the next month they charging me over {$7000.00} by saying I had 60 days to pay the {$2000.00} off. Never mentioned anything about this to me just when it was too late. 
So between increasing my APR going from XXXX  % to later in the contract jumping it up to XXXX %. Then selling my collateral just forv them to decline my collateral ans keep up at {$7000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I took some courses from XXXX XXXX and I was told it would only take XXXX Hrs. per week. The courses were way more than XXXX hrs. per week if you actually wanted to learn the material. i was told if I stopped taking the classes at a certain point i would not be charged. Now they are messing up my credit. Please help. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: KS

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : 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 Equifax 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 account is a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned accounts are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer credit account is the result of identity theft and fraud. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Equifax credit reporting agency block all of the accounts identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX.

Company response to consumer: Closed with explanation