vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received a reply from the company on XX/XX/XXXX, and the company said that they would mail me a check for {$2000.00} on XX/XX/XXXX. I did not receive the company 's check for {$2000.00} in XXXX. I called the company on XX/XX/XXXX, and the company said that they would contact the branch to confirm my information and mail me the check. On XX/XX/XXXX, I contacted the branch and submitted a statement stating that I did not receive the check and confirmed my identity information and address. The branch contacted the company, and the company said that I would receive the check in one or two weeks. I waited for half a month, but I did not receive the check. On XX/XX/XXXX, I called the company, and they said that the check was approved and I would receive it in one or two weeks. I waited for half a month, but I still did not receive it. The company only talked but did not do anything, and has been perfunctory to me. I have waited for more than three months, and every time I called, they said that they would mail it to me, but I still did not receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: NC

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Experian block information appearing on my credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts that were opened or made without my consent. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX - Opened XX/XX/XXXX With a balance of {$25000.00} Account number : XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of {$100.00} Account number : XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of {$100.00} Account number : XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of {$22.00} Account number : XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of {$10000.00} Account number : XXXX XXXX XXXX- Opened XX/XX/XXXX With a balance of $ XXXXAccount number : XXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of {$440.00} Account number : XXXX XXXX XXXX  - Opened XX/XX/XXXX With a balance of {$310.00} Account number : XXXX XXXX XXXX - Opened XXXX With abalance of {$1600.00} Account number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of $ XXXXAccount number : XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of {$6900.00} Account number : XXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of {$350.00} Account number : XXXX XXXX XXXX XXXX  XXXX - Opened XX/XX/XXXX With a balance of {$390.00} Account number : XXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of {$0.00} Account XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # # as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer loans, and 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 2025-04-06 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: WA

Complaint narrative:
To Whom It May Concern, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am submitting a formal dispute regarding late payment entries reported within the past two years on my credit file. These late payments resulted from unauthorized interference with my financial accounts due to a cybersecurity breach on my mobile device. As they are not a reflection of my financial behavior, I am requesting their immediate removal.

Issue Summary : I unknowingly downloaded a VPN application on my mobile device. This VPN, intended for privacy protection, contained security vulnerabilities that allowed unauthorized users to access my device. As a result : 1. Unknown third parties gained access to my financial login credentials.

2. My automatic payment settings were altered without my knowledge.

3. This interference led to the late payments that are now inaccurately reflected on my credit report.

FCRA & Federal Violations Committed : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or unverifiable data. Since these late payments resulted from unauthorized external interference, they are inaccurate and must be removed immediately.

Additionally, under FCRA 1681i, I have the right to dispute any information that can not be fully substantiated. The late payments in question do not meet verification requirements due to the nature of the incident. Furthermore, the Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693g ( a ) states that consumers can not be held liable for unauthorized electronic transactions. Since my account settings were tampered with, these late payments were not my responsibility and should not be attributed to me.

Requested Resolution : I am requesting the following actions : 1. Immediate removal of all late payments from the past two years that were impacted by this unauthorized interference.

2. A written confirmation verifying that these late payments have been removed.

3. A compliance review to ensure that my account information is reported accurately in accordance with federal regulations.

If action is not taken to resolve this matter, I will have no choice but to pursue small claims court proceedings to ensure that my rights under FCRA and EFTA are upheld. However, I trust that in good faith, you will follow the law regardless, and I hope this will be resolved amicably. Please confirm resolution of this dispute at your earliest convenience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : DEPTEDXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/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 2025-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>, Bank of America closed my checking account without warning or explanationone day before my {$13000.00} paycheck was deposited. The account also held a pending {$42000.00} tax refund and a {$6000.00} balance. I have been a client for 11 years, a XXXX XXXX XXXX, and a XXXX in good standing with a XXXX and XXXX XXXX 

I was told I must wait 10 business days for a check and am fully locked out of online banking. I can not access account statements or transaction history. 

I am currently under court order to make spousal support, legal, and mortgage payments due to an ongoing divorce. Because of this closure, I have been unable to comply, missed my mortgage, and now face legal action by my spouses attorney for noncompliancepurely due to Bank of Americas actions.

Im requesting : Immediate release of funds Temporary access to account history A written explanation of the closure Assurance that no negative reports have been filed with 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 monetary relief
Consumer complaint received 2025-04-06 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: 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, CHALLENGEDORNOT.

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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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: Advantage Plus Credit Reporting, Inc.
State: FL

Complaint narrative:
ADVANTAGE PLUS XXXX XXXXXXXX on XX/XX/year>2025 and XX/XX/year>2025 1 hard inquiry on XXXX  and 2 hard inquiries on my account without my permission fraudulent activities on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: AL

Complaint narrative:
I am filing a complaint against Equifax for publishing altered and misleading credit information. 

A collection account from XXXX XXXX, reported by XXXX XXXX XXXX originally showed a Date of First Delinquency ( DOFD ) of XX/XX/XXXXXXXX  on my Equifax credit report dated XX/XX/XXXX. 

After I filed a dispute with both Equifax and the collection agency, I checked my updated Equifax report on XX/XX/XXXX, and found the DOFD had been completely removed. 

This removal appears to be an unlawful attempt to re-age the account, extending the time it stays on my report a violation of FCRA Section 605 ( c ) and Section 623 ( a ) ( 5 ). 

I have attached documentation showing both the original report and the altered version. Equifax is responsible for publishing accurate and verifiable information and should not allow altered or re-aged data to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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 21 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 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 2025-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: LA

Complaint narrative:
My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA, and your responsibility is to safeguard my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student debt in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: IL

Complaint narrative:
FCRA Violations Inaccurate Credit Reporting, Charge-Off Misrepresentation, and Continued Collection Efforts Complaint Body : I am submitting this complaint to report numerous violations of the Fair Credit Reporting Act ( FCRA ) by the three major credit reporting agencies Equifax, Experian, and TransUnion along with furnishers who provided inaccurate data.

After reviewing my credit reports, I have identified at least 20 violations, including : Violations by Account Creditor/Account Violation ( XXXX ) Reported By XXXX XXXX XXXX XXXX XXXX Charged-off account still reporting a balance and listed as open. Violates 607 ( b ), 623 ( a ) ( 1 ) ( A ). Equifax, Experian, TransUnion XXXX XXXX XXXX XXXX XXXX Account reported as charged-off but collections continue. Duplicate balances across bureaus. Experian, TransUnion XXXX XXXX XXXX XXXX XXXX XXXX balances and statuses across reports. Experian shows {$0.00} balance, TransUnion shows {$700.00}. Experian, XXXX XXXX XXXX XXXX XXXX Bank Account appears twice under different account numbers and dates. Violates 607 ( b ), 611 ( a ) ( 5 ). Equifax, TransUnion XXXX XXXX XXXX Account over XXXX XXXX XXXX still being reported. Violates XXXX ( a ). XXXX XXXX XXXX XXXX XXXX XXXX original creditor listed. Account unverifiable. Violates 609 ( a ) ( XXXX ). Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account not updated to reflect dispute. Ongoing collection attempts despite dispute. XXXX XXXX XXXX XXXX XXXX XXXX account shows as both paid and unpaid across reports. Violates 607 ( b ). TransUnion, Experian Violated FCRA Sections : 607 ( b ) Failure to ensure maximum accuracy 623 ( a ) ( 1 ) ( A ) Furnishing false or inaccurate information 605 ( a ) Reporting obsolete derogatory information 609 ( a ) ( 1 ) Failure to provide full account details 611 ( a ) Inadequate handling of disputes 611 ( a ) ( 5 ) Retention of unverifiable or duplicate entries Damages Calculation : Total Violations Identified : 20 Statutory Damages : 20 {$1000.00} = {$20000.00} Interest ( 6 % 2 years ) : {$2400.00} Total Compensation Sought : {$22000.00} I

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: IL

Complaint narrative:
FCRA Violations Inaccurate Credit Reporting, Charge-Off Misrepresentation, and Continued Collection Efforts Complaint Body : I am submitting this complaint to report numerous violations of the Fair Credit Reporting Act ( FCRA ) by the three major credit reporting agencies Equifax, Experian, and TransUnion along with furnishers who provided inaccurate data.

After reviewing my credit reports, I have identified at least 20 violations, including : Violations by Account Creditor/Account Violation ( XXXX ) Reported By XXXX XXXX XXXX XXXX XXXX Charged-off account still reporting a balance and listed as open. Violates 607 ( b ), 623 ( a ) ( 1 ) ( A ). Equifax, Experian, TransUnion XXXX XXXX XXXX XXXX XXXX Account reported as charged-off but collections continue. Duplicate balances across bureaus. Experian, TransUnion XXXX XXXX XXXX XXXX XXXX XXXX balances and statuses across reports. Experian shows {$0.00} balance, TransUnion shows {$700.00}. Experian, XXXX XXXX XXXX XXXX XXXX Bank Account appears twice under different account numbers and dates. Violates 607 ( b ), 611 ( a ) ( 5 ). Equifax, TransUnion XXXX XXXX XXXX Account over XXXX XXXX XXXX still being reported. Violates XXXX ( a ). XXXX XXXX XXXX XXXX XXXX XXXX original creditor listed. Account unverifiable. Violates 609 ( a ) ( XXXX ). Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account not updated to reflect dispute. Ongoing collection attempts despite dispute. XXXX XXXX XXXX XXXX XXXX XXXX account shows as both paid and unpaid across reports. Violates 607 ( b ). TransUnion, Experian Violated FCRA Sections : 607 ( b ) Failure to ensure maximum accuracy 623 ( a ) ( 1 ) ( A ) Furnishing false or inaccurate information 605 ( a ) Reporting obsolete derogatory information 609 ( a ) ( 1 ) Failure to provide full account details 611 ( a ) Inadequate handling of disputes 611 ( a ) ( 5 ) Retention of unverifiable or duplicate entries Damages Calculation : Total Violations Identified : 20 Statutory Damages : 20 {$1000.00} = {$20000.00} Interest ( 6 % 2 years ) : {$2400.00} Total Compensation Sought : {$22000.00} I

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 2025-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: AR

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, CHALLENGEDORNOT.

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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them.

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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them.

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