vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
I deposited a mobile check in the amount of {$9300.00} on XX/XX/XXXX they advised the money would be released in different increments. The check is from carvana because I sold my car. They advised that same day that it would take longer but no specific reason. The check was deposited XX/XX/XXXX but funds put on hold until XX/XX/XXXX. Ive called them twice and get different stories with no resolution aside from they are investigating. Ive had the account since XXXX with no issues ever unless I deposit a check. This is an account I have my direct deposits go into. Never overdraft nothing. I asked them to contact XXXX XXXX to have the check verified as I need the funds to purchase a new car. They keep telling me they investigating. The check is legit. No one is helpful. They dont have a right to hold on to my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-04 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: NV

Complaint narrative:
On XX/XX/year>, I contacted a locksmith company called XXXX XXXX XXXX XXXX. Over the phone I was quoted {$65.00} for services. After the locksmith arrived, they charged my Chase debit card for {$160.00} instead, without disclosing or obtaining my consent for the higher charge. 

I immediately disputed the charge with Chase. Chase credited me back {$100.00} as a temporary refund while the dispute was under review. Later, after the locksmith contested, Chase reversed the refund and closed the case in the merchants favor. I contacted Chase again, but they refused to reopen my claim even though this is a clear case of fraudulent misrepresentation ( bait-and-switch pricing ). 

This decision by Chase has caused me financial hardship. The reversal posted right after I paid rent, which put my checking account into a negative balance. 

I am asking the CFPB to review Chases handling of this dispute. The transaction was fraudulent, and Chases refusal to reopen the case is unfair and leaves me without protection against deceptive business practices. I am requesting that Chase reinstate my refund and treat this as fraud, not a valid charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
Letter received for debt owed, XXXX XX/XX/XXXX. XXXX not known, not mine. Debt from XXXX. 
From Collection agency Gurstel law firm. for amount of XXXX? Not my debt. no proof. From XXXX furniture. Business closed no longer exist. Called XXXX furniture, closed no knowledge of any accounts with them. No Answer At Gurstel law firm. 
Threats to garish wages, Threats of legal action. for a debt i do not owe. lied that there was court proceeding, never notified of any court hearings? This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am submitting this complaint to dispute a fraudulent account currently appearing on my credit report. I did not open, authorize, or maintain this account. Its presence is false and is negatively affecting my creditworthiness.

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 2025-09-04 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: ND

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
LVNV funding is reporting an opened account dated XX/XX/year> in the amount of {$590.00} updating every month as an open account on all 3 credit bureaus in collections as a loan type Debt Buyer- confirming they did not have original documentation or the account is valid. They have not provided any documentation of an account signup, signed, e-signed, or they are the originator of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I looked at my XXXX XXXX XXXX TransUnion  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-04 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am the victim of identity theft. Experian deleted two fraudulent XXXX XXXX tradelines in XXXX but reinserted them, then failed to honor my 605B block request. 

Key dates XXXX XX/XX/XXXX Experian received my certified package ( USPS XXXX XXXX card attached ) containing : FTC Identity-Theft Reports # XXXX, # XXXX, # XXXX Local police report State ID & Social-Security card Written request to block all fraudulent accounts under 15 U.S.C. 1681c-2 ( FCRA 605B ) XXXX XX/XX/XXXX 4-business-day deadline to block ( 605B ( c ) ( 1 ) ) missed. 
XXXX XX/XX/XXXX 15-day deadline to answer my Method-of-Verification ( MOV ) request ( 611 ( a ) ( 7 ) ) missed. 

Accounts still reporting ( screenshots attached XXXX XX/XX/XXXX ) XXXX  XXXX acct XXXXXXXX XXXX XXXX XXXX XXXX balance {$1800.00}, charge-off, balance updated XX/XX/XXXX. 
XXXX  XXXX acct XXXXXXXX XXXX XXXX XXXX XXXX balance {$270.00}, charge-off, balance updated XX/XX/XXXX. 

Statutory violations 605B ( c ) ( 1 ) Experian failed to block within 4 business days.

611 ( a ) ( 5 ) ( B ) ( i ) ( iii ) Reinserted accounts without furnisher certification and without a complete 5-day notice.

611 ( a ) ( 7 ) No MOV response within 15 days.

Desired resolution Immediate and permanent 605B block of all XXXX XXXX tradelines and every account listed in my FTC reports.

Written confirmation that these tradelines are suppressed and can not be reinserted absent full 605B compliance.

I have provided all documents the FCRA requires. Experians continued reporting of these identity-theft accounts is harming me financially.

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 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: F.H. Cann & Associates, Inc.
State: NY

Complaint narrative:
I went into branch to first report debit card never received then I got it, and got charged for a unfamiliar debt, so I closed the account. I am not understanding why I got this. My only income is my ssi check I am XXXX and on public assistance. I believe this must be an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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 have been a Victim of identity theft in the past and there are Fraudulent accounts on my credit reports. XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # 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 2025-09-04 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: WI

Complaint narrative:
The continued reporting of inaccurate, unverified accounts, collections, and unauthorized inquiries constitutes willful noncompliance with the FCRA. Under FCRA 616 and 617 ( 15 U.S.C. 1681n, 1681o ), furnishers and credit reporting agencies may be held civilly liable for willful and negligent violations. Failure to correct these errors demonstrates disregard for federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
After reviewing my credit report, I noticed that there are several inaccuracies present. These Accounts are reporting fraudulent and need to be removed due to 15 U.S.C 1635, 15 U.S.C 1692G, 15 U.S.C 1681i ( a ) ( 6 ) ( A ), 15 U.S.C 1681e ( b ) and Unfair Acts or Practices Excessive and Unreasonable Reliance on a Furnishers ACDV. Please remove these accounts immediately.

Under Section 605 of the FCRA, credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy in the information provided. These errors demonstrate a failure to uphold this standard, which has resulted in the misrepresentation of my creditworthiness.

As a consumer, Section 609 of the FCRA provides me with the right to dispute any information I believe to be inaccurate. I am exercising this right with regard to the accounts listed above, and I am requesting immediate removal or correction of this information.

Section 611 states that upon receipt of a dispute, the credit reporting agency must initiate a prompt investigation into the disputed items. If the information can not be verified or is found to be inaccurate, the agency must correct or delete the information. I am requesting that an investigation be conducted for each of the accounts noted above, with a timely correction or deletion in accordance with FCRA guidelines.

Additionally, Section 623 obligates furnishers of information to delete or correct any false postings within 30 days of receiving notification of a dispute. I request a written response within 30 days to confirm that the erroneous accounts have been corrected or removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I am a victim of fraud and Wells Fargo whom I have been banking with for over 10 years refuses to give me my money back. On XX/XX/year> Someone called me impersonating them and already had my banking information, last four of my social, address and my personal loan information. This individual said that my account had charges made outside of MN and that wellsfargo was going to send me a new card. They had me link a card to my XXXX  and transfer funds. They got into my online banking and changed my information and took out XXXX. Wellsfargo claims that I helped them and refuses to give me my money. They also expect me to pay the balance on my credit card but how can I do that when I have no money? Wells fargo has a history of breaches and also has had a former employee steal people 's information. I believe that this individual works or worked for them and knew exactly what to say and what to do to steal money from people. This scam will continue and Wellsfargo does not care about their customers. They have the funds to give me and just wont. They are victim blaming a victim. This has caused significant distress as well financial strain. I also fully believe that had I been a XXXX XXXX they would have been more compassionate and offered resolution.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX XXXX XXXX - XXXXVERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court United States Bankruptcy Court Eastern District of Pennsylvania that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX XXXX XXXX - XXXXVERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court United States Bankruptcy Court Eastern District of Pennsylvania that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation