vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 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:
I recently pulled my credit report and noticed multiple fraudulent inquiries that I have no knowledge of. These inquiries need to be removed immediately. This is one of many attempts to remove these unauthorized inquiries. Please help me get these take care of immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Made deposit to my chase account XXXX XXXX and XXXX XXXX my account was restricted and later closed on the XXXX XXXX. I received a letter dated XXXX XXXX Statement Checking summary. I have been to the branch several times and have been calling customer service the response is under investigation upon a cash deposit I made. I was asked to provide a prove of where I withdrew the money which I submitted my XXXX XXXX account statement where I withdrew the {$5400.00} and I'm yet to receive my check?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: AZ

Complaint narrative:
I am formally challenging certain tradelines listed on my credit file that were not opened with my consent. Kindly perform a comprehensive review and remove them. Supporting materials have been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
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 have caused significant inconvenience and financial loss, and I seek appropriate redress. for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am filing this complaint against Experian for reporting inaccurate and misleading information on my Truist account.

Account Information : Creditor : Truist Account Type : Credit Card Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Credit Limit : {$500.00} Balance Owed : {$380.00} ( as of last report ) Issue : Experian is inaccurately reporting a 30-day late payment on this account in my payment history. Both XXXX XXXX XXXX  reflect that the account is current with on-time payments except for the disputed late entry. 
Specifically XXXX XXXX XXXX XXXX  show the account as Open and Current.

Experian shows a 30-day late payment in XXXX, which is not accurate. 


The account has been paid on time and should reflect positive payment history. 


This inaccurate reporting is damaging my credit profile and does not reflect the true status of my account.

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 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
XX/XX/XXXX : I received a text through a " Truist Protection Department '', saying someone allegedly tried to transfer money from my Truist account using " XXXX XXXX XXXX'. I was informed that an " agent '' would reach out shortly. 
I was then contacted by an Individual posing as FBI agent. He used the name XXXX XXXX XXXX and informed me that in addition to the XXXX XXXX attempt to transfer funds, that further fraudulant activity was involved with myTruist account. I was informed that a woman posing as me, must have used fake ID to withdraw an amount of {$14000.00} and XXXX XXXX further provided alleged desciption of person at local Trusit branch who made this transaction, using specific description of XXXX XXXX with ball cap and mask. XXXX XXXX went on to provide me with my name, address, account number, and specific amount in account held at Truist. 
He stated that my account had been locked and asked if I would help to see if there were an issue with the local Truist Branch. I was directed to go request an amount of {$14000.00} to see if funds would be released to me. He told me because my account was locked, they should not release the funds. However, they did without question. He had infromed me that this was the third incident in the last month at this branch that this had happended and that the branch was under investigation. When the funds were released, I was instructed to deposit into a XXXXXXXX XXXX at ATM in nearby branch which was backed by the FDIC. The agent said they would hold the money until after the investigation at which point the funds would be deposited back into my account. I have an email stating this confirmation. He said the investigation would conclude in 3-5 business days. 
XX/XX/XXXX : I called a number provided to me, and I received a message that the XXXXvoicemail had not been set up ', so I reached out suspected it was a scam and reported events to Truist fraud department.

I have voice recordings, texts, and phone numbers used to create the fruadulant activities. 
XX/XX/XXXX : Called back to provided 'Fraud line ' and informed XXXX XXXX was 'out of the office ' and that the representative was going to leave a message for him to call me. 
XX/XX/XXXX : Further discussed fruad with Truist Fraud Account Rep named XXXX who informed that formal investigation would occur. 
I received an affidavit and signed/notarized as instructed by Fraud deparment. 
XX/XX/XXXX : Received denial of claim XX/XX/XXXX : Called fraud department to discuss reasoning for denial of claim and Truist representatives recognized breech of personal information, but still not willing to reimburse the funds. 
XX/XX/XXXX Called local police to file police 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 explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: TX

Complaint narrative:
I have noticed that an erroneous public record/bankruptcy is still being reported on my credit file and has yet to be corrected. Given this matter, I am formally requesting that the documents I have provided be carefully reviewed so that this issue may be resolved in full, granting me the peace of mind I deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently discovered that an incorrect public record/bankruptcy is still reflected on my credit report despite my prior efforts to resolve it. Therefore, I respectfully request that the documentation I have attached be reviewed in detail to ensure this matter is conclusively resolved, bringing me long-overdue peace of mind.

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am filing this complaint against Equifax for reporting inaccurate and misleading information on my credit report regarding my XXXX account. 
Account Information : Creditor : XXXX  Account Type : Credit Card Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Credit Limit : {$500.00} Balance Owed : {$380.00} ( as of last report ) Issue : Equifax is inaccurately reporting a 30-day late payment on this account in my payment history. Both XXXX  and XXXX  reflect that the account is current with on-time payments except for the disputed late entry. 
Specifically : XXXX  and XXXX  show the account as Open and Current.

Equifax shows a 30-day late payment in XXXX, which is not accurate.

The account has been paid on time and should reflect positive payment history.

This inaccurate reporting is damaging my credit profile and does not reflect the true status of my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: CA

Complaint narrative:
The entry listed does not correspond with my payment history and appears incorrect. Please review and remove it from my record.

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account was charged off on the following dates. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX  XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX Balance : {$14000.00} XXXX XXXX XXXX  XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX Balance {$9500.00} XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XXXX Balance : {$11000.00} XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX Balance : {$6700.00} XXXX  XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX Balance : {$2500.00} XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened XXXX Balance : {$1300.00} XXXX  Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened 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 non-monetary relief
Consumer complaint received 2025-08-19 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-08-19 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: OK

Complaint narrative:
TransUnion Fraud Victim Assistance Department XXXX XXXX XXXX XXXXXXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
1. XXXX 2.XXXX XXXX  XXXX 3.XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) 4.XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) 5.XXXX  ( Original Creditor : XXXX XXXX  ) 6.XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) 7. XXXX XXXX/ 8. XXXX XXXX 9. XXXX XXXX 10. XXXX 11 . XXXX 12. XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.

Sincerely,

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 2025-08-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Deinde Online Services, LLC
State: FL

Complaint narrative:
I applied for a loan with integracredit based of a pre-screening letter which I got in the mail for up to XXXX. I visited website and registered and applied only to have an offer of XXXX which I accepted. The issue here is I was not able to see the installment schedule until after the loan was already signed had I known that I would be paying back {$3500.00} instead on XXXX with interest of course I would have never accepted the offer!! The APR IS ABSOLUTELY PREDATORY and doesnt make sense. Ive researched legal maximum APR LIMITS/Usury Laws for consumer installment loans based out of my state XXXX  and XXXX creditors state which is Utah. I would like company to redo my loan with correct legal APR rates that make sense to my loan. I got pre-screened for XXXX only able to use XXXX and have to repay back {$3500.00} dollars absolutely not!! Please help I dont not want hits on my credit file that Im so desperately trying to manage and upkeep!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: CA

Complaint narrative:
I am filing this complaint against Equifax for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX XXXX with 90 days late and XXXX XXXX XXXX with 30 days late. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Equifax, yet Equifax continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Equifax under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Equifax failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Equifaxs reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: SC

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-19 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My rights were violated as a consumer under 15 USC 1681B and I need them blocked and deleted from my report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite checking my credit report, I found that the inaccurate accounts are still present and have not been deleted. For this reason, I am asking that the supporting documents I provided be examined in detail to ensure this issue is resolved permanently.

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