vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year> I received an email notification that I had recieved a XXXX payment request and then a few moments later a new XXXX contact added. I logged into my Chase mobile app to see what was going on and saw that a XXXX payment was made in the amount of {$700.00}. I don't use XXXX and NEVER authorized the transaction. I immediately called Chase to report the fraud and to open a claim. I was told by the Chase rep that the transaction does look questionable, in that I don't use XXXX. The rep said that their fraud department was closed for the day and to call back on XX/XX/year> to put the claim through. On XX/XX/year> I called Chase again to open the fraud claim. After talking with that rep, who also said that the transaction is not ordinary, a claim was put in place for the {$700.00} transaction. The rep said that my online account was likely compromised and I then went through the steps of setting up a new username, password, new cards etc. The rep said that Chase will conduct an investigation and that I should expect the funds to be returned in up to 10 days. On XX/XX/year> I received a statement from Chase saying that they made a decision on the claim and that they concluded I did authorize the XXXX payment. All this still despite the fact that I don't use nor have XXXX. When I called back to the fraud department on XX/XX/year> ( the notification on the statement was received after business hours of the fraud department ) and asked for how they reached their conclusion they said that they matched the timing of the payment around the timing of me logging into my chase app. I did log in around that time but that was only because I had received XXXX emails alerts for XXXX activity through my Chase despite not using the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX 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 Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX 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 as proof from the XXXX 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 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 2025-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
EXPERIAN, XXXX XXXX XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX : XX/XX/year> -- -> XXXX -- -> : {$6600.00} I HAVE NO ACKNOWLEDGEMENT NOR CONSENT OF THESE UNAUTHORIZED, FRAUDULENT, AND INACCURATE 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 2025-10-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
This company XXXX XXXX bought an account from an original creditor ( XXXX ) and reported on my credit report that the account was opened in XXXX, but I never opened an account with this collection agency. The account reporting information is wrong and falsely stated as I dont recognize the account. I sent a letter to the collection agency and they have yet to respond and it has been over 45 days. I also made a FTC report in XXXX about the original creditor for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: VA

Complaint narrative:
XXXX XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
Regions bank XXXX to Reversed unauthorized charges without informing me making me XXXX overdrawn. I had many XXXX XXXX charges investigated and XXXX XXXX didnt send me anything to investigate, regions bank just reversed charges like it was nothing and didnt explain to me what they were. Its ludicrous. I dont care how they say they did. They didnt explain nor investigate thoroughly enough because I never transferred any money in that large of sums!

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 2025-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : AFFIRM INC : XX/XX/year> -- -> XXXX -- -> : {$6600.00} I HAVE NO ACKNOWLEDGEMENT NOR CONSENT OF THESE UNAUTHORIZED, FRAUDULENT, AND INACCURATE ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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 not associated with these creditors and did not authorize this inquiry. Kindly delete it from my report promptly.

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 2025-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have found collection accounts on my credit report that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to a credit report that reflects only accurate and verifiable information. I am requesting a review of these accounts, and if they can not be properly verified, they must be removed.

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 2025-10-02 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: FL

Complaint narrative:
PROVEN XXXX  FRAUD EQUIFAX REPEATEDLY MISREPRESENTS LEGALLY EXTINGUISHED ACCOUNT. 
I, XXXX XXXX XXXX, file a formal complaint against EQUIFAX INFORMATION SERVICES LLC and XXXX XXXX BANK ( XXXX ), XXXX. for multiple willful violations of the Fair Credit Reporting Act ( FCRA ). DOCUMENTED FRAUD TIMELINE : XXXX. XX/XX/XXXX Obtained notarized Satisfaction of Judgment ( Case # XXXX, XXXX XXXX XXXX XXXX, FL ) certifying FULL EXTINGUISHMENT of XXXX XXXXXXXX account # XXXX. 
XXXX. XX/XX/XXXX Equifax CONTINUED reporting false {$3400.00} balance ( XXXX  MONTHS post-judgment ). 
XXXX. XX/XX/XXXX Equifax internally corrected balance to {$0.00} ( implicitly acknowledging debt extinction ). 
XXXX. XX/XX/XXXX I submitted formal dispute with court documentation. 
XXXX. XX/XX/XXXX Equifax XXXX stated : " We verified that this account belongs to you. '' IRREFUTABLE CONTRADICTION : XX/XX/XXXX : Reporting {$3400.00} ( FRAUD ) XX/XX/XXXX : Balance {$0.00} ( TRUTH ) XX/XX/XXXX : Claims " Verified '' ( DELIBERATE FALSEHOOD ) WILLFUL FCRA VIOLATIONS : XXXX Grossly negligent investigation : Ignored court order for XXXX  months XXXX Fraudulent procedures : Automated " verification '' without reviewing evidence XXXX ( a ) Illegal re-aging of extinguished debt XXXX ( b ) XXXX XXXX XXXX failure to correct reported inaccuracies. 

DOCUMENTED HARM : Credit profile damaged by false derogatory information Lost credit opportunities due to inaccurate reporting Significant time and emotional distress correcting repeated errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I opened a savings account with Wells Fargo on XX/XX/XXXX. The add said they would pay 3.5 % interest per year. It was based on the average daily balance. They did not pay that. They paid 3.44 %. But they did not even pay that. My average daily balance from XXXX to XX/XX/XXXX was {$230000.00}. +. $ XXXX x 3.44 % is {$8100.00} per year. or {$22.00} per day. For 29 days should be $ XXXX. They paid me {$420.00}. When I called, they said it would take XXXX business days for them to respond. XXXX weeks to address a simple problem like this????? When I did get a call 2 days shy of the XXXX weeks, the person said that they had to pass this up to a higher level. And it would be another XXXX weeks. The next month from XX/XX/XXXX to XX/XX/XXXX my balance was $ XXXX +. X 3.44 % is {$7200.00}. or XXXX per day. For 32 days that should have been {$630.00}. They paid {$600.00}. 
After speaking to over XXXX people, I was told that only XXXX person could solve this was XXXX XXXX After numerous unreturned calls to her, I got an email on XX/XX/XXXX saying she needed more time. A XXXX XXXX XXXX child could solve this in XXXX minutes, but they need more than a month to solve it? I am sure if you look at this you will find numerous other accounts that are not being paid what was promised.

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 2025-10-02 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: HI

Complaint narrative:
Bank errors related to billing and reporting on this account are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required 21-day notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

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 2025-10-03 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: NJ

Complaint narrative:
I paid XXXX XXXX  a total of {$32000.00} for all XXXX " outstanding '' loans used for XXXX XXXX  and XXXXXXXX XXXX  XXXX. I have written to them, called them multiple times. Had credit bureaus investigate, and closed. Now I have CFPB involved, but yet the account continues to show unpaid balance. These checks were cashed by XXXX XXXX. yet not applied to balance that at this point should be {$0.00}. And loans were overpaid, therefore I am owed a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: MD

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRAUDULENT INQUIRIES : XXXX XXXXXXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-02 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-10-02 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: CA

Complaint narrative:
This is a formal complaint against the credit bureaus and furnishers under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. My consumer file contains multiple errors including wrong addresses, unauthorized inquiries, and a fraudulent collection account. These items are causing me serious financial harm, credit denials, and reputational damage. I request that the CFPB investigate and enforce immediate correction and deletion. 
XXXX XXXX XXXXXXXX XXXX, CA XXXX Wrong Address This address does not belong to me, I have never resided or conducted any business there. Reporting this as part of my credit file is a direct violation of FCRA 602 requiring fair and accurate reporting. This incorrect address associates me with unknown parties, creating risk of identity theft and fraudulent connections. 
XXXXXXXX XXXX XXXX XXXX, CA XXXX Wrong Address This is another completely false address. I never lived here, rented here, or applied for credit from this location. Its inclusion in my report is damaging my credibility and accuracy of my personal file. I demand immediate deletion under FCRA 611 ( a ) ( 5 ) since the bureau can not verify it. 
XXXX XXXX XXXX Inquiry, Date : XX/XX/XXXX I never authorized or applied for any auto loan through XXXX XXXX XXXX. This inquiry was done without my consent, which is a violation of FCRA 604 ( a ) ( 2 ). Hard inquiries without permissible purpose damage my XXXXt score and credibility, and I demand removal. 
XXXX XXXX XXXX, Date : XX/XX/XXXX This inquiry is fraudulent and without permissible purpose. I never authorized XXXX XXXX to pull my credit report. This must be deleted as it violates FCRA and causes me financial injury. 
XXXX XXXX, Date : XX/XX/XXXX I never applied for credit through XXXX at this XXXX XXXX This inquiry is unauthorized and unlawful. Keeping it on my report violates my rights and lowers my creditworthiness unfairly. 
Relief Requested 1. Immediate deletion of all wrong addresses listed above.

2. Immediate removal of the XXXX XXXX collection account ( XXXX ) due to lack of verification and contract. 
XXXX. Immediate removal of all unauthorized and fraudulent inquiries. 
XXXX. Enforcement of compliance with the FCRA and FDCPA, including fines or penalties against violators. 
Failure to correct these violations will leave me no choice but to pursue further action under FCRA 616 and 617, which allow for civil liability, damages, and attorneys fees.

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 2025-10-02 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: DE

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to request a thorough investigation into inaccuracies reported to consumer reporting agencies ( CRAs ) and the removal or correction of derogatory entries attributed to XXXX XXXX. 

A. Account and Inaccuracies Account identifier : XXXX Inaccuracies : The reporting includes derogatory marks and other entries that are not accurate. Specific issues include : An inaccurate XXXX late entry ( the dispute notes the payment history shows the account was not late as reported ). 
Scheduled payment inaccuracies : the timing or posting of scheduled payments is inconsistent with the contract/ledger. 
General date-related inaccuracies : incorrect payment dates, delinquency dates, open/closed status, or other dated entries. 

B. Remedy Sought XXXX ) Remove all inaccurate derogatory entries as reported to CRAs, or delete them if verification can not be provided. 
XXXX ) Upon completion of the investigation, provide verifiable evidence of delinquencies or confirm full deletion if not verifiable. 
XXXX ) Notify CRAs of the correction/deletion and ensure updated credit reports reflect the corrected data. 

XXXX Attachments Ledger or statements supporting the disputed items. 
Any additional documents demonstrating inaccuracies ( screenshots, communications, etc. ).

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 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
This card was obtained from someone using my personal information without my knowledge.

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