vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I had an account in XXXX at SECU. At the time I was self-employed, I was in sales and marketing. I had a regular customer who spent at least {$250.00} every week with me on either products, or other products that I had for sale from my partners business. She always used her partners debit card to pay for what she bought. One morning I got up and saw all these notifications on my phone that this payment and the other including my vehicle insurance, product orders, phone bill and a couple other misc things like XXXX XXXX etc. had declined due to insufficient funds. I immediately checked my accounts and the one at SECU was the most missing out of and over drawn at that. So, I start calling and trying to figure it out. I ended up having to go to the branch and talk with someone which did absolutely no good whatsoever because they informed me that multiple charges had been disputed and that I would just have to either pay the money to get my account back in the positive or close the account out. I wasnt happy about this at all so I went home and grabbed up my invoice folder and brought it back to the branch with me im hopes that this would make a difference. No the lady said the decision was made that the charges were incurred fraudulently and our decision is out decision. I wasnt happy about devastated. Here I was with every single invoice that this lady had signed to pay for the things she bought but even that was no good to them. Now, over {$1000.00} in the hole im left to pick up the pieces of this lie that was placed on me. The lady had gone back over a period of 6 months and disputed every charge for {$250.00} sometimes {$300.00} a week and she still had the products and merchandise that she was given in exchange for her payments each time. My insurance was about to lapse, my phone was about to be shut off and all because this greedy lady whos husband either didnt know she was using the money like she said he did or he was going along with her. Ill never know the truth but either way the bank kept their decision which ended up costing me XXXX what I would normally pay for my bills due to late charges, extra charges due to payment arrangements, and over draft charges. The bank was no help and they sided with the bad guys. I dont have the paperwork still to give you dates and amounts but Im glad to provide anything necessary to help solve this issue. I was unaware that I had the option to fikr a complaint here if I would have done so well before now. If theres any way that you can help me with this? .. please contact me and tell me what you can use that I might still have

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf.

This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding JPMCB CARDs failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with, XXXX and XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. JPMCB CARD has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. JPMCB CARD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 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 2025-09-24 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: VA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-09-25 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: CA

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 2025-09-24 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Inaccurate information is being reported or misused that I did not approve of. To include names that are on these accounts are not mine. Unauthorized access to my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
My car was on Auto pay and I dont have any late payment and they never notified me that that another payment was needed and it reported as a charge off so I would like to mark the payment as posive on my credit instead of negative thank you for your help with this situation

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 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: CA

Complaint narrative:
I chatted with XXXX ID # XXXX who said she was unable to offer any financial hardship assistance on her end so she transferred me to XXXX in XXXX  from Discover Credit Card. All they could say was I hope there is a way you can pay minimum so you can avoid late fees. That is horrible how can they say that they have no help available to someone whos sick and going on leave from work!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: NJ

Complaint narrative:
I am submitting this complaint because multiple inaccurate items are being reported on my credit file. These include wrong addresses, charge-offs, late payments, and unauthorized inquiries. These entries are false, unverifiable, and in violation of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. I have been financially harmed, denied credit, and subjected to reputational damage because of these inaccuracies. 
XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Wrong Address reporting this address is inaccurate and does not belong to me it violates FCRA 607 ( b ) which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy, I have never lived or received mail at this location yet it continues to show as part of my credit file causing confusion and misrepresentation XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address this address is completely unrelated to me and must be deleted, reporting such information is reckless and creates the appearance of fraud or identity theft, the bureaus are required under FCRA XXXX to investigate and remove unverifiable information XXXX XXXX XXXXXXXX Open Date XX/XX/year> High Credit {$0.00} Late Payment this account is showing late payments that are false and misleading, I have requested validation but none has been provided, the creditor and bureaus are required under FCRA 623 to report complete and accurate information, knowingly reporting false lates is a violation of consumer protection law and must be corrected immediately, this inaccuracy is preventing me from rebuilding positive credit history Resolution Requested : Immediate removal of all wrong addresses. 
Deletion of unverified charge-offs and late payments. 
Deletion of unauthorized hard inquiries. 
Written confirmation of corrective action. 
If these errors are not corrected within the required time under FCRA 611, I will pursue further remedies including private legal action for damages under FCRA 616 and 617.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NY

Complaint narrative:
On XX/XX/XXXX, I was contacted by an individual going by the name of XXXX XXXX on a dating app who quickly moved our conversation to text message. She immediately presented a 'sugar mama ' arrangement and asked about my debts. 

After I mentioned a credit card balance, she provided fraudulent banking information to make a fake payment to my card. She then sent me a fake check for {$2500.00}, which I deposited. Throughout this, she used intense 'love bombing ' ( constant flattery and declarations of love ) to build false trust. 

XXXX days later ( XX/XX/XXXX ), she asked for my advice on employee gifts and then instructed me to purchase XXXX {$200.00} XXXX gift cards. When I questioned this, she became hostile and used guilt, referencing the fake financial help she had provided. Under this pressure, I attempted to purchase the cards at several retailers. 

Ultimately on XX/XX/XXXX, I successfully bought XXXX {$200.00} gift cards from XXXX. Immediately after I provided the codes, the scammer demanded more cards. At this point I tried calling her at which she started guilt tripping me again I asked her for a photo of herself like I did at the beginning of our conversations, but she said after I buy her XXXX gift cards. I then realized it was a scam and ceased all communication. 

The {$2500.00} check was fraudulent and reversed by my bank. The payment to my Discover card was also reversed. I am now left with the {$400.00} charge for the gift cards, which were purchased under false pretenses and duress. 

I have reported this to XXXX ( case opened ) and Discover. However, Discover has denied my claim, stating only that I 'authorized " the transaction, while ignoring the criminal fraud and psychological manipulation that led to that authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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:
See the attached documents. 

This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

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 2025-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
Made a new cash app account And I cant remember my old account email or password or phone number and plus I lost that phone so I cant get into

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: KS

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I called Experian on XX/XX/year>, on or around XXXX p.m. XXXX. I was on a long excessive hold. Around XXXX p.m. XXXX, the call went silent. My phone was connected but no one was talking. This is a system issue or call avoidance and is inappropriate. 
Experian has excessive hold times and too many calls that disconnect. This causes an undue delay. I need to file a dispute for a fraudulent inquiry and I'm not allowed to dispute online, FORCING me to call. I've complained about Experian 's excessive hold times on innumerable occasions and Experian has not rectified this issue. In addition, Experian does not have a call back feature, when they knew and should have known they have excessive hold times. XXXX  has a call back option. XXXX  has shorter hold times. Therefore, XXXX is better. If XXXX can solve this issue, why not Experian? Experian intentionally makes it difficult to get to an agent by phone. Please ameliorate your IVR and long hold times forthwith.

cc : 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 2025-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: MA

Complaint narrative:
I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt.

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : * Original Credit Agreement ( the contract I allegedly signed, if applicable ) * Full Itemized Statement ( showing how the balance was calculated ) * Forward Flow Agreement ( proving debt transfer from original creditor ) * Chain of Title / Assignment Documents ( showing legal transfer of ownership ) * Complete Payment History Records ( verifying payments or delinquencies ) * Validation Notice ( per FDCPA 1692g ) * Notice of Default / Intent to Collect ( as required by law ) * Proof of Statute of Limitations ( confirming debt is legally collectible ) * Credit Reporting Agreement ( authorizing reporting to bureaus ) * Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable.

Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX confirm that unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I requested an explanation about the missing funds and submitted a declaration form to report a fraudulently cashed check. I was told the funds would be returned after investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are late payment entries on my credit report that I believe are incorrect. According to 15 USC 1681e ( b ) and 15 USC 1681i, my credit report must include only information that is accurate, complete, and verifiable. I am requesting a verification of these entries, and if they can not be verified, they should be corrected or deleted.

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 2025-09-24 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: MI

Complaint narrative:
My information has been exposed to the Equifax data breach. There has been several debt collectors contacting me and harassing me. FCRA 605B states that this information should be BLOCKED while the FTC investigates.

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