vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I placed a {$22000.00} check ( written from my Chase checking account ) into a sealed, stamped and addressed envelope and placed it into a mail slot at a US Post Office in XXXX XXXX. 

On XX/XX/year>, I was in XXXX when I received a voicemail from someone in the Fraud Department from XXXX  XXXX XXXX regarding said check. They left a message with no return number. Upon listening to voicemail, I logged onto my Chase mobile app and saw that said check had cleared from my account and was written out to someone other than payee I had written check out to. I immediately sent an email to my money manager at XXXX XXXX and I called my private banker at Chase and reported the stolen check. My checking account was closed and I was issued a new checking account. I was told the check would be traced. 

On XX/XX/year>, I received a call from someone on my private banking team at Chase. She said that she was following up on an email which she said she sent on XX/XX/year> which I did not receive. This was an email which required important follow up action by me in order to recover the funds. I was livid that it took five calendar days before I was contacted as a follow up for an email which I never received in the first place. Action should have been immediate. Nothing had been done in terms of recovering my stolen funds. 

NOTHING HAD BEEN DONE TO FURTHER ACTION TO RECOVER FUNDS LOST.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
I asked them to document my concerns about being misled into signing the loan, but they did not offer any information or assistance. They just told me I was fully responsible for the loan, despite the circumstances. I asked the lender to make a note on my account that I believe this loan was obtained through misrepresentation and fraud. I explained that I was told I was co-signing for a friend, but the dealership placed the full loan in my name without proper explanation. I didnt request a formal resolution yet because Im still trying to understand my legal options, but I made it clear this was not a loan I knowingly agreed to take on alone

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: OH

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The XXXX XXXX XXXX XXXX ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights 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 2025-07-29 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: CA

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable accounts on my credit report.

Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureau is required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable. 
Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 16XXXX ( b ). 
In light of the 2023 CFPB enforcement action ( CFPB & FTC v. TransUnion ), in which your agency was fined {$23.00} XXXX for systemic reporting failures, I hereby request that my dispute be handled with due diligence and in full compliance with federal law. 
I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. 

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 non-monetary relief
Consumer complaint received 2025-07-29 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: TX

Complaint narrative:
I should not be as auth signer on this account at all. It needs to be removed ASAP and off all XXXX credit reports. 

XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: TX

Complaint narrative:
I should not be as auth signer on this account at all. It needs to be removed ASAP and off all XXXX credit reports. 

XXXX XXXX XXXXXXXX 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 2025-07-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I didnt apply for anything they was unauthorized please delete please and thank you.

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 2025-07-29 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: GA

Complaint narrative:
I am submitting this complaint regarding these unauthorized third-party accounts that are currently being reported on my credit file : XXXX XXXX  XXXX, NJ XXXX XXXX XXXX XXXX, NJ XXXX I did not apply for or authorize these accounts, nor did I consent to any agreement, extension of credit, or permissible purpose to report these tradelines. 

These companies are not original creditors and have failed to provide a signed contract or chain of assignment proving ownership or authorization to report on my consumer report. This violates the Fair Credit Reporting Act ( FCRA ) 604, which restricts access and furnishing of credit information without a legally permissible purpose.

Additionally, per FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information must not report inaccurate or unverifiable data. Since no contract, billing history, or debt validation has been produced, this information is considered inaccurate and must be removed. 

I have attached a signed FTC Identity Theft Report affirming these accounts were opened and reported without my consent. I am requesting the immediate deletion of these unauthorized accounts from all credit bureaus. 

Failure to address and resolve this matter may result in further escalation to the FTC and state regulatoryauthorities.

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 2025-07-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
As of XX/XX/year>, this collection account was shared with my personal information through a third party Radius Global Solutions for the amount of {$2900.00}, that I did not authorize. Under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692c ( b ) ), a debt collector may not communicate with any third party regarding a consumers debt without the consumers direct consent or a court order. Sharing my personal debt information without authorization is a violation of this federal protection and must be remedied immediately.

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 2025-07-29 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: TX

Complaint narrative:
Please update the latepayment accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
I am filing a complaint against Halstead Financial Services for continuing to contact me via text message in an attempt to collect a debt, despite my prior request that they cease all text communications. I explicitly informed them that I do not consent to receiving texts. However, they have continued to contact me on XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. These repeated attempts are a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Telephone Consumer Protection Act ( TCPA ). I find this behavior harassing and intrusive. I request that the CFPB take appropriate action to ensure that Halstead Financial Services stops all unauthorized and unwanted communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am disputing multiple accounts across Experian, TransUnion, and Equifax that continue to report inaccurate, misleading, and unverifiable information, despite over XXXX months of formal disputes, documentation, and direct contact with each furnisher. I submitted proper documentation including FTC Identity Theft Affidavit, deletion request letters, and reinvestigation noticesyet the bureaus failed to conduct a reasonable, independent investigation as required under FCRA 1681i ( a ). 

Accounts include : 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 separate tradelines ) XXXXXXXX XXXX XXXX ( XXXX ) Each of these accounts contain XXXX or more of the following violations : Inaccurate balances and inflated charge-off amounts Re-aged Date of Last Activity in violation of FCRA 1681c ( a ) ( XXXX ) No XXXX tax form ever issued for supposed cancelled debts Inconsistent information across bureaus, violaXXXX XXXX  ( b ) Failure to mark the accounts as disputed, per 1681s-2 ( a ) ( XXXX ) Continued reporting of {$0.00} balance accounts as derogatory Duplicate reporting of the same XXXX  tradeline ( violation of XXXX XXXX and FCRA XXXX ( a ) XXXX XXXX ) ) XXXX was previously involved in litigation and agreed XXXX remove the tradelineyet it was reinserted without FCRA 611 ( a ) ( XXXX ) ( B ) notice I contacted each creditor individually. None were able to verify these debts with any original contracts, billing statements, accounting of charges, or chain of title, which are required under FDCPA 809 ( b ). Despite this, the bureaus continue to report these tradelines based solely on the furnishers word, without independent verification. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXXXXXX XXXX  XXXX ), and XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ), CRAs must do more than parrot back whatever the furnisher says. They must independently evaluate disputes. These agencies have not. Instead, they are rubber-stamping repeated violations, harming my creditworthiness, and exposing themselves to statutory damages under FCRA 616 and 617.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute an account that is being reported on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) pursuant to 15 U.S.C. 1681c-2. Therefore, I respectfully request that this information be blocked or deleted immediately. 

I am enclosing a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC REPORT NUMBER XXXX XXXXXXXX, as supporting evidence for my claim. 

According to 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are legally required to block any information identified by the consumer as resulting from such identity theft within XXXX ( XXXX ) business days. 

The following information in my credit file is the result of a clear FCRA violation and must be blocked immediately XXXX XXXX XXXX XXXXXXXX / Account Number XXXX XXXX XXXX XXXX XXXX XXXX  Additionally, 15 U.S.C. 1681b, which states that a credit reporting agency may not include information in a consumers file unless there is a valid authorization or permissible purpose. I never authorized the opening or reporting of this account, and there is no signed contract or consent from me that justifies its inclusion in my credit report. 

Therefore, the continued presence of this account constitutes not only a result of identity theft but also the unauthorized use and disclosure of my personal information, in direct violation of the FCRAs requirements. 

In accordance with 15 U.S.C. 1681c-2 and 1681b, I respectfully request that this account be blocked and deleted immediately from my credit report and that it no longer be reported in any manner. 

I have contacted TransUnion on multiple occasions to report this account, but I have yet to receive a clear or definitive resolution to this matter. This situation is causing me serious harm, as I am in the process of purchasing a new home for my children and seeking financial tools to support my economic growth. These negative accounts are blocking my opportunities and causing both personal and financial damage. 

Furthermore, this account has already been deleted by other credit bureaus, as they were unable to verify it under the procedures required by law. I do not understand why this agency continues to report this account on my credit file. 

I have also requested copies of any contracts related to this account from the company reporting it, and after more than XXXX days, I have not received a single response. This further supports the fact that there is no verifiable evidence or legal basis for continuing to report this information. 

I respectfully request that you assist me by removing this account immediately.

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 2025-07-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-07-29 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: CA

Complaint narrative:
See the attached documents.Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: NJ

Complaint narrative:
I am contacting you as a victim of the Data Breach. Since my information was compromised, I am invoking my rights under 15 USC 1681c-2 ( a ) to request that any fraudulent accounts associated with my identity be permanently blocked and deleted from my credit file.

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 2025-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: TX

Complaint narrative:
I have a cashapp with cashtag XXXX  XXXX past XXXX  months i been trying to gain access to my account they closed and due to that i can not get my {$80.00} off the account i made a new cashapp XXXX XXXX XXXX and i was denied access to it and bot allowed to ever have a cashapp even tho i did not do anything now im being told theirs nothing they can do and they will not give me my money i need my little daughters {$80.00} from her grand father. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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 have sent disputes to the credit bureaus ; equifax, experian, and transunion on XX/XX/XXXX, XXXX, and on XX/XX/XXXX. The credit bureaus have not properly investigated my disputes. The items remain with errors on my credit report. We have attached a 3 bureau credit report showing all of the errors. The errors are highlighted to show the discrepancies. Please assist me in having the credit bureaus update the errors in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent disputes to the credit bureaus ; equifax, experian, and transunion on XX/XX/XXXX, XXXX, and on XX/XX/XXXX. The credit bureaus have not properly investigated my disputes. The items remain with errors on my credit report. We have attached a 3 bureau credit report showing all of the errors. The errors are highlighted to show the discrepancies. Please assist me in having the credit bureaus update the errors in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: NJ

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: GA

Complaint narrative:
There is a charge-off listed on my credit report that is inaccurate, outdated, and incomplete. This error negatively affects my ability to obtain credit and does not reflect my true credit history. Under the Fair Credit Reporting Act ( FCRA ), the continued reporting of incorrect or outdated information violates the protections put in place to ensure fairness, accuracy, and privacy in credit reporting. Despite previous disputes and requests for verification, this charge-off remains on my report, and no meaningful investigation or correction has been provided. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$950.00}

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