vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 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: MO

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-10-28 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: AR

Complaint narrative:
I previously submitted a dispute regarding inaccurate late payment reporting on my credit report, specifically concerning my account with XXXX XXXX XXXX  ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$34.00}. Despite my consistent, timely payments, the account continues to reflect late payments, which are negatively affecting my credit profile. I have not received any verification, explanation, or written confirmation from the credit bureau regarding the reinvestigation or correction of this inaccurate information. This failure to address my dispute constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), including Sections 609, 611, and 623, which require that all information reported by furnishers be complete, accurate, and verifiable, and obligate consumer reporting agencies to investigate disputed information and correct inaccuracies.

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 2025-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
XX/XX/XXXX my car had been parked in a parking lot due to the head gasket. So I was having a tow company come and get it and coming to tow it and tow it to a mechanic shop to get a new engine put in it. In the meantime, the repossession company came and repoed my car. I called the mechanic shop thinking it was at the mechanic shop. Mechanic shop told me that they tow truck driver had sent pictures saying that my car wasn't there so I panicked immediately started calling everybody call the police and come to find out the finance company had repoed my car bar non-payment. They said it hadn't been paid since XXXX XXXX XXXX. Well I looked at all my bank statements. I knew I've been making the payments and all my payments have been made except for maybe and there was no reason to repossess my car for this so I faxed all my bank statements to the finance company. Santander and haven't heard nothing back from them. They told me they were going to get back to me. They have to look into it 24 hours. Haven't heard nothing back from them. I called to try to get my personal stuff out of the car. The repo company hung up on me and so I'm just lost for words on what to do now you have the evidence. I paid my payments. Give me my car back. What's the deal? Why is the repossession company hanging up on me? Why don't you guys have your ducks in a row? I mean I had all my proof. Why is this happening? Not only that, but you would think a finance company I would get a phone call a email. Something stating that my car has been making late payments for a year one year and I haven't got a phone call. No mail, nothing. You would think that they would contact me and let me know your payments aren't coming to us. Something's just not right. No one contact me. No letters, no phone calls, no nothing. They just come and take the car

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On Friday XX/XX/XXXX we were scammed out of XXXX dollars through a XXXX transaction the bank is refusing to even discuss it and immediately closed our dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OK

Complaint narrative:
There was a banner writhing the chime app itself that offered a XXXX promotion and I was hacked and money was transferred out of my account. They couldnt keep this from happening once it happened the XX/XX/XXXX time which caused me to close my account. Closing my account stopped my credit builder and hurt me in the long run because I didnt have the same perks because I had to switch banks. Ive been a decline with my credit and how I handle my bills since. I was rising in credit score while I was with them and with chime allowing a scam inside their app had hurt me tremendously

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: HI

Complaint narrative:
Harris & Harris , Ltd. attempted to collect and reported an alleged XXXX XXXX debt without ever sending me the required written validation notice. 

The company only sent a text message, not a written letter, then proceeded to report the account to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 

These actions violate : FDCPA 809 ( a ) ( b ) : continuing collection before providing validation ; FCRA 623 ( a ) ( 1 ) ( A ) : furnishing inaccurate or unverified information ; FDCPA 807 ( 8 ) : reporting unverified data to harm credit standing.

I am requesting immediate deletion of this unverified tradeline, written confirmation of compliance, and enforcement against Harris & Harris for unlawful furnishing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I did not give this this company consent to report my personal info on my consumer report, this is consider aggravated identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
On Friday XX/XX/XXXX, {$350.00} was sent to an unknown recipient from my Cash App. I did not authorize this transaction. I submitted a refund request with Cash App but havent heard anything from the company. I was also told by a representative to submit a refund request. It doesnt seem like anything is being done and my cash app account is now compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: CT

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

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 2025-10-28 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: FL

Complaint narrative:
I am submitting this 7th expedited follow-up complaint regarding an inaccurately reported late payment on a recently opened account. Despite prior disputes, the account continues to reflect late payments that do not accurately represent the payment history or terms at the time of account opening. I am requesting that the credit reporting agency conduct a thorough reinvestigation and update the account to reflect the correct status in compliance with the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3100.00} Under FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), I have the right to dispute information on my credit report that I believe is inaccurate or incomplete. The credit reporting agency is required to conduct a reasonable reinvestigation within 30 days and report the results back to me.

Furthermore, under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies are mandated to maintain reasonable procedures to ensure maximum accuracy of the information they report. The continued reporting of a late payment that does not reflect my actual payment history demonstrates failure to follow these accuracy procedures, thereby harming my credit profile.Additionally, FCRA 609 ( a ) ( 15 U.S.C. 1681g ) grants me the right to request disclosure of all information contained in my credit report, including sources of the disputed account, to verify the accuracy of the reporting.If the information is found to be inaccurate, under FCRA 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ), the credit reporting agency must promptly correct or delete the inaccurate information and provide me with a written confirmation along with an updated credit report reflecting the correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
I had a checking account with JP Chase bank in 2023 i had a good relationship with them my employer checks were deposited there in XX/XX/year> my significant other /child father completed his tax return and had it sent to my bank account because he did not have an checking acct i had no idea this was against their policy, the refund was for XXXX they allowed me to get all but approximately XXXX they have since froze the account and had my money ever since. We were told over the phone we had to do a verification of both parties we have tried to do it and still have not received funds. We even went down to a local branch to do in person verification we had XXXX forms of ID each and they still would not release funds. This caused us so much trouble they froze the account on a date that rent was due causing us to be late and almost evicted with a small child, we could not get groceries or gas. This has been a complete nightmare when all chase had to do was get verification from both parties to release the funds owed to us. Any help in this matter would be appreciated i feel like i have been robbed by a bank holding my money and i cant do anything about it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: MD

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXX/XX/XXXXXXXX XXXX, MD XXXX XX/XX/XXXXBalance {$1300.00}XX/XX/XXXXBalance {$0.00} XX/XX/XXXX Balance {$0.00}XX/XX/XXXXBalance {$400.00}XX/XX/XXXX Balance {$14000.00} XX/XX/XXXX Balance {$1000.00} Original Creditor XXXX BANK XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXX/XX/XXXXXXXX XXXX, MD XXXX XX/XX/XXXXBalance {$1300.00}XX/XX/XXXXBalance {$0.00} XX/XX/XXXX Balance {$0.00}XX/XX/XXXXBalance {$400.00}XX/XX/XXXX Balance {$14000.00} XX/XX/XXXX Balance {$1000.00} Original Creditor XXXX BANK XX/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 2025-10-28 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: NJ

Complaint narrative:
I am writing to formally dispute inaccurate and unauthorized information appearing on my Transunion credit file. Recently, it was reported that Transunion experienced a data breach, placing millions of consumers including myself at risk of identity theft and inaccurate reporting. Under the Fair Credit Reporting Act ( 15 U.S.C 1681i & 1681c-2 ), I am exercising my right to dispute any information that is inaccurate, unverifiable, or the result of potential identity theft due to the data breach. The following accounts & hard inquiries must be investigated and removed immediately from my credit report : - 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 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 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  These accounts & Hard Inquiries are not valid, may have been the result of unauthorized access, and can not be verified given Transunion 's admitted data breach. Any continued reporting of these items after this notice will constitute willful noncompliance with the FCRA and subject Transunion to liability. Therefore, I demand the immediate deletion of these negative accounts from my credit report within 4 business days, as allowed under federal law. Please send me written confirmation of the results of your reinvestigation.

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 2025-10-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
Companies :XX/XX/XXXXXXXX Bank XXXXXX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX 
Date ( XXXX ) : XX/XX/year> Issue : I was charged for a Fortiva financing account after purchasing a XXXX home security system. During the sale, I was never clearly told that a separate XX/XX/XXXX loan would be opened in my name through XX/XX/XXXX Bank XXXXXX/XX/XXXX. I believed all payments were being made directly to XXXX for their service and equipment. 

Later,XX/XX/XXXX transferred or sold the account to XXXX XXXX XXXX XXXX, who is now attempting to collect a balance of approximately {$2300.00}. I am disputing the debt and requested validation on XX/XX/year> after receiving aggressive collection calls. The representative immediately asked for card information and stated the debt would get legal if I didnt pay right away. 

I believe the financing agreement was not properly disclosed or authorized, and therefore the account may be invalid. I request : XXXX. A copy of the signed contract showing that I knowingly authorized this financing and understood I would owe a separate company. 
XXXX. A review of XXXX sales practices used to initiate this account. 
XXXX. A pause on all collection activity and credit reporting while the debt is under dispute. 

Resolution Sought : I am requesting that XX/XX/XXXX and XXXX XXXX remove any negative or derogatory marks on my credit reports resulting from this account. The account originated through deceptive or unclear sales practices by XXXX, and I was not properly informed that a separateXX/XX/XXXX financing agreement was being created. 

As a fair resolution, I am offering a {$150.00} lump-sum payment as full and final settlement of the alleged balance, contingent upon both companies deleting or correcting all related credit reporting and confirming the account as resolved with a XXXX balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-28 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: CO

Complaint narrative:
Experian verified a XXXX XXXX XXXX account that has already been proven fraudulent and unverifiable. XXXX was unable to validate ownership or provide documentation of the alleged XXXX XXXX debt. Despite prior CFPB complaints confirming XXXX ceased communication, Experian continues to report this account as accurate, violating FCRA 611 ( a ) for failing to conduct a reasonable reinvestigation and 623 ( a ) ( 1 ) ( A ) for reporting inaccurate information. XXXX XXXX XXXX  confirmed the account was closed as fraud and removed from all other credit bureaus. Due to the federal government shutdown, I am unable to file a formal FTC affidavit but maintain an active fraud victim alert on all bureaus.

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