vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Self Financial Inc.
State: CA

Complaint narrative:
I made a self credit builder account I chose to do a secured loan where I pay the loan and when finish paying the amount, that full amount gets deposited to you and it builds credit. So I did a XXXX dollar loan finished paying my loan on XX/XX/XXXX, its been over XXXX days and I havent received my funds, they also blocked my self account so I cant log in to see my payout. Called them and they didnt have an explanation for the blocking of my account they also said I would revive my payout on XX/XX/XXXX and never received it. They even sent me information I had to verify and I did/ had direct deposit set. So there should be no excuse on late payout, And also even after pressing unblock on the screen shot I sent I wouldnt let me because they blocked me on there system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 
"

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 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank ( JPMorgan Chase ) I am submitting this complaint regarding Chase Banks handling of unauthorized credit card charges totaling {$3800.00}, which occurred on XX/XX/year>. 

My credit card was compromised, and these charges were not authorized by me. I reported the fraudulent activity to Chase promptly after discovering the charges. 

Chase opened a fraud investigation on XX/XX/XXXX but closed the case without reimbursing me on XX/XX/XXXX. I contacted Chase and requested the case be reopened on XX/XX/XXXX. The case was reopened and then closed again without reimbursement on XX/XX/XXXX. 

At no point did Chase provide sufficient explanation or evidence that these charges were authorized by me. The charges were made by merchants I do not recognize and for transactions I did not approve. 

I have now filed a police report documenting the unauthorized charges and am requesting that Chase conduct a proper fraud appeal review consistent with my rights under the Fair Credit Billing Act.

I am requesting that Chase : 1. Reimburse the full {$3800.00} in unauthorized charges 2. Conduct a good-faith fraud appeal review 3. Provide written explanation of any determination I believe Chase has failed to adequately investigate this matter and has improperly denied reimbursement for unauthorized credit card fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CO

Complaint narrative:
Back in XXXX I was a victim of a scam. Once I found out is was a scam I informed the bank and took took them in all documents. I filled out their fraud documentation that was requested. no loss to the bank or myself in this process. I received a letter that the case was resolved however two weeks ago my accounts have been frozen due to an investigation to close acct was given to me for the reason. There is no loss to them and they are holding my funds. I have attempted several times to go to the local branch to get my accounts closed and they say there is nothing they can do.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am the victim of identity theft. My consumer credit file contains multiple accounts that I did not open, did not authorize, did not benefit from, and have no legal or factual connection to whatsoever. These accounts are the direct result of criminal identity theft and fraud. 

I timely submitted an FTC Identity Theft Report along with supporting documentation clearly establishing that these accounts are fraudulent. Despite receiving legally sufficient proof, you failed to conduct a lawful, reasonable, and good-faith investigation as required under the Fair Credit Reporting Act ( FCRA ), and you failed to delete the fraudulent tradelines within the mandatory statutory timeframe. 

Your continued reporting of this false and damaging information constitutes willful non-compliance with the FCRA. Once an account is identified as the result of identity theft and supported by an FTC Identity Theft Report, the law is unequivocal : the information must be blocked and removed. There is no discretion, no delay, and no justification for continued reporting. 

Your actions and omissions have caused substantial financial harm, reputational damage, denial of credit opportunities, emotional distress, and ongoing risk of further injury. This is not a clerical oversight. It is a pattern of unlawful reporting and a failure to follow federal law. 

This notice serves as formal documentation that you are now fully aware of the identity theft, the fraudulent nature of the accounts, and your ongoing violations.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within four ( 4 ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : NAME / ACCOUNT NUMBEXXXX XXXX XXXX XXXX XXXX XXXXXXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported.

I have contacted Experian multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. 
These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing these accounts 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 2025-12-29 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: NY

Complaint narrative:
I am disputing the following accounts on my TransUnion report, as they are inaccurately reported : Charged Off : XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$8200.00} Late Payments : XXXX XXXX XXXX, Account Number : 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 2025-12-29 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: NC

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : [ No charged-off accounts listed ] Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: MOHELA
State: MO

Complaint narrative:
I am a cosigner on a private student loan ( Loan XXXX, current balance {$19000.00} ) originally serviced by XXXX and later transferred to MOHELA. Under XXXX, I reliably received email notifications to XXXX whenever a payment was late. These notifications stopped after the transfer to MOHELA. 

MOHELAs letter dated XX/XX/XXXX, admits that they sent me no correspondence from XX/XX/XXXX, onward because they changed my status to secondary cosigner without my knowledge or consent when the other borrower enrolled in Auto Pay. They claim secondary cosigners do not receive notices. They also used an invalid mailing address for any correspondence and did not use my known email address. 

I received only one delinquency notice in XX/XX/XXXX and nothing further until one day before the loan defaulted in XX/XX/XXXX. Because I divide my time between the XXXX and XXXX, email is my primary and preferred method of communication, and physical mail to a US address is unreliable. 

Due to the lack of timely notifications, I was unable to intervene, and the default was reported to the credit bureaus, dropping my credit score from approximately XXXX to XXXX. My credit score had consistently been in the upper XXXX to XXXX for many years prior to this incident. The primary borrower is XXXX and unresponsive, making proper notifications to me as cosigner even more critical. 

MOHELAs actionschanging my cosigner status without consent, failing to notify me, using an invalid address, and ignoring my email preferenceprevented me from protecting my credit and constitute violations of the Truth in Lending Act, Fair Credit Reporting Act, and Missouri consumer protection laws.

I previously contacted MOHELA to report the lack of notification and request credit correction. They provided the XX/XX/XXXX letter explaining their policy but refused to remove the accurate but unfair default reporting or offer any relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: FL

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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: VA

Complaint narrative:
I dispute the following accounts on my TransUnion credit report. Please review and correct any inaccuracies or incomplete data related to the listed accounts. 

Charged Off Accounts : XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$270.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$250.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$100.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$220.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} Inquiries : XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX  Account Number : 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 2025-12-29 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Im submitting a complaint against Equifax, Experian and Transunion for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the fair credit reporting act ( FCRA ) despite providing the necessary documentation to prove the inaccuracies, Equifax, Experian and Transunion has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report 915u.s.c 1681 ) and conducting a proper reinvestigation to remove the errors within the required 30 day period

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony Home. send message to my phone saying there was a balance XXXX from XXXX XXXX the purchase was made on XX/XX/year> and the person that's used the account was making payments from a bank that's not mine .I think that the Department from Synchrony fraud that handles payments should ask for more informaton

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ). Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required und

er 15 U.S. Code 1681b. I demand that the following items be deleted immediately fro
m 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 2025-12-29 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: TX

Complaint narrative:
I am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

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 2025-12-29 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: CA

Complaint narrative:
I am disputing a late payment on my consumer report that is incorrect. The account has never been late, and the creditor provided no proof. This item must be corrected to paid as agreed and never late. This account was reported without my written consent, constitutes identity theft, and violates 15 U.S.C. 1681b ( permissible purpose ). Under 15 U.S.C. 1681e ( b ) and 1681i ( a ) ( 5 ), you are required to ensure accuracy and promptly delete or correct unverifiable information. I demand that this item be corrected or removed immediately. Continued failure to comply may result in legal action for damages.

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 2025-12-29 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: Credit Control, LLC
State: NJ

Complaint narrative:
I was a victim of fraud after the nationwide leak of millions of social security numbers and I seen numerous accounts and inquiries on my credit report. I spoke to all the companies but they did not remove the accounts and they didnt stop calling me even after I provided proof that it had nothing to do with me. I just want the accounts off of 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 2025-12-29 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: TX

Complaint narrative:
I am filing this complaint because [ XXXX / Equifax / XXXX ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulSessa v. XXXX  XXXX ( XXXX XXXX. XXXX ) confirmed all objectively verifiable inaccuracies must be corrected ; XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) held no entity is immune from FCRA liability ; and XXXX XXXX XXXX  XXXX ( XXXX. XXXX XXXX ) resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : CHARGE OFF : XXXX 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 INQ : EQ : XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief