vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Complaint Title : Wrong item received ; merchant refusal to resolve ; credit card issuer failed to protect consumer Details : On XX/XX/year>, I purchased an XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$1500.00}, paid with my American Express card. 

The outer box arrived factory-sealed, but inside was not the correct product. Instead, I received a used laptop of a different brand, scratched and missing the charger and documentation. 

I immediately contacted XXXX to report the issue. XXXX created a XXXX return label and scheduled pickup at my address in XXXX XXXX XXXX XXXX never arrived, despite XXXX scheduled pickup attempts, all created through XXXX system. 

Because XXXX  never came, I could not complete the return within XXXX XXXX policy, even though I initiated the return immediately after delivery. 

XXXX refused to provide a refund because the return deadline passedeven though the failed pickup attempts were not my fault. 

I then disputed the charge with American Express, but XXXX appealed, and the bank sided with XXXX, even though I never received the product I paid for and attempted to return the incorrect item multiple times. 

I am requesting the CFPBs assistance. I am seeking a full refund for the item I never received. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Between XX/XX/XXXX and XX/XX/year>, multiple unauthorized transactions were made from my Chase account at the merchant XXXX. I did not authorize these deposits or logins. I discovered the activity through my bank account statements and emails from XXXX showing logins from unknown devices, IP addresses, and locations that I do not recognize. 

I reported the transactions to Chase on XX/XX/year>, and submitted supporting evidence, including screenshots of unauthorized logins. The bank initially closed the case without granting a provisional credit. I later provided additional critical evidence on XX/XX/year>, but the case remains closed, and I have not received a provisional credit. I am requesting a full review of this dispute and consideration for a provisional credit while the investigation is ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that

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 2025-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that

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 2025-11-21 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:
I am XXXX XXXX and I am officially contesting the incorrect details found in my credit file. As outlined under 15 U.S.C. 1681b and 15 U.S.C. 1681e, I never granted permission for my personal data to be shared or reported to the companies identified below. This action breaches my consumer right to privacy, as there is no lawful justification for reporting any information under my identity. Additionally, my credit report contains unauthorized inquiries that I did not approve or initiate, indicating potential identity theft. According to 18 U.S.C. 8, I do not have any outstanding obligations to these organizations, and I insist on the prompt elimination of the disputed items and inquiries to rectify my credit file. Kindly resolve this issue immediately and provide written confirmation once the contested entries have been removed from my record.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-21 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: DC

Complaint narrative:
This is a second and final notice. I'm reaching out again regarding fraudulent accounts and unauthorized inquiries being reported under my name. Let me be clear : I am the consumer, and I am writing this letter personally. There is no third party involved. So please do not send me another stall letter or generic response that approach is unacceptable and shows disregard for both federal law and consumer rights. 
This matter has already been raised and documented, yet these inaccurate and fraudulent entries remain on my credit file. This is not just a reporting error it's a serious identity theft issue, and your inaction is now bordering on willful non-compliance. 
Violations of Federal Law and Consumer Rights : 15 U.S.C. 1681b ( c ) Unauthorized Inquiries You are not allowed to furnish credit reports for transactions I didnt authorize. The inquiries listed below were not initiated by me and must be deleted.

15 U.S.C. 1681c2 Block of Information Resulting from Identity Theft You are required to block fraudulent information within XXXX business days of receiving proper documentation. Ive already provided you with everything necessary including my FTC Identity Theft Report, government-issued ID, Social Security card , and proof of address.

18 U.S.C. 1028A Aggravated Identity Theft Continued reporting of identity theft-related entries makes you complicit in the damage being done. If you fail to block this information, you allow criminal activity to persist and knowingly hurt my financial reputation.

15 U.S.C. 1681i ( a ) Failure to Reinvestigate If you do not reinvestigate or verify the entries within the time permitted by law, and can not produce legitimate records showing my authorization, you are obligated to permanently remove them. 
Fraudulent Accounts and Inquiries ( Previously Disputed ) : 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 2025-11-21 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: IL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX XXXX XXXX  TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/year>, a {$260.00} P2P payment was mistakenly sent via Cash App to the wrong individual. I promptly filed a dispute with Cash App under XXXX # XXXX and followed all necessary steps, including requesting escalation and asking for a clear timeframe or contact method for updates. Despite this, I was never informed when or how a response would come. The only communication sent by Cash App support went to my spam folder without any prior guidance, causing the case to be closed due to no response. 

When I discovered this, I immediately opened a new case ( # XXXX ), only to be denied again with a generic statement that the transaction originated from a device in my possession. However, I took all necessary steps to report the error and recover the funds in good faith. 

Most concerning is that the recipient did not immediately withdraw the funds. For several days, the {$260.00} sat unclaimed within their Cash App balance. Had Cash App intervened promptly, especially after my initial repor, t those funds could have potentially been frozen or flagged. Instead, due to a lack of timely action, the individual eventually deposited the money into their bank account, significantly reducing the chances of retrieval. I have screenshots showing both the balance before and after the transfer to their external account.

Despite repeated efforts, supporting documentation, and clear timelines, Cash App closed the case without resolution. Im seeking CFPB assistance to review this matter, urge Cash App to improve its dispute communication process, and hold them accountable for failing to act during a critical window that couldve made recovery possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
This serves as my formal notification contesting the referenced accounts. I have no association with them and did not authorize their existence. I request removal pending review. 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 2025-11-21 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:
I am filing a complaint concerning inaccurate charged off accounts and hard inquiries currently being reported by Experian. I believe these items are either unverifiable, outdated, or reported in violation of the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am disputing a {$1000.00} credit card charge on my Citi card ending in XXXX made to XXXX XXXX XXXX ( XXXX, IL ). 

Reason for dispute : XXXX / XXXX Not as XXXX. The vehicle delivered was later confirmed to be stolen, and the merchant failed to provide a valid, transferable title and registration. This makes lawful ownership, registration, and use impossible. The merchant had no legal right to sell this vehicle. 

On XX/XX/XXXX ( seller countersigned XX/XX/XXXX ), I purchased a XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX. The VIN is XXXX. The XXXX XXXX XXXX shows a sale price of {$22000.00}, fees/warranties of {$610.00}, taxes of {$1600.00}, and a {$5000.00} down payment. Of that down payment, {$1000.00} was charged to my Citi credit card. 

After taking delivery, XXXX, I learned the vehicle was stolen/ flagged as stolen. Law enforcement confirmed the vehicle was stolen and generated police report # XXXX with Illinois XXXX XXXX XXXX XXXX. The IL XXXX also confirmed the title can not be legally transferred into my name and the vehicle can not be registered lawfully. Because of this, I do not have legal ownership of the vehicle, and I can not legally register or use it. This means the vehicle is fundamentally not as described and the transaction is based on fraud/misrepresentation. 

I promptly filed a billing dispute/chargeback with Citi on XX/XX/XXXX and submitted the supporting documents, including the Bill of XXXX XXXX police report confirming the vehicle was stolen, DMV/title confirmation XXXX and proof of payment. Despite clear official evidence that the merchant sold a stolen vehicle and failed to provide valid title, Citi denied my dispute on XX/XX/XXXX and refused to reverse the {$1000.00} charge. 

Citis denial leaves me responsible for a fraudulent charge tied to an illegal sale. I am requesting that Citi reopen the dispute and correct this billing error by reversing the transaction, refunding the full {$1000.00}, and removing any related fees or interest. I also request a written explanation of how Citi evaluated the official police and XXXX evidence when denying my claim.

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 2025-11-21 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX U.S. Code XXXX ) for deceptive and misleading reporting.

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 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: IL

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

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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 regarding multiple inaccurate items on my credit report in violation of FCRA Sections XXXX, XXXX, XXXX, XXXX, XXXX. My report contains : WRONG ADDRESSES XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX I never lived at these addresses ; these are false, merged identity errors. 
LATE PAYMENTS XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX I never paid late ; reporting is false. Furnishers must provide original payment history and verification. 
CHARGE-OFF XXXX XXXX XXXX Account not mine, fraudulent, delete immediately. 
XXXX XXXX XXXX XXXX  XXXX, XXXX No notices received, unverified debts, delete. 
UNAUTHORIZED INQUIRIES XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, remove immediately. 
I request CFPB intervention to compel all bureaus and furnishers to verify with full documentation or delete these items permanently. I have suffered credit damage due to repeated violations of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: NY

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My XXXX XXXX credit card account ending in XXXX is not being reported to all three major credit bureaus ( XXXX XXXX and TransUnion ) for my authorized users, XXXX XXXX XXXX and XXXX XXXX. I request that XXXX XXXX report this account accurately and promptly to ensure their credit histories reflect this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX XXXX XXXX TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-21 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 requesting assistance with Experians reporting of inaccurate information on my credit file. I have disputed these items but they remain unresolved. The accounts below are reported as charged off or otherwise inaccurate : Charged-Off Accounts : XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$4500.00} XXXX XXXX  XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1200.00} These accounts appear to be outdated, duplicated, or inaccurately reported as charged off. I request Experian to verify them directly with the furnishers or remove any unverifiable data. 

Inquiry Disputes : I am also disputing several hard inquiries that I did not authorize or that were made in error. The following inquiries should be reviewed for legitimacy : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ( appears twice ) XXXX XXXX XXXX XXXX XXXX XXXXT XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Please have Experian investigate whether these inquiries were properly authorized and remove any that can not be verified with my written consent.

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