vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to formally dispute the inaccurate and damaging information that has been reported on my credit report. The information in question is not only incorrect but is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which governs the accuracy of information reported by credit reporting agencies. Upon reviewing my credit report, I discovered that the following information is either outdated, incorrect, or has been improperly included : Bankruptcy Ref # XXXX XXXX Acct XXXX XXXXXXXX {$04.00} XXXX XXXX XXXX Acct XXXX XXXX  {$1300.00} XXXX XXXX Acct XXXX XXXX {$1000.00} XXXX XXXX Acct XXXX XXXX {$1300.00} XXXX Acct XXXX XXXX {$2300.00} XXXX  Acct XXXX XXXX {$1500.00} XXXX Acct XXXX XXXX {$200.00} XXXXXXXX XXXX Acct XXXX XXXXXXXX {$1000.00} XXXX XXXX Acct XXXX XXXXXXXX {$1000.00} XXXX Acct XXXX XXXXXXXX {$340.00} XXXX Acct XXXX XXXXXXXX {$2700.00} XXXX  Acct XXXX XXXXXXXX {$2200.00} XXXX XXXX Acct XXXX XXXXXXXX {$100.00} XXXXXXXX XXXX Acct XXXX XXXXXXXX XXXX XXXXXXXXThis information is entirely false, and it is completely unacceptable that it has been reported without proper verification. I demand that the inaccurate data be removed from my credit report IMMEDIATELY, as per my rights under FCRA 605B.

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 2025-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: TN

Complaint narrative:
Ive been a victim of Identity theft. I purchased XXXX XXXX stocks on XX/XX/year> at XXXX Transaction # XXXX and the original phone number that was attached to my cashapp was under XXXX which I no longer have access to. The original XXXX  that was attached to the account was $ XXXX the nmls # is : XXXX and the original email that was attached to my account was XXXX Ive tried numerous of times to reach out to CashApp to file an appeal regarding my account due and to see if I can get my CashApp account back but every time I ask for help they push my matter aside and shut me out. If anyone is able assist me with helping me to get full access regarding my stock Id greatly appreciate it. I have money in my stock that XXXX cant even access and on top of that my CashApp account has been closed and they refused my appeal to reopen my account due to identity theft. The representatives and managers are rude, unprofessional, and helpless. Please contact me on my phone or email if you have further questions at phone number : XXXX or email XXXX thank you kindly! 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an EOSCAR SYSTEM. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. 
I have identified accounts and inquiries listed on my credit report that I did not authorize or provide written consent for. This is a total breach of privacy and trust when it comes to consumer reporting. 
Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Hi I am a victim of fraud through Bank of America whom I bank with. XX/XX/year> I noticed several unauthorized transactions made upon my account I took the correct steps of contacting the financial institution to make aware, my debit card however was still in my possession, which Ive made representative aware.As I was doing so more charges were attempting to be made on the account. I took a loss of {$870.00} that was spent at several XXXX stores in different states ( California & Massachusetts ). I was temporarily credited as claim was under review.However fast forward on XXXX XXXX claim was denied stating since the card on account was still in my possession I am held accountable.The {$870.00} was reversed back to you from my account which made account negative. I was made aware as I noticed I was in the negative, of course I contacted institution again. They explained decision I decided to reopen claim because I am not at fault this is fraud! That claim was also denied I decided to reopen again because I am a victim of theft. Claim was denied. I have taken a loss I can not afford. I would like to know what to do to receive my money back.

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 monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: OKX INC.

Complaint narrative:
On XX/XX/year>, I experienced an unexplained drop in my trading account balance on the cryptocurrency platform XXXX. Approximately {$450.00} XXXX disappeared without any transaction, liquidation, or verifiable action to justify the loss. 

I reported the issue immediately and opened multiple tickets with their support team ( XXXX, XXXX, XXXX, XXXX, XXXX ). Despite providing more than XXXX emails of evidence, including a screen recording clearly showing the account behavior and numerical discrepancies, XXXX refused to acknowledge the issue. 

Instead, they repeatedly changed their narrative, sent inaccurate and manually altered records, and failed to address a critical system malfunction. Their behavior raises serious concerns about transparency, data integrity, and user protection. 

The core issue is not technical complexity its the platforms refusal to admit an obvious flaw in its system. Their actions resemble the tactics of bad-faith operators rather than a regulated financial entity. 

XXXX claims to operate transparently, yet in practice, they actively dismiss or ignore hard evidence. This calls into question the integrity of their operations, especially as they maintain a registered presence in the United States. 

I have all supporting materials including emails, transaction logs, and a screen recording that clearly shows the discrepancy. If needed, I can provide these upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
Unrecognized medical debt, especially in regards to medical reporting is currently on my credit report, however ( see below ) this is not used in credit reporting however when trying to obtain a mortgage the credit report is showing collections of a medical debt. 

Information about a person 's medical history and health is sacrosanct and among the most intimate and sensitive categories of data. Recognizing the uniquely sensitive nature of such information, Congress acted to limit the use and sharing of medical information in the financial system by amending the Fair Credit Reporting Act ( FCRA ) through the Fair and Accurate Credit Transactions Act of 2003 ( FACT Act ). [ 1 ] In doing so, Congress establish [ ed ] strong privacy protections for consumers ' sensitive medical information, [ 2 ] in line with the overarching privacy protection purpose of the FCRA. [ 3 ] As part of these protections, Congress generally limited a creditor 's ability to obtain or use a consumer 's medical information in connection with any determination of the consumer 's eligibility, or continued eligibility, for credit ( creditor prohibition ), subject to certain exceptions. [ 4 ]

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 2025-05-24 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Requested credit pull removed was for a business loan was not aware of it answer was that they did not see it on my credit report but it is there J.P. Morgan chase buisness on XXXX report XX/XX/year>2025 was posted please check again thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Formal Complaint Violation of 15 U.S.C. 1681 ( a ) ( 4 ) and Privacy Protection Laws by XXXX XXXX XXXX XXXX I am writing to file a formal consumer complaint against XXXX XXXX XXXX XXXX ( XXXX  ) for what I believe is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( a ) ( 4 ), as well as the Privacy Protection Act. On XX/XX/year>, my previously closed accounts with XXXX were sold to a third-party, non-affiliated debt collection agency, XXXX XXXX XXXX XXXX, without my prior knowledge or consent. This action constitutes an unauthorized disclosure of my personal and financial information and violates the provisions intended to protect consumer privacy under federal law. Basis of Complaint : Violation of 15 U.S.C. 1681 ( a ) ( 4 ) : This section of the FCRA underscores the importance of protecting consumer privacy and limiting access to consumer reports to only those with a permissible purpose. Selling closed accounts to a third party without my authorization is not a permissible purpose. Breach of the Privacy Protection Act : My personal financial information was shared with an unaffiliated third-party without notice or my express written consent, violating consumer protection statutes regarding non-public personal data. Request for Resolution : I formally request the following actions be taken : Immediate deletion of both closed accounts with XXXX XXXX XXXX XXXX from all consumer reporting agencies. Investigation and enforcement action against XXXX XXXX XXXX XXXX for this privacy breach. Written confirmation from XXXX that all data shared with XXXX XXXX XXXX XXXX has been retracted and/or securely deleted. This disclosure and sale of my closed account information has caused me undue distress, and I demand corrective measures be taken promptly. I am also attaching copies of supporting documentation for your review, including notices and communications from XXXX XXXX XXXX XXXX. Please contact me at your earliest convenience to confirm receipt of this complaint and to provide an update on the actions taken. 2 Documents attached concerning the Accounts for this complaint. Thank you for your time and attention to this serious matter. Sincerely, 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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: TX

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: IN

Complaint narrative:
In XX/XX/year> I was sent two unsolicited cards from Chime banking, one debit card and one credit card. The cards were sent to our home address but made out to my maiden name. Our credit reports are frozen so I disregarded them and shredded the cards immediately. Two months later the card showed up and dinged my credit report. I called Chime today to cancel the accounts and spoke to XXXX for an extended time. He would not cancel my accounts because I refused to provide personally identifying information, which they clearly already have since the accounts were opened without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC
State: IN

Complaint narrative:
On XXXX XXXX XXXX, I sent a certified letter to MONTEREY FINANCIAL requesting documentation related to my account. Specifically, I asked for the original account number, the date the account was opened, a payment history ledger, the date of the last payment, and any documents that bore my handwritten signature. This account is currently Placed for collection. Additionally, I requested a response within thirty days of sending the letter. However, I have yet to receive a written response from this creditor validating the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S 1666 and 15 U.S 1666 ( b ) Late payments.

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 2025-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I use PayPal to complete online purchases. My recent account issues involve PayPal holding additional funds long after the transaction has posted to the account. Example on XX/XX/year>XXXX  I made an online purchase through the XXXX website and paid for it with PayPal. Because it is a delivery order XXXX places a hold on my account for an amount larger than what the final purchase amount will be. In this case it was {$92.00}. this is done to cover any type of items that need to be substituted. I received email confirmation today from PayPal that the final transaction from XXXX had posted to my account in the amount of {$87.00}. this leaves a difference of {$5.00}. The transaction has posted to my account it is no longer pending however PayPal has decided that they can put a hold on the {$5.00} until whenever they feel like posting it to my account. There is no time frame according to the customer service representative. Considering that the transaction has hard posted and is no longer pending when it posted they should have released the {$5.00} and placed it back into my PayPal balance. I contacted the customer service department and tried to explain to her what the problem was and she continued to just repeat to me that the {$5.00} is still pending. Which means PayPal is holding on to that money without any just cause. This is the third time this has happened. The first time it was 20 days before I called and asked why it had not been released in my balance and I got the same runaround until I finally said that I would file a complaint if it was not returned to my balance that they had no right to hold on to money when they don't disclose anywhere that that's going to happen. The second time it was several days it and the difference between the hold amount and the final transaction amount still had not posted to my account. I had to call them again and once again it was taken care of within a short amount of time but had I not called it would have been in limbo. This is an excellent way for PayPal to be stealing money from customers without the customer knowing because unless you're carefully monitoring your balance you don't notice that they did not put the additional funds back into your account. Considering that I've had to call three times now because they will not post it without calling there are probably a lot of customers that don't even realize that PayPal is holding onto their money with no just cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( XXXX  ) .Please remove this unverifiable item.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Beginning on XXXX XXXX of this year, I submitted a notarized affidavit to Bank of America requesting that they provide a validation- instead of a verification- for two accounts they allege I have outstanding balances on. More specifically, I was formally requesting a full accounting disclosure under applicable consumer protection laws and banking regulations, including, but ot limited to : Regulation Z ( TILA ) ; GAAP ; FCBA ; etc. When they failed to respond, I submitted a followup request to their corporate leadership via email, but to no avail.I then submitted another certified letter on XX/XX/year> to their legal department, and still received no response. Then, on XX/XX/year>, I sent another notarized, certified letter in which I made a FOIA request. One copy was sent to Bank of America Trust, while the other was sent to their corporate leadership. However, to date, Bank of America has refused to provide me with the requested documentation.

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