vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 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: Continental Finance Company, LLC
State: TX

Complaint narrative:
XXXXcontfin ( bank ). Hard inquiry on XX/XX/year>. Not authorized ( fraud ). Contacted bank and they claimed they cant help. Fraud department said since they dont have an account ( active ) with my informations they cant help even if I show an inquiry on my transunion report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Chase Bank regarding an unauthorized transaction on my checking account and the banks failure to resolve the issue in accordance with consumer protection laws. 

On or around XXXX XXXX XXXX an unauthorized payment of {$1700.00} was made from my Chase checking account. This transaction was not authorized by me. It was made by my husband without my consent, using my personal banking information, which he accessed without permission. I promptly contacted Chase Bank to dispute the transaction and submitted a formal claim. 

Unfortunately, my claim was denied twice despite providing all necessary information and documentation. I later called Chase again to request a stop payment, and while they agreed to halt the transaction, they charged me a {$30.00} stop-payment fee, which I also find inappropriate under the circumstances. 

As of today, my account is showing a negative balance of {$1700.00}, and Chase has not reversed the unauthorized transaction or refunded the associated fees. 

This situation has caused severe financial hardship and emotional distress. I am also in the process of filing a police report for identity fraud and unauthorized use of my banking information. 

I am requesting that the CFPB investigate this matter and help facilitate a resolution, including : A full refund of the unauthorized {$1700.00} Reversal of the {$30.00} stop-payment fee Restoration of my account balance Assurance that my rights as a consumer under the Electronic Fund Transfer Act ( EFTA ) and Regulation E are protected I am attaching relevant documentation, including correspondence with the bank, proof of the unauthorized transaction, and any communication logs. 

Thank you for your attention to this matter. I look forward to a timely response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Transform Credit Inc.
State: CA

Complaint narrative:
Two years ago, I agreed to co-sign a loan for {$7000.00} for a friend, XXXX XXXX, for a personal loan with Transform Credit. Suddently in XXXX, I began receiving monthly email notices from them that her payment was due. I will only the more recent ones as they are numerous. I also receive reminders before and after the payment was due. I asked XXXX to have them stop notfying me evertime a payment was due. I am a co-signer, not a co-borrower. She said that she would take care of it. Apparently, she did not. In XX/XX/XXXX, she changed her card on file with them and changed th epayment due date from the XXXX of the month to the XXXXEver since she made that change, it appears to me that they are not accepting her payment on the XXXX and charge me instead through my debit card. They notice me by mail, Is it really necessary for them to email, text andResl text and email on the XXXX that the payment is due on the XXXX. XXXX XXXX states that she does not get these reminders. This month, however, instead of waiting until the XXXX, they charged me on the XXXX, which makes twice for XXXX. The attached billing history shows that that Transform Criedit reversed 3 of her payments, then charged me instead. I will have to get my money back from XXXX XXXX on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: IL

Complaint narrative:
I have been writing this bureau for MONTHS now trying to get them to correct their OWN MISTAKES. They are consistently reporting incorrect names, addresses, and unauthorized inquiries on my report. They are in violation of so many FCRA laws it is ridiculous. I began writing them in XXXX of XXXX, then XX/XX/XXXX. I have not received any communication and my report is still the same. 

First of all, based on FCRA ( FAIR CREDIT REPORTING ACT ) 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is a direct violation of 15 USC 1681 and all of its subsections.

Second of all, there is a law that they are also fully violating - FCRA 15 USC1681b - PERMISSIBLE PURPOSE!!! I have not authorized or participated in ANY transaction which allowed any company to perform an INQUIRY of my credit information and I demand that ALL inquiries older than 30 days that are not tied to an undisputed active account be deleted IMMEDIATELY! 

Third of all, according to XXXX XXXX XXXX  XXXX, this bureau is required to ensure MAXIMUM POSSIBLE ACCURACY. The inaccurate information continually being reported violates these laws : 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Each item in dispute must be deleted immediately. 

I feel violated and abused by this company. They have unfair practices that are impacting my ability to live without hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: MI

Complaint narrative:
Starting in XX/XX/year> I started disputing the inaccuracies I found on all 3 of my credit reports. I did a round of a round of disputes with Equifax and after the round was completed some items were removed but some remained on my credit report with no verification of proof of a proper investigation. Equifax is reporting {$0.00} late payments and late payments at the same time and absolutely no credit history on Identity IQ platform. ( Please see attachment ). I see a public record still popping up but I have no public record. I am filing my first complaint with hopes that I will receive the appropriate assistance in helping remove innacurate information from my credit report that is effecting my credit worthiness. Documents will be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: FL

Complaint narrative:
I recently review XXXX credit report and noticed have fraudulent account on my report Experian account XXXX XXXX XXXX  please removed this account from my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MoneyLion Inc.
State: PA

Complaint narrative:
Subject : Formal Dispute Under the FCRA MONEYLION INC Account Account Number : XXXX Dear Credit Reporting Agency, I am writing to dispute the accuracy of the information being reported regarding the MONEYLION INC account on my credit file. Upon review, I found multiple serious errors that are inconsistent with federal requirements under the Fair Credit Reporting Act ( FCRA ) : This account was opened on XX/XX/XXXX and charged off shortly thereafter, with the last payment made on XX/XX/XXXX, yet it is still showing XXXX potentially negative months, which is not possible based on the short duration the account was active. 

The account status has not been updated since XX/XX/XXXX, yet the balance was updated in XX/XX/XXXX, and it still reflects a past due amount of {$130.00} on an account that is both closed and charged off. 

The original loan was for {$500.00}, and the status reflects it was fully charged off, yet the continued reporting of a past due balance contradicts that and misrepresents the account as active or delinquent, even though it was closed years ago. 

According to the FCRA, including but not limited to Sections 602, 605 ( a ), 607 ( b ), and 611, all information in a consumer report must be : Accurate and up-to-date Not misleading Properly aged and reported based on correct dates and status This account is being reported in a way that is materially misleading, outdated, and factually inaccurate, which directly affects my credit standing and financial opportunities. 

I am demanding that you : Immediately delete this account from all of my credit reports ( Experian, Equifax, and TransUnion ). 

Provide written confirmation of the results of your reinvestigation within 30 days, in compliance with FCRA Section 611. 

I have enclosed a copy of my government-issued ID and proof of address to assist with your investigation. 

If this account is not removed or corrected in accordance with the law, I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seek legal action to protect my rights under federal law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Truist closed my account back in XXXX and I received a letter saying I will receive a check of the remaining amount that was in my account in the mail but I never received it. I went by the main branch about this back in XXXX and they said the check had been delivered but they will send out an email and I would receive a phonecall to fix the matter but they never called. I went by the main branch again last week and they just repeated the same process. They will send out an email and I should receive a phone call and said if i dont receive a call to come back. It has been a week and I still have not received a phone call and I need my check

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: OH

Complaint narrative:
On XX/XX/year>, I mailed a formal request to TransUnion in accordance with Section 605C of the Fair Credit Reporting Act ( FCRA ). This request included a self-attestation of human trafficking victimization and detailed the following information that I asked to be suppressed : I am resubmitting XX/XX/year> On XX/XX/year>, I mailed a formal request to TransUnion in XXXX with Section 605C of the Fair Credit Reporting Act ( FCRA ). This request included a self-attestation of human trafficking victimization and detailed the following information that I asked to be suppressed : Several derogatory accounts opened or used without my consent, A public record ( XXXX XXXX XXXX ), and Multiple unauthorized hard inquiries made during a period of exploitation. 

Despite sending all required documentation in accordance with 15 U.S.C. 1681c3, TransUnion has failed to respond in any XXXX  confirmation, no investigation results, and no removals. It has now been months, and these harmful items continue to appear on my credit report, causing ongoing damage. 

This is not just neglectthis is willful noncompliance with federal law. TransUnion has completely ignored its legal obligation to protect victims of human trafficking by failing to suppress the listed accounts and inquiries as required under Section 605C.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: Block, Inc.
State: AR

Complaint narrative:
Its been over a year or two and Ive still not been able to appeal my cash app account at the time there was many disputes that have been put in because of my phone being stolen and I was not able to contact anybody to get proper help and then finally I got everything fixed and they closed my account. Ive tried to appeal it recently and the cash but just send me straight back to the same thing over and over again I do not understand why I cant appeal it or why couldnt it before or why they even shut my account down because the whole issue was not my fault other than the phone being stolen and my cash app being attached to it. Basically I just want to be able to open the account again so that I have it for family purposes just to help my children out

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am reporting an error regarding the reporting of my Discover credit card account on my XXXX credit report. 

This account was closed in XXXX, as correctly indicated by the XXXX ( closed ) status in the XXXX tradeline history. However, despite the closure, XXXX is continuing to report new charge-offs ( CO ) in XXXX, XXXX, and XXXX. 

This is inaccurate and misleading. Once an account is closed and charged off, no new derogatory activity should be reported after the closure date. The account is being re-aged in violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 1681c, which prohibit the furnishing of outdated or incorrect information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: UT

Complaint narrative:
I have reached out to Experian, XXXX, XXXX, all three Agencies are reporting the following account open when in fact this account has been closed as of XX/XX/year>. All three are stating it's accurate without proof it's closed, XXXX XXXX has XXXX it's been reported and yet it's reporting inaccurate balance when in fact the account is closed. DISPUTE BASIS I am formally disputing the account for inaccurate reporting in violation of the Fair Credit Reporting Act ( FCRA ). This account was CLOSED in XX/XX/year> and should reflect a {$0.00} balance with closed status. FCRA VIOLATIONS 1. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) - Section 611 ( a ) ( 1 ) ( A ) Experian, XXXX, XXXX, failed to conduct a reasonable reinvestigation of this disputed item. The account status and balance are factually incorrect.

2. 15 U.S.C. 1681e ( b ) - Section 607 ( b ) Experian, Equifax, TransUnion, are reporting inaccurate information by showing an open account with a {$1300.00} balance when the account is closed with a {$0.00} balance.

3. 15 U.S.C. 1681s-2 ( b ) - Section 623 ( b ) The furnisher ( XXXX XXXX ) has violated their duty to investigate and correct inaccurate information after being notified of the closure. LEGAL NOTICE Experian, XXXX, XXXX, continued reporting of inaccurate information after this formal dispute constitutes willful non-compliance with the FCRA. Failure to correct this within 30 days may result in legal action for actual damages, statutory damages up to {$1000.00}, punitive damages, and attorney fees under 15 U.S.C. 1681n and 1681o.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I have reached out to XXXX, Equifax, XXXX, all three Agencies are reporting the following account open when in fact this account has been closed as of XX/XX/year>. All three are stating it's accurate without proof it's closed, XXXX XXXX has stated it's been reported and yet it's reporting inaccurate balance when in fact the account is closed. DISPUTE BASIS I am formally disputing the account for inaccurate reporting in violation of the Fair Credit Reporting Act ( FCRA ). This account was CLOSED in XX/XX/year> and should reflect a {$0.00} balance with closed status. FCRA VIOLATIONS 1. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) - Section 611 ( a ) ( 1 ) ( A ) XXXX, Equifax, XXXX, failed to conduct a reasonable reinvestigation of this disputed item. The account status and balance are factually incorrect.

2. 15 U.S.C. 1681e ( b ) - Section 607 ( b ) Experian, Equifax, TransUnion, are reporting inaccurate information by showing an open account with a {$1300.00} balance when the account is closed with a {$0.00} balance.

3. 15 U.S.C. 1681s-2 ( b ) - Section 623 ( b ) The furnisher ( XXXX XXXX ) has violated their duty to investigate and correct inaccurate information after being notified of the closure. LEGAL NOTICE Experian, Equifax, TransUnion, continued reporting of inaccurate information after this formal dispute constitutes willful non-compliance with the FCRA. Failure to correct this within 30 days may result in legal action for actual damages, statutory damages up to {$1000.00}, punitive damages, and attorney fees under 15 U.S.C. 1681n and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: AR

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$2100.00} XXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$280.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc

Complaint narrative:
On XX/XX/year>, my PayPal account was permanently limited without any clear explanation. Since then, my funds amounting to {$9.00} have been held and I have been unable to access or withdraw them. 
I contacted PayPal customer service multiple times starting about XXXX months ago, requesting explanations and access to my funds, but received no satisfactory response or resolution. 
PayPal informed me that my funds would be held for XXXX full year, but now that period is nearing completion and I still can not access my money. 
This situation has caused me significant financial hardship and stress. I hereby request immediate assistance to release my funds. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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 want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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