vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: CA

Complaint narrative:
Im contacting you because my personal information was compromised in a data breach, resulting in fraudulent accounts on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete and block the following accounts from my credit report Accounts Inquiries 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 non-monetary relief
Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-06-05 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I noticed XXXX transactions on my checking account from XXXX different cash or lending companies. XXXX from XXXX XXXX in the amounts of {$830.00} and {$1400.00} respectively. XXXX from XXXX XXXX in the amount of {$1100.00}. XXXX from XXXX XXXX in the amount of {$1000.00}. All XXXX transactions were made within XXXX minutes of each other on the same day, XX/XX/2025. I noticed the transactions on XX/XX/2025 and called my bank, Citibank, to report the fraud. I never made these transactions, have no record of them, and could not make any sense of why I never even received a fraud warning from my bank. A claim was filed, and I was told I would heard back within XXXX business days. I never received another notice, not by email, phone, or mail from Citibank. I called to check on the status of the claim on XX/XX/2025. I was told that the claim was denied. I was also told that the bank had reached out to me to verify the charges by text and email, but I have no emails or texts from the bank on that day. They also said that because I had my banking card in my possession, only I could have made these transactions. However, anyone with the card information could make online transactions. The bank refuses to assist and is straight up fabricating information that they can not prove.

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 2025-06-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I deposited {$900.00} in cash into a Chase ATM. The receipt and my account only reflected {$600.00}. I immediately filed a dispute with Chase, but they closed it without showing evidence that the ATM was physically audited or that footage was reviewed. They simply said the machine counted it. I am certain I deposited {$900.00}.

I have now been charged the missing {$300.00}. Chase refuses to re-open the investigation despite my request. This is unfair and lacks transparency. I am requesting help from the CFPB to force Chase to fully investigate this including cash overage reconciliation, machine servicing, and video review. 
This issue occurred on XX/XX/year> at XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-05 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: LA

Complaint narrative:
XXXX XXXX XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with {$480.00} balance remaining and the rest follows as paragraph XXXX XXXX ( XXXX ), XXXX  ( XXXX ), XXXX  ( XXXX ), XXXX  XXXX  ( XXXX ), XXXX ( XXXX ), XXXX  ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX with XXXX entries ( XXXX and XXXX ), XXXX ( XXXX ), XXXX  XXXX with XXXX references ( XXXX and XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX  ( XX/XX/XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit 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 non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX XXXX XXXX Account Number : XXXX 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 explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX different chat agents told me all they could do was ask for an 'investigation ' into the matter that might take XXXX  days to see if the bureau 's will undo the decision to detract points from my credit score but they could no nothing else. They gave me a phone number to try ( XXXX ) XXXX to ask the same thing since they could not help. I asked them directly how Synchrony Bank was going to address and fix the problem of affecting the credit score of potentially thousands of accounts/people who were impacted by their decision and they ignored the question all three times ( both chat agents and the phone agent ).

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 2025-06-05 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: EQUIFAX, INC.
State: IL

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 they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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:
I am requesting the removal and blocking of fraudulent accounts added after a data breach compromised my personal information. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), please act within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
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 explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: IL

Complaint narrative:
I had an unauthorized use on my Cash app card with the company XXXX on XXXX XX/XX/year>, for XXXX plus tax totaling {$21.00} which the company agreed to refund me for the transaction and sent me a confirmation email that they refunded me on XXXX, I had XXXX cent on my Cash app card, cash app, on XX/XX/year> subtracted {$21.00} from my balance of XXXX causing me to go negative {$21.00}, than they ( Cash App ) applied the $ {$21.00} back on same day and told me that they refunded me, mind you the {$21.00} was already taking from my cash app card on XXXX XX/XX/year>, so when I got my refund it shouldve add to my XXXX balance which shouldve giving me a balance of {$22.00}, not subtracted causing me to go negative, than replacing it giving me my same balance I started with, I have proof, I never gotten my refund, Ive explained this issue several times to different Cash App recipients, I asked for to speak with management I was told that they had to email management and management would contact me via email, I asked them if youre a financial institution dealing with clients personal financial information, how I cant speak with a manager concerning my financial situation, again was told its only through email, never gotten an email, this not the first time at least once or twice a year, I have a problem with Cash App stealing money from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: RI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-06-05 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: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
According to 15 USC 1681i, I have the right to dispute inaccurate and unverifiable information on my credit report. I have submitted multiple disputes, yet your responses claim the account was updated or verified without a proper reinvestigation. 

The data furnisher failed to provide : Verification of the debt The ORIGINAL contract bearing my signature A full breakdown of the balance and how it was calculated This violates my rights under the FCRA. Reporting unverifiable information without substantiating documentation is unlawful. You are now on notice to immediately delete the following account or provide full, legally sufficient verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Subject : Formal Complaint for Inaccurate and Fraudulent Personal Information Immediate Removal Requested To Whom It May Concern, I am submitting this formal complaint regarding the presence of fraudulent and inaccurate personal information attributed to XXXX XXXX XXXX on my credit reports maintained by the XXXX major credit reporting agencies ( Experian, Equifax, and TransUnion ). 

The personal information in question is demonstrably false and constitutes identity fraud or erroneous reporting. I demand immediate action to investigate and permanently remove all inaccurate personal data linked to the name XXXX XXXX XXXX, as it is misleading and damaging to my credit standing and personal reputation. 

Specifically, I require the following : Verification and validation of the identity linked to this information by the credit bureaus. Provide documented proof of identity verification procedures performed concerning this data. 

Immediate removal of all inaccurate or fraudulent personal information associated with XXXX XXXX XXXX from all credit files. 

Confirmation that all three credit bureaus have updated their records accordingly and removed the disputed fraudulent personal data. 

Failure to take immediate corrective action will compel me to pursue all available legal remedies under the Fair Credit Reporting Act ( FCRA ), including but not limited to claims for willful violation damages and referral to federal enforcement agencies for investigation of fraudulent reporting. 

Please treat this complaint with the utmost urgency and provide written confirmation of receipt and planned resolution. 

Thank you for your prompt attention to this matter. 

Sincerely,

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 2025-06-05 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: EQUIFAX, INC.
State: NY

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 they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In regards to XXXX and their legal department, on XX/XX/year>, I had sent via email and certified letter : Immediate Termination of Sentry Legal Access Plan Agreement Request for Confirmation. No action was taken, XXXX on XX/XX/year> I followed up and sent via email and certified letter : FINAL NOTICE : Cease Harassment Confirm Termination & Refund or Face Legal Action. Please find these XXXX notices, attached, along with the certified receipts and proofs of delivery. 

In regards to Chase, on XX/XX/year>, I had sent via email and certified letter : FORMAL COMPLAINT : Regulation E Violation re : Unauthorized ACH Debits ( Case #, none created by XXXX XXXX. No action was taken by Chase to mitigate my matters with XXXX and their legal department, and no provisional credit was given as of today, XXXX today on XX/XX/year> I followed up and sent via email and certified letter : FINAL NOTICE : Legal Action for Regulation E Violations re : {$1000.00} ACH Dispute. Please find both of these notices attached. There is proof of delivery for the FORMAL COMPLAINT, and since the FINAL NOTICE was sent today, there is no proof of delivery for that yet.

Company response to consumer: Closed with explanation