vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/XXXX I had my phone and wallet stolen from my house. I called chase bank to cancel my card the morning of the XXXX at XXXXXXXX XXXX When I called Chase they said XXXX fraudulent purchases were made on my account but they were less than {$200.00} in total. I told them to close my account. I later called later to see what was going on at XXXXXXXX XXXX I was told my case had been moved to their fraudulent claims department and that he could no longer assist me and to call the number XXXX ( XXXX ) XXXX. The original number I called was XXXX ( XXXX ) XXXX. Unfortunately fraud claims closes at XXXXXXXX XXXX and I had to call in the morning. I call the XXXX ( XXXX ) number in the morning and told that during the XXXX, a XXXX payment of XXXX was authorized on my account, in addition XXXX dollars to XXXX XXXX, XXXX and XXXX were allowed to go through. In addition to this well over {$2000.00} was also denied including {$700.00} on my credit card. Which appears to be the only card they had actually cancelled, Im not sure but it just seems that way. I am told I need to make XXXX claims and to go in person to a chase branch in person when theyre open, the XXXX. Go in person to the branch and Im told that everything will be refunded since it was all fraudulent purchases. Although it didnt seem like going in person helped much because they were on the line with the same people I had talked to over the phone except I had to show a form of ID. Passport. This brings us into the following day when a credit is generated to my new account since my other one had been compromised due to the party that defrauded me having access to my account number. This bring us to today XX/XX/XXXX where Chases denies any fraud occurred with the XXXX even with the given information. I am still not done dealing with chase as I am in the process of appealing the claim since the purchases of my debit and credit card were also fraudulent along with the XXXX payment. I hope Chase is able to do right and credit the {$2000.00} back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
Yesterday I got 4 emails from Cashapp. One stating my daughters account was closed due to gambling, one stating my sponsorship for my son was cancelled as well as my daughter, then one stating my card was deactivated. I went to log in to see what was going on, I got the following message Your account is closed, so you won't be able to continue We had to close your account because of gambling or other activity that goes against our Terms of Service.

You can't access most features of the app, but you'll still be able to withdraw remaining funds.

Pending direct deposits will be returned to the originator in 3-5 business days. Contact the originator directly for instructions.

If you think this is an error, you may be able to appeal this decision. Tap Learn More.

My daughter, whose account I got the message about, is still active with no issues. Today I realized my sons account is also now closed and he received the same message I did. Ive been a member of cashapp since XXXX  and have never had any issues or complaints outside of someone opening an account in my name earlier this year but never had my money compromised. I see people complain about accounts being hacked and losing their fund or someone draining their bank accounts and just figured they did something they shouldnt or trusted the wrong person. I would like my account restored as I have not violated any policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: OH

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support 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 non-monetary relief
Consumer complaint received 2025-07-11 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: OH

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: NV

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: AL

Complaint narrative:
Several accounts were established with the use of my identity by way of theft and now Equifax, Experian and TransUnion are all aiding the violations of my rights under the law. They are trying to collect debts established through Identity theft. all accounts are listed on my FTC Report Number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Ashford XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$60.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$260.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May  Concern, I am filing this complaint against the following credit reporting agencies : TransUnion, Experian, and Equifax for knowingly reporting inaccurate, outdated, misleading, and unverifiable information on my consumer credit file, in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and guidance from the Consumer Financial Protection Bureau ( CFPB ). 



List of Violations : XXXX. XXXXuplicate Reporting XXXX XXXX is reported as a repossession on all three bureaus with duplicate balances and negative statuses, which unfairly harms my credit profile multiple times for a single event. 
XXXX. Incomplete and Inaccurate Account XXXX XXXX XXXX XXXX shows Paid in XXXX bureau, but also Repossession. If the account is paid and closed, this should be accurately reflected across all bureaus. 
Multiple collections such as XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX. XXXX lack clear payment history, verification, or any indication I acknowledged the debt. 
XXXX. Incorrect Personal Information Outdated and incorrect addresses and name variations ( e.g., XXXX XXXX instead of XXXX XXXX ) remain on my file, which could cause confusion with another persons account. 
XXXX. Failure to Properly Verify Medical Debt Collection Management / Sound Physicians reported a medical debt without proper verification or itemization. Per XXXX CFPB guidance, medical debts under {$500.00} or unverified should not appear on consumer credit reports. 
XXXX. Potential Violation of Repossession Reporting Laws Both XXXX XXXX and XXXX XXXX accounts reflect balances due after repossession without evidence of itemized deficiency balances. This is potentially misleading, as property was reclaimed. 


Action Requested : Immediate deletion or correction of the accounts and information outlined above. 
A full investigation into the reporting practices of the listed furnishers and credit reporting agencies. 
Enforcement action, if applicable, for violations of federal law. 
Written confirmation of each action taken by the CFPB and the CRAs. 



Supporting Laws & Rights Cited : FCRA 607 ( b ) Duty to ensure maximum accuracy.

FCRA 609 ( a ) Right to full disclosure of all reported information.

FCRA 611 Right to dispute and reinvestigate.

FDCPA 809 Right to debt validation. 
CFPB Medical Debt Guidance ( XXXX ) Restrictions on medical collections. 



My Identity & Consumer File : Name : XXXX XXXX XXXX Credit Reports Pulled From : XXXX ( TransUnion, Experian, Equifax ) Dated XX/XX/XXXX Thank you for addressing this matter. I expect resolution within the XXXX period provided under federal law. 

Sincerely, 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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May  Concern, I am filing this complaint against the following credit reporting agencies : TransUnion, Experian, and Equifax for knowingly reporting inaccurate, outdated, misleading, and unverifiable information on my consumer credit file, in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and guidance from the Consumer Financial Protection Bureau ( CFPB ). 



List of Violations : XXXX. XXXXuplicate Reporting XXXX XXXX is reported as a repossession on all three bureaus with duplicate balances and negative statuses, which unfairly harms my credit profile multiple times for a single event. 
XXXX. Incomplete and Inaccurate Account XXXX XXXX XXXX XXXX shows Paid in XXXX bureau, but also Repossession. If the account is paid and closed, this should be accurately reflected across all bureaus. 
Multiple collections such as XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX. XXXX lack clear payment history, verification, or any indication I acknowledged the debt. 
XXXX. Incorrect Personal Information Outdated and incorrect addresses and name variations ( e.g., XXXX XXXX instead of XXXX XXXX ) remain on my file, which could cause confusion with another persons account. 
XXXX. Failure to Properly Verify Medical Debt Collection Management / Sound Physicians reported a medical debt without proper verification or itemization. Per XXXX CFPB guidance, medical debts under {$500.00} or unverified should not appear on consumer credit reports. 
XXXX. Potential Violation of Repossession Reporting Laws Both XXXX XXXX and XXXX XXXX accounts reflect balances due after repossession without evidence of itemized deficiency balances. This is potentially misleading, as property was reclaimed. 


Action Requested : Immediate deletion or correction of the accounts and information outlined above. 
A full investigation into the reporting practices of the listed furnishers and credit reporting agencies. 
Enforcement action, if applicable, for violations of federal law. 
Written confirmation of each action taken by the CFPB and the CRAs. 



Supporting Laws & Rights Cited : FCRA 607 ( b ) Duty to ensure maximum accuracy.

FCRA 609 ( a ) Right to full disclosure of all reported information.

FCRA 611 Right to dispute and reinvestigate.

FDCPA 809 Right to debt validation. 
CFPB Medical Debt Guidance ( XXXX ) Restrictions on medical collections. 



My Identity & Consumer File : Name : XXXX XXXX XXXX Credit Reports Pulled From : XXXX ( TransUnion, Experian, Equifax ) Dated XX/XX/XXXX Thank you for addressing this matter. I expect resolution within the XXXX period provided under federal law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: CBC Companies, Inc.
State: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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 is a third formal complaint regarding Experians continued non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically 605B and 607 ( b ). On XX/XX/XXXX, I submitted a full identity theft package which included XXXX FTC Identity Theft Reports ( Report # XXXX ), my government-issued photo ID, Social Security card , proof of address, and a full unredacted credit report identifying the fraudulent items. My prior CFPB complaint was submitted on XX/XX/XXXX, after Experian failed to comply with FCRA-mandated timelines. Since then, no corrective action has been taken. The following fraudulent items still remain on my credit report : a XXXX XXXX account ( # XXXXXXXX XXXX XXXX XXXX XXXX ) opened in XX/XX/XXXX, the associated inquiry from XXXX XXXX XXXX dated XX/XX/XXXX, and XXXX unauthorized hard inquiries : XXXX XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, and XXXX XXXXXXXX XXXX on XX/XX/XXXX. These entries are the direct result of identity theft. I did not authorize them, apply for any related credit, or benefit from them in any way. Under FCRA 605B, Experian is required to block identity theft-related information within four business days after receiving all required documentation. As of today, XX/XX/XXXX, more than 85 days have passed since full documentation was received, and Experian has taken no action to remove the fraudulent items. This is a clear and ongoing violation of FCRA 605B for failing to block identity theft information in a timely manner, and of FCRA 607 ( b ) for continuing to report inaccurate and unverified information after being notified. Experian is in willful noncompliance with federal law. I am requesting that the CFPB require Experian to permanently remove the fraudulent XXXX XXXX account and all associated inquiries, delete the unauthorized hard inquiries dated XX/XX/XXXX and XX/XX/XXXX, provide written confirmation that these items have been removed in accordance with FCRA 605B, and acknowledge these violations and take corrective action. If Experian fails to comply within the time required by law, I will escalate this complaint to the XXXX XXXX XXXX ( XXXX ) and proceed to legal action with an attorney to pursue remedies under the FCRA for damages caused by Experians failure to act. All supporting documents are re-attached, including both FTC Identity Theft Reports ( account and inquiries ), my ID, SSN, proof of address, and a current credit report confirming that the fraudulent information remains.

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 2025-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: NC

Complaint narrative:
Please see attached document saying I owe XXXX dollars. This is not true. I just spokke to you a representative named XXXX who said this was not my debt yet I have a letter as proof showing LJROSS is trying to ILLEGALLY collect a debt I have never owed.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I am submitting this complaint due to MOHELAs failure to correctly report my XX/XX/XXXX Direct Consolidation Loan as a single loan. Instead, it appears MOHELA is reporting the subsidized and unsubsidized components as XXXX separate loans, which has resulted in inconsistent PSLF qualifying payment counts and XXXX jeopardize loan forgiveness. 

My federal loans originated in XXXX, were first consolidated in XXXX, and then again consolidated into a new Direct Consolidation Loan on XX/XX/XXXX. I confirmed with XXXX, my prior servicer, that all loans were included in this most recent consolidation. 

MOHELA has acknowledged that this is a single Direct Consolidation Loan, yet the U.S. Department of Education ( FSA ) is processing the components differentlyassigning different qualifying payment totals to each. This suggests that MOHELA may be misreporting loan structure or payment history, contributing to improper PSLF tracking. 

Under current PSLF and IDR adjustment guidance, a Direct Consolidation Loan is to be treated as XXXX loan, with qualifying repayment and employment history applied equally across the loan. Any reporting that splits the components undermines this principle and causes borrower harm.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-11 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 am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-11 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: SC

Complaint narrative:
I am requesting your assistance in initiating an investigation into these accounts, as they are being reported inaccurately on my credit report. Under USC 1681g, I am formally requesting that they be removed within 15 days. I have attached all supporting documents for your thorough review. Furthermore, the details reported for these accounts are inconsistent and incorrect across the credit bureaus.

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