vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XX/XX/XXXX, JPMorgan Chase closed a custodial account I opened for my daughter, who is now XXXX. The account ending in XXXX contained {$28000.00}, which was directly transferred from my Chase account ending in XXXX, funded by a verified 401 ( k ) loan disbursement. 

While I understand the account closure was triggered by my daughter reaching the age of majority, Chase has unlawfully withheld the funds for over 90 days. Despite repeated outreach and escalation case number XXXX, Chase has not provided a timeline or explanation for why the funds have not been released. 

On XX/XX/XXXX, Chase escalation staff told me that it could take up to 9 months to release the funds. This is unreasonable and has caused significant financial hardship. The source of funds is fully documented, legitimate, and should not be subject to indefinite withholding. 

I am requesting CFPB intervention to ensure Chase either : Releases the funds to the rightful beneficiary, or Provides a lawful written justification for withholding them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXX, a purchase was made without my knowledge or consent using my Sam 's Club credit to Walmart for {$960.00}, and another purchase for {$14.00} to muscle boost online. I wasn't aware of these charges until I received my statement the following month and realized that my balance had increased. I immediately contacted Synchrony Bank, which is the issuer of the card, to report this matter. I have been requesting documentation from the credit card issuer for proof of receipt for this item, which they state is for an XXXX '' XXXX XXXX. I explained to them there's no way a TV of such a large amount would have been left at the home with no signature required and in plain view. I have been disputing these charges since XXXX last year, and each time, Synchrony Bank rules in favor of the merchant with no explanation or proof. They're constantly reporting this charge to the credit bureaus, causing my score to drop tremendously, which affects my creditworthiness and livelihood. This matter is still ongoing as of XX/XX/XXXX. I'm being asked for documents that I don't have, yet they won't provide me with any evidence showing that I received these items. The online order for {$14.00} was never received, and they removed it and charged it back to my card.

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 2025-08-25 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: TX

Complaint narrative:
My financial conduct over the years is not properly shown here.

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 2025-08-25 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$740.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : $ XXXX XXXX XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$150.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$630.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-25 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: MD

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 15 U.S. Code XXXX  1681c-2 a consumer reporting agency shall block the reporting of any. information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: MD

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 15 U.S. Code XXXX  1681c-2 a consumer reporting agency shall block the reporting of any. information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
This account is being reported in violation of FCRA 602 ( A ), 604, 609, and 611, as well as Consumer Law protections. You have failed to provide a permissible purpose, original contract, and verifiable proof of ownership or authorization to report. This is an unverified, inaccurate, and unlawful collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you remove the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place, I also have no knowledge of any suspects. I did not consent to, authorize nor benefit from any of the following accounts. I also did not receive any money, goods, or services as a result of identity theft. Please investigate and remove all fraudulent inaccurate accounts as I have no knowledge of any of these accounts due to the XXXX  data breaches or Identity theft.

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 2025-08-25 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: TekCollect Inc.
State: MI

Complaint narrative:
These are clear violations of my consumer rights under 15 U.S. Code 1681a, 15U.S. Code 1681a1 and also 15 U.S. Code 1666b.

If you are the Fiduciary in this commercial Matter, I need a copy of the contract between us to continue further communication. I do not give permission or consent by assent for you to enter as a third party to this alleged civil dispute, nor to issue letters of threat against my private Property or my Person, including you and / or your agents reporting erroneous and harmful information to various credit reporting entities.

Produce a Contract, Delegation of Authority, Regulatory Authority or cease and desist. Unless you are a Secured Party, Holder-in-Due Course, Creditor, Debtor or Signatory on the original Contract, you are a third party. You are a liability and no assistance in this commercial Matter. Take Notice : You are lawfully and legally dismissed. I will not discuss my Private Affairs with an unqualified Third Party Interloper / Trespasser.

Please forward the instrument that establishes the debt obligation between TEK Collect and XXXX XXXX XXXX. 

Please remove this information from my consumer report and update this account within 15 days of this notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX DC XXXX Subject : Complaint Regarding Inaccurate Credit Reporting Request for Investigation To Whom It May Concern, I am submitting this formal complaint against Experian, Equifax, and TransUnion for failing to maintain accurate and verifiable information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Despite sending certified dispute letters directly to the credit bureaus, they have continued to report inaccurate, unverifiable, and outdated information on my file, including : XXXX XXXX XXXX XXXX XXXX ( {$570.00} ), XXXX XXXX XXXX ( {$1600.00} ), and XXXX XXXX XXXX ( {$340.00} ). These accounts remain despite a lack of proper validation. 

Charge-Off / Negative Accounts XXXX loans showing extended delinquencies and XXXX XXXX XXXX  account showing erroneous late-payment reporting.

Paid / Closed Accounts XXXX, which has been paid in full and closed but continues to appear in a way that may misrepresent my credit profile.

Hard Inquiries My report reflects 14 inquiries I did not authorize in writing, which violates FCRA 604. 

Outdated Personal Information Multiple old addresses remain on my file, despite my request to retain only my current address : XXXX XXXX XXXX, XXXX, NJ XXXX. 

The credit bureaus have either ignored or inadequately addressed my disputes. Their failure to correct these errors is a direct violation of federal law and has caused me financial harm. 

Requested Resolution : Immediate removal of all unverifiable collection and charge-off accounts. 

Deletion of unauthorized inquiries. 

Removal of outdated personal information ( addresses ). 

Written confirmation of compliance. 

I have enclosed : Copies of my original dispute letters, Certified mail receipts, Copies of my ID and proof of address, and Recent credit reports highlighting the disputed items. 

I request that the CFPB investigate these violations and take enforcement action to ensure my credit reports are corrected promptly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX DC XXXX Subject : Complaint Regarding Inaccurate Credit Reporting Request for Investigation To Whom It May Concern, I am submitting this formal complaint against Experian, Equifax, and TransUnion for failing to maintain accurate and verifiable information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Despite sending certified dispute letters directly to the credit bureaus, they have continued to report inaccurate, unverifiable, and outdated information on my file, including : XXXX XXXX XXXX XXXX XXXX ( {$570.00} ), XXXX XXXX XXXX ( {$1600.00} ), and XXXX XXXX XXXX ( {$340.00} ). These accounts remain despite a lack of proper validation. 

Charge-Off / Negative Accounts XXXX loans showing extended delinquencies and XXXX XXXX XXXX  account showing erroneous late-payment reporting.

Paid / Closed Accounts XXXX, which has been paid in full and closed but continues to appear in a way that may misrepresent my credit profile.

Hard Inquiries My report reflects 14 inquiries I did not authorize in writing, which violates FCRA 604. 

Outdated Personal Information Multiple old addresses remain on my file, despite my request to retain only my current address : XXXX XXXX XXXX, XXXX, NJ XXXX. 

The credit bureaus have either ignored or inadequately addressed my disputes. Their failure to correct these errors is a direct violation of federal law and has caused me financial harm. 

Requested Resolution : Immediate removal of all unverifiable collection and charge-off accounts. 

Deletion of unauthorized inquiries. 

Removal of outdated personal information ( addresses ). 

Written confirmation of compliance. 

I have enclosed : Copies of my original dispute letters, Certified mail receipts, Copies of my ID and proof of address, and Recent credit reports highlighting the disputed items. 

I request that the CFPB investigate these violations and take enforcement action to ensure my credit reports are corrected promptly. 

Thank you for your attention to this 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 explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing the reporting of a fraudulent account under my credit file. I did not authorize, apply for, or use this account at any point. Its inclusion is false and has resulted in unwarranted harm to my financial credibility and peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX L Date : XX/XX/year> XXXX  Date : XX/XX/year> XXXX  Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute an account that has been wrongfully reported under my credit profile. I have never authorized, applied for, or maintained this account, and its presence is a complete inaccuracy. The false reporting of this account is not only misleading but also harmful, as it directly impacts my financial reputation and credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Block, Inc.
State: SC

Complaint narrative:
I have contacted Cash App several times and also reached out to my bank, XXXX, because multiple accounts have been opened using my information, and money has been taken from my credit card. Cash App agreed to issue a refund of {$10000.00} to me. However, I am unable to create a new account to receive these funds. I requested that Cash App send the refund via mail as a check. Despite providing all the requested documents from both myself and my bank, I have not received the refund. I filed a fraud report with Cash App, but I still have not been refunded for the fraudulent accounts.

Company response to consumer: Closed with explanation