vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 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: GA

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

1681c2 ) that you, the Equifax 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 : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, Balance : {$0.00} 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 US 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: KS

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
Im writing to request the name and address of the original creditor. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: MI

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) From : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX DOB : XX/XX/XXXXXXXX  | SSN ( last 4 ) : XXXX Email : XXXX Date : XX/XX/XXXXXXXX  Subject : Formal Complaint and Dispute Against XXXX XXXX ( Account # XXXX ) Dear CFPB, I am filing this complaint and dispute regarding the inaccurate and misleading reporting of a XXXX XXXX account ( Account # XXXX ) that is appearing on my credit reports. This is not my account, and the manner in which it is being reported contains multiple violations of the Fair Credit Reporting Act ( FCRA ), Metro 2 guidelines, and IRS reporting requirements. 

Key Issues : 1.Not My Account I never opened or authorized any account with XXXX XXXX. The account being reported is fraudulent and should not be on my credit file. 
2.Closed/Charged-Off but Still Reporting Past Due The account was closed on XX/XX/XXXX and marked as a charge-off, yet it is still showing as past due with a {$1300.00} balance on a {$1000.00} credit limit, reflecting 134 % utilization. 
3.No IRS 1099-C Issued If the creditor determined this debt uncollectible, they were required to issue a Form 1099-C. I never received one. 
4.Creditor Can not Accept Payments I attempted to resolve the matter but received the notice This person cant accept payments right now, further proving this debt is not active but is still being misreported. 

Requested Resolution : Immediate deletion of XXXX XXXX  Account # XXXX from XXXX, TransUnion, and XXXX. 
Cease any further reporting of this account as delinquent or collectible. 
Ensure compliance with FCRA, Metro 2 guidelines, and IRS reporting obligations. 

Attached are screenshots supporting my claims. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am writing to file a complaint regarding a fraudulent transaction that occurred on XX/XX/year>. I sent {$74.00} through CashApp to the user XXXX XXXXXXXX with the understanding that this person would use the funds to purchase and deliver food and groceries for me. 
Unfortunately, after I sent the payment, the individual failed to provide the groceries as agreed. Instead, they ignored my messages, blocked me, and never delivered what I paid for. This clearly constitutes fraud. 
I have already attempted to resolve this matter through CashApp Support, but so far I have not received any helpful assistance or resolution. I am extremely frustrated, as I trusted the platform to protect my money from scammers. 
Details of the transaction : Date : XX/XX/year>XXXX  Amount : {$74.00} Recipient CashTag XXXX XXXX XXXXXXXX My CashTag : XXXX XXXXXXXX Issue : Paid for groceries/food that were never delivered, and then blocked by the recipient. 
I respectfully request that CashApp : Investigate this account ( XXXX XXXXXXXX ) for fraudulent activity. 
Reverse or refund the {$74.00} that was stolen from me. 
Provide stronger action or support to ensure users are not scammed in this way. 
Please take this complaint seriously, as I rely on CashApp and need to trust that my money is safe. I would greatly appreciate an update on the status of this case and the steps you will take to resolve it. 
Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: CT

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-18 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: Block, Inc.
State: WV

Complaint narrative:
Yes my phone was stolen and when I got it back I had purchases on my account that I didnt make. I disputed th

em but two of them were pending for two days. When they finally went through I disputed them and they automatically set my account for fraud. Then I guess my account was hacked because I got an em
ail saying that it was unlinked from my account to contact them if it wasnt me. So I contacted them so that I could access my account and withdraw my funds and I havent been able to get a resolution to anything. They keep just giving me the run around and told me create a new account so that I could transfer the money from my old account into my new account. Well after doing that as soon as I verified my account they closed it and still didnt verify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: AZ

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge. I have never opened, authorized, or managed these accounts, and their presence on my credit report is unacceptable. They present inaccurate and misleading information about my financial history, which I take very seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
XX/XX/year>XXXX  Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington , DC XXXX To whom it may concern, Re : Complaint against JPMorgan Chase Bank , N.A . Account freezes and access denial I submit this complaint regarding JPMorgan Chase Bank , N.A . Chase. On XX/XX/year>, Chase flagged as fraudulent a recurring monthly rent payment to my landlord and, as a result, froze all three of my Chase credit card accounts. I was unable to access or use any of my accounts from XX/XX/year>XXXX  through XX/XX/year>, a period exceeding three weeks. While I appreciate the importance of fraud prevention, a temporary verification hold is materially different from a prolonged restriction that prevents access to funds and ordinary banking for weeks. The extended freeze caused significant hardship : I could not access funds, make payments, or use essential services. I raised the issue with Chase and later submitted a written demand for compensation. Chase declined, citing Cardmember Agreement language about the right to decline transactions and disclaiming liability for losses associated with a declined transaction. My complaint is not about a single declined charge ; it concerns the unreasonable duration of a full-access freeze across multiple accounts. 
In my view, Chase failed to investigate and resolve the restriction in a timely manner as required by federal consumer protection standards governing electronic fund transfers and account access, including the duties to promptly investigate and correct access issues. 
Resolution sought : I request monetary compensation in the amount of USD XXXX to address the hardship, disruption, and reputational harm caused by the prolonged freeze of all three accounts. 
Key facts : Dates of freeze : XX/XX/year>XXXX  to XX/XX/scrub> XXXX XXXX 
Accounts affected : three Chase accounts, including credit card ending in XXXX. 
Consequences : inability to access funds or make payments, disruption of essential financial obligations, stress and inconvenience. 
Bank response : written refusal to compensate, relying on general right to decline transactions rather than addressing the length and scope of the full-access freeze. 
Please forward this complaint to Chase for a written response and review. I am available to provide documents supporting the dates, communications, and impacts described above. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I have had USSA XXXX  credit card since XXXX. Very seldom I use USSA card and make my normal minimum {$15.00} each month and had never charged USSA card at all. Even though I made my payment of {$15.00} yet with interest alone the USSA XXXX  wants {$120.00} on interest alone and wont work with I. I am a XXXX XXXX XXXX retired college teaching science for adult. I have became Chronically XXXX as of XX/XX/XXXX. I have child a high school with my wife chronically sick with XXXX since XXXX. USSA  XXXX  didnt, could not work with me and mad me closed my account or come up with {$120.00} now. Therefore all interest are not allowed since all charges were XXXX years ago and I am totally disputing all.

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 2025-08-18 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: FL

Complaint narrative:
I've been a victim of fraud, and as a result, there are fake accounts and debts under my name. I'd really appreciate it if you could keep this in mind when looking at my credit report and take the necessary steps to fix any mistakes or fraudulent actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: GA

Complaint narrative:
Showing charged off but still reporting monthly Accounts not showing accurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: FL

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

1681c2 ) that you, the Experian 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 XXXX XXXX  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 US 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 2025-08-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KS

Complaint narrative:
I make mortgage loan payments to Carrington Mortgage Services through autopay deducted twice a month from my bank account. An increase in escrow in XX/XX/year>XXXX  required an increase in the payment amount, but the company did not apply the increased payment. This resulted in the payment being less than the amount due. The company did not notify me of the problem or attempt to correct the problem. Instead, it published a XX/XX/year> statement showing a double payment due, as though the XXXX payments had not been applied to the loan. The company sent me a statement in the mail stating that the loan was in default, and reported a late payment to the credit reporting bureaus, causing my credit score to drop. I called the company to inquire, and they agreed that the adjustment to the automatic payment was not sufficient to cover the increase in escrow, but they refused to correct the credit reporting. I was told by two different representatives of Carrington Mortgage Services that I need to make a payment of {$67.00} by the end of XX/XX/year>XXXX   in order to bring the loan up to date. However, when I attempted to make the payment through the website and through the automatic phone payment system, I was not able to enter a payment amount less that the full monthly payment of {$1500.00}, again making it appear as though the XXXX payments were never applied to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: FL

Complaint narrative:
This late payment report is inaccurate and not indicative of my payment habits. I request its removal following investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Dispute of Fraudulent Loan Accounts Pursuant to 15 USC 1681i Credit Bureaus I am writing to formally dispute a fraudulent loan account that has appeared on my credit report, as reported by your agency. This dispute is being made under the provisions of 15 USC 1681i, which governs the correction of inaccurate or fraudulent information on consumer credit reports. I have recently become aware of an account listed on my credit report that I believe is the result of identity theft. The details of this fraudulent account are as follows santander Account number XXXX Open/closed Closed Date opened XX/XX/XXXXXXXX  remove and delete jmpcb Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card XXXX XXXX XXXX - XXXX XXXX Balance updated - Original balance {$10000.00}, Account info Account number XXXX, Account number {$7000.00} 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