vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
XXXX XXXX I sent a certified letter to TransUnion about a fraudulent inquiry on my credit report that was not authorized by myself. I also called TransUnion, the certified letter included a copy of my drivers license, social security card, and utility bill. Yet this inquiry remains on my credit report months later

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 2025-09-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year> and XX/XX/year> I sent $ XXXX XXXX ( I made XXXX different transactions {$500.00}, {$500.00} and then {$490.00} to XXXX different accounts XXXX, XXXX. The individual misrepresented themselves as someone I had previously worked with to purchase airline tickets. Believing this was legitimate, I authorized the transfer for airline tickets. However, I never received any ticket or confirmation, and after the payment was sent, the person cut off all communication. 
I reported this to Chase, but I was told that because I authorized the XXXX payment, nothing could be done. This is not a case of buyers remorse, this is fraud and misrepresentation. I was tricked into believing I was paying a legitimate business contact for airline tickets, but the service was never provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My Chase credit card account ending in [ XXXX ] was recently closed without clear explanation. I contacted customer service and requested reinstatement, but was told the account could not be reopened. No detailed reason was provided beyond a vague reference to internal review. 

I have been a responsible Chase customer, with a good payment history, and the sudden closure has negatively affected my credit history and financial planning. 

I am requesting the following : XXXX. A clear written explanation of the specific reason ( XXXX ) for the account closure. 
XXXX. Confirmation of whether the closure was due to internal risk models, inactivity, or another factor. 
XXXX. Reconsideration of reinstating my account, or at minimum, a fair resolution. 

I believe this action was unfair and request CFPBs assistance to ensure Chase provides transparency and an appropriate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against Transworld Systems Inc. ( TSI ) concerning their reporting of a collection account on my credit report.

Transworld Systems Inc. has reported this account as a collection without ever providing proper validation or verification of the debt, despite my dispute and request for validation. 

This conduct violates federal consumer protection laws, including : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) : Requires debt collectors to provide validation of an alleged debt and to cease all collection efforts until such validation is furnished.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) : Prohibits furnishers from reporting inaccurate, unverifiable, or incomplete information to consumer reporting agencies.

FDCPA, 15 U.S.C. 1692e : Prohibits debt collectors from using false, deceptive, or misleading representations in connection with the collection of any debt. 

Proposed Resolution To fully resolve this matter, I respectfully request the following : Immediate deletion of the Transworld Systems XXXX account from all consumer reporting agencies ( XXXX XXXX XXXX XXXX  ). 

Written confirmation from Transworld Systems Inc. that this account has been permanently removed and that no further collection or reporting activity will occur.

Assurance that Transworld Systems Inc. will comply with the FDCPA and the FCRA by refraining from reporting unvalidated or inaccurate information in the future. 

These steps will ensure that my credit file is accurate, that my consumer rights are protected, and that this matter is resolved in compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
So on cash app people say that can flip money so I sent this person XXXX and they never got to me back and blocked me and that was my only source of income. Im in college and I needed that money for rent and food and now Im sitting here broke and now Ill get kicked out with nowhere to go. So I really need my money TODAY! I was XXXX but I really need it back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-09-12 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX, XXXX  & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am submitting this complaint regarding inaccurate reporting on my Experian credit file. The account in question shows the following issues : 1. Charge-Off Reporting : The account is listed as Closed. {$1000.00} written off, with the status updated in XX/XX/XXXX. However, my last payment was on XX/XX/XXXX. After that date, the account should not continue reporting as late every single month. According to FCRA rules, negative information must be reported accurately and can not be extended beyond the original delinquency date. In this case, Experian is showing continuous CO charge-off marks in XXXX, XXXX, XXXX, and into XXXX, which artificially makes the account appear more recent than it is. 
2. Re-Aging of Debt : By updating the status in XX/XX/XXXX, this furnishes the appearance of a new derogatory event, even though the account has been inactive since XXXX. This re-aging is misleading and damaging to my credit profile. 
3. Balance & Payment Info : The report reflects a highest balance of {$1000.00} and monthly payment of {$0.00}, but continues to show derogatory information without any current balance owed. If the account was truly written off and closed, it should not still be updating as an active charge-off month after month. Resolution

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: NY

Complaint narrative:
I am submitting this complaint regarding inaccurate reporting on my Experian credit file. The account in question shows the following issues : 1. Charge-Off Reporting : The account is listed as Closed. {$1000.00} written off, with the status updated in XX/XX/XXXX. However, my last payment was on XX/XX/XXXX. After that date, the account should not continue reporting as late every single month. According to FCRA rules, negative information must be reported accurately and can not be extended beyond the original delinquency date. In this case, Experian is showing continuous CO charge-off marks in XXXX, XXXX, XXXX, and into XXXX, which artificially makes the account appear more recent than it is. 
2. Re-Aging of Debt : By updating the status in XX/XX/XXXX, this furnishes the appearance of a new derogatory event, even though the account has been inactive since XXXX. This re-aging is misleading and damaging to my credit profile. 
3. Balance & Payment Info : The report reflects a highest balance of {$1000.00} and monthly payment of {$0.00}, but continues to show derogatory information without any current balance owed. If the account was truly written off and closed, it should not still be updating as an active charge-off month after month. Resolution

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 2025-09-12 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: MO

Complaint narrative:
I am filing a complaint regarding unauthorized credit inquiries that appear on my credit report from TransUnion. I previously submitted a written dispute on XX/XX/year> ( attached ), which clearly identified the disputed inquiries as fraudulent and requested their removal. It has been over XXXX weeks, and I have received no response or resolution from the bureau.

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 2025-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: AL

Complaint narrative:
They submitted our loan to the court.We are trying to work this out with them to pay whats owed but we are being treated very unfairly.I am trying to get this payed but they keep adding more to balance owed.We just need a payment plan.They can work this out. Its our accounts first time in collections. We just need time to pay and them to accept what We can pay. Just work with us!!! Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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 am once again disputing the fraudulent items that continue to appear on my credit report. Despite my repeated efforts, including filing and submitting an FTC Identity Theft Report as directed by Experian, these unauthorized accounts remain. This ongoing issue is unacceptable and raises serious concerns about how such errors can persist for so long. In addition, my personal information is still incorrect, which is contributing to these fraudulent and inaccurate accounts being linked to me. I am a victim of identity theft, and I never authorized or benefited from these accounts. They have only harmed me and my credit.

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 2025-09-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I wrote a check to my client, and his bank ( XXXX ) cashed it and hold the fund. 
my client can't access the fund since his bank saying I an not verifiable and I am not an authorized check signor. requesting my bank, which is Bank of America to file a claim against XXXX and have then refund us. 

bank of America saying there is no claim to file. 
XXXX said : it is a matter of " cashed check '', which has to be dealt with banks.

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 2025-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
To : Consumer Financial Protection Bureau Complaint Number ( Bank of America reference ) : XXXX Subject : Unauthorized Hard Inquiry on Credit Report due to Incorrect Handling of Pre-Approval Information Dear CFPB, I am submitting this complaint regarding Bank of America and an unauthorized hard inquiry that has appeared on my credit report due to negligent handling of my pre-approval information. The details are as follows : On XX/XX/year>, I submitted an online pre-approval application for an auto loan with Bank of America. During this initial application, I mistakenly entered my date of birth with a single-digit error.

Approximately two weeks later, I contacted Bank of America to inquire whether I could increase the loan amount beyond {$17000.00} without submitting a new application. During this call, a Bank of America representative requested my date of birth to verify my pre-approval. Upon reviewing, the representative noticed the single-digit discrepancy in my date of birth. 

Without providing explicit notice or obtaining my informed consent that updating my date of birth would result in a new hard inquiry on my credit report, the representative proceeded to modify the information in the system. 

This action created a hard inquiry on my credit report unnecessarily. The update was not required for any transaction to proceed, as I already had a valid copy of the pre-approval. At no point did the representative warn me verbally that this would trigger a hard credit pull or explain the potential impact on my credit score.

I consider this negligent and improper handling of customer information, as Bank of America failed to communicate a significant consequence to the customer. The hard inquiry was entirely avoidable, and the bank did not follow proper procedures to ensure informed customer consent.

I have previously attempted to resolve this with Bank of America representatives, but the explanations provided have been inconsistent, and no corrective action has been taken regarding the unauthorized inquiry. 

I respectfully request that the CFPB investigate this matter and assist in ensuring that Bank of America takes the appropriate steps to correct this issue.

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 2025-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Best Buy Delivered the wrong Items to my home and I refused delivery and got a refund which i have proof of. Subsequently they have been dinging my credit score for the amount they allege they are owed. debt has been sold to the company below : XXXX XXXX XXXX XXXX XXXX. 
Attn : Consumer Support Services XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Phone : XXXX Re : Formal Dispute, Validation Request, Cease & Desist Notice MCM Account Number : XXXX Original Creditor : XXXX Bank Merchant Name : XXXX XXXX Original Account Number : XXXX Charge-Off Date : XXXX Current Servicer & Creditor : XXXX XXXX XXXX XXXX XXXX XXXX 

Please Take Note of the Official Refund from Best Buy regarding this fraudulent charge on Best Buy Items that were returned to Best Buy due to being the wrong item. This document is included as official exhibit. 
Officially Disputed Outstanding balance USD 1,094.51 1. Formal Debt Dispute & Demand for Validation This letter is a formal dispute of the above-referenced debt, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ). I hereby request full validation and accounting,

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 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Since XX/XX/XXXX, a total of {$25000.00} XXXX  has been mischarged to my account, and despite my numerous attempts to dispute these charges since XXXX, my claims have been repeatedly rejected without sufficient explanation. 

There are XXXX charges from XXXX XXXX, with the largest being {$2400.00}. 

On XX/XX/XXXX, XXXX separate transactions were posted on the same day, which is highly irregular. 

I have only purchased with XXXX XXXX with my debit card once, in XX/XX/XXXX. The frequency and volume of these charges are clearly inconsistent with my actual activity.

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 2025-09-13 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:
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