vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 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: PA

Complaint narrative:
My Equifax credit report reflects late payment remarks that I strongly believe are inaccurate. These incorrect records are negatively impacting my financial standing and must be corrected immediately. The disputed accounts are XXXX ( Account # : XXXX ), XXXX XXXX ( Account # : XXXX ), and XXXX  ( Account # : XXXX ). These inaccuracies raise serious concerns about the reliability of Equifaxs reporting practices. Other major credit bureaus have already removed or corrected similar accounts due to the lack of verifiable proof, making it unacceptable for Equifax to continue reporting this misleading information. As mandated by the Fair Credit Reporting Act ( FCRA ), Equifax must conduct a thorough reinvestigation and provide verifiable documentation proving the legitimacy of these late payment notations. If no such proofincluding original creditor records with a wet signaturecan be produced, I expect these late payments to be removed immediately. I demand full compliance with federal law and expect a prompt resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: REGIONS FINANCIAL CORPORATION
State: IN

Complaint narrative:
I attempted to pay {$2000.00} to an individual via XXXX from the Regions Online Banking app. I received email confirmation that the transaction had been completed, but the recipient did not receive the money. In addition, the recipient never received any confirmation that he had received a payment. I asked Regions Bank to investigate. Regions contacted XXXX, and XXXX stated that the money was deposited to a bank account associated with the recipient 's phone number. I have simply requested to ascertain THE NAME AND THE ACCOUNT NUMBER OF THE FINANCIAL INSTITUTION WHERE THE FUNDS WERE ALLEGEDLY DEPOSITED, BUT NEITHER XXXX NOR REGIONS BANK WILL GIVE ME THAT INFORMATION. 
XXXX/XXXX/2025 XXXX Debit from Regions Bank Ref # XXXX ( {$1000.00} ) XXXX/XXXX/2025 XXXX Debit from Regions Bank Ref # XXXX ( {$1000.00} ) I simply want the NAME and the ACCOUNT NUMBER of the financial institution where the funds were allegedly deposited so that the money can be recovered.

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 2025-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/XXXX, I deposited my {$17000.00} IRS tax refund check into my Chase Bank account. Chase cashed the check and accepted the funds but has refused to release my money despite full verification of my identity. 

I have provided Chase with all required verification documents, including : SSA-89 and SSA-2458 forms verifying my Social Security Number.

Direct confirmation from the IRS that the check is valid and was issued to me. 
Tax documentation proving I am the rightful recipient. 

On XX/XX/XXXX, Chases Fraud Department ( Agent XXXX ) confirmed to me that : Chase will never release my funds under any circumstances. 
Chase has no timeline to turn over my funds to Michigan Unclaimed Property.

Chase stated that I will not get my money back. 

This is a serious violation of multiple federal banking laws and escheatment laws. Chase can not legally hold consumer funds indefinitely without returning them to the rightful owner or turning them over to the state. 

Chase is violating the following laws : Conversion of Funds ( MCL XXXX & Federal Banking Precedent ) Chase wrongfully possesses funds that do not belong to them. 

Breach of Contract ( UCC 4-401 ) Chase cashed my check but failed to make funds available.

Expedited Funds Availability Act ( 12 U.S.C. 4001 et seq. ) Chase has held my deposit beyond the legal limit.

CFPB Consumer Protection Laws ( 12 U.S.C. 5531 UDAAP Rules ) Chases actions constitute unfair and deceptive banking practices.

Truth in Savings Act ( 12 U.S.C. 4301-4313 ) Chase failed to provide written notice of why my funds are being held indefinitely.

Failure to Follow Escheatment Laws ( Michigan & Federal ) Chase refuses to turn over my unclaimed funds to the Michigan Treasury, despite confirming they do not intend to return them to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

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 2025-03-04 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:
I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXXXX/XX/XXXX Account Number : XXXX Balance : {$0.00} Reason : I am disputing the reported late or missed payments on this account, as I believe they may be inaccurate. I request a full validation of this information, including detailed statements and records of all payments made and missed since the account was opened. If the creditor can not provide accurate and verifiable proof of these late payments, I ask that they be removed from my credit report immediately. 

Account Name :XX/XX/XXXX Account Number : XXXX Reason : I am disputing an account from XX/XX/XXXX ( Account # XXXX ) on my credit report. I have no knowledge of this account, have never done business with this company, and the listed address is not mine. I request its removal unless fully verified with proper documentation. 

INQUIRIES TRANSUNION : XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX The items in question appear to be inaccurately reported or have already been resolved, and I respectfully request a thorough investigation and correction. I have previously contacted both the credit reporting agency and the data furnisher, but the issue has not been resolved. To support my claim, I have attached documentation and screenshots of my credit report showing the discrepancies. Please investigate this matter promptly and update my credit report to reflect the accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXngelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-04 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXngelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-04 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: TX

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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:
My name is XXXX XXXX, and I am formally disputing the inaccurate information listed on my credit report. In accordance with XXXX XXXX. XXXX and XXXX XXXX. XXXX, I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. 
Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to XXXX XXXX. XXXX, I do not owe any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report. 
Please address this matter promptly and confirm the removal of the disputed entries.

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 2025-03-04 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:
My name is XXXX XXXX, and I am formally disputing the inaccurate information listed on my credit report. In accordance with XXXX XXXX. XXXX and XXXX XXXX. XXXX, I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. 
Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to XXXX XXXX. XXXX, I do not owe any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report. 
Please address this matter promptly and confirm the removal of the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 explanation
Consumer complaint received 2025-03-04 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:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

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 2025-03-04 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of The accounts that are included in my attachments and are seen on my credit report.

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 2025-03-04 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of The accounts that are included in my attachments and are seen on my credit report.

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.

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 2025-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: DC

Complaint narrative:
My money was stolen from XXXX XXXX, and I didnt know about the class action lawsuit that was put in place for this problem and I was never notified of anything or reimbursement of any kind

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Goldman Sachs Apple Card a dispute was filed back in XXXX. GS misfiled the dispute and it was denied. If GS had filed it properly it would not have been denied.

Because GS was negligent, Im. It able to get this resolved.

Email due to XXXX XXXX request for ONLY electronic communication.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-04 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of The accounts that are included in my attachments and are seen on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
So there was 51 transactions a total of XXXX  something XXXX well first the operater who did my claim only put 42 unauthorized transactions when there was 51 all together well they denied my claim in 3 days I dont see how its ok to take money out of my account unauthorized at that and the chime denied me and Im broke and just got my taxes and now I have nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: PA

Complaint narrative:
Equifaxs failure to properly investigate consumer disputes has been widely documented by the Consumer Financial Protection Bureau ( CFPB ), even leading to legal action for violating the FCRA. This ongoing pattern of noncompliance is unacceptable, and I will not allow my credit report to suffer due to Equifaxs negligence. I expect immediate corrective action regarding the errors on my credit report, which include XXXX XXXX with account number XXXX and a balance of {$1300.00}, XXXX XXXX with account number XXXX and a balance of {$1700.00}, XX/XX/XXXX with account number XXXX and a balance of {$1700.00}, XX/XX/XXXX with account number XXXX and a balance of {$880.00},XX/XX/XXXXXXXX with account number XXXX showing {$0.00}, XX/XX/XXXX with account number XXXX inaccurately reporting {$6700.00}, XXXXXX/XX/XXXX with account number XXXX listing {$1100.00} XXXX XXXXXX/XX/XXXX with account number XXXX showing {$3500.00} , andXX/XX/XXXX XX/XX/XXXX with account number XXXX incorrectly reporting a {$0.00} balance. Other errors include XX/XX/XXXXXXXX with account number XXXX listing {$590.00}, XXXX with account number XXXX reporting {$490.00}, XXXX XXXX XXXX with account number XXXX showing {$2100.00}, XXXX XXXX XXXX with account number XXXX reporting {$1300.00}, XXXX XXXX XXXX with account number XXXX listing {$3300.00}, XX/XX/XXXX with account number XXXX showing {$4800.00}, andXX/XX/XXXXwith account number XXXX reporting {$1700.00}. Federal law ( 15 U.S.C. 1681i ) clearly requires Equifax to conduct a thorough reinvestigation of disputed information within 30 days. Any item that can not be 100 % verified must be removed immediately. I demand that these errors be corrected without delay, as they are actively damaging my financial well-being. Continued noncompliance will not be ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX Aattorneys law send me a letter letter trying to collect a debt from discovery bank ending XXXX file # XXXX I request information about the account to verify is my but unless I provide my social security or date of birth they are not giving information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I very recently applied for a Citi Bank Simplicity card in order to take advantage of a balance transfer offer. On the day I applied my scores on XXXX was XXXX, and on XXXX XXXX showed XXXX at XXXX and XXXX at XXXX I was denied. In my denial letter, XXXX had reported to them my score as XXXX! They denied me! 

I have excellent credit and a great history, I have worked hard and diligently. to get where I am. 


I firmly believe Citi only wants people to take advantage of balance transfer offers if it will only benefit them in the end. Perhaps something they look for in our credit reports that shows we will likely pay off that balance transfer offer

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 2025-03-04 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:
XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX Experian XXXX XXXX Auto Dealers, New XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX All Banks XX/XX/XXXX Experian XXXX XXXX All Banks XX/XX/XXXX Experian

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of XXXX XXXX. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of XXXX XXXX. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address and SSN 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