vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
In XX/XX/year>, I reported fraudulent activity on my Chase account after discovering that unauthorized individuals had deposited counterfeit checks and conducted XXXX transfers that I did not authorize. These same individuals were responsible for both the fake deposits and the XXXX transactions. 

I promptly contacted Chase, filed a fraud report, and went into a branch in person. Chase acknowledged the fraudulent check activity, closed the compromised account, and opened a new one for me. However, they have failed to address or resolve the unauthorized XXXX transactions despite these being part of the same fraudulent scheme. 

XXXX of the individuals involved had their account closed by Chase after my report. I was briefly able to contact this person, and they claimed they never received the XXXX funds which I know is untrue, as they subsequently blocked me after that conversation. I have a screenshot of that conversation and an image showing their account was closed, although the image does not display their name. 

Ive made every effort to cooperate with Chase and have provided all available information. Despite this, Chase has not provided a clear resolution or explanation, nor have they refunded the funds lost via the unauthorized XXXX transfers. This has caused significant stress and financial harm. 

I am requesting that the CFPB assist in compelling Chase to : Fully investigate the unauthorized XXXX transactions I reported. 

Refund the amounts that were fraudulently sent via XXXX without my authorization. 

Provide a clear, written explanation of their findings and decision. 

I can provide supporting documents upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: MI

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 2025-05-21 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:
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 non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My name is XXXX XXXX and i am here from last 2 years and I suspected some suspecious activities in my banking accounts someone is using my information and credits and I got scammed in Housing rental and facing eviction case because got scammed in payroll taxes and now someone tried to get unemployement benefits and opend a line of credit on my finanicial credits need help asap

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 2025-05-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Information under 15 U.S.C. 1681 To Whom It May Concern : I am writing to formally dispute certain information contained in my credit report, which I believe to be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). 

Pursuant to * * 15 U.S.C. 1681i ( a ) ( 1 ) * *, I am challenging this information and request that you conduct a reinvestigation of the disputed items. According to this section, you are required to complete your investigation within * * 30 days * * of receiving this notice.

Additionally, * * 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) * * outlines your obligation to provide a detailed summary of the investigation process and results. Please ensure that all relevant documentation supporting the outcome of the investigation is included in your response. 

Furthermore, I am asserting my rights under * * 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) * * to challenge the continued reporting of any information that is found to be inaccurate or can not be verified during the investigation process. 

Please provide written confirmation of your receipt of this dispute, as well as a prompt update once the investigation has been completed. If the information is not verified, I respectfully request that it be deleted from my credit report as required by law. 

Thank you for your attention to this matter. I look forward to your timely response. 

Sincerely, * * \ [ XXXX XXXX XXXX XXXX ] * * -- - Let me know if you want this tailored to a specific credit bureau ( XXXX, XXXX, Experian ) or creditor.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Im writing to dispute a credit inquiry that appears on my report from a company Ive never dealt with. I never gave this company permission to access my credit, and I did not authorize this inquiry in any form.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: GA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

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 2025-05-21 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
This is the second complaint for the same thing because Shellpoint is refusing to do my rate conversion. They received the letter and {$200.00} conversion fee in XX/XX/XXXX and cashed the money order the next day never doing the rate conversion. The letter and money order had the same info for the {$200.00} not to be cashed for anything but the rate conversion... I called the money order number on the XXXX and found out it was cashed already which meant they got the certified letter with the money order folded in the letter. 
They never called me. 
Since then all I hear is it's been escalated and they make up a date it will be done .. all lies .over and over. It's actually unbelievable some of the excuses I have heard. How about the countless supervisors promising they will personally get it done and PROMISE a date. 
When I do call it's always hours of frustrating lies that I have been hearing. They had 30 days as the agreement says and yet they still didn't have it done So of course I had to make another payment without the fixed rate Today I heard they have 30 days to complete anything... Well... Been that and then some since they received my certified letter and payment. 
It's in my original mortgage agreement... They already cashed the money order for the conversion fee and never did the conversion ... Their supervisors constantly giving me false information about when it going to be done... ALL WRONG. 
Even the customer service workers say they don't understand why it's not being done and should have already been done!! 
The very first one I talked to on the XXXX said the loan service specialist has the letter and received on the XXXX yet after that they kept saying they never received the letter and lots of people send random money orders without a letter or any explanation as to why they sent it... 
Again .both the letter and money order had specific instructions.... Still they did as they pleased. I had XXXX tell me they refused to do the conversion and already cancelled the request. 
I have every name of every person I have spoken to how along we spoke and what was said.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter

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 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX XXXX My address is XXXX XXXX XXXX XXXX ma XXXX Collection Agency Name : XXXX XXXX  Collection Agency Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( Equifax, XXXX  XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 

I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: LA

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litgation for defamation of character ) XXXX XXXX XXXX balance {$1400.00}, XXXX XXXX XXXX XXXX  balance {$2100.00}, XXXX XXXX {$30000.00}, XXXX XXXX XXXX balance {$6700.00}, XXXX XXXX balance {$720.00}

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 2025-05-21 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: WI

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/year>, I purchased a wig from XXXX XXXX XXXX for {$130.00} using PayPal. Prior to purchase, I reviewed influencer videos and confirmed XXXX published hassle-free return policy. Upon receiving the wig, it was significantly different from what was advertised shorter in length, with a poorly constructed hairline. The wig was never worn or altered. 
I requested return instructions from the seller beginning XX/XX/year>. Over the next 10 days, the seller ignored my repeated requests and instead offered partial refunds and exchanges. On XX/XX/XXXX, I escalated the dispute to PayPal and provided documentation. 
On XX/XX/XXXX, PayPal approved the refund and directed me to return the wig by XX/XX/XXXX. I complied and sent the wig, via USPS back to the seller. USPS confirmed the return was delivered on XX/XX/XXXX. However, on XX/XX/XXXX, PayPal reversed its decision, claiming the item was materially similar to what was advertised. 
I followed all instructions. PayPals reversal left me : ( XXXX ) without the product, left me with a loss of {$130.00}, and left me with a loss of {$9.00} postal fee for the return of the wig. This undermines consumer confidence and violates the spirit of fair dispute resolution. I respectfully request the CFPB investigate this matter and assist in securing reimbursement of my {$130.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
I am filing a complaint against Cash App XXXX Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: MS

Complaint narrative:
I have sent multiple letters to XXXX, Experian, and XXXX. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a XXXX bureau table. Please assist me in getting this issue resolved.

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 2025-05-21 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:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX : ACCOUNT NUMBER - XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: CO

Complaint narrative:
I previously held a XXXX XXXX, a checking account, and a savings account through SoFi. All three accounts were suddenly closed without warning, and together held approximately {$3000.00} of my funds. 

I contacted SoFi customer service several times over the last few weeks. Each time, Ive been told the same thing that my accounts are under review and they can not give me any timeline for when my funds will be released. I have not been given a reason for the account closures, nor have I received any formal communication in writing from SoFi explaining the situation. 

This has been going on for weeks with no progress, no refund, and no clear resolution. SoFi is now holding funds from multiple types of accounts, including a XXXX XXXX, which adds serious legal implications to this situation. 

I am requesting : Immediate release of my funds across all three accounts A formal written explanation for the closures A specific timeline for when the funds will be made available This situation is creating financial hardship and stress, and SoFis lack of communication or accountability is unacceptable. I am requesting the CFPBs assistance in recovering my funds and resolving this situation as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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 my name is XXXX XXXX XXXX I noticed multiple inaccuracies on my credit report in XX/XX/2025. I ask for immediate removal of these inaccuracies reporting negatively impacting my score on my credit report that do not belong to me. Im a victim of identity theft and these accounts are not mine. Please remove it immediately!

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 2025-05-21 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 my name is XXXX XXXX XXXX I noticed multiple inaccuracies on my credit report in XX/XX/2025. I ask for immediate removal of these inaccuracies reporting negatively impacting my score on my credit report that do not belong to me. Im a victim of identity theft and these accounts are not mine. Please remove it immediately!

Company response to consumer: Closed with non-monetary relief