vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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: AZ

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report I immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax data breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equifax data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: OPTUM BANK, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I contacted XXXX regarding bugs on their website preventing my from withdrawing money from my XXXX account into my checking account. I reported the errors and supplied evidence of the errors to XXXX, and over a month later the issue is still not resolved, preventing me from accessing my funds. 

In the meantime, I emailed a manual form to add my banking account information to my account and I have not received a response. I chatted back into XXXX  and they advised the email I am sending to is incorrect, despite the form having the same email address as I was sending to. XXXX still has not corrected the email address on the form. They are aware of this correct address as I have advised them, so any lack of correction would be negligent and should be deemed intentional. 

I then emailed the form using a different email address provided by the live chat agent, received an automatic reply on XX/XX/year>, and the request I made to add my direct bank information was not honored. 

Based on the lack of response from XXXX or willingness to resolve this issue, it appears they are strategically trying to prevent me from accessing my funds in a timely manner and are intentionally putting delay on this. 

The errors are related to adding my checking account from my primary financial institution so I can reimburse myself for the medical expenses I've incurred. I've attached the error that has been going on for XXXX  months now to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( XXXX  ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated XXXX XXXX any nonpublic personal information. 15 U.S.C 6802 ( b ) ( XXXX ) A financial institution may not disclose nonpublic personal information to a nonaffiliated XXXX XXXX unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such XXXX XXXX  ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such XXXX XXXX ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 XXXX  years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-10-14 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: MO

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 2025-10-14 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: MO

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. Account number is XXXX and is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
In XXXX, my Navy Federal Credit Union account ending in XXXX was closed after a case of fraud. Someone gained access to my account, disputed several legitimate transactions, and sent money to themselves. When I contacted customer service, the representative was very rude and accused me of being responsible for the fraud. I tried to appeal the decision, but I was told I could only appeal if I had new information. I explained that the transactions were not done from my phone, but the representative still insisted they were. As a result, my account was closed and left with a negative balance that I do not owe. I am requesting that XXXX XXXX remove the negative balance and reopen my account, as this situation was caused by unauthorized activity and poor handling of my fraud claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
XX/XX/year> {$370.00} XXXX XXXX XXXX unauthorized transactions totaling {$9400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
All negative accounts still show Account Not Disputed including : 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 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  Under FCRA 611 ( a ), Equifax must reinvestigate and mark these accounts as in dispute. Not doing so is misleading and inaccurate reporting.Several accounts have different balances, statuses, or last activity dates compared to XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX Equifax shows Date of Last Activity : XX/XX/XXXX, while others show XXXX. 

XXXX XXXX XXXX Equifax shows Date Reported : XX/XX/XXXX, but others show XX/XX/XXXX. 

XXXX XXXX Equifax continues verifying multiple active collections with no clear validation. 

This violates FCRA 607 ( b ) and Metro 2 accuracy requirements ( field-level consistency ) XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX ) both show Date of Last Activity : XXXX XXXX, but the accounts opened in XXXX. 
This appears to be re-aging, which is prohibited under FCRA 623 ( a ) ( 5 ) and Metro 2 4.2.2 ( dates must reflect original delinquency ) .Equifax has verified these same accounts multiple times despite ongoing disputes and no validation from furnishers ( XXXX, XXXX XXXX XXXX ). 
That violates FCRA 611 ( a ) ( 1 ) ( reasonable reinvestigation ) and 611 ( a ) ( 5 ) ( must delete if unverified within 30 days ). 
XXXX is listed as Paid and Collection/Chargeoff at the same time impossible under Metro 2 logic codes. 

XXXX XXXX XXXX  is Closed but still shows a {$9600.00} past due amount. 

Violation : Metro 2 field Account Status and Payment Rating must not contradict each other.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
My husband died XX/XX/year>. I took in a copy of the certified death certificate into my local branch. They made a copy at that time but hadn't done anything and his name remains on the account. I called the main office today. They said they could not do anything and I had to go into my local branch. They also said if there were any problems that the local branch could call them for assistance. 

I go into my local branch. I give them another certified death certificate. XXXX XXXX pulled up paperwork for me to complete. The paperwork is different than my other two bank 's paperwork so I am on my guard. He wants me to print my husband 's name as if I am him and then sign on the signature line with the words deceased. I feel uncomfortable so when I print his name, I put the word deceased after it. He rips it up saying that is wrong. They won't accept that in the back office. He then prints up the paperwork again and gets his manager, XXXX. She said you don't sign on the signature line at all and that is where the word deceased goes. I complete the paperwork because it now doesn't feel so much like I am pretending to be my dead husband. We then get to the next form which is more involved. I ask for a copy of what I am filling out. She refuses. She states they are internal forms so they don't give a copy. I said I am having to sign on these forms so I would like a copy. Again, she refused. I suggested calling the main office. She refused. She also refused to allow me to use their phone. She instead says in a taunting voice, " I will put in your formal complaint ''. I tear up the form I am completing because I now really don't trust them and ask her to do the same. She initially refuses but then tears up the forms. I leave because there is no more I can do and they refuse to help. I am going to move my money as soon as I can. There has been too many problems for too many years. The comment regarding a formal complaint I believe to be related to needing a notary. I had gone in there for them to notarize some estate paperwork. They could not complete the notary. They did not know how without my assistance and I do not know enough to tell them how. I took my paperwork to my other bank and they were able to complete it without any problems. However, later I get a phone call from Chase Bank regarding my complaint. I did not put in a complaint. They said " XXXX '' put in a complaint regarding the notary. I do not know XXXX and found the whole experience is very disturbing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
This collections was already disputed byXX/XX/XXXX and I won the dispute and they have taken it off my credit report this was by the same collections company and they said I owed {$120.00} and I knew I did not because I canceledXX/XX/XXXX in XX/XX/2023 now they are reporting a totally different amount of money in {$87.00} and I know this is not my debt either and I want them to stop calling me every day

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Summary of Consumer Law Violations Portfolio Recovery Associates Portfolio Recovery Associates ( PRA ) has violated my consumer rights by using my personal information and reporting to credit bureaus without authorization or a permissible purpose, which constitutes a direct breach of federal consumer protection laws.

Key Violations : FCRA ( 15 U.S.C. 1681b ) : Reporting without a permissible purpose.

FCRA ( 15 U.S.C. 1681s-2 ) : Furnishing inaccurate or unauthorized information to credit bureaus.

FDCPA ( 15 U.S.C. 1692e & 1692f ) : Using false, deceptive, or unfair practices in debt collection.XX/XX/XXXX Compliance Violation : Failure to accurately report and verify data according to the required credit reporting format and standards. 

These actions constitute unlawful use of my private information and inaccurate credit reporting in violation of federal law. I am requesting immediate removal of the unauthorized account and full compliance with all applicable consumer protection statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I NEED TO BLOCK AND REMOVE THIS ACCOUNT : XXXX. JPMCB CARD SERVICES Account Number : XXXX - Opened : XX/XX/year> - Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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