vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Electric company allowed unknown persons to open XXXX accounts at XXXX different addresses, XXXX different cities, XXXX XX/XX/XXXX in XXXX TX, XXXX XX/XX/XXXX in XXXX TX and XXXX XX/XX/XXXX in XXXX TX using my SSN without verifying information. 
All XXXX accounts were closed by electric on XXXX XX/XX/XXXX. Obviously, a red flag on their end prompted an additional inspection of applicant or applicants, all were closed on the same day. The thieves received electric services adding up to {$870.00}. 
Electric company realized that somewhere during the identification process, the documents provided were not valid ; a requirement listed on XXXX 's website as well as verbally when you call them. 
Electric company in turn allowed this to sit in their database for close to a year before sending it to a collections agency, which then reported it to a credit rating company regardless of the fact that they knew that I was not responsible for the accounts identified BY THEM as not valid. 
Causing damage to my credit rating. 
I can only assume why they wanted me, the victim to jump through hoops and process a police report and file online on this website. They could acknowledge their error, take the report off of my credit rating, do their own police report, do their OWN homework and identify where in the process of starting an account they messed up and fix it. 
Obviously, we did not receive any requests for payments because the only information they had, again just reiterating XXXX XXXX did not do the usual checks as the thieves were able to open accounts. 
We have had an account with them in XXXX, all bills were paid. In order to get electric service, we had to verify with DL numbers and SSN card, date of birth, deposits. As well as sending in pictures of our DL and SSN.

After speaking with them regarding these accounts in the English language for a good 20 minutes, they sent me information in XXXX... obviously the language selected by the thief/theives on their account and no doubt the language used in any phone correspondence with them at the time they were allowing them to open an account with my ID and SSN.

Below is one of the requirements, from their website. This is the minimum requirements because my daughter had an account with them within the last two years and had to have many forms of id sent to them as well as many voice calls.

" Documents must be valid and not expired '' is listed as required by XXXX  in their posted on their website. 

They received documents from the thief/thieves that were not valid...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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 not responsible for these accounts and formally request their removal within 15 days as required by the Fair Credit Reporting Act.

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 2025-12-15 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: LA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: NJ

Complaint narrative:
My name is XXXX XXXX XXXX here is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: NJ

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I am submitting this complaint regarding JPMorgan Chase Bank, N.A.s improper handling of a consumer dispute, which resulted in an unjustified reversal of credited funds and a negative account balance. 

I disputed a transaction involving the application XXXX on or about XX/XX/year>. This dispute concerned one single transaction and one continuous matter. Chase initially approved the dispute and issued a provisional credit, acknowledging the validity of the claim. 

Subsequently, without adequate explanation or legal justification, Chase reversed a portion of the credited amount, approving part of the dispute while denying the remainder, despite the fact that the dispute was not divisible and arose from the same transaction and circumstances. 

This partial approval and partial denial of a single dispute is arbitrary, inconsistent, and procedurally improper, and it directly resulted in my account being left with a negative balance, causing financial harm and potential fees. 

Chase has failed to provide : A valid legal or factual basis for dividing one dispute into multiple determinations Documentation supporting the partial denial A clear explanation consistent with the Fair Credit Billing Act ( FCBA ) and applicable dispute-resolution standards Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and Regulation Z ( 12 C.F.R. 1026.13 ), a creditor must conduct a reasonable investigation and may not unfairly reverse credited funds when a dispute remains unresolved or when the transaction is part of the same billing error. Chases actions do not meet these standards. 

As a result of Chases improper conduct : Funds previously credited were reversed My account balance became negative I experienced financial harm due to Chases unilateral decision

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Block, Inc.
State: SC

Complaint narrative:
My old cash app card purse and all was stolen back XX/XX/year> and I don't remember info so had to set up new acct and trying to order the free new card on my new acct I have {$110.00} in this acct now and I need it bad how can I get my money immediately without a card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: MO

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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 observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

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 2025-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CrossCountry Mortgage LLC
State: PA

Complaint narrative:
My mortgage was started on XX/XX/XXXX. All payments regarding taxes, loan, and insurance were placed in escrow as per closing documents paperwork. First issue occurred in XXXX of XXXX, when I was notified by mortgage company for failure to have active insurance policy, as well as discovering my closing documents stated my payments were to be escrowed however Crosscountry failed to pull the required funds and misfiled the paperwork. Between my agent, and the mortgage company, a new homeowners policy was established in XXXX of XXXX, and " escrow was fixed '' according to CrossCountry. XXXX of XXXX, CrossCountry call me stating I am now subject to penalty as my home has " gone a year without homeowners insurance ''. Even though we just established another, new, policy in XXXX of XXXX, lasting until decemver of XXXX. It took me weeks and weeks of calling, and especially asking my Loan agent from Cross country for help, hours on the phone, to not even get a resolution. Numerous people of large titles promised to call me back, my loan agent goes week to week without even messaging me back. He sends things like " dont worry im friends this guy, I'll get it fixed soon. '' I was breaking down, filled with XXXX  and terror, that my wife and XXXX babies were now in trouble and we didnt have the ability to fix it. I was terrified beyond belief, and it was the second time Crosscountry failed to communicate or even do paperwork. In XXXX of XXXX, they still were not escrowing for my insurance, even though my closing documents stated otherwise. Now, over a week ago, I called in early XXXX about not being able to access my account. It says my loan is closed. For over a week now, I still can not access my loan. I feel taken advantage of, my loan agent used very deceptive sales tactics promising no issues at all, and I feel preyed upon. They cant even call me back when I am not able to even access my account. I need serious help for why this continues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: PA

Complaint narrative:
Several credit accounts and collection entries are being reported with inaccurate, inconsistent, or unverifiable information. These include charge-offs and late payment histories that do not align with documented payment activity, balances that appear inflated or inconsistent with original amounts, and collection accounts reported without proper validation or proof of ownership. Some accounts continue to show rolling late payments even after being closed, modified, or charged off, which indicates improper reporting. I submitted disputes to the credit bureaus requesting verification, but the bureaus continued reporting the same negative information without providing evidence that the furnishers validated the data. This ongoing inaccurate reporting has negatively affected the credit file and does not meet the Fair Credit Reporting Act requirement for maximum possible accuracy.

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 2025-12-15 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 report is being submitted to address inaccuracies on my credit report. Equifax has verified that a system malfunction caused my personal information to be leaked and subsequently used without my consent. I have faced denial of credit because of this, and I am requesting prompt resolution within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
XXXX XXXX is furnishing identity theft accounts documented in FTC Identity Theft Reports # XXXX and # XXXX. 

In a letter dated XX/XX/year>, XXXX XXXX admitted it could not provide documentation or verification, yet continued furnishing the accounts. 

This violates FCRA 623 ( a ) ( 6 ), 605B ( c ), and 623 ( a ) ( 3 ). 

I request deletion and enforcement action.

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 2025-12-15 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: MD

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

Company 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 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
I was a member of SoFi Bank since year XXXX. I used this account as a secondary account to save and manage my funds. On XX/XX/XXXX I received a notice of irregular activity which there was none. I deposited a bonus check that I received from my employer on XX/XX/XXXX for {$1000.00} the funds were supposed to be available on XX/XX/XXXX. On XX/XX/XXXX, SoFi restricted my account and would not let me access my funds. I was also set up for direct deposit for my part-time job and I had to update my direct deposit information with my part-time employer because SoFi restricted my account and I was not able to access my funds. Due to this restriction, I was not able to pay bills, its the holiday season, I was not able to handle such shopping.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: AR

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, must allow at least 21 days between the statement date and the payment due and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
Suspicious activity of money being put in my account it says I have a check and use the savings and a checkings and savings account and all I deposit it was like {$2000.00} but it said I would like {$4000.00} or something like that I just want my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: PA

Complaint narrative:
Several credit accounts and collection entries are being reported with inaccurate, inconsistent, or unverifiable information. These include charge-offs and late payment histories that do not align with documented payment activity, balances that appear inflated or inconsistent with original amounts, and collection accounts reported without proper validation or proof of ownership. Some accounts continue to show rolling late payments even after being closed, modified, or charged off, which indicates improper reporting. I submitted disputes to the credit bureaus requesting verification, but the bureaus continued reporting the same negative information without providing evidence that the furnishers validated the data. This ongoing inaccurate reporting has negatively affected the credit file and does not meet the Fair Credit Reporting Act requirement for maximum possible accuracy.

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 2025-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: GA

Complaint narrative:
On today 's date Monday XX/XX/2025, I received a notice from my cashapp account that it had been closed for violating of Terms of Service. I called customer service who can not offer any information as to why the account was closed or what terms of service did I actually violate. I have been with this platform for years and have never knowingly violated any terms of service. I have used the platform in compliance with the company 's terms services and policies. I only used the platform to send and receive money from peer to peer, family members and close friends. To make ordinary purchases from merchants like XXXX etc. Here is a list of there terms of violations. Prohibited Transactions : Gambling, XXXX XXXX, weapons, adult content, stolen/counterfeit goods, scams, or fraud. 
Identity Issues : Mismatched names, SSNs, or DOBs ; using someone else 's info. 
Financial Maneuvers : " Structuring '' ( breaking up transactions to avoid reporting ), running multiple accounts, or excessive chargebacks. 
Security & Malicious Activity : Hacking, enabling minors, or bullying/harassment. 
Reselling Services : Using Cash App for business purposes without proper authorization or reselling its services. 
Inactivity : Accounts unused for over XXXX years with no funds may be closed. 
I haven't violated any if these terms. So I would like an legal explanation as to why my account was closed. This has caused so much panic and frustration because I just changed my direct deposits from my employee to br direct deposited to this platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
These accounts are not under my name, and I request they be removed within 15 days as required by the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief