vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I went to Chases ATM on XX/XX/year> to deposit {$2000.00} but the ATM only registered {$1000.00}. As soon as I noticed on my receipt I called Chase I was told they would do an investigation and in the meantime credit my account ( which they did ) a few days later XX/XX/year> they took the credit back so I called Chase again and was told they could not locate the {$1000.00}. So I asked for them to please check again and was then told they could not find my money and there was nothing else for them to do. So I asked for the findings/proof of investigation which I was then told they wouldnt give me that information for me to subpoena them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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:
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. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if 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 non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  was taking out my cash app account and was sent to varo bank and the account was closed. Cash app gave me $XXXX   dollars back as a transfer I couldn't do anything."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have identified collection accounts on my credit report that I believe contain inaccurate information. Under my rights provided by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate credit report. I request that these accounts be reviewed, and if they can not be properly verified as accurate, they must be deleted from my 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 2025-09-09 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: FL

Complaint narrative:
I am writing to dispute inaccurate and/or incomplete information that you are furnishing to the credit reporting agencies regarding the above-referenced account. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) and 1681s-2 ( b ).

Disputed Information 1. Date of First Delinquency ( DOFD ) My credit report shows the DOFD as XX/XX/year>. However, your reported payment history indicates delinquency beginning in XXXX XXXX, with balances rolling forward and never brought current. The true DOFD should therefore be XXXX or XX/XX/year>, not XX/XX/year>. 
2. Contradiction : Date Closed vs Ongoing Activity The file shows the account closed in XX/XX/year>, yet balances, scheduled payments, and past-due amounts continued to be reported through XX/XX/year>. This is contradictory and inaccurate. 
3. Conflicting Last Payment Dates One section shows the last payment as XX/XX/year>, while another shows XX/XX/year>. These can not both be true, and this conflict renders the reporting unreliable.

4. Available Credit The account is reported as charged off and closed. However, you are reporting that I have {$450.00} available credit. A charged-off account should not list any available credit.

5. Incomplete or Inconsistent Payment History Narrative codes 262 ( 120 days late ) and 263 ( 150 days late ) appear in some history but not in others where delinquency is clear. This inconsistency must be corrected.

6.- This account was settled or reconciled to be delete on my credit report with an Agent XXXX  XXXX XXXX after the paid in full of the amount the account was reconciled. From XX/XX/year> to XX/XX/year>. Five ( 5 ) consecutives payments of {$200.00} was paid from my account. That means this account should be delete long time ago from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute inaccurate and/or incomplete information that you are furnishing to the credit reporting agencies regarding the above-referenced account. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) and 1681s-2 ( b ).

Disputed Information 1. Date of First Delinquency ( DOFD ) My credit report shows the DOFD as XX/XX/year>. However, your reported payment history indicates delinquency beginning in XXXX XXXX, with balances rolling forward and never brought current. The true DOFD should therefore be XXXX or XX/XX/year>, not XX/XX/year>. 
2. Contradiction : Date Closed vs Ongoing Activity The file shows the account closed in XX/XX/year>, yet balances, scheduled payments, and past-due amounts continued to be reported through XX/XX/year>. This is contradictory and inaccurate. 
3. Conflicting Last Payment Dates One section shows the last payment as XX/XX/year>, while another shows XX/XX/year>. These can not both be true, and this conflict renders the reporting unreliable.

4. Available Credit The account is reported as charged off and closed. However, you are reporting that I have {$450.00} available credit. A charged-off account should not list any available credit.

5. Incomplete or Inconsistent Payment History Narrative codes 262 ( 120 days late ) and 263 ( 150 days late ) appear in some history but not in others where delinquency is clear. This inconsistency must be corrected.

6.- This account was settled or reconciled to be delete on my credit report with an Agent XXXX  XXXX XXXX after the paid in full of the amount the account was reconciled. From XX/XX/year> to XX/XX/year>. Five ( 5 ) consecutives payments of {$200.00} was paid from my account. That means this account should be delete long time ago 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 non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: WA

Complaint narrative:
I contacted customer service 4 separate times to ask about the investigation and or a provisional credit. It's been 10 business days and no credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: OH

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: CA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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:
To whom it XXXX concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section XXXX. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act XXXX XXXX. I have previously contacted the relevant companies and have determined that these actions XXXX have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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:
To whom it XXXX concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section XXXX. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act XXXX XXXX. I have previously contacted the relevant companies and have determined that these actions XXXX have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: PA

Complaint narrative:
They violated my rights as a consumer under 15 USC 1681B. I need these items blocked and removed from my credit report. 

XXXX XXXXXXXX Account number XXXX Balance {$290.00} Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Balance {$0.00} Date opened XX/XX/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 2025-09-09 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-09-09 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:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank XXXX Department XXXX : Request for XXXX XXXX XXXX XXXX XXXX Dear XXXX Department, I am writing to formally request a proper investigation into the following unauthorized charges, which I did not make : XXXX XXXX {$350.00} XXXX XXXX de XXXX {$230.00} XXXX XXXX {$220.00} Although I filed my dispute, I was informed of a resolution the very same day, which makes it clear that no real investigation was conducted. That is not a fair or accurate process. 

I demand a thorough and genuine investigation of these transactions. I have attached supporting documentation as proof. I kindly ask that Chase reviews this matter seriously, as these charges are not mine, and provides a proper resolution. 

Thank you for your immediate attention. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: TX

Complaint narrative:
On XX/XX/year>, I made a {$790.00} payment through XXXX XXXX XXXX XXXX to a company listed as XXXX XXXX. It was later revealed the actual service provider was XXXX XXXX XXXX, a name that only appeared after payment was processed. I immediately disputed the transaction due to misrepresentation of services. 

On XX/XX/XXXX, I opened a dispute with PayPal.-, they kept extended the resolution date every 5 days until a denial in the sellers favor with no explanation or proof as to why. I provided all required documentation and escalated the case after it was denied. On XX/XX/XXXX, I filed an appeal. On XX/XX/XXXX, I received an email from PayPals Executive Office stating that if no refund was issued by XX/XX/XXXX, PayPal would automatically proceed with the dispute on my behalf. 

Despite this written assurance, PayPal did not proceed as promised. Instead, the Resolution Center continued extending the estimated resolution date XX/XX/XXXX became XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX without any explanation or refund. The case remains unresolved even though all supporting documentation was submitted. The shifting deadlines contradict the executive offices confirmation and create an exhausting cycle of delay with no clear timeline. 

I am requesting the CFPB hold PayPal accountable for misleading and inconsistent dispute handling, failure to follow their own policies, and for undermining consumer protection procedures. I am seeking a full refund of {$790.00} and permanent closure of the case in accordance with their executive teams written communication.

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

Complaint narrative:
I am submitting this formal complaint against Equifax for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Equifax with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX of which are identity theft-related and should have been blocked under XXXX681c-2 of the FCRA.

Equifaxs refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/2025, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$13000.00} XXXX XXXX XXXX XXXX XXXX  -- {$11000.00}

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if 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 non-monetary relief