vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I have tried several times to transfer funds out of my XXXX  account and all I get is a transfer failed message. There's no explanation why. I tried contacting XXXX  support but their help center has a " contact us '' section that doesn't work. Calling their phone number is almost completely worthless, the only way to get a representative is to file a fraudulent transaction. When I finally spoke to the representative they were of no help at all telling me that I can't transfer to these accounts and then while I was asking questions hung up on me! I have been battling with the XXXX  app for a few months on this issue getting nowhere. Fortunately I still had one linked account that would allow the funds to be transferred otherwise the money would have been inaccessible to me. I'm

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I put in a complaint in XXXX. I see there response, that they sent a check. Well I never received it. I would like the check reissued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: FL

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted 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 explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have paid the account # XXXX on XX/XX/XXXX for the amount of {$3500.00}. 
I have received a letter from XXXX XXXX XXXX dated XX/XX/XXXX, in response to my request to remove the inaccurate information XXXX XXXX XXXX have reported about my account. However, I notice that XXXX XXXX XXXX have not adequately addressed the serious violations of the Fair Credit Reporting Act ( FCRA ) and other regulations that I mentioned in my original letter.

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 2025-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-09-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
This was the information sent to Rocket Mortgage : I would like to dispute this error on my credit report on the grounds that it was an error on Rocket Mortgages end that has now become a recurring error. I updated my autopay method in advance of my XX/XX/year> autopayment, as you can see from the attached screenshot. On XX/XX/XXXX, I received a notice that my payment was late ( attached ). Given that I had reset the autopay, I had expected that my payment would be automatically withdrawn as usual. As you can see from the attached transaction history, I made a manual payment, and the autopay also went through for the XXXX payment, meaning I actually overpaid. When I spoke to Rocket Mortgage on the phone, they agreed that if I had updated the autopayment method, then the payment should have gone through, and they were unable to explain what happened. I requested they added notes from our conversation to my account file that stated that the error was on their end. Additionally, I called back on XX/XX/XXXX to ensure that the autopay was set up properly, and was assured that it was. Then I got the notification that my payment was late, and made a manual payment, even though Rocket Mortgage could not explain the error. This is clearly a recurring tech error on their end. As you can see from the attached screenshot, both the autopayment went through, and I somehow made an additional double payment, so I triple paid for the month of XXXX. 

The response : They said that because they were unable to draw from the auto debit it wasnt their fault so wouldnt offer the correction. I explained that the bank account was fine and was pulling other auto debits and that both rocket and the bank had told me it was set up correctly, and thats when they realized they still had the first republic routing number. But it had been auto debiting correctly for some time after XXXX had taken over my account. So thats why they said if XXXX says its their fault they can issue a correction letter. But in reality all that matters is that its not our fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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:
Under FCRA 15 USC s1681c-2 ( section 605B ), fraudulent items must be blocked within 4 business days upon receiving an identity theft report. 15 USC s1681s-2 requires furnishers to ensure accuracy and stop reporting disputed accounts unless verified. 15 USC s1681e ( b ) mandates that agencies ensure maximum accuracy. Under 15 USC s1692c ( a ) ( 2 ), collection activities must cease regarding debts from identity theft. Finally, under 15 USC s1681 ( a ) ( 2 ), I never gave authorization for these accounts to be reported. 

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 Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: FL

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL, XXXX Equifax XXXX XXXX XXXXXXXX XXXX, GA XXXX Your Account Number XXXX Account Name XXXXXXXX XXXX {$2400.00} Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXXXXXX XXXX, resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-02 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: NJ

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting that TransUnion, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud. You are required by law to block the fraudulent information within four ( 4 ) business days of receiving this request. 

Fraudulent Accounts to Be Removed XXXX  XXXX BANK XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$860.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : Not Listed XXXX CARD Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5300.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$190.00} XXXX ( Student Loans ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} Date Opened : XXXX XXXX, XXXX Balance : {$1000.00} Date Opened : XXXX XXXX, XXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX Balance : {$3600.00} Fraudulent Inquiries ( 7 Total ) XXXX  CARD Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX  XXXX BANK XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Statement of Harm These accounts and inquiries have resulted in fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. 

I have attached the following for your review and records : A list of the fraudulent hard inquiries in question. 

A copy of my consumer credit report maintained by TransUnion showing the fraudulent items. 

A copy of the FTC Identity Theft Criminal Complaints # XXXX and # XXXX as proof from the U.S. Federal Trade Commission that the accounts, collections, and inquiries in question are fraudulent. 

I do not recognize these accounts, collections, or inquiries as reported. They were not opened, authorized, or initiated by me. All of the above are the direct result of identity theft and fraud. 
TransUnion is required to block all of the fraudulent accounts, collections, and inquiries listed above within four ( 4 ) business days of receipt of this complaint, pursuant to FCRA 605B.

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 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I state that the false late payment remarks on my accounts are a violation of 15 USC 1666. I have always made my payments on time, and these reporting discrepancies are both unjust and unlawful.

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 2025-09-02 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: IN

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-09-02 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I logged onto my lowes credit card account on XX/XX/XXXX to check when my payment is due. It posted that i have a {$2800.00} interest charge on the card. When I called to make a dispute it said I needed to do it online. When i talked to the chat they stated Upon checking, a promotional charge on XX/XX/XXXX for {$8000.00}, which was under 12 months deferred interest with pay, has already expired on XX/XX/XXXX. Since it was not paid off, its 12 months deferred interest for a total of {$2800.00} has been billed. but ignored my question of where it explicitly states on paper that these charges will apply to my card after promotional period. Also, my new payment is XXXX as opposed to XXXX when I started making payments. That is a huge delta. This is extremely deceptive and in bad faith.

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 2025-09-02 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  XXXX XXXX  Date : XX/XX/XXXX XXXX/XXXX  XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX  XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance XXXX {$15000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year> I scan deposited a check in the amount of {$6000.00} into my Chase bank checking account and received a confirmation of acceptance of check. I also received a message that funds would be available XX/XX/year>. On XX/XX/year>, I received a message from Chase Bank via the Chase App that my checking account was locked. When I called to inquire about the locked account I was told the check looked suspicious and they were trying to reach writer of check via phone to verify check. The witer of check is my father who loaned me the money to pay my home mortgage. Chase had no current number for my father only old landlines line numbers. I provide Chase with his current cell phone number but was told by Chase rep that the number given was not registered in my father 's name according to the phone check service Chase uses. I went to two different Chase banks, one branch I brought my father with me and he had his credentials and was again told it had to be a phone verification. My father is XXXX XXXX XXXX and with severe XXXX XXXX. I then contacted my father 's phone service and they confirmed that his phone service is registered in my father 's name. Chase Bank supposedly escalated the matter to come up with a solution but closed my checking account. So my father 's money is just sitting with Chase Bank which in this case I feel like Chase is stealing money. If they felt that there was a problem with check the should have declined it instead of waiting after receiving funds from.my father 's bank, XXXX XXXX XXXX XXXX when my father and I inquire d if they could do anything replied that they couldn't do anything because Chase received the funds already.

Company response to consumer: Closed with explanation