vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 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: NY

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

1681c2 ) that you, the TransUnion 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 : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$590.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 US 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 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
My Discover It credit card account was closed on XX/XX/year>, due to inactivity. I was not given fair or adequate notice that this would occur, and I lost the opportunity to keep the account open. 

As a result of the closure, my overall available credit has dropped significantly, since I do not have many other credit accounts. This has had a direct negative impact on my credit score and credit profile.

I understand that issuers may close inactive accounts, but I believe Discover did not act fairly in my case. I did not receive any email or online notification, and if a notice was only mailed, it did not reach me due to a change of address. Discover has successfully contacted me by phone regarding late payments in the past, which is my most reliable method of communication. It is unclear why they would not use the same approach for something as serious as account closure. They also had my updated email and phone information on file, but did not use those channels to alert me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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:
Dear Experian 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: UPGRADE, INC.
State: IL

Complaint narrative:
On XX/XX/year>, I booked a flight with XXXX XXXX and used XXXX to finance the purchase. XXXX later issued me a credit for that booking due to a customer service issue. That refund fully paid off the original loan, and XXXX confirmed it was closed with a {$0.00} balance. 

However, XXXX then created a second loan without my authorization for what appears to be the same booking. I never requested or made a second booking. XXXX XXXX confirmed that they never received a second payment from XXXX and have no record of a second transaction. They also confirmed that no voucher or monetary refund exists for this alleged second charge because no such booking was ever made. 

Despite this, XXXX has continued to report the second loan as active and overdue. They have refused to resolve the issue or communicate directly with XXXX to verify the transaction. Their handling of this matter has been careless and aggressive, and they are now threatening to send the account to collections for a loan that should not exist. 

This situation is extremely frustrating and unjust. I have done everything possible to resolve this with both XXXX and XXXX, but XXXX continues to place the burden on me rather than taking the necessary steps to confirm the facts with their merchant partner. Their actions are now impacting my credit, and I believe they are taking advantage of the consumer by continuing to collect on a loan that was created without valid justification or proof of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: CO

Complaint narrative:
On XX/XX/year> around XXXX ], I initiated a transfer ( XXXX ) from my Cash App balance to my own XXXX XXXX  account, which I had previously linked correctly in the app. However, the funds were instead sent to a bank account that I do not recognize, do not own, and never authorized. 

I filed a dispute with Cash App, but my claim was deniedeven though : The account the funds were sent to is not in my name, and I have email confirmation from Cash App support showing the receiving account details. 
I contacted the receiving bank ( XXXX ), and they verified the account is either closed or invalid and not connected to my identity. 
I never added that account to my Cash App profile. It appears to have been linked without my consent or knowledge. 
My account activity clearly shows I initially linked the correct bank account. 
It has been over 10 business days, and the funds have not been returned. I am not responsible for this transfer, and I did not authorize the account that received the money. 

Under the Electronic Fund Transfer Act ( EFTA ), I am requesting that Cash App provide a full refund or provisional credit while investigating the matter properlyOn [ insert date ], I initiated a transfer from my Cash App balance to my own XXXX XXXX  account, which I had previously linked correctly in the app. However, the funds were instead sent to a bank account that I do not recognize, do not own, and never authorized. 

I filed a dispute with Cash App, but my claim was deniedeven though : The account the funds were sent to is not in my name, and I have email confirmation from Cash App support showing the receiving account details. 
I contacted the receiving bank ( XXXX ), and they verified the account is either closed or invalid and not connected to my identity. 
I never added that account to my Cash App profile. It appears to have been linked without my consent or knowledge. 
My account activity clearly shows I initially linked the correct bank account. 

It has been over 10 business days, and the funds have not been returned. I am not responsible for this transfer, and I did not authorize the account that received the money. 

Under the Electronic Fund Transfer Act ( EFTA ), I am requesting that Cash App provide a full refund or provisional credit while investigating the matter properly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: NJ

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 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 2025-09-18 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 have contacted XXXX XXXX several times in reference to this dispute and they are saying that the card was activated from my phone number. I advised that I did not approve anyone to activate a credit card on my behalf. I was never aware of getting a XXXX card. I have provided proof of my currect address as 2018 along with a copy of my drivers license and they still will not remove the negative information.

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 2025-09-18 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: TX

Complaint narrative:
I have contacted XXXX XXXX several times in reference to this dispute and they are saying that the card was activated from my phone number. I advised that I did not approve anyone to activate a credit card on my behalf. I was never aware of getting a XXXX card. I have provided proof of my currect address as 2018 along with a copy of my drivers license and they still will not remove the negative information.

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 2025-09-18 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 contacted XXXX XXXX several times in reference to this dispute and they are saying that the card was activated from my phone number. I advised that I did not approve anyone to activate a credit card on my behalf. I was never aware of getting a XXXX card. I have provided proof of my currect address as 2018 along with a copy of my drivers license and they still will not remove the negative information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: FL

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 explanation
Consumer complaint received 2025-09-18 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-18 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: IL

Complaint narrative:
I am disputing several unauthorized and inaccurate accounts that appear on my credit reports with Experian, Equifax, and TransUnion. I never gave written consent for these accounts to be furnished, as required under 15 U.S.C. 1681b of the FCRA. Multiple accounts from debt buyers, auto lenders, and collection agencies are unverifiable, outdated, and misreported across bureaus. Despite previous disputes, the items remain. My personal information was also exposed in major breaches ( XXXX, TransUnion, XXXX XXXX XXXX XXXX, increasing the likelihood of fraud. These entries are damaging my creditworthiness, causing financial harm, and must be deleted as required by FCRA 602, 604, 611, and 623.

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 2025-09-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, I used the Chase XXXX XXXX service to deposit my weekly payroll check in the amount of {$330.00}. After the deposit was submitted, the entire amount was unexpectedly placed on hold until the next business day. Crucially, I received no warning that a hold would be placed on the funds until after the transaction was already completed and in a " pending, '' irreversible status. 

This is not an isolated event but part of a persistent, multi-year pattern of inconsistent funds availability. For over XXXX years, I have deposited a visually identical payroll check from the same employer every week. The outcome of these mobile deposits is unpredictable and falls into XXXX categories : Normal : The full amount is available within hours.

Partial Hold : A portion of the funds is made available immediately, while the remainder is held. The notification of this partial hold, along with a warning that the remaining funds could take XXXX business days, is only provided after the deposit has been submitted. 

Unexpected Full Hold : The entire check is held with no warning until after the transaction is submitted. 

This complaint is specifically about the third scenario, but the lack of advance warning in the second scenario is also a key issue. The failure of the mobile app to warn me of a hold beforehand removes my ability to make an informed financial decision, such as choosing to cash the check in person to access my wages. 

On every occasion this has happened, I have attempted to resolve the issue by contacting Chase. I have spoken with branch bankers, phone representatives, and their supervisors. The response from the company is always the same : once a mobile deposit is pending, they claim they have no ability to manually verify the check, expedite the hold, release the funds, or void the transaction. 

The core issue is the systemic failure to provide consistent service and transparent communication for routine, low-risk transactions. The mobile application 's failure to provide advance notice of holds, combined with the company 's stated inability to provide any form of recourse, has resulted in repeated and unpredictable disruptions to my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i have gone XXXX moths to resolve this confusion with the credit bureaus and with the company itself and o have had no luck. they do not respond with validation to verify this is mine and therefore they havent deleted it either. i have read up on the fcra and also the fdcpa and my rights have been violated as per them. so i need this to be removed and i need your help to solve this please as i read also about your company that you help us out as consumers and i need help. the name of the company is XXXX bank. for the cray amount of like XXXX XXXX dollars.

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 2025-09-18 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: VA

Complaint narrative:
This account is being inaccurately reported as a charge-off. Under the Fair Credit Reporting Act ( FCRA ), creditors XXXX only classify an account as a charge-off if it has been delinquent for XXXX  days. I was never XXXX  days past due on this account. I made payment ( XXXX ) that brought the account current prior to reaching charge-off status. 

Enclosed are copies of my records, including [ bank statements, payment receipts, or statements ], which clearly show my payments and prove that the account never qualified for charge-off treatment. 

Please provide me with written confirmation once this error has been corrected. If the inaccurate reporting is not corrected, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider seeking legal remedies under the FCRA. 

Thank you for your prompt attention. 

XXXX XXXX XXXXXXXX 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 non-monetary relief