vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/year> my XXXX XXXX was hacked. My Citizens bank debit card was linked to the XXXX XXXX Funds were added to XXXX XXXX without my permission totaling {$2800.00}, I filed a claim as soon as I noticed funds were missing from account. I received no fraud alerts while this was going on. Neither text message or email and I usually do. 
My claim denied due to me have previous transactions on XXXX XXXX that matched my history. I do not feel claim was investigated properly. Just because I had previous transactions does not mean that I could not have been hacked. I spoke with numerous supervisors and representatives and kept getting different answers and responses on what was going on with the claim. I feel I was treated unfairly and claim was not properly investigated nor a credit was issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I visited a Chase Bank branch to open a business account for myself and a personal account for my daughter. I am a legal XXXX XXXX  operating under an ITIN and EIN, and I run a construction company with significant annual revenue.

The experience was unprofessional and discriminatory. The representative who assisted us, named XXXX, asked, Are you citizens? as her first question something that should not determine the quality of customer service. She then suggested that we reschedule with someone who speaks our language, even though I clearly communicated in English. After spending time at the branch, she informed us that the person who opens accounts was not available and we would need to return another day. 

This experience was both a waste of time and a clear example of discriminatory behavior based on language and perceived immigration status. Its unacceptable that customers are treated this way, especially when we are legitimate clients looking to build our business responsibly. 

I request that this complaint be formally reviewed, and I hope Chase Bank is held accountable for ensuring fair and respectful treatment for all customers regardless of their background or documentation type.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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:
In XX/XX/XXXX, i noticed unauthorized accounts on my credit report that I never opened. These accounts were created without my permission or awareness and seem to be the result of identity theft or misuse of my personal information. The fraudulent accounts include : XXXXXXXX XXXX XXXX opened on XX/XX/XXXX account number : XXXX XXXX XXXX XXXX- opened on XX/XX/XXXX account number : XXXXXXXX XXXX XXXX unsecured loan- opened on XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX opened on XX/XX/XXXX And the following inquiries were also never authorized by me and are fraud too : XXXX XXXX XXXX inquiried on may XXXX XXXX XXXX inquiried on XXXX XXXX XXXX XXXX XXXX inquiried on XXXX XXXX XXXX XXXX inquiried on XXXX XXXX XXXX XXXX XXXXXXXX inquiried on XXXX XXXX XXXX XXXX XXXXXXXX inquiried on XXXX XXXXXXXX XXXX XXXX inquiried on XXXX XXXX XXXX XXXX XXXXXXXX inquiried on XXXX XXXX XXXX XXXX XXXX inquiried on XXXX XXXX XXXX XXXXXXXX inquiried on 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
Consumer complaint received 2025-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX is when I found out my XXXX got hacked out of XXXX, I am in XXXX. Called this XXXX under XXXX. This guy told me to download XXXX XXXX XXXX app. He tells me crypto purchases were happening on your XXXX account thru ought the east coast. Transfers me to this ( XXXX ) XXXX number. This person sounds like a woman. Tells me her name is XXXX XXXX. This person tells me that you need to make these wire transfers, so that way these accounts are blocked. Tells me you wont be charged for it. Once when she tells me to tell Chase on the 3rd transaction You are sending it to a friend. and tells and to create a XXXX account. That was when RED FLAGS were raised. Chase called me immediately from a XXXX number about this activity and a notification that your Wire is on hold. That was when I reported it to Chase. Chase told me that all 3 transactions were put on hold, but still went thru. It went to three different banks : XXXX  XXXX XXXX for {$9900.00}, XXXX XXXX for {$9900.00}, and XXXX XXXX for {$7900.00}. On XX/XX/XXXX, I received a letter from Chase that my claim # XXXX has been denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: TN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: TN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-05-31 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: NC

Complaint narrative:
Hi, I am writing to formally dispute the reporting of late payments on my Equifax credit report dated XX/XX/year> ( Confirmation # XXXX ). Several accounts contain inaccurate or misleading payment history entries, which are negatively impacting my credit profile. I am requesting XXXX XXXXXXXX help in resolving these issues, as my attempts to correct them with the reporting entities have not been successful. 

Below are the accounts and details of the disputes : XXXX XXXX XXXX XXXX Account ending in XXXX XXXXXXXX Issue : Reported 30-day late in XX/XX/scrub> 2025. 
Dispute : Payment was made on time through automated transfer. Supporting documentation is available. 

XXXX XXXX XXXX Account ending in XXXX XXXXXXXX Issue : 30-day lates listed for XXXX 2025. 
Dispute : These payments were made during a temporary deferment period ; late reporting is inaccurate. 

XXXX XXXX XXXX Account ending in XXXX XXXXXXXX Issue : Reported as 90 days late for XXXX 2025. 
Dispute : Partial payments were made ; reporting should reflect partial payments, not full delinquencies. 

XXXX ( Education Loan ) Account ending in XXXX XXXX and XXXX XXXX  Issue : Both accounts list late payments prior to charge-off. 
Dispute : These were in deferment due to a documented hardship and should not reflect delinquencies. 

I request that these payment histories be fully investigated and corrected as appropriate. Under the Fair Credit Reporting Act ( FCRA ), I have a right to dispute information that is inaccurate or can not be verified, and to expect a timely response from furnishers and consumer reporting agencies.

Thank you for your assistance in this matter. I respectfully request that the CFPB investigate these errors and help ensure that my credit report is updated to reflect only accurate and verified payment data. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear TransUnion, I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Upon reviewing my credit report, I noticed a collection account reported by XXXX XXXX Services that I am disputing. 

Accordingly, I am formally requesting a detailed description of the procedure used to determine the accuracy and completeness of the information you are reporting. This request includes : 1. The exact method ( s ) TransUnion used to verify the accuracy of the XXXX XXXX XXXX account ; 2. Whether TransUnion contacted XXXX XXXX Services or any other party as part of the investigation ; and XXXX. The name, address, and telephone number of any furnisher of information that was contacted in connection with this account. 

If you fail to respond with the requested information within 15 days of the date of this letter, I am formally requesting that this account be deleted from my credit file in accordance with your obligations under the FCRA. 

Please consider this a continuing dispute of the account unless and until you provide the requested procedural details. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I ordered an item from XXXX XXXX XXXX on XX/XX/2024 and paid through Affirm. On XX/XX/2024 I spoke with XXXX XXXX and canceled my order. I never received the item. I spoke to Affirm to notify them that the order was cancelled. A rep said that orders cancelled within 30 days are not subject to interest, and that someone would contact me to adjust my account. That never happened. The next rep kept trying to make me pay {$240.00} in interest. I recapped the convo I initially had with an Affirm rep and gave proof of my cancellation within 30 days. XXXX XXXX with XXXX XXXX XXXX also communicated this information. I still have the voicemail XXXX left me after she called Affirm. Affirm made no adjustments. Each time I called and messaged Affirm to discuss my account they attempted to take payment from me. They said they don't have access to other departments and can't transfer me to anyone that can adjust my account. Affirm is reporting that I have {$240.00} past due and am 120 days late. That is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SLM CORPORATION
State: SD

Complaint narrative:
I continually receive calls from XXXX XXXX 's collection services, regarding a XXXX XXXX. She had my number XXXX, sometime in the past, now I have the number. The number they call from is XXXX and you can call them at XXXX as well, the operator that typically calls is named " XXXX ''. I have informed these attendants multiple times, that XXXX no longer has this number, and I always request that they place this number on the no call list ; even so they continue to call at all hours of the day, and on weekends as well, even after I make these requests. I have told them over and over again, that this behavior borders on harassment and I don't appreciate it. They do not appear to care of listen, please do something about this. Thank you!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXXXXXX XXXX * * * * * * * - Date Opened XXXX XX/XX/XXXX Account Name : XXXX XXXX * * * * * * * * * * - Date Opened XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX * * * * * * - Date Opened XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX * * * * * * - Date Opened XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX * * * * * * - Date Opened XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX * - Date Opened XXXX XX/XX/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 2025-05-31 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TN

Complaint narrative:
Account XXXX I am unaware of this debt and did not have the opportunity to verify or dispute this account. If you sent proper notification, please provide certified mail with receipt displaying my signature. If not please delete account XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
On XXXX I was contacted by an individual who claimed to be from the XXXX department of my bank XXXX. They convinced me to transfer all of my funds from my XXXX bank account to my Cash App account. The scammer then immediately transferred the funds from my Cash App to their own bank account without my authorization. The amount stolen was {$8200.00} I did not authorize these transfers and realized afterward that I was scammed. I have reported the incident to both XXXX XXXX  and Cash App, and I am filing this complaint with the FTC in hopes of preventing further fraud and to assist in any investigation. Cash App have denied escalating this matter as per my request and have asked for me to wait up to 10 Business days for a response. the transaction is still pending in my bank account so am trying to act fast before it is too late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: GA

Complaint narrative:
Due to your admitted data breach compromising my identity, I hereby revoke any prior consent to report data that can not be legally verified. This is not a dispute but an administrative audit. After Equifaxs data breach exposed my personal information, I have serious concerns about the accuracy of the accounts being reported. I requested that Equifax verify each tradeline by providing the original signed contract, full payment history, proof of authorization to report, and the data furnisher agreements. Equifax admitted they dont have these documents but continue to report these tradelines based only on information received from the furnishers. Reporting unverifiable accounts after a major breach violates my rights under FCRA 609, 611, 623, and 1681e ( b ), and also violates the XXXX settlement terms from their breach. Reliance on Metro 2, e-OSCAR codes, or furnisher self-verification is not lawful compliance. Your systems prior breach forfeited the presumption of accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: TN

Complaint narrative:
Reporting Negative information on my Credit report can not be Verified and Not responded bye law inaccurate information on my Credit report asked them remove them immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: MO

Complaint narrative:
I previously disputed the reporting of my personal and account information with XXXX, requesting full suppression and deletion under FCRA 602 and 604 ( a ). I did not authorize the collection or reporting of any data, and XXXX has no permissible purpose to maintain or share this information. 

Despite my dispute, they continue to report and retain data, violating the following FCRA provisions : 602 Right to privacy 604 ( a ) No permissible purpose 611 ( a ) Failure to remove unverifiable, disputed information 607 ( b ) Lack of reasonable procedures to ensure accuracy and consent

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 2025-05-31 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-31 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: MD

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY 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