vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 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: NC

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under XXXX XXXX. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements XXXX be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Block, Inc.
State: CA

Complaint narrative:
On Wed XX/XX/year>, I added an XXXX offer to the cash app, and requested an uber ride. Unfortunately the driver cancelled. So I requested a new ride which was completed. However, cash app did not apply the offer to the ride that actually took place. 

Here is my guess of what happened. The first uber ride that was cancelled triggered the use of the offer, and since the offer can be used only once, it was removed from my card. 

This is a software bug in the cash app. For offers such as uber, they need to handle them specially to account for cancel rides. The simple solution is to check if the discount offered is XXXX ( the case for a cancelled ride ), and in that case continue to keep the offer on the card. 

I chatted with XXXX agents and then XXXX more over email. Overall, the customer service was extremely rude. They closed my case without addressing my concerns. They agreed that this was a bug in their system and that they had alerted the appropriate teams. All I was asking for a refund for the amount that the offer would have given me. 

This is the second time this has happened. Given the frustrating experience and time spent in fighting customer service, I would like the entire transaction amount back along with remuneration for the frustrations, wasted time, and lack of empathy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 2025-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
An unauthorized account is appearing on my credit file without my consent. I did not open this account, have no association with the creditor, and did not grant permission for the use of my personal information. Its presence is inaccurate, harmful, and must be resolved promptly.

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 2025-08-08 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Federal - XXXX Federal XXXX XXXX List of Unauthorized Inquiries : XXXX  - XXXX XXXX - XXXX XXXX - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX reported this account as Paid/Closed but still listed it as XXXX  days past due on XXXX. This is inconsistent with the reporting on XXXX  and XXXX, where the tradeline has already been corrected. Once paid and closed, no past due amount should be reflected. This misreporting violates the accuracy provisions of the FCRA and causes ongoing damage to my credit profile. I request that this XXXX delinquency be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On Thursday, XX/XX/year>, XXXX charged me an insufficient funds ( NSF ) fee at approximately XXXX PM, but my direct deposit paycheck posted just XXXX hour later at midnight on XX/XX/XXXX despite being released to Chase at approximately XXXX on Thursday XX/XX/year>. 

I contacted XXXX and requested a fee reversal due to the close timing, but was told I had reached my limit for fee reversals. I believe this is unfair, as the funds were available in the same overnight processing window and would have covered the transaction if the deposit had posted slightly earlier or the fee had been delayed. 

I am requesting that the Consumer Financial Protection Bureau review this issue as a matter of fair banking practices. I am not disputing the transactiononly asking that XXXX reverse a fee that occurred due to automated timing of their system, not account misuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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:
Today I am filing this complaint because there are multiple accounts on my credit report that are inaccurately reported, inconsistent across different months, and in violation of the Fair Credit Reporting Act ( FCRA ). The XXXX XXXX XXXX ( TransUnion ) and the furnishers involved have failed to ensure maximum possible accuracy and continue to report outdated, unverifiable, or misleading information. 
I have submitted disputes directly to TransUnion regarding these accounts. However, they continue to report inaccurate and unverifiable information in violation of : 15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy 15 U.S.C. 1681i ( a ) : Failure to delete or correct unverifiable disputed items 15 U.S.C. 1681s-2 ( b ) : Furnishers duty to investigate and update information upon dispute

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 2025-08-08 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: MD

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report, which I believe has negatively impacted my credit score. Recently, I noticed a 16-point drop in my TransUnion score, primarily due to incorrect reporting of my credit card balance.

One of my credit cards was reported as over the limit by {$3.00}, but I have since corrected this issue, and the card is now under the limit. This discrepancy does not reflect my current credit status.

Additionally, I have verified my credit scores with XXXX XXXX XXXX  which are significantly higher. I request that you review my account and rectify any inaccuracies as soon as possible.

I believe my score with TransUnion is not accurate. Balances are lower and I doubt my score changes my 16 points over one card being over limit. I also have accounts on there that arent mine and I keep disputing.

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 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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:
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 XXXX 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  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX & XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX  - Account Number : XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$3900.00} XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$5800.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$470.00} XXXX - Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} THE XXXX XXXX - Account XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$630.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$24000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$990.00}

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 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
b'On XXXX  I attempted to deposit XXXX XXXX XXXX at the wells fargo branch atm on XXXX XXXX XXXX XXXX XXXX XXXX The attempt was prior to their opening. I make deposit at machine regularly and on this transaction XXXX XXXX XXXX XXXX were inserted into machine when prompted. You could hear machine counting money as normal, and then it went cah chunk, cah chunk, cah chunk. Paused for a bit and then displayed screen wanting me to confirm XXXX. I did not put in XXXX  I inserted XXXX XXXX XXXX XXXX  so I canceled that deposit and machine returned (XXXX XXXX XXXX XXXX, leaving me short (XXXX XXXX XXXX XXXX XXXX XXXX XXXX originally inserted. I needed to get money into the account so I took the XXXX XXXX XXXX XXXX that was returned to me and deposited them into the atm. Machine accepted those bills and recorded transaction correctly. So, a XXXX  was made and recorded properly, after a XXXX  deposit failed. So I left atm, drove 40 min to work. Before the branch closed, I took off work, drove to bank and informed teller of issue. Tellers responce was someone else takes care af atm and gave me number for wells fargo to filed complaint/issue. A claim was opened up with wells fargo claims department, and claim # is XXXX  After explaining to them what happened they gave me a provisional credit of XXXX  to the account while they investigated. They unfortunately did not or could not understand despite many attempts to explain what happened, and determined that the XXXX deposit was recorded correctly. They are right, the end attempt XXXX  deposit was recorded correctly, it was the first XXXX deposit attempt that machine only acknowledged XXXX  that is the problem. So as of today, XXXX  wells fargo will be taking back the provisional deposit of XXXX meaning once again issue not resolved and bank has XXXX that is not theirs, but mine. So this has been escalated to next level as I feel this is theft of my money by bank. I returned to branch bank XXXX and spoke with manager and she filed complaint with executive department. That case number is XXXX Their phone number is XXXX XXXX XXXX XXXX They are supposedly going to investigate and get back with me by the XXXX of this month. As of today this has went on 49 days, and counting. And back to being shorted XXXX of cash out of my pocket. Some where someone has XXXX  that does not belong to them, and should be in my account not theirs'

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I paid the balance of this account after charged off but the creditor refuse to removed this negative account. Account was sold to a debt collector for less money that I paid. reporting act 15 U.S.C 1681 ( a )

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 2025-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I noticed a loan was requested without my authorization and my credit was compromised. I found out that when I went to the XXXX dealer to buy the vehicle that I am currently leasing. XXXX leasing with this dealer in XXXX of XXXX in New Jersey for almost XXXX  year-end this is my XXXX th vehicle that XXXX leasing. Since this vehicle has a very low milage I decided to buy it. The XXXX dealer run my credit I found out in my credit report that there is a XXXX car purchased with my identity without my authorization.

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 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Subject : Dispute of Collection Account Request for Validation under FCRA and TDCA ________________________________________ To Whom It May Concern : I am writing to dispute the accuracy and validity of the collection account you have reported on my credit file. This letter is a formal request for debt validation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 and the Texas Debt Collection Act ( TDCA ), Texas Finance Code 392.202 and 392.307. 
The account in question is : Creditor Name : __XXXX XXXX XXXX_____________ Account Number : ___N/A________________ Date reported : XXXX XXXX, XXXX Creditor Name : LVN Funding LLC______________ Date Reported : XX/XX/XXXX Account Number : ___N/A________________ Reason for Dispute According to my records, this alleged debt is obsolete and beyond the statute of limitations for both collection and credit reporting in Texas.

Under FCRA 605 ( a ), negative accounts may not be reported for more than 7 years from the date of first delinquency.

Under Texas Civil Practice & Remedies Code 16.004, the statute of limitations for most debt is 4 years from the date of default.

Once the statute of limitations has expired, you may not legally sue to collect, and any continued reporting or collection attempts may constitute a violation of the FCRA, TDCA, and the federal Fair Debt Collection Practices Act ( FDCPA ).

Demand for Action Pursuant to FCRA 611 and Texas Finance Code 392.202, I request : 1. Complete validation of this alleged debt, including the original signed contract, full payment history, and proof that you have the legal right to collect in Texas.

2. The exact date of first delinquency reported to the credit bureaus.

3. Removal of this account from my credit report if you can not provide verifiable proof within 30 days.

4. Cessation of all collection activity until the account is validated.

Notice of Rights Please be advised : If you verify inaccurate information with any credit reporting agency, you will be in violation of FCRA 623.

Continuing to attempt collection on a time-barred debt may violate FDCPA 807 ( 2 ) ( A ) and Texas Finance Code 392.301 ( a ) ( 8 ).

Failure to comply may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Texas Attorney General, and possible civil action.

I expect a written response within 30 days from the date of receipt of this letter. If you can not provide complete validation, you must immediately remove the account from all credit reporting agencies and cease all collection efforts. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: TX

Complaint narrative:
I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act ( FCRA ), I5 U.S.C. 1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information ( 15 U.S.C.le ( b ) ) and conduct a reasonable investigation of disputes raised by consumers ( 15 U.S.C. 1681 ). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed : XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX {$95.00} REPORTING ON XXXX  AND TRANS UNION XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$800.00} REPORTING ON XXXX AND TRANS UNION XXXX XXXX XXXX XX/XX/XXXX {$1400.00} REPORTING ON TRANS UNION XXXX XXXX XX/XX/XXXX {$760.00} REPORTING ON TRANS UNION XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} {$1000.00} REPORTING ON ALL BUREAU ( XXXX XXXX AND TRANS UNION ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$8400.00} {$10000.00} REPORTING ON ALL BUREAU XXXX XXXX XXXX  AND TRANS UNION ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} {$11000.00} {$11000.00} REPORTING ON ALL BUREAU XXXX XXXX XXXX, AND TRANS UNION ) XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX {$0.00} {$1600.00} {$1500.00} REPORTING ON ALL BUREAU ( XXXX XXXX AND TRANS UNION ) XXXX XXXX XXXX XXXX XXXX XXXX REPORTING ON ALL BUREAU ( XXXX XXXX, AND TRANS UNION ) XXXX XXXX XXXX XXXX XXXX REPORTING ON XXXX AND TRANS UNION XXXX XXXX XXXX XXXX XXXX XXXX REPORTING ON ALL BUREAU XXXX XXXX XXXX AND TRANS UNION ) XXXX XXXX XXXX XXXX REPORTING ON XXXX  AND TRANS UNION XXXX XXXX REPORTING ON XXXX AND TRANS UNION XXXX XXXX XXXX XXXX XXXX XXXX REPORTING ON ALL BUREAU XXXX XXXX XXXX  AND TRANS UNION ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$14000.00} REPORTING ON ALL BUREAU ( XXXX XXXX, AND TRANS UNION ) Despite multiple attempts to have these inaccuracies addressed, the bureaus have not conducted a reasonable investigation or made the required updates, violating my rights under 15 U.S.C. 1681e ( b ) and 168li of the FCRA. This disregard for my rights as a consumer is impacting my financial standing, and I am requesting immediate corrective action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation