vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 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: GA

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 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 2025-09-17 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: AL

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$0.00} Account Name : XXXX XXXX # XXXXXXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$800.00} UNAUTHORIZED INQUIRIES : XXXX  XX/XX/XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am writing to formally lodge a complaint regarding a serious incident involving my Cash App account, which was compromised without my authorization. On, XXXX XXXX of an amount of {$200.00} dollars. XX/XX/year>, of an amount of {$500.00} dollars, lastly, On XX/XX/year> of an amount of {$50.00} dollars, multiple unauthorized transactions were initiated from my account, resulting in funds being transferred to an individual unknown to me. These transactions were not authorized, initiated, or consented to by me in any form. 
This matter constitutes a breach of privacy and a violation of federal and state laws, including but not limited to : The Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693, which provides consumer protections for unauthorized electronic fund transfers.

The Gramm-Leach-Bliley Act ( GLBA ), which requires financial institutions to protect sensitive personal data. 
Potential violations under state cybercrime statutes relating to hacking, fraud, and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding JPMCB CARD SERVICESs failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with XXXX XXXX XXXX XXXX yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. XXXX XXXX XXXX XXXX has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. JPMCB CARD SERVICES XXXX, JPMCB CARD SERVICES XXXX & JPMCB CARD SERVICES XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: NC

Complaint narrative:
XX/XX/year> Dear sirs, I am working with the attorneys office of XXXXXXXX XXXX XXXX  to resolve my credit debt with Discovery Financial Services. Approximately XXXX years ago, I signed a contract with the law firm to pay a total of {$54.00} per month to settle a debt with Discovery for approximately {$3000.00} I made the payments, as required. Unfortunately, I missed several payments ; however, I made earnest efforts to catch up. A problem arose in XXXX of 2025, when I made my payment, and noticed on my bank statement that an additional payment of {$54.00} was automatically deducted from my account. Since the deduction occurred towards the end of the month, I did not submit a payment the following month. 

Subsequently, I was contacted by the law firm for {$5400.00} due to my failure to make up for the monthly payment that I did not pay. I was unable to make the payment, and explained this to the representative. I was then informed by the representative that in order to avoid a default of the contract, I must submit {$1.00}, and that my payment schedule would be on the XXXX of every month, beginning in XXXX of 2025. 

As directed, I submitted my payment of {$54.00} on XX/XX/XXXX. After nearly XXXX weeks, I noticed that there was no deduction of the funds from my checking account. I contacted XXXX, and was told that my payment was refused due to the fact that my payment would now be {$100.00}, due to a missed payment. I explained my conversation with an associate, who is a representative of the law firm, that I was told to make my payment on the XXXX. I explained that I could not afford such a payment. 

The representative asked if I had a 401 K plan, to which I explained that I receive XXXX as my sole source of income. I eventually spoke to another agent, and was told that the interest will increase my monthly obligation. Again, I explained my situation and asked if I could submit a payment of {$54.00}. I was advised that the funds would only be considered as good faith and would not be applied towards my balance. The tone of her voice made it obvious to me that there was no need for further communication with her, Now, I am unsure as to what to do, as I can not afford additional monthly interest.. I would truly appreciate any resources that may help resolve this situation. 


Thank you. 

XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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.

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 seven 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 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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

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.

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 seven 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 explanation
Consumer complaint received 2025-09-17 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/year>

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 2025-09-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: KEYCORP
State: AK

Complaint narrative:
I previously filed a formal complaint on XX/XX/year> but still have not heard from anyone at Key Bank, NA. 

I am filing a complaint under Section 5 of the Federal Trade Commission ( FTC ) Act citing unfair and deceptive practices. I can provide additional info if needed but in a nutshell they errored when setting up my new HELOC and deposit and savings account and never tied them together so I could access them. Soon after opening they fully advanced my HELOC without my knowledge or approval and deposited the full amount into the checking account. I called and wanted to verify the the HELOC was not advanced and they said this is how a HELOC works. A few days later they then closed both my checking and savings due to an internal issue ( fraud department mailed some form of a verification form to a non-mailing address ). At closing Key issued a check for both balances, but held the check with the HELOC advance in their possession the entire time. I never saw it or had access to it. About 10 days later later they reopened the checking and savings accounts and deposited the check from closing the accounts. The branch said it would fix everything but never did. I ended up transferring the funds back to the HELOC after realizing they were not going to fix their error. During this time I was being assessed interest but all the while I was assured by the local branch that it will get it fixed and not to worry. It's been 8 weeks and it still has not been corrected nor has anyone from key bank reached out to me to fix their error. 

In the meantime they are charging me interest and show a balance owing. It is deceptive and unfair to say there are no origination fees if they fully advance the HELOC and do not allow the customer to have access to the funds to allow them to pay it back. It is also deceptive for them to assure me their mistake will be fixed when it has been over 8 weeks without any resolution or contact.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I applied for the XXXX XXXX credit card with XXXX bonus after spending {$2500.00}. I have seen XXXX miles on our statement but I only received XXXX miles on XXXXXXXX XXXX XXXX XXXX has no control over how many miles got deposited from Barclays. So there must be something wrong in the Barclays rewards deposit process. Please help investigate. Thank you!

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 2025-09-17 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: OH

Complaint narrative:
I am using this CFPB complaint as both a formal complaint and a formal dispute and request for debt validation addressed to HL XXXX XXXX. Attached to this complaint is my written validation request, which clearly lists the documents that XXXX XXXX XXXX must provide under the Fair Debt Collection Practices Act to HL XXXX XXXX prove the debt is valid and legally collectible. This includes proof of ownership of the debt by purchase agreement, a breakdown of the amount claimed, and a copy of the original agreement bearing my signature. I am submitting this request through the CFPB to ensure that HL XXXX XXXX receives my letter and is held accountable for responding properly and lawfully.

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
the account became past due, a debt collector bought the debt which means it is now sold and out of XXXX XXXX  responsibility. requested verification from debt collectors ( NCB management resources ) and they could not verify so they agreed debt will be deleted off credit report in recent complaint. requested for tradeline to be deleted 3 times and still has yet to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I checked my credit report on XXXX and saw an account open with a balance date XX/XX/XXXX in the amount of {$4800.00} for Medical/Health Care . I have also disputed this with all three credit agencies.as well on XX/XX/XXXX. 
I received an alert from XXXX XXXX that my personal and social security information was compromised and identity was breached. 
My personal identity was sold on the dark web on XX/XX/XXXX, XX/XX/XXXX and again on XXXX XXXX. 
This account is from Monterey Financial collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected.

This is a formal complaint against JPMCB CARD a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. 
Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-17 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: TX

Complaint narrative:
I am submitting to formally dispute multiple entries listed on my Equifax, Experian and TransUnion credit report that I believe to be inaccurate, unverifiable, outdated, or otherwise misleading. These items are potentially in violation of the Fair Credit Reporting Act ( FCRA ), which guarantees my right to fair and accurate credit reporting. I request a reinvestigation under FCRA 611 ( 15 U.S.C. 1681i ) and removal of any information that can not be substantiated or corrected in compliance with federal law. 
XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX XXXX XXXX : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Federal Date Filed/Reported : XX/XX/XXXX XXXX XXXX : XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Balance : {$6000.00} XXXX  Original XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2900.00} XXXX  Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX Balance : {$590.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3.00}

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 non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
It is devastating to see that the inaccurate accounts are still showing up on my credit reports, and nothing has been done to eliminate them. I beg you to carefully go through the documents Ive attached so that I can be free from this never-ending stress.

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