vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 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:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information being reported to my credit report. These remarks have been detrimental to my life and credit health

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was a XXXX of a scam bank is proclaiming I owe them {$1300.00} and {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: MO

Complaint narrative:
Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company XXXX XXXX XXXX and XXXX XXXX XXXX C as outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the collection as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process.

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within 5 business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.

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 2025-06-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC
State: MI

Complaint narrative:
Had an advance of {$160.00}, it settled, they said it settled, I asked a XXXX if it settled they also said yes. They then say sike, there was a XXXX party error and now you are responsible for the repayment. I asked what the issue was, no response. It has been well over a week now and I have sent over XXXX emails. I have an open, unresolved support ticket on the matter as well. They keep trying my account for the money all while not updating me on any information about this XXXX-party error I have requested information on. Especially after they informed me that everything was all clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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:
THIS ENTITY XXXX  WITH VARIOUS NAMES IN ONE BUROT AND XXXX  XXXX  AND IN ANOTHER XXXX  XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: NV

Complaint narrative:
I am a victim of identity theft. I am writing to inform you that a fraudulent account has been opened in my name with your institution. I did not open or authorize this account. 


This account reported 76 months of missed payments dating from XXXX  to 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 2025-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I am filing this complaint against Capital One regarding an account they are reporting under account number XXXX with a balance of {$5200.00}, allegedly opened on XX/XX/year>. 
I am demanding the immediate deletion and permanent removal of this account from all credit reporting databases. This alleged debt is being reported without my full consent and in violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), specifically XXXX XXXX Code XXXX. 
I do not have a current, verified, or valid contractual relationship with Capital One, and no lawful proof has been provided establishing their right to report or collect on this alleged balance. The continued presence of this account is causing financial harm and misrepresents my creditworthiness. It is being reported without proper verification or lawful authority and constitutes false reporting and reputational damage. 
This is a formal demand not a request for this account to be fully and permanently removed. Capital One has no standing to continue to report or enforce this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
I am filing a formal dispute regarding an account listed by Harris & Harris Ltd on my credit report, allegedly for a XXXX balance in the amount of {$630.00}. 

I do not recognize or acknowledge this debt. I was never notified in writing, nor did I authorize any services or agreement with XXXX. 

This debt has not been validated and appears to be inaccurately reported. Since there is no signed contract or proper validation, I request that this account be removed from my credit file immediately under the Fair Credit Reporting Act ( FCRA ). 

Additionally, this account is harming my ability to obtain credit, and no communication or collection notice was received per FDCPA Section 809.

Please confirm the removal of this item from all reporting bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
XXXX fraudulent transactions occurred in the state of Michigan with my debit card information at XXXX different XXXX XXXX stores. All three transactions occurred while I was located in another city and state- XXXX XXXX New York. Once I noticed the fraudulent transactions I disputed it over the phone with Chime bank customer service, XXXX - 4 days later my disputes were denied and my money wasn't credited or refunded back to my bank account. No evidence of an investigation was given and when I called customer service I wasn't given any additional information either. 

Date of transactions - XX/XX/year>, XX/XX/year> & XX/XX/year>. 
Amount of transactions each - {$1800.00}, {$1800.00} & {$1800.00} Total of fraudulent charges- {$5600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
On XXXXXX/XX/XXXX I sent my son {$300.00} to his cashapp account, but he can not get the money out of the account. Cashapp told him to create a new account, and they would send the money to the new account, but they never sent it. I called cashapp on XX/XX/XXXX and asked for my refund and informed them that although the account showed money sent successfully that he could not get the money out of the account. Cashapp told me it was my son 's account and refused to talk to me about receiving a refund, so my son has been trying to get the money out of the account since XX/XX/XXXX. 

On XX/XX/XXXXXXXX  Cashapp told my son that they sent the money back to my XXXX XXXX XXXX account. I called XXXX  XXXX XXXX, and they thoroughly reviewed my account for any refund from cashapp as I had already done. There was never a refund to my bank account from cashapp. 

After many phone calls to cashapp to speak to a supervisor, I received emails sent 24 hours later because managers refuse to speak to me on the phone, still refusing to refund my {$300.00}. 
Last email from XXXX at cashapp on XX/XX/XXXX says the {$300.00} was sent to a dormancy account to the state of Arizona and that I would need to contact the state in 1-5 years to claim the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Company : Barclays Bank Delaware Accounts involved : Account ending in XXXX Account ending in XXXX Complaint Summary : Barclays Bank Delaware reported both accounts as late in XXXX. However, I did not receive billing statements for either account prior to those late payment reports.

Under 15 U.S.C. 1666 ( b ) ( 6 ), failure to send a billing statement to my last known address is classified as a billing error. Furthermore, 15 U.S.C. 1666a ( a ) prohibits a creditor from reporting an amount as delinquent to any third party until : 1. The creditor has responded to a properly submitted dispute under 1666, and 2. The creditor has allowed at least 10 days for payment after that response. 

Barclays reported these accounts as late without providing any opportunity to dispute and without fulfilling their legal obligation to transmit billing statements.

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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I am filing this complaint because there is a hard inquiry on my credit report made by SANTANDER CONSUMER USA on the date of XX/XX/year>XXXX  which I did not authorize and did not apply for credit with them I have contacted the company directly and disputed the inquiry with the credit bureau XXXX, but I have not received any results under the fair credit report act credit inquiries must be authorized since I did not provide consent. This inquiry was made without my permissible purpose, it should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: NY

Complaint narrative:
To whom it may concern, Like many XXXX 's I don't trust that this administration is concerned about my personal and financial data. During this administration and XXXX XXXX  's time with XXXX, my personal and financial data were compromised, this in turn violates FERPA. I request full cancellation of my student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: NJ

Complaint narrative:
I opened a secured credit card account with XXXX in XX/XX/XXXX, which I funded with my own deposit. On XX/XX/XXXX, XXXX closed the account due to identity verification issues. Several months later, I discovered that XXXX had re-added charges that I had previously disputed as fraudulent and began reporting XXXX late payments for XXXX XXXX XXXX XXXX to the credit reporting agencies. XXXX XXXX continues to report false and negative information which indicates that payments were late months after the secured credit card account was already closed and no additional charges could even be processed. 

This reporting is factually inaccurate and misleading. The account was closed and no longer in use. Reporting missed payments on a closed accountespecially one that was securedis unjustified and appears to violate multiple provisions of the Fair Credit Reporting Act ( FCRA ), including 623 ( a ) ( 5 ) and 1681s-2 ( a ). It also raises potential issues under the Truth in Lending Act ( TILA ).

Despite submitting an FTC Identity Theft Report and disputing the account numerous times with Experian, the inaccurate information remains. I never received a proper reinsertion notice from Experian nor a detailed explanation of the method of verification.

I respectfully request the CFPBs assistance in compelling XXXX and Experian to correct or remove this derogatory and improperly reported tradeline from my credit report.

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 2025-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: WA

Complaint narrative:
I was applying for loan and they said I had a balance in collections. I contacted the company they said who was claiming I owed money and I was not able to talk to a person. It was all automated. I asked for information to be sent to me of what they have on file. The letter finally arrived and It says it is for a XXXX XXXX  checking account. I had a XXXX XXXX checking account over 20 years ago but I never owed them any money. This is incorrect. The date of this notice is XX/XX/year>. The amount listed on this notice is {$700.00}. The name of the company is Jefferison Capital. Address : XXXX XXXX XXXX XXXX XXXX, MN. XXXX I have also looked at all three credit Reports and I can find nothing on them for this false debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Transunion I have called them twice because they are not reporting a score for me and they are also not reporting correctly. My authorized user account from XXXXXXXX XXXX XXXX XXXX  acct # XXXX. Due to this I can not apply for credit. Also they have some sort of a block on my score as well stopping my credit from being pulled from this and I would like this to be permanently removed.

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 2025-06-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general if, 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.

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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am filing a dispute against Transworld Systems Inc. regarding a collection account for XXXX XXXX in the amount of {$460.00}.

The collection account has been reported inaccurately for the following reasons : Inaccurate Payment History : The payment history shows C for collection entries, which does not reflect the true nature of the debt. I have disputed this account previously, and it should not be marked as an active collection if the information is inaccurate or unverifiable.

No Documentation : No documentation has been provided to validate this debt, nor have I received any evidence that the debt was legally transferred to Transworld Systems Inc. for collection. The lack of validation violates my rights under the Fair Credit Reporting Act ( FCRA ).

Violation of the Fair Credit Reporting Act : According to Section 1681e ( b ) of the FCRA, all information reported to credit bureaus must be accurate and complete. As no proof has been provided, this entry is an inaccurate representation of my credit history.

Furthermore, this account is marked as Affected by natural or declared disaster, which qualifies it for removal under credit bureau disaster relief guidelines section 605 of the Fair Credit Reporting Act Based on these reasons, I am requesting the immediate deletion of this account from all credit bureaus to comply with FCRA and applicable credit bureau disaster relief guidelines.

Please notify me once this matter has been resolved, and the account has been removed from my credit report.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: TN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and request the immediate deletion of fraudulent auto loans that have been reported on my credit file. These accounts were not authorized by me, and I am a victim of identity theft. Despite prior disputes, these accounts have been inaccurately verified and continue to appear on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and relevant provisions of the U.S. Code ( e.g., 15 U.S.C. 1681-1681x ). 

Details of the Fraudulent Account : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> This account is not mine as it belongs to XXXX XXXX alongside her mother, XXXX XXXX ( due to her not having a valid drivers license, and she drove/operated the car ) and I did not authorize these transactions in any form. I have filed a FTC ( Federal Trade Commission ) /police report and an identity theft affidavit, and I have enclosed copies of both documents along with a copy of my government-issued ID and proof of address. 

Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), I am formally requesting that these fraudulent items be blocked from my credit file immediately. The continued reporting of these fraudulent accounts is causing undue harm and distress, and you are obligated by law to ensure the accuracy and integrity of the information you furnish to creditors and third parties. 

Enclosures : Identity Theft Report ( FTC and/or police report ) Copy of my government-issued ID Proof of residence ( utility bill or lease agreement ) Please investigate and permanently delete this account from my credit file. I also request a new, updated copy of my credit report reflecting these deletions be sent to me at the address listed above. 

I expect a response within 30 days as required under the FCRA. Should you fail to comply, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general 's office, and I will consider seeking legal action for damages incurred. 

Sincerely, 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