vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
XX/XX/XXXX, I SENT {$500.00} TWICE FROM MY CHASE ACCOUNT TO 2 XXXX  DIFFERENT ACCOUNTS ( {$1000.00} ), ON XX/XX/XXXX, I FORGOT IF I DID THE TRANSACTION, I CALLED CHASE BANK TO CANCEL THE TRANSACTION AND CLAIM THE AMOUNT, DAYS AFTER I REALIZED I DID THE TRANSACTION, AND CALLED CHASE AGAIN TO CANCEL THE CLAIM. FINALLY, ON XX/XX/XXXX, CHASE BANK REMOVED {$500.00} TWICE TO A XXXX ACCOUNT. XX/XX/XXXX, I CHECKED MY XXXX ACCOUNT. I DIDN'T SEE THE MONEY. I CALLED XXXX, THEY DIDN'T SEE ANY PENDING TRANSACTION. I CALLED CHASE BANK, THEY SAID I HAVE TO WAIT FOR A WEEK. TODAY IS XX/XX/XXXX. I CHECKED MY XXXX ACCOUNT. I DIDN'T SEE ANY MONEY, AND WHEN I CALLED CHASE, THEY COULDN'T GIVE ME ANY ANSWER. I'M LOOKING FOR HELP PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I am filing this complaint because the consumer reporting agency has included unauthorized hard inquiries on my credit report, which were not initiated by me. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX ( c ) ( XXXX ) ( A ) and ( B ) ( i ) and XXXX XXXX XXXX ( a ) ( XXXX ). These sections prohibit reporting inquiries not initiated by the consumer unless specific conditions are met, such as prior written authorization or a firm offer of credit. I did not authorize these inquiries and never provided my written consent. As such, their presence on my credit report is unlawful. The consumer reporting agency has also failed to provide evidence of permissible purpose or documentation containing my signature authorizing these inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: WI

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly XXXX XXXX. XXXX ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my XXXX XXXX and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-08-06 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-08-06 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am filing this complaint because the consumer reporting agency has included unauthorized hard inquiries on my credit report, which were not initiated by me. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ) and 15 U.S.C. 1681g ( a ) ( 5 ). These sections prohibit reporting inquiries not initiated by the consumer unless specific conditions are met, such as prior written authorization or a firm offer of credit. I did not authorize these inquiries and never provided my written consent. As such, their presence on my credit report is unlawful. The consumer reporting agency has also failed to provide evidence of permissible purpose or documentation containing my signature authorizing these inquiries.

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 2025-08-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I discovered a fraudulent account listed on my credit report that I did not open or authorize. I have submitted documentation, but no corrective action has been taken.

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 2025-08-06 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: AZ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-08-06 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: AZ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Dear Synchrony Customer Service, I am writing as a long-standing and responsible customer regarding a serious issue that has affected two of my accountsAmazon and XXXX XXXX . I recently attempted to make payments to both accounts using our Home Equity Line of Credit ( HELOC ), which is in my husband 's name. Unfortunately, the initial payments were returned by our bank due to the transactions being initiated under my name rather than as third-party payments. 

Upon receiving this information, I proactively contacted both Amazon and XXXX XXXX customer service teams to request specific instructions on how to properly make payments using the HELOC. I explained the situation in detail and was assured by your representatives that the payments could be processed if my husband, as the account holder of the HELOC, provided the necessary information directly. These calls were monitored, and I also requested that notes be added to my accounts to document our efforts and compliance. 

Despite following the guidance provided, the payments were returned two additional times. On the third attempt, the payments were finally accepted. Throughout this process, my husband and I acted in good faith and followed all instructions given by your agents. 

I have maintained excellent credit history with both XXXX and XXXX XXXX accounts, consistently making timely payments and keeping my credit score above XXXX. However, shortly after resolving the payment issue, I received letters stating that my accounts were closed due to dishonored payments and activity indicating a high risk of failure to pay. This characterization is not only inaccurate but deeply concerning given my impeccable credit record. 

I have submitted a letter from our bank explaining the reason for the returned payments and confirming that this was a procedural issuenot a reflection of financial instability or unwillingness to pay. I respectfully request that you review the recorded calls and account notes to verify that we followed all instructions provided by your representatives. 

This situation appears to be a misunderstanding, and I feel unfairly penalized for attempting to use a new payment method in accordance with your guidance. I am requesting the reinstatement of both accounts and restoration of any negative impact to my credit profile. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.

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 2025-08-06 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: NY

Complaint narrative:
Equifax reported seven ( 7 ) inaccurate accounts on my credit report. Within those accounts, there were a total of fourteen ( 14 ) individual inaccuracies, including : Incorrect balances Wrong account statuses Duplicate reporting Outdated derogatory information Accounts not belonging to me Accounts that should have been removed under FCRA guidelines After submitting disputes, Equifax eventually corrected the errors. However, the inaccurate reporting remained on my credit file for an extended period and caused serious harm : I was forced to pay a higher interest rate on a XXXX XXXX XXXX XXXX due to a damaged credit score I was required to obtain a co-signer on that loan I was denied for other credit opportunities, including auto and personal loans I have been unable to purchase another car, relying on XXXX and XXXX XXXX, which has cost me significantly The situation has caused severe emotional distress, disruption to my life, and ongoing financial hardship These issues were a result of Equifaxs failure to comply with the Fair Credit Reporting Act ( FCRA ), including its obligations to ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) and properly reinvestigate disputed information ( 15 U.S.C. 1681i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Monterey Financial Services LLC
State: NC

Complaint narrative:
My initial phone call to Monterey Financial, they would not even tell me who the account was affiliated with and kept telling me they couldnt speak to me. When I figured out who it was affiliated with ( XXXX XXXX XXXX and XXXX XXXX ) I called them back on several occasions advising the account was up to date. I made multiple phone calls to both Monterey Financial and XXXX XXXX and XXXX XXXX, and each call I was given different information and the run around. The account was paid on XX/XX/year>. On XXXX occasions I was told to submit documentation and they would confirm the information and update it, so I submitted the information. I was told it wasnt received then that it was received but I was accused of typing the information myself. I resubmitted the documents again to a Supervisor XXXX ext XXXX at XXXX XXXX along with additional documents that were requested and was promised the information would be updated no later than XX/XX/year>. I have been calling since XX/XX/year> because the information still isnt updated and now XXXX will not take my call and has not returned my call. This inaccurate information is delaying the purchase of my home and this information was provided and still they have not updated the information. I also have recorded phone calls of which they were advised were being recorded and I have sent several emails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
The company is portfolio recovery they have been making me pay a debt that was not authorized by me. My credit information has been leaked and I been paying debt that is not related to me. I got a letter that someone in XXXX  was trying to get a car in my name. Please help fix all these debts that are linked to me. Which is causing great impact on my financial life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6100.00}

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing inaccurate information on my credit report related to an account from XXXX XXXX, reported by TransUnion. The account is listed as a closed account with a {$2200.00} balance and is labeled as a charge-off/collection. 

I believe this is inaccurate or unverifiable. The reporting of this account is negatively impacting my credit score, and I have not received proper validation of the debt. I have requested verification and accurate reporting, but the account continues to report as derogatory. The Fair Credit Reporting Act ( FCRA ) requires that all information reported be accurate and verifiable, which I do not believe has been met in this case.

Under FCRA 623 and 611, information furnished to credit reporting agencies must be : Accurate Complete Verifiable If XXXX XXXX or TransUnion is reporting : A balance that isnt owed A charge-off without proper validation Incomplete or outdated payment history Any unverifiable account info Then it may be a violation.

If youve disputed this account and : TransUnion failed to respond or investigate within 30 days Or did not correct/remove unverifiable info That violates FCRA 611 ( a ). 

3. Re-aging the Account Improperly The account shows a recent report date of XX/XX/XXXX, but you said it was opened in XX/XX/XXXX and is closed. 

If they updated the last reported date or reset the delinquency date to make it stay on your credit longer than 7 years thats called re-aging, and its illegal under FCRA 605 ( c ).

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing inaccurate information on my credit report related to an account from XXXX XXXX, reported by XXXX The account is listed as a closed account with a {$2200.00} balance and is labeled as a charge-off/collection.

I believe this is inaccurate or unverifiable. The reporting of this account is negatively impacting my credit score, and I have not received proper validation of the debt. I have requested verification and accurate reporting, but the account continues to report as derogatory. The Fair Credit Reporting Act ( FCRA ) requires that all information reported be accurate and verifiable, which I do not believe has been met in this case.

Under FCRA 623 and 611, information furnished to credit reporting agencies must be : Accurate Complete Verifiable If XXXX XXXX or XXXX is reporting : A balance that isnt owed A charge-off without proper validation Incomplete or outdated payment history Any unverifiable account info Then it may be a violation.


If youve disputed this account and : TransUnion failed to respond or investigate within 30 days Or did not correct/remove unverifiable info That violates FCRA 611 ( a ). 3. Re-aging the Account Improperly The account shows a recent report date of XX/XX/XXXX, but you said it was opened in XX/XX/XXXX and is closed. 

If they updated the last reported date or reset the delinquency date to make it stay on your credit longer than 7 years thats called re-aging, and its illegal under FCRA 605 ( c ).

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 2025-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against cash app ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution requirements under the electronic fund transfer act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I Seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: Experian Information Solutions Inc.
State: NV

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 2025-08-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
An account created without my knowledge has been reported to the credit bureaus and is damaging my credit. I have no association with this account.

Company response to consumer: Closed with explanation