vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: GA

Complaint narrative:
I am submitting this complaint regarding inaccurate, unverifiable, outdated, or improperly verified items on my credit reports from Experian, Equifax, and TransUnion. 

Despite submitting formal disputes, these credit bureaus continue to report information in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, the following accounts and issues remain unresolved : - XXXX  XXXX XXXX XXXX account that is obsolete and exceeds the XXXX reporting limit. 
- XXXX XXXX XXXX XXXX  XXXX with inconsistent data and no supporting verification. 
- XXXX XXXX Account marked as charge-off and still updated monthly despite originating delinquency over 7 years ago ( illegal re-aging ). 
- XXXX XXXX XXXX XXXX XXXX account was marked verified with no explanation or evidence, despite formal dispute. 
- Multiple Hard Inquiries Appear without permissible purpose or my authorization. 

In addition, some accounts reflect inaccurate late payment history, which does not match my actual payment activity. Some balances remained unchanged, while negative payment markers continuedthis is potentially deceptive and misleading reporting. 
I have exercised my rights under : - 15 USC 1681e ( b ) : To require accurate and complete reporting - 15 USC 1666b : For improper late payment billing cycle reporting - 15 USC 1681i ( a ) ( 7 ) : For improper verification of disputed items - 15 USC 1681b : For unauthorized credit inquiries These issues continue to negatively affect my credit score and financial standing. I am requesting that the CFPB investigate and ensure the credit bureaus and furnishers : - Provide a full accounting of how disputes were verified - Remove or correct unverifiable, re-aged, and inaccurate data - Cease reporting unauthorized 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 non-monetary relief
Consumer complaint received 2025-06-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint regarding inaccurate, unverifiable, outdated, or improperly verified items on my credit reports from Experian, Equifax, and TransUnion. 

Despite submitting formal disputes, these credit bureaus continue to report information in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, the following accounts and issues remain unresolved : - XXXX  XXXX XXXX XXXX account that is obsolete and exceeds the XXXX reporting limit. 
- XXXX XXXX XXXX XXXX  XXXX with inconsistent data and no supporting verification. 
- XXXX XXXX Account marked as charge-off and still updated monthly despite originating delinquency over 7 years ago ( illegal re-aging ). 
- XXXX XXXX XXXX XXXX XXXX account was marked verified with no explanation or evidence, despite formal dispute. 
- Multiple Hard Inquiries Appear without permissible purpose or my authorization. 

In addition, some accounts reflect inaccurate late payment history, which does not match my actual payment activity. Some balances remained unchanged, while negative payment markers continuedthis is potentially deceptive and misleading reporting. 
I have exercised my rights under : - 15 USC 1681e ( b ) : To require accurate and complete reporting - 15 USC 1666b : For improper late payment billing cycle reporting - 15 USC 1681i ( a ) ( 7 ) : For improper verification of disputed items - 15 USC 1681b : For unauthorized credit inquiries These issues continue to negatively affect my credit score and financial standing. I am requesting that the CFPB investigate and ensure the credit bureaus and furnishers : - Provide a full accounting of how disputes were verified - Remove or correct unverifiable, re-aged, and inaccurate data - Cease reporting unauthorized inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$910.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX  XXXX BANKRUPTCY - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-06-17 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: VA

Complaint narrative:
This is my second formal request for reinvestigation regarding the incorrect reporting of a paid charge-off account. Despite a previous dispute, the account continues to be inaccurately reported by the credit bureaus.

Account Details : - Original Creditor : XXXX XXXX - Account Number : XXXX Ongoing Issues : Errors in dates, payments and amounts .The reported payment and opening dates are incorrect.

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 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Subject : Complaint Against Chase Bank for Withholding Cleared Deposits and Arbitrary Account Closures Message : I am filing this complaint against JPMorgan Chase Bank regarding its recent refusal to release funds deposited into two newly opened accountsdespite both deposits having cleared the issuing banks. 

On XX/XX/year>, my wife, XXXX XXXX, and I visited a local Chase branch in XXXX, Arizona, to open two new accounts : a personal checking account in our names and a business account for my consulting firm, XXXX  XXXX XXXX. We have excellent credit ( FICO over XXXX ), and my wife has maintained a Chase credit card for nearly 10 years. She also has a Chase business banking relationship through her CPA firm. 

We deposited the following checks : {$1000.00} check from XXXXXXXX XXXX XXXX XXXX into the new personal account. 

{$13000.00} check from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX into the new business account.

Within 24 hours, Chase notified us that they had chosen to close both accountsincluding the business credit card for which I had just been approvedwithout explanation. To make matters worse, although both deposited checks have already cleared the issuing banks, Chase has informed us that they are holding our {$14000.00} for 10 to 14 days.

We consider this : A wrongful withholding of cleared funds, A lack of transparency in business decisions that materially affect customers, And a practice that may constitute unfair treatment under federal banking and consumer protection regulations.

We are demanding the immediate release of our funds, a written explanation of Chases actions, and compensation for any lost interest or damages resulting from this action.

We respectfully request that the CFPB investigate this matter and compel Chase to comply with all applicable laws governing consumer and business accounts. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: VA

Complaint narrative:
I am writing to formally submit a complaint and request an investigation regarding incorrect reporting of a paid charge-off account on my credit reports.

Account Details : - Original Creditor : XXXX XXXX  XXXX Account Number : XXXX Issues : 1. The account was fully paid and never late, but is still reported as a charge-off on Equifax and TransUnion.

2. On XXXX, the account is correctly reported as paid.

3. There are errors in the reported payment date.

4. There are inaccuracies in the account opening date.

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 2025-06-17 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: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-06-17 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: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: Credit Corp Solutions Inc.
State: GA

Complaint narrative:
XX/XX/XXXX - {$620.00} - XXXX XXXX XXXXXX/XX/XXXX - {$2600.00} - Credit Corp Solutions Inc XX/XX/XXXX - {$3900.00} - XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, Englehardt v. Gravens ( Mo. ) 281 S.W. 715, 719. I may presume that no evidence of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XX/XX/XXXX - {$620.00} - XXXX XXXX XXXXXX/XX/XXXX - {$2600.00} - XXXX XXXX XXXX XXXX XX/XX/XXXX - {$3900.00} - LVNV Funding LLC I have not supplied proof under the doctrine of estoppel by silence, Englehardt v. Gravens ( Mo. ) 281 S.W. 715, 719. I may presume that no evidence of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
A formal request was sent to Eastern account XXXX, XXXX to provide a complete validation of alleged debt. A legible copy of the signed contract or agreement with the original creditor XXXX XXXX XXXX that establishes this debt and my liability for it. A detailed, Itemized breakdown showing how the total balance owed in the amount of {$300.00} was accumulated. Furthermore, this account is paid in full.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: MS

Complaint narrative:
XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX I'm a victim of identity theft there are not my inquiries there fraudulent please delete

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 2025-06-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

This account has violated my rights.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete the item listed above. You are required to do what i am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion havent provided my credit report to me in over a year, they keep saying its being sent to maintenance to call back in 5 days, after a week nothing changes. Its been going on for a year, as of XX/XX/year> I am still not able to get a credit report and they added stuff on my report that isnt mines, they report to CFPB that they need 60 days, then after 60 days nothing changes.

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 2025-06-17 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXXXXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$880.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6800.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$30000.00} BANKCRUPTCY - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I have been a member of USAA for more than 3 years. I have been in good standing with them. Yet today ( XX/XX/XXXX ) I received without warning an account closure. I was given no notice or reason. I had not been overdraft nor did I give them a reason. I was transferred to the fraud department and then I was told that there was fraudulent activity yesterday ( XX/XX/XXXX ) and that because I am separated from my husband that they closed my account. I asked why and all they said was they were allowed to tell me " expectations ''. They said they closed the account and in 60 days I would get a check with any remaining funds. They also said they would accept any deposits. So in essence, I received no notice or explanation for my account closure and now they have my money held hostage for more than 60 days so I don't know what to do without access to my funds. I have 2 small children that I still need to feed and take to their places such as doctor 's appointments and now I am left without any funding sources. If it was due to fraudulent activity, why did I get punished?

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent out letters certified mail to each credit reporting agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and everything as accurate. This is false because there a number of inaccuracies on my consumer report that still remain. They have failed to perform a proper investigation pursuant to 15 usc 1681 ( a ) ( 1 ) ( 5 ) .I am now requesting the description of the reinvestigation procedure pursuant to 15 usc 1681i ( 7 ). They have 30 days to respond the description or else above listed accounts need to be removed from my consumer report.

Company response to consumer: Closed with non-monetary relief