vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be 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 2025-07-18 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: IL

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 four 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 : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$960.00} XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX OFFICE OF THE ATTY GEN 3. OFFICE OF THE ATTY GEN 4XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-07-18 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: TN

Complaint narrative:
Credit Bureau has continued to violate my rights under the FCRA by posting the following medical account on my credit report ( XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # ) I have already reached out to them and notified them that they are in violation of the CFPB " your '' Final Ruling on Regulation V, 12 CFR Part 1022, [ Docket No. CFPB-2024-0023 ] RIN XXXX, Prohibition on Creditors and Consumer Reporting Agencies concerning Medical Information. They are hurting my credit standing and preventing me from obtaining credit and i request that they remove the above listed account immediately.

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 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase closed my checking account on XX/XX/year>, citing evidence of abuse of our claims process after I submitted multiple transaction disputes. However, I submitted those claims in good faith for transactions where I either did not receive the item or was scammed by sellers. I have documentation to support each of these claims. 

Despite my efforts to resolve the matter, Chase did not give me a fair opportunity to present this evidence or appeal the decision. When I called their customer service, I was told the decision was final and that nothing could be done. I also reached out to their executive office via email, but they have not helped or offered any further assistance. 

I believe this action was unfair and taken without proper review of the circumstances. I am requesting that Chase conduct a full and fair review of my account activity and the claims in question. I would like the opportunity to demonstrate the legitimacy of my actions and avoid the long-term consequences of this unjustified account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
What happened : On XX/XX/XXXX, I was charged three overdraft fees by First Horizon Bank. I had transferred funds around XXXX XXXX  to cover the overdraft before the bank processed the charges. Despite this, the fees were applied. 

I contacted customer service the next morning and escalated to a manager, who stated that I had already used my two allowed overdraft fee refunds earlier this year ( XXXX and XXXX ), and nothing could be done. 

Why I'm filing this complaint : I believe the overdraft fees were unfairly applied, given that funds were available before the end of the business day. I also believe that the only 2 refunds per year policy is overly rigid, especially when the customer acts in good faith to correct the issue immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-18 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: TX

Complaint narrative:
I discovered that my credit report is reflecting multiple inaccurate and unverifiable negative accounts, as well as hard inquiries that I never authorized. Despite previous disputes, the credit bureaus and the reporting creditors have continued to report this information without providing proper documentation to validate the accuracy of the accounts. Some entries list incorrect payment histories, inflated balances, or accounts that do not belong to me. Additionally, inquiries made on various dates appear to have been pulled without my knowledge or consent, which constitutes a violation of the Fair Credit Reporting Act. I have taken all reasonable steps to request verification, including written disputes, but the issues remain unresolved. The continued reporting of this erroneous data has caused undue harm to my credit profile, affecting my ability to obtain credit and fair terms. I am now requesting that this matter be formally reviewed and corrected.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: TN

Complaint narrative:
I contacted both Nelnet and XXXX  multiple times. My loans were in federal forbearance, yet Nelnet reported false late payments for XXXX through XX/XX/year>. These late marks caused a XXXX score drop, despite no missed payments occurring. 

I disputed the accounts with XXXX, but they came back verified within days not a real investigation. Now, XXXX app blocks me from disputing the accounts again, stating the trade line is soft deleted. Nelnet has not provided proof these payments were valid, because they werent. 

I am requesting full removal or correction of these late payments and documentation sent to XXXX  reflecting the fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: FL

Complaint narrative:
I am a victim of identity theft, as documented in my official Identity Theft Report from the Federal Trade Commission ( FTC Report # XXXX ). This crime has resulted in fraudulent and inaccurate information appearing on my credit reports from TransUnion, XXXX XXXX XXXX. I have never made a late payment. I did not authorize anyone to use my personal information to seek money, credit, loans, goods, or services, nor did I receive any benefit from these unauthorized actions. 

The following items on my credit report are fraudulent or inaccurate : Fraudulent Collection Accounts : XXXX collection accounts from XXXX XXXX XXXX do not belong to me. These accounts, with numbers XXXX and XXXX, were opened without my knowledge or consent. The first account was opened on XX/XX/XXXX. The second account was opened on XX/XX/XXXX. 

Unauthorized Inquiries on my credit report that I did not authorize : XXXX on XX/XX/XXXX. 

Inaccurate Payment History : My credit report contains incorrect payment information for my student loans and credit card. The accounts with XXXX XXXX XXXX show a late payment history, specifically a XXXX late payment. This is a material inaccuracy. For a payment to be reported as XXXX  days late, it must have first been XXXX and XXXX days late. This is not reflected in my payment history, which indicates an error in the reporting. The XXXX account also shows a XXXX late payment that is incorrect, as I have never had a late payment. 

These inaccuracies violate my rights under federal law, specifically the Fair Credit Reporting Act ( FCRA ), as well as XXXX  state law, which recognizes identity theft as a serious crime.

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 2025-07-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
I am almost XXXX XXXX XXXX and have a judgement against a company who fraudulently dissolved to avoid paying me. I filed a lawsuit against them for fraud and am moving forward to hold them accountable with a XXXX XXXX attorney. In the meantime, I lost my company and my relationship with XXXX XXXX who I had XXXX XXXX for, and my retirement due to this. I have been left with no income other than XXXX  XXXX and have been renting rooms in my house to make the mortgage and household bills and selling XXXX  etc. to make bills left from the business. 
I had a hardship plan with American Express for my XXXX credit card which I successfully completed in XXXX, but now they will not offer me a new one when I so desperately need it. They keep saying there are none available t this time and to check back periodically which I do but get the same answer. Meanwhile I will soon be getting behind on the payments which is probably what they will use to keep denying me. Last month I sent money in increments to finally get the payment made, but now XXXX XXXX are slow due to the economy, and I have to discount things so much it's ridiculous, so takes forever to come up with what they want me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: Credit Karma, LLC
State: NJ

Complaint narrative:
Over the past XXXX  months, my XXXX  credit report has been subject to over XXXX soft inquiries from an entity labeled Credit Karma. I have never authorized Credit Karma to access my XXXX  file in any form. I do not use their services, have not installed their app, and have no account relationship with them. Furthermore, Credit Karma only operates with XXXX  and XXXX XXXX any access to my XXXX  file raises serious legal and procedural red flags. 

Under the Fair Credit Reporting Act ( FCRA ), no company may access a consumers credit file without a permissible purpose or explicit authorization. These inquiries fail both tests. XXXX  allowed repeated access by a third party that does not have my consent and is not even partnered with them. This reflects a systemic failure to safeguard consumer data and constitutes unauthorized use of a credit file under federal law. 

This is not about score impactthis is about data misuse. I submitted a formal dispute to XXXX  requesting : 1. Immediate removal of all unauthorized Credit Karma inquiries.

2. A written explanation of how this occurred, including what permissible purpose was claimed and what authentication XXXX  used to justify the access. 

If these entries are not removed and no satisfactory explanation is provided, I will consider pursuing formal action for negligent handling of my consumer file under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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:
An account that I have no knowledge of is being reported under my credit file. I did not open this account and consider it to be the result of fraudulent activity.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Complaint ID XXXX XXXXXXXX To the CFPB : This is a formal update to my existing complaint against Experian ( submitted XX/XX/year> ). 

Experian has submitted an interim response that is generic, dismissive, and insufficient. They have now claimed they are still working on my issue, despite the fact that : I have submitted multiple disputes to Experian over the past several months I have formally demanded that Experian delete unverifiable and inaccurate information as required by FCRA 1681i Experian has refused to provide verification or a method of verification for multiple accounts I have already suffered credit denials, financial harm, emotional distress, and reputational damage due to these ongoing violations Experian has had more than ample timenot only during the CFPB complaint window but well beforeto correct these violations. Instead, they have continued to report derogatory information without legally sufficient evidence, and in clear violation of FCRA requirements. 


-- - NOTICE OF LEGAL INTENT This will serve as final notice that : > I will be retaining legal counsel and filing a civil lawsuit against Experian in federal court for : Statutory damages under FCRA 1681n Actual damages under FCRA 1681o Punitive damages for willful noncompliance Attorneys fees and court costs I am demanding a total of {$6000.00} in statutory damages, plus compensatory and punitive damages for harm caused. I will not accept any further delays, stall tactics, or non-substantive updates from Experian. 

If this matter is not resolved in full, with deletion of the unverified accounts and compensation, within 5 calendar days, legal action will be initiated without further warning. 

Please document this statement as part of my official complaint record along with the attached documents that shows the multiple attempts to get this company to follow Federal and State laws. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-07-18 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: NC

Complaint narrative:
Please remove all accounts my information was exposed durning a data breach, the following accounts are not mine and under 605B law it should be investigated and deleted in four days are less the accounts are as follows : XXXX XXXX XXXX {$18000.00} opened on XXXX, XXXX XXXX XXXX {$8900.00} opened on XXXX, XXXX  XXXX XXXX XXXX {$4000.00} opened 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 explanation
Consumer complaint received 2025-07-18 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: CA

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

1681c-2 ) that you, the Equifax Information Services , 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 XXXXXXXX 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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: FL

Complaint narrative:
I am a victim of identity theft, as documented in my official Identity Theft Report from the Federal Trade Commission ( FTC Report XXXX  XXXX ). My information has been illicitly used to harm my credit history. My credit is important to me, and I have never made a late payment. I did not authorize anyone to use my personal information, nor did I receive any benefit from the accounts opened in my name. 

The following entries on my Equifax report are a result of this fraud and must be removed : Fraudulent Collection Accounts : A collection account that is not mine, with number XXXX, from XXXX XXXX XXXX. This account was opened on XX/XX/XXXX, without my permission. 

Incorrectly Reported Late Payments : My Equifax report shows a XXXX late payment for the XXXX XXXX XXXXXXXX account XXXX XXXX XXXXXXXX ) in XX/XX/XXXX, which is completely false. It is inconsistent with my payment history. My report also indicates a XXXX late payment for my XXXX account ( XXXX XXXXXXXX ) in XX/XX/XXXX. I have never had a late payment on this account. 

Unauthorized Credit Inquiry on my report that I did not authorize : XXXX  on XX/XX/XXXX. 

In accordance with the FCRA and XXXX  laws, I request that you investigate and delete all fraudulent entries and correct my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute and request the investigation and correction or removal of the following item on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), Section 611 [ 15 U.S.C. 1681i ]. 

The account in question is with XXXX XXXX XXXX XXXX, originally opened on XX/XX/XXXX, with a highest balance of {$36000.00}. It is currently reported as a Profit and Loss Write-Off / Charge-Off, and was closed on XX/XX/XXXX. Although the status indicates a charge-off, the reported balance is {$0.00}, and there is no clear explanation of whether the debt was settled, paid, or transferred to another entity.

I am requesting the following under the FCRA : 1. Verification of the accuracy and completeness of this account with the original creditor.

2. Clarification of whether this debt was settled or sold, and if sold, to whom.

3. Removal or update of the charge-off status if it can not be verified, per FCRA 1681i ( a ) ( 5 ).

4. Notification of results within the legally required 30-day period, as required by FCRA.

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 2025-07-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
While reviewing my credit profile I came across inquiries that are not mine.

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