vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I, XXXX XXXX XXXX, hereby submit this formal written notice and declaration under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and all applicable federal and state consumer protection laws. I am demanding immediate action to ensure that only current, complete, accurate, verifiable, and true information remains on my credit file. Any and all information that is incorrect, incomplete, unverifiable, outdated, misleading, or misreported must be promptly deleted. I DO NOT AUTHORIZE you to report or retain any information that does not fully meet the standards of truth, accuracy, timeliness, completeness, ownership, responsibility, and compliance with Metro 2 data formatting standards. You are obligated under federal law to ensure the maximum possible accuracy of my credit information. Failure to do so is a violation of the FCRA, the Credit Reporting Settlement Agreement ( CRSA ), and Metro 2 compliance obligations.

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 2025-04-27 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:
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 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 2025-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: IL

Complaint narrative:
XXXX consumer protection bureau I'm filing this dispute under statues 15 USC 1681 e-b-c-a-i-g and also under 1692 e, f, g, a, b and I I'm writing to provide an update on my ongoing complaint against Equifax regarding errors on my credit report despite initiating arbitration with your office on XX/XX/year> please allow me to add complaint numbers XXXX second complaint number XXXX and the last number is XXXX Equifax has yet to correct errors on my credit report I am requesting intervention and supervisory intervention from your office you can play to compel Equifax TransUnion and experiencXXXX to take immediate actions updating my credit score arbitration has already been initiated against all three why do they refuse to adhere or respond to the law is beyond me so I am requesting your office to immediately investigate why they keep committing the same infractions and nothing is done

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Started a dispute with XXXX for " PORTFOLIO RECOVERY for inaccurate information through XXXX. Shows a balance of XXXX $ and the report from TransUnion shows balance of XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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:
My name is XXXX XXXX, and I am formally disputing several unauthorized accounts and inquiries currently listed on my credit report. I am requesting the immediate blocking and removal of these items in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), as they are the result of identity theft. Unfortunately, I have become a victim of identity theft. I did not open or authorize the following accounts or inquiries, nor did I approve any transactions associated with them. These fraudulent entries are negatively impacting my credit profile and financial integrity. Fraudulent Accounts to Be Blocked Creditor Name Date Opened Amount Owed Status XXXX XXXX XX/XX/XXXX. {$0.00} Current XXXX  XXXX XX/XX/XXXX {$1000.00} Collection/Charge Off XXXX  XXXX XX/XX/XXXX {$4100.00} Collection/Charge Off XXXX XX/XX/XXXX {$0.00} Late 30 Days XXXX. XX/XX/XXXX {$11000.00} Late 60 Days XXXX XXXX XX/XX/XXXX {$0.00} Current XXXX XXXX XX/XX/XXXX {$0.00} Current XXXX XXXX XX/XX/XXXX {$460.00} Current XXXX  XXXX XX/XX/XXXX {$290.00} Current Unauthorized Inquiries to Be Removed Creditor Name Type of Business Date of Inquiry Credit Bureau XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX  XXXX  Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
Dear CFPB, I am writing to formally lodge a complaint regarding the handling of a class action lawsuit related to debt settlement services, which I believe has resulted in unfair practices affecting consumers, including myself. 

Description of the Issue : 1. Class Action Details : The class action lawsuit was filed against OneMain.The lawsuit claims that the company engaged in deceptive practices deceptive practices, communications between XXXX and XXXX. 
These practices have caused significant financial and emotional stress. Despite attempts to seek resolution through the company 's customer service and legal channels, my concerns were not adequately addressed. 

I respectfully request that the CFPB investigate the practices of the company involved in this class action lawsuit. It is crucial that they be held accountable for any deceptive practices that harm consumers. Additionally, I believe that potential changes in regulation may be necessary to prevent such situations from occurring in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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:
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Equifax credit report on XXXX XXXX and some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf,
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.

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: VA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. Please remove this account from my report ; it's hurting my ability to obtain credit.

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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 

XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2100.00}

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 2025-04-27 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised — 
Company: Acra Intermediate Holdings, LLC
State: FL

Complaint narrative:
My property was impacted by the hurricanes, Helene & Milton, in XXXX & XX/XX/XXXX, and loan is supposed to be in forebearance ; however the company has not done a good job of helping me. The company has been very difficult about honoring the forebearance program, now with loss mitigation. They recently started adding lawyer fees onto my loan b/c we are behind in our payments ( hence forebearance ) my goal is to start making payments and negotiate the missed payments. The company is Citadel financing out of CA. 
I was in forebearance through XXXX, asked for an extension and the company dropped the ball after I emailed in the documentation on XX/XX/XXXX, it was acknowledged on XX/XX/XXXX and XX/XX/XXXX and nothing was done. I sent documentation in again on XX/XX/XXXX and XX/XX/XXXX. They acknoweldged my letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
I then contacted them again on by fax on XX/XX/XXXX and submitted requests to their loss mitigation portal cooperating with all their intake requests. They recently sent me a mortgage statement on XX/XX/XXXX outlining {$1600.00} in inspection & XXXX ATTY fees on top of my missed payments due to forebearance. 
The company is extremely difficult to deal with, provide help, and shows a blatant disregard for human empathy during natural disasters impacting my property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Phone : ( XXXX ) XXXX XXXX : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX TO : XXXX XXXX XXXX Credit XXXX Department XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Fraudulent Account Notification and Request for Immediate Action Dear XXXX XXXX XXXX, I am writing to notify you that the account you are reporting in my name is the result of identity theft. 
I did not authorize or open any account with XXXX XXXX XXXX. 

From XX/XX/XXXX through XX/XX/XXXX, I was incarcerated in a XXXX XXXX XXXX, making it impossible for me to have opened or authorized any accounts during this time. 
This account is fraudulent and must be immediately addressed in compliance with the Fair Credit Reporting Act ( FCRA ). 

As per my rights under FCRA and the advice provided by the Federal Trade Commission ( FTC ), I hereby request that you : Close the fraudulent account immediately. 

Confirm in writing that : The account is not mine I am not liable for any balance associated with this account The account has been removed from all credit reporting agencies ( Experian, Equifax, and TransUnion ) Cease any collection activities related to this account. 

Enclosed you will find : A copy of my FTC Identity Theft Report A copy of my Government-issued Photo ID Proof of Address Proof of Incarceration Failure to fully comply within the timeframe mandated by the FCRA will result in further complaints being filed with the Consumer Financial Protection Bureau XXXX CFPB ), Federal Trade Commission XXXX FTC ) XXXX and any other applicable regulatory agencies. I will also explore all available legal remedies. 

Please provide the requested confirmation in writing and forward it to the address listed above. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Phone : ( XXXX ) XXXX XXXX : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX TO : XXXX XXXX XXXX Credit XXXX Department XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Fraudulent Account Notification and Request for Immediate Action Dear XXXX XXXX XXXX, I am writing to notify you that the account you are reporting in my name is the result of identity theft. 
I did not authorize or open any account with XXXX XXXX XXXX. 

From XX/XX/XXXX through XX/XX/XXXX, I was incarcerated in a XXXX XXXX XXXX, making it impossible for me to have opened or authorized any accounts during this time. 
This account is fraudulent and must be immediately addressed in compliance with the Fair Credit Reporting Act ( FCRA ). 

As per my rights under FCRA and the advice provided by the Federal Trade Commission ( FTC ), I hereby request that you : Close the fraudulent account immediately. 

Confirm in writing that : The account is not mine I am not liable for any balance associated with this account The account has been removed from all credit reporting agencies ( Experian, Equifax, and TransUnion ) Cease any collection activities related to this account. 

Enclosed you will find : A copy of my FTC Identity Theft Report A copy of my Government-issued Photo ID Proof of Address Proof of Incarceration Failure to fully comply within the timeframe mandated by the FCRA will result in further complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission XXXX FTC ) XXXX and any other applicable regulatory agencies. I will also explore all available legal remedies. 

Please provide the requested confirmation in writing and forward it to the address listed above. 

Thank you for your immediate attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I applied for a Chase Sapphire Preferred credit card after maintaining a good standing with Chase for over one year with my Chase Freedom card. Before approving my application, Chase 's representative spent over 45 minutes on a verification call with me, carefully reviewing my credit history. They confirmed that I had no recent credit cards opened, no excessive inquiries, and verified all my information correctly. 

After the approval, I continued using my account normally without any large purchases, missed payments, suspicious activity, or credit abuse such as cycling, gift card purchases, or gambling. My credit score is above XXXX, and Also don't have 5 cards in the last 24 months opened Despite this, on XX/XX/year>, I discovered that both my Chase Freedom and newly approved Chase Sapphire Preferred accounts were suddenly closed without any notification, explanation, or prior warning from Chase. 

I have also completed multiple verifications in the past ( calls, SMS, emails, and notifications ) where I consistently provided accurate information including my SSN, ITIN, phone number, and email address. I have never had any returned payments, late payments, or high-risk activity. 

This sudden closure has impacted my credit standing and customer relationship unfairly. I believe this closure may have been an automated or erroneous action and request a full review and reinstatement of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Before I came to the XXXX, I worked for the XXXX XXXX ( XXXX XXXX ) in XXXX for over XXXX years in XXXX. Last year when I turned XXXX I was due a pension from them. I received a one time sum of approximately {$8000.00} which I thought that was it. The only way they could send it to me was by wire transfer to my account with Citibank. The amount was split in two and I was charged a wire transfer fee of {$15.00} for each transaction which I understood. After the money was in my account with Citi, I asked them to close it because I moved the money to another Citi Bank account which was the one I was using and I had a bank card for. I also have a direct payroll deposit ( from my job here in the XXXX ) for this Citibank account. 

On Friday, XX/XX/XXXX I found out that the account that the money from XXXX was wired to not closed and that I was still receiving pension payments ( twice a month ) from the XXXX XXXX ( XXXX XXXX ) in XXXX. These payments are very small - maybe about $ XXXX twice a month. They are wiring me these payments. What I come to find out that each time they send me a wire transfer pension payment Citibank is charging me a wire transfer fee of {$15.00}. As of XX/XX/year>, I have accumulated approximately {$300.00} in fees. I went into Citibank in XXXX XXXX, Maryland ( XXXX XXXX XXXX ) to talk about this. I also called their wire transfer XXXX # and talked to a supervisor and asked if these fees could be removed. I was informed they would not remove them. I have looked for ways to see how I can receive this small pension payments ( twice a month ) without having to incur a wire transfer fee and it looks like there is no way. I was hoping since I have been a customer with Citi they would make an exception and allow these payments to come in without charging a fee!! Since the money is coming from overseas XXXX will not work and neither will XXXX XXXX. I am now left with trying to open an account XXXX to see if I can get my pension payments! 




Thanks

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 monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: DE

Complaint narrative:
This collection was put on my credit report! 
I do not owe Southwest Credit systems!

Company response to consumer: Closed with non-monetary relief