vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: MN

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-07-29 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX - XXXX - Account not mine XXXX  - XXXX - Account not mine XXXX XXXX  - XXXX - Account 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
Consumer complaint received 2025-07-29 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: GA

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 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 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 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 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 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 XXXX XXXXXX/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 explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank Failed to Detect or Reimburse Fraudulent Check Deposits Requesting Full Restitution Dear Sir/Madam, We are writing to formally file a complaint against JPMorgan Chase Bank concerning a series of fraudulent check deposits committed by a former employee of our company located in XXXX, California. 

Background : After her termination, the former employee fraudulently deposited multiple checks from our business account, totaling {$30000.00}. These fraudulent actions were not discovered until months later during a routine account review. Upon investigation, we found : 1. Several checks were pre-signed for internal business use, but were misused by the employee without authorization ; 2. Other checks had completely forged signatures ; 3. Multiple checks were deposited repeatedly using the same check number ; 4. Some checks showed visible signs of tampering, with overwritten amounts and ink alterations ; 5. Many checks were stale-dated, over one year oldfar exceeding the standard XXXX check validityyet Chase still processed them without scrutiny. 

We promptly submitted all evidence and a police report to Chase and law enforcement. Chase acknowledged the fraud and reimbursed {$16000.00} through their internal fraud insurance policy. However, Chase refused to reimburse the remaining {$13000.00} in losses, citing that those checks were outside the XXXX review period. 

Why We Are Filing This Complaint : While we appreciate Chases partial reimbursement, we believe their internal deadline is being used to avoid accountability for systemic failures. We strongly object to the idea that fraud occurring more than 60 days ago is somehow less worthy of protectionespecially when : 1. All fraudulent checks followed the same pattern : unauthorized deposits, forged signatures, altered handwriting, stale-dated entries, and duplicate check numbers ; 2. Chase failed to detect clear red flags that any robust fraud detection system should catch ; 3. Chase reimbursed some checks that were identical in nature to the ones they refused, solely due to an internal policy deadlinenot based on factual differences ; 4. We, as victims, reported the fraud as soon as we discovered it and acted in full good faith ; 5. Chases own failure to monitor duplicate check numbers, validate dates, or verify signature authenticity led to these repeated losses. 

We have prepared a complete documentation package, including : 1. Copies of all fraudulent checks ; 2. A breakdown showing which were reimbursed and which were denied ; 3. Bank statements and correspondence with Chase ; 4. The related police report. 

We are available to provide all supporting documentation upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: LA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-29 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: CA

Complaint narrative:
I am a victim of identity theft, and there is an address being reported on my credit file that is not mine and was added fraudulently. 

I have never lived at this address, nor do I have any financial or legal connection to it. I believe this address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, was used by an identity thief to fraudulently open accounts in my name. 

I have already submitted written disputes to the credit reporting agenciesTrans Union, including documentation to verify my true current and past addresses, a copy of my government-issued ID, and an identity theft report ( FTC report and/or police report ). 

Despite this, the incorrect and unauthorized address remains on my credit file. I am requesting that the CFPB assist in having this address permanently removed from all three credit bureaus and that I receive written confirmation of its deletion.

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 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
This is the second time Wells Fargo has ; pulled this stunt. There was a cash advance transaction from my credit card to my checking account. The transaction was for {$32.00} on XX/XX/XXXX. I was charged a {$10.00} transaction fee. I did not do this transaction. My Social Security check, pension check and my paychecks are deposited automatically into my checking account, I have over {$95000.00} in my checking account, why would I make such a transaction and be charged {$10.00}. I spoke with Wells Fargo who says it was an " online transaction ''. I did not log on to my online account on XX/XX/XXXX. They close my credit card account and re-opened a new account without my permission. I have vendors on this particular card that I would have to contact. I do not know how many vendors there are, I hope I do not get charged with late fees in case I miss a payment. As stated previously, this happened before, please my case # XXXX, 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 explanation
Consumer complaint received 2025-07-29 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: CA

Complaint narrative:
I am formally disputing multiple unauthorized inquiries currently listed on my credit report. These entries were made without my consent and have adversely affected my credit standing and score. 

I previously contacted your agency and was assured that these inquiries would be removed ; however, they remain. This failure to take corrective action is unacceptable. 

These inquiries appear to be potentially fraudulent, raise serious concerns about identity theft, and are causing ongoing financial and emotional distress.

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 2025-07-29 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: NJ

Complaint narrative:
I'm filing this complaint because Equifax is still reporting these unauthorized and unverified accounts on my credit report : 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. I already disputed these accounts and provided all supporting documents, including my ID and utility bill, so there's no reason they should still be showing. These accounts were reported without my written consent, which violates 15 U.S.C.1681b ( 2 ). Under the FCRA, a consumer report may only be furnished when I give written instructions, and I never did. I also previously identified these as related to identity theft and submitted proper documentation, which triggers 15 U.S.C. 1681c-2. Equifax was required to block or delete the information within 15 business days, and they failed to do that. As of today, I am formally requesting Equifaxs Method of Verification under 15 U.S.C. 1681i ( 7 ). I want to know who they contacted, how they verified it, what documents were reviewed, and where they got a wet signature if theyre claiming this was authorized. Just sayingverified is not enough. Theyre also violating 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy. Reporting unauthorized data that Ive already disputed shows they are not fulfilling that duty. This has seriously impacted my credit and harmed opportunities related to my business. I'm demanding the immediate deletion of these accounts, a full Method of Verification response, and an updated copy of my report. Im giving Equifax 15 days to fix this or I will escalate this matter, including legal action under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance. This is not a new issue ; Ive tried resolving it before, and now I expect it to be taken seriously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: GA

Complaint narrative:
Incorrect addresses, employers reporting on credit file. Missing birthday on credit file. I have filed an FTC Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: NY

Complaint narrative:
XXXX  XXXX XX/XX/year>. XXXX  XXXX XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year> -EQUIFAX XXXX XXXX XXXX Date of Inquiry XX/XX/year>. XXXX  Date of Inquiry XX/XX/year> XXXX XXXX  Date of Inquiry XXXX Date of Inquiry XXXX Date of Inquiry XX/XX/year> XXXX XXXX  Date of Inquiry XX/XX/year>..... XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: NH

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer FICO credit report which I do not recognize and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX XXXX XXXX on XX/XX/year> under account number XXXXXXXX XXXX XXXX XXXX XXXX with a reported balance of {$50.00}, and an auto loan opened at XXXX XXXX XXXXXXXX on XX/XX/year> under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a reported balance of {$16000.00}. These accounts have caused multiple unauthorized hard inquiries and negative reporting. I demand that these items be immediately removed from each of my consumer credit reports and that all collection activity related to them cease pursuant to my rights under the FCRA and FDCPA.

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 2025-07-29 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: CA

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 : INQUIRIES : XXXX Date : XX/XX/year>

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 2025-07-29 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: CA

Complaint narrative:
I settled a credit card account with XXXX XXXX in XXXX. The agreed amount was paid, yet Experian continues to report the full original balance as " charged off '' and " past due '' with no mention of the settlement. This is inaccurate and misleading. The account is legally uncollectible and inaccurately labeled as past due, despite resolution. I attempted to dispute this directly with Experian, but it remains unchanged. Im requesting either correction to reflect the settled status with a {$0.00} past due amount, or full removal of the tradeline if verification can not be provided.

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 2025-07-29 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:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c 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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I enrolled in a hardship payment plan through a third-party credit counseling agency. However, the payment they submitted on my behalf was {$13.00} short of the outstanding minimum due. As a result, my account was reported as XXXX  days past due for that small remaining balance. 

I want to highlight that I have continued to make all subsequent payments as required under the agreed plan. Unfortunately, this single {$13.00} discrepancy has led to a negative mark on my credit report that may remain for XXXX years, despite my ongoing good faith efforts to stay current.

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 2025-07-29 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica
State: TX

Complaint narrative:
I am writing to formally file a complaint regarding the ongoing and unresolved issue with my Direct Express card, which is currently locked and preventing me from accessing my Supplemental Security Income ( XXXX ) funds for the month of XXXX, and now XXXX as well. I was instructed by Direct Express to provide proof of identity, including a valid government-issued ID and Social Security card . I have taken all reasonable steps to comply, including visiting my local Social Security Administration ( SSA ) office. SSA confirmed my identity and informed me that they have no restrictions on my benefits and that the issue lies solely with Direct Express. Despite multiple attempts to resolve this matter by contacting Direct Express customer service, I have not received a clear path forward, nor have I been able to speak with someone who can fully resolve the issue. I am now facing severe financial hardship, unable to access funds that are legally mine, and essential for housing, food, and medical needs. 
I respectfully request immediate assistance in. Please consider this matter urgent. I have complied with all requested steps, and my only source of income has been inaccessible for weeks. I need immediate action to restore access to my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion Consumer SolutionsXXXX XXXX XXXX XXXX XXXXSubject: Follow-Up  Request to Block and Delete Fraudulent Accounts  Identity Theft Victim\nDear Transunion Consumer Services,\n\nI am following up on my previous request regarding the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the TransUnion data breach, and unauthorized accounts have been fraudulently opened in my name.\n\nThe fraudulent accounts that I have identified on my credit report are as followsXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnder 15 U.S.C.  1681c-2(a), I request that Transunion promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity.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