vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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:
I wrote a handwritten letter to Transunion, Equifax, and Experian on Date : On XX/XX/2025, I mailed a formal hand-written dispute letter directly to TransUnion, Equifax, and Experian, by me, along with proof of identity and proof of residence in a federally declared disaster area. My dispute included a request for expedited reinvestigation under FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX timeline ) and application of the XXXX disaster code to the affected accounts. 
TransUnion received & signed ( XXXX  XXXX  ) my dispute on XX/XX/2025 ; Equifax received & signed ( XXXX XXXX ) my dispute on XX/XX/2025 ; Experian received & signed ( XXXX XXXX ) my dispute on XX/XX/2025, as confirmed by XXXX priority mail with signature tracking. Under the law, they were required to complete the reinvestigation and respond in writing no later than XX/XX/2025. 
Instead, on or about early XX/XX/XXXX, TransUnion sent me a stall letter claiming my dispute did not appear to come directly from me and suggesting that I was working with a credit repair company. This is false. I am not represented by any XXXX XXXX. I wrote, signed, and mailed the dispute personally. 
By law, the XXXX period expired on XX/XX/2025. TransUnion failed to provide verification within that period, meaning the disputed information is inaccurate, unverifiable, and must be deleted immediately under FCRA XXXX ( a ) ( XXXX ) ( A ). They have not applied the XXXX disaster code as required by XXXX XXXX standards, nor have they provided the method of verification I requested. 
CRA 's actions violate : FCRA XXXX ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy. 
FCRA XXXX ( a ) ( XXXX ) ( B ) : Failure to complete reinvestigation within the required XXXX days for disaster-area consumers. 
FCRA XXXX ( a ) ( XXXX ) ( A ) : Failure to delete information that can not be verified. 
I request the CFPB require TransUnion, Equifax, and Transunion to : Immediately delete all disputed items that were not verified by XX/XX/2025 Apply the XXXX disaster code to the affected accounts. 
Provide written confirmation of deletions and all changes made to my credit file. 
Attachments to CFPB : Original XX/XX/2025 dispute letter XXXX proof of delivery ( XX/XX/2025 ) Copy of TransUnions stall letter Proof of identity & proof of residence in disaster area I found out that Experian was sued by CFPB as well for not conducting investigations in XXXX of this year. Experian uses faulty intake procedures and does not routinely and uncritically accepts the original furnisher 's response to the disputed information.Case XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: AL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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 disputed several accounts with TransUnion that are inaccurate and not supported by verifiable records. I included documentation and clear explanations in my dispute. Despite this, TransUnion left the accounts unchanged, causing continued harm to my credit standing. This inaction violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires that disputed information be investigated and corrected if inaccurate or unverifiable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I received a call from XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/2025 at XXXX XXXX. He said he is a XXXX XXXX  representative and that I need to get a pen and paper and write down XXXX case numbers because there is some fraud detected on my Zelle account. I told him that I don't use Zelle, he said it didn't matter than it can happen anyway and someone had an XXXX XXXXXXXX and was able to hack my account. He walked me through the set-up of Zelle because he said that I need to cancel the transactions. He told me to put in the amount of XXXX and then on the next line cancel transaction. When that happened the money was gone out of my checking account, I immediately called the fraud department to put in a claim, They told me on Sat XXXX that the case was denied because Zelle claimed that I was a willing participate. The rep that I talk to on XXXX was willing to re-open the case and file a new claim. I called last night and they said it is denied because Zelle never refunds your money for scams, I kept explaining that I was not a willing participate that they were imposters posing a bank representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc.
State: CO

Complaint narrative:
XX/XX/XXXXXXXX  we, moved out of XXXX XXXX, leaving the unit clean. We had paid a {$700.00} security deposit at move-in. 

XX/XX/XXXX Deadline under Colorado Revised Statutes XXXX for the landlord to return the deposit or send an itemized deduction statement. No statement or refund was sent. 

XX/XX/XXXX Landlord prepared a Move-Out Statement charging {$460.00}, already 12 days late under the law. No copy was sent to us at that time. 

XX/XX/XXXX I received the Move-Out Statement for the first time via Innovative Recovery , Inc. , a debt collection agency, despite the landlord having my correct mailing address and phone number the entire time. 

XX/XX/XXXX Innovative Recovery reported the alleged debt to credit bureaus, causing a XXXX drop in my credit score. 

XX/XX/XXXXXXXX  I emailed Innovative Recovery multiple times requesting debt validation under the Fair Debt Collection Practices Act ( FDCPA ), asking for receipts, invoices, and proof of charges. They provided only a typed ledger and did not mark the account as disputed, violating the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: IL

Complaint narrative:
I have had my identity stolen multiple times. The most recent was the XXXX XXXX XXXX data breach. I have requested information from the XXXX accounts, but I have no idea where the XXXX  XXXX came from.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I have had my identity stolen multiple times. The most recent was the XXXX XXXX XXXX data breach. I have requested information from the XXXX accounts, but I have no idea where the XXXX  XXXX came from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I respectfully request the deletion of this erroneous account from my credit report, as I did not authorize or consent to its creation or use. Supporting documents are enclosed for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
a chase credit card was opened fraudulently amount {$8900.00} acct # XXXX a XXXX XXXX was opened fraudulently amount {$3000.00} acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: NY

Complaint narrative:
When I make my complaint, they dont wan na give me any information. I dont see any feedback for the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: NY

Complaint narrative:
When I make my complaint, they dont wan na give me any information. I dont see any feedback for the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: FLORIDA HOME TRUST MORTGAGE

Complaint narrative:
Subject : Formal complaint for payment of service not provided, failure to deliver a debit card, and unjustified account suspension. 
To whom it may concern, I hereby file a formal complaint against Facebank International Corp., with which I maintained a Facebank account from XX/XX/XXXXXXXX  to XX/XX/XXXX. 

The facts motivating my complaint are as follows : Charged for a product not received : Facebank charged my account for issuing a debit card.

Security breach acknowledged by the bank : The first card sent had to be canceled by the bank itself because, according to its notification via telephone, it had been " cloned. '' This evidences a security or logistical breach that is the sole responsibility of Facebank.

Breach of Replacement Promise : After canceling the first card, I received an email from Facebank on [ XXXXXXXX  ] informing me that a new replacement debit card would be sent. 
Non-Delivery of Product : As of today, [ XXXX ], the replacement card has never arrived. Therefore, I have not received the product for which I was charged. As proof of this, the card has never been activated or used. 
Unjustified Suspension of My Account : Despite the fact that the default was on Facebank 's part, the bank proceeded to suspend my bank account without offering a clear justification or a solution to the original problem. When I contacted customer service, they simply cited " internal policies '' without specifying the exact cause, leaving me completely defenseless. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: AL

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am requesting to review the documents I've submitted as well as to REMOVE ALL blocks was made NOT in error, please REMOVE all blocks, please remove all the extended fraud alerts, and freezes from my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: DC

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: IL

Complaint narrative:
I ask for verification of accounts of a bankruptcy reported on my account and they failed to say how they verified the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am officially requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. I have included the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: FL

Complaint narrative:
Im not able to see my report information it keeps saying I have no account but XXXX logged in

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation