vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 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:
I sent Experian, Equifax, and TransUnion letters questioning their own reporting standards and I have yet to receive a response. 30 days has passed and yet no activity or deletions has taken place. Experian claim that they are not moving forward with a reinvestigation which is negligence and violation of FCRA and my right to equal protection of the laws. Equifax sent no response at all and Transunion were notifying me of investigation status, but still no response. 
They have all been fined and sued for these same acts and I have a right to 100 % fair and accurate reporting and my right is being willfully violated I've attached the letters that were sent below.

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 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-03-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I got an alert offer from XXXX XXXX stating that I had an outstanding approval to apply for a loan to consolidate my credit cards with a delivery date of XXXX hours into my bank account. They advertise that their affiliates base their chances of probability based on what they see in a clients credit file. My pre approval was {$22000.00} based on what was being reported. I proceeded to move forward with linking my bank account as instructed. 

When going through the verifying process, Once main financial said they could only approve me for {$1500.00} because of what I owe on my and deferred students ( which already shows in my credit file. I asked them why since lenders do not use deferred student loans in XXXX when being considers for car loans and personal loans because there is no payment to factor unlike with mortgages where it is mandated with the underwriting through fannie mae and XXXX XXXX. They also said that my bank account only showed a certain amount of deposits, in which the application didn't ask if I had business bank accounts or other personal account in which I do. 

it was not disclosed as to what verifying documents they would need to approve the loan, blind-siding me with all these reasons to turn me down for the advertised rate and preapproval. The advertising made it seem that they use your credit reporting for a quick approval. $ XXXX to $ XXXX is a huge drop. 

I asked for the inquiry to be removed since they didn't extend the offer that I was notified that I had outstanding chances for. They said they were not in the wrong and to dispute with the credit bureau in which we all know the credit bureaus will not because consent was given. 

XXXX companies send misleading advertisements trying to get people to apply causing dings to their credit, there should be a remedy for this since the government insists on using these agencies to report on credit worthiness with unrealistic math formulas that do not take into considerations real-time living situations. It suppresses the average consumer 's ability to bounce back from financial tragedies or interruption of income for circumstances out of their control. But this debt and financial system centers around it. 

I just want to know XXXX if One main financial has the right to consider deferred student loans, because i didn't see it in their underwriting, XXXX are both agencies liable for the false advertising- XXXX XXXX and One main financial? XXXX I know credit pulls can be removed because a credit union removed it when I threatened to report them for running my social without my permission when only inquiring about their services. The XXXX XXXX at XXXX XXXX refused to look into it by calling the corporate decision makers. She wasn't even sure how to do it, and as such dismissed my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: LA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report a fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of an accounts opened at XXXX XXXX XXXX {$400.00} # XXXX opened at XXXX, XXXX. System {$2300.00} # XXXX XXXX, XXXX XXXX XXXX {$400.00} XXXX opened XXXX XXXX XXXX XXXX {$530.00} # XXXX opened XXXX, Acceptance Now {$2200.00} # XXXX opened XXXX .These accounts have resulted in a fraudulent accounts appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. CFPB Complaint against XXXX XXXX XXXX TransUnion What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Social Security XXXX : XXXX Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, account have resulted in a account appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), that the Transunion credit reporting agency XXXX XXXX of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address 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 2025-03-17 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:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2025-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In summary, Chase ( via Chase XXXX XXXX XXXX credit card ) has withheld {$60000.00} ( as part of an overpayment ) from me for over XXXX month. 

I submitted a payment from my bank, XXXX XXXX, of {$60000.00} on XX/XX/year>. On XX/XX/XXXX, I called Chase to confirm if they received the payment. Chase said they did not and recommended I cancel the payment and resubmit over the phone, which I did, to avoid interest and a late fee. They also cut off my line of credit for XXXX business days, which was very confusing as to why. 
On XX/XX/XXXX, I noticed both {$60000.00} payments went through. I called Chase and asked for the first {$60000.00} payments to be returned. They said would be XXXX business days. 
On XX/XX/XXXX, I called Chase again as I had not received the {$60000.00}. A supervisor from Chase XXXX department told me Chase put in the wrong code for the overpayment and did not submit for repayment. Chase informed me I would now receive the {$60000.00} XXXX business days from XX/XX/XXXX. 
On XX/XX/XXXX, I again called Chase to ask why I had not received the {$60000.00} yet. A supervisor told me I should receive the money no later that XX/XX/year>. 
On XX/XX/XXXX, I again called Chase after not seeing the money returned to my account. A supervisor then told me the money would take XXXX business days. I asked to escalate as this issue was putting me in a financial hardship and preventing me from paying bills. I was told there is no other escalation process other than to write a letter and that I would not be compensated for Chases errors. I was then hung up on by the supervisor. 
On XX/XX/XXXX, I again called Chase to ask why I was lied to and misled about various dates. I asked for any alternatives, such as going to a Chase branch, wire payment, etc, but was told there were not other options but to wait XXXX business days. I asked for compensation as I believe I should be entitled to after being lied to and having {$60000.00} withheld from me for over XXXX month. I was told the only option I had was to write a letter to Chase. I have asked Chase to file formal complaints but have not heard back. 
I am asking for help as this is putting me in a difficult financial situation that XXXX have lasting repercussions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
After reviewing my credit report I noticed some inaccurate accounts on my credit report. I am requesting that you investigate the following accounts to ensure accuracy. 
Please investigate the following accounts : Negative Accounts Account Name : XXXX Account Number : XXXX Date Open : XX/XX/XXXX Account Balance : {$0.00} Account Name : XXXX Account Number : XXXX Date Open : XX/XX/XXXX Account Balance : {$0.00} Account Name : XXXX Account Number : XXXX Date Open : XX/XX/XXXX Account Balance : {$0.00} INACCURATE ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
After reviewing my credit report I noticed some inaccurate accounts on my credit report. I am requesting that you investigate the following accounts to ensure accuracy. 
Please investigate the following accounts : Negative Accounts Account Name : XXXX Account Number : XXXX Date Open : XX/XX/XXXX Account Balance : {$0.00} Account Name : XXXX Account Number : XXXX Date Open : XX/XX/XXXX Account Balance : {$0.00} Account Name : XXXX Account Number : XXXX Date Open : XX/XX/XXXX Account Balance : {$0.00} INACCURATE ADDRESSES 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 2025-03-17 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: GA

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

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 2025-03-17 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-17 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Unexplained XXXX Drop in Credit Score I am writing to formally dispute a significant and unexplained XXXX drop in my credit score as reported by Equifax. This drop occurred without any changes to my credit usage, payment history, or other factors that typically influence credit scores. When I contacted your customer service department on XX/XX/2025, I was informed that there was nothing Equifax could do to address this issue. This response is unacceptable and fails to comply with federal laws governing credit reporting agencies.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., credit reporting agencies like Equifax are required to : Ensure the accuracy and fairness of credit reporting ( 15 U.S.C. 1681e ( b ) ).

Conduct a reasonable investigation into any disputed information upon receiving a consumer complaint ( 15 U.S.C. 1681i ( a ) ).

Correct or delete inaccurate, incomplete, or unverifiable information within 30 days of receiving a dispute ( 15 U.S.C. 1681i ( a ) ( 5 ) ).

The unexplained drop in my credit score suggests that there may be inaccuracies or errors in my credit report. Despite my efforts to resolve this matter, Equifax has failed to provide a satisfactory explanation or take corrective action. This lack of response violates my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There a is a few items I do not recognize on my report I have fully investigated my rights in this matter. Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit 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 2025-03-17 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: NY

Complaint narrative:
To whom it may concern : According to the FCRA, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I authorize you to take steps to correct my credit and send me physical proof of your actions. The following claims areunverified and require further investigation. Please report any verified claims immediately. Please certify that all claims that have been verified as accurate, complete, and timely reported have been reported in compliance with regulations or remove 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 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I am officially filing a complaint against Ally Bank for their failure to assist me in an investigation related to ACH fraud of {$32000.00}. 

On XX/XX/year>, I made a payment of {$32000.00} via ACH to a business called XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This company commited fraud and disappeared. After speaking with Ally Bank, they provided me with information showing that the funds were received by a company called XXXX XXXX XXXX ( Company ID : XXXX XXXX XXXX ), which is a completely different company than the one I thought was receiving the funds. 

This seems to be fraudulent misrepresentation and I requested Ally Bank 's assistance to open up a fraud investigation. They refused to do so citing that it is beyond 60 days. Instead, I asked them to use the XXXX network to provide me with the name of the receiving bank for my {$32000.00}. Even though they have given me the ACH trace number, the receiving company 's name, and the company 's ID, they have refused to provide me with the name of the receiving bank. 

This refusal is hindering my ability to potentially recover my funds and properly report this case of fraud.

I am officially requesting that Ally Bank provide me the name of the receiving bank so I can properly report and escalate this case. Their refusal to do this up to this point it egregious and they should be obligated to assist me on this one request for my fraud investigation. 

I would like for the CFPB to look into this matter and demand that Ally Bank give me the details of the receiving bank of my {$32000.00}.

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