vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$110.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$950.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$140.00}. 
Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

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 2025-06-06 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: SC

Complaint narrative:
I have no connection to the mentioned creditors and did not initiate this inquiry. I request its prompt removal from 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 2025-06-06 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: NV

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance Owed : {$240.00} XXXX  XXXX Balance Owed : {$300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: CT

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: OR

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really upset about the mistakes I saw on my credit report. These errors are causing me a lot of XXXX  and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed and deleted all of the above that are not reported with maximum accuracy by law.

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 2025-06-06 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Hi my name is XXXX XXXX XX/XX/year>. I had got my credit checked the other day & saw I have a inquiry regarding a XXXX XXXX credit card. I tried to resolve this a while ago & thought it was fixed. It is still on my credit report. I have no acknowledgement of this account being open & would like it taken off my credit reports. I called & spoke to a representative who said i will be receiving documents in the mail to fill out regarding the account being open fraudulently but i never received them. Again, it does not belong to me nor did i have any knowledge or give authorization of somebody opening it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
For some reason this company contacted me telling me that I have this Debt from a credit card that I was never aware of, when I was living in the other house I Lost my wallet and after that I found out a lot of account were opened under my name and I didnt know what to do about but notify I didnt open none of them, they started taking legal action sending citation to the old house that I used to leave, I found out way to late and I missed the citation, I called and explained that account is not mine and it was open fraudulently. I disputed it so many times and they still on my credit report Im not even able to buy my house because of these collections I need help and orientation about what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: OR

Complaint narrative:
I need you to look into the mistakes on my credit report immediately. These inaccuracies have been XXXX  me out and its affecting everything. It is disheartening to know that my rights as a consumer is being violated. I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. Make sure all this information is 100 % correct. I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-06-06 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:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents 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 2025-06-06 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: NV

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance Owed : {$240.00} XXXX  XXXX Balance Owed : {$300.00}

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 non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/year>, I contacted Chase Bank regarding my Freedom Flex card, specifically to inquire about any available programs to lower my interest rate. During this call, the Chase representative informed me that I was not eligible for such a program because my card already had a 0 % APR. I have a recording of this conversation. 

Despite being told that my card had a 0 % APR, I was charged interest on my subsequent statement. In response, I sent a formal letter to Chase requesting either enrollment in a lower-interest program or a refund of the interest charged, as the representative had stated I was under a 0 % APR. 

Chase replied stating that while they provided feedback to the agent, the interest charge was valid. This is in contradiction to their own terms and conditions, which state that phone agents are authorized to represent the bank and provide accurate information to customers. Therefore, the bank should honor the representations made by their agents. 

I sent a follow-up letter mentioning the possibility of legal action if the issue remained unresolved. 

In response, Chase sent another letter with a phone number to call. However, the phone number provided was non-functional, making it difficult to resolve the matter. 

Eventually, I was able to successfully enroll in the 0 % APR program after continued follow-up. However, I was charged interest prior to my enrollmentcharges which I believe should be refunded, as I was initially told that my card already carried a 0 % APR at the time of my first inquiry. 

Resolution Requested I am seeking the following : A full refund of the interest charges applied prior to my enrollment in the 0 % APR program.

Assurance that Chase will honor its terms and conditions and the representations made by its agents. 
Clear and functional communication channels to resolve any future issues without unnecessary delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: LA

Complaint narrative:
I am filling to formally dispute the accuracy and completeness of several items reported on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), particularly 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] and 611 [ 15 U.S.C. 1681i ], I request a thorough reinvestigation of the following accounts and entries, as they may be inaccurate, incomplete, or unverified XXXX XXXX  XXXX XXXX BALANCED {$320000.00}

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 2025-06-06 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: TX

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is XXXX  me out and making me XXXX. Hope you can address this soon, please.

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 2025-06-06 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: TX

Complaint narrative:
I am writing to address fraudulent items that have appeared on my credit report. I appreciate that some of these items have been successfully removed, particularly those identified by Experian Credit Bureau. However, I have noticed that certain fraudulent items remain on my report with both Experian. I kindly request your assistance in promptly removing the remaining fraudulent items listed below from my credit report : U S DEPT OF EDXXXX XXXX Balance {$2600.00} U S DEPT OF EDXXXX XXXX Balance {$4000.00} U S DEPT OF ED/XXXX XXXXXXXX Balance {$5300.00} U S DEPT OF EDXXXX XXXX Balance {$6500.00} U S DEPT OF EDXXXX XXXX Balance {$4000.00} U S DEPT OF ED/XXXX XXXXXXXX Balance {$6600.00} U S DEPT OF EDXXXX XXXX Balance {$1700.00} U S DEPT OF EDXXXX XXXX Balance {$2600.00} U S DEPT OF ED/XXXX XXXXXXXX Balance {$8800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: OH

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really upset about the mistakes I saw on my credit report. These errors are causing me a lot of XXXX  and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed and deleted all of the above that are not reported with maximum accuracy by law.

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 2025-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
XXXX XXXX2025 was my wedding day. While at the hotel getting ready, taking pictures in the lobby. I forgot my phone at the bar. With all the commotion going on i didnt realize i didnt have my phone until i got to the limo about to head to the church. So the bridal party was assisting me find my phone. After 30 mins of looking the reception desk called my wife to advise her that they have my phone. I grabbed my phone not thinking of anything. At the wedding reception a few people sent me XXXX transactions. It was then i noticed that a random {$300.00} was XXXX  out of my account to a random person. I called pnc to initiate a fraud dispute and was denied the claim twice. I should feel protected with the institution that is holding my funds. However pnc has not been willing to properly investigate who or where my money went

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-06-06 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: GA

Complaint narrative:
I am submitting this complaint because a consumer reporting agency has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ). After disputing inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a clear explanation of the reinvestigation process. Specifically, I asked for details regarding the steps taken to verify the disputed information, the name, address, and telephone number of the data furnisher, and any documentation used to justify the continued reporting of the item.

To date, the agency has not provided any of the requested information. This lack of disclosure violates the FCRAs requirements for transparency and accountability and raises serious concerns about the accuracy and integrity of the reinvestigation process. The agencys failure to comply may constitute willful or negligent violations under 15 U.S.C. 1681n and 1681o and may subject it to civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have been in XXXX  for a few years now, I'm currently in a XXXX XXXX in ga, I tried to call the bank and withdrawal my funds so I can get back on my feet and they will not give me my money, I can't leave the XXXX XXXX  to go to a branch and give them identification but I shouldn't have to, it's my money and I have been banking with them for 13 years roughly or more and have had trouble from them every step of the way. They have caused me so much hard ship over my own money it's almost a XXXX XXXX and I just want to withdrawal my money and close my accounts. I hate them .I want my money. It's mine and they are stopping me from taking care of my self properly when I could've used my money to get on my feet. I don't know what problem they think they have but how are they able to stop me from getting my own money when I have so many forms of Identification and documents proving who I am. I want my money transferred to my XXXX XXXX and Im definitely going to pursue sueing them in everyway I can even if i got to get out and pay more money just to prove a point.ive went through XXXX contacting people and places for years and this is crazy. I just want my money. I want to close my account and I want a full investigation done on my account history because they let my account get breached years ago and it causes so many transactions that some source caused and caused all kinds of problems then I tried to repeatedly get them to close my account and they didn't. So now years later my money is tied up in my account and they won't give it to me I want my money please. This is and has been completely wrong and insane to be a bank that I ve been loyal to all these years. This is causing me financial struggling and if I had my money I wouldn't be struggling so bad. I just want them to transfer it to my XXXX XXXX please. That's all I want and to close it out forever. They XXXX. And everyone all over the place gave had so many issues with welld Fargo being dirty crooked and down right disrespectful and thieves. I want action taken against Wells Fargo .and they are probably just going to have to pay out way way way more just for all the trouble they have given me and still are about something that's mine. I don't know what else to do but contact y'all now.thank u please help

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 2025-06-06 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I am requesting the immediate freezing of my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: OH

Complaint narrative:
I need you to look into the mistakes on my credit report immediately. These inaccuracies have been XXXX  me out and its affecting everything. It is disheartening to know that my rights as a consumer is being violated. I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. Make sure all this information is 100 % correct. I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with non-monetary relief