vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase Bank My husband recently passed away. Chase Bank recently sent my husband 's soc sec funds for the prior month back, without my authorization. It had been deposited in our joint account four days after my husband died. My husband 's will has been probated by the surrogate courts and I am executrix. He left everything to me. The bank says to just call soc security and they will give me the money back. Not so. Social Security requires many documents. Some I have to pay for in order to obtain. I feel the bank should not have taken funds without getting authorization. The funds had been correctly deposited. I feel the Chase Bank should take the necessary steps to get the funds redeposited in our account.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have repeatedly disputed with Equifax to please update this account status. This account was included in bankruptcy that was discharged on XXXX2024. The account status should be included in bankruptcy. I have repeatedly requested the update of this account status. 

Creditor : XXXX - XXXX Account # XXXX

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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: FL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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: LA

Complaint narrative:
To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 
By obtaining my consumer report knowingly without any permissible purpose you are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to XXXX years of imprisonment, in addition to civil liability. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

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

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shepherd Outsourcing, LLC
State: VA

Complaint narrative:
On XX/XX/year> at XXXX I was contacted by XXXX XXXX XXXX XXXX XXXX. I was informed I had an outstanding debt with a XXXX credit card of {$3000.00}. ( I do not have a XXXX card. ) I was immediately prompted for my bank account number and routing number to pay it off. They had my name, but they had the wrong address and email for me. I insisted that I wanted to pay by check, so they gave me the address XXXX XXXX XXXX, XXXX, SC XXXX to send the check, as well as the account reference number XXXX. They gave their phone number as XXXX.

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: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I booked a trip to XXXX, XXXX, and second week of XX/XX/year> and round-trip airfare tickets. The airline tickets were refunded by XXXX XXXX however XXXX I booked a week stay at a hotel they are third-party vendor. I also purchased their online insurance in the end found out they are very fraudulent as I had to cancel my trip. I was going to get married, but that did not happen. They had 10 days to refund my money The airline refunded my money immediately XXXX however gave me a bunch of bylaws and small print showing that my reason for cancellation was not valid and therefore would not refund my money and if I cancel or forfeit my reservation, they will still keep my money. Their online insurance does not disclose what is covered, but they do in the beginning. Say it is recommended to protect your interest of refund finding out that their interest is there is no interest that no matter what you do is a consumer you will not get your money. They are very well documented out of the state of California New York for fraud and overcharging and adding on excessive fees And it seems that no one has stop this company. I have Citibank through XXXX. Airlines turned in my dispute as I never did use this transaction asked for a refund of {$1300.00}. They dispute it three times. The vendor has denied to refund the money without probable cause a reason I also try through the vendor myself. They have all the evidence of what happened and all my cancellation flights, etc. so does Citibank Citibank said that theres nothing more that they can do its my problem now that I have to deal with the vendor. Ive already dealt with the vendor now multiple times And they give me the same response. Ive reported them to XXXX XXXX XXXX XXXX. Ive also now Im complaining to you regarding the same situation with Citibankand XXXX  Ive also complained to the Texas Attorney Generals office and my last action would be small claims court, which will be difficult because theyre out of state. I would love to be refunded my money as Citibank basically did not support me at all immediately decided with the vendor and said theres nothing more they can do when they did not do anything at all. Im very upset and do not want to pay for something I never used

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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: MOHELA
State: GA

Complaint narrative:
Mohela took over XXXX 's student loan program. I have been paying student loans for XXXX yrs, and have made payments faithfully, with a few missed payments through the years. Since Mohela took over a few months back, the calls have been incessant. They use local area codes to make the calls to make me think they are local, and when I try to call back using those numbers it says the number is not in use. I have emailed them to ask them to stop harassing me, as I make my required payment every month... They keep adding fees and I guess they are trying to collect these " overdue '' amounts, which are well under {$100.00}.

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: EQUIFAX, INC.
State: IL

Complaint narrative:
Please dispute the following accounts that have been opened or used in my name as a result of a recent data breach. I was recently notified that my personal information may have been compromised, and I have reason to believe that this has led to unauthorized activity on my credit report and/or new accounts being opened without my consent. I did not authorize the opening or use of this account and was not aware of its existence until reviewing my credit report ( or receiving a collection notice. This activity is the result of identity theft stemming from a data breach.

Please investigate this matter and respond to me in writing at your earliest convenience. I expect a response within 30 days, as outlined by the Fair Credit Reporting Act ( FCRA ) and applicable state laws.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

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: EQUIFAX, INC.
State: IL

Complaint narrative:
Please assist me in opening an investigation into these accounts, which appear to be reporting erroneous information on my credit report. Under USC 1681g, I am officially requesting their removal within XXXX XXXX I have provided the appropriate documents for your thorough review. It is also important to note that the reported account data varies and is inaccurate across all major credit bureaus.

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: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have been trying to get in touch with experian credit agency for XXXX months. I've called, tried to go online and still no resolve. They will not allow me to speak to a customer service representative. I have also sent a letter to them with a copy of my picture ID and a copy of my electric bill to prove my identity.I 've asked them to lift the credit freeze and update my personal information so I could go online but they have not responded. I mailed the letter a month ago and still no response. They are holding up my progress. When I try to access my account online it's saying I can not be verified. Experian credit agency is making it difficult for me to improve my credit and achieve certain goals that I have. Please help me. They are holding my credit information XXXX and that's illegal.

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: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I disputed this charge-off account as inaccurate. Multiple changes have been made which confirms companies dont have correct or accurate information. Ive requested for first premier bank account to be deleted. If it can not be validated, I request it be removed from my credit report under my rights per 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I recently obtained a copy of my credit report for the first time in several years and was alarmed to find several derogatory accounts listed that I do not recognize. These entries appear to be inaccurate and possibly the result of outdated or incorrect information.

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am formally disputing the accuracy and completeness of these negative accounts. I am requesting that you reinvestigate all derogatory tradelines and verify their accuracy with the original furnishers. Any account that can not be properly verified must be promptly deleted from my consumer file.

Please mail me the results of your reinvestigation, along with a revised copy of my credit report reflecting any corrections, within the time allowed by law.

ATTACHED IS MY ID AND PROOF OF ADDRESS.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This student loan is over XXXX XXXX XXXX and was NEVER on my credit. My parents swore they paid off ALL my student loans. Them nor I have even been notified that {$470.00} was somehow missed. And now has {$900.00} in interest fees tagged onto it. Not XXXX call or letter in the last 30 years. Now, my perfect credit has dropped over XXXX points for this! How does credit drop over XXXX points for only {$1300.00}. I can go put that much in my credit card and that doesnt happen. My credit is now ruined and the Department of Education does not answer their phone to try to figure this out. I have called every single day since XXXX, XXXX and sometimes just being on hold for over an hour. They do NOT ANSWER! How am I suppose to get to fix this issue? And they have yet to still send any kind of letter to inform me that they put this on my credit or that I eve owe this. Im not going to just pay for something that Im unsure is owed. This is unfair reporting, unfair hit to my credit. This is an excessive drop in credit over {$1300.00}. And if I truly owe it I will pay it. But I cant get in contact with a human to work this issue out. Beyond upsetting! Plus I think its only fair that I pay the {$470.00}. 

Its reported that it was in repayment starting XX/XX/XXXX, but again I was never notified. Its also says that it was in default XX/XX/XXXX, again still have not been notified. I only know because I was notified by XXXX XXXX in XX/XX/XXXX when my credit dropped over XXXX points over night and I still have yet to be notified.

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 status incorrect
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
This student loan is over 30 years old and was NEVER on my credit. My parents swore they paid off ALL my student loans. Them nor I have even been notified that {$470.00} was somehow missed. And now has {$900.00} in interest fees tagged onto it. Not one call or letter in the last 30 years. Now, my perfect credit has dropped over XXXX points for this! How does credit drop over XXXX points for only {$1300.00}. I can go put that much in my credit card and that doesnt happen. My credit is now ruined and the Department of Education does not answer their phone to try to figure this out. I have called every single day since XXXX, XXXX and sometimes just being on hold for over an hour. They do NOT ANSWER! How am I suppose to get to fix this issue? And they have yet to still send any kind of letter to inform me that they put this on my credit or that I eve owe this. Im not going to just pay for something that Im unsure is owed. This is unfair reporting, unfair hit to my credit. This is an excessive drop in credit over {$1300.00}. And if I truly owe it I will pay it. But I cant get in contact with a human to work this issue out. Beyond upsetting! Plus I think its only fair that I pay the {$470.00}. 

Its reported that it was in repayment starting XX/XX/XXXX, but again I was never notified. Its also says that it was in default XX/XX/XXXX, again still have not been notified. I only know because I was notified by XXXX XXXX in XX/XX/XXXX when my credit dropped over XXXX points over night and I still have yet to be notified.

Company response to consumer: Untimely response