vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
XX/XX/scrub>XXXX XXXX  sent to a chase bank via ach because of a scam email, money was recovered, but they won't return it to my bank. Police investigation shows the money was recovered. I have the report but unable to upload at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: GA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX, I AM A VICTIM OF IDENTITY THEFT. SOMEONE ELSE IS USING MY PERSONAL INFORMATION TO FRAUDULENTLY OPEN ACCOUNTS IN MY NAME. I ALREADY SPOKE TO THE BANKS TO WHICH THE FRAUDULENT ACCOUNTS WERE OPENED TO REPORT THE ACCOUNTS AS FRAUDULENT AND OPEN AN INVESTIGATION, BUT IT'S BEEN MORE THAN 2 MONTHS AND I STILL SEE THE FRAUDULENT INFORMATION ON MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: GA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX, I AM A VICTIM OF IDENTITY THEFT. SOMEONE ELSE IS USING MY PERSONAL INFORMATION TO FRAUDULENTLY OPEN ACCOUNTS IN MY NAME. I ALREADY SPOKE TO THE BANKS TO WHICH THE FRAUDULENT ACCOUNTS WERE OPENED TO REPORT THE ACCOUNTS AS FRAUDULENT AND OPEN AN INVESTIGATION, BUT IT'S BEEN MORE THAN 2 MONTHS AND I STILL SEE THE FRAUDULENT INFORMATION 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 2025-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I want to close a never-used XXXX account. 
Account name : XXXX XXXX XXXX XXXX Account handle : XXXX XXXX Associated phone number : XXXX There is no possible way to close the account and XXXX does not accept my chat, email or phone requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: PA

Complaint narrative:
I am requesting the immediate blocking and removal of unauthorized accounts from my credit report. I did not authorize or initiate these accounts and am unfamiliar with their origin. As stated under USC XXXXg, I ask for their removal within the next XXXX days. Enclosed are relevant documents for your review. There are also discrepancies, with different account details reported to each bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XXXX XXXX charge me an over draft fee in which there shouldn't have been my identity was stolen leading to numerous bank accounts that were used for direct deposit ACH for unemployment compensation being put into my account and then taken out. I have been in touch with unemployment fraud department and they stated that nothing shouldn't be on my consumer 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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXXXXXX XXXX  charge me an over draft fee in which there shouldn't have been my identity was stolen leading to numerous bank accounts that were used for direct deposit ACH for unemployment compensation being put into my account and then taken out. I have been in touch with unemployment fraud department and they stated that nothing shouldn't be on my consumer 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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: NC

Complaint narrative:
XXXXHave two insurance claims on my report that are being reported incorrectly. XXXX XXXX- shows as At-Fault. Was not at fault, called USAA to verify. USAA rep said to reach out to Lexusnexis to resolve. XXXX- year of XXXX- shows as at-Fault when I was not at fault. Car-wash damaged truck.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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:
My name is XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, XXXX XXXX, ILLINOIS. Date XX/XX/XXXX. Based on this credit report, Please generate XXXX professional dispute letter addressed to a credit bureau ( XXXX  XXXX XXXX, XXXX, Experian ). I have inaccurate information on my credit report. So I should have one address on file. Email and mail are not the same. They must be able to prove that the information delivered to the consumer 21 days before the payment due date. Its not what you know. Its what you can prove. They cant prove the due date to the consumer information to XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX, XXXX  XXXX XXXX XXXX, XXXX, GA XXXX and Experian XXXX XXXX XXXX, XXXX, TX XXXX to make it a late payment thats illegal and utilization.15 USC 1681e ( b ) consumer law, 15 USC 1681s-2 fair credit report. 15 USC 1681i ( 5 ) ,15 USC 6801 and 15 USC 6802

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 2025-05-06 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:
My name is XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, XXXX XXXX, ILLINOIS. Date XX/XX/XXXX. Based on this credit report, Please generate XXXX professional dispute letter addressed to a credit bureau ( XXXX  XXXX XXXX, Equifax, XXXX  ). I have inaccurate information on my credit report. So I should have XXXX address on file. Email and mail are not the same. They must be able to prove that the information delivered to the consumer 21 days before the payment due date. Its not what you know. Its what you can prove. They cant prove the due date to the consumer information to XXXX  XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, PA XXXX, Equifax XXXX XXXX XXXX, XXXX, GA XXXX and XXXX  XXXX XXXX XXXX, XXXX, TX XXXX to make it a late payment thats illegal and utilization.15 USC 1681e ( b ) consumer law, 15 USC 1681s-2 fair credit report. 15 USC 1681i ( 5 ) ,15 USC 6801 and 15 USC 6802

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
Promissory notes were received on XX/XX/year> and the docusign signature is clearly NOT mine. Its a forged signature. I dont put lines through my XXXX in my last name and I dont sign in print. This is not my signature on a promissory note. Its fraud. First the XXXX XXXX XXXX sent me my XXXX  promissory notes. In a complaint place through here previously they ended up admitting it NOW I get a forged promissory note. I demand this loan be dismissed. Its ruining my credit!

Company response to consumer: Untimely response
Consumer complaint received 2025-05-06 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: CredHub, Inc
State: CT

Complaint narrative:
This complaint is about CredHub Inc. who is in violation of the FCRA by continuing to report inaccurate, and incomplete information on account : XXXX  to include payment history, status, last payment date, and Account Number. I have disputed this account 2 previous times XXXX XXXX XXXX XXXX, and each time CredHub Inc. " verified the account as accurate '' to the consumer reporting agencies, choosing to make minor updates that still left this account blatantly inaccurate with no statement that this account was under dispute. Due to CredHub Inc 's negligence in affording me fair and complete investigations, I have suffered immense damage to my credit reputation and have experienced severe emotional distress after receiving several apartment denials, due to CredHub Inc. 's decision to continue to report inaccurate and incomplete account information after it has been disputed in good faith twice. Please see attached letter sent Certified Mail to CredHub Inc. addressing this matter, delivered and signed for on XX/XX/year>, along with supportive documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: FL

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 non-monetary relief
Consumer complaint received 2025-05-06 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: MI

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-06 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:
Subject : Demand for Deletion of Non-Compliant Account ( Metro 2 Violations ) * * * * Account Name : * * XXXX XXXX XXXX XXXX * * Account # : * * [ XXXX * * ( as listed ) ] I am writing to formally dispute the * * XXXX XXXX XXXX XXXX * * account referenced above. This account fails to comply with * * Metro 2 Format * * requirements under the Consumer Data Industry Association ( CDIA ) guidelines and violates the Fair Credit Reporting Act ( FCRA ). I demand its * * immediate deletion * * from my credit file for the following reasons : -- - # # # * * Metro 2 Compliance Violations * * 1. * * Incomplete Reporting ( Missing Data ) * * - * * Issue : * * TransUnion and Equifax fields ( Account #, Balance, Status ) are * * blank * *, violating Metro 2s requirement for complete and consistent data across all bureaus.

- * * FCRA Basis : * * 611 ( a ) ( 1 ) ( A ) Information must be verified as accurate and complete.

2. * * Non-Standard Status Codes * * - * * Issue : * * Experian uses vague terms like " Derogatory '' instead of Metro 2 codes ( e.g., " Chargeoff '' or " Collection '' ).

- * * Metro 2 Rule : * * Status codes must follow standardized definitions ( e.g., " CO '' for Chargeoff ). 

3. * * Invalid " Last Reported '' Date * * - * * Issue : * * The date * * XX/XX/year> * * is in the future, making the entry inherently unverifiable. 
- * * FCRA Basis : * * 607 ( b ) Information must be complete and up to date.

4. * * Unverifiable Payment History * * - * * Issue : * * No 24-month payment history is provided, violating Metro 2s requirement for a full payment timeline.

- * * Metro 2 Rule : * * Payment history must include 24 months ( use " ND '' for missing data ). 

5. * * Promotional Content in Comments * * - * * Issue : * * The comment field includes a URL ( " identityiq.com '' ), which violates Metro 2s prohibition on non-essential text.

6. * * Mismatched Balances * * - * * Issue : * * A Past Due amount of {$1500.00} conflicts with the " Chargeoff '' status ( should be {$0.00} if closed ).

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 2025-05-06 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: TX

Complaint narrative:
Subject : Demand for Deletion of Non-Compliant Account ( Metro 2 Violations ) * * * * Account Name : * * XXXX XXXX XXXX XXXX * * Account # : * * [ XXXX * * ( as listed ) ] I am writing to formally dispute the * * XXXX XXXX XXXX XXXX * * account referenced above. This account fails to comply with * * Metro 2 Format * * requirements under the Consumer Data Industry Association ( CDIA ) guidelines and violates the Fair Credit Reporting Act ( FCRA ). I demand its * * immediate deletion * * from my credit file for the following reasons : -- - # # # * * Metro 2 Compliance Violations * * 1. * * Incomplete Reporting ( Missing Data ) * * - * * Issue : * * TransUnion and Equifax fields ( Account #, Balance, Status ) are * * blank * *, violating Metro 2s requirement for complete and consistent data across all bureaus.

- * * FCRA Basis : * * 611 ( a ) ( 1 ) ( A ) Information must be verified as accurate and complete.

2. * * Non-Standard Status Codes * * - * * Issue : * * Experian uses vague terms like " Derogatory '' instead of Metro 2 codes ( e.g., " Chargeoff '' or " Collection '' ).

- * * Metro 2 Rule : * * Status codes must follow standardized definitions ( e.g., " CO '' for Chargeoff ). 

3. * * Invalid " Last Reported '' Date * * - * * Issue : * * The date * * XX/XX/year> * * is in the future, making the entry inherently unverifiable. 
- * * FCRA Basis : * * 607 ( b ) Information must be complete and up to date.

4. * * Unverifiable Payment History * * - * * Issue : * * No 24-month payment history is provided, violating Metro 2s requirement for a full payment timeline.

- * * Metro 2 Rule : * * Payment history must include 24 months ( use " ND '' for missing data ). 

5. * * Promotional Content in Comments * * - * * Issue : * * The comment field includes a URL ( " identityiq.com '' ), which violates Metro 2s prohibition on non-essential text.

6. * * Mismatched Balances * * - * * Issue : * * A Past Due amount of {$1500.00} conflicts with the " Chargeoff '' status ( should be {$0.00} if closed ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

Please see the attached disputes sent over the last few months.

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