vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report currently includes an account that was not opened by me. I have no relationship with the reporting party, and I am confident that this account was fraudulently created without my consent. This item is incorrect and has already caused unnecessary distress and credit damage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have made many repeated attempts over the past XXXX months to close my Capital one Business Checking account that I opened last XXXX. I have since been unable to use it and tried over and over to close it. I have called countless dozens of times, asked over and over and over again for help, with no success. 

This has gone on for far too long. On XX/XX/XXXX, I spent over XXXX hours on the phone and was sent to and hung up on by XXXX different reps. This is unacceptable and am now filing this formal complaint after trying for XXXX months to get this account to work and then try to close when it never did. I begged the agents to please close this account, over and over and over again. 

Due to IT glitches on your end, I am rarely able to get into this account. I read off the codes I am sent and told they are wrong even though I am reading back what was sent to me. The issues are on the Capital One side. 

I have never been able to utilize this account. Logging in is nearly impossible, I have been able ONCE in XXXX months to get a deposit to work, and yet been charged continual maintenance fees. 

I request IMMEDIATE action to : Close the account Send me written confirmation of closure

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
The company Jefferson Capital LLC is reporting on my credit report as a collection as of XX/XX/year>. They are claiming I owe {$51.00}. I have never done business with them, nor have I done business with any of their claimed clients. I have requested 3 three times that this company show me a contract between myself and them to prove I have done business with them. They have failed to do so, and yet they continue to report on my credit report a false collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: TX

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/year> I logged into my Chase banking app on my cell phone. I immediately notice pending transactions. XXXX was an ATM savings transfer for {$4600.00} into my checking from Ohio. Then XXXX Charges to XXXXXXXX XXXX XXXX XXXX  in XXXX different locations in MO for {$390.00} each. I immediately called Chase fraud line to report this also XXXX charge for {$5.00} For clipper systems mobile. The {$5.00} charge was quickly approved. The chase employee told me these were done with XXXX XXXX. I have never had XXXX phone nor was XXXX ever attached to account. They tell me no new device was added. How is that possible if there was no XXXX device attached to my account? They deposit into my account was from my daughter 's savings account so they denied it as it was from XXXX account to another. However we still did not do that either. The XXXX 's transactions claim has also been denied b the 3 times. I can prove I was not in these places I don't have any XXXX pay and I did not authorize any use of my card. The customer service is XXXX. They will not give me any details about the device or where this money went. As a federally insured bank I should be protected from this type of fraud. I have filed a police report as well but the sheriff 's office needs details that chase will not provide. This same thing happened on another account of mine with a different card 2 days later and those transactions of XXXX charges of {$75.00} each were refunded without issue the same day we reported them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
XXXX ( XXXX ) XXXX This phone number that claims to be a law office, contacted me last week about a Care credit I do owe from synchrony bank. When I spoke to them last week on XX/XX/XXXX I told them I would contact them in a week to set up a payment plan. They sent someone to my parents address yesterday to give me a court summons. This person disclosed the entire amount of my debt to my family and the name of the bank. I tried to contact them about this and they are not returning my phone calls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: AZ

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: NY

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: CA

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: FL

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) - Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) - Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report immediately : Negative Accounts : XXXX. XXXX XXXX  Account Type : Auto Loan Date Opened : XX/XX/XXXX Balance : {$15000.00} Past Due : {$15000.00} Status : Charged off Last Updated : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Balance : {$6600.00} Past Due : {$6600.00} Credit Limit : {$6500.00} Status : Charged off Last Updated : XX/XX/XXXX XXXX. XXXX XXXX  XXXX / XXXX  Account Type : Credit Card Date Opened : XX/XX/XXXX Balance : {$560.00} Past Due : {$560.00} XXXX XXXX : {$300.00} Status : Charged off Last Updated : XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Balance : {$17000.00} Past Due : {$17000.00} Status : Charged off Last Updated : XX/XX/XXXX XXXX. XXXX  XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account Type : Collection Balance : {$4800.00} Past Due : {$4800.00} Date Opened : XX/XX/XXXX Status : Active collection Last Updated : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: FL

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) - Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) - Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report immediately : Negative Accounts : XXXX. XXXX XXXX  Account Type : Auto Loan Date Opened : XX/XX/XXXX Balance : {$15000.00} Past Due : {$15000.00} Status : Charged off Last Updated : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Balance : {$6600.00} Past Due : {$6600.00} Credit Limit : {$6500.00} Status : Charged off Last Updated : XX/XX/XXXX XXXX. XXXX XXXX  XXXX / XXXX  Account Type : Credit Card Date Opened : XX/XX/XXXX Balance : {$560.00} Past Due : {$560.00} XXXX XXXX : {$300.00} Status : Charged off Last Updated : XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Balance : {$17000.00} Past Due : {$17000.00} Status : Charged off Last Updated : XX/XX/XXXX XXXX. XXXX  XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account Type : Collection Balance : {$4800.00} Past Due : {$4800.00} Date Opened : XX/XX/XXXX Status : Active collection Last Updated : XX/XX/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 explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: NV

Complaint narrative:
Rapid cash in XXXX attempted to withdraw a loan payment from a debit credit card they did not have legal access to withdraw from.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I submitted a formal dispute to the credit bureau, along with all documentation required under federal lawincluding a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Bseeking the prompt removal of fraudulent information from my credit report. Despite full compliance with these statutory requirements, the bureau failed to block the disputed information within the four-business-day period mandated by law. I respectfully request that the CFPB investigate this clear violation of the Fair Credit Reporting Act and take appropriate enforcement action to ensure the permanent deletion of the fraudulent data. Enclosed are copies of my dispute letter and all supporting documentation 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 non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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 non-monetary relief
Consumer complaint received 2025-08-07 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: NH

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: AZ

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: CA

Complaint narrative:
I am writing to formally dispute a public record that has been erroneously or fraudulently associated with my name and personal information. I believe that this record is inaccurate and the result of identity theft or other fraudulent activity. After reviewing the details of this record, I am certain that I have not been involved in the circumstances listed. It appears that my identity has been used fraudulently. I have taken steps to address this issue with the relevant authorities and will be filing a 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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

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 2025-08-07 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: NJ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation