vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-06-18 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: CA

Complaint narrative:
I need you to look into the mistakes on my credit report immediately. These inaccuracies have been stressing 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
Consumer complaint received 2025-06-18 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:
This is my FINAL reminder that you are reporting claims that fail to meet the minimum legal and industry standards required for you to maintain the privilege of reporting consumer data. 

If you can not produce irrefutable, verifiable documentation proving the accuracy of each allegation, including fully compliant reporting according to Metro 2 standards outlined by the CDIAs Credit Reporting Resource Guide ( CRRG ), you must DELETE these accounts immediately. As clearly stated in CRRG Section 3-4 : ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. 

I am challenging the following accounts : Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : Employer : XXXX Incorrect Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX You have 7 days from the date of this notice to correct or DELETE these accounts. Any failure to comply may result in immediate legal action for willful non-compliance under : 15 USC 1681e ( b ) Failure to ensure maximum possible accuracy 15 USC 1681i Failure to conduct a reasonable reinvestigation 15 USC 1681s-2 ( b ) Knowingly reporting inaccurate information Metro 2 Standards Failure to ensure uniformity in reporting Additionally, to verify the legitimacy of any claim, I demand the following for each account : A notarized statement from a person with direct knowledge of the debt Proof that the debt was legally incurred and not disputed due to defective products, returned merchandise, insurance claims, or tax write-offs. 

If you can not provide full compliance with the above, you are legally obligated to DELETE these items from my credit file. I am fully prepared to enforce my rights and pursue damages if necessary. 

You are hereby officially notified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: IL

Complaint narrative:
The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

Inaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as Agreed. 
XXXX XXXX - Please remove it from my credit report. 

This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. 
XXXX XXXX XXXX Please remove it 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 2025-06-18 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: U.S. BANCORP
State: AZ

Complaint narrative:
On XX/XX/year> I was charged XXXX. I have been on a medical leave and have no income right now. Last month when I called to have to payment sent back to my checking account auto pay was to be turned off. They failed to turn it off and the last of my monies that was to be used for my car insurance was taken. I am now going to lose my car insurance. I age spoke. With 5 different supervisors between XXXX and XXXX All with different stories about when I should be getting the payment back. The last rep I spoke with stated yes this morning I would have the funds back. I do not. So I called again to be told the payment would not be returned. Someone failed to turn off my auto pay as directed. The money drafted and now I am losing my car insurance. I have zero income right now. This is beyond ridiculous and has put me in such a bind.

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 2025-06-18 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:
ACCORDING TO 15 USC 1681I - EXPERIANXXXX XXXX AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX 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 any 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 of 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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to formally dispute the accuracy of a late payment entry reported on my Equifax credit report. This letter serves as a traditional dispute request for the following account, which I believe to be inaccurately reported. 
Creditor Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Reported Balance : {$530.00} Dispute Reason : I believe this account is inaccurately reporting late payments. I made my payments on time, and any reported delinquency may be due to a processing delay or misreporting by the creditor. I respectfully request that Equifax reinvestigate this item in accordance with the Fair Credit Reporting Act ( FCRA ). If the creditor can not verify the accuracy of the late payment with supporting documentation, I request that this entry be corrected or deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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 did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$740.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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:
A recent review of my credit report revealed a hard inquiry that I neither authorized nor expected. I want to make clear that no application or transaction occurred that would justify this access. In compliance with my rights under the FCRA, I am requesting the immediate deletion of this inquiry and written confirmation that this has been done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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 reaching out to dispute a hard inquiry that has been inaccurately placed on my credit report. I did not initiate any transaction, submit any credit application, or authorize any party to access my credit profile at the time this inquiry was recorded. This unauthorized entry is not only misleading but also detrimental to my credit standing. I kindly request a full investigation into this matter and that the inquiry be permanently removed from all versions of 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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
On Friday XX/XX/year>, {$2400.00} was stolen out of my savings account. I reported it to Suncoast Credit Union the next day XXXX XXXX, they said come in on Monday and close the checking and savings accounts and open up new ones. On Monday XX/XX/year>, I went into the credit union and did that, that same night, XX/XX/year>, my savings account got hit again, this time {$1000.00} was transferred from my account to someone's else 's account. I filed a police report, and I signed two affidavits of fraud. The bank reprehensive said it could take up to 10 days to get my money back. Twelve days later I asked why wasn't the money put back into my account? They said that since I filed a police report and signed an affidavit of fraud, it's now going to take thirty working days. The thirty working days were up XX/XX/year>, and I still don't have my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Ive recently received a copy of my reports and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-18 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: IN

Complaint narrative:
Ive recently received a copy of my reports and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-18 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-06-18 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: NY

Complaint narrative:
In XX/XX/year>, XXXXXXXX XXXX XXXX ( Castle Credit Co HOL ) began a roofing job on my property without confirming the start date with me. I was not prepared for the work to begin, and I did not approve the timing. Their team admitted in writing that there was a scheduling error and that they started the job without my consent. 

At the time, I had no income and was not financially ready to enter into any loan agreement. I felt pressured to agree to future payments out of fear that my credit would be damaged. The company never gave me options or time to understand what I was committing to, and the situation created significant stress. 

I later reached out for clarification on the loan charges, payment structure, and reporting. I never received clear documentation or full answers. To make things worse, the debris from the roofing job was left on my property for weeks, which resulted in me receiving fines. I communicated with the company, and while they admitted the trash was their responsibility, the follow-up was poor. 

Despite this, the loan was reported to the credit bureaus, reflecting negatively on my credit. I have only made XXXX XXXX of the required payments and can not afford the balance of over {$15000.00}. I am asking that this loan be removed from my credit report because the work was started without my informed consent, the financial agreement was made under distress, and communication failures contributed to the outcome. 

I am requesting a full investigation into this account and for the record to be deleted from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/year> my JPM Chase CC was charged $ XXXX for XXXX XXXX laptops through XXXX with a new address of XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX. That day I didn't catch the transaction as I was out working until later that night. I immediately called Chase and reported the fraud. According to chase they would cancel my CC, issue a new one and work with the XXXX fraud department and removed the transaction from my account. The following Monday a second order for another $ XXXX was placed for more laptops using a JPM Chase older CC number I once owned. This time the order was to be mailed to an address in MI. That morning my wife noticed this order before it shipped out and cancelled it. We immediately reached out to XXXX to which they took the information, stated they would inform there fraud department and asked us to follow the procedures of removing all payment types on the account, all address 's essentially rendering the account useless for new orders till the fraud department was able to review the case and would reach out to me. 

Fast forward about a month, out of no where all my XXXX devices are deauthorized and I have no access to my account. I get a message from chase stating that they have completed the review and have reapplied the charge stating XXXX showed them order history that I had ordered similar items in my past. When I was in discussion with chase they basically are treating me like I some how opened a fake fraud case cause the two laptops that were shipped were shipped to my house. From what little information I have been told by chase it appears they have not closed prior CC account numbers ( even though they have either expired or been reported as having fraudulent transactions placed with them ), they haven't done much of any investigation with XXXX as they said they would, XXXX themselves have not followed up on any reports of fraud on my account, all my devices have been deauthorized due to $ XXXX being revoked by chase ( even though chase is telling me they paid XXXX ) and at this point chase is asking me to provide proof fraud on these transactions occurred. 

I'm pretty sure I'm in a situation where chase is calling me a liar, XXXX has my account locked ( which I'm trying to get unlocked ) due to withdrawn payment ( though chase says they have paid them ), the information to prove my case with having additional address 's added to my account was removed per recommended processes and I have an additional $ XXXX bill on my account for something I didn't order and no idea if ill be able to return.

Company response to consumer: Closed with explanation