vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: VA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the accuracy of the following accounts and inquiries listed on my Equifax credit report. I believe that these items have been reported inaccurately and are in violation of the Fair Credit Reporting Act ( FCRA ). I request that you investigate the following : Charged-Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} I believe this account has been inaccurately reported as charged-off and request verification of the balance and account status. 

Inquiries : XXXX XXXX  Date : XX/XX/XXXX I dispute the legitimacy of this inquiry and request validation of the request for my credit report. 

XXXX XXXX  Date : XX/XX/XXXX I dispute the legitimacy of this inquiry and request validation of the request for my credit report. 

XXXX  Date : XX/XX/XXXX I dispute the legitimacy of this inquiry and request validation of the request for my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
Dear Sir/Madam, I am writing to file a formal dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccuracies on my credit report as provided by TransUnion ( TU ). Below is a summary of the accounts in dispute and the specific issues associated with each bureau. 

Charged Off Accounts XXXX  XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$480.00} XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$400.00} XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$2200.00} XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$850.00} Inquiries XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : 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 2025-11-17 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: NY

Complaint narrative:
I am filing this complaint to report that XXXX XXXX XXXX placed an unauthorized hard credit inquiry on my credit report without my knowledge or consent. This action occurred without any application, authorization, or permissible purpose as required under the law. While the inquiry has since been removed, the damage to my credit profile and personal stress caused by this unauthorized access is unacceptable and in violation of federal consumer protection laws. Legal Violations : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( f ) A person shall not use or obtain a consumer report for any purpose unless ... the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ... XXXX XXXX XXXX DID NOT have a permissible purpose under this statute to perform a hard inquiry. FCRA, 15 U.S.C. 1681q Obtaining information under false pretenses It is unlawful to knowingly and willfully obtain a consumer report under false pretenses. FCRA, 15 U.S.C. 1681n Civil liability for willful noncompliance A consumer reporting agency or user of information may be liable for damages of {$100.00} {$1000.00} per violation, actual damages, punitive damages, and attorneys fees. FCRA, 15 U.S.C. 1681o Civil liability for negligent noncompliance HARD INQUIRY XXXX XXXX XXXX DATE XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am filing this complaint because Chase Bank has repeatedly failed to send my vehicle title to the Department of Motor Vehicles ( DMV ) despite over a month of requests, causing significant financial loss, transportation expenses, and hardship. 

I contacted Chase 11 times to request the title be mailed to the DMV. During this period : I was repeatedly told to wait 710 business days, even after delays exceeded a month. 
Two Chase representatives disconnected the call, which was unprofessional and obstructed resolution. 
Chase sent the wrong title, forcing me to spend a full day at the DMV where they could not process the transaction. 
As a result, I lost a day of work and the associated earnings. 

Because the correct title has still not been provided, I have been unable to drive my vehicle for over a month. This has required me to pay for public transportation, XXXX, and other travel costs. 

Below are the documented Chase representatives I spoke with regarding this issue : XX/XX/year> Supervisor, ID # XXXX XX/XX/year> XXXX ( no ID provided ) XX/XX/year> XXXX, ID # XXXX XX/XX/year> XXXX, ID # XXXX For the first five calls, I did not record names or IDs because I trusted the bank to resolve the matter in a timely and professional manner. 

Chases mishandling has caused : Lost wages due to a full day spent at the DMV Over a month of transportation expenses ( public transit, XXXX ) Inability to legally drive my own vehicle Significant inconvenience, stress, and disruption.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
A credit inquiry was made under my name for an application I did not authorize or recognize. I never applied to this company, yet they pulled my credit report without my consent, which has negatively affected my credit score. I already spoke with the bureau, and a representative assured me that this unauthorized inquiry would be removed, but it is still appearing. This ongoing inaccuracy has caused needless stress and frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
I received a letter from TransUnion dated XX/XX/year> stating that my Social Security Number and Date of Birth were exposed in a cyber incident involving their U.S. consumer support systems and a third-party vendor. They admitted that unauthorized access occurred and that my personal identifiers were compromised. 

At the same time, I have several disputed accounts on my TransUnion file that they failed to investigate properly and failed to respond to within the 30-day period required by the FCRA. TransUnion repeatedly sent generic verified responses without showing how they verified anything. 

Because my SSN and DOB were exposed, TransUnion can not rely on compromised identifiers to verify accounts. Any verification they claim to have done is unreliable. This breach puts me at an increased risk of identity theft, and any inaccurate, and suspicious accounts must be treated as potentially connected to the breach. 

I am requesting that the CFPB require TransUnion to : Delete the disputed items Explain how they verified accounts using compromised data Correct their failure to safeguard consumer information Provide complete results of reinvestigations I am uploading the breach letter as evidence.

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 2025-11-17 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ) Rule 9037, or Federal Rule of Bankruptcy Procedure 9037, requires the redaction of personal identifiers in documents filed with the court to protect privacy. It mandates that filings with certain personal information, such as full social security numbers, birth dates, and financial account numbers, must only show the last four digits of account numbers and social security/taxpayer ID numbers, the year of birth, and a minor 's initials. The responsibility for redaction lies with the party filing the document, not the court. 

bankruptcy should not be listed on PUBLIC RECORDS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: NC

Complaint narrative:
I am writing to dispute the following accounts on my TransUnion credit report. The accounts listed below have been inaccurately reported, and I request a thorough investigation into their accuracy and status : Charged Off Accounts XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$95.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Balance : {$550.00} XXXX  Account Number : XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$650.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Balance : {$580.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Balance : {$0.00} Inquiries XXXX Date : XXXX Positive Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late XXXX Accounts XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I tendered a payment in silver to the servicing company through registered mail it was received. It included a final payment tendered in silver. I sent a notice to the department of education and they said they only forgive loans when it's called for but I sent terms and tendered payment in silver so it should be honored and closed out. 

Federal Law : 31 U.S. Code 5103 states that U.S. coins and currency ( including Federal Reserve notes ) are legal tender for all debts. 
Constitutional Authority : Article I, Section 10 of the U.S. Constitution prohibits states from making anything but gold and silver coin a tender in payment of debts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
CFPB Statement for Credit Report Hard Inquiry Dispute I am XXXX XXXX XXXX and I submitting this statement because I was the victim of a phishing attack that compromised my personal information and locked me out of several of my online accounts. This incident raised concerns about potential unauthorized activity involving my identity, including suspicious hard inquiries appearing on my Equifax credit report. 

Following the phishing incident, I immediately reviewed my credit reports and identified two hard inquiries that I did not authorize : XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX I contacted Equifax directly to dispute these inquiries and request an investigation. However, based on my past experiences with Equifaxs dispute process, I have not received adequate assistance or resolution. My concerns regarding proper compliance with consumer protection standards remain unaddressed, and my requests for correction have not been handled in a timely or transparent manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: PA

Complaint narrative:
XXXX Fraud Department / Credit Reporting Dispute Account Services Dispute Resolution XXXX XXXX XXXX XXXX Subject : Demand for Immediate Removal Fraudulent Account XXXX Dear Sir or Madam, I am writing regarding an account that was fraudulently opened under my name and Social Security number. I did not open or authorize this account, nor did I authorize anyone else to do so. 

Despite multiple prior requests for verification of this account, including a copy of the application bearing my signature and identification used, I have received no response.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to investigate disputed information on my credit report. Since this account is fraudulent and can not be verified as opened by me, I demand that it be removed from my credit file immediately.

I expect written confirmation of the removal of this fraudulent account within the timeframe allowed by law. Failure to comply may result in me taking further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal remedies under the FCRA.

This account does not belong to me and must be removed from my credit report immediately.

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: NJ

Complaint narrative:
TransUnion allowed a collection account from XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ), Account # XXXXXXXX XXXX XXXX, to show up on my credit report without ever verifying it with me. I never gave permission or written consent for this account to be added, and yet its there, damaging my credit score. Ive already requested validation from the collection agency by filing a complaint with the CFPB on XX/XX/year>, but they havent provided anything. Theres been no signed contract, no breakdown of the alleged balance, and no proof of who even owns the debt or has the legal right to collect it. This is a clear violation of 12 CFR 1006.34 ( b ) ( 5 ) of Regulation F, which states that I am entitled to proper verification when I ask for it. In addition, I was never given a real opportunity to dispute this account, which is another violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Despite this, TransUnion continues to report this account on my credit file as if it were accurate. This is not just unfair, its illegal under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), which prohibits reporting inaccurate or unverifiable information. Whats even more concerning is that the information reported by TransUnion doesnt match the data reported by other credit bureaus, which raises a major red flag. If the information isnt consistent across all CRAs, it clearly doesnt meet the maximum possible accuracy standard outlined in 15 U.S.C. 1681e ( b ). This inconsistency makes me seriously question how TransUnion verifies information at all, or if they are just blindly accepting whatever is submitted without checking with the consumer. At this point, I demand that this account be permanently removed from my TransUnion credit file. It was reported without my consent, without proper verification, and without following the required procedures. This error is causing damage to my credit that should never have happened, and TransUnion must be held accountable. This entire situation has been frustrating, stressful, and completely avoidable if they had simply followed the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

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 2025-11-17 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: Home Loan Center, Inc.
State: AZ

Complaint narrative:
I was looking for a loan, and someone from XXXX XXXX  named XXXX XXXX contacted me through an email XXXX XXXX XXXX XXXX and said he will be my loan officer. After he said I was approved for the loan he then said that my credit score has to be boosted and then I was asked to pay a verification fee of XXXX dollars and an orgination fee of XXXX dollars, then I started getting suspicious. The next day he then told me that there is an insurance fee if XXXX dollars, and then I figured out it was a scam. I payed those through gift cards and I had an idea it was a scam, but I was too blinded by the offer. I then asked for a refund and he said it will take 24 hrs and he gave me an excuse saying that XXXX dollars it the cancelation fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I purchased products from HomeDepot on XX/XX/year> and for which I paid in full on XX/XX/year>. Suddenly I saw that they attached an additional charge in the same amt as my original purchase ( i.e. double charged me ). 
I have spent over a year in written and phone comms.with CitiBank to recognize their error and remove those incorrect charges.I also requested that they provide me with a statement detailing what products they claimed I purchased. They could not provide that as that did not exist. Yet the charge remained on my account.

After 8 months they finally removed but there still remain late fees/interest on my acct. I again disputed these fees since they are attached to a purchase I never made .Consequently I continue ( d ) to ask that they not only remove those fees but also remove the negative reporting to credit agencies which impact my credit score.This request they refused to comply with in their most recent letter.

Each request over what has now become a 14month dispute has been through 4 letters/ docs.sent to Citi with still no resolve. This is ruining my credit score. I continue to accrue late fees/interest on a non-existant purchase that they have admitted was their error. What I would think is an issue that should be easily resolved, Citi seems unwilling or unable to do so. I am now contacting you as a next step toward resolution.

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 monetary relief
Consumer complaint received 2025-11-17 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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