vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am filing this complaint against JPMorgan Chase & Co. for mishandling my business credit application, providing false denial reasons, and potentially violating the Equal Credit Opportunity Act ( ECOA ), Regulation B, and the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year> at XXXXXXXX XXXX., I received a call from a Chase Executive Back Office representative named XXXX. She provided denial reasons that were inconsistent and factually incorrect, conflicting with my actual credit profile. This behavior suggests Chase may not be complying with ECOAs requirement to provide accurate adverse action notices and may be misleading applicants.

Given my profile ( credit score XXXX, {$180000.00} in deposits, XXXX years of positive banking history ), Chases decision can not be justified without considering prohibited factors such as ZIP code, ethnicity, or gender useddirectly or indirectlyin internal scoring models or decision-making criteria, in potential violation of federal law and Chases CRA obligations. 

Thank you for your attention. I am prepared to provide all call records, correspondence, and financial documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: OH

Complaint narrative:
Ive reported several times to the company that information is inaccurate and also fraud and Ive been waiting months for information to be removed from credit, company failed to follow law I disclosed law codes and etc and the problem was not solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: OH

Complaint narrative:
Ive reported several times to the company that information is inaccurate and also fraud and Ive been waiting months for information to be removed from credit, company failed to follow law I disclosed law codes and etc and the problem was not solved.

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15. U. S. C. 
XXXX ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: TOWNEBANK
State: VA

Complaint narrative:
I had XXXX XXXX national bank assist me with a wire transfer to purchase a home in XXXX. After multiple attempts due to the incompetency of their employee, I noticed additional monies above and beyond XXXX XXXX rate was missing. I contacted the company both through email and over the phone, and I was told the only money taken out before sending to the receiving bank was a {$50.00} fee. I went into detail about the missing money from the first transfer and how important it was that I find out where that money went so when I transferred the large amount, it didnt happen again. I was told that it must be the receiving bank that was taking additional money from XXXX XXXX rate. I had heard that banks in XXXX often use a different exchange rate than we do, so that they can make money off of it, so I assumed that what they told me at Old Point national Bank was true. So I sent the money in pesos so that I would get the XXXX exchange rate. But what I later found out was that Old Point national Bank did not tell me the truth about the wire transfers. I did my due diligence and spoke to XXXX different employees of this bank, and neither of them told me what was about to happen. When I did the wire transfer for {$130000.00}, Old Point national bank took an extra {$5000.00} of it for their trouble! I was told after the transfer went through by their employee, that XXXX XXXX uses an exchange rate the only they know about, and they didnt bother to mention it to me previously. Anyone can XXXX XXXX XXXX rate, and I was also on an app called XXXX, which told us the daily/hourly exchange rate. Old Point national Bank used a different rate and claimed they had every right to do so. Even though I had specifically called for this reason, and they failed to disclose to me what they were doing. I have asked them to return my additional money, and they refuse to do so. I trusted my bank, and they purposely with held important information from me, even when I specifically was asking about it! What do we do if we cant even trust our own bank!

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TrueAccord Corp.
State: MD

Complaint narrative:
I disputed a collection account with Sentry Credit Inc and also sent a formal Debt Validation Request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, on XX/XX/year> ( see attached copy of letter and USPS certified receipt ).

Instead of providing the legally required validation ( original signed contract, itemized statement, proof of ownership/assignment, etc. ), Sentry Credit merely updated my credit report to state Completed investigation of FCRA dispute consumer disagrees.

This is not debt validation under the FDCPA. By failing to provide validation and continuing to report the account, Sentry Credit is in violation of 15 U.S.C. 1692g ( b ).

I am requesting that this account be deleted from all credit reporting agencies immediately, or that full legal validation be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-08-29 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: OH

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 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXX, three of my XXXX XXXX XXXX annuities were surrendered without my knowledge or authorization, totaling {$190000.00}. I never signed the surrender forms, and the documents contained wrong ZIP codes and contact details that were not mine.

One payout of {$48000.00} was wired directly to a XXXX XXXX XXXX account that I never opened and never had access to.

Two checks totaling about {$150000.00} were drawn in my name, routed through my bank account without my knowledge, and immediately withdrawn. I never received, deposited, or withdrew these checks. 

The bank and insurer failed to verify account ownership, ignored obvious red flags in the paperwork, and allowed unauthorized third parties to divert my funds. I only discovered these transactions in XXXX when I obtained copies of the forged surrender forms. 

This has caused me significant financial harm. I request a full investigation, recovery of the stolen funds, and accountability for the parties and institutions involved.

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
Early warning service is reporting inaccurate information resulting in me not able to get accounts fraudulently reporting accounts that I did not have XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX IS REPORTING ON MY CREDIT REPORT THAT I HAVE AN ACCOUNT IN COLLECTIONS WITH THEM. THE ACCOUNT NUMBER IS XXXX, IT WAS OPENED XX/XX/year>, AND THE BALANCE IS : {$1200.00}. I REACHED OUT TO XXXX, XXXX, AND TRANSUNION AND TOLD THEM THAT IT WAS NOT MINES AND EVERY COMPANY EXCEPT FOR TRANSUNION REMOVED THE ITEM. AFTER DIPSUTING THE INFO AND CONTACTING TRANSUNION THEY TOLD ME THEY CANT REMOVE IT BECAUSE XXXX XXXX XXXX IS STILL REPORTING AS A LEGITIMATE ACCOUNT AND IF ITS NOT MINE I SHOULD CONTACT XXXX XXXX XXXX  I CONTACTED XXXX XXXX XXXX AND THEY TOLD ME I NEVER HAD AN ACCOUNT WITH THEM YET IT IS STILL REPORTING ON MY CREDIT REPORT. XXXX XXXX XXXX  REFUSES TO STOP REPORTING THIS TO MY CREDIT REPORT DESPITE TELLING ME ON A RECORDED LINE IN THEIR SYSTEM THAT I NEVER HAD AN ACCOUNT WITH THEM AND THE ACCOUNT SHOULD NOT BE REPORTING THAT TO MY CREDIT. THEY TOLD ME TO CONTACT TRANSUNION AND TRANSUNION TOLD ME TO CONTACT XXXX XXXX XXXX  MEANWHILE I AM THE ONLY ONE WHO SUFFERS HERE. I WOULD LIKE THIS INFORMATION REMOVED FROM MY CREDIT REPORT BECAUSE IT IS NOT MINES. PLEASE REMOVE XXXX XXXX XXXX ACCOUNT NUMBER XXXX BALANCE {$1200.00} 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 non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Shepherd Outsourcing, LLC
State: OK

Complaint narrative:
Shepherd outsourcing contacted me regarding current creditor XXXX XXXX who who originally bought a debt from XXXX  XXXX a credit card. Ive already filed a complaint with CFPB with XXXX XXXX XXXX. Told shepherd Outsourcing to stop harassing me with text and I also submitted a report with you all and I filed a report with FTC I told them to cease and desist

Company response to consumer: Closed with explanation