vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute several accounts reported with late payment notations that I believe to be inaccurate or misreported on my credit file. These entries are negatively impacting my credit, and I request a thorough investigation and correction of these discrepancies. I kindly ask that you verify these late payments with the creditors involved and correct any inaccurate information from my report. 
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

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 2025-08-27 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: OH

Complaint narrative:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-08-27 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Good morning Im XXXX, my husband XXXX passed away On XX/XX/year>, I informed chase bank and they closed my husbands account and asked me to provide small estate affidavit to transfer funds from his account, I got approved by the judge and submitted including my husbands death certificate and marriage certificate, they did transfer from his account and the next few days I have received a CD from bank, my husband took a cashier check and forgot to put it back because he was tackling with XXXX, I went to Chase they told me that I have to hire an attorney for letter of testimentery, I asked is there any other way I can get my money back because POD is me, my husband mentioned my name in the CD, now its expired, Im a single mom and not working, I came to XXXX for self recovery, I have XXXX XXXX I barely can see things, I came to XXXX and followed by chase, manager XXXX tried her best to reissue my cashier check but no luck, she said I need a letter of testimentery, I thought this reissuing my check is gon na be successful but didnt happened, how many times I send an email there is no response from Chase bank XXXX finally I gave a complaint to XXXX, all of sudden I have received an email from XXXX executive by emailing they need more information, I had to call from XXXX to USA and she asked me to send nitrate from XXXX attorney and I spent almost 3 business days to get the certification of nitrate from XXXX attorney and I submitted, after that XXXX didnt picked my call or didnt respond to my email, when I asked her this week she said she cant communicate in email, only by phone and now she said letter of testimentery is needed, I asked there is no will is that okay if I ask my XXXX attorney to give me letter of testimentery, she said she is not sure whether the chase will accept or not, Im very very depressed, please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: NJ

Complaint narrative:
XXXX XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX XXXX XXXX - XXXX XXXX  CARD - XXXX XXXX - XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX  XXXX - XXXX XXXX  XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXXXXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXX XXXX XXXX XXXXInquiryXXXX XXXX XXXX XXXXInquiryXXXXXXXX XXXXInquiryXXXX XXXXInquiryXXXX XXXX  XXXXInquiryXXXX  XXXX XXXXInquiryXXXX XXXX XXXX XXXXInquiryXXXXXXXX XXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXXXXXX CARDInquiryXXXX XXXX CARDInquiryXXXX XXXXXXXX CARDInquiryXXXX  XXXX CARDInquiryXXXX XXXXInquiryXXXX XXXXInquiryXXXX XXXXInquiryXXXX XXXX CARDInquiryXXXX  XXXX CARDInquiryXXXX  XXXX XXXX  XXXX - Incorrect Personal XXXX XXXX XXXXXXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX, XXXX, XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER : XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: AZ

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-27 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:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: FL

Complaint narrative:
I am formally disputing the accuracy, completeness, and verifiability of the below-referenced account on my credit file with Credit Bureau Agency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: FL

Complaint narrative:
I am formally disputing the accuracy, completeness, and verifiability of the below-referenced account on my credit file with Credit Bureau Agency

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 2025-08-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc

Complaint narrative:
Dear Consumer Financial Protection Bureau, I hope this email finds you well. I have been using PayPal to receive payments for my online business and also paid some of my staff using the same platform. Last XX/XX/year> I got a notice that PayPal is requesting for my verification details for their quick account review which I gladly provided all the required documents. All was fine until on XX/XX/year> I get notified that my account has been permanently deactivated due to the allegations that my account was linked to another PayPal account with unresolved issues ( Reference ID : XXXX ). I immediately contacted their support team and I was told that they've completed their review on my account and they decided to permanently limit my account, also they told me that their decision to leave my account in a permanent limitation status is final. I feel this was not fair on my part as I don't have any other PayPal account. I strongly believe that this decision was made in error. I'm kindly requesting to your good office to help me reinstate my PayPal account as this is causing significant inconvenience impacting my ability to meet financial obligations. Your prompt help and attention to this matter is greatly appreciated and I look forward to a positive resolution. Thank you so much for your kind help and assistance. 

Very sincerely yours, XXXX XXXX PayPal Email Address - XXXX PayPal Reference ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carvana Group, LLC
State: CA

Complaint narrative:
Carvana agreed to back me out of loan because car was faulty when bought and they lied about it passing inspection and about the record of the car. I provided documents of the car fax they gave me and the report from the XXXX dealership where there copy was missing the reports of motor damage. The woman who agreed to back me out of the loan was then fired and I was not reached back out to for 6 months when I followed up and they offered me a XXXX $ check for the time elapsed without a follow up. 6 more months passed and they then withdrew both the offer to back me out of the lease and the compensation money, the car has been taken back already at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 explanation
Consumer complaint received 2025-08-27 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-27 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 writing to formally dispute and request the removal of inaccurate and unauthorized information currently reported on my credit file. I am attaching FTC Report # XXXX as supporting documentation. 
Upon reviewing my credit report, I have identified several inaccuracies that I believe are impacting my creditworthiness. These inaccuracies may be due to errors or confusion with my personal information, and I am requesting a thorough investigation of the following items. I ask that these items be fully reviewed and removed from my credit report if they can not be verified as accurate. 
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 Balance : {$7400.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$10000.00} XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  Balance : {$710.00} CREDIT COLL Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00}

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 2025-08-27 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: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

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 2025-08-27 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act : Under 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy concerning my credit information. Under 15 U.S.C 1682 Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish any account or report without my written instruction or consent. I am formally disputing collection account # XXXXreported by XXXX XXXX XXXX for the original creditor " XXXX XXXX XXXX, '' which later changed its name to " The strand at the XXXX '' because it was added to my credit report without my written authorization and is based on deceptive and dangerous rental practices. The unit had no aire conditioning, suken floors, humidity on the ceiling, mold, and clogged plumbing. There was a constant smell of gas, as all cooking was gas based and safe control or service. The complex has not pest control. The area was unsafe with frequent robberies, and mannagment failed to protect or assist tenants. Due to ongoing lawsuits and complaints from many residents, the complex changed its name to avoid legal consequences and reputational damage. XXXX XXXX, the property manager, and XXXX XXXX, the realtor, knowingly rented me this unit under false pretenses. This apartment complex was not suitable for human habitation. I was deceived. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am also attaching evidence, including photos and videos, that demonstrate the negligent and abusive practices of this of this company. In less that ten years, they have changed the name of apartment complex twice to avoid accountability.

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 2025-08-27 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act : Under 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy concerning my credit information. Under 15 U.S.C 1682 Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish any account or report without my written instruction or consent. I am formally disputing collection account # XXXX by XXXX XXXX XXXX for the original creditor " XXXX XXXX XXXX, '' which later changed its name to " The strand at the XXXX '' because it was added to my credit report without my written authorization and is based on deceptive and dangerous rental practices. The unit had no aire conditioning, suken floors, humidity on the ceiling, mold, and clogged plumbing. There was a constant smell of gas, as all cooking was gas based and safe control or service. The complex has not pest control. The area was unsafe with frequent robberies, and mannagment failed to protect or assist tenants. Due to ongoing lawsuits and complaints from many residents, the complex changed its name to avoid legal consequences and reputational damage. XXXX XXXX, the property manager, and XXXX XXXX, the realtor, knowingly rented me this unit under false pretenses. This apartment complex was not suitable for human habitation. I was deceived. 
XXXX XXXX XXXX XXXX XXXX XXXX I am also attaching evidence, including photos and videos, that demonstrate the negligent and abusive practices of this of this company. In less that ten years, they have changed the name of apartment complex twice to avoid accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: PA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation