vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im reaching out to dispute an account thats currently showing on my credit report. I need you to certify, with full accuracy and confidence, that every single piece of data tied to this account actually belongs to me including but not limited to the account number, payment history, balances, dates, and all identifying details. 

If you can not fully verify and certify that this account and all of the information attached to it is 100 % accurate and legitimately tied to me, then you are obligated to delete the entire account from my credit report immediately. 

Let me be very clear : Im not asking whether the account looks familiar. I am demanding that you confirm that each data point reported under my name is accurate, verifiable, and truly mine. If theres even a shred of uncertainty, or if you can not produce the necessary records to validate this account as mine, it does not belong on my credit report and keeping it there would be a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

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 2025-09-03 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: MI

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four 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 XXXX XXXX XXXXXXXX Date : XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$26000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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, 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 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MISSION FINANCIAL SERVICES CORPORATION
State: PA

Complaint narrative:
My brother, XXXX XXXX has a trucking company and took a loan for one of his trucks with Mission Financial Services. On XX/XX/XXXX, my brother asked me to make a one time payment for his loan. I was given the contact for XXXX XXXX of Mission Financial Services, Tel : ( XXXX ) XXXX x XXXX, Email : XXXX. I have only worked with XXXX XXXX who instructed me to send funds by online XXXX XXXX for the amount of {$2900.00}. I paid this with my XXXX  card. My brother asked me on one or two more occasions to make a one time payment which I did with my XXXX checking account because when I used the XXXX card it was taken as a cash advance with a higher interest rate. This did not occur with my bank account. 

As a XXXX, I am very busy and sometimes it takes months for me to review my bank accounts and credit card accounts for fraudulent charges. On XX/XX/XXXX, I noticed multiple automatic withdrawals from my XXXX checking account and sent XXXX XXXX an email requesting documentation that I authorized this withdrawal. She did not respond to my message so I contacted my bank and requested a stop payment which was done. On XX/XX/XXXX, I found three more automatic withdrawals from the same checking account. I sent an email to XXXX XXXX again and she never responded to the second email. I notified my bank who confirmed that they had placed a stop payment in XX/XX/XXXX, but the company changed their name slightly and commenced to drafting the truck payment out of my checking account, but this time it was clear to my bank and me that this was fraudulent and I had not given authorization. My back again placed a stop payment on my account on XX/XX/XXXX. I sent XXXX XXXX another email on XX/XX/XXXX, but again, she did not reply. Mission Financial then repossessed my brother 's truck despite still holding my money, claiming insufficient funds from his bank. I am not on my brother 's loan with Mission Financial nor am I on his business registration. I did not co-sign his loan. I only assisted my brother on XXXX to XXXX payments since XX/XX/XXXX. Mission Financial made the unilateral decision to draft his payments from my account. 
Dates and amounts withdrawn by Mission Financial Services : XXXX XXXX card {$2900.00} XXXXautodraft from XXXX {$1400.00} XXXX {$2900.00} XXXX {$1400.00} XXXX {$1400.00} XXXX {$1400.00} XXXX {$1400.00} XXXX {$1400.00} XXXX {$1400.00} XXXX {$1400.00} XXXX {$1400.00} XXXX {$1400.00} XXXX {$1400.00} XXXX {$1400.00} Total amount taken from my XXXX checking account : {$20000.00} Today I plan to go to my local police and district attorney 's office to file a police report

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

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 2025-09-03 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: FL

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) 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 four 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 XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$22000.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$21000.00} XXXX XXXX  XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX CARD - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX 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 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I applied for the XXXX XXXX XXXX Credit Card on XX/XX/year>, during a promotional period that clearly advertised a welcome offer of 5 Free Night Awards for applications approved by XX/XX/year>. This offer was the primary reason I applied for the card. 

Before applying in branch, I attempted to apply online twice, but both applications were unsuccessful because I had just obtained my SSN and had no U.S. credit score. As an international student at that time, I had no choice but to apply in person at the XXXX XXXX XXXX branch. At no point was I informed that the in-branch offer would be different from the public online offer. 

I met the qualifying spend requirement shortly after approval. However, the 5 Free Night Awards were never posted to my XXXX account. Over the following XXXX months, I repeatedly contacted both XXXX and Chase by secure messages, phone calls, and even branch visits. XXXX never informed me of any offer change. Chase eventually told me my account was tied to a different and lower-value offer of XXXX points + {$300.00} statement credit. 

Chase has since refused to correct the issue, stating that the promotional period has passed. This is misleading and unfair. I should not lose the promised 5 Free Nights because of an undisclosed change, especially since I applied and was approved within the promotional period and met all requirements. 

I want to make clear that I am not asking to receive both offers. I am willing to return or forfeit the XXXX points and {$300.00} statement credit if necessary. I only request to receive the 5 Free Night Awards that were publicly advertised at the time of my application. 

Because I was excluded from the public offer due to my inability to apply online as a new international student without a credit score, I believe this may also raise concerns of unfair and potentially discriminatory treatment under the Equal Credit Opportunity Act ( ECOA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

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 Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: MO

Complaint narrative:
Im reaching out to dispute an account thats currently showing on my credit report. I need you to certify, with full accuracy and confidence, that every single piece of data tied to this account actually belongs to me including but not limited to the account number, payment history, balances, dates, and all identifying details. 

If you can not fully verify and certify that this account and all of the information attached to it is 100 % accurate and legitimately tied to me, then you are obligated to delete the entire account from my credit report immediately.

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 2025-09-03 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four 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 XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX 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, 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 2025-09-03 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: MI

Complaint narrative:
Subject : Formal Demand for Removal of Student Loan Account ( s ) Based on Violations of Federal Law and Failure to Comply with Proper Verification Requirements To the Supervisor of the Department : This letter serves as a formal dispute and opt-out notice pursuant to the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S. Code 6801-6809, and the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq.. It is also a demand for deletion of the following student loan account ( s ) due to a failure to provide proper legal authorization, verification, and disclosure. 
Violation of Privacy and Disclosure Requirements ( GLBA ) Per 15 U.S. Code 6802, financial institutions are prohibited from sharing nonpublic personal information with nonaffiliated third parties including credit bureaus without giving the consumer clear and conspicuous notice and the ability to opt-out. At no time was I provided : Clear written notice that my nonpublic personal information would be reported to credit bureaus. 
An opportunity to opt out of this data sharing. 
An explanation of how to exercise my opt-out rights. 
Because this requirement was not met, the transmission of my personal and financial data to any consumer reporting agency is unauthorized and unlawful. You are hereby instructed to permanently cease and desist from sharing or reporting any of my account history or personal information related to these student loans. 
Violation of FCRA Incomplete and Inaccurate Reporting Under 15 U.S.C. 1681i ( a ) and 1681s-2, you are legally obligated to conduct a reasonable investigation upon receiving a dispute. Furthermore, you are required to verify the accuracy of the data by obtaining documentation from the original creditor or furnisher of the account. 
This includes physical verification of an original, signed Promissory Note, not a digital or reproduced version, to validate that : I legally entered into a financial agreement. 
The reporting party has lawful standing to collect, report, or assign this alleged debt. 
The account is not fraudulent, inaccurate, or unlawfully reported. 
If you can not produce original signed contracts and documentation proving the legal basis for reporting, you are required to remove the account immediately under federal law. 
Account to be Deleted I am disputing the following account and demanding its deletion : Account Name/Servicer : DOE XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Explanation : This account was reported without valid authorization, legal verification, or proper consumer disclosure under the Gramm-Leach-Bliley Act and Fair Credit Reporting Act. The Promissory Note has not been provided, and the information reported is both incomplete and potentially fraudulent.

Company response to consumer: Closed with non-monetary relief