vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the 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, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. 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 as proof from the XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas, XXXX XXXX XX/XX/XXXX Transunion XXXX XXXXXXXX XXXX, XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Credit Report Information Under the Fair Credit Reporting Act ( FCRA ) Dear Transunion, I am writing to dispute the following inaccurate item ( s ) in my credit report as provided by your agency. This letter serves as a formal notice under the Fair Credit Reporting Act ( FCRA ), specifically citing : 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy ; 15 U.S.C. 1681i, which mandates that consumer reporting agencies reinvestigate disputed information within 30 days. 

Disputed Information : Creditor/Furnisher Name : XXXX  Account Number : XXXX Reason for Dispute : Inaccurate Dates The above item ( s ) are inaccurate and damaging to my credit profile. I request that you conduct a thorough reinvestigation of the disputed information. If you are unable to verify the accuracy, completeness, or ownership of this data, you are legally obligated to delete it from my credit report. Supporting Documents Enclosed : A copy of my credit report with the disputed item ( s ) clearly highlighted the inaccuracies on my report Please respond in writing with the results of your investigation within 30 days, as required by FCRA guidelines. If the information is found to be inaccurate or unverifiable, it must be removed or corrected immediately. If this matter is not resolved appropriately, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) and consider legal action to protect my rights under federal law. Thank you for your prompt attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-05-30 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: WV

Complaint narrative:
On XX/XX/year> I was notified that I had a collections from XXXX XXXX XXXX on my credit report regarding an apartment where I previously resided. The original amount on my credit report was {$4900.00}. This was the first time I have been notified about this bill existing. I was never sent any information by my previous landlord nor XXXX XXXX XXXX. I called the collections agency whom I have never spoken to nor had I received a bill from. I asked them to validate the debt and they sent me a letter that did not include when I had to pay this bill or that I had the right to dispute it. This was sent to the credit bureaus without my knowledge of this even existing or the collection agency contacting me. The credit bureaus should not have reported this on my credit report. I have made several disputes and they will not remove this collections. I disputed this collections on XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. The debt collector never provided any proof that they attempted to contact me or spoke to me. I'm unsure of why the credit bureaus consider this legal. After several attempts to get this removed for my credit report the collections amount changed to XXXX. They accepted a falsified document sent to them months after this was originally reported. This document came allegedly from the corporate office of my former landlord. Nothing in this falsified letter matched up to what the property manager of my former landlord had sent to the collections agency. None of the information I have was provided to me by my former landlord. It was provided to the collection agency who has sent me this information only when I have called to address why they sent this to the credit bureaus without contacting me. They have yet to answer my question. The credit bureaus have yet to remove this collections from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: WV

Complaint narrative:
On XX/XX/year> I was notified that I had a collections from XXXX XXXX XXXX on my credit report regarding an apartment where I previously resided. The original amount on my credit report was {$4900.00}. This was the first time I have been notified about this bill existing. I was never sent any information by my previous landlord nor XXXX XXXX XXXX. I called the collections agency whom I have never spoken to nor had I received a bill from. I asked them to validate the debt and they sent me a letter that did not include when I had to pay this bill or that I had the right to dispute it. This was sent to the credit bureaus without my knowledge of this even existing or the collection agency contacting me. The credit bureaus should not have reported this on my credit report. I have made several disputes and they will not remove this collections. I disputed this collections on XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. The debt collector never provided any proof that they attempted to contact me or spoke to me. I'm unsure of why the credit bureaus consider this legal. After several attempts to get this removed for my credit report the collections amount changed to XXXX. They accepted a falsified document sent to them months after this was originally reported. This document came allegedly from the corporate office of my former landlord. Nothing in this falsified letter matched up to what the property manager of my former landlord had sent to the collections agency. None of the information I have was provided to me by my former landlord. It was provided to the collection agency who has sent me this information only when I have called to address why they sent this to the credit bureaus without contacting me. They have yet to answer my question. The credit bureaus have yet to remove this collections from my 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 2025-05-30 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: NE

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX : {$1200.00} Open Date XX/XX/XXXX, XXXX XXXX XXXX  Balance : {$420.00} Open Date XX/XX/XXXX, XXXX XXXX XXXX  Balance : {$150.00} Open Date XX/XX/XXXX, XXXX XXXX XXXX Balance {$7000.00} Open Date XX/XX/XXXX, XXXX XXXX XXXX Balance {$1500.00} Open Date XX/XX/XXXX, XXXX & XXXX Balance {$1200.00} Open Date XX/XX/XXXX, XXXX & XXXX Balance {$620.00} Open Date XX/XX/XXXX, XXXX XXXX XXXX Balance {$190.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XXXX  XX/XX/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 2025-05-30 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:
I have unauthorized inquiries on my credit report that are also unverified & fraudulent per Fcra 1666b please delete the following inquiries from my credit report immediately Hunting a finance 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 XXXXl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: TX

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 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 2025-05-30 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is a formal request for the removal of fraudulent accounts that appeared after a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$8700.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$24000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$960.00} XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6400.00}

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 2025-05-30 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: CA

Complaint narrative:
This is a formal request for the removal of fraudulent accounts that appeared after a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$8700.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$24000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$960.00} XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I requested a validation for these alleged accounts XXXX. The name of the original creditor. 
XXXX. The amount of the alleged debt, including any interest, fees, or other charges. 
XXXX. A copy of any judgment ( if applicable ). 
XXXX. A copy of the original contract or agreement bearing my signature. 
XXXX. The chain of title of the alleged debt ( documentation that proves they have the right to collect ).

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 2025-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, a {$970.00} pending charge from XXXX was placed on my Chase debit card. I canceled the reservation immediately due to an incorrect underage driver fee, and XXXX confirmed the cancellation. 

Despite this, the pending charge has not been released. I contacted both XXXX and Chase several times to request information on whether the transaction was voided or processed, and when the pending amount would be released. I received no clear answer or resolution. 

This ongoing hold is causing financial inconvenience. I also filed complaints with the FTC ( Report # : XXXX ) and the XXXX XXXX XXXX. I am requesting Chase to either release the funds or provide a formal explanation for the delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: TX

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2025-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/XXXX, I opened both a personal checking account and a business account. I maintained a positive balance and never experienced overdrafts or engaged in any fraudulent activity. However, between XXXX and XX/XX/XXXX, both accounts were closed abruptly without any prior notice or explanation from the bank. I was not informed of the reason for closure, nor was I given an opportunity to address any concerns. 

Following this, I applied to open new accounts with XXXX XXXX  XXXX in XX/XX/XXXX. My application was approved, but again, within just XXXX days, both my checking and business accounts were closed without explanation or notice. 

As an independent contractor, I rely on access to both personal and business banking accounts to manage payments, deposits, and expenses. The repeated closures have made it extremely difficult to operate my business and handle essential financial tasks. 

I am concerned that Chase and XXXX XXXX XXXXXXXX may have reported incorrect or damaging information to XXXX  or other reporting agencies, which could now be preventing me from opening accounts at other institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently suffered a data breach, and as a result, fraudulent accounts have been reported under my name. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
My paypal account was automatically opened in the location of XXXX. After a few months paypal asked for me to verify my address was then when I realized the paypal account was based in XXXX and i couldnt change the address. I have over {$10000.00} in the account that I can not access because I can not verify an address in XXXX that I dont have. Everytime I call the XXXX paypal they say theres nothing they can do because its an XXXX account. Then I call paypal XXXX and they say that I have to speak to XXXX paypal to switch it.

Company response to consumer: Closed with explanation