vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: AR

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any 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 non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
I took out a loan with title Max for {$2000.00} had to pay back over {$6000.00} for my car, my car end up getting repossessed, by mistake when I was up on payments, making me miss work and lose my job, and when I finally got my car back, it was damaged and title. Max is not trying to pay for the damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion consumer solutions XXXX XXXX XXXX XXXX, pa XXXX Identity Theft Affidavit and Request for Permanent Removal of Incorrect Information under 15 U.S.C. 1681c-2 ( FCRA 605B ) Dear transunion consumer solutions I am writing to formally request the permanent removal of incorrect information from my credit report pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ). The information in question resulted from identity theft, and I am providing this affidavit to support my request.

Enclosed, please find the following supporting documentation : 1. copy of my credit report XXXX. Copy of my FTC report XXXX XXXX copy of identification I am requesting that you delete and remove the fraudulent account and any associated negative information as mandated by law. The accounts in question are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX provide written confirmation that the fraudulent information has XXXX permanently removed from my credit file, as required under FCRA 605B.

Thank you for your prompt attention to this matter. 

Sincerely,

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
Are you guys crazy or what, every day Im getting emails from you guys that youre changing my address, and Im also getting that in the mail as well, what is wrong with you guys, what is the problem with the address? I dont understand I especially went to the branch and asked them to put my XXXX XXXX XXXX in XXXX for the mailing address, with whose permission did you change it to the address in XXXX XXXX 

Do you want a lawsuit?

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was paying my XXXX card and they asked me if I wanted to use my chase checking account which I do not have one. They said that they will close it but I dont know if was taken care of, I was transferred to many different department

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute the inaccurate information reported by your company to the credit bureaus regarding the account listed below. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and, where applicable, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

If you are a third-party debt collector, you are also governed by the FDCPA, which prohibits the use of false or misleading representations in connection with the collection of a debt ( 15 U.S.C. 1692e ) and requires proper validation of the debt under 15 U.S.C. 1692g.

I have reviewed my credit report and found that the following information reported by your company is inaccurate and/or incomplete : The dates of delinquency/payment/charge-off are incorrect.

The account balance and payment history do not match my records.

The account may be misattributed, duplicated, or does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The bureaus have informed me that they received my information and dispute letter, but refused to investigate further, claiming I used a credit repair company. Ive been repeatedly dismissed by the bureaus for months, and its becoming extremely frustrating. 
As a consumer, my rights are being violated, and Im left wondering how Im supposed to defend myself when the same issue keeps happening over and over.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: HI

Complaint narrative:
I have observed a collection entry from your agency on my credit file that was not previously communicated to me, and I have serious concerns about the accuracy of the claimed debt. In accordance with the Fair Debt Collection Practices Act, I am exercising my right to request validation of this debt and ask that you address this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: MI

Complaint narrative:
Identity theft is. a very big deal to me because I am now suffering the consequences of these actions, however, I will put an end to it now. I have filled out all appropriate documentation and taken all the necessary steps needed in order to clean my credit profile from the problems of other people. I am a victim of identity theft and I no longer want to be dealing with this matter, please see my attached documents and process my request in deleting and blocking the fraudulent information that is on my credit profile. Names variations, accounts, and addresses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/XXXX I arranged for transfer of funds from Chase savings account. I already did the verification of the account through the portal. XXXX and XXXX. Chase representative XXXX called me on today to do another authentication of the transfer in the amount of {$6600.00} to XXXX XXXX XXXX I verified all questions that was asked by XXXX for her to tell me can not authorized the transfer. I do not receive Chase notifications on my phone, she tried that option. Chase notification option have not been able to receive notifications before XXXX employee encounter. I am really frustrated with Chase Bank. I have been a customer over XXXX years and I never have been treated this harshly since I applied for mortgage in XXXX in XXXX XXXX XXXX XXXX and was treated unkindly. Chase Bank is more so a convenience because they are everywhere and the everywhere has now become a negative and not a positive. Everywhere has been come an issue with Chase. I have been having issues with Chase. I believe the treatment is deliberate at this point due to the defamation of character that has been placed in my file which is totally fabricated. I can not wait for Justice to be served. 

I spoke with XXXX 's supervisor, XXXX stated that the reason that Chase is rejecting my transfer '' " we are unable to confirm your ownership of the external account with the external bank ''. 

I would have to initiate another means of transfer, such as initiate the transfer from the receiving bank of the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any 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 non-monetary relief
Consumer complaint received 2025-05-21 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: NY

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX XXXXXXXX please investigate and provide proof with statements showing that these payments were late. If proof can't be provide I demand these payments be updated to on time as they should be as I was never late. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: VA

Complaint narrative:
FCRA 604 ( 15 US CODE 1681B ) FCRA 611 ( 15 US CODE 16811 ) FCRA 609 ( 15 US CODE 1681G ) i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative outdated and incomplete items from EXPERIAN EQUIFAX TRANSUNION XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT . According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
FRAUDULENT INQUIRES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX these accounts were opened fraudulently without my authorization and inquires are fraudulently made without my authorization. Per FCRA 605B ( 15 U.S.C. 1681c-2 )

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
FCRA 604 ( 15 US CODE 1681B ) FCRA 611 ( 15 US CODE 16811 ) FCRA 609 ( 15 US CODE 1681G ) i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative outdated and incomplete items from EXPERIAN EQUIFAX TRANSUNION XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT . According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
FRAUDULENT INQUIRES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX these accounts were opened fraudulently without my authorization and inquires are fraudulently made without my authorization. Per FCRA 605B ( 15 U.S.C. 1681c-2 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im contacting you about inquiries showing on my credit report that I did not authorize. This is a case of fraudulent use of my identity, and I had no involvement with these inquiries whatsoever.

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 2025-05-21 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 have always made my payments on time, so the fact that this late payment is showing up on my account worries me. I implore you to fix this mistake by eliminating the incorrect mark as soon as possible because it is causing excessive frustration.

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 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I called to close a credit card with Citi Bank which is tied to XXXX XXXX miles and rarely used. The account currently has {$0.00} balance and I am able to see it online. The reason I wanted to close this account was their annual charge and non disclosure of diminishing miles each year with no communication to me. 
Logging into their system online, it says you have to call to close the account. The first rep said he would need to put me on hold to review options and available offers.... I explained I am not interested in any offers and simply want to close the account. He said I would need to hold. Eventually he transferred me to XXXX, their " Account specialist/retention rep '' and I explained the same to her. She said I would need to hold for a few minutes and I explained as we were XXXX minutes into a simple call to close my account now, I am not looking for offers and simply want them to close out the account, which is my right. After XXXX minutes, she finally sent a link to click I accept their disclosures and they closed it out. XXXX said this is CitiBanks standard XXXX XXXX how they handle every account closure per their XXXX. Absolutely absurd for a bank to operate like a XXXX world bargain store??

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 2025-05-21 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: CA

Complaint narrative:
I'm writing to dispute the late payments reported on my credit file for the account in question. Im asking that you validate this information, as I believe the reported late payments are 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 non-monetary relief