vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
First, I contacted Chase Bank and reported the {$74.00} transaction from XXXXXXXX XXXX as fraudulent. 
The Chase representative said that to return the funds, I needed to cancel my card, so I canceled it. Meanwhile, a temporary credit of {$74.00} was credited to my checking account pending further investigation. Days later, I received a notice from Chase Bank stating the investigation outcome showed the transaction was valid ; therefore, the temporary credit had been scheduled to be deducted by XX/XX/XXXX, which it was. This frustrated me from being robbed by a crook and not being supported by my bank. I called Chase and they claimed that I made the transaction in the store with my pin which is false. This prompted me to visit XXXX XXXX customer service area and request details on my debit card ending with XXXX. The XXXX 's rep requested the last XXXX digits of my card and the date of the transaction, which I provided. To my surprise, she provided me with the receipt that shows the transaction was not in store using my pin like Chase claimed ; it was an XXXX XXXX order, that shows a different XXXX acct than mine and to affect things, the customer ordered alcohol and had to show his or her state identification showing their birthday is XX/XX/XXXX plus their zip code XXXX XXXX. My zip code is XXXX, and my birthday is XX/XX/XXXX. The customers ' XXXX account number 's last digits are XXXX, and mine are XXXX. I submitted the documents from XXXXXXXX XXXX to Chase and Chase still refused to refund my money and said call XXXXXXXX XXXX customer service and I did that as well today XX/XX/XXXX, and they too turned me down after the long hold and said they do not have capability to look up information, and suggested I call Chase Bank again. I feel robbed from my bank and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to report that I am a victim of identity theft. I did not authorize the creation or use of the following accounts, nor have I had any business relationship or prior knowledge of them until they appeared on my credit report. These accounts were opened or reported without my permission, and I believe they were fraudulently created using my personal information : XXXX XXXX XXXX  Account XXXX XXXXXXXX, opened on XX/XX/XXXX, closed with {$890.00} written off, sold to XXXX XXXX XXXX XXXX. 
CAINE & WEINER Account XXXX XXXXXXXX, opened on XX/XX/XXXX, collection account for {$640.00} from Progressive. 
XXXX XXXX XXXX Account XXXX XXXX opened on XX/XX/XXXX, collection account for {$10000.00} from XXXX XXXX XXXXXXXX XXXX 
I did not apply for these accounts, use any services related to them, or receive any benefits from them. I am willing to cooperate fully with any investigation and to assist law enforcement in identifying the perpetrator ( XXXX ) of this fraud. 

I am requesting that all records associated with these accounts be flagged as fraudulent, and that these entries be removed or blocked from my credit report under the protections provided by the Fair Credit Reporting Act ( 15 U.S. Code 1681c-2 ). 

I have also taken the following steps to protect my identity : Notified the major credit bureaus ( XXXX XXXX XXXX ) Please consider this a formal statement of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are picture ID, a bill and a letter helping me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items of which only XXXX are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
BEEN TRYING TO REACH OUT TO USAA TO FIND OUT WHY AND WHO XXXX XXXX XXXX IS KNOW XXXX SEEMS TO KNOW WHO THIS PERSON IS THAT SIGNED A PAYMENT EXTENSION REQUEST? XXXX XX/XX/scrub>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 2025-06-24 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:
I am processing disputes on behalf of inaccurate information reported to my credit profile not following the FCRA & FDCPA laws also I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15UC 1681c-2 ( a ) & include the FCRA & FDCPA l This has caused major inaccuracies reported a false information listed that is hindering my credit score and credit profile. These disputes needs to be investigated and resolved asap. Please review to remove all listed items reported to my dispute filing ASAP.

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 2025-06-24 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: TX

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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:
I am seeking your help in beginning an investigation into the accounts in question, as they are not being accurately reported on my credit report. As provided by USC 1681g, I am formally requesting their removal within XXXX  days. All relevant supporting documents are included for your careful review. It is also important to point out that the information reported is inconsistent and incorrect across different credit bureaus.

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 2025-06-24 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:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: CL Holdings LLC
State: GA

Complaint narrative:
I have no knowledge of these accounts therefore they are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: OR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTo whom it may concern,\n\nI noticed you attempting to collect the listed alleged debt. PURSUANT TO FCRA SECTION 611; 15 USC 1681 AND 15 USC 6802 I hereby dispute the validity of the alleged debt listed below entirely. XXXX XXXX XXXX XXXX XXXX XXXX  am requesting immediate deletion of this debt from my credit report as pursuant to FCRA section 611 pursuant to (FCRA) 15 USC 1681 and 15 USC 6802 requires consumer reporting agencies to notify consumers within five business days of adding negative information to their credit reports. Thank you XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: FL

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my accout ending in XXXX that are inaccurate and not properly Venfied. have disputed this directly with the credit bureaus and the furnisher but the late Payments remain without the proper Validation or documentation under 15 usc XXXX XXXX furnishers must report accurate information Under 15 usc XXXX XXXX. The credit bureaus must perform a reasonable investigation within XXXX days. Nether of them have provided sufficent endence to support the negative reporting it is very important that you remove these late payments

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 2025-06-24 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: FL

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my accout ending in XXXX that are inaccurate and not properly Venfied. have disputed this directly with the credit bureaus and the furnisher but the late Payments remain without the proper Validation or documentation under 15 usc XXXX XXXX furnishers must report accurate information Under 15 usc XXXX XXXX. The credit bureaus must perform a reasonable investigation within XXXX days. Nether of them have provided sufficent endence to support the negative reporting it is very important that you remove these late payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: CA

Complaint narrative:
I was shocked to discover that my credit report has been accessed without my consent. Applications were submitted in my name, and several companies pulled my credit without my authorization. I do not recognize these inquiries, nor did I apply to or give permission to these entities. This is a clear violation of my rights as a consumer, and frankly, its deeply insulting to be subjected to such misuse as a law-abiding individual.

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 2025-06-24 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: MS

Complaint narrative:
There are several inaccuracies on my credit report. I have been dealing with Transunion year after year to correct /delete the inaccuracies from my report. The information keeps coming back verified without proper investigation. Unfortunately, recent events involving TransUnion have caused me to question whether the information you are reporting about me is being properly safeguarded and verified. 

TransUnions well-documented history of data breaches and lawsuits can not be ignored. Specifically : The XXXX XXXX TransUnion, LLC class action lawsuit related to TransUnions failure to properly investigate consumer disputes is scheduled for final approval on XX/XX/XXXX. 

TransUnion XXXX XXXX XXXX ( XX/XX/XXXX ) Settlement for mishandling disputes and unauthorized credit inquiries. 

The major TransUnion data breach in XX/XX/XXXX where over XXXX XXXX consumer records were exposed. 

The XXXX breach that compromised the personal information of tens of thousands of consumers. 

The XXXX settlement with the FTC and CFPB, where TransUnion was ordered to pay {$23.00} XXXX for failing to protect consumer rights and mishandling credit reporting. 

Given this pattern, I have serious concerns that the negative information reported on my file may not even belong to me or may have been inaccurately processed as a result of your past security.failures. I no longer have confidence that the data in your system is reliable, valid, or specific to me.

FCRA Violations : 15U.S.C. 1681e ( b ) Requirement to follow reasonable procedures to assure maximum possible accuracy of consumer reports.

15U.S.C. 1681i ( a ) Requirement to conduct a reasonable reinvestigation when a report is disputed.

15U.S.C. 1681d ( a ) Procedural protections for consumer credit file disclosures.

15 U.S.C 1681 ( n ), 1681 ( o ) Consumers private right of action for willful and negligent violations. 

For these reasons, I am demanding the immediate deletion of the following negative items from my credit report.This situation has caused me significant emotional distress. I have experienced : Constant stress and anxiety worrying about my financial reputation, Feelings of helplessness and frustration from repeatedly trying to correct inaccurate records that should have been resolved with reasonable effort. Loss of sleep, distraction at work, and social embarrassment caused by repeated credit denials.

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 2025-06-24 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: IL

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/year>, I was the victim of a financial fraud scheme in which scammers impersonating representatives of XXXX XXXX XXXX / XXXX provided me with fake invoices and fraudulent payment instructions for what appeared to be XXXX XXXX XXXXXXXX XXXX XXXX XXXX services. 

Believing the invoices were genuine, I wired {$30000.00} USD to an account under the name XXXX XXXX XXXX XXXX XXXX at Wells Fargo Bank. 

Transfer details : Bank Name : Wells Fargo NA Account Name : XXXX XXXX XXXX XXXX XXXX. 
Account Number : XXXX Routing Number ( ABA ) : XXXX SWIFT : XXXX Bank Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Transfer Date : XX/XX/year> Confirmation # : XXXX Federal Reference # : XXXX Amount : {$30000.00} USD After discovering the fraud, I immediately filed a dispute with my bank and submitted a detailed complaint to XXXX through their Billing and Fraud Investigation channel. I also opened a formal case on XX/XX/year>, through my AWS Support account ( ID : XXXX ) and provided all supporting documents, including the wire receipt, communication history, and fraudulent invoice copies. 

Despite repeated follow-ups, AWS continues to hold the misdirected funds and has not issued a refund or meaningful update. Their responses have been limited to generic messages such as we are reviewing the case with no action taken.

Importantly, Wells Fargo is the receiving bank that continues to hold these funds in the AWS account, even after formal notice of fraud has been provided. Given the circumstances, both AWS and Wells Fargo are now in possession of funds obtained through deception and have taken no effective steps to investigate or return them. 

This raises serious concerns regarding both entities ' compliance with their obligations under fraud prevention and anti-money laundering ( AML ) regulations, especially after being fully notified with clear documentation.

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 2025-06-24 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: FL

Complaint narrative:
FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove 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 a few Personal credit card accounts. ACCOUNT NAME : XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX  DATE OPENED : XX/XX/XXXX These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: IN

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation