vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 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: IL

Complaint narrative:
-Unauthorized Credit Inquiries on TransUnion Report Despite Fraud Alert I am submitting this complaint regarding unauthorized hard inquiries on my TransUnion credit report from * * XXXX XXXX XXXX XXXX XXXX NFCU ) * *, XXXX  XXXX which I did not authorize. My report has an active fraud alert dated XX/XX/XXXX, yet these inquiries continue to appear, indicating a failure in fraud prevention measures. 

XXXX. No Authorization Given I did not apply for credit with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( NFCU ), nor do I have an account with them. 

XXXX. Ineligible for XXXX Membership I am * * not a service member, XXXX employee, or eligible for XXXX membership * *, making these inquiries highly suspicious.

3. Fraud Alert Ignored Despite placing a fraud alert with TransUnion on XX/XX/XXXX, unauthorized parties are still able to access my credit file. 

XXXX. * * Potential Identity Theft * * These inquiries suggest possible fraud, and TransUnion has failed to block them despite the fraud alert. ( XXXX XXXX ) ( XXXX  XXXX ) Supporting Documentation - Fraud alert confirmation, Driver 's License for identity verification, FTC Report Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX IL XXXX " I expect prompt action to correct this issue. ''

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 2025-06-08 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: TN

Complaint narrative:
I am filing a formal complaint as a victim of identity theft. I have attached my FTC Identity Theft Report ( # XXXX ) and supporting documentation. 

After reviewing my credit reports, I discovered multiple unauthorized hard inquiries and fraudulent or derogatory accounts that I did not apply for, authorize, or initiate. These accounts and inquiries are harming my credit, and I have no business relationship with many of the companies listed. 

Specifically, there are inquiries from creditors such as XXXX  XXXX, XXXX, XXXX  XXXX, and XXXX XXXX on XXXX separate dates each. These appear on Experian, Equifax, and TransUnion, without my knowledge or consent. 

Additionally, several collections and charge-off accounts are reporting inaccurately under my name. I did not open these accounts, nor did I authorize their reporting : XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX {$580.00} XXXX XXXX  {$360.00} XXXX XXXX XXXX  {$500.00} XXXX XXXXXXXX ( 2019 ) charge-off with {$0.00} balance XXXX XXXX XXXX  marked as collection despite {$0.00} balance XXXX XXXX marked 60 days late despite being paid These items are being reported in violation of the Fair Credit Reporting Act ( FCRA ) and FACTA, specifically : 1681b Permissible purpose for inquiries 1681s-2 ( a ) ( 1 ) ( A ) Accurate reporting by furnishers 1681i Duty to reinvestigate disputed items 605B Obligation to block identity theft-related items I am requesting a full investigation by the credit bureaus and any creditors listed. If no signed authorization or valid documentation can be provided, I request the immediate removal of these items. 

Thank you for your assistance in correcting these errors and protecting my identity.

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 2025-06-08 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Experian ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 
I am filing this FTC Identity Theft Affidavit to report fraudulent account ( XXXX ) appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX on XX/XX/year> under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX  ( 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 demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-06-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
Chime I had unauthorized usage on my account and they even text me to ask me was it mean I told him no and no money was supposed to take it off my card but it was still taking off and I have been waiting and I haven't heard absolutely nothing at all from chime to let me know what's going on with the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX Charge for XXXX on XX/XX/XXXX. 
XXXX on computer does not work and asks to subscribe. 
XXXX to locate account info and was told I do not have an account. Provided Card number to help locate account and was told to dispute charge with Capital one Called Capital One and disputed charge and provided credit on XX/XX/XXXX. 
Credit Reversed on XX/XX/XXXX. No info provided in application and no mail received as of XX/XX/XXXX. 

Attempted to resolve again with XXXX but unable to actually speak to a human can't access online help without and account which I don't have. 
Attempted to find help in Capital One app and was told to sign into website. 

These companies make it extremely easy to take your money but provide no support in resolving issues or refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally report that I have been a victim of identity theft, which has significantly affected the accuracy and integrity of my credit report. The items I need deleted are listed in the report. I did not make these charges and I ask the that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity theft Affidavit. Please remove the items as soon as possible.

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 2025-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The J. G. Wentworth Company
State: MA

Complaint narrative:
Good afternoon. I started a debt collection program with JG wentworth in XXXX and called back on XX/XX/XXXX to cancel the program as they will not be able to give me any solution soon and I do not have the money to continue paying so before any settlement has been done I called to cancel my account, on XX/XX/XXXX. They stated it was done and that the funds accumulated would be returned to me by XXXX XX/XX/XXXX. As I logged in to my account today I could see it is still active and they keep charging their monthly fees and collecting it from my funds even though the account was cancelled. I would like to be helped with the refund of my collected funds. Please let me know what else can I do. I have called numerous times and no solution has been given to me by them. I have recorded calls, emails. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to formally report that I have been a victim of identity theft, which has significantly affected the accuracy and integrity of my credit report. The items I need deleted are listed in the report. I did not make these charges and I ask the that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity theft Affidavit. Please remove the items as soon as possible.

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 2025-06-08 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: PA

Complaint narrative:
I am writing to formally report that I have been a victim of identity theft, which has significantly affected the accuracy and integrity of my credit report. The items I need deleted are listed in the report. I did not make these charges and I ask the that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity theft Affidavit. Please remove the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I didnt give these company permission to run my credit I would like it to remove from my credit report please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I was charged {$140.00} from XXXX for a free consultation. That same day at XXXX they charged my card {$140.00} for a prescription I didnt authorize. Wells Fargo only gave me {$15.00} back from my claim and still owes me {$130.00}.

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 2025-06-08 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: CT

Complaint narrative:
Inquiries on my Transunion and equifax that did not have my permission to have put on my credit report, the information needs to be removed and i have also put a freeze on my file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
I received a call from an XXXX promising to give me a loan. He asked for access to my chase account, which I gave, and he reversed previous I believe Social Security Payments in order to pay insurance on the loan. When XXXX found out, they closed my account. 

A separate Time, I fell for a gift card scam Through CashApp. Cash App closed my account. 

I've had an instance where I lost a XXXX  Account, and another instance where I lost a Cash App where after there was money in the account, either the account was closed, or associated with an XXXX account, where I wither had my phone stolen or lost, and XXXX wouldn't help me recover the account. Or I take my phone into a phone store, they tell me they won't delete my phone to upgrade, but they do and my financial accounts are not recoverable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Ive already paid my mortgage in full, its been more than XXXX days since the mortgage was paid, you still havent updated the credit bureaus that the mortgage was paid in full, Im checking my credit bureaus every day and you havent updated that, I am very disappointed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: OH

Complaint narrative:
To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Late Payment Reporting XXXX XXXX Account Re : FCRA Violations XXXX XXXX. XXXX, XXXX, and XXXX ( b ) Dear TransUnion and Experian, I am writing to formally dispute the inaccurate late payment reporting associated with my XXXX XXXX account, originally opened on XX/XX/XXXX, and closed on XX/XX/XXXX, with a {$0.00} balance. According to the payment records and history I maintain, all payments were made on time, and your reporting of delinquencies is inaccurate, misleading, and harmful to my credit profile. 

Account Details : Creditor Name : XXXX XXXX XXXX XXXX : {$8500.00} Opened : XX/XX/XXXX Closed : XX/XX/XXXX Reported Balance : {$0.00} Disputed Late Payments : Please update the following reported late payments to Paid on Time as they are inaccurate : XXXX : XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX : XXXX, XXXX, XXXX, XXXX These notations falsely imply a pattern of non-payment, which is not accurate. I maintained my payments on time and fulfilled all obligations associated with this account. Your records falsely reflect only XXXX XXXX on-time payments, which conflicts with the factual and verifiable payment history. 

Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), I am exercising my rights under the following sections : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Requires that you conduct a reinvestigation of disputed information.

15 U.S.C. 1681s-2 ( a ) : Mandates furnishers to avoid reporting inaccurate information and to promptly correct any errors.

15 U.S.C. 1681e ( b ) : Obligates you to maintain procedures to ensure the maximum possible accuracy of consumer information.

You are hereby requested to : 1. Immediately investigate this matter ; 2. Correct the XXXX XXXX payment history to reflect all payments as on time ; XXXX. Provide a copy of the updated credit report upon completion of the investigation ; XXXX. Disclose the method of verification and name of the furnisher that confirmed the inaccurate data. 

Failure to resolve this matter may result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential civil litigation under 15 U.S.C. 1681n & 1681o for damages resulting from negligent or willful noncompliance.

Thank you for your prompt attention to this urgent legal matter. 

Sincerely, XXXX XXXX XXXX Without Prejudice

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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kovo
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

The account information being reported on all three of my credit reports with ( XXXX XXXX XXXX  ) are incorrect and inaccurate. I have disputed several times in the past without any of these accounts getting resolved correctly. The information being reported to each of the consumer reporting agencies are not the same, thus being inaccurate and incorrect.

I am requesting that account validation and investigative method be sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: NV

Complaint narrative:
I am filing a complaint regarding a previously removed account that has been reinserted into my credit report without the legally required notice. 

Under the Fair Credit Reporting Act ( FCRA ), the credit bureau is required to notify me within 5 business days if a deleted account is reinserted. I did not receive any such notice, and the account was added back without explanation or proper verification.

This is a clear violation of my rights under the FCRA. I am requesting that the CFPB investigate this matter, and that the account be removed again until proper procedures are followed, including full verification and timely notice of reinsertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC
State: AL

Complaint narrative:
I am writing to formally dispute information on my consumer report maintained by Early Warning Services. I recently learned of a negative record on my file related to a XXXXXXXX XXXX account closed in 2020, allegedly due to fraudulent activity. 
I believe this information is inaccurate or misrepresented. I was not made aware of any formal investigation results or given an opportunity to contest the claims made by XXXXXXXX XXXX  at the time. I respectfully request a full reinvestigation into this matter, as it is currently impacting my ability to open new bank accounts. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or incomplete information on my consumer report. Please consider this letter my formal dispute and initiate a reinvestigation of the item in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I received a letter in XXXX stating my old employer XXXX XXXX, leaked a bunch of Social Security numbers from its database. Mine was XXXX. Ever since then I have had nothing but problems! Everything on my credit report even the inquiries. I didnt make anything since XX/XX/year>. So, anything after that is fraud! I have had all my socials hacked, XXXX, XXXX, and Now XXXX! My banks have disputed and blocked them all, hopefully. I dont know what to do about all this!? I have no clue who or what to press charges against?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
There is an old collection that has been closed and has been on my credit for over seven years. Ive requested for them to remove the close account and they keep saying that its verified.

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 2025-06-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica
State: MD

Complaint narrative:
Ive been trying to get into my direct express account for a month now after my card was stolen they closed my card out and cancelled my account nobody had been helping they keep asking for my id then denying it.. I have funds sitting in my direct express account and they are not helping me with it Ive even sent my social and birth certificate to their email and they are worried about my id.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Bank account was hacked, even though it was not my fault, I ended up paying {$3700.00} back to the bank. My account was supposed be closed on XX/XX/year> but was not. It seems everyone I speak to gives me different information about my account. I have paid the all money back by the bank keeping my checks. Now there is a balance of {$1100.00} that they will not refund to me indicating they have to wait until my account is closed when i ask when will that be and they reply they dont know in the meantime they are doing what ever they want to do in my bank account

Company response to consumer: Closed with explanation