vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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 recently reviewed my credit report and noticed an account that was not reporting accurately, I had a few late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. 

SEE ATTACHED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: NY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XX/XX/XXXX, Chase closed my business credit card account ( ending in XXXX XXXX XXXX XXXX XXXX XXXX and locked my Ultimate Rewards account balances totaling XXXX points across multiple Chase accounts. I received no reasonable access period to redeem the rewards earned from prior spending. 

The closure notice cited too many requests for credit and account not used as intended, but when I requested specific adverse action details, including the credit factors used, Chase did not provide them. My XXXX  report shows no active derogatory items, only one old paid account from XXXX, and a good FICO score of XXXX. 

Since then, Chase has continued blocking my other Chase credit cards, preventing me from accessing or using them, even though no further explanation has been provided. This is impacting my ability to operate financially and redeem earned rewards. 

I have contacted Chase multiple times by phone and secure message requesting : Detailed explanation of the closure decision and the credit criteria used. 
Temporary account unlock or reinstatement to redeem my XXXX Ultimate Rewards points.

Immediate reinstatement or unblocking of my other Chase credit cards.

Chase has not provided this information and refuses to allow redemption of the rewards. I am requesting that Chase be required to : Provide a complete adverse action explanation ( including score and key factors used ).

Temporarily unlock or reinstate the accounts so I can redeem my XXXX points before forfeiture. 
Stop blocking my other Chase credit cards and restore normal access. 
I believe closing the accounts and continuing to block other cards without a redemption window for earned rewards is an unfair practice, and I request CFPB assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: FL

Complaint narrative:
To Whom It May Concern : I am submitting this complaint because there is an account on my credit report that is fraudulent and was opened without my knowledge, consent, or authorization. I am the victim of identity theft, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to request the immediate and permanent removal of this account.

The account in question is : Creditor/Company Name : XXXX XXXX XXXXXXXX Account Number ( Last 4 Digits ) : XXXX Type of Account : [ e.g., Collection, Charge-Off, Credit Card ] Balance Reported : {$1900.00} Reporting Bureau ( s ) : Equifax / Experian / TransUnion This account is not mine. I have never opened or benefited from it, and I am not legally responsible for any activity associated with it.

I have attached the following documents in support of my claim : Completed FTC Identity Theft Report ( per FCRA Section 605B ) Copy of my government-issued ID Proof of current address ( utility bill or lease ) Copy of my credit report highlighting the fraudulent account [ Optional ] Police report, if filed Under the Fair Credit Reporting Act, I am requesting this account be permanently blocked and removed for the following reasons : 15 U.S. Code 1681c-2 ( FCRA 605B ) Any information resulting from identity theft must be blocked from a consumer report within 4 business days after receiving an identity theft report and proper identification.

15 U.S. Code 1681s-2 ( a ) ( 6 ) Furnishers must not report information they know is the result of identity theft.

15 U.S. Code 1681e ( b ) Credit bureaus are required to maintain maximum possible accuracy in reporting.

15 U.S. Code 1681i Credit bureaus are required to investigate disputes and correct inaccurate or unverifiable information.

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 2025-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
My account was unexpectedly closed by my financial institution, and I was not provided with a clear explanation for this action. Despite my efforts to obtain more information from the bank, I have not received sufficient details to understand the reason behind the account closure. 

As a result of this situation, I have been listed in the ChexSystems database, which is now preventing me from opening a new bank account with other financial institutions. This has created significant challenges in managing my personal finances and conducting everyday transactions.

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 2025-08-14 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: AZ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-14 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: GA

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the following accounts reported on my TransUnion credit file. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ) and 1681e ( b ) ( Maximum Possible Accuracy ), I am requesting an immediate investigation and correction or deletion of these entries from my credit report. 
XXXX XXXX XXXX : Shows multiple late payments ; records are inaccurate and unverifiable under FCRA 15 U.S.C. 1681i. Request removal or correction. 
- XXXX : Closed account, no late payments-continued reporting harms credit score and violates FCRA 's maximum accuracy requirements. 
- XXXXXXXX XXXX XXXXXXXX ( Account No : XXXX ) : Charged-off account with unverifiable history. Requires validation or immediate deletion under FCRA. 
- XXXX : A Closed collection account with {$0.00} balance ; continued reporting is inaccurate and outdated. Please remove from the consumer credit reporting, it is inaccurate and outdated. 
XXXX XXXX : XXXX account currently appearing on my credit report. This account was opened fraudulently without my knowledge or consent and has never been used by me. I have no relationship with XXXX, nor have I ever authorized the creation of this account. Please remove from the consumer credit agency. 

Hard Inquiries Disputed : XXXX. XXXX XXXXXXXX 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 inquiries were not authorized by me and are in violation of FCRA XXXX ( a ), which strictly limits permissible purposes for obtaining a consumer report. I demand immediate deletion unless you can provide signed documentation explicitly authorizing these inquiries.

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 2025-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
Ive banked with 5th/3rd for almost 3 years and for the most part I didnt have any problems. Until like XXXX they gave me XXXX $ in overdraft fees they wouldnt reverse. They said I had to wait a few months before my limit reset and theres nothing I could do. Okay. Tuesday XX/XX/XXXX and I ended my account with XXXX and some change so I figured Id get a fee. But I had a transaction that when it posted would be lower and I also have another transaction being disputed so I assumed I would be okay and they would get rid of it. XX/XX/XXXX they gave me a XXXX $ overdraft fee and I called and they told me there was nothing they could do and Id have to wait to see if my disputed transaction gets approved then I would get the fee back. Today XX/XX/XXXX I got ANOTHER overdraft fee. The transaction that I first talked about finally posted and I ended up getting like XXXX $ back from that transaction. So Im currently XXXX in my account and Im only negative because of the XXXX XXXX $ overdraft fees. So I called and talked to my bank, and I would ask to speak to a supervisor. The first time I came off rude and the man supervisor came back off ruder. I asked to speak to somebody else he told me no, I asked to speak to his manager and after putting me on hold for 10 minutes he claimed nobody was available and they could talk to me in 3-4 days. So now Im even more upset. I continuously told him I didnt want to speak with him, hes to rude and I wan na talk to somebody else and he kept telling me no. Mind you I also got another notice today saying if I dont bring my account to a positive theyre going to give me another fee!!! When Im only in the negative right now because of the fees theyre giving me. So I hung up and called back and I ended up talking to him again!!! This time I didnt know it was him and I came softer and nicer, and he just kept tryna talk over me, being rude, and made me even more mad. I ended up leaving his manager a message but overall Im done doing business with 5th/3rd. Ive brought in thousands into that account just for them to treat me like this. Ive reached my courtesy fee limit but its no longer a courtesy when I clearly have enough money in my account and Im only negative from the fees they keep trying to give me. At the moment I am unemployed and have no income so I dont even know when Id be able to get my account back in the positive but when I do I will be closing my account and I will be finding another bank to bank with because this is ridiculous and its make my life harder then what it already is. Do not do business with 5th/3rd, your better off find a better bank that puts the customer first and you dont have to deal with what Im going through.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: MS

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I have disputed w the credit bureau and nothing has been changed Comenity Bank which XXXX XXXX XXXX and XXXX XXXX accounts were with I have paid them off and will attach paperwork

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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 recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no XXXX  party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and 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 2025-08-14 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:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: FL

Complaint narrative:
Unauthorized access to my credit report by multiple companies has caused direct and measurable harm to my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honoredthese inquiries remain on my report. This ongoing inaction is unacceptable. The continued presence of these potentially fraudulent entries is a serious breach, strongly indicating possible identity theft, and is causing ongoing emotional and financial harm.

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 2025-08-14 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: MD

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 MD XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/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 2025-08-14 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: OH

Complaint narrative:
I'm writing to dispute inaccurate late payment notations being reported on my credit file for an account that, to my knowledge and records, has been paid as agreed and never late.

I want to be very clear here : I am requesting validation of these reported late payments, because as someone who monitors their credit closely and makes every effort to pay on time, this came as a complete surprise. If youre going to report something as serious and damaging as a late payment, it better be backed by clear, verifiable, and accurate documentation not vague data or automated reporting errors.

Under the Fair Credit Reporting Act ( FCRA ), you are required to report information that is 100 % accurate, complete, and not misleading. Reporting a consumer as late when they have not been late is defamatory, unfairly lowers credit scores, and can create real harm from higher interest rates to declined applications. I am not going to tolerate that on my record, especially when its 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
Consumer complaint received 2025-08-14 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5200.00} 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 case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation