vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 -- credit reporting agency, 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. 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!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : 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 have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 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 2025-08-21 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. 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!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : 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 have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: CA

Complaint narrative:
Disputed the debt with transunion and was approved. 1 ) they claim to be the original creditor but they are like the third or fourth to buy this debt. 2 ) I have never been contacted by any of them that my debt was sold and now I will owe that new company money. 3 ) when ever the debt is bought they put the current date which then make its seem like I opened a new account which automatically drops my score. ) they they continue to report it as if Im not paying it which continues to drop my score. Which for a while I was working super hard to repair my score but with this debt constantly being sold and coming up as my report as new no matter how hard I try to repair my credit its constantly dropping XXXX or more points. I have since just given up on repair. I did dispute this debt with transunion and was approved but nothing on my report has changed so that was almost pointless as well. They are called contract callers and the amount is for {$12000.00}. I hear that when they sell it they get to claim it as a loss and get tax credit or something like that so if they close it out should it be closed out and off my report yet Im getting penalized at least 4 times for the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by following company XXXX XXXX XXXX I did not authorize anyone employee by these companies to make any inquiries. This is a violation of the fair credit reporting act section 1681b ( c ) and a serious breach of my privacy rights

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 2025-08-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 2025-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
This is an ongoing situation presented to the CFPB now, in anticipation of Chase continuing to act in bad faith. 

On XX/XX/year>, Chase sent me a settlement offer letter through their secure portal offering to resolve my account for {$3700.00}. 

On XX/XX/year>, I issued a check for this amount directly from my bank ( XXXX XXXX and mailed it to the address specified. I do not have a physical checkbook with XXXX, so the check was issued through XXXX  system. The memo line read : XXXX XXXX XXXX, which is consistent with how Chase itself identifies this account in all of their correspondence. 

Despite receiving the check, Chase refused to process it. On XX/XX/year>, Chase sent me a secure message stating the payment was returned uncashed because the check did not list my full 16-digit account number or my name. However : The original settlement letter did not state that the full 16-digit account number was required. 

I had already explained in writing that the check was issued under my married name and that the memo line contained the account identifier Chase itself uses. 

On XX/XX/year>, I mailed Chase a traceability letter with supporting documentation proving the check was valid and matched to my account. 

The secure message from Chase sent on XX/XX/year>, stated they would still honor the settlement but only if payment was received by XX/XX/year>. This provided me with less than one business day to cancel the original check, wait for funds to return to my account ( which takes 13 days ), and reissue a new check. This deadline is unreasonable and directly caused by Chases refusal to process the original payment. 

I have an XXXXXXXX XXXX on file with Chase requiring that all communications be in writing due to a hearing XXXX. Chase acknowledged this on XX/XX/year> in writing. Nevertheless, the only options they continue to provide are ( XXXX ) to mail a check again, or ( XXXX ) to call them which I can not do under my XXXXXXXX XXXX 

Chase has all the information needed to apply the payment they already received. Their refusal to process it, coupled with the artificially short deadline, appears to be an attempt to force the account into default so they can pursue collections for the higher balance instead of honoring the agreed settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
I was contacted by Bank of America about a credit card that was opened in my name in XXXX XXXX This was absolutely not me! Here are the details they told me to report : Notified by BofA New York Branch Employee name : XXXX XXXX XXXX # XXXX Card # opened in my name : XXXX Exp XX/XX/XXXX Issued XX/XX/XXXX Applied for on XX/XX/XXXX Transaction date that has been declined was on XX/XX/XXXX. Amount of {$5700.00} Declined reason : purchasing multiple firearms without a legal license This is extremely worrisome for me. Please advise on what I should do next. My direct phone # is XXXX Thank you, 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 2025-08-21 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:
I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. 

Account name XXXXXXXX XXXX Account number XXXX Please remove the account from my report, it is hurting my ability to obtain credit

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 2025-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I respectfully request the removal of the following hard inquiries from my credit report : These inquiries were reported on my consumer file in violation of the Fair Credit Reporting Act ( FCRA ), Section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved an extension of credit to me, the consumer, nor did I authorize them. However, it appears that my information was used in connection with these inquiries without my consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Attached is my formal dispute, along with the fraud report I recently submitted to XXXX  for the second time. I trust this matter will now be addressed thoroughly and resolved in full.

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 2025-08-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing a complaint regarding multiple issues with Citibank , N.A . relating to undisclosed promotional terms, misleading practices, and denial of authorized account access. 

Complaint # 1 Promotional Savings Account Interest Misrepresentation I opened a savings account after being told by the branch manager I would receive a 4.35 % promotional interest rate on my entire account balance for the full three-month promotional period. I was led to believe this rate would apply to my entire balance for the entire three months without special restrictions.

For the first two months, I only received 2.0 % interest instead of the promised 4.35 %. 

In the third month, the correct 4.35 % rate was finally applied. 

After I complained, the bank offered to extend the promotional rate for one additional month. 

Later, I was told that I had reached an undisclosed {$11000.00} cap on total promotional interest earnings, after which no further interest would accrue. 

Problems with this promotion : Lack of Disclosure : The {$11000.00} interest cap was never disclosed when I opened the account. 

Misleading Rate Application : Because the first two months were underpaid, I reached the {$11000.00} cap later than I should have. If the correct rate had been applied from the start, I would have hit the cap sooner, realized no further interest would be paid, and moved my funds. 

False Extension Offer : The bank extended the promotional rate knowing I had already hit the cap, which provided no actual benefit and caused me to keep my funds in the account without earning interest. 

Failure to Deliver Promised Return : Due to the underpayment and undisclosed cap, I did not receive the full 4.35 % return as represented. 

Complaint # 2 Improper Denial of Authorized Account Access While I was out of the country, I asked my sonwho is a listed authorized signer on the accountto move the funds once the promotional period expired. When he went to the branch, the manager refused to allow the transfer, saying he could not move the money because I was out of the country. This was incorrect since he was an authorized signer with full rights to manage the account. 

As a result, the funds remained in the account at a low interest rate for an additional month until I returned, causing me to lose significant interest that could have been earned elsewhere.

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc.
State: IL

Complaint narrative:
Account is being reported the the original creditor and a collection company. They both keep changing the charge-off date as the current month. The account was on a payment plan with the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a documented victim of human trafficking and submitted a complete, legally compliant request to Experian under the Fair Credit Reporting Act 605C ( 15 U.S.C. 1681c-3 ) to block adverse credit information that resulted from my trafficking experience. 
In XXXX and XX/XX/year>, I submitted : My government-issued ID and proof of address A formal victim determination letter issued by a qualified entity A cover letter outlining the request A complete Schedule A detailing all adverse accounts and hard inquiries tied to the trafficking Previously suppressed item confirmation from Experian 's own reporting Despite having accepted a nearly identical prior request in XXXX Experian issued a new denial on XX/XX/year>, claiming it could not verify the adverse items listeddespite the fact that some of the same items were already suppressed in a previous review. This inconsistent behavior suggests a willful disregard for legal compliance and victim protections. 
The denial failed to mention or acknowledge my confirmed trafficking victim status in their system and offered no transparent process for appeal. This obstruction has prevented me from securing housing and credit, inflicted further emotional distress, and undermined my rights under 605C. 
I have since filed a second federal lawsuit ( XX/XX/year> ) as Experian continues to ignore statutory obligations and has imposed arbitrary standards that violate the intent and letter of the law.

I am asking the CFPB to investigate Experians pattern of noncompliance and compel them to immediately and permanently block the adverse items per 605C.

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 2025-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-08-21 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: FL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief