vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: NY

Complaint narrative:
These following companies are in violation of the FCRA. XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. These companies are inaccurately updating accounts monthly that has been deemed a profit loss, due to the remarks that they placed on my credit report. Not only has it been deemed profit loss but I also know that it has been reported to the IRS. So updating it monthly and reporting it to the IRS is against the law. This is a violation of the FCRA according to 15 USC 1681 S-2 and 15 USC 1681 EB

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
These following companies are in violation of the FCRA. XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. These companies are inaccurately updating accounts monthly that has been deemed a profit loss, due to the remarks that they placed on my credit report. Not only has it been deemed profit loss but I also know that it has been reported to the IRS. So updating it monthly and reporting it to the IRS is against the law. This is a violation of the FCRA according to 15 USC 1681 S-2 and 15 USC 1681 EB

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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:
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 consen

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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:
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 consen

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit
State: MD

Complaint narrative:
VW Credit has knowingly and continuously reported inaccurate information on my credit profile in violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681s-2, which prohibits furnishing inaccurate or outdated information. The account in question was charged off and the debt was sold to third-party debt buyers. Despite this, VW Credit has reported the account as past due every month since approximately XX/XX/year>, which is factually incorrect. 

This account has not been in VW Credits legal ownership or collection responsibility for over 2 years, as they have already written off the debt and sold it to multiple debt management companies, which I have documented. Yet they continue to report a monthly delinquency status, falsely inflating the balance owed and harming my creditworthiness.

Their actions have directly contributed to several denials, including at least three auto loans and multiple housing applications. I have also raised this issue via BBB, to which VW Credit responded but refused to correct the reporting. The continued furnishing of knowingly inaccurate data not only violates federal law but has caused measurable financial and reputational harm. 

I intend to pursue compensation for damages caused by this extended period of inaccurate reporting. Based on 28 months of false credit data being reported, the estimated damages fall of $ XXXX just calculating the months inaccurately reporting, not including pain and suffering, denied opportunities, or litigation costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: NJ

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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:
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 non-monetary relief
Consumer complaint received 2025-05-30 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: TN

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: GA

Complaint narrative:
I HAVE FOUND UNAUTHORIZED AND FRAUDULENT INQUIRIES ON MY CREDIT REPORT DUE THE SEVERAL DATA BREACHES I HAVE BEEN IN. I NEED THEM REMOVED ASAP AS THIS IS A VIOLATION OF MY CONSUMER RIGHT PER FAIR CREDIT REPORTING ACT LAW. THIS IS NEGLECT AND NOT PROMOTING PRIVACY AND ACCURACY PLEASE REMOVE THESE INQURIES

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio recoveries appeared on my credit report and then I received a letter in the mail that they were suing me went to court XXXX XXXX in XXXX XXXXXXXX XXXX XXXX The case was dismissed. The attorney for them stated that it would be removed off my credit report. It has been XXXX  months and it still has not been removed. I contacted the credit bureaus ask them to remove it off of my account and I didn't get a final investigation or a final whatever but they have not removed it they did not send me any documentation for anything and it is still on my credit report which has dropped my credit score about XXXX points

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the 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
Consumer complaint received 2025-05-30 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am sending this complaint to Experian regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed. 

I request that these accounts be completely removed from my credit report. Please take immediate action to delete it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
this account with XXXX was paid in full the company has reported on my credit report as a collection and has caused me financial harm because my XXXX XXXX has dropped XXXX points and has damaged my financial record that impacts my ability to get employment, since i'm employed in the financial industry I have to have good credit. This was an absolute violation of my consumer rights the account was originally with XXXX  insurance for a auto policy that was cancelled. the company is called XXXX XXXX XXXX they sent me a text saying I owed a balance of {$130.00}, I tried to respond to the text and my phone identified it as XXXX. I XXXX  the company and there was a high alert for a credit control services scam, so I wasn't sure if it was legit. Nonetheless I paid the debt directly to XXXX  to be safe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I received a credit card offer from XXXX. The instructions were to 1. Enter the acceptance code, 2. Complete application online and get an instant credit decision, and 3. Review and accept the offer.

I entered the information, and then I got welcome screen and set up account. I then got an alert from Experian that a hard pull was generated from XXXX. I never got a review NOR did I accept any offers. I tried to contact Experian and they don't do complaints on inquiries. I tried calling multiple times and the XXXX XXXX doesn't do anything. There is no email contact. Very poor service. 

This hard inquiry needs to come off. I called XXXX and the account was closed within 1 hour. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On XXXX XXXX XXXX I visited the Chase branch at XXXX XXXX XXXX, XXXX, CT and wired {$250000.00} to what I believed were escrow instructions provided by my real estate attorney. The instructions were sent to me via his legitimate email address, as part of an ongoing closing-related thread. Unbeknownst to me at the time, his email had been compromised, and a fraudster inserted themselves into our conversation and provided fraudulent wire details. 

I completed the wire in person with a Chase representative, believing the instructions were legitimate. On XXXX XXXX XXXX, my attorney contacted me to confirm the funds were never received, and he verbally confirmed that his email account had been breached. 

I immediately reported the fraud to Chase, filed an IC3.gov complaint, and contacted local law enforcement. I also requested that Chase initiate a fraud investigation and wire recall. To date, I have not received any confirmation that action was taken to freeze or recover the funds. 

I am seeking assistance from Chase in investigating this fraud and doing everything possible to attempt recovery of the wire.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
We are now 14 months into this dispute, regarding Synchrony 's claim that they have mistakenly issued a credit of {$3000.00} to our XXXX 's XXXX account -- most recently assigning that amount to the credit card ending in... XXXX. Please note that Synchrony Bank has never explained the " money trail '' that has resulted in their allegation that they have issued an unwarranted credit of {$3000.00}. That " XXXX XXXX '' starts with the credit card ending in... XXXX ( = original charge of {$3000.00} ), which was replaced by credit card ending in... XXXX ( = which shows payment of {$3000.00} ; NOTE : the XX/XX/XXXX statement from Synchrony Bank : " The payment in question [ {$3000.00} ] has not been credited to your account. '' ) End of Story? Not so! Synchrony Bank inexplicitly continued the " money trail '' through the following three ( 3 ) accounts that ended in ... XXXX, ... XXXX, and ... XXXX! Since the alleged erroneous credit of {$3000.00} had FINALLY landed in our current XXXX 's XXXX XXXX account, ending in ... XXXX, I thought that there might be hope that Synchrony Bank would be able to understand their mistake and so, I called their Customer Service Department yesterday ( XX/XX/XXXX ) and spoke with XXXX who HUNG UP ON ME! Go ahead and check your phone recording -- I dare you! Unprofessional! Unwarranted! The hang up occurred when I tried to move the discussion from account... XXXX to... XXXX. ( XX/XX/XXXX letter from Synchrony Bank, regarding account ending in ... XXXX : " The payment of {$3000.00} received XX/XX/XXXX that had been missing from your account has now been corrected. '' ) And, perhaps that is part of Synchrony Bank 's problem : having problem solvers who are unfamiliar with the problem since every time I contact or call Synchrony Bank, I am dealing with a different person who only wants to focus on the present situation with no interest in the past which has led us to the present -- not great research, I might add. The issue existing in account ... XXXX does NOT EXIST IN A VACUUM. HUNG UP! Really?

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