vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

DEPTEDXXXX XXXX XXXX  - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX  XXXX  # XXXX - Date Opened XX/XX/XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2025-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally XXXX  down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
The due date of my credit card is XXXX of each month. In XXXX i paid my account on XX/XX/XXXX as the due date and same as XXXX, the only difference is in XXXX 's due date is a federal XXXX  ( XXXX XXXX ) and pay it as normal. The payment was not posted by US Bank until XXXX and charged me {$30.00} late payment fee in which i thought was outrageous. When i called the customer service rep i was told that i did not pay the account on the due date which is not true but posted it 2 days later so i can be accessed a late fee.

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 monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to express my ongoing concern regarding the unresolved disputed accounts appearing on my credit report. Despite submitting multiple requests and highlighting the inaccuracies in these accounts, no resolution or corrective action has been taken to date. These inaccurate entries are severely impacting my credit standing and creating significant challenges in my daily life. The continued presence of these errors has caused undue hardship, and I am now urging your immediate assistance in resolving this matter. I respectfully request a full and thorough investigation into each disputed account, and that appropriate steps be taken to correct and update my credit report without further delay. 
Accurate reporting is essential to restoring my financial stability, and I sincerely hope you will treat this issue as a priority. Your prompt attention and cooperation in resolving these discrepancies would be greatly appreciated. Thank you for your time and support.

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 2025-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XXXX XXXX sent me a notice dated XX/XX/year>2025 stating an alleged debt. I answered via Certified mail on XX/XX/year>2025 that I dispute the debt and asked for full and proper validation under the FDCP Act. I was sent generic account information and no signed contract or chain of custody or breakdown of fees, etc. 

I then received a letter from JP Morgan Chase Bank , N.A . requesting I send them my social security number, etc. I responded with a letter on XX/XX/scrub> 2025 stating I dispute the alleged debt and request full and proper validation. Despite my timely disputes, I noticed on XX/XX/scrub> 2025 that a lawsuit has been filed. I never received full and proper validation and they decided to pursue litigation. 

I believe filing a lawsuit without first validating the debt violates the FDCPA and represents abusive and deceptive debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have no connection to this accountit shouldnt be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NJ

Complaint narrative:
COMPANY CONTACTED BE ABOUT AN ACCOUNT THAT WAS NEVER OPEN. I ASKED FOR THEM TO VERIFY THIS DEBT THEY WERE UNABLE TO DO SO. IM ASKING THAT THIS IS REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
My boyfriend has been receiving threatening and harassing phone calls from People that claim to be managers and legal department at this debt collection agency. He told them we were not married but they insisted he could be held financially liable for these debts. He even offered to make a settlement agreement in order to avoid a lawsuit but they kept insisting we pay the full amount or suit would be filed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a request to transunion yesterday to update my personal information as well as I requested a 1099-a for the accounts that were charged off. They responded the next day showing that this dispute was completed. No action was taken on any of my request. This is my third time requesting that this information be updated.

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
I paid my vehicle off through Santander USA on XX/XX/XXXX, {$24000.00} and today is XX/XX/XXXX and it still not showing on my credit record. They are not reporting good standards but if I was falling behind on payments they would report it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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.

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Dear CFPB, I am submitting this complaint regarding ongoing overdraft fees charged by Chase Bank, which have been significantly impacting my financial situation. 

Since around XX/XX/year>, I have been experiencing financial hardship. I even contacted Chase 's credit card customer service line in XXXX to discuss setting up a hardship plan. I was told at the time that notes were made on my account regarding my situation Chase should be able to verify this. 

Despite this, my Chase checking account has continued to incur multiple overdraft fees averaging 4 per month, which has totaled over {$700.00} in overdraft fees in recent months alone. These fees have become a recurring cycle : once my account is overdrawn, even very small transactions ( like {$11.00} ) are processed, and a {$34.00} overdraft fee is still charged each time. This creates a chain reaction that makes recovery nearly impossible. 

I recently contacted Chase and spoke with a representative requesting some relief. They informed me that the system only allows 2 overdraft refunds, and that I have already received the maximum allowed. When I asked if a manager could manually override the system or escalate the request, I was told no even though the total fees charged are substantial and connected to my previously reported financial hardship.

To be clear, I am not asking for a full refund of 12 months of fees. Im simply requesting that Chase review the last few months in light of my financial hardship and the compounded nature of these fees. 

I believe this situation is unfair and inconsistent with reasonable banking practices, especially since Chase had prior knowledge of my hardship. 

Thank you for reviewing my complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-02 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: NY

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
XX/XX/XXXX I traded in my XXXX XXXX XXXX to XXXX XXXX for a XXXX XXXX XXXX. XXXX XXXX took care of all the business they paid the car off which was {$2100.00}. I called them. They said that they took care of everything before XXXX XXXX so I wouldnt be charged a card note for XX/XX/XXXX. I checked my bank account this morning XX/XX/XXXX and low and behold, they deducted a car note from my bank account. The car was paid off two weeks ago from XXXX XXXX. I called the Car company BMW financial Services explained to them they told me even though the car was paid off they still have a right to receive my payment of {$340.00} because it was a day before something which I know it was a darn lie. Car was paid off two weeks ago and they refused to give me a refund of {$340.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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 2025-10-02 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 advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 

ACCOUNTS : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1900.00} XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$580.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1900.00} INQUIRIES : XXXX 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 2025-10-02 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: OH

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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