vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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: NV

Complaint narrative:
I am filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit XXXX to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent. 
XXXX XXXX XXXX XXXXXXXX XXXX, NV, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NV, XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXXXXXX XX/XX/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 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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my 1st attempt to address the ongoing issue. Despite several requests, EQUIFAX has repeatedly denied me access to my personal credit report. They have refused to provide any information regarding my credit history. Attached are the supporting documents, which include a copy of the letter I sent to the credit bureau, as well as copies of my personal identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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 2025-06-23 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: MA

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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
My credit report is showing delinquent for a student loan. I reached out to Aidvantage XXXX XXXX XXXX and I was advised that I was not in delinquent status as of yet, and I would still be able to receive another loan to continue going to school, but my credit report is showing otherwise and it pulled down my XXXX XXXX about XXXX points. I would really need for this to be corrected because XXXX currently trying to work on my credit to get it to a certain score that would allow me purchasing a vehicle. Please Help with removing this..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/XXXX XXXX I had a call to my cell phone from Chase as the caller ID showed on my screen. The caller introduced himself as a chase manager trying to confirm a XXXX transaction in which a big sum of my money was being sent to Somebody name XXXX something. I told him that I am not sending money to such a person, so in order to verify my Identity I was transferred many times to many so called chase managers and in the mean time by keeping my on the phone, emptied both my checking and saving accounts.

One transaction was a XXXX  transaction through XXXX and the other for {$1500.00} through wire transfer. Although I consider myself an XXXX  ( XXXX XXXX XXXX ) who was abused by fraudsters who spoofed the Chase bank phone number and impersonated as Chase managers, Chase denied my claim and appeal stating that I myself had authorized the transactions. They denied my claim for XXXX Fraud and hasn't made any decision about the wire transfer.

They have given me a temporary refund for the Fraud wire transfer but I can't touch the money as they might deny my claim again. I am a retired elder who is still working full time to make ends meet and have borrowed to pay my rent and credit card payments waiting for Chase to make their decision since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: NY

Complaint narrative:
I am writing in anticipation of a possible late payment being reported by XXXX XXXX XXXX XXXX regarding my account. At this moment, the late payment has not yet appeared on my credit report, but we were informed by XXXX XXXX that they have submitted the report. 

This late payment was caused by exceptional circumstances. My wife and I, both co-signers on the loan, were out of the country for work in XXXX and were unable to access our XXXX XXXX online account. The platform had removed our ability to make payments remotely, and we were unable to reach customer service while abroad. 

As soon as we returned to the XXXX XXXX days after the due datewe tried to resolve the matter and pay the overdue amount. Unfortunately, we could not complete the payment immediately due to customer service limitations, but were finally able to pay both the past due and the upcoming monthly amount on the XXXX day past due. Since then, our account is back in good standing. 

We respectfully and humbly ask that you consider not posting this late payment on our credit report. We have always taken our financial obligations seriously and have maintained a strong payment history. This situation was not a result of negligence, but rather of restricted access and communication limitations due to travel. 

We are currently in the process of purchasing a home, and we are doing everything we can to maintain clean credit. We truly hope this isolated event does not negatively impact our credit standing and respectfully request your understanding and support in preventing this from appearing on our report. 

Thank you for your time and consideration. Please let us know if you need any further details or supporting information. 

My wife is : XXXX XXXX XXXX XXXX XXXX Social security : XXXXXXXX XXXX XXXXXX/XX/year> Last payment confirmation code at 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 2025-06-23 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: NY

Complaint narrative:
I am writing in anticipation of a possible late payment being reported by XXXX XXXX XXXX XXXX regarding my account. At this moment, the late payment has not yet appeared on my credit report, but we were informed by XXXX XXXX that they have submitted the report. 

This late payment was caused by exceptional circumstances. My wife and I, both co-signers on the loan, were out of the country for work in XXXX and were unable to access our XXXX XXXX online account. The platform had removed our ability to make payments remotely, and we were unable to reach customer service while abroad. 

As soon as we returned to the XXXX XXXX days after the due datewe tried to resolve the matter and pay the overdue amount. Unfortunately, we could not complete the payment immediately due to customer service limitations, but were finally able to pay both the past due and the upcoming monthly amount on the XXXX day past due. Since then, our account is back in good standing. 

We respectfully and humbly ask that you consider not posting this late payment on our credit report. We have always taken our financial obligations seriously and have maintained a strong payment history. This situation was not a result of negligence, but rather of restricted access and communication limitations due to travel. 

We are currently in the process of purchasing a home, and we are doing everything we can to maintain clean credit. We truly hope this isolated event does not negatively impact our credit standing and respectfully request your understanding and support in preventing this from appearing on our report. 

Thank you for your time and consideration. Please let us know if you need any further details or supporting information. 

My wife is : XXXX XXXX XXXX XXXX XXXX Social security : XXXXXXXX XXXX XXXXXX/XX/year> Last payment confirmation code at XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: PR

Complaint narrative:
I am requesting the deletion of the XXXX XXXX XXXXXXXX account XXXX by TransUnion. The account contains multiple errors : the payment history shows incorrect delinquencies, the Paid status is vague, and the closing and activity dates do not match the other bureaus. Additionally, key comments like closed by consumer or paid in full are missing. This incomplete and conflicting information violates the FCRA. I demand its immediate removal.

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX  acct # XXXX it shows open date of XX/XX/XXXX last payment XX/XX/XXXX balance {$12000.00} orig credit limit {$25000.00} account charge off. There is also another XXXX XXXX XXXX acct which is the same account as the one I listed which is a charge off which states it was open XX/XX/XXXX, last payment XX/XX/XXXX paid never late. This is the same account, I only have one credit card account with XXXXXXXX XXXX for {$25000.00}. I have tried to reach out to the credit bureau to investigate and update my credit report and after one day they replied that the information is 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 2025-06-23 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: NY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX acct # XXXX it shows open date of XX/XX/XXXX last payment XX/XX/XXXX balance {$12000.00} orig credit limit {$25000.00} account charge off. There is also another XXXX XXXX XXXX acct which is the same account as the one I listed which is a charge off which states it was open XX/XX/XXXX, last payment XX/XX/XXXX paid never late. This is the same account, I only have one credit card account with XXXX XXXX  for {$25000.00}. I have tried to reach out to the credit bureau to investigate and update my credit report and after one day they replied that the information is 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 non-monetary relief
Consumer complaint received 2025-06-23 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: CA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX ( Experian, XXXX XXXX XXXX  XXXX Account Number : XXXX Derogatory Date open : XX/XX/XXXX XXXX  ( Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Derogatory Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection/Chargeoff Date open : XX/XX/XXXX XXXX XXXX ( Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Derogatory Date open : XX/XX/XXXX XXXX XXXX ( Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection/Chargeoff Date open : XX/XX/XXXXXXXX XXXX XXXX  ( Experian & XXXX  ) XXXX XXXX XXXX XXXX XXXX Collection/Chargeoff Date open : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX open : XX/XX/XXXXXXXX XXXX XXXX ( Experian & XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Collection/Chargeoff date opened XXXX XX/XX/XXXX XXXX XXXX XXXX  Experian & XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX Collection/Chargeoff Date opened : XX/XX/XXXX XXXX XXXX  ( Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection/Chargeoff Date open : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection/Chargeoff Date open : XX/XX/XXXX XXXX XXXX XXXX ( Experian & XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Collection/Chargeoff Date opened : XX/XX/XXXX XXXX XXXX XXXX Experian ) XXXXXXXX XXXX XXXX XXXX XXXX Collection/Chargeoff Date open : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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:
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 non-monetary relief
Consumer complaint received 2025-06-23 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: CA

Complaint narrative:
On numerous times I've delivered a FTC identity theft affidavit, passport card and named the fraudulent account : XXXX XXXX XXXX, the account was removed and reinserted four ( 4 ) times in one month without proper notification. I the consumer noticed there was fraud and its now considered harassment. Under FCRA 605B the account shouldn't be reinserted once valid documentation and a passport card was provided and the account was again reinserted. This violation is now a monetary one that's value of : {$4000.00} for willful neglect and harassment via reinserting a fraudulent account after it's disputed and not abiding by the FCRA procedures. My identity theft documents aren't being honored and my credit is now being hindered due to the harassment being imposed

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 2025-06-23 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX TransUnion

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 2025-06-23 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: NC

Complaint narrative:
I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over 30 days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving Equifax, Experian, and Transunion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over 30 days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving Equifax, Experian, and Transunion.

Company response to consumer: Closed with non-monetary relief