vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am submitting to formally dispute inaccurate late payment reported on my credit file. While reviewing my credit report, I discovered that a closed account reflects late payments that I believe are inaccurate. I am requesting your prompt investigation and correction under the Fair Credit Reporting Act ( FCRA ). 
The account in question is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported XXXX late payments from XX/XX/year> through XX/XX/scrub>XXXX XXXX XXXX XXXX Under FCRA 611 ( 15 U.S.C 1681i ), I have the right to dispute inaccurate information, and you are required to conduct a reasonable reinvestigation. Under FCRA 623 ( a ) ( 2 ), furnishers have the duty to correct and update inaccurate information, and under FCRA 623 ( b ), they must investigate and verify disputed data. The Congressional Findings and Purpose ( 602 ) emphasize that credit reporting must be fair, accurate, and maintain the integrity of consumer information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am submitting this statement to formally report Equifax XXXX continued noncompliance with the Fair Credit Reporting Act ( FCRA ) despite multiple written disputes and the submission of a valid FTC Identity Theft Report with supporting documentation. Despite my repeated requests on XXXX XXXX, 2025, Experian has failed to remove or block the fraudulent XXXX XXXX XXXXXXXX XXXX.... that were opened as a result of identity theft. This inaction constitutes clear violations of FCRA 1681i ( a ) ( 1 ), 1681c-2 ( a ), and 1681i ( a ) ( 5 ) for failing to conduct a reasonable reinvestigation, refusing to block identity theftrelated information, and continuing to report inaccurate data. I have provided Equifax with all the necessary identification and evidence to support my claim, including my FTC Identity Theft Report XXXX. XXXX, proof of address, and government-issued identification. Their repeated disregard of my legal rights under the FCRA has caused ongoing harm and emotional distress due to inaccurate reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am sending to formally dispute and request the correction of certain information on my credit report. While reviewing the trade lines associated with my file, I identified an account whose reported dates, status updates, and payment history do not accurately reflect the records I have maintained. Because I take my financial obligations seriously and understand the importance of accurate credit reporting, I want to ensure that my report reflects only what is truthful and verifiable.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I submitted a direct dispute to XXXX XXXX regarding inaccurate credit reporting. On XX/XX/XXXX, XXXX XXXX responded, but their response did not include any of the documentation I had requested. They stated that they are no longer the owner of the account as of XX/XX/XXXX, because it was sold to XXXX XXXX XXXX. Despite this, XXXX shows that XXXX XXXX continued to report charge-off activity, delinquency months, a written-off amount, and a status/balance update dated XXXX XXXX they no longer owned the debt. I requested verification, including a signed agreement, itemized accounting, proof of assignment, and documentation supporting the data they furnished. XXXX XXXX did not provide any of this. Instead, they offered only a solicitation check image, which is not a contract and does not validate the accuracy of the reporting. Their letter also stated that the law does not require us to verify, which is incorrect under FCRA 623 ( a ) ( 8 ). By verifying this account with XXXX without supplying documentation, XXXX XXXX violated FCRA 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), and 623 ( a ) ( 8 ) ( E ). Their reporting of post-sale activity also made the account status inaccurate. I want to request that the CFPB require XXXX XXXX to delete this tradeline from all consumer reporting agencies, as they failed to conduct a proper investigation and verify the accuracy of the 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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Omega RMS, LLC
State: NJ

Complaint narrative:
The account XXXX XXXX sent for collection is not mine. I am a victim of identity theft. I have sent documents from the local police, IRS, and the credit bureaus, which reported the information of hacks and theft on my account, at the time the account was opened. I had told them to send the documents bearing my original signature on the account, but they did not respond or provide this. XXXX XXXX XXXX address, number and email is as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Email XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

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 XXXXXX/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 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I received a promotion for 18 months no interest which I activated. I made a substantial purchase thinking it would be honored at 18 months with no interest. I called to verify this and to my surprise they did not want to honor promotion. I asked to speak to a supervisor XXXX XXXX and she said she could not help me and was not able to do anything. I asked if she could prove me with a phone number to corporate and it appears she gave me an incorrect number because when I called they could not pull up my card and was told they could not help me. XXXX was as his name and he proceeded to just transfer me to a different place. I then ended up calling a different number and was told I need to call back because they could not transfer me to a supervisor. They really gave me the run around and did not want to 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 explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Someone opened a credit card under my name. first XXXX bank, amount of {$370.00} on XX/XX/XXXX and another XXXX KIKOFF LENDING LLC was opened on XX/XX/XXXX in the amount of {$750.00}, without my consent and knowledge. I contacted to credit bureau to fix the issues, but there is no response. Please help me to fix this issues to improve my credit history. I need to buy a house and a car. These Wrong accounts do not allow me to move forward. 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 non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am submitting to formally dispute certain inaccurate information appearing on my credit report. Upon reviewing my file, I noticed several errors that I request be investigated and corrected immediately in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 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 XXXXXX/XX/year> These errors are causing unnecessary stress and confusion for me and my family. Recently, I attempted to secure financial assistance to support household needs, but these inaccuracies hindered my ability to access credit. As a responsible consumer, I monitor my credit closely and take all necessary steps to ensure my credit file is accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am submitting to formally dispute certain inaccurate information appearing on my credit report. Upon reviewing my file, I noticed several errors that I request be investigated and corrected immediately in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 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 XXXXXX/XX/year> These errors are causing unnecessary stress and confusion for me and my family. Recently, I attempted to secure financial assistance to support household needs, but these inaccuracies hindered my ability to access credit. As a responsible consumer, I monitor my credit closely and take all necessary steps to ensure my credit file is accurate.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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 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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

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 explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was scammed by XXXX XXXX XXXX of XXXX, GA. He has started many scam companies, but I fell for the XXXX XXXX XXXXXXXX " job opportunity ''. I am an insurance producer and I wrote policies for his employees. Over the course of XXXX weeks, I sent {$24000.00} via wire all through Chase Bank. 

I reported this all to Chase Bank. Chase Bank recovered XXXX of the XXXX wires that I sent to the company, XXXX XXXX XXXX. XXXX for {$2100.00}, another for {$1500.00}, and the last for {$1200.00}. The bank was unable to recover XXXX wires that I sent. XXXX for {$10000.00}, another for {$7700.00}, and the last for XXXX. Since the bank recovered {$4900.00}, I am at a loss of {$19000.00}. 

I reached out to the receiving bank, XXXXXXXX XXXX, but they never responded. 

Chase says there is nothiing further they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: EQUIFAX, INC.
State: TN

Complaint narrative:
From XXXX through XXXX, multiple accounts across all credit reporting agencies have been inaccurately, misleadingly, or unverifiably reported. Despite my repeated disputes, Experian, Equifax, and TransUnion failed to conduct proper reinvestigations as required under FCRA 611. 

Accounts were marked verified without any actual documentation from the original creditors or furnishers. Reports include, but are not limited to : alleged past-due balances, repossessions, duplicate tradelines, and conflicting account information. This negligence and failure to investigate has caused : Denial of credit Higher interest rates Emotional distress and anxiety Financial harm and loss of opportunities

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX I attempted to cash a {$10000.00} check issued from my father who is also a chase bank customer. Both of us have been good customers for a number of years. They put me through the wringer and every XXXX they lied to me. Refused to cash it saying they couldnt, said I had to deposit the check since it was chase to chase the funds would be verified and made available. Then the teller told me they placed a hold and wouldnt reeled the funds until XX/XX/XXXX. I asked why she gave no answer said she would get her branch manager. Branch manger came out and spoon fed me the same exact thing the teller said verbatim. She claimed she had no authority to realness holds, said they need to verify funds to prevent fraud. I asked her why she thinks Im committing fraud she says I didnt say that I said XXXX if its not fraud then why wont you realize the funds. She was apprehensive and scoffed at me. I wrote down her name asked for the branch ID number or how to identify her branch. She refused to provide me that information in attempts to stifle liability of filing a complaint. I called the deposit release hold number through mobile banking. I spent XXXX minutes on the phone. The agent told me the funds would be released between XXXX and XXXX XXXX XX/XX/XXXX. The funds were not released its now XX/XX/XXXX XXXX XXXX. The Chase mobile app says the funds will be released XX/XX/XXXX. Ive been lied to and treated poorly the entire process. I believe its racially motivated and thats unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am submitting this statement to formally report TransUnion XXXX continued noncompliance with the Fair Credit Reporting Act ( FCRA ) despite multiple written disputes and the submission of a valid FTC Identity Theft Report with supporting documentation. Despite my repeated requests on XXXX XXXX, 2025, TransUnion has failed to remove or block the fraudulent PETAL CARD XXXX XXXX.... & SYNCB/VNMO XXXX.... that were opened as a result of identity theft. This inaction constitutes clear violations of FCRA 1681i ( a ) ( 1 ), 1681c-2 ( a ), and 1681i ( a ) ( 5 ) for failing to conduct a reasonable reinvestigation, refusing to block identity theftrelated information, and continuing to report inaccurate data. I have provided TransUnion with all the necessary identification and evidence to support my claim, including my FTC Identity Theft Report XXXX. XXXX, proof of address, and government-issued identification. Their repeated disregard of my legal rights under the FCRA has caused ongoing harm and emotional distress due to inaccurate reporting on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief