vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: 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 explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am reaching out to formally dispute the inaccurate reporting of a XXXX on my credit file. I have obtained official documentation from the court that clearly confirms this XXXX  should not be appearing on my credit report. Despite this, it continues to be listed, which is both misleading and damaging to my credit profile. What makes this matter even more serious is the involvement of an XXXX XXXX XXXX, which raises serious concerns about the integrity of the reporting process and the potential mishandling of my personal information. This situation requires urgent attention and a thorough review to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are being upheld.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently checked my credit report and noticed a lot of inquires of what seems to be car financing companies that I did not authorize to run my credit. I placed a fraud report on my credit and also filed a FTC Report. I would like these inquires that i did not authorize removed from my 3 credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I initially contacted XXXX XXXX XXXXXXXX XXXX XXXX XXXX to inquire about credit report finding and received response that they were collecting on behalf of XXXX XXXX XXXXXXXX . First, I do not have a contract with or have done any business with XXXX and they do not have any legal authority to collect any money from me. Second, they emailed a bill dated XXXX XXXX, 2025 with the XXXX XXXX XXXX XXXXXXXX and in the amount of {$4300.00}. I asked XXXX to email me a copy of the lease and refused to do so. They suggested that I contact XXXX XXXXXXXX XXXX which I did, but they referred me back to XXXX. The reason they are unable to email a lease is because they do not have a lease for XXXX XXXXXXXX. Please assist in getting this information removed immediately from all credit reporting agencies. Under the FCRA 15 USC 1681 all crediting reporting agencies are supposed to investigate all disputes and Transunion have failed to do so. 

I spoke with Transunion and was told that I needed to resubmit the FTC 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 non-monetary relief
Consumer complaint received 2025-05-28 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ) this creditor has violated my rights. Under 15 U.S.C. 1681 sec. 602 states I have the right to privacy. 15 U.S.C. 1681 sec. 604 ( a ) sec. 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666 ( b ) a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose. There are two accounts reporting late payments on my credit reports. 

XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ) this creditor has violated my rights. Under 15 U.S.C. 1681 sec. 602 states I have the right to privacy. 15 U.S.C. 1681 sec. 604 ( a ) sec. 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666 ( b ) a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose. There are two accounts reporting late payments on my credit reports. 

XXXXXXXX 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 2025-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Claim # XXXX I rented a car using my Chase Freedom credit card. The card has some coverage for rental car damages. The rental company charged me for damages so I submitted the claim on XX/XX/year> to Chase Card Benefits, which is operated by XXXX  XXXX. Along with the claim, I submitted my rental contract ; pictures of the damages ; estimate for repairs ; what the rental company asked of me, the damages charge on my Chase Card statement etc. 

A few hours after I submitted the claim, I got an email saying I was missing an incident report ; I called XXXX  XXXX to explain that the rental company just emailed me with the details of damage, which I submitted, & that there was no incident report. The representative asked me to put that in a statement & upload it. I did & they said the missing documents are now submitted & someone should review the case in a few days. 

On XX/XX/XXXX, I got an email again saying I was missing some documents. I called & was told that the repair estimate I submitted would not open fully & I need to submit again in a different format. I submitted the it again & the representative offered to review the whole file to see if they needed anything else. He said it was complete & that someone will start reviewing by XX/XX/XXXX & should be processed 7-10 days after that. 

I logged in to check the status on XX/XX/XXXX & it still said missing documents so I called & was told that no one has gotten to the file & that it would be helpful to submit all the documents in one file again. They again told me the same thing, that once I submit, someone would review in 7-10 days & would be process 7-10 days after that. I realized they are just trying to extend the timeline so I did not submit the same documents again like they asked. 

On XX/XX/XXXX, I got an email from XXXX  XXXX saying I am missing pictures of the damages & need to submit those again. 

It seems like they are just trying to keep me running around & tire me out to avoid processing & paying the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 non-monetary relief
Consumer complaint received 2025-05-28 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:
I am writing to bring your immediate attention to an account on my credit report that is entirely fraudulent. This account was opened without my knowledge or consent it is the direct result of unauthorized use of my personal information and identity theft. 

Let me be clear : I did not authorize this account, I have no relationship with it, and it should never have been placed on my credit file. This fraudulent information is damaging my credit standing and causing me undue stress.

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 2025-05-28 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: FL

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX  # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: MI

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-28 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: FL

Complaint narrative:
( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-Provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers or dispute outcome.These failures align with my experience, where Experian has neither correct nor removed dispute items despite the evidence I provided causing on going XXXX to my credit standing I am required immediate correction action to remove or amend the disputed account as Experian inaction violates federal law and my rights as a customer this is my XXXX time request regarding the fraudulent account that continues to appear on my credit report.i am deeply troubled as these accounts Thank XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: MN

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 2025-05-28 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Foris DAX, Inc.
State: SC

Complaint narrative:
On XXXX XXXX, 2025, I used Crypto.com to withdraw {$100.00} USD worth of Bitcoin ( BTC ). After the transaction, I discovered that only {$55.00} USD worth of BTC was actually sent. The remaining {$45.00} USD was deducted and labeled as a network fee.

However, the actual blockchain miner fee recorded on the Bitcoin network was just {$1.00}. This means that Crypto.com withheld more than {$43.00} USD of my funds without proper disclosure or justification.

No clear warning, itemized breakdown, or consent request was provided before confirming the transaction. The label network fee falsely implied that the full amount was charged by the blockchain network. When I raised this issue, Crypto.com refused to refund the difference or acknowledge the misleading nature of the deduction.

Why this is a problem : This is not a policy dispute it is a deceptive and unfair business practice, and constitutes violations of both federal and state consumer protection laws : South Carolina Unfair Trade Practices Act ( S.C. Code 39-5-10 et seq. ), which prohibits businesses from using unfair or deceptive acts in trade or commerce ; Federal Trade Commission Act ( 15 U.S.C. 45 ( a ) ), which prohibits unfair or deceptive acts or practices affecting interstate commerce.

Crypto.coms actions meet the legal definition of deception they failed to disclose a material fee, misrepresented its nature, and retained funds under misleading pretenses. These practices are capable of deceiving consumers, even if not every user is misled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ALL ID THEFT FRAUD ACCOUNTS AND OR INQUIRIES ALL ID THEFT XXXX XXXX XXXX ALL ID THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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 am humbly asking for the quick action for the removal of the addresses attached on my credit report. I've never lived on the addresses attched, kindly remove it asap.

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 2025-05-28 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: CA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both XXXX  and XXXX XXXX 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute XXXX XXXX XXXX XXXX XXXX  Balance {$1300.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$820.00} Open Date XX/XX/XXXX XXXX Balance : {$2100.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$22000.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$2000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$1700.00} Open Date XX/XX/XXXX XXXXXXXX XXXX  XXXX Balance : {$1100.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX Inquiries : XXXXXXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX  Date XX/XX/XXXX XXXXXXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX  Date XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX  Date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXXXXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXXXXXX XXXX Date XX/XX/XXXX XXXXXXXX XXXX Date XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXX XXXX XXXX XXXX agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation