vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: GA

Complaint narrative:
I am writing you because my social security number was used fraudulently to open accounts. I believe I am a victim of identity theft due to the Equifax Data breach. My social security number was found to be comprised. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The accounts listed below, which appears on my Equifax credit report, does not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: VA

Complaint narrative:
This complaint involves a charged-off XXXX XXXX XXXXXXXX account that is being improperly reported by Experian and Equifax causing ongoing damage to my credit. 

In approximately XXXX or XXXX ( to the best of my knowledge ), XXXX XXXX XXXX contacted me while I was unemployed and receiving unemployment benefits. I clearly told them of my unemployment status, yet they still pressured me into making multiple payments. I was not told of the legal consequences of making these payments while unemployed. These payments, which were made with my unemployment insurance restarted the statute of limitations. XXXX XXXX XXXXXXXX conduct raises serious concerns of unfair, deceptive, or abusive acts or practices ( UDAAP ). 

Since those payments, no further payments or activity have occurred on the account. Years later, ( Just recently the last 6 months or so ) a credit repair service ( XXXXXXXX XXXX  ) mistakenly disputed the account as not mine. After that inaccurate dispute, Experian and Equifax allowed XXXX XXXX XXXX to start reporting new monthly updates as if the debt is newly delinquent, which is factually incorrect and misleading. 

XXXX XXXX XXXXXXXX did file a lawsuit against me regarding this debt. I did not appear in court, but they still failed to obtain a judgment against me. No judgment was ever entered. I am currently attempting to obtain the court records to verify this for the CFPBs review. Despite failing to obtain a judgment, XXXX XXXX XXXXXXXX continues to report this account to Experian and Equifax with ongoing new monthly updates, which is false and severely damaging to my credit. 

I just recently filed a dispute directly with Experian and Equifax ( XX/XX/XXXX ) ; those investigations are still pending. However, Experian/Equifax are not fully aware of the improper circumstances under which XXXX XXXX XXXXXXXX obtained payments while I was unemployed, nor the fact that no judgment was ever entered. There has been no new valid financial activity on this account since XXXX. 

XXXX asking that the CFPB fully investigate this matter. XXXX XXXX XXXXXXXX conduct in inducing payment under financial duress was deceptive and abusive. Experians/Equifax 's continued monthly reporting of fresh delinquency on a long dormant charged-off account is misleading, inaccurate, and harmful. I'm asking the CFPB require Experian/Equifax to stop allowing these ongoing monthly updates and investigate XXXX  XXXX XXXX collection practices for possible UDAAP violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
This complaint involves a charged-off Bank of America account that is being improperly reported by XXXX XXXX XXXX  causing ongoing damage to my credit. 

In approximately XXXX or XXXX ( to the best of my knowledge ), Bank of America contacted me while I was unemployed and receiving unemployment benefits. I clearly told them of my unemployment status, yet they still pressured me into making multiple payments. I was not told of the legal consequences of making these payments while unemployed. These payments, which were made with my unemployment insurance restarted the statute of limitations. Bank of Americas conduct raises serious concerns of unfair, deceptive, or abusive acts or practices ( UDAAP ). 

Since those payments, no further payments or activity have occurred on the account. Years later, ( Just recently the last 6 months or so ) a credit repair service ( XXXX XXXX  ) mistakenly disputed the account as not mine. After that inaccurate dispute, XXXX XXXX XXXX allowed Bank of America to start reporting new monthly updates as if the debt is newly delinquent, which is factually incorrect and misleading. 

Bank of America did file a lawsuit against me regarding this debt. I did not appear in court, but they still failed to obtain a judgment against me. No judgment was ever entered. I am currently attempting to obtain the court records to verify this for the CFPBs review. Despite failing to obtain a judgment, Bank of America continues to report this account to XXXX XXXX XXXX  with ongoing new monthly updates, which is false and severely damaging to my credit. 

I just recently filed a dispute directly with XXXX  XXXX XXXX ( XX/XX/XXXX ) ; those investigations are still pending. However, XXXX are not fully aware of the improper circumstances under which Bank of America obtained payments while I was unemployed, nor the fact that no judgment was ever entered. There has been no new valid financial activity on this account since XXXX. 

Im asking that the CFPB fully investigate this matter. Bank of Americas conduct in inducing payment under financial duress was deceptive and abusive. XXXX XXXX continued monthly reporting of fresh delinquency on a long dormant charged-off account is misleading, inaccurate, and harmful. I'm asking the CFPB require XXXX to stop allowing these ongoing monthly updates and investigate Bank of Americas collection practices for possible UDAAP violations.

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 2025-06-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: WI

Complaint narrative:
XX/XX/year>- opened an online savings account at Marcus by Goldman Sachs because they advertised a rate higher than my current bank was offering XX/XX/year> - electronically transferred {$74000.00} into the Marcus account from my other bank XX/XX/year> - tried to transfer {$6000.00} out of the Marcus account to purchase a car for my god daughter ; the transaction was " declined '' with no reason given! 
XX/XX/year> - called Marcus by Goldman Sachs ( XXXX number ) to find out what was going on ; they had no information to give me and said I would get a letter via USPS letting me know and instructions to follow. I requested they email or fedex the letter to me so I could take care of it asap. They would not. 

Received a letter in the mail ( apprx XXXX ) - but all it said was to call the XXXX number! Called several times to follow up and no one could tell me what was going on. Nor were they able to escalate it. Briefly, they all said to wait for a letter in the mail and there was nothing else they could do. 

XX/XX/year> - called again and the " rep '' said I would for sure receive the letter by XX/XX/year>. 

XX/XX/year> - did not receive the letter. Called XXXX number again. Was told that NO letters were sent to me regarding this issue!! But she would 'start a case ', but could not tell me what that means or how long it takes. 

XX/XX/year> - I tried to log into my account online to print out my deposit transactions so I would have a paper trail record of them but I can no longer even access my account online. Where is my money?? Why won't anyone tell me what is going on?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: FL

Complaint narrative:
This is a continuing effort to receive Justice to the Negligent and Immoral actions that Chase has taken against me and my family. Please reference my several complaints to Chase regarding their complete mishandling of my fraud case. Even giving them ample time and immediate notification of fraud taking place against my account. Chase insists that they are not at fault for allowing it to occur. I did all that I could possibly do to avoid a situation like this and Chase did nothing to help me. I submitted fraud complaints with their department at the moment I saw fraudulent checks hit my joint account with my mother. Chase had REPEATEDLY me over the phone on recorded lines that I had acted promptly and done everything I needed to do in order to secure my account, however, this was a flat out lie. My account was still compromised and money was still taken out and my account was overdrafted. I seriously am at my wits end, as I continue to submit these complaints week after week with no resolution in sight. Chase has allowed my account that I've had with them for over XXXX without any issues to be victimized. And now they have the Audacity to request me to pay them back? The unmitigated gall of this company is something that needs to be investigated with the full extent of the law. They are not investigating this problem accurately. They need to be held accountable for their role in this financial dilemma I am facing. This was not my fault. The fraudulent charges that hit my account are, in my opinion, just as much to blame Chase for as the criminals that compromised my Joint account. This whole situation is seriously ridiculous. Noone is taking this seriously. Chase will receive nothing from me. This needs to be thoroughly, thoroughly investigated. Because up to this point, they are dodging blame, and not doing their part to uncover the truth. We can not allow them to be the sole investigators of this case. The CFPB must get involved in this. My next step will be legal action against Chase. A miss XXXX from Chases executive office even told me over the phone that this entire situation was not my fault, but it was instead a byproduct of my joint signers account being compromised. So why am I still being targeted by Chase? This needs to stop now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: SC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 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 2025-06-18 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: SC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 non-monetary relief
Consumer complaint received 2025-06-18 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: LA

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-06-18 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: AZ

Complaint narrative:
After reviewing my credit report, I found a hard inquiry that I did not initiate or approve. I maintain a careful record of all my financial transactions, and there is no justification for this access to my credit file. I am formally requesting the immediate removal of this entry to correct the inaccuracy and prevent further impact on my credit.

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 2025-06-18 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: CA

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report, and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax data breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which has negatively affected my financial stability and mental well-being for some time, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equitax data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX ) XXXX XXXXXXXX XXXX Amount : {$10000.00} Date XXXX XXXX ) XXXX XXXX XXXX XXXX Amount : {$840.00} Date XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$300.00} Date 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 XXXX XXXX XXXX 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 2025-06-18 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: CA

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report, and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax data breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which has negatively affected my financial stability and mental well-being for some time, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equitax data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX ) XXXX XXXXXXXX XXXX Amount : {$10000.00} Date XXXX XXXX ) XXXX XXXX XXXX XXXX Amount : {$840.00} Date XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$300.00} Date 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 XXXX XXXX XXXX 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
Consumer complaint received 2025-06-18 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: NJ

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 2025-06-18 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 have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with explanation