vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently became aware that my personal information was exposed due to a data breach, resulting in fraudulent accounts on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/2025, Balance : {$930.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/, Balance : {$930.00}

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 2025-06-04 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: CA

Complaint narrative:
I recently became aware that my personal information was exposed due to a data breach, resulting in fraudulent accounts on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/2025, Balance : {$930.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/, Balance : {$930.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was the victim of a crime in which I was XXXX, and my phone and wallet were stolen. While I was XXXX the perpetrator used my thumbprint to unlock my phone and accessed my Chase account. They then executed multiple unauthorized transactions. 

Within hours of the crime being committed and as soon as I was able to, I changed all of my financial account passwords and also called Chase, along with all of my other financial accounts, to make them aware of the fraud and to attempt to stop or reverse the pending transactions. 

I submitted a police report confirming the incident and explaining that I was incapacitated during the time the transactions occurred. Despite this, Chase denied one of my fraud claims while approving certain others. 

The claim for the unauthorized wire for {$6000.00} which posted to my account on XX/XX/year> was denied. Further, a representative of Chase verbally explained to me that the initiation of this fraudulent wire occurred one hour after I notified Chase of the fraud. I noted the wire fraud after the initial call when logging back into my Chase account a couple hours later, calling Chase again to let them know of the wire while it was in pending status. The Chase representative said she could not share a paper copy of this information with me. 

On the file detailing the checking charges, please note that my wife was able to log into her Chase account and transfer the remaining {$500.00} to her checking account minutes later to prevent any more funds from being stolen. This indicates to me that the checking account was not locked down despite my alerts of my compromised identity, wallet and phone. 

What Ive done so far : Filed a police report Submitted it to Chase after their initial denial Requested reconsideration Explained that biometric access was exploited while I was unconscious Highlighted unusual transaction patterns and inactivity What resolution Im seeking : I am requesting that Chase refund the unauthorized transaction of {$6000.00} and acknowledge that access gained through biometric means while unconscious can not be considered user authorization. 

Amount in dispute : {$6000.00} Date of incident : XX/XX/year> ( transfer initiated on XX/XX/year> ) Police Report Number : XXXX Location of incident : XXXX XXXX XXXX Louisiana I am attaching the following files : Police Report : XXXX Transaction Listing : Chase Second Checking Charges Transaction Details : Chase Wire Details Chase Denial Letter : Chase Notice Chase Approval Letter for Other Claim : Chase Notice - Approval of Other Claim Please let me know if you need additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: AR

Complaint narrative:
I am filing this complaint because I have identified multiple items on my credit report that are inaccurate, incomplete, or contain discrepancies. I submitted a formal dispute to the Experian and attached a detailed letter identifying each account and the specific information that needs to be reviewed. At this time, I am asking for the CFPBs help to ensure that my dispute is properly processed and investigated. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be incorrect, and the credit bureaus are legally obligated to conduct a thorough reinvestigation of each item. My dispute letter, which is attached to this complaint, outlines all the information I am challenging. It is critical that the credit bureaus acknowledge my dispute, investigate each point I raised, and provide corrections where appropriate to ensure that my credit report is both accurate and complete.

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 2025-06-04 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-06-04 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: Transform Credit Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX - reporting negative reporting on my credit report without written consent/a payment has been made every month-currently in legal actions with this company due to other unlawful acts. Request to be removed or suppressed. 

Transform Credit XX/XX/XXXX was initially removed from my report several years ago and recently added back. Has been filed with a 3rd party collection agency. Has me on as a co-signer. I am not the loan holder on this account and I am not responsible for this loan. Also reporting negative on my credit report without my consent. Request to be removed. 

XXXX XXXX  XXXX XXXX  XX/XX/XXXX paid off XX/XX/XXXX - is showing on my credit report with Transunion as account with adverse information- Agent stated that it isn't reflected as a negative report but is showing as such on my latest report. Request this account to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: GA

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 explanation
Consumer complaint received 2025-06-04 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-04 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 do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed inaccurate information related to a XXXX credit card account multiple times, specifically regarding payment history and dates. Despite submitting over XXXX disputes, the inaccurate data was not corrected or removed until XXXX completed its investigation and deleted the account on XX/XX/year>. 

The continued reporting of this inaccurate account by your agency violates my rights under the Fair Credit Reporting Act ( FCRA ), including 15 USC XXXX, XXXX ( b ), and XXXX ( b ). XXXX has already deleted the account based on their findings. I have provided sufficient evidence, yet the inaccurate account is still being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: CA

Complaint narrative:
In light of a recent data breach, fraudulent accounts have been added to my credit report. 
Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please remove and block them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4000.00} XXXX. XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$800.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX CO Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Ive disputed the same item, national credit systems with experian multiple times. Ive even requested photos that I know national credit systems does not have. My balance is incorrect because they cant prove photos of my move out. Real photos not a ledger. Real photos of the trash, photos of the cleaning fees etc. following along with the handbook with the charges where said my joint account with, did not sign the handbook therefore rules can not be enforced without the second signature and experian continually denied my request when I know they do not have evidence of my request. So Im filing a complaint because I believe they are not investigating my account thoroughly to be fair with me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I disputed charges on an older card as fraudulent and was approved for credits to be applied to fraudulent activity from fanduel, XXXX and XXXX in my card ending in XXXX. I had a newer card that I reported XXXX charges as fraudulent as well as the listed other accounts in my card that ended in XXXX. They did not provide me with a credit but instead denied my fraud claim even though the accounts listed are not in my name. I did not make those transactions and they were fraudulent. They said because of past history in my account of having used those companies before that it was not fraudulent. I have not had access to XXXX or any of the listed sites in a long time. If they did the correct investigation and reached out to these companies they would have seen that those accounts are not mine and not in my name. XXXX and betmgm in card that ended in XXXX were all resolved in my favor and I was given a credit back. There was another charge in the amount of {$700.00} on XX/XX/XXXX in card ending in XXXX that was not authorized by me and also reported as fradulent that has not been handled as well Ending in XXXX XXXX XXXX XXXXXX/XX/XXXX {$30.00}, {$34.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$35.00}, {$15.00} XXXX XX/XX/XXXX {$150.00}, {$290.00}, XX/XX/XXXX {$150.00}, {$240.00}, XXXX XX/XX/XXXX {$10.00} XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: OH

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the info I am not familiar with. 

Please find attached copy of my ID, The FTC complaint, copy of the XXXX report showing my information being exposed in a national database.

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 2025-06-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Two unauthorized loans were added to my Affirm accountone on or around XX/XX/year> ( Loan ID : XXXX ) for a purchase at a retailer called XXXX XXXX XXXX, and another ( Loan ID : XXXX ) shortly after that for a merchant listed as PE LLC. I did not authorize or benefit from either transaction. I discovered the loans while reviewing my account and immediately filed a dispute with Affirm. 

Affirm responded on XX/XX/year>, stating that I was responsible for the loans because the IP address, device, and usage patterns matched my account history. However, this does not prove I made the purchasesonly that the activity came from a device or account compromised by an unauthorized user. I am the sole user of this account and did not make or initiate these purchases.

I have consistently made payments on all loans I did authorize. These two, however, are not mine. I requested that Affirm reopen the case and provide IP address logs and metadata associated with the transactions, but they declined, stating their decision was final unless I submitted new evidence.

I am requesting assistance in removing these fraudulent charges and preventing them from impacting my credit, as Affirm has not provided a fair or thorough resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: MN

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC
State: NV

Complaint narrative:
XXXX XXXX transfered to XXXX XXXX to subservice. changed loan number and payment address. i updated both in billpay ( bank XXXX XXXX ) but payments were not accepted. 

What i don't understand is why XXXX XXXX or XXXX simply can't forward the payment to new servicer if it was at the wrong address like XXXX claimed on the phone?

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 2025-06-04 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: CONTRACT CALLERS INC
State: FL

Complaint narrative:
Dear I am writing to dispute the credit collection account that has been listed on my credit report. After thoroughly reviewing my credit report, I have found that the account in question does not belong to me. I have never entered into any agreement with Creditors nor have I ever received any services or goods from them. This account is not mine and I am not responsible for the debt. I kindly request that you immediately remove this account from my credit report and cease all collection activities. I would appreciate it if you could provide written confirmation that this account has been removed and marked as " not mine ''. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation