vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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:
To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the change. I ask that the items be deleted to correct my credit report. I reported the theft to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Affidavit. Please delete the items as soon as possible.

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 2025-06-25 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: FL

Complaint narrative:
According to the fair credit reporting act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, email or in a fraudulent account. 
I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the account listed below. Your to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 
I DEMAND THE FOLLOWING ACCOUNTS BE VERIFIED OR REMOVED IMMEDIATELY. 


Collection Agency : XXXX XXXX Original Creditor : 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 2025-06-25 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: OH

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 explanation
Consumer complaint received 2025-06-25 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: SC

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 2025-06-25 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: MD

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
b'***SEE ATTACHED IDENTIFICATION AND COPY OF CERTIFIED LETTER ***\nI am writing to file a formal complaint against Equifax for their failure to address a dispute I submitted regarding inaccurate and incomplete information on my credit report, in violation of the Fair Credit Reporting Act (FCRA).  On XXXX XXXX XXXX, I mailed a dispute letter to registered agent for Equifax via USPS, Certified Mail (XXXX XXXX XXXX XXXX XXXX XXXX) requesting an investigation into the following inaccuracies on my credit report: Negative Account: Account: XXXX XXXX Account Number: #XXXX, XXXX  Account Number: #XXXX, Issue: Inaccurate reporting of account status.  Unauthorized Inquiries: XXXX XXXX XXXX XXXX  Dated XXXX, XXXX XXXX XXXX  Dated XXXX, XXXX  Dated: XXXXXXXX XXXX XXXX Dated: XXXX Issue: These inquiries were made without my authorization.  Addresses: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX.  Issue: Inaccurate reporting of address nor have I lived at any of these addresses.  To support my dispute, I enclosed all required documentation to verify my identity, including a copy of notarized government-issued identification and Social Security Card, in full compliance with FCRA requirements. Under the FCRA, Equifax is required to investigate and respond to my dispute within thirty (30) days of receipt. As of XXXX XXXX XXXX, Equifax has failed to provide any response or acknowledgment of my dispute, which constitutes a direct violation of my consumer rights under federal law.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: CA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I understand that the CFPB has filed a statement of interest in the Synapse bankruptcy case, indicating their belief that XXXX may have violated the Consumer Financial Protection Act. I am writing to provide a personal statement regarding the financial and emotional harm I have experienced as a result of the account disruptions tied to XXXX XXXX XXXX and its associated partner banks and fintech platforms. 

* * My Background * * I was a customer of Juno which used XXXX XXXX XXXX  to facilitate banking services. My account was held at XXXXXXXX XXXX XXXX XXXX and was frozen on or around XX/XX/year>, without warning. 

* * The Harm I Suffered * * When my account was frozen, I had {$240000.00} in the account. Since then, I have recovered {$930.00}, leaving & XXXX still inaccessible over a year later. 

This interruption has caused me significant hardship. I experienced XXXX XXXX and distress due to the sudden loss of access of my funds. I had to go to XXXX XXXX because my mental health impacted a lot. The funds were saved for my mom XXXX and kids college. It was saved to move away from my XXXX husband. But now I have to still live with my husband in his parents garage because I cant afford rent. 

I am not a XXXX capitalist or an institutional investorI am a retail consumer who trusted a financial product that was marketed as safe and FDIC-insured. No one should lose access to their legally deposited money because of behind-the-scenes failures between banks and middleware providers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a 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 if 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 non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: FIRST CITIZENS BANCSHARES, INC.
State: NJ

Complaint narrative:
Hello, I had a XXXX XXXX and XXXX savings account with CIT Bank. A couple of months ago, i received email from CIT Bank that they needed some documents to verify my account which i promptly uploaded to the secure document upload on CIT bank website upon which i was told all the information is upto to date and no further details or information is needed. 
On XX/XX/XXXX both of my accounts were closed by CIT Bank without prior notice. When i called Customer service i was told they were missing some documents related to joint owner ( my spouse ) and closed the account. 
While i received cheque for funds for my XXXX XXXX account on Thursday XX/XX/year>. It has been more than 2 weeks and i am yet to receive cheque or any tracking details for the same for the money in the platinum savings account. Multiple attempts to contact Customer service result you need to wait for 2 weeks + and then contact again and request for original cheque to be cancelled and for request of new cheque. I have been saving for home and XXXX XXXX XXXX and feel like the bank is being negligent and non responsive in my requests. I would appreciate if the appropriate authorities can escalate this with CIT Bank. 

I appreciate your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
An individual used my information to apply for a Capital One credit card on XX/XX/year>. I was notified by my financial institution on XX/XX/year>. On XX/XX/year>, I called Capital One and spoke with several representatives ( General Customer Service , Fraud Department, Application Department ). The fraudulent application was cancelled, and I have been assured that the application will be marked as fraudulent and reported to XXXX XXXX XXXX XXXX as fraudulent, so it is removed from my credit report. 

I was advised to report this issue as I am doing now and to place a fraud alert on my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: IL

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized hard inquiries and unauthorized account on my credit report, specifically with TransUnion. Despite my repeated efforts to resolve this issue directly with TransUnion and the company responsible for these inquiries, they have refused to remove them from my credit report. On XX/XX/year>, XX/XX/year>, and XX/XX/year>, I noticed a unauthorized accounts listed on my TransUnion credit report. I disputed these accounts directly with TransUnion through their representatives over the phone. I was instructed to dispute these inquiries by mail, despite having already submitted disputes on the aforementioned dates, with no resolution. The unauthorized account are the result of actions taken by XXXX XXXX XXXX. I have confirmed that this account were made without my permission or authorization. Furthermore, as defined under 15 U.S.C. 1693 ( a ) 2, nor have I ever authorized any credit account or report to be obtained from them. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which prohibits any person from using or obtaining a consumer report for any purpose unless : The consumer report is obtained for a purpose for which it is authorized to be furnished under this section ; The purpose is certified in accordance with 15 U.S.C. 1681e by a prospective user of the report through a general or specific certification. This unauthorized account clearly violate these provisions, and as such, I am requesting the immediate removal of all unauthorized accounts, related to XXXX XXXX XXXX from my TransUnion credit report. The inquiry were obtained without my consent, and the company failed to comply with the legal requirements outlined in the FCRA. I have also filed a report with the Federal Trade Commission ( FTC ) regarding these false and unauthorized account. Despite the involvement of the FTC and my ongoing efforts to address this matter, TRANSUNION has refused to take appropriate action to rectify the situation. Enclosed are copies of relevant documentation, including my previous dispute attempts, any correspondence with TransUnion, the FTC report, and any supporting evidence showing that I did not authorize the account. I kindly request that the Consumer Financial Protection Bureau investigate this matter promptly and ensure that TransUnion takes the necessary actions to remove the unauthorized account in accordance with the Fair Credit Reporting Act.

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 2025-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
Smile generation charged me {$52000.00} in interest on time of total amount, not on my total balance left thats {$22000.00}. Thats so unfair and they didnt let me know that my payment plan was about to finish by email or text message. I didnt know that my payment plan was about to finish and totally unfair and I think illegal charge a interest in a value that I already paid and more that I own. Im attach the document with the statement showing dates of charges and my previous balance before interest. Also for late payment they charge abusive around {$30.00}. Please give me a fair resolution for this. When I went to dentist I was in so much pain and I just wanted my teeth removed, then I sign in a lot of documents before and didnt paid attention correctly what I was sign in.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: AZ

Complaint narrative:
To : XXXX  - CEO ( XXXX XXXX ), Chief Compliance Officer ( XXXX XXXX ) XXXX  XXXX XXXX XXXX XXXX. 
P.O. BXXXX XXXX XXXX, TX XXXX Phone : XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XX/XX/XXXX Account : XXXX XXXX card services XXXX XXXX  XXXX XXXX DE XXXX Account no. XXXX Charge off Balance {$50000.00} Opened : XXXX XXXX Subject : Formal Demand and Notice Under the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C. 
1681 et seq. ; CFPB Enforcement - Cease Unlawful Reporting and Remediate All Violations or Face Immediate Legal Action 1. Summary of Violations Pursuant to 15 U.S.C. 1681i, 1681e ( b ), 1681o, and 1681n, you are operating in direct violation of the following alleged failures : 1. Failing to conduct reasonable reinvestigations under 1681i ( a ) ( 1 ) ( A ) after receiving my dispute ( s ) ; 2. Publishing inaccurate, incomplete, or unverifiable information in violation of 1681e ( b ) ; 3. Failure to follow reasonable procedures to assure maximum accuracy ; 4. Willful and negligent noncompliance entitling me to statutory and punitive damages. 
Recent CFPB enforcement actions underscore this pattern : - CFPB v. XXXX, Complaint No. XXXX, XX/XX/XXXX. 
- CFPB Consent Order, No. XXXX, XX/XX/XXXX against XXXX. 
- DOJ suit ( XXXX ) against Equifax ( Case No. XXXX ). 
2. Legal Authority & Recent Case Law - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) - XXXXXXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX ( XXXX ) - XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) 3. Remedial Demands & Deadlines Within 15 business days : a. Conduct a complete re-investigation ; b. Remove or block unverifiable or inaccurate info ; c. Provide full investigative records ; d. Cease further credit reporting unless re-verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: FL

Complaint narrative:
According to the fair credit reporting act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, email or in a fraudulent account. 
I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the account listed below. Your to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 
I DEMAND THE FOLLOWING ACCOUNTS BE VERIFIED OR REMOVED IMMEDIATELY. 


Collection Agency : XXXX XXXX Original Creditor : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief