vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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: NV

Complaint narrative:
On XX/XX/XXXX, I filed an FTC Identity Theft Report regarding a fraudulent account ( XXXX for {$3900.00} ) that was opened in my name in XX/XX/XXXX and closed in XX/XX/XXXX. I was in college in XXXX at the time, had no involvement in this account, and it was previously removed from my credit report. However, the account was later reinserted. 

On XX/XX/XXXX, I submitted a FCRA Section 605B block request to TransUnion and Equifax, including : -A valid FTC Identity Theft Report -Copy of my ID -Proof of address -A formal letter requesting the block TransUnion denied my request and claimed the account may have : A " history of previous payments '' or Been " opened before the fraud was reported '' These are not valid reasons to deny a 605B request. Under FCRA Section 605B, once the required documentation is submitted, the account must be blocked. TransUnion can not override federal law by making a subjective judgment on whether the account is truly fraudulent. 

This refusal violates federal consumer protection law. Notably, XXXX  has already deleted this account permanently with the same documentation. 

Equifax also failed to block the account within the required XXXX business days but also rejected my FTC Identity Theft Report as invalid without explanation. When I called Equifax to clarify, I was told by the SUPERVISOR representative that he was not trained to tell me why it was rejected. 

This is a direct violation of FCRA Section 605B, which legally obligates Equifax to block fraudulent information upon receiving proper documentation. The law does not permit a credit bureau to arbitrarily deem an FTC Identity Theft Report invalid without justification, nor to delay a block beyond the allowed time frame. XXXX, using the exact same documentation, has already removed this account permanently from my 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 2025-07-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute fraudulent information that appears on my credit report pursuant to 15 U.S.C. 1681c-2, and to formally request that this information be blocked or removed. I am including a copy of my identity theft report issued by the Federal Trade Commission ( FTC ) XXXX as supporting evidence for my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block or delete any information identified by the consumer as resulting from identity theft within four ( 4 ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As outlined in 15 U.S.C. 1681c-2, I am formally requesting that this fraudulent information be blocked or removed immediately from my credit report. This information should remain blocked for a period of one year, after which I may request an extension. During this time, no fraudulent data should continue to appear in my file. 
I have contacted the credit bureau reporting these fraudulent accounts multiple times, and they have failed to provide me with an effective resolution. This situation is severely affecting me and feels like a never-ending cycle. I do not understand how these accounts can still be reported as mine when I have already proven otherwise. 
Please help me by removing these accounts immediately. I am including my FTC report again, hoping that you will make a better and fairer decision in my case. Thank you for your attention.

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 2025-07-30 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$160000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-07-30 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 a victim of identity theft and have multiple unauthorized accounts being reported on my credit file by TransUnion, XXXX, and XXXX. These accounts were opened without my knowledge or written consent, and the bureaus have continued to report them despite my disputes and existing fraud alerts.

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 2025-07-30 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: NY

Complaint narrative:
I am writing to formally dispute a late payment entry that appears on my credit report. Upon reviewing my records, I found no basis for this derogatory mark. I have always been diligent about meeting payment deadlines and maintain documentation to support my consistent payment behavior.

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 2025-07-30 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: GA

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 XXXX XXXX XXXX. 

XXXX - XXXX XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX - XXXX XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 explanation
Consumer complaint received 2025-07-30 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: MN

Complaint narrative:
On XX/XX/year>, I deposited {$2800.00} into an ATM operated by XXXX XXXX ( ATM XXXX XXXXXXXX, located at XXXX XXXX XXXX XXXX ). The ATM retained the cash and did not credit it to my account. 

I filed a dispute with my bank, Navy Federal Credit Union, immediately after the incident. However, my claim was denied, and I later submitted an appeal, which was also denied on XX/XX/year>. 

Navy Federal stated that the XXXX ATM did not report any overages, despite the fact that I have a receipt showing that the deposit was made. I believe this decision is incorrect and unjust. I followed all proper procedures and provided documentation to support my claim. 

As a result of this unresolved issue, I am now at risk of losing my housing, as the funds were intended to cover critical expenses, including my rent. This situation is causing significant financial and emotional distress.

I am requesting a full and independent investigation into this matter and a reconsideration of Navy Federals decision. I have attached supporting documentation, including a copy of the ATM receipt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XXXX XXXX MY SSN ACCOUNT # XXXX XXXX Chase Bank Fraud Department XXXX XXXX XXXX XXXX XXXX, KY XXXX Subject : Fraudulent Account Opened in My Name Without Authorization To Whom It May Concern, I am writing to formally notify you that a bank account was fraudulently opened in my name at Chase Bank without my knowledge or authorization. I did not apply for or give anyone permission to use my personal information to open any accounts with your institution. This is a clear case of identity theft, and I am requesting that Chase Bank immediately investigate and permanently close any accounts that were opened using my name, Social Security number, or other personal information without my consent. Under the Fair Credit Reporting Act ( FCRA ) and other applicable laws, I request written confirmation that the fraudulent account ( s ) have been closed and removed from any internal or external records and systems. Additionally, I request any relevant documentation regarding when the account was opened and what identification or information was used. Please consider this letter a formal dispute and a request for documentation related to the account ( s ). I am also including a copy of my government-issued ID, proof of address, and an identity theft affidavit for verification purposes. If you require any further information or documents from me to assist in resolving this matter, please contact me promptly at the address or phone number listed above. Thank you for your attention to this serious matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc
State: DC

Complaint narrative:
I opened a loan with Affirm after purchasing items from a company called XXXX XXXX. The orginal amount owed from the company was {$2000.00}. When affirm approved the loan it added interest in the amount of {$420.00}. This brought the total amount owed to XXXX and some odd cents. As of today, I have paid {$2500.00} and some odd cents. Affirm is nor saying that the orginal loan with interest was {$2700.00} and some odd cents. The total amount owed in the contract states what the original amount owed was and now they have changed the amount owed on the Affirm app but the contract still has the correct amount listed. Based on the contract I have overpaid Affirm. If we are looking at the amount owed in the app, I only owe {$190.00} remaining instead of the {$620.00} they are saying I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CHERRY TECHNOLOGIES INC.
State: AL

Complaint narrative:
In XXXX, I was enrolled in a XXXX XXXX  training environment where I had no access to a phone or financial accounts. Immediately after, I was sent XXXX. During that time, I entrusted a third party to manage my financial responsibilities, including payments to Cherry Technologies. Unfortunately, I later discovered that multiple payments had been missed without my knowledge specifically in XXXX and again across XXXX billing cycle in XXXX. 

The moment I became aware, I took responsibility, paid off the balance in full, and have maintained a positive payment record since. Ive spent over a year trying to resolve this. I have contacted Cherry repeatedly and respectfully asked for a goodwill adjustment, explaining the full context yet my requests have been denied every time with vague explanations and inconsistent information. 

They claimed a goodwill adjustment had already been granted, which I was never notified about. Theyve also stated my account is not in good standing, even though it is paid in full. Every attempt Ive made to gain clarity has been met with form responses, not real answers. 

This situation is seriously affecting my life. Its harming my credit score, my financial stability, and my ability to move forward. Ive done everything I can to make this right. I am not asking them to erase accurate information out of convenience Im asking them to show reasonable consideration for someone who has served and who handled a difficult situation responsibly.

Im respectfully asking the CFPB to step in and help. This is not just a credit report issue its a situation that continues to hurt me long after the payments were made. All I want is for Cherry to fairly reconsider this under the circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: NC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$6600.00}

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 non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: CO

Complaint narrative:
XXXX XXXX has been calling my wife and I over the last few weeks about collecting a debt owed to XXXX. The amount owed keeps fluctuating. Synergy seems to be fraudulent after an Internet search. We've called XXXX multiple times to see if there was a debt or if they use XXXX  for debt collections. They said there was no debt on file and that they are not affiliated with Synergy at all. I called XXXX multiple times to explain we've checked and they are committing fraud and to take us off their call list. They will be rude or hang up. We've blocked numbers but they spoof other numbers in an attempt to get you to answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
Regarding XXXX XXXX credit card ( managed by Citibank ). XX/XX/year> XXXX XXXX requested additional information regarding my daughter who has had a card tied to my account for several years. As part of the account verification process ( over the phone ) they asked me for my bank checking account number. I refused to give them this information. My daughters ' card was cancelled.

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 2025-07-30 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:
Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to 15 USC Section 1681 of the Fair Credit reporting Act of XXXX. As required by the Act, I demand that you re-verify each of these items, and that inaccurate items be deleted from my record.

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681 requires that you notify me when the items have been deleted. Under 15 USC Section 1681, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

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 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On Wed, XX/XX/year> I deposited {$1900.00} at a Chase Branch ATM. The machine froze in the process of counting my deposit and then showed an error message telling me to call customer service if my deposit does not show in my account. I went into the branch, who just called customer service for me and all they did was file a claim. My rent is due on XXXX XXXX and I will be penalized for late payment due to the BANKS error. Bank credited my account while they investigate but, that does not guarantee I get to keep the credit for the funds they STOLE from me. I deposited {$700.00} in {$100.00} bills and {$1200.00} in {$20.00} bills. This ATM at this branch is down WEEKLY due to this same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: TX

Complaint narrative:
b'I sent a certified letter to Experian on XXXX via USPS mail with a tracking number of XXXX XXXX XXXX XXXX XXXX XXXX . The letter was delivered to Experian in XXXX,TX on XXXX  at XXXX XXXX. The letter stated they needed to promptly investigate the account and correct it or delete it. Experian ignored my request and I proceeded to send another letter on XXXX. They also ignored my 2nd letter. The accounts that were included in both letters were \n\n1. XXXX  balance $XXXX and account number  XXXX\n2. XXXX balance $XXXX  and account number  XXXX\n3. XXXX  balance $XXXX  and account number  XXXX\n4. XXXX  balance $XXXX and account number  XXXX\n5. XXXX XXXX balance $XXXX  account number 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