vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
HELLO, MY NAME IS XXXX, AND I WANTED TO INFORM YO WHATS GOING ON. SO MY INFORMATION I THINK SOMEONE SED IT TO CREATE THIS INQUIRES ON MY NAME AND I DONT KNOW WHO IS IT, THE ONLY THING I REMEMBER IS SEEING A MASSAGE SAYING THAT MY INFORMATION MIGHT BE LEAKED AND PEOPLE MIGHT HAVE BEEN USING IT. SO THIS ARE THE INQUIRES, HERE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I HOPE THIS INFORMATION IS NEEDED FROM YOU AND YOU CAN HELP ME, I REALLY THANK YOU AND WAITING TO LISTEN TO GOOD NEWS, THANK YOU SO MUCH.

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 2025-08-08 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: 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  XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX-, Date Opened : XXXX, Balance : {$470.00} XXXX  - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$1900.00} XXXX XXXX XXXX  XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$1800.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$550.00} XXXX XXXX XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$2500.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$1300.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Good day, This matter is both frustrating and debilitating. I have been wrongfully burdened with an unverified debt that is not mine, while enduring harassment through multiple communication channels and tactics. Receiving threats of legal action over a debt I do not owe is not only unacceptable, but also a blatant violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

This situation is causing significant distress, including ongoing stress and loss of sleep.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please accept this complaint as the dispute on the accounts that appeared due to fraudulent actions. I hope for your immediate action, as these items affect my life. I have been disputing these accounts with you for a decent amount of time and so far you are still reporting them which are violations of my rights as a consumer, so I had to submit this complaint on your company. Under the FCRA 605b, each fraudulent item should be deleted/ blocked immediately. The following items opened/used by a different person or group of the people, I never used and authorized them : Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name : 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 2025-08-08 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: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

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 2025-08-08 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: CBC Companies, Inc.
State: OH

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: AR

Complaint narrative:
As of earlier this week XX/XX/XXXX. Had the remainder of some deposits finish going good in my checking account with Charles Swaab in the amount of a little over $ XXXX. But earlier in the week also XX/XX/XXXX they have locked my account down and I have been on the phone with them at least once to twice daily trying to get information and answers and resolution. Have not been able to access my account or funds either one. Which the funds in the total of $ XXXX have shown to go/be good on there end as well. Which i have absolutely no access to because when they locked down the account they have totally taken away the fact that I can't sign in to see anything but they are also holding money that is legitimately mine from me. Feeling like they are holding me hostage from what's rightly mine. This particular department has absolutely no contact information or anyway to get a hold of them. My only options which I have been using religious is to call the Customer Sevice number which I have done multiple times. And even internally with them they have admitted the only way they can contact this department even internally amongst themselves is only by email. They said they have sent numerous emails ( every time I have talked to them this week. ) complete with my phone number to even reach out to me. I have yet to hear anything and it's been almost a week now. Are they even reading or seeing these emails? All customer service can tell me is that it looks like its at the tail end of the review. But been hearing this same story also for a week now. And still haven't heard a thing from anyone. I am needing my account unlocked and access to these funds that are rightfully mine. I feel like they have stolen from me from all this dragging on for so long now. Not to keep dragging this out till who knows when. And denying me access to what's legally mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: NJ

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-08-08 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: DE

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/XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX I Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: CT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX 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 XXXX 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 explanation
Consumer complaint received 2025-08-08 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: TX

Complaint narrative:
I did not apply for these accounts. They are not mine, and I request their removal within the XXXX window per USC 1681g . Ive included evidence for review.

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 2025-08-08 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: GA

Complaint narrative:
Upon reviewing my recent credit report, I identified several inaccuracies associated with the following account : " XXXX XXXXXXXX XXXX XXXX XXXX XXXX '' This erroneous information is negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, I am entitled to dispute any information I believe to be inaccurate or incomplete. I am formally requesting that you investigate this account to verify its accuracy. 
Please conduct a thorough investigation and provide written confirmation of the results. If the information can not be verified, it must be removed from my credit 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 explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I Recntly reviewed a copy of my credit report I have fraudulent activity on my credit report. please remove these accounts from my report they are hurting my ability to obtain 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 2025-08-08 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. A couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. A couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/year>, a fraudulent wire transfer of {$19000.00} was initiated from my Chase account ( Case # XXXX ) without my knowledge or consent. This was : The first wire transfer ever from this account ( should have triggered fraud review ). 
Reported within XXXX hours by phone and in person the next day at a Chase branch. 

XXXX. Chases Illegal XXXX Refusal to Refund Despite federal law requiring resolution within XXXX XXXX  XXXX  ( Regulation E, 12 CFR 1005.6 ), Chase has XXXX Failed to issue provisional credit for XXXX  XXXX, claiming they are " waiting for XXXX Bank XXXX XXXX This is illegalbanks must refund first, then pursue recovery. 

Chase has : Claimed an OTP was sent ( never received it ). 
Alleged a " device linked since XX/XX/XXXX '' was used ( no such device exists and chase did not provide from which devices the accounts were accessed before XX/XX/XXXX ). 

XXXX. Chases Security Failures No Fraud Detection for First-Time Ever Wire Transfer {$19000.00} wire to a new payee ( XXXX XXXX  XXXX should have triggered : Manual review under XXXX rules XXXX 
Behavioral biometrics flagging it as anomalous. 

A XXXX hold for first-time wires ( standard industry practice ). 

Chases systems failed completely. 

B. XXXX XXXX XXXX XXXX XXXX alerts were received ( despite enrollment under the user for the account ). 
No XXXX  challenge was presented ( Chase claims otherwise but provides no proof ). 

FFIEC violation : Banks must verify alerts reach customers. 

XXXX XXXX Wire Transfer Limits Chase refuses to allow customers to set wire limits, enabling this fraud. 

XXXX. Demand for Withheld Evidence Chase must provide within XXXX XXXX  : XXXX XXXX : XXXX  XXXX logs ( XXXXe ) proving delivery. 
Timestamp and destination phone number. 

XXXX XXXX : Device ID ( IMEI/MAC address ) allegedly used. 
IP address + geolocation ( from XXXX XXXX XXXX XXXX ). 
Full session logs ( logins, transactions ). 

Email Alert Proof : Full SMTP headers ( Message-ID, server IPs, delivery timestamp ).

Written Explanation : Why no provisional credit was issued within 10 days. 
Why fraud detection missed this transfer. 

XXXX. Legal Violations Regulation E ( 12 CFR 1005.6 ) : No provisional credit in 10 days.

UCC 4A-202 : Chase can not prove authorization.

FFIEC Guidelines : Failed to detect fraud or verify alerts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: VA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: TX

Complaint narrative:
I a submitted a complaint and all XXXX companies removed there hard inquiries from my XXXX  report but not my XXXX XXXX and experian.

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 2025-08-08 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: VA

Complaint narrative:
I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items.

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 2025-08-08 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: VA

Complaint narrative:
I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items.

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 2025-08-08 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: LEXISNEXIS
State: IA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation