vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 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: TX

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of 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 2025-04-26 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of 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 explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.

Complaint narrative:
On XX/XX/year>, I deposited {$4100.00} at the XXXX ATM on XXXX XXXX XXXX. The ATM gave an error and issued a ticket asking me to call a number to make sure my money had been deposited. Upon speaking with the representative, he told me they would give me temporary credit until the situation was resolved. To this day, I have not seen my temporary credit or the money I deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: MI

Complaint narrative:
I received a copy of my credit report and contacted each company in regards to the information they had but none was accurate to 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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing a complaint because my creditors are inaccurately reporting late payments on the following accounts : ending in XXXX, XXXX, XXXX, and XXXX. I have disputed these accounts directly with Experian, Equifax, and TransUnion, as well as with the furnishers. However, the late payments continue to be reported without proper verification or validation. 

Under 15 USC 1681s-2 ( a ), furnishers are required to report accurate information. Under 15 USC 1681i, credit bureaus must conduct a reasonable investigation within 30 days of receiving a dispute. Despite my formal disputes, neither the furnishers nor the credit bureaus have provided sufficient documentation to validate the late payments. 

I respectfully request the deletion of these inaccurate entries and enforcement action to ensure compliance with the Fair Credit Reporting Act ( FCRA )

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing a complaint because my creditors are inaccurately reporting late payments on the following accounts : ending in XXXX, XXXX, XXXX, and XXXX. I have disputed these accounts directly with Experian, Equifax, and TransUnion, as well as with the furnishers. However, the late payments continue to be reported without proper verification or validation. 

Under 15 USC 1681s-2 ( a ), furnishers are required to report accurate information. Under 15 USC 1681i, credit bureaus must conduct a reasonable investigation within 30 days of receiving a dispute. Despite my formal disputes, neither the furnishers nor the credit bureaus have provided sufficient documentation to validate the late payments. 

I respectfully request the deletion of these inaccurate entries and enforcement action to ensure compliance with the Fair Credit Reporting Act ( FCRA )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: IL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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. This fraudulent, inaccurate, and false information consists of a ACCOUNTS- XXXX  XXXX XX/XX/XXXX, XXXX OPENED XX/XX/XXXX, XXXX XXXX OPENED XX/XX/XXXX, XXXX OPENED XXXX INQUIRIES XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX under the account number ( private ), and a collections account opened at XXXX Associates on XX/XX/XXXX with a balance of $ ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit 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 2025-04-26 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: OH

Complaint narrative:
These Student Loans are unauthorized i have not attended school for these years i was incarcerated and convicted of XXXX during these years and was uneligible to recieve any student loans or aid. I have recently been released from prison From XXXX XXXX- XX/XX/XXXX. 

There should not be any collections or payments on my account that were not authorized by me. It shows that i have a XXXX in loans that were sent to collections with derogatory accounts. With some saying paid and others stating differently. Stating that these accounts were open XXXX XXXX, XXXX. Which could not be possible if i was incarcerated. 

My address and work history is False on these accounts as well.

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: LA

Complaint narrative:
I am filing this complaint because EdFinancial Services is reporting inaccurate information tied to a fraudulent school. The institution connected to this loan provided no certified instruction, awarded no valid certifications, and is under federal investigation. The account reporting reflects incorrect payment history, incorrect last activity date, and unverifiable information. I requested deletion under the FCRA due to the furnishing of inaccurate and unverifiable information. This reporting is causing ongoing harm. I demand permanent deletion of this account from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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:
On XX/XX/year>, I submitted a formal written dispute to Equifax regarding inaccurate reporting of a late payment on my credit file for the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX In my letter, I specifically requested : Proof that the alleged late payments actually occurred. 

A full description of the procedure used to verify the accuracy of the reporting. 

Deletion of the late payment history if validation could not be provided. 

An updated copy of my credit report reflecting corrected information. 

As of today 's date, Equifax has failed to provide verifiable proof of the late payment ( s ) or correct the inaccurate information. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires a credit bureau to properly investigate and remove any unverifiable or inaccurate information within 30 days. 

The continued reporting of this unverifiable late payment is harming my creditworthiness and causing financial injury. Under FCRA guidelines, unverifiable or inaccurate information must be promptly deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX, my debit card was rejected due to insufficient funds at my pharmacy. Upon my caregiver 's return home, empty handed, I found my account had been drained. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I live in XXXX, Arizona. 
My account reflected use in XXXX, California ( XXXX dollars! ) and XXXX XXXX, Nevada. ( Atm withdrawals of XXXX, not including atm fees. That they still have NOT removed. ) I called Chase immediately to file a claim. While the person was helpful, they mislead me on how soon this would be resolved. They told me that it would take only hours to credit me back, as this was clearly fraud. We also filed a police report. 
On XX/XX/XXXX, when my caregiver returned, we found there was still no credit. We called back. Apparently, they denied the XXXX XXXX charges because it was " impossible '' for someone else to have my debit card and enter the pin correctly. Again, I am XXXX XXXXnd in XXXX. I was then told that a temporary credit would be on my account for the non-ATM charges, by end of day or " maybe Monday ''. 
On XX/XX/XXXX, my caregiver and I called back. This time we were told " by XXXXXXXX XXXX  '' for a " temporary credit '' of XXXX dollars. I was absolutely robbed if almost XXXX XXXX dollars, and Chase as an entity could not care less. The people are very kind on the phone, but the entity that is Chase is monstrous.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt. Thank you.

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 2025-04-26 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: CA

Complaint narrative:
I am submitting a formal complaint regarding inaccurate, inconsistent, and incomplete information appearing on my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ) and 609 ( a ) ( 1 ), and Metro 2 compliance standards. 

On XX/XX/year>, I submitted a formal dispute directly to the credit reporting agency, identifying multiple accounts with inaccurate and inconsistent reporting across Experian, Equifax, and TransUnion. The issues include conflicting Dates of Last Activity, inconsistent High Credit amounts, differing Credit Limits, incorrect Past Due balances, and illegal double reporting where balances were reported after charge-off while collection accounts also reported.

I formally requested the Method of Verification ( MOV ) under FCRA 611 ( a ) ( 6 ) for each disputed account. The credit reporting agency failed to properly respond within the required 30-day timeframe. No MOV was provided, no documented proof was offered, and no reasonable investigation was completed, which violates the duty to investigate under FCRA 611 ( a ) ( 1 ) ( A ). 

On XX/XX/year>, I filed a second dispute addressing the same unresolved issues. I have attached copies of the original dispute letters submitted on XX/XX/year> and the second disputes filed today. 

Pursuant to FCRA 611 ( a ) ( 5 ) ( A ), any information that can not be verified with full accuracy, completeness, and consistency must be permanently deleted. Their failure to properly reinvestigate, failure to provide a valid Method of Verification, and failure to delete unverifiable information constitute willful and negligent noncompliance under FCRA 616 and 617.

I am requesting that the CFPB intervene and require the credit reporting agency to immediately delete all inaccurate and unverifiable information from my consumer reports as the appropriate and lawful resolution. Continued retention of this unverifiable and inconsistent information is causing harm to my creditworthiness and violates my rights under federal 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 explanation
Consumer complaint received 2025-04-26 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Date of Birth : XXXX Inquiries Included in Dispute : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Date of Birth : XXXX Inquiries Included in Dispute : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2025-04-26 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: GA

Complaint narrative:
I made a phone call on XX/XX/XXXX & XX/XX/XXXX to have the XXXX inquiries below removed from my personal credit report as well as filed a formal dispute with Transunion, To date XX/XX/XXXX they are still showing on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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:
XXXX XXXX has not attended School These are Unauthorized Statements He Has Recently Been Released XX/XX/XXXX after doing XXXX years From XX/XX/XXXX. I have not opened any accounts. 

Credit report shows False addresses and employment information. 

Some accounts state paid for some say derogatory and unpaid.

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 2025-04-26 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: OH

Complaint narrative:
XXXX XXXX has not attended School These are Unauthorized Statements He Has Recently Been Released XX/XX/XXXX after doing XXXX years From XX/XX/XXXX. I have not opened any accounts. 

Credit report shows False addresses and employment information. 

Some accounts state paid for some say derogatory and unpaid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I scheduled an online bill payment for {$200.00} to my XXXX account to be paid on XX/XX/year>XXXX XXXX! Bank of America sent the payment to the wrong bank. It was sent to XXXX instead of XXXX. 
XXXX will not assist because we can not provide them with an account number. 
Cant give them something that doesnt exist. 
BOA has been cooperative but totally ineffective. They have sent me a copy of the cancelled check.

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 2025-04-26 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
To whom it may concern : I have emailed you earlier that I have been unable to work since XXXX of XXXX  ( no income ) * Also, this was a shared account therefore total balance is not mine. - * I am now receiving Social Security XXXX. After food, prescriptions & housing bills I'm unable to pay due to lack of funds I am very sorry. 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 2025-04-26 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: FL

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX closed accounts showing on my report self lead never did anything with this company XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation