vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 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: PA

Complaint narrative:
I am filing a complaint to dispute several items that are being reported inaccurately on my credit file. These entries are not only misleading but also violate the Fair Credit Reporting Act ( FCRA ), and I am requesting that they be reinvestigated and removed. 
First, my report shows an inaccurate address : XXXX XXXX XXXX, XXXX XXXX, PA XXXXXXXX This address does not belong to me and must be deleted under FCRA 611 ( a ), 15 U.S.C. 1681i ( a ), which requires that only accurate information remain on a consumers file. 
I also noticed accounts reported as late closed that are not correct. These include XXXXXXXX XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$560.00}, XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing {$0.00}, XXXXXXXX XXXX, account number XXXXXXXX XXXX XXXX with a {$0.00} balance, and XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  also showing {$0.00} XXXX  XXXX Reporting these accounts in this way is misleading and violates FCRA 611 ( a ), FCRA 607 ( b ), and FCRA 623 ( a ) ( 2 ), which require maximum accuracy and proper updating of consumer data. 
In addition, I see charged-off accounts that are being misreported. This includes XXXX XXXXXXXX XXXX XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a {$0.00} balance and XXXX XXXX, account number XXXX with a balance of {$210.00}. These are being reported in violation of 15 U.S.C. 1681c-2 ( 605B ) and FCRA 611 ( a ) and must be removed from my file. 
There is also a collection account under XXXX XXXX XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a reported balance of {$440.00}. This collection is disputed, and its continued reporting violates 15 U.S.C. 1681c-2 ( 605B ). I request that it be deleted. 
Finally, I see unauthorized inquiries on my file. These include XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.These inquiries were not initiated or authorized by me and violate FCRA 619, 15 U.S.C. 1681q and FCRA 604 ( a ), 15 U.S.C. 1681b ( a ). They must be removed from my record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: PA

Complaint narrative:
I am filing a complaint to dispute several items that are being reported inaccurately on my credit file. These entries are not only misleading but also violate the Fair Credit Reporting Act ( FCRA ), and I am requesting that they be reinvestigated and removed. 
First, my report shows an inaccurate address : XXXX XXXX XXXX, XXXX XXXX, PA XXXXXXXX This address does not belong to me and must be deleted under FCRA 611 ( a ), 15 U.S.C. 1681i ( a ), which requires that only accurate information remain on a consumers file. 
I also noticed accounts reported as late closed that are not correct. These include XXXXXXXX XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$560.00}, XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing {$0.00}, XXXXXXXX XXXX, account number XXXXXXXX XXXX XXXX with a {$0.00} balance, and XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  also showing {$0.00} XXXX  XXXX Reporting these accounts in this way is misleading and violates FCRA 611 ( a ), FCRA 607 ( b ), and FCRA 623 ( a ) ( 2 ), which require maximum accuracy and proper updating of consumer data. 
In addition, I see charged-off accounts that are being misreported. This includes XXXX XXXXXXXX XXXX XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a {$0.00} balance and XXXX XXXX, account number XXXX with a balance of {$210.00}. These are being reported in violation of 15 U.S.C. 1681c-2 ( 605B ) and FCRA 611 ( a ) and must be removed from my file. 
There is also a collection account under XXXX XXXX XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a reported balance of {$440.00}. This collection is disputed, and its continued reporting violates 15 U.S.C. 1681c-2 ( 605B ). I request that it be deleted. 
Finally, I see unauthorized inquiries on my file. These include XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.These inquiries were not initiated or authorized by me and violate FCRA 619, 15 U.S.C. 1681q and FCRA 604 ( a ), 15 U.S.C. 1681b ( a ). They must be removed from my record.

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 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year>, I made an ACH payment of {$4500.00} from my business checking account at Chase Bank to a supplier ( XXXX XXXX XXXX, based in Delaware ) for a wholesale order. 

The supplier repeatedly promised that the order would ship the next day, but as of today ( over XXXX month later ), no shipment, tracking number, or refund has been provided. I followed up multiple times by email, but the supplier only sent excuses and never delivered the products.

I contacted Chase to request assistance and asked if the ACH payment could be reversed or refunded as fraud. Chase told me that because it was an ACH, nothing could be done, and they closed my request. I specifically asked for options for fraud recovery or escalation, but no meaningful resolution was offered.

I have since discovered numerous other complaints against this same supplier, including reports of similar fraudulent behavior on the Better Business Bureau ( BBB ) website, where many other businesses describe paying thousands of dollars for products that were never delivered.

This is a clear case of fraud and mishandling of an ACH transaction. I am seeking CFPBs assistance to require Chase to investigate this matter seriously and provide a path for recovery of the {$4500.00} that was lost due to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am submitting this complaint to formally request the immediate blocking and deletion of fraudulent accounts appearing on my credit report, which were created using my personal information compromised in the Equifax data breach. Despite submitting a detailed dispute letter to the credit bureauincluding proof of identity theft, a list of unauthorized accounts, and personal identifiersthey have failed to take appropriate action within the timeframe required by the Fair Credit Reporting Act ( FCRA ) 1681c-2 ( a ). These fraudulent accounts continue to harm my credit profile and violate my rights under federal law. I am asking the CFPB to investigate this matter and compel the bureau to permanently remove the disputed items, provide written confirmation of the actions taken, and ensure full compliance with the FCRA and other applicable consumer protection statutes. This issue poses an ongoing threat to my financial security and demands urgent resolution. 

XXXXXXXX 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 XXXXXXXX The XXXX  breach has created a persistent threat to my financial security

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 2025-09-11 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:
Unauthorized inquiries are still on my credit report today, and I can not understand why. Even after refreshing, nothing changed. I am extremely frustrated and demand that the documents I sent be fully reviewed immediately so I can stop worrying about this.

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 2025-09-11 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: TX

Complaint narrative:
I just saw that the inaccurate late payments are still on my credit report today, and Im at a loss as to why. Refreshing my browser didnt fix it, and this is extremely frustrating. I need the documents Ive provided to be reviewed thoroughly so this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
I recently noticed accounts on my credit and called the company, the representative only told me that they have been trying to collect a debt. This is a result of identity fraud and I did not give my permission for these accounts nor did I give permission to report under my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES 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 XXXXXX/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 2025-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error - ( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 
The items below should all be updated to paid as agreed on. 

XXXXXXXX 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. 

As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because I've been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney General 's Office, Better Business Bureau, and Federal Trade Commission ).

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 2025-09-11 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX -Date Opened XX/XX/XXXX Account Name : XXXX  XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/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 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Comerica
State: MI

Complaint narrative:
I can not list one date in particular ever since I have had direct express as the banking comp .. for my social security problems with disputes as well as accounts opened have been a problem. There was someone that called and I was not ready for shat they wanted to do I've got YEAR '' XXXX '' of disputes that alot have been denied however I wouldn't dispute them if they were not disputes AND they have another account in my name and I have it the numbers to that account where the denial disputes some were going in that account and not my every day account the account go into they think it's hidden and is not. There is Soo much that I would have to sit down with someone and discuss it not over the phone. I would like to arbitrate this. And some banks arbitrate I would show them exactly wear its going wrong also there are a couple accounts that I believe are opened and sometimes those accounts I get their statement even though they are similar to mine identity theft is going on anyways I'd like to arbitrate please I have many files they will be produced when I arbitrate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX  data breach has affected my credit report Accounts with Past Due/ Negative Status XXXX. XXXX XXXX Revolving credit card Balance : {$1100.00} Status : 30 days past due ( last updated XX/XX/XXXX ) XXXX XXXX XXXX XXXX Revolving credit card Balance : {$300.00} Status : Recently past due ( XXXX = XXXX  days, XXXX = 60 days late ), but now showing Current as of XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  Credit card Balance : {$190.00} Status : Had late payments ( XXXX & 60 days in XXXX XXXX ) but now marked Current as of XX/XX/XXXX Charged-Off / Collection Accounts ( historical negative marks ) XXXX XXXX XXXX Paid collection ( originally went to collections, paid in full, remains until XX/XX/XXXX ) XXXX XXXX XXXX XXXX Charge-off, later paid in full ( XXXX XXXX XXXX XXXX XXXX XXXX Penney Charge-off, later paid ( remains until XX/XX/XXXX XXXX USAA Credit Card Charge-off, later paid ( remains until 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 2025-09-11 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: MI

Complaint narrative:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
XXXX. 
XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX. 
XXXX Account XXXX : XXXX XXXX. 
XXXX XXXX Account Number : XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action 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 2025-09-11 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX -Balance {$8400.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX XXXX XXXX XXXXBalance {$6700.00} -Date Opened XX/XX/XXXX Account Name : XXXX # XXXX -Balance {$320.00} -Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX  XXXX # XXXX -Balance {$5000.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -Balance {$510.00} -Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX -Balance- {$110.00} -Date Opened XX/XX/XXXX Account Name : XXXX # XXXX -Balance {$5100.00} -Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2025-09-11 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 hope this message finds you well. 
I am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.

As per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.

In light of these regulations, I must highlight that XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XX/XX/XXXX {$33000.00}, XXXX  XXXX {$22000.00}, ( Original Creditor : ) XX/XX/XXXX {$1500.00} has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information. 
I kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward. 
Thank you for your attention to this matter. I look forward to your prompt 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 2025-09-11 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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