vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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: NJ

Complaint narrative:
( NAME ), ( SSN ), ( DOB ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : ( ACCOUNT and ACCT number ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( FTC NUMBER ) as proof from the XXXX Federal Trade Commission that all 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 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 non-monetary relief
Consumer complaint received 2025-06-02 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: NC

Complaint narrative:
I am requesting the removal and blocking of fraudulent accounts added after a data breach compromised my personal information. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), please act within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX NC XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$27000.00}

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 2025-06-02 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:
Please remove the following Items : - ADDRESSES : - XXXXXXXX XXXX XXXX XXXXXXXX UT XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had not checked my Credit report in a long time. I went to Bank and was informed of these items. I dont know who could have done this. This is Identity theft and a nightmare.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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:
Please remove the following Items : - ADDRESSES : - XXXXXXXX XXXX XXXX XXXXXXXX UT XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had not checked my Credit report in a long time. I went to Bank and was informed of these items. I dont know who could have done this. This is Identity theft and a nightmare.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: IA

Complaint narrative:
SEE ATTACHED FACTUAL DISPUTE WITH XXXX nconsistent Balance & High Balance Reporting The high balance and activity dates differ across the credit bureaus, which violates the requirement under FCRA 1681s-2 ( a ) ( 1 ) ( A ) that all reported information be accurate and consistent. 

This undermines the reliability of the data furnished and falsely inflates my risk profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: IA

Complaint narrative:
SEE ATTACHED FACTUAL DISPUTE WITH XXXX nconsistent Balance & High Balance Reporting The high balance and activity dates differ across the credit bureaus, which violates the requirement under FCRA 1681s-2 ( a ) ( 1 ) ( A ) that all reported information be accurate and consistent. 

This undermines the reliability of the data furnished and falsely inflates my risk profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXXXXXX XXXX XXXX XXXXXXXXVERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: GA

Complaint narrative:
Im reaching out to dispute fraudulent accounts resulting from a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX GA XXXX Please delete and block the following accounts from my credit report Accounts 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: GA

Complaint narrative:
Im reaching out to dispute fraudulent accounts resulting from a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX GA XXXX Please delete and block the following accounts from my credit report Accounts 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been disputing this INACCURATE REPORTING issue with Possible since XXXX of XXXX  in which they continue NOT TO provide ANY PROOF of DELINQUENCY which has cost me jobs, vehicles and a home. I have been living on my own since I was XXXX XXXX XXXX with no help and in addition this has caused me various XXXX  and XXXX issues. 
I have not been able to get employment, an education, a car or a home. They have caused me over a half a XXXX dollars in lost wages and other costs.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been disputing this INACCURATE REPORTING issue with XXXX  since XXXX of XXXX  in which they continue NOT TO provide ANY PROOF of DELINQUENCY which has cost me jobs, vehicles and a home. I have been living on my own since I was XXXX XXXX XXXX with no help and in addition this has caused me various XXXX XXXX XXXX issues. 
I have not been able to get employment, an education, a car or a home. They have caused me over a half a XXXX dollars in lost wages and other costs.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been disputing this INACCURATE REPORTING issue with XXXX  since XXXX of XXXX in which they continue NOT TO provide ANY PROOF of DELINQUENCY which has cost me jobs, vehicles and a home. I have been living on my own since I was XXXX XXXX XXXX with no help and in addition this has caused me various XXXX  and XXXX  issues. 
I have not been able to get employment, an education, a car or a home. They have caused me over a half a XXXX dollars in lost wages and other costs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am victim of fraud from XXXX XXXX an XXXX XXXX employees

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
THE LISTED INQUIRIES ARE NOT AUTHORIZED OR WERE FRAUDULENT DUE TO ME LOSING MY PURSE WITH MY IDENTIFICATION IN IT THE YEAR OF XXXX : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, 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 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, AND XXXX XXXX XXXX XX/XX/XXXX. I WAS INFORMED TO COMPLETE A FTC REPORT INREGARDS TO HAVE THEM DELETED FROM MY CREDIT REPORT I REACHED OUT TO TRANSUNION, EXPERIAN AND EQUIFAX AND NO RESOLUTION HAS BEEN MADE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: FL

Complaint narrative:
THE LISTED INQUIRIES ARE NOT AUTHORIZED OR WERE FRAUDULENT DUE TO ME LOSING MY PURSE WITH MY IDENTIFICATION IN IT THE YEAR OF XXXX : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, 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 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, AND XXXX XXXX XXXX XX/XX/XXXX. I WAS INFORMED TO COMPLETE A FTC REPORT INREGARDS TO HAVE THEM DELETED FROM MY CREDIT REPORT I REACHED OUT TO TRANSUNION, EXPERIAN AND EQUIFAX AND NO RESOLUTION HAS BEEN MADE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Meade Recovery Services, LLC
State: UT

Complaint narrative:
I went in for a XXXX XXXX. My insurance had always covered XXXX  100 %. I did not realize my new insurance did not cover my dentist. Dentist did not have my address and just found an old address. They called me several times but I thought it was to set up a new XXXX  and I did not answer. They sent the {$90.00} to debt collection. Meade Recovery services. When Meade called me I thought it was a scam, so called the dentist and figured out what had happened. I paid the dentist. Next time Meade called I told them it was paid. They would not take the receipt over text or email and wanted mail. They only gave me a XXXX XXXX XXXX So I sent it in the mail. But they keep calling and increasing the amount. They have called at least 15 times. I finally paid the {$130.00} they wanted to stop dealing with the harassment. And they sent me a receipt. By email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: MD

Complaint narrative:
I am writing to formally dispute the continued reporting of inaccurate and fraudulent information on my credit report and to express my deep concern over your repeated failure to properly investigate my claims of identity theft in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Despite providing Experian with proof of identity theftincluding documentation substantiating my identity and evidence showing that the account in question was fraudulently openedI have received no satisfactory resolution. Instead of removing the fraudulent debt from my credit report as required by law, you have merely closed the account, which does not remedy the damage to my credit standing. 

Furthermore, Experian has allowed XXXX XXXX XXXX to report false and inaccurate late payments, despite my numerous disputes and formal requests that you investigate this matter in compliance with FCRA Section 1681i ( a ), which mandates a reasonable investigation of disputed information. Your repeated closure of disputes without a proper investigation or resolution is not only negligent, but it also appears to be a violation of your duties under federal law.

Let me remind you that under FCRA 1681c-2 ( Section 605B ), once a consumer provides documentation of identity theft ( including a police report or FT
C Identity Theft Report ), a credit reporting agency must block the fraudulent information from appearing on the credit report within four business days. 

Additionally, the continued reporting of false late payments is having a materially damaging effect on my credit score and financial reputation. These derogatory entries are a result of negligent oversight and constitute ongoing harm. 



XXXX XXXX  balance {$1900.00} Updated on XX/XX/year> was closed and suppose to be removed. 

XXXX XXXX XXXX is suppose to be removed since inaccurate reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to 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 2025-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am filing this formal complaint regarding Chase Banks recent actions involving the abrupt closure of all of my personal bank accounts without proper justification or due process. On or about XX/XX/year>, Chase Bank closed my checking account and all related accounts, providing no reason other than the vague assertion that the bank no longer wishes to continue the financial relationship. 

At the time of account closure, my Chase account held a balance of {$2800.00}, which was emergency relocation assistance from my property manager due to a hardship and an emergency evacuation from an uninhabitable residence. These funds are critical to securing new housing and meeting my familys urgent needs. 

After learning of the closure : I called Chase customer service to inquire about the release of funds. I was told no additional details could be given. 
I visited XXXX physical Chase branches ( XXXX in XXXX, Texas and the other in XXXX XXXX, Texas ) to resolve the matter. Staff at both branches informed me they could not release the funds and offered no clear timeline or process for when I would receive my remaining balance. 

To date, Chase Bank has failed to : Provide a clear and lawful reason for the closure, Inform me of the process and timeline for returning my funds, Offer any assistance or communication pathway to resolve the hardship this has caused. 

The withholding of these funds, particularly during an emergency housing transition, is creating significant and unnecessary hardship. This situation may also violate banking regulations and consumer protections regarding the release of account balances upon closure.

I am requesting the following : 1. Immediate release and return of the full account balance of {$2800.00} ; 2. A written explanation for the closure of my accounts ; 3. Assurance that my consumer rights have not been violated ; 4. Any documentation or records that Chase used in their decision to close my accounts. 

Please consider this a formal complaint, and I respectfully request an investigation into this matter and the banks conduct.

Company response to consumer: Closed with explanation