vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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: SC

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-09 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 request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-12-09 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: NY

Complaint narrative:
On XXXX, I noticed that I had a personal loan reported on my credit report from XXXX XXXX XXXX for {$2400.00}, dated XX/XX/XXXX, along with an employer that was never mine, and a Georgia address that was never mine. The loan was also taken out in my maiden name, which is not my legal name anymore. I reported this as fraud to TransUnion, who investigated, and on XXXX reported back to me that the information was verified as " accurate ''. However, TransUnion agreed to remove the false employer and false GA address. I do not understand how you can acknowledge the employer and address were both false, but deem the personal loan taken out with said employer and address " verified as accurate ''. I reported this late afternoon on a Friday, XX/XX/XXXX and had a response back on Monday, XX/XX/XXXX. How thorough of an investigation was done here? 

In addition, I contacted XXXX XXXX XXXX who is mandating a police report for identity theft before they will even bother to investigate. They could not tell me where the loan was applied for, online or in person, and refused to give me any more information as I had declared this a fraudulent account. 

I called TransUnion a second time, and they referred me to this organization, identitytheft.org, and the police.

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 2025-12-09 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: MN

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Mercury Technologies, Inc.
State: DE

Complaint narrative:
Unresolved International Wire Transfer Request for Formal Response and Resolution. 

Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding an unresolved international wire transfer initiated from my Mercury Bank account to my account at XXXX XXXX. Despite multiple attempts to obtain assistance from the involved financial institutions, the issue remains unresolved, and the transferred funds have neither been received nor returned. 

XXXX. Background of the Transaction Originating Bank : Mercury Bank ( USA ) Receiving Bank : XXXX XXXX XXXX :XX/XX/XXXX XX/XX/XXXXDate of Transfer : XX/XX/year> Transfer Type : International wire transfer 2. Description of the Problem Mercury Bank executed the international wire transfer and later provided the XXXX XXXX message as confirmation. 

The funds were never received by XXXX XXXX. 

XXXX has informed me in writing that neither the bank nor its intermediary bank has received the funds. 

Mercury Bank submitted a wire recall request, yet they have received no response from the correspondent/intermediary bank. 

As of today, the funds have not been credited to my XXXX account nor returned to Mercury Bank. 


3. Requested Action I am requesting the CFPBs assistance in obtaining a formal and complete response from Mercury Bank, including : A full wire trace, identifying all correspondent banks involved. 

Confirmation of the current location of the funds. 

The status and results of the wire recall request. 

An explanation of the steps being taken to either deliver the funds to XXXX XXXX or return them to my Mercury Bank account. 


This situation has caused significant inconvenience and financial uncertainty, and despite repeated attempts, I have not received a satisfactory resolution from Mercury Bank. 

I kindly request the CFPBs intervention to ensure that Mercury Bank provides the required information and resolves this matter promptly. 

Thank you for your attention. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America has opened an investigation regarding my credit-card fraud claim, and I am cooperating fully. 

The fraudulent charges total {$2500.00} and include a {$500.00} XXXX XXXX XXXX purchased at XXXX and {$2000.00} in XXXX XXXX XXXX ( 4 {$500.00} ), all induced by criminal impersonation and deception. 

As part of Bank of Americas fraud response, replacement credit and debit cards have been issued. 

This incident is documented with : Federal Trade Commission Report # XXXX XXXXXXXX XXXX XXXX  Report # XXXX I am requesting CFPB assistance to ensure the investigation is documented and that a written determination is provided in compliance with Regulation Z.

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 2025-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
looking to validate debt. company isn't giving proof of debt. i have never worked with said company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
i have been teased with refinance loans and information to fill out yet be denied constantly because of credit score at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: TX

Complaint narrative:
Subject : Immediate Action Required - Dispute of Fraudulent Accounts I am writing to forcefully dispute the negative accounts appearing on my credit report, as these are clearly the result of identity theft. I have uncovered unauthorized transactions and accounts opened in my name without my consent. This fraudulent activity has severely damaged my credit and financial standing. 

I expect immediate action on this matter. Acknowledge receipt of this dispute without delay and provide a clear, firm timeline for resolution. You can contact me via the provided phone number or email address for any additional information, though I expect minimal delays.

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 2025-12-09 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: TX

Complaint narrative:
Subject : Immediate Action Required - Dispute of Fraudulent Accounts I am writing to forcefully dispute the negative accounts appearing on my credit report, as these are clearly the result of identity theft. I have uncovered unauthorized transactions and accounts opened in my name without my consent. This fraudulent activity has severely damaged my credit and financial standing. 

I expect immediate action on this matter. Acknowledge receipt of this dispute without delay and provide a clear, firm timeline for resolution. You can contact me via the provided phone number or email address for any additional information, though I expect minimal delays.

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 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
( Pursuant to 15 U.S.C. 1692c ( c ) ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date : XX/XX/year> Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX VA XXXX Notice to Cease Communication Pursuant to 15 U.S.C. 1692c ( c ) To Whom It May Concern : I am writing to you regarding the above-referenced account. Under my rights provided by the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692c ( c ), I hereby demand that you cease all communication with me concerning this alleged debt.

This includes, but is not limited to : * Phone calls * Letters or mailed notices * Emails * Text messages * Any other form of contact You are further notified that you may not contact me at my home, workplace, or by any other means except as permitted by 15 U.S.C. 1692c ( c ), which allows contact only to inform me that : 1. You are terminating further attempts to collect the debt, 2. You may invoke specific remedies ordinarily invoked by debt collectors, or 3. You intend to invoke a specific remedy. 
Other than communications allowed under the statute, you must cease all attempts to collect this debt. 
If you believe you have contacted me in error, or if you intend to pursue further collection activity otherwise permitted by law, such notification must be made in writing only. 
Please also note that any violation of this cease-communication demand may constitute a violation of the FDCPA and result in your liability for damages, fees, and statutory penalties. 
Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Name XXXX XXXX Email : XXXX Issue : Chase Bank placed an extended hold on a legitimate check I deposited from XXXX XXXX. The reason appears to be unrelated prior returns caused by a typo and not fraud or insufficient funds. Chase is refusing to escalate the review or provide transparency, causing serious financial harm. 

Details : I deposited a check from a known sender at XXXX XXXX. Chase immediately placed a hold and informed me the funds may not be available for 7 days. This is far beyond normal Reg CC timelines. 

Chase staff indicated the reason is because XXXX previous, small checks from this same sender were returned but those returns were caused by an address typo, not for NSF, fraud, or any risk-related issue. These were administrative errors, not indicators of account misuse or suspicious activity. 

The sender has confirmed that his bank already verified the payment with him, he approved it, and the funds have already been released from his side. Despite this, Chase is still refusing to expedite or re-review the hold. 

I escalated to a supervisor in the Fraud and Check Hold department. I politely requested an escalation to the Senior Risk Operations Team for a hold review, since the check has already been verified as legitimate. The supervisor refused to escalate the hold. I then asked him to document this refusal in the account notes and read back what he entered, so I could ensure accuracy. He refused to read the notes or confirm what was recorded. This lack of transparency is extremely concerning and leaves me with no internal resolution path. 

This delay is preventing me from accessing my own money and is causing real financial hardship. Chase has not provided any legally valid reason to extend the hold beyond normal regulatory timelines. 


I am concerned that Chase is improperly using unrelated administrative check returns as justification for extended holds, which may violate Reg CC requirements What I want : I request that Chases Executive Office review this case immediately, release the held funds, and provide a clear explanation for why a legitimate check with verified funds is being delayed based on irrelevant administrative returns. I also request that Chase be required to document accurate and transparent account notes when a customer disputes a hold. 

Company : JPMorgan Chase Bank, N.A..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint against my loan servicer, XXXX, for inaccurately reporting multiple late payments on my credit report. 

I was repeatedly told by loan officers at XXXX that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with XXXX, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: OR

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it 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 non-monetary relief
Consumer complaint received 2025-12-09 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: IA

Complaint narrative:
1PERSONAL INFORMATION CLEANUP Experian is reporting several name and address variations that are inaccurate or outdated. 
Please retain only : Correct Name : XXXX XXXX XXXX Correct Address : XXXX XXXX XXXX, XXXX XXXX, IA XXXX Please delete all older names and addresses listed in your file. 
XXXX XXXX ACCOUNT INACCURATE Experian reports a {$0.00} balance, but XXXX  reports {$52.00}, creating a conflict that violates : FCRA 1681e ( b ) maximum possible accuracy FCRA 1681i ( a ) ( 1 ) ( A ) duty to reinvestigate I request a complete reinvestigation and correction or deletion.

3HARD INQUIRIES REMOVE UNAUTHORIZED ( A/B/C )

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 2025-12-09 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:
See the attached FTC report on identity theft by the furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: NY

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-12-09 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: VA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-09 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:
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 id-entity 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 explanation