vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Any deviation from Metro 2 or FCRA standards jeopardizes the integrity of the data you report. This is a serious compliance issue. I demand that all information you report is accurate, fully verified, and properly formatted. The claims listed in your report are disputed and remain unconfirmed.

I am formally requesting that you DELETE all false and unverifiable accounts from my credit report immediately. If left unresolved, these errors could cause serious financial harm. I will not accept anything less than 100 % factual accuracy. Only fully verified, lawfully reported, and Metro 2-compliant data should appear on my report.

Accounts being challenged : XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXX XXXX Both accounts are factually and legally impossible. You can not list an account as Current while also reporting multiple 90-day and 120-day late payments. That directly violates Metro 2 formatting logic and FCRA 1681e ( b ), which requires data to be reported with maximum accuracy.

This contradictory information is incomplete, unverifiable, and materially misleading. DELETE these accounts unless you can provide complete, matching verification of both account status and delinquency history across all three CRAs. Under FCRA 1681i ( a ), you are required to reinvestigate and correct inaccurate or unverifiable data.

Additionally, I demand you provide documented proof of a legitimate, lawfully authorized purpose for reporting these accounts. If you fail to comply, I expect immediate deletion of any unverified or false reporting made against me without full legal basis.

I am also aware of your potential use of automated or pre-scripted form letters in response to consumer disputes, which may violate FCRA 1681i. Each dispute must be addressed individually on its own merit. If you disregard the content or source of my dispute letters, this could be considered a willful violation of my rights under federal law. I reserve the right to escalate this matter legally.

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 2025-06-12 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: MS

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MA

Complaint narrative:
XXXX has charged off my loan account and written it off as " profit and loss '' on their taxes. The company is reporting a balance to XXXX XXXX and XXXX  of {$1400.00} as of today. I have not received a 1099-C for my tax purposes and credit reporting from XXXX/FifthThird Bank .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GREENSKY OPERATIONS, LLC
State: MA

Complaint narrative:
XXXXeensky has charged off my loan account and written it off as " profit and loss '' on their taxes. The company is reporting a balance to XXXX, XXXX, and XXXX of {$1400.00} as of today. I have not received a 1099-C for my tax purposes and credit reporting from GreenskyXXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: GA

Complaint narrative:
I am a victim of fraud and would like these inquiries removed immediately.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I Purchase a Truck on XX/XX/year> while i was in the XXXX XXXX XXXX XXXX XXXX I got my XXXX XX/XX/year>. I was officially out of the XXXXXXXX XXXX 

I signed a new Contract and joined XXXX XXXX XXXX XXXX, I send Chase Bank my New XXXX XXXX XXXX  and my XXXX showing that i was out of the XXXX with a break. 

Chace Bank replied and say I am not eligible to receive SCRA benefits on the loan because during the purchase i was on XXXX XXXX. 

They are violating my rights, If i get a XXXX and get out and rejoin they have to honor my SCRA benefits and lower my interest rate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$5200.00} XXXX  XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX. I am a victim of identity theft and found multiple accounts on my credit report that I did not open or authorize. I am requesting that the following accounts be blocked or removed under FCRA Section 605B XXXX XXXX XXXX  : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These accounts are not mine and are damaging my credit..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: NY

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

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXX XXXX XXXX NY XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$4400.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$44000.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$3300.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$930.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$4400.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2300.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$680.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$3800.00} INQUIRIES : XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I would like to introduce my self victim of crimes again against this criminal inside underground table workers & untrusting not knowing by me there names .my home were reported solded my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX Texas XXXX no money ever send to me or my picked credit Union since I where treated as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .. at this XXXX classed citizen try for me to move away from there XXXX XXXX XXXX XXXX XXXX all acts towards me only I handle my business, etc .. with the wrongfully thought workers were doing there jobs without privacy discrimination, etc... previously, a investigation I demens rewarded and etc ... and I will follow up for charges be interduces by either both state and federal intentionally volition there to this launches.. 
XXXX XXXX XXXX Unmarried & independences by uncooperative, etc .. contacts,..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: LA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I signed up for a Chase XXXX Credit card earlier this year to redeem a bonus of a companion pass and XXXX miles if I hit a spending threshold. I made sure I did, and then waited the 6-8 weeks for the promo to post to my XXXX account . Today I finally called to see the status, and I learned that a Rapid Rewards account that is NOT me is tied to my Chase XXXX credit card. This account is different than the one I provided upon sign-up, and is even listed on the back of my credit card, which confirms to me that they DID have the correct account info at one point. 

I have contacted Chase, XXXX, and then Chase + XXXX together on a merged call and Chase is trying to say that there is no fault on their end and unable to help me except submit a ticket that may or may not get resolved, and I'll hear back on via mail. 

Currently, someone who is not me have full access to my points and companion pass which is fraudulent. They have been wildly unhelpful and keep passing me around to different teams, and claiming XXXX needs to help with this but, at the end of the day, Chase is the one that put an incorrect XXXX Rewards number on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital One issued a cashiers check and sent it via their own XXXX  account, but it was lost in transit. They canceled the XXXX  claim without my consent and are now making me wait 90 days, even after I submitted a notarized affidavit. This delay is due to their internal mishandling, and it is causing me financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: FL

Complaint narrative:
To date, neither the credit reporting agencies, the data furnishers, nor the originating creditors have provided any sufficient documentation to prove that the reporting of these accounts is lawful, accurate, or authorized. No contract, original source records, or permissible purpose disclosures have been produced. 
As such, under the doctrine of estoppel by silenceas upheld in Engelhardt v. Gravens ( Mo ) XXXX S.W. XXXX, XXXX failure to respond with legally sufficient evidence constitutes a legal presumption that no such proof exists, and therefore no lawful basis for reporting remains. 
Accordingly, these accounts must be removed immediately and permanently from my credit file.

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 2025-06-12 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: GA

Complaint narrative:
Credit report shows old pending balances with XXXX  XXXX and its wrong. Not sure what else it shows but accounts have been paid for years.

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 2025-06-12 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: GA

Complaint narrative:
Credit report shows old pending balances with XXXX  XXXX and its wrong. Not sure what else it shows but accounts have been paid for years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-12 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: AZ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding unresolved disputes and their failure to comply with the Fair Credit Reporting Act ( FCRA ). 

As of today, I have submitted four dispute letters concerning inaccurate and unverifiable information on my credit report. Despite my repeated efforts, they have failed to send me the results of their investigations or provide sufficient documentation proving the legitimacy of the debts in question. 

Specifically, I am disputing the following collection accounts : XXXX XXXX XXXX Account # XXXX Balance : {$860.00} XXXX XXXXXXXX XXXX XXXX Account # XXXX Balance : {$1600.00} In each dispute letter, I clearly stated that I have no contractual agreement with either debt collector. I requested proof from the original creditors that these collection agencies own the debt and have the legal authority to collect. To date, XXXX  has not provided this required documentation, nor have they deleted the accounts from my credit file, which is my right under the FCRA if verification can not be provided. 

Furthermore, XXXX  has failed to remove hard inquiries from my report that have already been removed by Experian and TransUnion, despite my requests and supporting documentation. 

This matter remains unresolved, and XXXX lack of response and action is a direct violation of my consumer rights under the 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 explanation
Consumer complaint received 2025-06-12 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: DC

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Shellpoint mortgage mismanaged by escrow account in 2024 by sending duplicate insurance payments. Then they raised my monthly payment significantly. I had to make manual payments until they corrected the issue, which took many months. During this time they also added legal fees to my account. Now they will not let me remove my insurance from escrow even though I have sent them proof that it has been paid in full for the entire year. They have mismanaged escrow and insist to keep my insurance on escrow. Shellpoint has very poor service, and no financial controls in place to catch and fix errros.

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