vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 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:
CFPB Complaint FCRA Violations ( Sections 605C, 605B, 607, 611 ) Subject : TransUnion LLC Consumer Dispute Center, Equifax and LCI Consumer Center Failure to Honor Human Trafficking Documentation Request for Immediate Correction and Removal Nature of Complaint : I am submitting a formal complaint against TransUnion LLC Consumer Dispute Center, Equifax, and LCI Consumer Center Equifax Information Services LLC for failure to process my request for removal of adverse information related to confirmed human trafficking, in violation of the Fair Credit Reporting Act ( FCRA ), Section 605C and associated federal regulations under 12 C.F.R. 1022.142.

Despite submitting a properly completed and signed FCRA 605C Self-Attestation Form, along with documentation from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax claimed that proper documentation was not provided. This is false and inaccurate. 

Submitted Documentation Included : Self-Attestation Form ( FCRA 605C ) signed and dated Letter from XXXX XXXX XXXX Deputy Chief Assistant District Attorney, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC Identity Theft Reports ( IDs : XXXX and XXXX ) Police Report # XXXX documenting labor trafficking and fraud Evidence of financial harm, including returned fraudulent checks totaling {$4600.00} Security freezes in place with XXXX, XXXX, and XXXX Multiple change-of-address and dark web alerts ( indicators of identity fraud and trafficking-related manipulation ) Equifax 's TransUnion LLC Consumer Dispute Center, Equifax and LCI Consumer Center failure to recognize the legitimacy of my government-issued trafficking documentation and their refusal to remove the affected accounts directly violates : FCRA 605C Failure to block and remove adverse information for victims of trafficking FCRA 605B Failure to block identity theft-related information FCRA 607 ( b ) Failure to maintain maximum accuracy FCRA 611 ( a ) Failure to reinvestigate disputed accounts FCRA 611 ( a ) ( 7 ) Failure to provide Method of Verification when requested Specific Item in Dispute : XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  Reported ONLY on Equifax ( not found on TransUnion or Experian ) Balance : {$130000.00} Status : Open despite showing XXXX XXXX past due No credit limit reported, which contradicts a high balance Indicates a likely file merge error, fraudulent origin, or misreporting Equifaxs Response ( Dated XX/XX/year> ) : Equifax claimed that required documentation was missing, despite all required items being submitted and acknowledged through the CFPB portal and previous Equifax communications.

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 2025-06-28 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: LA

Complaint narrative:
I disputed XXXX XXXX XXXX XXXX to get deleted they verified as accurate but my payment history is inaccurate it's not complete how can you verify it as complete and accurate when it's not. They never looked at it. The cfpd is sueing Experian for this very reason they are not doing there job this needs to be looked at. 


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 2025-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
After several weeks of disputing my claim from American Express travel, they approved my claim and denial was overturned however, in order for me to receive a check, I need to forfeit my travel credits from XXXX how ever American Express travel are unable and jet blue arent able to forfeit the credits so I can receive a check from the claims department I have to wait until XX/XX/XXXX to receive a refund I have the claim adjusters name who approved my claim. And number XXXX ( XXXX ) XXXX American missed informed me thats why my claim was approved and overturned in my favor My purchase date was XX/XX/XXXX total of {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These debt collectors violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. XXXX parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( XXXX ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( XXXX ) and constitutes unjust business practices. Unjust business practices, third-party communication, and other violations caused by these debt collectors use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the XXXX XXXX XXXX have been filed, dispute letters have been mailed to this debt collector ; supporting documentation will be furnished.

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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has allowed XXXX to reinsert a previously deleted account on my credit report, reporting it as an open account with no payments since XXXX despite my prior disputes and supporting evidence that this account is not mine and has never been used. 

I have submitted proper dispute documentation, and Experian previously removed this account. However, it has reappeared on my credit report without : Proper reinvestigation under FCRA 611 ( 15 U.S.C. 1681i ) Written notice of reinsertion within 5 business days, as required under FCRA 611 ( a ) ( 5 ) ( B ) Verification of accuracy from the furnisher ( XXXX ) This account is not mine. I have never signed for, accessed, or received funds from XXXX. This unauthorized account is now being reported as open and delinquent, significantly damaging my credit score and affecting my ability to qualify for housing and credit. 

I demand Experian take immediate action to : Permanently delete the XXXX account from my credit report This has been since 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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Experian has allowed XXXX to reinsert a previously deleted account on my credit report, reporting it as an open account with no payments since XXXX despite my prior disputes and supporting evidence that this account is not mine and has never been used. 

I have submitted proper dispute documentation, and Experian previously removed this account. However, it has reappeared on my credit report without : Proper reinvestigation under FCRA 611 ( 15 U.S.C. 1681i ) Written notice of reinsertion within 5 business days, as required under FCRA 611 ( a ) ( 5 ) ( B ) Verification of accuracy from the furnisher ( XXXX ) This account is not mine. I have never signed for, accessed, or received funds from XXXX. This unauthorized account is now being reported as open and delinquent, significantly damaging my credit score and affecting my ability to qualify for housing and credit. 

I demand Experian take immediate action to : Permanently delete the XXXX account from my credit report This has been since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
i have received a document titled voluntary dismissal without prejudice from a court in FL referencing XXXX  XXXX XXXX as plaintiff and me as a defendant in some outstanding charges on a credit card. I never had any accounts with XXXX  XXXX XXXX. I reached out to an attorney who looked up the case and informed me that there was a credit card account opened with my name on it and three different addresses ( one in XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my home address in XXXX Nj. the letter I received was the first time i have ever heard of this issue. there were close to $ XXXX in charges on the account. this has negatively affected my credit score however this account never appeared in my credit karma account and i found the details on XXXX while a dealership ran my credit in process of leasing a car. i have no idea who this person is and i have no connection to this account or XXXX XXXX XXXX.i believe someone used my info to open the account

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 2025-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello I am in contract with a XXXX company and terms was 30 % advance for material that is {$3000.00} I sent it by wire and the receiver told me he didnt receive the wire I sent wire on XXXX XX/XX/year> and issue dispute on XXXX XX/XX/year> my bank give me the reference number for my wire dispute and say it will take 14 days its too much time I also made a contract with my client to supply that material on time but due to This delay of wire I dont know where is the wire right now after getting information about the wire I can talked to my supplier.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the debt you claim I owe and to address your unlawful collection actions. I do not acknowledge any debt to the following collection agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under 12 CFR 1006.34 ( b ) ( 5 ), I request complete validation, including the original creditor, account details, and a full itemization of all charges. A copy of the purchase agreement is also required to confirm your authority to collect. Ive filed a complaint with the CFPB over these issues.

I am revoking all permission to contact me by phone, email, or text. Only written communication is permitted. Your failure to properly notify me and allow dispute, as required by law, violates my rights. Furthermore, [ creditor_name ] is prohibited from reporting this debt without providing the necessary disclosures under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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:
This complaint is being filed to request that TransUnion block and remove fraudulent information from my consumer credit report in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). Under this provision, TransUnion is required to block such information within XXXX ( XXXX ) business days of receiving this notice. 

The information in question includes multiple unauthorized accounts and hard inquiries that were made without my knowledge or consent, and are the direct result of identity theft and fraud. The following accounts are fraudulent and must be deleted from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of the above accounts and inquiries are not mine. To support my claim, I have attached a copy of my FTC Identity Theft Report ( Criminal Complaint # ___ ) filed with the U.S. Federal Trade Commission, which confirms that these items are the result of identity theft.

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 2025-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
This concerns my checking account with Chase with the following account and routing numbers. 

Account number : XXXX Routing number : XXXX On XXXX XXXX XXXX and XXXX XXXX XXXX, my checkings account was drained. I had {$1500.00} in the checkings account. {$1000.00} got withdrawn in two transactions on XXXX XXXX XXXX, and the remaining {$500.00} on XXXX XXXX XXXX. I have neither made these withdrawals, nor have I authorized them. When I found out about these fraudulent withdrawals on XXXX XXXX XXXX after logging into my Chase online banking account, I immediately notified the fraud department. I have now received a letter stating that they deem the transactions to have been authorized transactions.

On XXXX XXXX XXXX, a tornado swept through my neighborhood in XXXX XXXX and caused devastating destruction. The tornado has been deemed a major federal disaster under FEMA by the president in the meantime. My apartment was deemed unsafe by the city and the landlord has told all the tenants that they can not access the building. I was forced to leave behind important documents ( that include PINs and passwords ), as well as credit and debit cards that I do not frequently use. I have become a victim of identity theft by someone who broke into the abandoned apartment. I told Chase about these circumstances to give them context. 

I have not been given a satisfying explanation as to why they believe the transactions were authorized. I would like Chase to provide the evidence they reviewed, as well as an accompanying commentary that documents why which evidence was deemed in the way that led to the final ruling.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am writing to formally dispute the debt you claim I owe and to point out multiple violations of consumer protection laws in your collection practices. I do not recognize any obligation to the following collection agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Pursuant to 12 CFR 1006.34 ( b ) ( 5 ), I request full debt validation, including the original creditors name, account number, total alleged balance, and an itemized statement of all fees, charges, and interest. I also request a copy of the purchase agreement between your agency and the original creditor to substantiate your authority to collect this debt. A complaint has been filed with the Consumer Financial Protection Bureau regarding these concerns.

Additionally, I hereby revoke permission for contact via phone, email, or text. All further communication must be in writing. Your failure to afford me a proper opportunity to dispute this debt, as required under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), is a violation of my rights. Your collection practices have been deceptive and lack required legal disclosures. Furthermore, it is unlawful for [ creditor_name ] to report this debt without providing the disclosures mandated by 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

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 2025-06-29 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: GA

Complaint narrative:
I have been a victim of Identity theft. I recently got my credit report and noticed these fraudulent accounts.

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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am completely broken I don't know what to do I received alerts about my SSN and personal information breached and sold on dark web. So I try logging in transunion and it says suspended. Everytime I get on phone with transunion to fix the issue I get hung up on. I was hung up on 3 times in one day consecutively. Now I'm still unable to see my transunion. Then I try logging into Experian and they won't let me log in until I pay {$26.00}. I've tried different links I'm completely shut out. So idk what's going on with my personal information or credit reports or inquiries. For all I know people are fraudulently opening accounts, forging my name, using my info to do whatever. I can not do nothing about it because the credit bureaus are not allowing me access. Please help I don't want my identity completely hyjacted.

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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am completely broken I don't know what to do I received alerts about my SSN and personal information breached and sold on dark web. So I try logging in transunion and it says suspended. Everytime I get on phone with transunion to fix the issue I get hung up on. I was hung up on 3 times in one day consecutively. Now I'm still unable to see my transunion. Then I try logging into Experian and they won't let me log in until I pay {$26.00}. I've tried different links I'm completely shut out. So idk what's going on with my personal information or credit reports or inquiries. For all I know people are fraudulently opening accounts, forging my name, using my info to do whatever. I can not do nothing about it because the credit bureaus are not allowing me access. Please help I don't want my identity completely hyjacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of collections and charge-offs in question as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and charge-offs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief