vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 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: MI

Complaint narrative:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX * * * * Balance {$270.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX * * * * Balance {$1800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX * * * * Balance {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$150.00} XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$500.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED 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 2025-04-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
i have submitted disputes to you and i didnt get response within XXXX  days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: HI

Complaint narrative:
Asked dealership for receipts of all payments made at XXXX XXXX XXXX, and why the dealership did not send any of my payments to Santander for the XXXX XXXX  XXXX XXXX, with the help of XXXX XXXX and his Financial Manager at the beginning of time. Santander leadership said they have never received a single payment I made at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. Their associates also tried telling me that I cant record any conversations I have with them while they record me, and I told them I can, and did. According to Hawaii State Law I can record any phone conversation as long as Im a part of it. Santander associates also said leadership declined working with me to find a solution that can make both parties happy, not just Santander whos been nothing but greedy manipulative scumbags.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I got robbed by someone on XXXX XX/XX/year> and he snatched my phone when i was using it that means my phone was unlocked that time and at the same day he erase my data as well make some transactions from my phone as all my banking apps are installed in that mobile phone and he make 4 zelle transactions from my Chase business account and 1 of them proceeded and 3 got cancelled. The 1 he made was of {$2500.00} and he also did wire transfer of {$7500.00} and same day i contact and make complaint to bank and ask them to block my cards and transactions but somehow he made these transactions and at the time of robbery i called police and file complaint but now bank is refusing to accept my dispute even though i provided them police report and make several calls to explain the whole matter and also they have the wire transfer details which they are still looking at and they refused my zelle dispute.I also contact zelle company but they said your bank will do something not us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear TransUnion Customer Service, My credit report indicates XXXX collection accounts from XXXX XXXX XXXX XXXXXXXX XXXX XXXX, which appear to be inaccurately reported or not in alignment with the information provided by other major credit reporting agencies, such as XXXX  and XXXX. An accurate credit history is crucial for my credit file, and this entry does not reflect the current status of my credit report. 

I have spoken with both collection agencies regarding my account. They confirmed that they had reported the latest updates to all three credit reporting agencies. However, I have noticed that my report on TransUnion has not been updated like it has with the other reporting agencies. This is very harmful to me and my creditworthiness.. 

I am requesting that the dispute status associated with my account in the XXXX XXXX XXXX collection account be removed. The ongoing designation as " disputed '' may negatively impact my credit standing.

The reporting of these items in violation of these codes : FCRA Section 607 ( 15 U.S.C. 1681e ), FCRA Section 609 ( 15 U.S.C. 1681g ), and FCRA Section 611 ( 15 U.S.C. 1681i ).

Thank you for your prompt attention to this urgent matter. I look forward to your response and resolution.

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 2025-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Self Financial Inc.
State: MO

Complaint narrative:
Self Financial is reporting a XXXX debt to my credit reports. However they do not have a working contact number to resolve debt. Also, I did contact them via email with no luck. I have attached my emails with Self Financial for you to review. I am attempting to pay off my debt, but Self Financial makes it impossible to do so. They emailed me back suggesting I contact Lead Bank, for they partner with them. I did just that. Lead Bank apologized to me stating that they don't know why Self Financial directs customers to them because Self only uses their banking services and Lead Bank does not have access to Self Financial 's customers records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: CBC Companies, Inc.
State: VA

Complaint narrative:
I have previously disputed with TransUnion, Experian and Equifax regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
The debt collection arbitrarily posted someone else 's collection account into my credit report ( because of similar names ) while I have never done any business with the said property management company. 

Despite similar names, my name is different from the person they are looking for. They still try to arbitrarily force someone else 's debts on me even though we are not related. 

I tried to resolve the issues with the company but they informed me that they can not talk with me if I am not the person who actually owe the debts. National Credit Systems Inc is racially profiling me with other similar names to arbitrarily collect debts from people who do not owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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:
I am writing to file a formal complaint regarding multiple inquiries that have been improperly reported by the credit bureau on my credit report without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ) required by 12 CHR 1006,34 ( D ( 3 ), yet they have proceeded to place unauthorized accounts on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. 2. I have not been afforded the opportunity to dispute the inquiries in accordance with 12 CER 1006.34 ( c ) ( 4 ) ( 1 ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debts. The credit bureaus have resorted to false, misleading, and deceptive means in their reporting efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 2. Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). The credit bureau is flagrantly disregarding consumer protection statutes. I did not receive any notice from unauthorized inquiries on my consumer report providing me the opportunity to dispute the validity of this date within 30 days, as required by law. Additionally, I have attempted to submit supporting documents proving that my information was compromised in the Equifax breach and documents proving that I am a victim of identity theft. This has caused significant harm to my credit score and has resulted in undue financial and emotional stress. I kindly request that the CFPB investigate this matter, as I believe these accounts were reported without following the proper legal procedures.

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 2025-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank Closed my Personal Checking Account XXXX on XX/XX/year> I received 7 Deposits from my client for Goods they ordered for there self, he have to pay me but the Client used other source of payment method and he paid me but he used the name of XXXX XXXX and payment came from the name of Toast and web bank and he didnt used my personal name, so just they sent payment without using my personal name on the transaction but the fund was intended to send to me And then i send and shipped the item to my client and it was delivered to them But after it delivered chase bank suddenly suspended my account saying account frozen and closed and suspended those funds with total amount of XXXX USD is suspended from Last more then 6 Months, Chase XXXX saying that we have to call the number verified as the number of payer and when Chase called the payer the payer not responding and Chase said we can only call you that number only thats it So they not releasing my money Chase didnt lose anything its me who lose and serious lost because item is delivered and I havent got my funds released from Chase and seller also have the item Please resolve my issue as this is something very serious I am gon na Sue Chase and charge them protection money as they hold my funds So funds came to me only so it belongs to me only no one is fool to send money blindly If there was any issue so the sender would disputed the matter on transaction sent to me but he didnt because the transaction was legitimate So is it fair? Is this justice I am gon na sue chase bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: MN

Complaint narrative:
I contacted XXXX XXXX  to explore getting prequalified for a mortgage. I made it explicitly clear that I only wanted to be prequalifiednot preapprovedand that I did not authorize a hard credit inquiry. The representative confirmed via email that a hard inquiry would not be required for prequalification. 

After providing some information, I was told I could not proceed due to not having XXXX years of XXXX  XXXX. However, I later received a letter that XXXX XXXX  had performed a hard credit inquiry on XX/XX/year>, which caused my credit score as displayed by my XXXX XXXX  account page to drop by XXXX points. 

I did not authorize this hard inquiry and have repeatedly requested proof from XXXX XXXX that I gave such authorization. They have not been able to provide any, and instead referred me in circles between various departments. One representative ultimately told me to dispute the inquiry with Equifax, requiring me to file a police report or an FTC fraud reportwhich is not appropriate since this is not identity theft, but rather a violation of the Fair Credit Reporting Act by the institution itself. 

XXXX XXXX  had no permissible purpose to conduct a hard inquiry, as I never consented to it and was only seeking prequalification. I am requesting that XXXX XXXX  be held accountable and that Equifax be required to remove the unauthorized hard inquiry from my credit report. And I want my score to be restored to what it was before this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-16 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: NJ

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ).

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXX XXXXXXXX * * * *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: KY

Complaint narrative:
To whom it may concern, I recently reviewed copy reviewed a copy of my credit report and realized some alarming information. I found there were fraudulent accounts that i have no knowledge of. I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made. I believe I am a victim of identity theft. these accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts.This is in clear viloation of my Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: KY

Complaint narrative:
To whom it may concern, I recently reviewed copy reviewed a copy of my credit report and realized some alarming information. I found there were fraudulent accounts that i have no knowledge of. I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made. I believe I am a victim of identity theft. these accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts.This is in clear viloation of my Fair Credit Reporting Act ( 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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief