vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This public record information is inaccurate so please review all the documents I've sent in regards to this.

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 2025-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: SC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I understand that the CFPB has filed a statement of interest in the XXXX  bankruptcy case, indicating their belief that XXXX  may have violated the Consumer Financial Protection Act. I am writing to provide a personal statement regarding the financial and emotional harm I have experienced as a result of the account disruptions tied to XXXX XXXX XXXX and its associated partner banks and XXXX  platforms. 

* * My Background * * I was a customer of Juno Finance which used XXXX to facilitate banking services. My account was held at XXXX XXXX  XXXX XXXX and was frozen on or around XX/XX/year>, without warning. 

* * The Harm I Suffered * * When my account was frozen, I had XXXX in the account. Since then, I have only recovered {$0.00}, leaving {$18000.00} still inaccessible over a year later. 

This interruption has caused me significant hardship. Specifically : - I had significant difficulty buying a new house because the majority of my life savings funds are locked in the Juno account - I have been financially stressed and am now working XXXX jobs, nights and weekends to make ends meet- I have spent countless hours contacting legislators, regulators, and the banks to try to get a resolution I am not a venture capitalist or an institutional investorI am a regular consumer who trusted a financial product that was marketed to me as safe and FDIC-insured. No one should lose access to their legally deposited money because of behind-the-scenes failures between banks and middleware providers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my credit report. Please remove these accounts from my report they are hurting my ability to obtain credit.

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 2025-06-24 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my credit report. Please remove these accounts from my report they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
This debt does not belong to me i have requested copies of contract to prove this debt does not belong to me please update my credit report and remove all incorrect information. I never signed for a auto loan, this debt does not belong to me. please remove and stop posting on my credit because this is fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The past week I have been attempting to enroll myself with Experian so that I can apply for credit with banks that pull my credit report from experian. Over the course of 15+ phone calls over several days, I have been attempting to contact customer service to get help. Calling their line gives me an automated response system that refuses to connect me with a human agent unless I claim to have a dispute. Asking for help with my membership enrollment leads to the automated system claiming it can not understand my request, upon which it hangs up on me when I still need help. People in the dispute office say they are unable to transfer me directly to someone in the membership office, and instead transfer me to the same robotic automatic response system. Any attempt to get help or register myself online, whether through the Experian app or website, leads to so called technical issues that do not let me proceed with my enrollment or get the help I need.

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 2025-06-23 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-23 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Date of Incident : XX/XX/XXXX Company : JP Morgan Chase Credit card What happened : Browsing through Chase Mobile App to view my existing Chase accounts ( checking and 2 credit cards with over 10 years relationship with Chase ), I saw section it shows " You're are already approved '' for three of Chase credit cards. One of the credit card which I was interested was " Chase Freedom Unlimited '' credit card due to intro offer. I proceeded to apply for the credit card as its already approved and completed the application process. There was no consent taken from me that a hard inquiry will be initiated on my credit report during the application process but I noticed hard inquiry on my credit report on XX/XX/XXXX which reduced my credit score. I only applied for Chase because I was prompted to show on the mobile app that I am already approved for the card, with other credit card companies which I applied and currently using or used ( eg, XXXX  XXXX, XXXX ) the application specifically calls out and asks for consent that an hard inquiry will be done to proceed with application, which didn't happen with Chase. 

Subsequently I called Chase support and went up to escalation team to dispute the hard inquiry. I was asked to call the credit bureaus independently to dispute directly with credit bureaus. With information from XXXX Customer support, I was informed if a request to dispute or remove hard inquiry is initiated from Chase, then they can remove the hard inquiry from my credit report. I called Chase support and went up to escalation again and they have indicated that they will not request credit bureaus to remove hard inquiry. I received Chase reference # XXXX for my compliant but Chase escalated support indicated there will be no action or follow-up with me to discuss or resolve my complaint. 

If it was called out, as its done by other financial companies, that I am pre-screened or pre-selected I wouldn't have applied for Chase Credit card. Because of hard inquiry my credit score got reduced, a better offer from XXXX Credit card declined and had to spend hrs on calls with Chase customer support and XXXX  with no resolution so far. 

I have attached the screenshot on how Chase Mobile App shows a credit card offer saying " You're are already approved '' after I login to mobile app. Note, once I completed the application and approved for Chase Freedom Unlimited credit card there are no more credit card offer being showed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : [ Insert XXXX  or XXXX Address see bottom for mailing addresses ] Subject : Formal Dispute of Inaccurate Information Under the Fair Credit Reporting Act ( FCRA ) Dear [ TransUnion / Equifax XXXX Experian XXXX XXXX XXXX XXXX ], I am writing to formally dispute the reporting of the account listed below on my credit report : Creditor Name : XXXX XXXX XXXX Account Number : [ List the partial or full number if known ] Reported Balance : {$8000.00} Date Opened : XX/XX/XXXX This account is being inaccurately reported across all three major credit reporting agencies and violates multiple sections of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ) and United States Code ( USC ).

Violations of Federal Law Include : 15 U.S. Code 1681e ( b ) : Failure to ensure maximum accuracy of reported information. This account contains conflicting data ( open vs closed status, incorrect last payment date, and inaccurate delinquency notations ).

15 U.S. Code 1681i ( 5 ) : Upon notice of dispute, the XXXX  must correct or delete inaccurate or unverifiable information within a reasonable time.

15 U.S. Code 1681c-2 : If I allege this account is fraudulent or due to identity theft, the XXXX  is required to block this information within XXXX business days. 


15 U.S. Code 1681 602 ( A ) : I have the right to privacy and protection of my personal information.

15 U.S. Code 1681 604 ( A ) ( 2 ) : No agency may furnish my consumer report without my written authorization. 



Demands : Immediately remove or block this account from my credit report within XXXX business days of receiving this notice. 


Provide me with the original contract bearing my signature, including all terms and conditions. 


If you can not produce this documentation or verify this debt in compliance with the above laws, you are legally required to delete this account. 



Legal Notice : If this account is not removed, corrected, or blocked within the XXXX timeframe, I will move forward with filing a formal lawsuit against XXXX XXXX XXXX and XXXX respective credit bureaus for : Willful noncompliance with federal law Violation of my consumer privacy rights Emotional and financial harm caused by inaccurate reporting You may be held liable for {$1000.00} per account under FCRA statutory damages, in addition to any actual damages. 

Resolution : DELETE the inaccurate account ( XXXX ) SEND WRITTEN CONFIRMATION that the deletion has occurred REFRAIN from further reporting or data furnishing that is not 100 % accurate and verifiable I look forward to your immediate response. Failure to comply will result in legal escalation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: MD

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 XXXX 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 XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-06-23 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: TX

Complaint narrative:
Please remove all documents reporting to my TransUnion : XXXX XXXX Account XXXX * * * * Date Opened : XX/XX/XXXX XXXX Account XXXX * * * * Date XXXX XXXX Account number : XXXX * * * * Date XXXX XXXX XXXX XXXX Account XXXX * * * * Date XXXXXXXX XXXX Account XXXX * * * * Date XXXX XXXX XXXX Account XXXX * * * * Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account XXXX * * * * Date XXXX XXXX Account XXXX * * * * Date XXXX XXXX XXXX Account XXXX * * * * Date XXXX XXXXXXXX XXXX  Account XXXX * * Date XXXX XXXX Account number ; XXXX * * * * XXXX  Account XXXX * * * * Date XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Levy & Associates, LLC
State: VA

Complaint narrative:
I went to get a second mortgage at XXXX. I was turned away because of a lien from XXXX I did not know about. I recently got a mortgage on my house XXXX months prior and this lien was not mentioned. I called the company who I have the debt with they are called XXXX. XXXX informed me that Levy and associates have my case now, so I called them numerous times. A recording answers and it says you can request a interview through the web to settle your debt. I pressed XXXX for pay off information and I'm instructed to go to their website and press green icon to pay what I owe. I left messages numerous times with Levy and associates and they do not call back. I spoke to XXXXXXXX XXXX XXXXXXXX today and they gave me XXXX emails to contact Levy associates and they were both bogus. I even drove to the address that Levy associates show on XXXX. XXXX XXXX XXXX XXXX XXXX. That establishment is public health. I want to settle and pay my debt but I don't want to have my money stolen and still have a unresolved debt and lien. I have been to the city of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The circuit court is telling me I need to pay it but I explain to them I can't get Levy associates to return my phone calls or contact them in any way. I called the lawyer who was handling my XXXX mortgage from XXXX months ago and he told me to contact XXXX at XXXX and cowand. XXXX gave me XXXX emails and XXXX phone numbers. The phone numbers are still giving the same communication with no option to speak to anyone about settling my debt.The XXXX emails are bogus. I drove to XXXX XXXX XXXX to see if I could settle my debt in person. The address was to public health all XXXX floors. What can I do to settle my debt? I desperately need to get a XXXX mortgage to fix my bathtub. I have a bad crack in it and my home has other issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Excessive late fees accruing during the months of XX/XX/2025 THROUGH XX/XX/2025 for XXXX XXXX through TD Bank. I made multiple failed attempts to communicate by phone and make fair payments for the device, after I was carelessly charged excessive and multiple late fees on my account. TD Bank refused to provide proof in writing of my final pay off balance as of XX/XX/2025. I was told the incorrect minimum payment balances to pay to have the late fees removed on XXXX separate occasions from different " customer service representatives '', which led to additional fees be charged to my account unfairly. TD Bank refused to provide written confirmation of my final payment XX/XX/2025, which would render my account paid in full. They have reported this inaccurate and unjust remaining balance to all credit reporting agencies.They are continuing to charge for the late fees after the payment was made in XXXX of {$140.00} to pay off my account balance, stating the balance was incorrect and should have been {$140.00}. This amount was not provided in writing and not XXXX supervisor nor customer service representative at this establishment could prove the amount was {$140.00} when I was told it was {$140.00}. I have spent hours on the phone with various employees at this company to have this issue resolved, without any accountability taken from TD Bank to admit they had provided me the wrong pay off balances numerous times, and justifying the late fees added due to their negligence and incompetence on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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 was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-06-24 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: TX

Complaint narrative:
I was informed that I was a victim of identity theft also a victim of the equifax data breach so after looking at my consumer report I noticed an account that I have no knowledge of per Fcra section 605b and 15 usc 1681c2 this account is the result of fraud please block this fraudulent account within XXXX business days thank you XXXX XXXX # XXXX Amount 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 2025-06-24 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: TX

Complaint narrative:
I was informed that I was a victim of identity theft also a victim of the equifax data breach so after looking at my consumer report I noticed an account that I have no knowledge of per Fcra section 605b and 15 usc 1681c2 this account is the result of fraud please block this fraudulent account within XXXX business days thank you XXXX XXXX # XXXX Amount XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EdFinancial Services
State: SC

Complaint narrative:
EdFinancial is reporting student loan accounts that are over 7 years old on my credit reports with XXXX, XXXX, and XXXX, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

These accounts should have been removed after 7 years from the date of first delinquency. The continued reporting is inaccurate and is hurting my credit, financial opportunities, and quality of life. 

I am requesting the immediate deletion of these outdated accounts. If not resolved quickly, I will file formal complaints with the CFPB, FTC, and seek legal action if necessary. 

account numbers that i know about so far XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation