vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
Im reaching out to dispute fraudulent accounts resulting from a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : 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 XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$820.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$650.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$650.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$190.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} Inquiries XXXXXXXX XXXX XXXX Date XXXX XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-05-21 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: AZ

Complaint narrative:
I checked my credit report and there is so many fraudulent information that does not belong to me, it is hurting my score very badly and I can not apply for any new credit cards or get a car loan and all of this is related to my identity fraud incident which you will see here in the attached documents. My credit was hurt and I need this to be fixed it's affecting my personal life very badly!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am an identity theft victim and my information was used to apply for 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 2025-05-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This morning, I found an unauthorized inquiry on my credit report, and Im completely frustrated because I dont understand how it got there. I check my report regularly, and this has never happened before. I even refreshed my browser thinking it was a technical glitch, but the issue remained. I need this addressed immediately and request a full review of the documents Ive submitted so I can finally have peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
XX/XX/XXXX. Chase sent fraud alert. Said {$400.00} transaction from XXXX was declined. I did not make this purchase. Chase still took the money from my account despite the transaction being declined. 

XX/XX/XXXX. First call to chase. They canceled my card but the dispute was never filed by them, nor was a new card mailed to me. I was told during this call the charges would be reversed. 

XXXX. Second call. Charges were reversed. 

XX/XX/XXXX. XXXX confirmed they received no payment, XX/XX/XXXX chase sent digital letter stating they were taking the funds back. 

The website this charge is for is not mine. It belongs to someone else. I do not, nor have I ever had a XXXX  account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I was approved for an Indigo Platinum Mastercard with a {$700.00} credit limit. However, upon receiving and activating the card, I discovered that my available credit was only {$500.00}. From that {$500.00}, a {$120.00} annual fee was immediately deducted, leaving me with just {$370.00} in available credit. 

This significantly reduced my usable limit and created the appearance that I had already used a large portion of my creditbefore making any purchases myself. As a result, my credit utilization ratio spiked, which negatively impacted my credit score almost immediately. 

I believe this practice is misleading and may violate consumer protection standards. The annual fee should have been deducted transparently from the full {$700.00} limit, as initially approvednot from a reduced balance. This kind of fee structure should be clearly disclosed upfront, especially if its going to impact the consumers credit report and score. 

I contacted Indigo/XXXX XXXX for clarification and requested an adjustment, but I did not receive an adequate response or solution. 

Resolution Requested : I request that the full {$700.00} credit limit be reflected on my account, and that the annual fee not reduce the available credit in a way that artificially increases credit utilization. If this can not be resolved, I ask for a correction on my credit report to offset the negative impact and a formal review of this practice by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: NY

Complaint narrative:
Subject : Complaint Against XXXX XXXX for Improper Late Payment Reporting to Equifax and Experian in Violation of 15 U.S.C. 1666b and 1637 To Whom It May Concern, I am submitting this complaint to report that XXXX XXXX is improperly reporting a late payment on my credit file, which has been shared with and is currently appearing on both Equifax and Experian credit reports.

Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card under an open-end consumer credit plan as late unless : The creditor has adopted reasonable procedures to ensure payments received by XXXXXXXX XXXX. on the due date are not treated as late ; The creditor has furnished the consumer with the information required under XXXX ( a ) ; The billing statement was mailed or delivered at least 21 days before the payment due date. 
In my case, XXXX XXXX failed to meet these statutory requirements : I made my payment on [ XX/XX/year> ], which was on or before the due date and before the XXXXXXXX XXXX. cutoff, but it was still reported as late. 
XXXX XXXX did not provide the billing statement at least 21 days prior to the due date, as required by 15 U.S.C. 1637 and reinforced by 1666b.

Therefore, their reporting of this payment as " late '' violates federal law.

Despite this, the inaccurate late payment continues to appear on my credit reports from Equifax and Experian, harming my credit standing. 
I am requesting that the CFPB : Investigate whether XXXX XXXX is in compliance with the Truth in Lending Act, specifically 15 U.S.C. 1666b and 1637 ; Require XXXX XXXX to correct the erroneous late payment reported to the credit bureaus ; Ensure that Equifax and Experian remove the inaccurate late payment from my credit reports ; Provide a formal written resolution of your findings. 
Attached to this complaint are supporting documents, including : My credit report excerpts showing the late payment as reported by Equifax and Experian ; Proof of my payment, including confirmation and/or bank transaction details ; A copy of the billing statement ( or proof of late delivery, if applicable ). 
Thank you for your attention to this matter. I look forward to your investigation and resolution. 
Sincerely, [ XXXX key ]

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 2025-05-21 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: AZ

Complaint narrative:
After a recent data breach, fraudulent accounts were wrongfully added to my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these items within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year>, Balance : {$4300.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$3100.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$5800.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$00.00}

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 2025-05-21 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: TX

Complaint narrative:
I recently did an investigation on my credit report and I have seen the CFPB is violating my HIPAA rights by sharing my private medical records without my permission to several credit other credit bureaus.

42 U.S. Code 1320d-6 - Wrongful disclosure of individually identifiable health information 15 u.s code 1681 I ( 5 ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following its from my credit report report immediately XXXX XXXXXXXX XXXX XX/XX/year> Total amount XXXXXXXX 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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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 non-monetary relief
Consumer complaint received 2025-05-21 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: OK

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: OK

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Louisiana XXXX SSN : XXXX XXXX : XXXX Experian P.O. XXXX XXXX XXXX, Texas XXXX To Whom It May Concern, I received a copy of my Experian credit report and I have found inaccuracies on my report. XXXX XXXXXXXX Account Number : XXXX Under 15 USC 1666 b, this is a billing error, always paid as agreed on time, this is an account in violation. Conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the status to paid as agreed in accordance with the paragraph ( 5 ), before the end of the 30-day period beginning the date on which the agency receives the notice of the dispute from the consumer or reseller. Please update to the paid as agreed status being that you're in violation per FCRA guidelines.

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 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This is the third time I have sent this information. When I was XXXX  ( the arrest report and dates are already in my file ) the police officer gave my ex boyfriend, XXXX XXXX XXXX my purse with everything in it including my debit card and the keys to my house and car. The reason he was there is because I had my dogs with me and he was the only person I could get in touch with to pick them up, otherwise they were going to send them to the pound. XXXX did NOT have permission to use my debit card or enter my home. I also did not give him my pin number but he went through my entire house including my computer when I was gone and I assume that is how he must have figured it out. He stole 2 months worth of narcotics that he fraudulently signed for that are for my dog XXXX 's XXXX. This is the police report I have attached. The pharmacy that ships her prescriptions that he stole reimbursed me immediately. I am extremely frustrated that getting my money back is even an issue. If Wells Fargo is not going to protect my money there is NO point in keeping it in your bank. I have attached the police report again. I will follow up in 2 days as requested and if there is an issue at that point I will be closing my account. The claim number I for the request to refund my money to Wells Fargo is XXXX. The dates of unauthorized transactions are XX/XX/2025 for XXXX, XX/XX/2025 for XXXX, XX/XX/2025 for XXXX, XX/XX/2025 for XXXX, XX/XX/2025 for XXXX, XX/XX/2025 for XXXX, XX/XX/2025 for XXXX, XX/XX/2025 for XXXX, XX/XX/2025 for XXXX, and XX/XX/2025 for XXXX. 
Thank you, 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 2025-05-21 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
XXXX 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 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 XXXXXXXX : # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681 section 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: AMERICAN EXPRESS COMPANY
State: VI

Complaint narrative:
I attempted to negotiate a goodwill adjustment with American Express regarding a charged-off account due to verified hardship. Im actively working to resolve the balance but was told no support would be offered unless I pay in full. Im requesting that American Express show reasonable flexibility in settlement or deletion offers, especially given the current financial recovery climate.

Company response to consumer: Closed with explanation