vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 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: TX

Complaint narrative:
I recently discovered that my personal information was stolen and used without my permission to open accounts and make unauthorized purchases. I did NOT authorize any of these transactions or accounts, and I will not stand by while my identity is compromised. This is a clear case of theft and fraud, and despite reporting it to the authorities and affected companies, nothing has been done to fix the situation or remove the fraudulent charges and accounts from my credit report. 

I DEMAND that you : Acknowledge that all accounts and transactions are fraudulent. 
REMOVE EVERY fraudulent account and unauthorized inquiry from my credit report IMMEDIATELY. 

ENSURE that no further collection attempts or negative marks are made related to these fraudulent accounts. 

PROVIDE me with written confirmation that my personal information has been secured and that no more unauthorized actions will take place under my name. 
COMPENSATE me for any damage done to my credit score and personal life as a result of this 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 2025-03-20 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: NJ

Complaint narrative:
I am filing this complaint because TransUnion is inaccurately reporting unauthorized accountsXXXX XXXX ( Account # XXXX ) and XXXXXXXX XXXX ( Account # XXXX ) on my credit file without my permission or written consent. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and has caused significant harm to my creditworthiness, financial stability, and emotional well-being. Under 15 U.S.C. 1681b ( a ), a consumer reporting agency is only allowed to furnish a consumer report under specific permissible purposes. Since I never authorized or provided written consent for these accounts to be reported, their presence on my credit file is unlawful. Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are required to provide only accurate and complete information to credit reporting agencies. The continued reporting of these unauthorized accounts directly violates this provision. I have formally disputed these accounts with all three major credit bureausEquifax, XXXX, and TransUnion. While XXXX and XXXX have removed these accounts from my credit report, TransUnion continues to report them, despite my valid disputes and the fact that the other bureaus have already determined that they should not be listed. This demonstrates TransUnions failure to conduct a proper reinvestigation, as required under 15 U.S.C. 1681i ( a ). The inconsistency between the bureaus further proves that TransUnion is neglecting its legal obligation to maintain accurate and fair consumer credit files. TransUnions refusal to correct this error is causing me unnecessary hardship, including the potential denial of credit opportunities, financial distress, and emotional strain. Despite multiple attempts to resolve this matter directly, TransUnion has continued to report these accounts without any justification, further violating its duty to ensure the accuracy of my credit file. I demand the immediate removal of these unauthorized accounts and that TransUnion takes the necessary corrective actions to ensure compliance with federal law.

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 2025-03-20 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: GA

Complaint narrative:
My information has been used fraudulently. I am a victim of identity theft. Starting on XX/XX/XXXX a XXXX XXXX XXXX  credit card was opened fraudulently under my name and the reporting balance is {$520.00}. Also on XX/XX/XXXX another XXXX  XXXX XXXX  credit card was opened fraudulently reporting a {$1500.00} balance. Finally on XX/XX/XXXX a XXXX XXXX XXXX XXXX was opened and reported a {$510.00} balance. I discovered these accounts on XXXX and XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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:
My information has been used fraudulently. I am a victim of identity theft. Starting on XX/XX/XXXX a XXXX XXXX XXXX  credit card was opened fraudulently under my name and the reporting balance is {$520.00}. Also on XX/XX/XXXX another XXXX  XXXX XXXX  credit card was opened fraudulently reporting a {$1500.00} balance. Finally on XX/XX/XXXX a XXXX XXXX XXXX XXXX was opened and reported a {$510.00} balance. I discovered these accounts on XXXX and XXXX of 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 2025-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited my government issued payroll into my checking account on XX/XX/year> and was told partial funds will be available the following business day XX/XX/year> and the remaining balance would be available XX/XX/year>. Well it was not available and not only was it not available they put a longer hold on it. I went to the branch in XXXX XXXX Ca on XXXX XXXX spoke with the branch manager and told him this is a emergency and a hardship can this be expedited and he said unfortunately there is nothing I can do I asked for cooperation number, he told me I would need to call the XXXX number and did not provide that number at all. I showed him the receipt that the teller gave me yesterday showing the amount would be available and still no assistance. Im having a hardship.

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 2025-03-20 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: Bull City Financial Solutions, Inc
State: GA

Complaint narrative:
Collection Agency Name : XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require XXXX  days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within XXXX  days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following account contains inaccurate information.

In accordance with the Fair Credit Reporting Act, I hereby request an investigation into these items and their subsequent removal from my credit report. I understand that it is your responsibility to verify these items with the creditor who reported them. If the creditor is unable to provide verification, please delete the information from my report. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days of receiving this letter.

Please send me an updated copy of my credit report to the address provided above. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received a copy of my credit report in the past six months about the corrections made.

Thank you for your attention and assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
The family took all the documents from funeral home and the church and they all turned on me and now me and my family are XXXX  because my cousin filed a writ because it was her mother 's house that I inherited and they all know I've harassed identity stolen documents also has been altered and they stole money from accounts and took the car that's in my name and they have slandered my name at the courts and financial institutions and lawyers

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 2025-03-20 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: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to dispute inaccurate information on my credit report regarding a delinquent account with AidAdvantage. The details are as follows : Creditor : AidAdvantage Delinquency Date : XX/XX/XXXX Credit Bureaus Involved : XXXX, XXXX, and XXXX Reported Amounts : XXXX, XXXX, XXXX {$3900.00} {$4900.00} {$7800.00} I believe these reported delinquent payments are inaccurate and are unfairly damaging my credit score. I respectfully request that this matter be investigated, and the negative remarks be removed from my credit report. 

I have enclosed copies of relevant documents to support my dispute. I would greatly appreciate a written response confirming the outcome of your investigation. If additional information is required, please feel free to contact me at your earliest convenience. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: TX

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

Company 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 2025-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
regarding my two accounts that were closed on XXXX XXXXne personal account and one business account under the name XXXX XXXX XXXX XXXX ( Account Number : XXXX ) with Chase Bank. 

After my accounts were closed, I contacted my account manager, XXXX, who advised me to call Chase customer service. However, customer service informed me that they were unable to assist and directed me to visit a branch. When I went to the bank, the branch manager told me that the issue could only be resolved via phone support. 

Furthermore, my check was mailed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA, which was my previous rental address. I no longer reside there, and despite multiple attempts to update my mailing address over the phone, I was informed that I must handle this matter in person at a XXXX branch. Unfortunately, I am currently unable to return to the XXXX in the near future. 

As a result, I now have over {$160000.00} across both accounts that I am unable to access or track. This has caused significant inconvenience and financial distress. I urgently request your assistance in resolving this matter remotely or providing an alternative solution. 

Please let me know how I can proceed as soon as possible. I appreciate your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-20 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Thaxton Investment Corporation
State: SC

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following account contains inaccurate information. 

In accordance with the Fair Credit Reporting Act, I hereby request an investigation into these items and their subsequent removal from my credit report. I understand that it is your responsibility to verify these items with the creditor who reported them. If the creditor is unable to provide verification, please delete the information from my report. Pursuant to 15 U.S.C. Sec. XXXX ( a ), I expect this reinvestigation to be completed within 30 days of receiving this letter. 

Please send me an updated copy of my credit report to the address provided above. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received a copy of my credit report in the past six months about the corrections made. 

Thank you for your attention and assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company 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 2025-03-20 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: MI

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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2025-03-20 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: DE

Complaint narrative:
Bereu has been reached out to several times about the proof of accuracy on my consumer report.

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 2025-03-20 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: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : EXPERIAN XXXX XXXX XXXX/XXXX/2024

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 2025-03-20 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: SC

Complaint narrative:
XXXX XXXX, XX/XX/XXXX 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 XXXX 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 XXXX  XXXX  XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries 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