vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 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 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. 

XXXX XXXX XXXX  XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Relay Financial (US), Corp.
State: WY

Complaint narrative:
I am filing this complaint due to an unexpected charge of {$32.00} that was applied to my bank account during a recent transaction made through Relays platform. I received an invoice for {$800.00} USD and paid the exact amount using my U.S.-based debit card. However, my account was debited for {$830.00}. Upon inquiry, I was told this additional charge was a XXXX International Service Assessment ( ISA ) fee, passed on to me because the merchant is based in XXXX. 

My concern is that there was no disclosure or indication during the payment process that this would be treated as an international transaction or that an additional fee would apply. The invoice was in USD, I am a U.S. customer, and I paid using a U.S.-issued debit card in USDthere was no currency conversion involved. This charge came as a complete surprise.

I contacted Relays customer service team and asked for clarification and a refund. While they acknowledged that the fee was not clearly disclosed, they stated that the fee is standard and not eligible for refund since it was imposed by XXXX. However, the lack of transparency around this fee is the core issue, and I believe it should have been explicitly stated prior to payment authorization. 

I am requesting : A refund or credit for the {$32.00} fee, which was neither disclosed nor authorized. 

A review of the companys disclosure practices for international transaction fees and request that the issue be reviewed for compliance with consumer protection standards. 

A copy or screenshot of where this ISA fee is disclosed during the payment process, if it is indeed mentioned, for my own documentation. 

I am attaching email correspondence with the company as well as a copy of my bank statement showing the discrepancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: AZ

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$16000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the XXXX 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 explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, Chase bank suddenly closed every account associated with my family. All of our accounts were closed with no notice, no lock, no question. My app when I log on looks right, it just appears that everything get declined. It has been 2 days since then and we haven't gotten any notice still. All of my family members have gone into our local banks and we haven't gotten any information. I had a little over {$60.00} in my account but am unsure of everyone else 's amounts. This has been a very traumatic experience because I have many wedding payments that I am trying to make along with all my subscriptions. Very very unhappy with XXXX and the manger at the XXXX in XXXX XXXX refused to work with me and aid me in getting my money out. I was able to convince her to mail my check to a house my family lives in ( they just moved and hadn't changed forwarding addresses ) but now I have to wait to get my money back till my family in XXXX can mail it to me in XXXX. 

On another note, I noticed that I was getting charges from a company called XXXX XXXX that was wrongfully charging me monthly after I purchased a dress from them one time. I was going to call XXXX 's fraud dept. to try and resolve that issue but now I am unsure if I will be able to retrieve the money that was wrongfully taken out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: MS

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 victim 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 605B of the Fair Credit Reporting Act.

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 2025-04-12 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:
I HAVE BEEN AFFECTED OF XXXX AND EQUIFAX 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 AND XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the
information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
A violation of the Fair Credit Reporting Act ( FCRA ) occurs when the regulations governing the collection, sharing, and use of consumer credit information are not upheld. Under the FCRA, consumer reporting agencies ( CRAs ) are required to take reasonable steps to ensure the accuracy of information in credit reports. If a consumer experiences financial harm due to an FCRA violation, they have the right to pursue legal action against the CRA for actual damages, statutory damages, and attorneys fees. The accounts mentioned in my letter contain inaccuracies, and I am requesting a comprehensive investigation to address and correct these issues.

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 2025-04-12 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: VA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a dispute to TransUnion regarding multiple inaccurate and unverifiable items on my credit report, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Despite providing supporting documentation, TransUnion failed to conduct a proper investigation and continues to report the following derogatory accounts with inaccurate and incomplete information, significantly harming my creditworthiness : XXXX XXXX, Account # XXXX Inaccurate balance/status. 
XXXX XXXX, Account # XXXX Duplicate reporting/inaccurate balance. 
XXXX XXXX, Account # XXXX Incorrect status/dates. 
XXXX XXXX XXXX, Account # XXXX Inaccurate balance/status. 
XXXX, Account # XXXX Incorrect reporting of payment history. 
XXXX, Account # XXXX Inaccurate account status. 
XXXX XXXX XXXX, Account # XXXX Incorrect balance/dates. 
Additionally, I disputed the reporting of a public record U.S. Bankruptcy Court Reference Number XXXX on my credit report, which contains incomplete and inaccurate information. I recently contacted the bankruptcy court, which confirmed they do not provide verification of bankruptcy information to credit bureaus, raising concerns about how TransUnion is verifying this record. Furthermore, my credit report contains incorrect personal information, despite my submission of identity verification documents with my dispute. 
On XX/XX/year>, I mailed another dispute letter to TransUnion, reiterating these concerns and providing additional evidence. However, TransUnion has repeatedly failed to : Conduct a reasonable investigation of the disputed items ( FCRA 1681i ( a ) ( 1 ) ).

Delete or correct unverifiable information ( FCRA 1681i ( a ) ( 5 ) ).

Ensure the accuracy of my credit report ( FCRA 1681e ( b ) ).

Update incorrect personal information despite verified documentation. 
These actions violate my consumer rights under the FCRA and have caused significant financial and emotional distress by limiting my access to credit and opportunities. I have attached copies of my dispute letters, TransUnions responses ( if applicable ), and supporting documents to this complaint.

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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a dispute to Equifax regarding multiple inaccurate and unverifiable items on my credit report, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Despite providing supporting documentation, Equifax failed to conduct a reasonable investigation and continues to report the following derogatory accounts with inaccurate and incomplete information, significantly harming my creditworthiness : XXXXXXXX XXXX XXXX XXXX XXXX Inaccurate balance and status. 
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 
Additionally, I disputed a public recordBankruptcy, XXXX XXXX XXXX XXXX with incomplete and inaccurate information. I contacted the bankruptcy court, which confirmed they do not provide verification of bankruptcy details to credit bureaus, raising serious concerns about Equifaxs validation process. Furthermore, my credit report contains incorrect personal information ( e.g., [ specify if known, e.g., wrong address, misspelled name ] ), despite my submission of identity verification documents. 
On XX/XX/year>, I mailed a follow-up dispute letter to Equifax with additional evidence, reiterating these concerns. However, Equifax has failed to : Conduct a reasonable investigation within 30 days ( FCRA 1681i ( a ) ( 1 ) ). 
Delete unverifiable information, such as the bankruptcy record and account errors ( FCRA 1681i ( a ) ( 5 ) ). 
Ensure the maximum possible accuracy of my credit report ( FCRA 1681e ( b ) ). 
Update incorrect personal information despite verified documentation. 
These failures align with findings in the Consumer Financial Protection Bureaus action against Equifax, announced XX/XX/year>, which ordered a {XXXX XXXX penalty for violating the FCRA by failing to thoroughly investigate disputes, ignoring consumer evidence, and using flawed processes that overly deferred to furnishers. My experience suggests Equifaxs inadequate practices persist, as they have not properly addressed my disputes, causing significant financial and emotional distress by limiting my access to credit, increasing borrowing costs, and hindering opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: IN

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is Employer - EMPLOYED -Incorrect Previous Address : - XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX -Employer - XXXX XXXX -Employer - XXXX XXXX. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIA CERTIFIED MAIL, RETURN RECEIPT REQUESTED RE : DISPUTE OF INACCURATE INFORMATION AND DEMAND FOR CORRECTION UNDER FCRA To Whom It May Concern : I am writing to formally dispute inaccurate information contained in my XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information and demand its correction or removal. After reviewing my report dated XX/XX/year>, I have identified multiple serious inaccuracies that violate FCRA provisions requiring maximum possible accuracy in consumer reporting. 

**I DEMAND THAT THESE ISSUES BE RESOLVED WITHIN 3 DAYS OF RECEIPT OF THIS LETTER. ** **DISPUTED INFORMATION : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following name variations in my report are incorrect and must be removed : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Any other variations not matching my legal name 2. **Associated Persons/Additional Names : ** The following people listed in my insurance policy section are incorrectly associated with me and must be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Any other addresses must be removed. 

4. **Contradictory Information : ** The insurance policy shows as both " Active '' status yet has " Reason Policy Cancelled : Non Pay. '' This contradictory information is inaccurate and harmful to my credit profile. 

**FCRA VIOLATIONS AND METRO 2 COMPLIANCE ISSUES : ** These inaccuracies constitute multiple violations of the FCRA and Metro 2 compliance standards, including but not limited to : 1. Violation of FCRA Section 607 ( b ) requiring " reasonable procedures to ensure maximum possible accuracy '' 2. Violation of FCRA Section 611 regarding proper investigation of disputed information 3. Violation of FCRA Section 623 ( a ) ( 1 ) ( B ) prohibiting furnishing of information with " actual knowledge of errors '' 4. Violation of FCRA Section 605 ( a ) ( 6 ) relating to identity theft flags not being properly processed 5. Violation of Section 604 regarding permissible purpose for sharing information 6. Violation of Metro 2 compliance standards and XXXX coding requirements, specifically : - Improper use of Compliance Condition Codes ( CCC ) - should be using XB ( Consumer Disputes ) and XXXX ( Identity Theft ) codes - Improper handling of my identity theft flags/security freeze which were placed on XXXX XXXX XXXX  - Violation of XXXX Metro 2 Format regarding handling of name variations and mixed file indicators- Violation of TILA and ECOA requirements as incorporated in XXXX XXXX

Company response to consumer: Closed with explanation