vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am disputing a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) that TransUnion continues to report, even though it is unverifiable. I submitted official documentation from the U.S. Bankruptcy Court confirming that the court does not verify or report any information to credit reporting agencies. 

This violates the Fair Credit Reporting Act ( FCRA ), specifically : 1681e ( b ) Failure to ensure maximum possible accuracy 1681i Failure to conduct a reasonable reinvestigation 609 ( a ) ( 1 ) ( A ) Failure to verify disputed information using original sources XXXX XXXX XXXX already removed the bankruptcy from my report after reviewing the same documentation. I am demanding that TransUnion permanently delete the bankruptcy and provide me with a written confirmation. 

I am attaching the official court letter that proves the court does not furnish or verify bankruptcy data.

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 2025-06-02 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: MI

Complaint narrative:
I, XXXX XXXX XXXX, am a verified victim of identity theft, as documented in FTC Report # XXXX, notarized affidavit, and an itemized list of fraudulent accounts and inquiries. Despite submitting this evidence to [ XXXX  / Experian / XXXX  ], they have failed to block the fraudulent information from my credit report within the required 4 business days under FCRA 605B ( 15 U.S.C. 1681c-2 ).

The following information was fraudulently placed on my report without my knowledge or consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Multiple unauthorized credit inquiries Incorrect personal names, addresses, and employment This information was supported by : A notarized identity theft affidavit The official FTC identity theft report A list of affected accounts and inquiries Government-issued ID and address verification The bureau is also in violation of : FCRA 623 ( a ) ( 6 ) : Duties of furnishers to cease reporting ID theft-related data FCRA 615 ( f ) : Prohibition on selling or transferring debt caused by ID theft FTC Opinion Letters ( XXXXXXXX XXXX XXXXXXXX ) : Reinforce the obligation to block unverifiable or re-aged accounts Additionally, due to several recent high-profile data breaches, including : XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX  ( XXXX ) XXXX  XXXX XXXX XXXX  ( XXXX ) the continued reporting of any unverifiable or disputed derogatory data poses a substantial risk and violates the requirement to maintain maximum possible accuracy under FCRA 1681e ( b ).

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 2025-06-02 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: IL

Complaint narrative:
I recently reviewed my credit history, and I noticed paid collection report on my report from XXXX XXXX XXXX. I never had any contract with XXXX XXXX XXXX. Please remove this collection record from my record, it's affecting my ability to get loan

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Received a Chase Preferred Credit card by mail on XXXX XXXX. Attempted to try using it a week later but the account was closed by them. Received a letter from Chase 2 weeks later asking for copies of my drivers license and birth certificate. These items were sent several times by fax and certified mail with no response. 

Upon calling them, they stated that they did received them but decided not to open back up my account again. They informed me that they didnt have to give me a reason and could it with out my consent. When asked why they wouldnt provide an answer. My credit score is good and my annual income is {XXXX} per year. I was told by telephone that none of that mattered My initial account was opened and closed again after they approved it. I fear of saecurity reasons that they or someone else has my personal information and questioned why they would have requested it in the first place. Please help me in this stressful matter. Thank you for your help and assistance. XXXX XXXX XXXX. Email is. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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:
These inquiries are not familiar to me and appear to be unauthorized. Please take immediate steps to address this matter. Additional clarification is included in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: OH

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 2025-06-02 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: NC

Complaint narrative:
This is to formally notify you that a data breach resulted in fraudulent accounts on my credit report. Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request their immediate blocking and removal 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, NC XXXX XXXX delete and block the following accounts from my credit report Accounts Inquiries XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX 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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
A XXXX  XXXX bankruptcy is being reported on my credit file, which I did not file. 
Details : Bankruptcy Type : XXXX  XXXX Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference Number : XXXX Court : U.S. Bankruptcy Court / Federal Closing Date : XX/XX/XXXX Liability : {$0.00} Asset/Exempt Amount : {$0.00} I believe this bankruptcy is fraudulent and not associated with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
b"I applied for a Wells Fargo credit card on XXXX for the amount of XXXX  with no interest for XXXX  months. I forgot the end of XXXX  months is XXXX I didn't get any notice from Wells Fargo that the interest would kick in in XXXX XXXX; they charge me $XXXX  interest. This is outrageous. I understand that they need to charge interest but consumers must be notified in writing at least 30 days before it is due. My name is XXXX XXXX XXXX, my account is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, my cellphone XXXX. I had called Wells Fargo to negotiate an interest reduction but they didn't agree to my request, please help. Thank 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 monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the following account appearing on my credit report : Creditor : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX I am unaware of this alleged debt and have not received any prior notice or opportunity to dispute it, as required under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). If you claim to have notified me, I request you provide the following : A copy of the debt validation notice sent to me via certified mail, Proof of delivery including receipt bearing my signature. 

If you are unable to provide this documentation, I demand that you immediately delete this account from my credit report. 

Please consider this a formal request for debt validation and take notice that failure to respond adequately or to remove this unverified account XXXX result in legal action to enforce my rights under federal and state consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2025-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
My bank abruptly closed my personal checking account without providing any explanation. I received a letter stating the account would be closed, but no reason was given. When I called customer service, they advised me to visit a branch in person. After spending over XXXX minutes at the branch, a bank employee informally suggested the closure may be related to my country of origin. 

I am a XXXXXXXX XXXX XXXX XXXX XXXX XXXX, who has sought XXXX and protection from the regime in XXXX in the United States. I have not been to XXXX in over XXXX years and have no financial ties to the country. I work full-time at a XXXX XXXX XXXX D.C., and all of my financial transactions have been within the United States . 

I believe this account closure may be discriminatory, and I am concerned that it could be based on assumptions or profiling. I was not given an opportunity to respond to any concerns, nor was I provided any documentation or reasoning. When I followed up, they simply did not respond to me, promised to follow back, but failed to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
XXXXThis is Goldmam sach Apple credit card. Previously I was credited approxXXXX in unauthorized fees pending thier investigation. The fees have been reversed and the published number XXXX XXXX XXXX does not ring.  XXXX  themselves want nothing to do with my concern, they push it to Goldman'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc.
State: AZ

Complaint narrative:
submitted a formal dispute to Innovis on or around XX/XX/year>, regarding the reporting of a bankruptcy record on my consumer file. In response, Innovis claimed to have verified the account, but failed to provide the source of the verification, nor did they provide a Description of Procedure as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

Under the FCRA, credit reporting agencies must conduct a reasonable reinvestigation and verify data with an actual data furnisher. If Innovis used XXXX, XXXX, or any third-party aggregator, this does not meet the legal standard for verification under the FCRA. 

The continued reporting of unverifiable or inaccurately verified public record data violates my rights under : 15 U.S.C. 1681i ( failure to reinvestigate ) 1681e ( b ) ( failure to ensure maximum possible accuracy ) 1681n and 1681o ( damages for willful/negligent noncompliance )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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:
Im new to credit I signed in and seen accounts that was not known to my knowledge and I never set up or created these accounts

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 2025-06-02 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: CA

Complaint narrative:
Im new to credit I signed in and seen accounts that was not known to my knowledge and I never set up or created these accounts

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 2025-06-02 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:
I am submitting this complaint regarding multiple accounts on my credit report that appear to reflect inaccurate, unverifiable, or potentially duplicate information. These accounts, especially those from XXXX, are reporting 90-day late payments in both XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, across several duplicated entries. These repeated delinquencies raise concerns about reporting accuracy and possible system-wide error. 
XXXX XXXX Date opened : XX/XX/XXXX Balance : XXXX XXXX Date opened : XX/XX/XXXX Balance : XXXX XXXX Date opened : XX/XX/XXXX Balance : XXXX XXXX Date opened : XX/XX/XXXX Balance : XXXX XXXX Date opened : XX/XX/XXXX Balance : XXXX XXXX Date opened : XX/XX/XXXX Balance : - All have XXXX XXXX 90 days late and 90 days late in XX/XX/XXXXXXXX XXXX  which made it looks suspicious XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$3600.00} Reason for Dispute : Data Breach and Inaccurate Reporting XXXXXXXX XXXX XXXX  was involved in a data breach, which exposed customer data and caused widespread inaccuracies in consumer account reporting. This breach has affected my personal information, leading to discrepancies in the accuracy of the account. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request the removal of any account impacted by a breach that contains inaccurate information. The breach should have prompted a more thorough verification of the data, and the account should no longer appear on my credit report if inaccuracies or fraud are associated with it. 
Furthermore, the balance and open date on this account may have been incorrectly reported due to the breach. I request Experian immediately initiate an investigation into this account with XXXXXXXX XXXX to verify its legitimacy and remove it if it can not be verified accurately. 
XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$8300.00} Reason for Dispute : Data Breach, Fraudulent Reporting, and Metro 2 Compliance Violation Similar to XXXX, XXXX has been subject to multiple data breaches that may have impacted my account, possibly leading to fraudulent charges or incorrect late payment entries. Given that the FCRA requires creditors to report accurate and verifiable data, this account is likely compromised or improperly reported. If XXXX can not substantiate the balance and payment history on the account, this account should be removed under the FCRA for failing to meet the standard of accuracy and integrity in reporting.

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 2025-06-02 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: GA

Complaint narrative:
I submitted an initial letter to Experian back in XX/XX/year> and I didn't receive a response in XXXX to 45 days. I didn't receive a response until I notified the Consumer Protection Agency about the issue in XX/XX/year>. In response, Experian launched another investigation. I am attaching the original dispute letter that I sent and the certified mail

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 2025-06-02 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation