vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: FL

Complaint narrative:
that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint 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 2025-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a survivor of Identity Theft, and throughout my exploitation, my personal and financial information was utilized without my permission. Consequently, fraudulent accounts and debts were established under my name. I respectfully ask that you consider this context while reviewing my credit report and take appropriate actions to correct any inaccuracies or fraudulent activities. I have included documentation from pertinent authorities and organizations that can confirm my circumstances.

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: CA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
On XX/XX/year>, after numerous communications with Chase Bank, I was able to get a final payoff confirmed on my mortgage and was able to move forward with a closing and clear title on my property. 
After this happened, I noticed a withdrawal of {$25000.00} without my authorization and for no reason by Chase from my XXXX account and immediately notified my bank as well as Chase Bank. I also filed a complaint with the XXXX XXXX police department after not getting a satisfactory response from XXXX XXXX in the Executive Offices of JPMorgan Chase Bank. ( see attached ) XXXX refunded me the money and stated that they would deal directly with Chase regarding the embezzled funds and would put a block on my account to prevent that from happening again. 
Yesterday I received an email stating that my " mortgage was due '' and when I opened the link, I saw that they are listing a mortgage for over {$75000.00} that I do not owe and never applied for. 
This bank has numerous complaints for being messed up that I discovered by researching them on the internet. 
It is now becoming a harassment, and I am seventy-three years old with medical issues and do not need the added stress of their faulty accounting to negatively impact my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: LA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-19 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: NV

Complaint narrative:
A {$21000.00} LOAN WAS OPENED ON XX/XX/XXXX, THE COMPANY NAME AT THE TIME WAXXXX XXXX XXXX XXXX WAS NOT AWARE OF THIS LOAN BEING OPENED UNTIL 3 MONTHS AFTER, BECAUSE I WAS NOTIFIED BY EMAIL OF A DELINQUENT PAYMENT STATUS ON AN ACCOUNT BY THE CREDIT BUREAU. I FILED A POLICE REPORT WITH THE XXXX XXXX XXXX XXXX. I ALSO FILED A NUMOROUS REPORTS WITH THE FTC AS WELL. MY PERSONAL INFORMATION WAS INVOLVED IN THE XXXX  XXXX BREACH. SINCE THEN MY INFO HAS BEEN EXPLOITED ON THE DARK WEB. I CONTACTED XXXX  AND SUBMITTED ALL THE POLICE AND FTC REPORTS. I ALSO SUBMITTED AN IDENTITY THEFT AFFIDAVIT. I PREVIOUSLY REQUESTED THAT ANY INQUIRIES AND ACCOUNT INFORMATION BE REMOVED FROM ALL THE CREDIT BUREAUS, IN WHICH THEY COMPLIED. BUT A FEW YEARS LATER, A NEW ACCOUNT APPEARED ON MY CREDIT REPORTS UNDER THE NAME ACHIEVE LOANS FOR THE SAME DOLLAR AMOUNT OF {$21000.00} AND ALSO A COLLECTION COMPANY NAMED XXXX XXXX XXXX OPENED A COLLECTION ACCOUNT IN XX/XX/XXXX ATTEMPTING TO COLLECT THE DEBT.

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 2025-08-19 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: NV

Complaint narrative:
A {$21000.00} LOAN WAS OPENED ON XX/XX/XXXX, THE COMPANY NAME AT THE TIME WAS XXXX XXXX  I WAS NOT AWARE OF THIS LOAN BEING OPENED UNTIL 3 MONTHS AFTER, BECAUSE I WAS NOTIFIED BY EMAIL OF A DELINQUENT PAYMENT STATUS ON AN ACCOUNT BY THE CREDIT BUREAU. I FILED A POLICE REPORT WITH THE XXXX XXXX XXXX XXXX. I ALSO FILED A NUMOROUS REPORTS WITH THE FTC AS WELL. MY PERSONAL INFORMATION WAS INVOLVED IN THE EQUIFAX XXXX BREACH. SINCE THEN MY INFO HAS BEEN EXPLOITED ON THE DARK WEB. I CONTACTED XXXX  AND SUBMITTED ALL THE POLICE AND FTC REPORTS. I ALSO SUBMITTED AN IDENTITY THEFT AFFIDAVIT. I PREVIOUSLY REQUESTED THAT ANY INQUIRIES AND ACCOUNT INFORMATION BE REMOVED FROM ALL THE CREDIT BUREAUS, IN WHICH THEY COMPLIED. BUT A FEW YEARS LATER, A NEW ACCOUNT APPEARED ON MY CREDIT REPORTS UNDER THE NAME XXXX XXXX FOR THE SAME DOLLAR AMOUNT OF {$21000.00} AND ALSO A COLLECTION COMPANY NAMED XXXX XXXX XXXX OPENED A COLLECTION ACCOUNT IN XX/XX/XXXX ATTEMPTING TO COLLECT THE DEBT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> Central Portfolio Control XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Request for Debt Validation To Whom It May Concern, I am writing to formally dispute and request validation of the alleged debt that your office claims I owe. 
According to my credit report, you are reporting the following account : Collection Agency : Central Portfolio Control Original Creditor : XXXX XXXX Reported Balance : {$140.00} Date Opened : XX/XX/year> Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide proper validation of this debt, including but not limited to : - A copy of the original signed contract or agreement with the original creditor. 
- Documentation showing your legal authority to collect on this account. 
- A complete payment history, including how the balance was calculated. 
- Verification that you are legally licensed to collect debts in my state ( Texas ). 
If you can not provide this documentation, you must immediately cease collection activity and remove this account from any credit bureau reporting. 
This is not a refusal to pay, but a notice that your claim is disputed. Be advised that continued collection activity without validation is a violation of federal law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: IL

Complaint narrative:
To Whom It May Concern, Please be advised that the Social Security Number ( SSN ) associated with the credit file in question is the sole property of the Social Security Administration and is not my personal commercial identifier. Under 18 U.S.C. 8, any and all obligations or debts incurred under this government-issued identifier are recognized as obligations of the United States , not private obligations of a living man or woman.

Therefore, any party attempting to collect on, pursue, or report alleged debts under that SSN is operating in violation of the False Claims Act ( 31 U.S.C. 3729 ) by making or presenting a fraudulent claim to a federal entity specifically attempting to collect monies that are, by law, liabilities of the United States.

You are hereby notified that continued reporting or collection attempts on alleged debts tied to this SSN constitute willful misrepresentation, fraud, and damages, for which parties may be held personally and commercially liable.

I demand immediate removal of all such entries and derogatory information from the credit file associated with the above-mentioned SSN. Failure to comply will result in administrative and legal action being initiated in accordance with federal law. You have been on notice already and this needs to be done within the next 10 Days or face litigation. 

Respectfully, XXXX XXXX XXXX Secured Party / Authorized Agent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX, my balance was {$510.00} at the end of the posting day. Despite this, on XX/XX/XXXX Wells Fargo retroactively charged me two overdraft fees of {$35.00} each for two separate charges of {$25.00} ( XXXX and XXXX ). 

Wells Fargo charged overdraft fees in a way that directly contradicts their own published policy. Their next day grace period states that customers have until the following business day to bring the account balance positive to avoid overdraft fees. These fees were applied even though my balance was positive at the end of the posting day, and I was not afforded the grace period. When I contacted customer service, the representative could not give me a clear explanation. This is deceptive and appears unlawful.

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 2025-08-19 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:
In line with USC 1681g, these incorrect records must be found and expunged within fifteen days following notice.

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 2025-08-19 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit Systems is unlawfully reporting an alleged apartment debt on my credit file. At no point did I give consent for my personal information to be shared, sold, or transferred to this third-party debt collector. I never received any notification or introduction from this company informing me that they were handling or attempting to collect on this account. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Specifically : Under FCRA 15 U.S.C. 1681b ( f ), a furnisher has no permissible purpose to access or report consumer information without a lawful and verified contractual obligation. National Credit Systems has failed to provide proof of such authorization.

Under FC

RA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information that is inaccurate or can not be verified. This account remains on my credit report with no original signed lease, no itemized statement, and no proof of legal assignment. Under FDCPA 15 U.S.C. 1692e, debt collectors are prohibited from using false, deceptive, or misleading representations. Continuing to report an alleged balance without validation misrepresents the debt. Under FDCPA 15 U.S.C. 1692g ( b ), once a c
onsumer disputes a debt in writing, the collector must cease reporting and collection efforts until proper validation is provided. National Credit Systems has ignored this requirement.

Under FCRA 15 U.S.C. 1681e ( b ), credit information must be reported with maximum accuracy. Reporting an unvalidated and unverified account fails this standard.

I have repeatedly disputed this debt and requested validation, including : a copy of the original lease agreement with my signature, a full itemized breakdown of charges, and documented proof that National Credit Systems has legal ownership or assignment rights to collect. Instead of providing this, they continue to furnish unverifiable data to the credit bureaus.

At no time did I sign an agreement stating that my personal information could be transferred to National Credit Systems. There is no evidence that I authorized them to possess, share, or use my private data. The fact that they obtained and reported my information without my permission violates

FCRA 15 U.S.C. 1681b ( permissible purpose ), FDCPA 15 U.S.C. 1692c ( b ) ( third-party communication without consent ), and is a breach of my consumer privacy rights. Furthermore, I was never notified by my original ap
artment complex that this company would be handling my file. The lack of notification and introduction is deceptive, misleading, and unlawful. This entire transaction lacks transparency, violates federal consumer law, and continues to harm my credit standing and financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: AL

Complaint narrative:
I am submitting this formal complaint regarding Experian 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. 
On XX/XX/XXXX I disputed several fraudulent accounts and provided Experian with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, Experian failed to block the disputed items within the four business days required by 605B and instead verified the accounts without disclosing the sources or evidence of verification, violating 611s mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX  which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX bulletin underscores Experian 's failure to uphold consumer protections under the FCRA.

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 2025-08-19 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: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-08-19 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:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: FL

Complaint narrative:
The account showing the balance when we open three years ago, the balance when you called them is way different so also it was a account open and the same year by then that it is paid off, but still showing in my grave 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