vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
There are several accounts listed on my credit report that were not opened or approved by me. These entries are the result of fraud and must be deleted. As outlined in 15 U.S. Code 1681g, I am requesting their removal within 15 days. Supporting evidence is enclosed for your reference.

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 2025-06-17 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: CA

Complaint narrative:
I have discovered fraudulent accounts under my name in my credit report. I had no part in opening them and request that they be removed immediately. As stated in 15 U.S. Code 1681g, please delete them within 15 days. Supporting documentation is included.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-06-17 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: MN

Complaint narrative:
The potentially negative credit card accounts, personal loan accounts, hard inquiry, soft inquiries and addresses currently listed and showing on my Experian credit report number : XXXX, XX/XX/XXXX are fraudulent and unauthorized accounts, not my hard inquiry or soft inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiry : XXXX XXXX XXXX XXXX XXXX  , All of the Consumer Report Views/Soft Inquiries are not my soft inquiries. The following addresses are not my addresses : 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 Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : 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 2025-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Quall Cardot LLP
State: CA

Complaint narrative:
California-Specific Penalties : California law requires debt collectors to inform debtors if a debt is time-barred in their first written communication after the statute of limitations expires. Failure to do so can result in penalties under California 's Fair Debt Collection Practices Act, including actual damages and a statutory penalty between {$100.00} and {$1000.00}. Debt collectors are also prohibited from threatening legal action on time-barred debts. 

I received no such notice in XXXX  and no such notice after I was served by a sheriff I knew nothing about. I just spoke to a attorney and he said if they didnt give me a notice there in violation and the case should be dismissed and they owe me XXXX plus my time humiliation and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: NC

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-06-17 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: IL

Complaint narrative:
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. These fraudulent accounts consist of an account opened at 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 XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 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
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
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. These fraudulent accounts consist of an account opened at 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 XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: GA

Complaint narrative:
b'Certified tracking number: XXXX XXXX XXXX XXXX XXXX XXXXn\n\nThis following dispute was sent to the credit reporting agency.\n\nThis notice serves as a demand for the permanent deletion of data currently being reported on my credit file that are inaccurate, incomplete, outdated, or unverifiable.\nPursuant to my rights under the Fair Credit Reporting Act (FCRA), originally enacted as XXXX XXXX XXXX XXXX which was enacted in XXXX  to promote accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies (CRAs).\XXXX XXXX XXXX - Duty to correct and update information.\XXXX XXXX XXXX XXXX Treatment of inaccurate or unverifiable information.\nYou must complete the reinvestigation and deletion in satisfaction with 1XXXX XXXX XXXX XXXX  - Procedure in case of disputed accuracy. For quicker responses you may reply to the email provided on the top left corner of this notice.\nTo verify my identity, I have included the following documents:\n 1 copy of my government-issued ID\n\n\nProof of current address\nFull of credit report, XXXX XXXX\nYou have XXXX  calendar days from receipt of this notice to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, someone fraudulently used my name to apply for four credit cards and a loan. Fortunately, those applications did not go through at the time. On XX/XX/XXXX, I contacted Experian to dispute the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as of today ( XX/XX/XXXX ), I received a XXXX credit card in the mail. Additionally, XXXX XXXX is now showing a XXXX account under my name with a reported balance of {$1300.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: MI

Complaint narrative:
I have accounts that I don't recognize and I want them removed permanently from my credit report. I recently did a FTC report the number is XXXX and the accounts are as follows to be permanently removed from the credit report - XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( multiple entries ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-06-17 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: FL

Complaint narrative:
There is a hard inquiry on my credit report that is not the result of any transaction or credit application initiated by me. I request that this be deleted to correct the record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: FL

Complaint narrative:
I charged XXXX dollars onto my discover card. I have had auto pay on the card for years. I have never taken it off just because I lead a busy life. They removed the auto pay for some reason and then had the audacity to charge me XXXX dollars for a late fee. This is excessive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: LEXISNEXIS
State: GA

Complaint narrative:
Im requesting LexisNexis to provide Disclosure report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
I never initiated or approved the inquiry reflected on my credit report. No application was made, and no permissible purpose existed. I request that this entry be removed to accurately reflect my credit activity.

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 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I sent {$300.00} via XXXX from my Chase account to someone I believed was selling me a product. After I sent the money, the person stopped responding, blocked me, and never provided tracking or the item. 

I contacted my bank the same day and reported the scam. However, they denied my claim, saying it was authorized. I understand that I initiated the transaction, but it was done under false pretenses. This is clearly fraud. 

I have screenshots of our conversation, payment proof, and evidence I was blocked. 

Im requesting the bank and XXXX to investigate this case as fraud and refund my {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Help, CFPB. I am tired of repeating myself. I previously reported TransUnion for reinserting accounts that were already deleted following valid disputes, and now Im back because theyre STILL doing it. The accounts in questionXXXXXXXX XXXX XXXX XXXXXXXX ) and XXXX ( XXXX ) were removed from my report, yet TransUnion unlawfully reinserted them without notifying me, without getting new certification from the furnishers, and without providing any written explanation. This is a direct violation of the Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii )- ( iii ). No 5-day notice was ever sent, and no justification was given.

I reviewed all the letters I previously received from TransUnion, and I just realized that I have two letters dated XX/XX/XXXX and XX/XX/XXXX confirming that the XXXX account was deleted. Ive attached both to this complaint as proof. 

Instead, TransUnion keeps replying to my disputes with the generic phrase " verified as accurate, '' but refuses to explain how, and they failed to provide any Method of Verification as required by law. Under 1681i ( a ) ( 7 ), I have the right to a clear description of the reinvestigation processyet they still havent provided it. I've given them multiple chances to comply and be transparent, and theyve failed every time. Their reinsertion of accounts without notice is not just illegalits deceptive and negligent.

I never gave TransUnion or any other party permissible purpose to report or re-report these accounts, making this a clear violation of 15 U.S.C. 1681b. To make it worse, these accounts are not appearing on XXXX and conflict with whats being reported by XXXX, showing that TransUnion is failing to ensure maximum possible accuracy, as required under 1681e ( b ).

TransUnions actions are not just sloppythey are a pattern of willful noncompliance under 1681n and negligent behavior under 1681o. This isnt a misunderstanding. Its an abuse of consumer rights. And now Im attaching proofincluding a copy of my FTC Identity Theft Report and my previous deletion confirmationsso the CFPB can see exactly what Im referring to. I demand enforcement action. Permanently delete these accounts, force TransUnion to produce full documentation of their so-called reinvestigation process, and hold them legally accountable for every violation.

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 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I am filing a complaint regarding how Chase Bank applied a payment to my credit card account, which resulted in unexpected and ongoing interest charges. 

Specifically, I used a balance transfer from XXXX XXXX to pay down my Chase credit card. My intention was to pay off the interest-accruing portion of my balance. However, Chase applied the payment to a promotional 0 % balance transfer portion instead of the higher-interest purchase balance. As a result, I am now being charged monthly interest on the remaining purchase balance that I had intended to pay off. 

I reached out to Chase to explain the situation and requested - A goodwill reversal of the interest charges caused by the misapplication. 
Chase refused to make any adjustment, even though their payment application contradicts the good faith purpose of my transaction. I was not made aware at any point that such a misapplication would occur, and it defeats the entire purpose of transferring the balance to reduce interest. 

I believe Chase failed to disclose how they would apply such a payment and used this lack of clarity to their advantage, resulting in unfair and unnecessary interest charges. 

I am requesting the interest charges that resulted from the misapplication of the XXXX XXXX balance transfer to be reimbursed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: AL

Complaint narrative:
I do not owe this debt. Company has refused to send me a debt valuation letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I felt scammed and ripped out and every time I had a problem I couldnt even talk to no one or went inside a real bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: AL

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

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 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
Since XXXX I have been fighting with XXXX to remove this credit card from my account. Each time I dispute it, they start the length of time on my account over so it just won't go away. I have given the credit bureaus and them the information on the person but they refuse to remove it from my report. It isn't my debt. The balance is {$470.00}. On XX/XX/XXXX XXXX  sent me a notification stating this was deleted from my report, but today I got one stating it was staying. 


Neither company has sent over proof of debt despite having the persons information, the police report and constantly disputing. I am not responsible and I need the harassment calls to stop, I want it off of my credit and to to stop being harassed.

Company response to consumer: Closed with non-monetary relief