vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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 Protection Bureau ( CFPB ) the document needed 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 kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c 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 2025-07-25 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: FL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: DC

Complaint narrative:
Midland Credit Management This collection agency has pursued me for years to collect a debt that I was never informed about. I discovered this debt on my credit report after searching their website, and I have attached the account details associated with my name. They did not notify me about this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: OH

Complaint narrative:
I am writing to dispute an account that is being reported on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) pursuant to 15 U.S.C. 1681c-2. Therefore, I respectfully request that this information be blocked or deleted immediately. 

I am enclosing a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC REPORT NUMBER : XXXX, as supporting evidence for my claim.

According to 15 U.S.C

. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are legally required to block any information identified by the consumer as resulting from such identity theft within four ( 4 ) business days.

The following information in my credit file is the result of a clear FCRA violation and must be blocked immediately : Collection / Account Number : XXXX Additionally, 15 U.S.C. 1681b, which states that a credit reporting agency may not include information in a consumers file unless there is a valid authorization or permissible purpose. I never authorized the opening or reporting of this account, and there is no signed contract or consent from me that justifies its inclusion in my credit report.

Therefore, the continued presence of this account constitutes not only a result of identity theft but also the unauthorized use and disclosure of my personal information, in direct violation of the FCRAs requirements.

In accordance with 15 U.S.C. 1681c-2 and 1681b, I respectfully request that this account be blocked and deleted immediately from my credit report and that it no longer be reported in any manner.

I have contacted Equifax on multiple occasions to report these accounts, but I have yet to receive a clear or definitive resolution to this matter. This situation is causing me serious harm, as I am in the process of purchasing a new home for my children and seeking financial tools to support my economic growth. These negative accounts are blocking my opportunities and causing both personal and financial damage. 

Furthermore, these accounts have already been deleted by other credit bureaus, as they were unable to verify them under the procedures required by law. I do not understand why this agency continues to report this account on my credit file. 

I have also requested copies of any contracts related to these accounts from the company reporting them, and after more than 60 days, I have not received a single response. This further supports the fact that there is no verifiable evidence or legal basis for continuing to report this information. 

I respectfully request that you assist me by removing these accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UMB FINANCIAL CORPORATION
State: MO

Complaint narrative:
My company banked with XXXXXXXX XXXX XXXX. We had fraudulent transactions that were unauthorized from an account. I informed my banker that the transactions were fraudulent while they were still pending. The bank failed to stop the transactions. My banker at UMB didn't report the fraud to their fraud department.

More fraudulent transactions were made from the account. UMB failed to stop the transactions. UMB failed to stop transaction made by the fraud source. After they informed me they could stop future transactions for specific dollar amounts, the bank failed to stop transactions for those specific dollars amounts again. 

XXXXXXXX XXXX XXXX failed to stop fraud of over XXXX from my business accounts in XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint against Chase Bank regarding the abrupt and unauthorized closure of my credit card account, specifically associated with my Chase Freedom Flex card ending in XXXX, and the unexplained forfeiture of my accumulated rewards. Below are the details of the issue : 1. Account Closed Without Prior Notification or Consent I recently discovered that my Chase credit card account was closed without any prior communication, notification, or authorization on my part. I was not informed via email, postal mail, phone call, or through the Chase secure message center. This action occurred without giving me any opportunity to resolve potential issues or to redeem the XXXX points I had accumulated. 

2. Continued Communication About Active Account Even after the account had been closed, I continued receiving emails from Chase promoting Freedom Flex card benefits and updates. These communications gave the impression that the account was still active, adding to the confusion.

3. Lack of Transparency and Unclear Reasoning When I reached out to Chase for clarification, I received no satisfactory explanation regarding why my account was closed or why the reward points were forfeited. I have been a loyal Chase customer for over 10 years and have always maintained good standing with the bank. This experience has caused unnecessary distress and inconvenience.

4. No Opportunity to Redeem Points The closure resulted in the " loss of XXXX points '' equivalent to approximately {$910.00}. At no point was I given the opportunity to redeem or transfer these points prior to the account termination. 

5. Request for Resolution Ignored I attempted to contact Chase Bank to resolve the matter amicably either through reinstating the account or restoring the forfeited points. To date, my efforts have not produced any resolution.

I strongly believe this situation is unfair and potentially indicative of broader systemic issues, as many other Chase customers have reported similar experiences online. According to Ch
ases own public materials, certain account closures may be eligible for reinstatement depending on the circumstances. I respectfully request the CFPB 's help in reviewing this matter.

Desired Outcome : 1. A full investigation into the account closure and the failure to communicate properly 2. Reinstatement of my credit card account ( if feasible ), or XXXX. Restoration or compensation for the forfeited XXXX points ( valued at approximately ~ {$910.00} ) This experience has been frustrating and disappointing. I believe Chase should be held accountable for how it handles long-term customer relationships and reward forfeitures without due process. I appreciate your time and support in helping to resolve this matter fairly and promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, 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 Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. 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. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-25 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: TX

Complaint narrative:
I noticed that my credit report contains hard inquiries that I did not initiate. I am very concerned about the implications of this and the possibility of fraudulent 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 explanation
Consumer complaint received 2025-07-25 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: WI

Complaint narrative:
The three major credit reporting agencies are reporting unauthorized fraudulent hard inquiries on my credit report. Please see attached dispute letter and attached FTC 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 non-monetary relief
Consumer complaint received 2025-07-25 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: EQUIFAX, INC.
State: SD

Complaint narrative:
There are XXXX different companies with XXXX accounts with each that were opened without my knowledge or my authorization, these accounts are as follows.1 XXXX  XXXX  account number ending XXXX and a open date of XX/XX/XXXX with a {$5300.00} balance, XXXX XXXX  XXXX  account ending XXXX with an open date of XX/XX/XXXX showing a high balance of {$49000.00} and a balance of {$0.00}, XXXX XXXX XXXX with account ending XXXX and an open date of XX/XX/XXXX and a balance of {$47000.00}, XXXX XXXX XXXX XXXX account ending XXXX with an open date of XX/XX/XXXX and a balance of {$4500.00}, XXXX XXXX XXXX XXXX with an account ending XXXX and an open date of XX/XX/XXXX and a balance of {$2900.00}, XXXX XXXX XXXX XXXX with account ending XXXX with an open date of XX/XX/XXXX and a balance of {$1400.00}. XXXX XXXX  XXXX last reported XX/XX/XXXX in the amount of {$49000.00}, XXXX XXXX XXXX in the amount of {$4600.00}, XXXX XXXX XXXX in the amount of {$6100.00}, XXXX XXXX XXXX in the amount of {$7500.00}, plus all hard inquiry listed is also fraud as i have not given authorization for my credit to be checked. I have disputed this information several times with the Credit Bureau and the creditor and this info remains on my profile, Please remove any and all information related to these creditors from my credit profile as these are a result of fraud and identity theft. Equifax has failed to remove these without proof of ownership, as required by federal law. I have filed a report with local law enforcentmet and the FTC my case number is XXXX. Please remove any and all fraud accounts and innaccurate information as failing to do so is a federal violation of FCRA and I will take this to federal court if not removed in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 2025-07-25 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: CA

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 explanation
Consumer complaint received 2025-07-25 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: VA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$14.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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:
Improper credit reporting ; failure to remove unauthorized inquiries and fraudulent accounts despite dispute ; hostile and unprofessional conduct by TransUnion managers

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 2025-07-25 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to XXXX  + TransUnion regarding my credit score drop XXXX points for my student loans. I did NOT give any written consent to submit my personal information to the credit bureaus. I asked for a detailed explanation of the circumstances and legal basis under which my loan information was shared with the credit bureaus which are considered a third party along with my written consent with it. The mishandling of my student loan account is a direct violation of my rights. Under The Fair Credit Reporting Act, 15 U.S. Code 1681, specifically, the account reported by XXXX XXXX -- relating to my student loans -- is inaccurate and misleading and was reported without proper disclosure and authorization. The information on this account, including late payment history does not reflect accurate or complete information and has been reported in violation of FCRA. I am not asking for student loan forgiveness, I am asking for proof of my written consent and asking for the immediate removal of the negative items reflecting on my credit report and I demand that XXXX  and TransUnion remove student loans from reflecting on my credit report. I would like a copy of the policies regarding information sharing and credit reporting for federal student loans. I need to see a copy of any disclosures, notices, or authorizations claimed to have been provided by me regarding the credit reporting. I appreciate your immediate attention to this matter and look forward to your prompt response to get this handled quickly. 

Sincerely, XXXX XXXX. ( Please see attachment below ).

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 2025-07-25 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:
To Whom It May Concern, I am writing to Equifax + XXXX  regarding my credit score drop XXXX points for my student loans. I did NOT give any written consent to submit my personal information to the credit bureaus. I asked for a detailed explanation of the circumstances and legal basis under which my loan information was shared with the credit bureaus which are considered a third party along with my written consent with it. The mishandling of my student loan account is a direct violation of my rights. Under The Fair Credit Reporting Act, 15 U.S. Code 1681, specifically, the account reported by XXXX XXXX -- relating to my student loans -- is inaccurate and misleading and was reported without proper disclosure and authorization. The information on this account, including late payment history does not reflect accurate or complete information and has been reported in violation of FCRA. I am not asking for student loan forgiveness, I am asking for proof of my written consent and asking for the immediate removal of the negative items reflecting on my credit report and I demand that Equifax and XXXX  remove student loans from reflecting on my credit report. I would like a copy of the policies regarding information sharing and credit reporting for federal student loans. I need to see a copy of any disclosures, notices, or authorizations claimed to have been provided by me regarding the credit reporting. I appreciate your immediate attention to this matter and look forward to your prompt response to get this handled quickly. 

Sincerely, XXXX XXXX. ( Please see attachment below ).

Company response to consumer: Closed with non-monetary relief