vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The XXXX credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXX  XXXX XXXX * * * * * * Balanced {$8.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: IL

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The XXXX credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXX  XXXX XXXX * * * * * * Balanced {$8.00}

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 2025-05-17 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am writing to express my concern regarding two unauthorized transactions that occurred on my credit card on XX/XX/XXXX for the amounts of {$65.00} and {$66.00}, both made at a XXXXXXXX XXXX. I would like to point out that I live in XXXX, North Carolina, and there are no XXXX locations in this city, so I could not have made these purchases. 

I initially attempted to dispute the transactions through the mobile app, but my request was not approved. As a result, I contacted your customer service on XX/XX/XXXX, and I was informed that my card would be blocked and a new card would be issued. I was also given a temporary credit for the disputed amounts while the investigation was ongoing. 

However, on XX/XX/XXXX, I noticed that the temporary credit was removed, and I was informed that my claim had been denied. 

I respectfully request a reevaluation of this dispute, as I had no involvement in these transactions and believe I have been a victim of fraud. I am happy to provide any additional information or documentation needed.

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 2025-05-17 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: TX

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
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 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

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 2025-05-17 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: CA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-17 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: CA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Context : was in XXXX for an internship from XXXX to XXXX, lived at XXXX XXXX XXXX XXXX, Zip Code XXXX - Night before deposit, roughly counted the cash, all XXXX dollar bills, at least {$3000.00}. Only roughly counted since I was operating on 3 hours of sleep. 
- Next day ( XX/XX/year>XXXX  ), deposited money at Chase ATM. ATM immediately jammed. 
- Filed report inside the Chase Branch, received {$3000.00} temporary credit a few days later ( XX/XX/XXXX ). 
- Received notice on XX/XX/year>XXXX  that " after internal research it was determined I should have only received {$740.00} '', which makes no sense since that's an impossible amount to make with {$100.00} bills. 
- Re-opened a claim for the {$2200.00} on the same day, denied on XX/XX/XXXX, reached out to Claims department ( and supervisor ) both of who said " nothing can be done. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: TN

Complaint narrative:
My credit report is currently displaying multiple inaccuracies and unauthorized accounts in violation of the Fair Credit Reporting Act ( FCRA ) and my consumer rights under 15 U.S.C. 1681e ( b ), 1681i, 1681s-2, and related provisions. 
XXXX. Incorrect Names : My correct legal name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are inaccurate or unauthorized and must be removed. 
XXXX. Incorrect Addresses : My only correct and verifiable address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX. All other addresses, including but not limited to XXXX, XXXX  and multiple outdated XXXX locations, must be removed. 
XXXX. Incorrect Employment Information : My only verified employer is XXXX XXXX XXXX Department. Please remove listings such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, as they are inaccurate or outdated. 
XXXX. Unauthorized or Non-Credit Accounts : I am disputing the presence of non-credit accounts such as : TXXXX XXXX XXXX XXXX  This does not qualify as a credit account or loan and was reported without valid written consent. 
All accounts reported by XXXXXXXX XXXX XXXX ( Student Loans ) I am invoking my rights under FERPA ( 20 U.S.C. 1232g ) and 15 U.S.C. 1681c-2. These entries involve educational records and were reported without FERPA-compliant consent. If they can not prove written authorization for furnishing this data to Equifax, they must be deleted. 
XXXX. Dispute of All Non-Auto and Non-Credit Card Accounts : I am requesting the deletion of any tradelines not related to an auto loan or credit card. All such tradelines must be verified with proper documentation or removed per FCRA 611 and 623 ( a ) ( 1 ) ( A ).

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 2025-05-17 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: TN

Complaint narrative:
My credit report is currently displaying multiple inaccuracies and unauthorized accounts in violation of the Fair Credit Reporting Act ( FCRA ) and my consumer rights under 15 U.S.C. 1681e ( b ), 1681i, 1681s-2, and related provisions. 
XXXX. Incorrect Names : My correct legal name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are inaccurate or unauthorized and must be removed. 
XXXX. Incorrect Addresses : My only correct and verifiable address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX. All other addresses, including but not limited to XXXX, XXXX  and multiple outdated XXXX locations, must be removed. 
XXXX. Incorrect Employment Information : My only verified employer is XXXX XXXX XXXX Department. Please remove listings such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, as they are inaccurate or outdated. 
XXXX. Unauthorized or Non-Credit Accounts : I am disputing the presence of non-credit accounts such as : TXXXX XXXX XXXX XXXX  This does not qualify as a credit account or loan and was reported without valid written consent. 
All accounts reported by XXXXXXXX XXXX XXXX ( Student Loans ) I am invoking my rights under FERPA ( 20 U.S.C. 1232g ) and 15 U.S.C. 1681c-2. These entries involve educational records and were reported without FERPA-compliant consent. If they can not prove written authorization for furnishing this data to Equifax, they must be deleted. 
XXXX. Dispute of All Non-Auto and Non-Credit Card Accounts : I am requesting the deletion of any tradelines not related to an auto loan or credit card. All such tradelines must be verified with proper documentation or removed per FCRA 611 and 623 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: OH

Complaint narrative:
I received a copy of my credit report and noticed some fraudulent accounts. I have attached a copy of the FTC Report, a copy of my driver 's license, a copy of my social security card, a proof of address. 

Account name Account # Amount XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$7100.00} XXXX Fed XXXX XXXX {$1000.00} XXXX XXXX {$1300.00} XXXX Fed XXXX XXXX {$25000.00}

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 2025-05-17 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: OH

Complaint narrative:
I received a copy of my credit report and noticed some fraudulent accounts. I have attached a copy of the FTC Report, a copy of my driver 's license, a copy of my social security card, a proof of address. 

Account name Account # Amount XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$7100.00} XXXX Fed XXXX XXXX {$1000.00} XXXX XXXX {$1300.00} XXXX Fed XXXX XXXX {$25000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: IL

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly.

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$100.00}

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am currently reviewing my Experian, Equifax and TransUnion credit report 's and there is a name variation reporting on my credit reports that is not mine. 
I would like to have the name XXXX XXXX deleted from my Experian, TransUnion and Equifax credit report and replace it with XXXX XXXX, XXXX, please.

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 2025-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I paid for an item from a company. They sent me the wrong model of item, and would not answer any attempts by phone or email to get my correct order. 

I opened a dispute with Amex, but Amex has not looked at the information I have provided showing the proof and keeps closing my dispute with no info.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, I was notified by Chase Bank that they were unilaterally closing both my checking and savings accounts. My checking account ends in XXXX and my savings account ends in XXXX. This decision was made without any advance notice, written explanation, or justification. I was told that my accounts were under internal review, and that an investigation would determine if my remaining funds could be returned to me. 

At the time of closure, both accounts contained personal funds I legally own, totaling approximately {$1500.00}. I was immediately locked out of my accounts and have not been given a specific timeline or guarantee that I will receive my funds back. 

This has caused significant disruption to my life, including the inability to pay rent and essential bills. I have asked for clarification, documentation, and expedited release of my funds but have received no meaningful response from Chase.

I am seeking the immediate return of my funds, a full written explanation for the closure, and confirmation that Chases actions comply with federal banking regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccurate unauthorized information reported in my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccurate unauthorized information reported in my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. XXXX XXXX ( XXXX ) and XXXX U.S. XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-17 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: LA

Complaint narrative:
A collection account from XXXX XXXX is being reported on my credit report. Allegedly opened account date is XXXX XXXX, balance {$24000.00}. I have not received proper validation of the debt, this reporting XXXX violate my rights under the Fair Credit Reporting Act ( XXXX  ) and/or the Fair Debt Collection Practices Act ( XX/XX/XXXX). Details : The account is listed under XXXX XXXX for an alleged debt that I do not acknowledge. I have not received adequate documentation showing that this debt is valid or that XXXX XXXX  has the legal right to collect it. I previously requested verification and/or validation, but have not received a sufficient response. The continued reporting of this account without verification is harming my credit and may be in violation of consumer protection laws. Request : I respectfully request that the CFPB investigate this matter and that XXXX XXXX be required to : XXXX. Provide full verification of the debt, including documentation and the original contract, or XXXX. Remove the account from my credit report if they can not validate the debt under FCRA and FDCPA guidelines. Im attaching a copy of my credit report where this account appears, as well as any prior communication with XX/XX/XXXX regarding this dispute.

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 2025-05-17 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
A collection account from XXXX XXXX is being reported on my credit report. Allegedly opened account date is XXXX XXXX, balance {$24000.00}. I have not received proper validation of the debt, this reporting XXXX violate my rights under the Fair Credit Reporting Act ( XXXX  ) and/or the Fair Debt Collection Practices Act ( XX/XX/XXXX). Details : The account is listed under XXXX XXXX for an alleged debt that I do not acknowledge. I have not received adequate documentation showing that this debt is valid or that XXXX XXXX  has the legal right to collect it. I previously requested verification and/or validation, but have not received a sufficient response. The continued reporting of this account without verification is harming my credit and may be in violation of consumer protection laws. Request : I respectfully request that the CFPB investigate this matter and that XXXX XXXX be required to : XXXX. Provide full verification of the debt, including documentation and the original contract, or XXXX. Remove the account from my credit report if they can not validate the debt under FCRA and FDCPA guidelines. Im attaching a copy of my credit report where this account appears, as well as any prior communication with XX/XX/XXXX regarding this dispute.

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