vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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: PA

Complaint narrative:
XXXX  I came across an unauthorized inquiry on my credit report, and I am incredibly frustrated because I dont know where it came from. I thought maybe it was a temporary glitch and refreshed my browser, but the inquiry remained. Im demanding an immediate and thorough review of my submitted documents to make sure this is resolved quickly and doesn't continue to cause me 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 2025-06-12 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: IL

Complaint narrative:
I am filing this formal complaint against XXXX XXXX ( Original Creditor : XXXX XXXX  ) and the associated debt collector for reporting inaccurate and derogatory information on my consumer credit reports ( TransUnion and Equifax ).

Summary of Complaint : 1. The account in question ( Account # : XXXX * *, Balance : {$100.00} * * ) is being reported as a derogatory collection account with a charge-off status.

2. I dispute the accuracy, ownership, and validity of this account. The reporting furnishes conflicting and inconsistent information across bureaus. For example : Date Opened discrepancies ( TransUnion reports XX/XX/2022, Equifax reports XX/XX/2022 ). 
Conflicting comments : One bureau reports Account information disputed by consumer, meets FCRA requirements, while another reports Consumer disputes this account information. Subject has not satisfied debt. The inconsistency is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ) regarding the duties of furnishers of information upon notice of dispute.

3. Furthermore, my personal identifying information ( PII ) was compromised in a documented data breach ( Engagement Number XXXX ), and I have reason to believe that this account may be a direct result of that breach. This has placed me at increased risk of fraudulent activity and inaccurate reporting on my credit reports.

4. The continued reporting of this account, in light of these documented disputes, potential identity theft exposure, and data breach concerns, represents a failure to conduct a reasonable investigation as required under the FCRA, as well as noncompliance with the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to violations of 15 U.S.C. 1692e ( 8 ) for communicating false credit information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: RI

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: OH

Complaint narrative:
Several companies have made unauthorized inquiries into my credit report, directly damaging both my credit and score. Despite prior assurances from your representative that these inquiries would be removed, they still remain. This failure to act is unacceptable. Their continued presence raises serious concerns of identity theft and is causing ongoing emotional and financial harm. These unauthorized and potentially fraudulent inquiries must be removed immediately to restore the accuracy and integrity of my credit report. I demand a prompt and thorough investigation without further delay.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My address is XXXX XXXX XXXX, XXXX XXXX IL XXXX. I have been trying to remove all other addresses off of my credit file because those addresses are incorrect. I want them removed from my file. 
I received a letter from XXXX group. Its hospital sisters health system, and they informed me that my credit information was exposed when a third-party individual unauthorized gain access to my records into my personal information so XXXX asking that you look at the attached letter and I also asking that any credit report anything on my credit report that you see then I dont have that open account. XXXX asking that all inquiries be removed from my report my credit report on XXXX XXXXXXXX XXXX XXXX XXXX so thats what XXXX asking. XXXX asking did you please remove those from my credit report and they could include on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: TX

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting of the balance on my XXXX XXXX XXXX  auto loan account ( # XXXX ) as it appears on my TransUnion and Equifax credit reports. 

Specifically, Equifax is reporting a balance of {$33000.00}, while TransUnion is reporting {$32000.00} for the same account. This is a clear and unjustified discrepancy that calls into question the accuracy of the data being furnished to the credit bureaus.

To date, no documentation has been provided to validate the balance being reported. Under the Fair Credit Reporting Act ( FCRA 607 ( b ) ), both furnishers and credit reporting agencies are required to ensure that all reported information is complete, consistent, and reflects the maximum possible accuracy. In this case, that obligation has not been met.

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 2025-06-13 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: NC

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 2025-06-13 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
The company Early Warning is causing me banking issues due to their faulty reporting system. They are impossible to get the information from and they are cited as the reason that i can not open a business banking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: NJ

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: TN

Complaint narrative:
TransUnion Credit Bureau at XXXX phone numbers : XXXX AND XXXX the robotic system required my zip code, Social Security Number, Date of Birth, number part of my address then REQUIRED {$9.00} credit card purchase before I had verified that they would send my credit report to the right address. I had to struggle to get to a customer service person ( XXXX ) with whom I found out that the system was set to send my credit report and personally identified information to my old post office address that has been closed for OVER XXXX XXXX As such, if I would not have spoken to the customer service person, TransUnion would have sent my credit report to a stranger who would have my old post office box. This business practice is deceptive and would have violated XXXX and the Privacy Act. Moreover, TransUnion is reporting the old post office box is inaccurate information. TransUnion failed to disclose that it would take XXXX to XXXX XXXX to send my credit report, well below customer service standards. I requested a call from a supervisor and I have been refused. Please STOP TransUnion 's deceptive and erroneous business practices. Please tell customers that TransUnion will report inaccurate information.

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 2025-06-12 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: PA

Complaint narrative:
This morning, I was extremely upset to find an unauthorized inquiry on my credit report. I always monitor it closely, so this sudden change was both alarming and confusing. I even tried refreshing the page, thinking it might be a technical issue, but nothing changed. Im seriously frustrated, and I need the documents I submitted to be reviewed immediately and thoroughly to prevent this from happening again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Im submitting a supporting attachment that supplements the following CFPB complaints : - Complaint ID : XXXX ( Submitted XX/XX/year> ) - Complaint ID : XXXX ( Submitted XX/XX/year> ) - Complaint ID : XXXX ( Submitted XX/XX/year> ) This document was recently located while reviewing archived records and relates directly to the XXXX XXXX context already described across these complaints. It complements the previously submitted updates and ensures the documentation record is complete and fully supported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: DISCOVER BANK
State: MT

Complaint narrative:
I received a fraudulent text message from the Missouri Department of Transportation, telling me to pay a toll. I live in Montana, but was recently in Missouri. I followed the link, but when I realized it was not legitimate, I promptly closed the link without entering any information and deleted the text message. 

Shortly after that, I received an email from Discover Card notifying me that I could now set up my Discover card on XXXX XXXX. During this process, my card was somehow accessed for XXXX XXXX on someone else 's phone. I spoke with Discover Card, and they asked if I recognized the phone number used to verify the XXXX XXXX authorization. I did not recognize it. 

My card was used to process XXXX transactions for a total of {$2700.00} at XXXX XXXX XXXX XXXX NY. 

Discover is saying that these transactions are not fraudulent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-12 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NY XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$130.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$190.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00} CAPITAL XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$780.00} XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8700.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX XXXX XXXX - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$3200.00} VISIONS FCU - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$43.00} INQUIRIES : XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: SC

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 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 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SANTANDER HOLDINGS USA, INC.
State: RI

Complaint narrative:
My Santander account was closed after a XXXX fraud dispute that had nothing to do with me personally. The sender, XXXX XXXX, willingly sent money to my account to forward to someone else named XXXX he is a jeweler and business owner I usually do business with I followed instructions and did not keep or benefit from any of those funds. 

Despite sending proof of this and fully cooperating with your fraud department, Santander took {$3700.00} of my own personal money funds that were already in my account before any of these transactions happened and used it to pay back the XXXX dispute. 

I was not the one who initiated or benefited from the XXXX payments. I was unknowingly caught in the middle of something between other people, and now Im the one being penalized. My account is now closed, and Ive been left without access to {$3700.00} of my own hard-earned money. 

I am requesting a full and fair review and the immediate return of my personal funds. I have done nothing fraudulent, and I provided all messages and proof to show that.

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 2025-06-12 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: WA

Complaint narrative:
I am submitting this attachment as part of my formal dispute regarding inaccuracies found on my credit report. Please find below a detailed account of the discrepancies related to my names, addresses, and credit inquiries that require correction. 
XXXX. Incorrect Addresses : The following addresses appear on my credit report that are either outdated or not linked to me : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX These addresses do not correspond to my current or previous residences. 
My correct address is : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX  XXXX I request that you update my credit report with my correct address and remove any incorrect or outdated addresses. 
XXXX. Unauthorized Credit Inquiries : The credit report lists several hard inquiries that I do not recognize and have no recollection of authorizing : XXXX. 
XXXX XXXX XXXX Account Number : XXXXXXXX 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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services and Experian Credit Bureau account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief