vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, 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 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: GA

Complaint narrative:
I respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Subject : Dispute of Derogatory Credit Reporting Best Buy Credit Card ( Credit Report # XXXX ) To Whom It May Concern, I am writing to formally dispute the derogatory information reported on my credit file regarding my Best Buy/CBNA credit card, specifically concerning missed or late payments for the months of XXXX, XXXX, and XXXX of XXXX. 

During this period, I was dealing with significant family medical emergencies abroad, and my son tragically passed away on XX/XX/XXXX. As a result, I had to travel out of the country to manage his care and funeral arrangements. 

While I was away, I made multiple attempts to contact your customer service team to inquire about the status of my account. Each time, I was assured that my circumstances were understood and that my account would be placed on autopay. I agreed to this arrangement. Despite these assurances, I later found that a derogatory mark had been placed on my credit report for the payments in question. 

I spoke with representatives XXXX, XXXX, and XXXX, one of the managers, who confirmed that XXXX, XXXX, and XX/XX/XXXX were the months during which my payments were missed. However, I was never contacted about any outstanding payments, and I was unaware that autopay had not been activated as I had requested in XX/XX/XXXX. I was in a difficult situation abroad, grieving the loss of my son, and it wasnt until later that I learned autopay wasnt initiated until XX/XX/XXXX. 

I have been a loyal XXXX XXXX cardholder since XXXX, and this situation is both distressing and unwarranted. Therefore, I respectfully request that XXXX XXXX  and the credit reporting agenciesXXXX XXXX XXXX XXXXremove this inaccurate and harmful information from my credit report immediately. The current reporting is unjustly impacting my XXXX XXXX and my ability to make necessary purchases. 

Attached, you will find a letter from the XXXX XXXX verifying the personal loss I experienced. 

Thank you for your attention to this matter. I appreciate your prompt assistance in rectifying this error. 

Sincerely, Consumer

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 2025-06-16 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:
Please remove the following items from my credit report : - ADDRESSES : - XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX INQUIRIES : - XXXX XXXX XXXX XXXX XXXX  JUST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : - XXXX  XXXX LATE PAYMENTS : - XXXX  XXXX XXXX I had not checked my credit report in a long time. I went to the bank and was informed of these items. I don't know who could have done this. This is identity theft and a nightmare.

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 2025-06-16 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:
Please remove the following items from my credit report : - ADDRESSES : - XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX INQUIRIES : - XXXX XXXX XXXX XXXX XXXX  JUST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : - XXXX  XXXX LATE PAYMENTS : - XXXX  XXXX XXXX I had not checked my credit report in a long time. I went to the bank and was informed of these items. I don't know who could have done this. This is identity theft and a nightmare.

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 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: KS

Complaint narrative:
I have a letter from The creditor stating this could not be verified and would not be reported to any credit bureau and I want it removed from all three itdaged my credit

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 2025-06-16 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: KS

Complaint narrative:
I have a letter from The creditor stating this could not be verified and would not be reported to any credit bureau and I want it removed from all three itdaged my credit

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 2025-06-16 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: KS

Complaint narrative:
I have a letter from The creditor stating this could not be verified and would not be reported to any credit bureau and I want it removed from all three itdaged my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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:
I did not authorize : DEPT OF EDXXXX XX/XX/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 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 explanation
Consumer complaint received 2025-06-16 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: Experian Information Solutions Inc.
State: FL

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
What happened : In XXXX, I purchased a multi-airline international ticket through Chase XXXX using my Chase credit card. The itinerary included two separate carriers : XXXX  XXXX and XXXX XXXX. 

In XXXX, I received a notification that XXXX XXXX had changed the flight schedule, which caused a conflict resulting in a missed connection with the XXXX  XXXX flight. On the Chase XXXX website, it stated that this change qualified the itinerary for free cancellation, and I was prompted to cancel the flight online. However, the online cancellation form consistently showed errors and would not allow me to complete the process. 

That same month, my fiancon a matching itinerarywas able to cancel his flight through Chase XXXX without penalty by speaking to a representative. I called immediately after and was told by a representative that my reservation had also been cancelled without penalty. Based on this, I booked a replacement flight directly through XXXX XXXX. 

When I did not see a refund on my Chase credit card, I followed up in XXXX. I was told the cancellation had not been completed and that Chase would contact the airlines directly to process it. I continued to follow up in XXXX, XXXX, and XXXX. At one point, Chase XXXX indicated they were sending emails to the airlines, but there was no resolution, and I received multiple voicemails promising updates within 24 hoursnone of which resulted in action. 

In a later call, Chase told me I could cancel the ticket but only with a {$200.00} fee, even though the missed connection was the result of airline schedule changes, and their own policy indicated that this should qualify for free cancellation. 

This has caused financial and emotional stress, and a lack of consistency in Chase XXXX  enforcement of their own policies. My fianc was granted a free cancellation under the same circumstances and timeline. I have followed all required steps, yet Chase has failed to uphold their advertised cancellation terms or process a refund.

Company response to consumer: Closed with 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: EQUIFAX, INC.
State: NH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. I am filing this FTC Identity Theft Affidavit to report fourteen fraudulent account ( s ) appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of credit cards opened at XXXX onXXXX under account6XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  onXXXX under accountXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX onXXXX  under accountXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX onXXXX under account5XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and an auto lease opened at XXXX onXXXX under accountXXXX XXXX XXXX XXXX XXXX XXXX an auto loan opened at XXXX onXXXX  under accountXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX an unsecured loan opened at XXXX  onXXXX under accounXXXX XXXX XXXX XXXX  ; and collection accounts opened at XXXX onXXXX under accountXXXX XXXX XXXX XXXX XXXX XXXX, XXXX onXXXX under accountXXXX XXXX XXXX XXXX XXXX XXXX onXXXX under accountXXXX XXXX XXXX XXXX onXXXX under accountXXXX XXXX XXXX XXXX XXXX  onXXXX under accounXXXX XXXX XXXX XXXX onXXXX under accountXXXX XXXX XXXX, and XXXX onXXXX under accountXXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, XXXX, XXXX, XXXX and XXXX 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: NV

Complaint narrative:
XXXX XXXX XXXX is reporting a debt balance that continues to increase without explanation. The original debt showing on my credit file was {$6900.00} but is now reported as {$7500.00}. I have no knowledge of this account and I have not been given any proof of the increase, nor any proper documentation of the debt. This is misleading, possibly fraudulent, and in violation of FDCPA. I am requesting full investigation and deletion of this inaccurate reporting from my credit file.

I noticed the increase ( s ) on my credit monitoring system and app powered by XXXX

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently review a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-06-16 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-16 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: GA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I received multiple attempts to withdraw large amounts of money from my cashapp. Unfortunately, one went through on the 3rd after pending for XXXX hours. I filed disputes on the XXXX, XXXX and XXXX, all denied within XXXX hours. After repeatedly communicating that I did not authorize these charges, cashapp has refused to reimburse me the money. On the fourth attempt at disputing a customer service rep reached out to me to tell me this was an authorized transaction, ( not by myself ) and that there was nothing that could be done. It was suggested that I reach out to the company that scammed me in the first place.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore Equifax 's actions my also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB that action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$570.00}. XXXX XXXX XXXX XXXX XXXX {$1100.00}. XXXX XXXX XXXX XXXX XXXX {$130.00}. XXXX XXXX XXXX {$3400.00}

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 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore Equifax 's actions my also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB that action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$570.00}. XXXX XXXX XXXX XXXX XXXX {$1100.00}. XXXX XXXX XXXX XXXX XXXX {$130.00}. XXXX XXXX XXXX {$3400.00}

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 2025-06-16 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: GA

Complaint narrative:
CFPB Complaint Summary XXXX. What happened? 
I submitted multiple disputes to XXXX Experian / Equifax XXXX TransUnion regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply.

Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within 4 business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency appears to have relied on automated systems ( such as e-OSCAR ) without properly reviewing the documentation I submitted. I continue to receive alerts regarding unauthorized changes of address and dark web exposures of my personal data, which further supports
the urgency of my case.

2. What do you believe is the issue?

Credit reporting company failed to investigate a dispute Continued reporting of information that was not verified Failure to block fraudulent information after identity theft report Failure to update personal information ( address, name, etc. ) Did not provide requested Method of Verification Did not respond in a timely or complete manner

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