vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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: TX

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: TX

Complaint narrative:
I recently checked ny credit report and noticed some accounts that i dont recognize and didnt authorize to be reported so believe them to be fraudulent. Please delete all fraudulent accounts i have listed in the identity theft report according to the FCRA 605B ( 15 U.S.C. 1681c-2 ), I have enclosed the following documents, ID, SSN, IDENTITY THEFT REPORT, FCRA 605B. I appreciate your immediate response to my issue, Sincerely 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 2025-05-08 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:
These negative accounts all incorrect. Ive also received emails from the 3 bureaus saying Im using 3rd party which is wrong Im sending and filing complaints on my own no one help me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

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The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a XXXX XXXXXXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: GA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late payments. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately.

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 2025-05-08 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: MI

Complaint narrative:
I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late payments. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately.

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 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
On XX/XX/year>, at XXXX hours, I contacted Concord Credit regarding a {$120.00} service fee that was charged to my Milestone credit card. I was informed that this fee was an annual maintenance fee. However, I was unaware of any such fee when I opened the account, and I believe this charge is unjustified. 

I requested a reversal of the fee, but my request was denied. I am now formally requesting that this matter be investigated. In my understanding, credit cards do not require maintenance in a way that justifies such a charge, and this fee appears to be misleading or deceptive. 

Additionally, this unexpected fee has caused my cards balance to exceed 30 % of the credit limit, which will likely be reported to the credit bureaus and negatively impact my credit score. This result is especially concerning given that I have been actively managing my credit responsibly. 

Please investigate this charge and consider a fee reversal. I would also appreciate confirmation that no further such charges will be applied without clear, prior notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: SECURITY SERVICE FEDERAL CREDIT UNION
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: TX

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2025-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital Systems is inaccurately reporting a collection account for an XXXXXXXX XXXX XXXX that I have no knowledge of, did not apply for, and never authorized. I have not received any signed credit agreement or legally binding documentation proving I opened this account or that I am contractually responsible for the alleged debt.

Under 15 U.S. Code 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), a debt collector and furnisher must not continue reporting a debt without first conducting a reasonable investigation and furnishing verifiable evidence of the debts validity. Mere internal records, billing statements, or system-generated data are not sufficient. A credit card accountby its naturerequires a signed consumer agreement. Jefferson Capital has failed to produce any such legally required documentation.

The continued furnishing of this unvalidated tradeline constitutes willful noncompliance with federal law, damages my creditworthiness, and may be subject to enforcement action or private right of action under 15 U.S. Code 1681n and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

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 2025-05-08 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: IN

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I never authorized their opening. Please rectify this error immediately.

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 2025-05-08 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: Army and Air Force Exchange Service
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: SC

Complaint narrative:
I'm writing to demand the immediate removal of an account that was fraudulently opened using my identity. I did not authorize this account in any way, and its presence on my credit report is both inaccurate and damaging.

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 2025-05-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Self Financial Inc.
State: CA

Complaint narrative:
On XX/XX/year> I discovered a credit line on my XXXX  account from SELF FINANCIAL/LEAD BA that was opened XX/XX/year> in the amount of {$510.00} for a Secured loan. 
I submitted a dispute with XXXX on XX/XX/year> as I did not apply for this loan and never approved this loan. 
On XX/XX/year>, XXXX identified the loan as verified and updated, suggesting the information is accurate. 
On XX/XX/year> another dispute has been submitted with XXXX to claim this transaction as fraudulent. XXXX  advised submitting this complaint after failing to get in contact with the SELF FINANCIAL/LEAD BA as their automated responses do not lead to an actual representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
On XX/XX/year>, I used the Western Union mobile app to send USD XXXX, including commission, to a recipient in XXXX ( XXXX  : XXXX ). The recipient, XXXX XXXX XXXX, never received the funds. On XX/XX/year>, I noticed the issue and began contacting Western Union. I have contacted them over XXXX times via phone and email since then. 

Western Union has provided contradictory explanations, including that the funds were deposited to the recipients bank account, that there was a system error, and even that someone picked up the money in person. Eventually, they provided a " Payment Confirmation Letter '' ( dated XX/XX/year> ), which I reviewed carefully. 

That letter reveals that the money was deposited to account number XXXX at XXXX XXXX XXXX XXXX an account I did not provide, instead of XXXX. The account number they used is not the one I entered when submitting the transfer. Despite this, Western Union continues to claim I made the error and refuses to issue a refund or initiate a correction. 

They also told me to " contact the recipient bank '' directly, which is unreasonable, as I am not their customer and have no access to that institution. 

Western Union sent the funds to the wrong account, is denying responsibility, and refuses to refund my money. I am requesting that they issue a full refund of {$600.00} USD for their failure to deliver the funds as instructed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: NY

Complaint narrative:
I would like these account to be remove so my credit report can update accurately ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Information reporting on my credit is inaccurate I am writing to have the following information remove from my credit report. the item that i need deleted are going to be attached in the word document. I am a victim of identity theft. I have multiple accounts and inquiries that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report can show accurate information. i reported the theft of my identify to the federal Trade Commission and enclosed a copy of the report. I would like these items deleted from my report as soon as possible. Please block this information from my credit report, pursuant to section 605b 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 non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: MI

Complaint narrative:
I'm currently on XXXX XXXX leave from XX/XX/XXXX and as per my employer 's Hr policy the benefits during this time is provided by XXXX. ( XXXX  ). Here is the series of actions from then - 1. Provided my direct deposit information ( XXXX XXXX details ) to which XXXX should be processing my payments on XX/XX/XXXX over the phone verbally. 
2. On XXXX XXXX XXXX initiated a payment of {$460.00} and I did not recieve this payment to my XXXX  account. I reported that I did not recieve this payment on XXXX XXXX and XXXX XXXX and XXXX. They needed time to investigate. 
3. On XXXX XXXX XXXX XXXX payment was initiated for {$1000.00} and I did not receive this payment to my direct deposit XXXX  account. 
4. I reported that the XXXX payment also was not received and requested both the payments be mailed as checks to my mailing address on XXXX XXXX requested XXXX to verify the direct deposit information. They said they had different account details and not the one I provided on XX/XX/XXXX so they corrected this as per my request and so from the XXXX payment onwards I received the payments correctly. 
5. I had been ever since following up XXXX times a week to request XXXX to mail me benefits payment as I have never received them. 
6. After almost a month 's time of investigation XXXX provided a letter on XX/XX/XXXX stating that they can not reissue the amount as the XXXX payments were updated by the user. They also mentioned that there could have been a online fraud activity on the account and suggested password change which I did promptly update. XXXX states that since the direct deposit information was updated at user 's end that they can not re-issue check or pay me. 
7. In the letter XXXX provided there is bank account and routing details which I started investigating from my end, took it to my bank and was told that the routing number belonged to bank named Chime Bank. I never heard of this bank prior to XX/XX/XXXX and also do not have any account with it. None of my family also is aware of or has account. 
8. XXXX mentioned that they tried reversing both the payment transactions with account # and routine # provided in the XXXX letter and the attempt was unsuccessful. 

Chime Bank therefore needs to reverse the transactions as that money legally does NOT and should NOT belong to the account details mentioned in the XXXX 's letter so that XXXX receives the amount back and I'm paid fairly by XXXX for the benefits that I'm legally eligible to be paid for. Please report this fradulant activity on Chime Bank 's account provided in the XXXX 's letter and ensure that the payment reversal from bank side is done.

Company response to consumer: Closed with explanation