vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 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: IL

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this 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 explanation
Consumer complaint received 2025-08-27 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: MS

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: Experian Information Solutions Inc.
State: MD

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 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 2025-08-27 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: MO

Complaint narrative:
To Whom It May Concern, This escalation concerns the continued reporting of unauthorized and unverifiable credit inquiries. Despite multiple disputes and CFPB filings, these inquiries remain without any documentary evidence of my authorization. 

Unauthorized Inquiries Still Reporting : XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXXXXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX BANK XX/XX/year> 1. No Permissible Purpose FCRA 1681b Under federal law, no entity may access my credit file without a documented permissible purpose. To date, no CRA or furnisher has produced a signed application, contract, or verifiable authorization for these inquiries. Continued reporting of these items is unlawful.

2. Failure to Reinvestigate FCRA 611 The CRAs responses were inadequate : Equifax deleted some inquiries while leaving others, providing no documentation.

Experian stated inquiries must remain for two years, without proof of authorization.

TransUnion directed me to contact creditors myself, which is a direct abdication of their duty.

None of these responses satisfy the statutory duty to perform a reasonable reinvestigation.

3. Breach-Compromised Data My personal identifiers are confirmed as compromised in both the Equifax Data Breach Settlement and the XXXX XXXX Data Breach . These breaches undermine the reliability of all verification claims, as unauthorized third parties could have accessed my information to initiate these inquiries. Continuing to report them violates FCRA 1681e ( b ) ( duty of maximum possible accuracy ).

4. Metro 2 Compliance Failures Inquiries not properly marked as in dispute across all CRAs.

Selective treatment of inquiries across different bureaus, proving inconsistency and reckless reporting.

Failure to synchronize dispute notations as required under Metro 2 reporting standards.

5. Willful Noncompliance and Harm Maintaining these unverifiable inquiries after repeated notice constitutes willful noncompliance under FCRA 1681n and negligent noncompliance under 1681o. These inquiries have caused financial harm, diminished creditworthiness, and exposed me to ongoing fraud risk.

Demand for Relief Permanent deletion of all unauthorized inquiries listed above.

Written confirmation of deletions and updated reports from all CRAs.

Full disclosure of investigation methods, documents reviewed, and furnishers contacted. 

Final Notice If these inquiries remain without verifiable proof of authorization, I will escalate to the Federal Trade Commission, State Attorney General, and pursue civil damages for statutory, actual, and punitive relief. 

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 2025-08-27 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: MO

Complaint narrative:
To Whom It May Concern, This escalation concerns the continued reporting of unauthorized and unverifiable credit inquiries. Despite multiple disputes and CFPB filings, these inquiries remain without any documentary evidence of my authorization. 

Unauthorized Inquiries Still Reporting : XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXXXXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX BANK XX/XX/year> 1. No Permissible Purpose FCRA 1681b Under federal law, no entity may access my credit file without a documented permissible purpose. To date, no CRA or furnisher has produced a signed application, contract, or verifiable authorization for these inquiries. Continued reporting of these items is unlawful.

2. Failure to Reinvestigate FCRA 611 The CRAs responses were inadequate : Equifax deleted some inquiries while leaving others, providing no documentation.

Experian stated inquiries must remain for two years, without proof of authorization.

TransUnion directed me to contact creditors myself, which is a direct abdication of their duty.

None of these responses satisfy the statutory duty to perform a reasonable reinvestigation.

3. Breach-Compromised Data My personal identifiers are confirmed as compromised in both the Equifax Data Breach Settlement and the XXXX XXXX Data Breach . These breaches undermine the reliability of all verification claims, as unauthorized third parties could have accessed my information to initiate these inquiries. Continuing to report them violates FCRA 1681e ( b ) ( duty of maximum possible accuracy ).

4. Metro 2 Compliance Failures Inquiries not properly marked as in dispute across all CRAs.

Selective treatment of inquiries across different bureaus, proving inconsistency and reckless reporting.

Failure to synchronize dispute notations as required under Metro 2 reporting standards.

5. Willful Noncompliance and Harm Maintaining these unverifiable inquiries after repeated notice constitutes willful noncompliance under FCRA 1681n and negligent noncompliance under 1681o. These inquiries have caused financial harm, diminished creditworthiness, and exposed me to ongoing fraud risk.

Demand for Relief Permanent deletion of all unauthorized inquiries listed above.

Written confirmation of deletions and updated reports from all CRAs.

Full disclosure of investigation methods, documents reviewed, and furnishers contacted. 

Final Notice If these inquiries remain without verifiable proof of authorization, I will escalate to the Federal Trade Commission, State Attorney General, and pursue civil damages for statutory, actual, and punitive relief. 

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 2025-08-27 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: FL

Complaint narrative:
This is a notice to the big XXXX and the CFPB that I am going with XXXX XXXX as my attorney. He won the largest single plaintiff case versus a credit reporting agency. 

In my case, we will be suing all XXXX agencies and you, CFPB. CFPB, you are culpable becuase you have done NOTHING FOR MONTHS. ALL YOU HAD TO DO WAS DEMAND THE BIG THREE FOLLOW THE LAW ONE TIME. YOU DID NOTHING. 

This will go out to all four of you. You are free to contact XXXX XXXX and make settlement offers. We are confident my case will make XXXX XXXX 's look like allowance money. I have XXXX XXXX XXXX attached since I have serious doubts that ANY of you are competent enough to conduct a simple internet search.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
The claims are from transactions spanning XXXX, for roughly XXXX XXXX 

Chase refuses to communicate with me on the claim as I submit the evidence required, but XXXX is submitting evidence that logically doesn't align and Chase isn't taking my evidence into true condsideration. 

XXXX even provided a refund, then pulled the refund back Chase also approved 4 of the transactions from my claim in my favor, but not the rest even though this is a holistic issue with XXXX stealing my account. Which any evidence they support claiming they have login details is not accurate and manipulative. 

XXXX directly referred me to file under quality and not " delivery '' of the transactions which Chase refuses to acknowledge. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX. Unauthorized Account Access & Theft After I purchased services, XXXX logged back into my account without permission. 

They changed the account email and password, locking me out. 

They then used my account for illegal in-game activities, which resulted in my account being permanently banned. 

XXXX. XXXX XXXX XXXX provided the boosting services initially ( leveling/power-up ). 

But once the service was finished, instead of returning full access, they seized the account. 

Their actions went beyond the original service agreement and constituted theft of digital property. 

XXXX. Contradictions with Refund / Guarantee Policy XXXX advertises a Money Back Guarantee on their website. 

Despite this, when I requested a refund after the account theft and ban, they refused to honor the policy. 

Their stated guarantee conflicts with their actual handling of my case they blamed me, rather than acknowledging their responsibility. 

XXXX. Evidence XXXX Compiled I have screenshots showing XXXX logging into my account after services ended. 

Screenshots also demonstrate that they changed the credentials and performed activities leading to the permanent ban. 

I prepared summaries and annotated evidence for Chase, showing this timeline and policy contradiction. 

XXXX. Ongoing Claim Issues I filed with Chase Bank for a chargeback/refund. 

Initially, Chase declined the claim after XXXX submitted their evidence. 

I then resubmitted with detailed proof, highlighting contradictions in XXXX own policies. 

I also referenced my FTC filing as part of establishing XXXX misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
I had been using cashnetusa for a little while had a few loans but always paid them off fast then this last time when i took out a loan i couldn't make a payment when into collections and Ive struggled to get anything towards it paid. the issue being that the amount of interest on this loan is 300 % and had doubled what i owe. this is theft at this point nothing about this is morally right or OK to do to someone who is borrowing because they are struggling. its like beating a dead horse. I am in the state of Louisiana. 


Account Open Date XX/XX/XXXX Minimum Payment Due Date XX/XX/XXXX Next Statement Close Date XX/XX/XXXX was paid up as of XX/XX/XXXX sent in for a Draw Request ACH {$1700.00} which was received and this is what my statement upon recieving it looked like Advances and Other Debits {$1700.00} Fees {$250.00} Interest {$150.00} Account Balance {$2000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in fees and interest just on getting the loan you can not sit here and tell me that they are not scammers who know how the system works and has been using this work around to target those who are unfortunate enough to borrow and rip them for everything they have!!! 

fyi three months later and the interest added another XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hello my name is XXXX XXXX XXXX. I'm filing a claim against Bank of America and XXXX department. 
On XX/XX/XXXX, someone made a fake claims that I tried to XXXX her. 
The claim number is XXXX I claimed back 4 days later after I Found out that there was XXXX $ hold on my account. 
As yesterday XX/XX/XXXX XXXX. Bank of America release the XXXX $ hold from my account and I called them today, I was informed that the claim was in my favor but I still don't have access to my XXXX XXXX despite the case was resolved in my favor and I asked them so if the case was resolved in my favor why I still don't have access to my XXXX and they told my that's on XXXX company. 
I called XXXX department and they told me it's up to Bank of America to lock and unlock my zelle. ( I already try to enroll XXXX with different emails and phone number but still doesn't work. ) I'm complaining them because they I didn't get any clear answers, reasons why my XXXX still been blocked despite I clearly explained that someone was making a fake claims to me.

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 2025-08-27 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:
My real-life financial conduct is different from what's shown here.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is actively closing all my complaints and stating potential fraud. This is incorrect. They claim to have gotten this information from the creditor. I do not believe this and I do believe Experian is doing this to keep from investigating my complaints. I am prepared to escalate the matter into litigation with Experian. It is better served that you comply with local state and federal law when it comes to credit reporting. You have 30 days to properly investigate my disputes.

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 2025-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Received a phone call from an XXXX ( XXXX ) XXXX claiming to be Chase. I recently opened an auto loan with them so seemed to be somewhat legit. I continued the call and told the girl that I recently applied for the Chase Sapphire card and was curious about the status. She then transferred m to card services and they attempted to find the status by inquiring about my SSN this is when I began to question the legitimacy especially when they said they showed no record and tried to transfer me to someone else and it diconnected me. I called the number back and it said chase but I'm extremely skeptical at this point. I'm concerend as to what to do since I gave them my social.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: VA

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 2025-08-27 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: OH

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$4500.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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