vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint 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.

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 2025-03-11 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: TN

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-03-11 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-11 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-11 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: MI

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I noticed a deposit of {$2500.00} from Illinois XXXX XXXX in my Chase Bank account. As I had no knowledge of this deposit or its origin, I immediately contacted Chase Bank. The representative informed me that a specialist team would handle the issue urgently. 

The next day, on XX/XX/XXXX, I checked my account and saw that the funds were still there. I called Chase Banks phone services again and reiterated that I wanted the funds returned to the sender due to my lack of knowledge about the deposit. 

On XX/XX/XXXX, at XXXX XXXX  and XXXX XXXX, I was contacted by XXXX XXXX, a supervisor at XXXX XXXX. He asked if I had received {$2500.00} in my account, to which I confirmed. He then instructed me to send {$2000.00} via money order. Recognizing this as a scam, I refused to comply, as I did not want to engage in any fraudulent or illegal activity. Following this, I contacted Chase Bank again and requested that they remove the funds from my account. 

Shortly after, I attempted to log into my Chase account online and discovered that my access had been revoked. I contacted Chase Bank multiple times ( at least 5-8 times ) regarding my account closure. I was informed that I was no longer a Chase member. On XXXX XXXX XXXX, I visited a Chase branch in person, where I was told that my account would be closed and that my remaining funds would be mailed to me within 10 business days. However, a few days later, I was informed that I would not receive my funds until the dispute was resolved. 

As a result of this dispute, I faced significant financial hardship, as I was unable to access my savings to pay my credit card bills. Despite this, I have yet to recover my funds from before this dispute began. 

The report suggests that I was suspected of fraudulent activity. However, I was the victim of a scam, not the perpetrator. I am a victim of identity theft and do not recognize one or more transactions related to Unemployment Insurance fraud from different states. 

As of XX/XX/XXXX, I have still not received my savings funds. I have visited a Chase branch in person and was told there is nothing they can do. Despite holding Chase credit cards, I have received no updates regarding my account or my withheld funds. I am seeking to recover my rightful savings prior to this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
After researching and trying to figure out why do navy federal keep trying to collect debt from me or send a debt collector called XXXX to collect from me with improper use of my information. I called Navy Fed multiple times letting them know that a account was open in my name fraudulent. I tried disputing with the credit Brea, but they sent a letter back with all the wrong information that was given to me. The email address and the mailing address along with the phone number is not mines. I asked that this account be disputed because I now learned that it was open with identity theft. I don't know what's going on I spoke to someone at Navy Fed and was told i have Mutiple accounts opened with them. I been a victim of theft which is on my credit report. Someone got hold of my information in the data breach with XXXX and order credit cards cell phones and etc. I think this account was a part of that. I ask that Navy Federal deleted this fraudulent account off my report as I clean my report of 10 accounts of identity theft. This put me in a very stressful spot and I'm trying not to pay more money for a lawyer because this is affecting my life. Please get this account off my credit report I did not authorize this or sign anything stating I wanted to open an account with Nay Federal credit Union. Please be aware none of these debts are mines and I ask to get a deletion off my credit report before I bring my lawyer arbored showing proof that wasn't me and that's not my personal information. Thank you and expedite this request I been dealing with this account for too long you will pay for my time if i sue and take you to court. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: PNC Bank N.A.
State: UT

Complaint narrative:
PNC hired someone to come to my door and hand me an envelope. He was rude when I asked him to leave it by the door. When I opened the envelope it contained some pages for me and some for someone else at another address. I am deeply concerned about who might also have my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: WA

Complaint narrative:
Hello Sir/ Madam, I have a car loan with XXXX XXXX XXXX XXXX . In XXXX, I noticed that my credit report showed me as negative 30 to 60 days past due by XXXX. 

I was auto-enrolled with a monthly payment of {$390.00}, for which I have listed my XXXX XXXX checking account. There is a direct deposit of {$500.00} in my account every month. I only use my XXXX XXXX account for my car payment, which is payable to XXXX XXXX XXXX XXXX. In the month of XXXX, XXXX forced XXXX insurance on my account which I was not even aware of, and they were trying to take {$1000.00} out of my account as a monthly payment in the month of XXXX, XXXX, XX/XX/XXXX. 

When I cross-checked my XXXX XXXX account in XXXX ; there was no lapse in the deposit of {$500.00} every month, the money was still sitting in the account. When XXXX XXXX did the investigation, they informed me that instead of deducting {$390.00} from my account, XXXX was trying to deduct {$1000.00} from my account every month without my permission and authorization. XXXX was unable to deduct {$1000.00} from my account every month ; there could be a possibility that XXXX XXXX restricted the {$1000.00} payments that XXXX was trying to deduct without authorization. When I opened up my XXXX XXXX account, I specifically told the bank the reason which is for auto payment of {$390.00}, and the account will not be used for any other purpose. Maybe that is the reason when XXXX tried to deduct {$1000.00} out of my account every month without my authorization, XXXX XXXX restricted the payments. 

I have never been late on my payment since I purchased the car. 

When I called and checked with XXXX about the reason for reporting late payments, they told me they were trying to deduct {$1000.00} per month, as they have forced a XXXX insurance because for some reason, they thought I did not have insurance. 

I have to send consistent emails and involve my insurance provider regarding this matter. XXXX verified that I always had full coverage on my vehicle since I purchased it. 

When my Insurance provider sends them all the binders and proof of full coverage from the time in question Policy Number XXXX for policy dates XX/XX/XXXX - XX/XX/XXXX & XX/XX/XXXX - XX/XX/XXXX. 

XXXX finally removed the XXXX  insurance and adjusted my payment to {$390.00}. 

When I requested XXXX to remove negative reporting from all three credit bureaus because it was their fault, XXXX refused. 

Please help me remove adverse reporting from all XXXX credit buereos. 

Vehicle Year : XXXX Make : XXXX XXXX Model : XXXX XXXX  : XXXX I am attaching my policy which clearly states that I had full insurance throughout the year XXXX and till XX/XX/XXXX and a screenshot of email which was send from XXXX to XXXX. 

Regards, XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-03-11 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: MO

Complaint narrative:
Transunion Experian and Equifax are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXXXXXX XXXX XXXXXXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has reasonable cause to believe that the data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXX XXXX XXXX are inaccurate and must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a XXXX 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 will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXXB 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 explanation
Consumer complaint received 2025-03-11 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a XXXX 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 will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXXB 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 explanation
Consumer complaint received 2025-03-11 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: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
I have 30 day passed due remarks on my credit report. I have never made a payment past 30 days i have contacted the leasing company over 10 times and noone has looked through my account and rectified the issue. 
Customer service is terrible and noone puts notes in the system. Everytime i call i have to explain myself because noone knows whats going on. Leasing with this company has been a complete nightmare. Also when i ask to speak with a supervisor im always told they are busy and will return my call and I never receive a call back!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: CA

Complaint narrative:
I recently received a copy of my credit report. The credit report showed credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put inquiries on my credit file unless I have authorized it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-11 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: TX

Complaint narrative:
I am writing to formally address the ongoing issue regarding Incorrect personal information on my credit report. Despite multiple attempts to dispute these fraudulent information with Equifax, my requests have been disregarded. 



These addresses and information was placed on my credit report from accounts that was fraudulently placed on to my consumer report. 
Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, TX, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: FL

Complaint narrative:
Square or cash app did not have the proper customer service representatives on call to handle my disputes so they close my account with money in it that I've still not been able to get back from this day they will not answer me on why they will not give me a chance to open another account I really need my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a 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 explanation