vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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, 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
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding the unacceptable treatment I have received from Wells Fargo in relation to a recent incident of identity theft and the institutions failure to properly support me during this process. 

Despite reporting an unauthorized transaction linked to my account and providing supporting documentation, including communication with the merchant ( XXXX ) who confirmed they have no record of a transaction with my card Wells Fargo has failed to initiate a proper dispute process or offer adequate support. Instead, I have been met with dismissive behavior, inconsistent responses, and what I believe to be discriminatory treatment. 

I have made multiple attempts to resolve this issue through customer service and the fraud department, yet I have been denied the basic protections afforded to me under both federal law and Wells Fargos own fraud policies. 

The handling of this situation suggests a disregard not only for your responsibilities under the * * Fair Credit Billing Act * * and * * Electronic Fund Transfer Act * *, but also raises concerns of possible * * discriminatory treatment * *, as I believe I have not been treated equally or fairly compared to other customers in similar situations. 

This experience has left me feeling vulnerable, unprotected, and extremely frustrated. As a long-time customer, I expect my bank to act with professionalism, integrity, and urgency especially in matters as serious as identity theft. 

I am demanding the following : XXXX. A full and immediate investigation into the disputed transaction ( XXXX ). 
XXXX. Written confirmation that my claim has been received and is being handled appropriately. 
XXXX. An explanation as to why my previous requests for assistance were ignored. 
XXXX. A review of whether discriminatory practices have impacted the handling of my case. 

If I do not receive a satisfactory response within XXXX business days, I will be forced to escalate this matter further by : - Contacting the * * Office of the Comptroller of the Currency ( OCC ) * * - Seeking legal counsel for possible violations of federal consumer protection laws Please consider this my formal complaint and request for resolution. I am attaching any supporting documents relevant to this case, including my identity theft report and merchant communication. 

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 monetary relief
Consumer complaint received 2025-09-30 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:
I am a victim of identity theft. Accounts and hard inquiries were placed on my credit reports without my knowledge or consent. I did not authorize these applications or accounts, and I have no relationship with the companies involved. 

On reviewing my credit reports, I discovered multiple fraudulent accounts and inquiries reporting against me. I contacted the companies and requested proof of authorization, signed applications, or contracts verifying that I had opened these accounts. They failed to provide the requested documentation or remove the fraudulent information. 

These accounts and inquiries are inaccurate, unverifiable, and the result of fraud. They are negatively impacting my credit, causing financial and personal harm. I am requesting immediate investigation, removal, and permanent blocking of all fraudulent accounts and inquiries from my credit reports in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-09-30 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:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-09-30 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: TX

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JPMorgan Chase has erroneously withheld my father 's final Social Security payment after his death, is aware of the error, and refuses to resolve the matter. This has been ongoing for XXXX months and we have spoken to a dozen different JPMorgan Chase employees with no change to the matter. JPMorgan Chase has notified us that it is their internal procedure to hold all Social Security payments made after a customer 's passing. 

The issue is that my father passed away on the XXXX of the month, his Social Security payment was made on the XXXX of that month ( for the previous month, of course ), and they placed an internal hold on those funds. The XXXX payment was correctly stopped and sent back, but they continue to hold the XXXX funds. They have requested a form from the Social Security Administration who have notified us XXXX different times that the form JPMorgan Chase is demanding doesn't exist with the information the bank requires. 

I suspect, based on knowledge that JPMorgan Chase has XXXX XXXX customers, 97 % of older adults receive Social Security Benefits, and 50 % of final Social Security payments are made after a client 's passing, that there are likely tens or hundreds of thousands of customers that JP Morgan Chase illegally holds Social Security funds for based on a purposefully erroneous internal rule that allows them to hold those funds for up to XXXX  months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: VA

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
My loan is with XXXX XXXX/United Wholesale Mortgage XXXX I lost my job in XXXX of XXXX. I communicated with them at the end of that month and the following months about my situation and requested options to keep my house. All attempts resulted in denials for forbearance, deferral, or loan modification. I was only approved for a short sale or deed-in-lieu. I continuously expressed my interest in keeping my house. At this point, I was back at work, so the issue that had led to my being behind on my payments was resolved. I eventually employed a third party to negotiate on my behalf with UWM, which was when I was finally approved for a Modification trial ( XX/XX/XXXX ). The terms required me to make three trial payments : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The payments were more than my original payments, but I made all three. During the XXXX timeframe, UWM underwent a change within its company, which resulted in the transfer of all loans from one division to another. This transition led to no communication with me about my modification. I attempted to contact them multiple times over a two-month period but was unable to get through on the phone. During this time, I did not receive any contact or correspondence from them, aside from an automated call informing me that my payments were due. When I finally got in contact with them, I was told that my modification, which I started before, was denied, but they could not provide a reason. I was instructed at the time that I would have to begin the loss mitigation process again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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 disputed an account with XXXX XXXX XXXX through Experian on XX/XX/year>. Experian responded that the account was verified, but I was not provided with any documentation to support the verification. Under the Fair Credit Reporting Act, disputed accounts must be verified with accurate documentation. I have not received proof of ownership ( chain of title ), the original date of first delinquency, or an itemized accounting of the balance being reported. Without proper verification, this account should not remain on my credit file.

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 2025-09-30 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: MD

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : BANKRUPTCY - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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
Consumer complaint received 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am disputing a {$710.00} charge ( Trip # XXXX ) on my Capital One XXXX XXXX card for a XXXX hotel booking. 

The hotel ( XXXX XXXX  XXXX XXXX ) confirmed in writing that my reservation was canceled without penalty and that no funds were owed. I also have screenshots from XXXX system showing that the booking was canceled. Capital One specifically requested cancellation confirmation from XXXX, and I have provided both the hotels confirmation and XXXX acknowledgement. 

Despite this, XXXX has not issued the refund, and Capital One has not resolved the dispute in my favor. I have repeatedly followed up and submitted the required documentation, but my account has still not been credited. 

I am requesting that Capital One accept this cancellation proof and refund the {$710.00} charge as required under the Fair Credit Billing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: CA

Complaint narrative:
This is a demand for correction/deletion of inaccurate and unverifiable items on my Experian file. 
Accounts in Dispute 1. XXXX XXXX Acct # XXXX Quote : Legally paid in full for less than the full balance. 
Defects : Settlement coding is negative ; account not reported on XXXX/XXXX, creating misleading one-sided furnishing. 
Law : FCRA 607 ( b ) ; 623 ( a ) ( 1 ) ( A ). 
Metro 2 : Account Status, Payment Rating. 
2. XXXX XXXX XXXX Acct # XXXX ( XXXX  ) Quote : Balance {$1100.00} | Status : Seriously past due/ assigned to collection. 
Defects : Inconsistent coding versus XXXX. Duplicate dispute remark not corrected. 
Law : FCRA 607 ( b ) ; 623 ( a ) ( 2 ). 
3. Insurance Self-Reported ( XXXX XXXX XXXX XXXX XXXX XXXX Quote : Installment account, Balance {$0.00}, High Credit $ XXXX {$35.00}. 
Defects : Insurance premiums mis-coded as credit accounts. Not true loans. 
Law : FCRA 607 ( b ). 
Metro 2 : Portfolio Type ; Account Type. 
4. XXXX ( Authorized User Revolving ) Acct # XXXX Quote : Balance : {$49.00} | High Credit : {$5300.00} | Limit : {$30000.00}. 
Defects : Duplicate XXXX account, inflates utilization. 
Law : 607 ( b ) ; Metro 2 Account Type, High 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 2025-09-30 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: NY

Complaint narrative:
I am filing this complaint against Experian regarding an unauthorized tradeline : XXXX XXXX XXXX XXXX XXXX, account ending in XXXX. This account does not belong to me, I never authorized it, and I do not recognize it. 

Experian is violating 15 U.S.C. 1681e ( b ) by reporting inaccurate information and 1681i ( a ) by failing to conduct a reasonable reinvestigation. In XXXX v. Experian ( XXXX  Cir. XXXX ) and XXXX v. Experian ( XXXX Cir. XXXX ), courts confirmed Experians liability for reporting accounts not belonging to the consumer and for failing to correct inaccuracies. The CFPB also sued Experian in XXXX for sham dispute investigations.

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 2025-09-30 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: TX

Complaint narrative:
I am a victim of identity theft and would like all accounts associated 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 2025-09-30 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:
I am a victim of identity theft and would like all accounts associated 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 non-monetary relief
Consumer complaint received 2025-09-30 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 victim of identity theft and would like all accounts associated removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP
State: WA

Complaint narrative:
For a few years Linebarger Goggan Blair & Sampson LLP have been sending me a letter saying that my license is going to be suspended unless I pay court fines. I have actually given them money a timer too, but the person I called to give money to on the phone was so belligerently rude to me. I looked it up online and everybody says its a scam and not engage with them at all. 
The employees are incredibly argumentative and very aggressive on the phone every time. I told them before to quit harassing me and the letter stopped for about a year and theyre back again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: FL

Complaint narrative:
I have reviewed my credit report and found these unverified items. Please remove or block these items

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 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Pursuant to Section 605 ( b ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ).

I am exercising my right to request the blocking and deletion of information that is the result of alleged identity theft, fraud, or inaccurate reporting. 
The following item ( s ) must be investigated and removed : Creditor/Bank Name : Bank Of XXXX Account/Reference Number XXXX XXXX Reported Date/Details : SUSPECTED FRAUD ACTIVITY

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