vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am a victim of bank fraud. Someone was withdrawing money from my savings account using ATM machines. The bank has denied my claims, not giving me an answer why. The total amount was {$7300.00}. The bank was Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: SC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX XXXX XXXX. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-10 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: DE

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

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 2025-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 information is inaccurate.

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 2025-04-10 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX Date : XX/XX/XXXX To Whom It May Concern, This letter is a formal demand for the immediate removal of inaccurate late payment entries being reported on my XXXX  XXXX account opened on XX/XX/XXXX. The information reflected in my credit file is factually incorrect. I have never missed a payment on this account, and the presence of these late paymentsespecially those over XXXX years oldis a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

You are legally obligated to report only accurate, complete, and verifiable information. These late payments are neither accurate nor verifiable, and they must be deleted from my credit report immediately. 

If this matter is not resolved within the required XXXX investigation period, I will take appropriate action by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ) , and the Office of the Attorney General.

Enclosed are copies of my identification and supporting documents. I demand written confirmation of the removal of these inaccurate entries, along with an updated copy of my credit report once your reinvestigation is complete. 

This is your opportunity to correct this reporting error without further escalation. I expect swift and professional resolution. 

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

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 2025-04-10 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: PA

Complaint narrative:
There are many accounts on my credit report that are not mine. I have repeatedly reported this to the credit bureaus, and they keep saying it's been verified but it can't possibly be verified since I did not open the accounts. None of the accounts have been paid and some collection accounts on there as well and they are not mine.

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 2025-04-10 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:
I am disputing several inaccurate items on my Experian credit report. These accounts are being reported as having late payments, but I have never been late on any of them. I contacted Experian and requested a correction, but they responded saying the information was verified. However, they did not provide any documentation or explanation of how the information was verified. 

I also found an unauthorized hard inquiry from XXXX XXXX dated XX/XX/year>, which I did not authorize and believe was done without a permissible purpose. 

Under the Fair Credit Reporting Act ( FCRA ), I requested a method of verification ( MOV ) from Experian, asking them to tell me who verified the disputed accounts and to provide the documentation used to confirm the accuracy. They have not provided this information within the timeframe required 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 2025-04-10 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: OH

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally request the removal of an account from my credit report as reported by TransUnion. This request is based on the recent deletion of the account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-off of {$9600.00} from XXXX XXXX XXXX XXXX Account XXXX : XXXX ) listed on my XXXX report. After a thorough investigation, XXXX has completely removed these unverifiable debts from my report as of XX/XX/year>. 
Under the Fair Credit Reporting Act ( FCRA ) ( XXXX XXXX. XXXX ), all consumer reporting agencies are required to ensure that the information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after determining it to be unverifiable, I respectfully request that you take similar action and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section XXXX ( XXXX XXXX. XXXX ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has removed this account, I urge you to take similar action. 


FCRA Section XXXX ( XXXX XXXX. XXXX ) mandates that information suppliers report only complete and accurate information. As XXXX has deemed this information unverifiable, I strongly encourage you to align your records accordingly. 


Please confirm the removal of this account within XXXX days of receiving this request. If the account is not removed, I will be prepared to pursue further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal recourse under the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX ( XXXX U.S.C. XXXX ) for willful non-compliance and Section XXXX ( XXXX XXXX. XXXX ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts the integrity of my credit report. Please notify me in writing once the deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: FIRST ADVANTAGE CORPORATION
State: NJ

Complaint narrative:
I submitted for a background check for XXXX. The background check is for XXXX yrs, the date parameters are from XXXX. A charge was reported that has a disposition date of XXXX. This is not the first time First Advantage has reported information outside of the date parameters. The year prior when I applied to the same employer the excuse was they could report it because they go by the latest date, the disposition date not the offense date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient Emailed me on Thursday XX/XX/XXXX, stating that they put my loans in defaukt status but were willing to settle at 25 % as a pay off offer. Since XXXX is the servicer now and I am also in in-school forbearance I am surprised tp receive this email from them. I thought they were banned from servicing loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: FL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX XXXX XXXX. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-10 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 - XX/XX/XXXX - {$0.00} FB & XXXX XXXX XXXX XXXX XX/XX/XXXX - {$5300.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} CITI - XXXX - XX/XX/XXXX - {$670.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/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 2025-04-10 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: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/XXXX I received a text message from Chime asking if I authorized a transaction for {$100.00} at XXXX XXXX XXXX on XX/XX/XXXX. I immediately responded No and checked my account. Upon reviewing my account activity, I discovered that XXXX unauthorized ATM withdrawals were made on the same date and time, totaling {$1500.00}. 
These transactions were made at an ATM located in XXXX, while I am a resident of XXXX, XXXX  and have not left the state. 
I immediately contacted Chime to report the fraud. They opened XXXX separate claims for the XXXX transactions. Of those, XXXX claims were resolved and refunded. However, the other XXXX claims, for the amounts of {$400.00} each ( totaling {$800.00} ), have been repeatedly denied, even though all XXXX transactions occurred on the same date, at the same time, and at the same location. 
I have never shared my account details or PIN with anyone, and I have full control over my debit card. 

Despite submitting all requested documentation, Chime continues to deny these claims without providing a clear or satisfactory explanation. This has caused significant financial distress, as I rely on these funds to support my family and cover essential expenses. 

I have made several attempts to resolve this issue directly with Chimes customer service and dispute resolution team, but I have not received a fair or satisfactory resolution. 

Therefore, I am requesting your assistance in holding Chime accountable for their refusal to refund the stolen funds and to help me resolve this matter as soon as possible. 

Thank you for your attention to this matter. I look forward to your prompt response and support in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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:
I called the company who no longer had my account. I then disputed with the credit bureaus who did not take the info off. I am writing to get the account corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
XX/XX/25 disputed charge for {$60.00}. Paid the bill by other means, however was still charged. Advised by phone company to dispute as they cant physically issue a refund with XXXX days Suncoast closed my case. Not granting my claim despite the receipt of proof I am furious!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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:
I am writing to demand the immediate deletion of several fraudulent accounts listed on my credit report, which remain despite prior disputes. These accountsresulting from identity theftdo not belong to me and were opened without my knowledge or consent. I am a victim of identity theft, likely exacerbated by widely reported public data breaches that have compromised personal information, such as those affecting millions of consumers in recent years. Some of these accounts have already been removed by XXXX or XXXX other credit bureaus, yet they persist on your records, causing ongoing harm to my credit profile.

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Moved from XXXX XXXX XXXX XXXX XX/XX/year> owner XXXXXXXX XXXX XXXX. Manager of apartments ended my lease. They billed be after I moved, for no gas no lights water charges until XX/XX/year> saying I owe them 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 2025-04-10 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:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It shows that I have a couple of credit cards on my credit report i've never applied for these credit cards I don't normally check my credit report every single month or year cause I don't lose my credit like that I have requested and sent out a letter to each credit bureau and each creditor requesting documents to validate this debt and I have not received anything to show proof all I have received is an update from the credit bureaus saying that this debt is validated and is accurate as I believe this is false I know by the law of the credit bureau they are requests to validate this and to show me proof of validation and I have not received anything it's been over three months and I know they have only 30 days to validate this account or that account needs to be deleted and nothing has been done

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