vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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: CA

Complaint narrative:
am formally requesting the blocking and deletion of all accounts associated with my personal information as a result of a recent data breach.

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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I finished college in 2016 and started paying on my student loans. When covid hit and we were able to put student loans into forbearance, I did. I waited and watched to make sure payments weren't coming back and time went on. I found out in XXXX that my student loans had been moved from XXXX to XXXX without my knowledge. I went and had to sign up to even see my loans. When I got in there, it said I had late payments. I knew that my autopay was off and they had started asking for payments. I cleared up those payments immediately and set up autopay moving forward. I knew that with XXXX in office, the forbearance was done. Time went on and I recently went to purchase a car and found out that my credit score had dipped XXXX points. I looked into it and it shows I had a 90 day late on my student loans reported in XXXX... I do not understand how that could have happened without any notification or anything. I dug into junk folders and everything to find as much info as I could and found a few random XXXX and XXXX emails in my junk folder. 

This is extremely unfair as someone who has worked extremely hard to build my credit. I have done everything right for years and made my payments. I had to have my wife co-sign my car because of this mess. I have tried contacting XXXX and XXXX, no luck. I submitted a dispute on Experian and they denied it. I need help!

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 2025-08-07 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$190.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$260.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the reinsertion of a previously deleted account on my Equifax credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Dear [ Capital One XXXX XXXX XXXX XXXX, am writing in regard to my account ending in XXXX, which I have been actively trying to resol owever, I am receiving conflicting information regarding which party currently holds and manages ti account. 
Capital One has informed me that the account is with XXXX XXXX XXXX, and XXXX XXXX XXXX has stated that the file has been returned to Capital One. As of today, neither party is accepting payment, despite my good faith effort to satisty this debt and avoid further damage to my credit profile. 
I am formally requesting : 1. Written confirmation of which party currently owns or services the account ; 2. Instructions for immediate payment, including total balance and how it will be applied ; 3. A written statement confirming that no additional negative reporting will be made to any credit bureau while this issue is being resolved.

Please consider this my formal notice that I am attempting to resolve the debt in full. Any delay in iccepting payment is through no fault of my own. I request that you correct your records, XXXX XXXX ownership, and allow payment without further delay If I don't receive a resolution within 7 business days, I may be forced to file a written complaint with the Consumer Financial Protection Bureau ( CFOB ) and dispute any negative reporting with the credit bureaus. 
Thank you in advance for your prompt response and cooperation. I am eager to resolve this matter responsibly. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX Phone : XXXX Email : XXXX Last 4 digits of account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Trans Union has had my account locked for almost 10 years and Ive been unable to access it. I have spent countless hours on the phone with them trying to resolve the issue and they keep giving me the runaround and never solving the problem. I dont know what else to do.

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 2025-08-07 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: NY

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

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX INQUIRIES : XXXX  XXXX  Date : 2024XXXX

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 2025-08-07 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: TX

Complaint narrative:
Im reaching out because theres an account showing up on my credit report that does not belong to me. This account appears to be the result of mixed or merged credit information, and it is very clear that this account is tied to someone elses identitynot mine. 

I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it, I have no connection to the person who did, and I should not be held responsible for their financial activity. Somehow, my credit file has been inaccurately combined with another persons information, and this is now negatively impacting my credit profilethrough no fault of my own. 

This is not just a mistake ; its a serious error that violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under the law, you are obligated to ensure that every item reported under my name is 100 % accurate and verifiably connected to me. In this case, that standard is not being met.

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 2025-08-07 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: CA

Complaint narrative:
I am submitting this formal follow-up regarding a previous identity theft dispute I filed on XX/XX/XXXX, with Experian, Equifax, and TransUnion. Despite providing a complete FTC Identity Theft Report, photo ID, and proof of address, I have not received any written response or confirmation of action taken. 

The following unauthorized hard inquiries and a suspicious collection account remain on my credit reports : Experian : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TransUnion : XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX In addition, a vague collection account appears across all reports : XXXX XXXX XXXX or simply XXXX  Alleged original creditor : XXXX or XXXX XXXX Account # : XXXX XXXX XXXX No clear documentation, contact info, or signed contract has been provided. 

This account lacks basic identifying information and fails to meet the FCRA verification requirements, particularly under 611 ( a ) ( 1 ) ( A ) and 605B ( a ). Furnishers are required to provide signed, original documentation linking the consumer to the debt. No such documentation has been provided, and under FCRA 611 ( a ) ( 5 ) ( A ), unverifiable data must be deleted.

Under FCRA 605B ( a ) ( 1 ), consumer reporting agencies must block identity theft-related information within 4 business days of receiving a valid report. It has now been nearly a month with no action taken. This noncompliance continues to damage my credit, cause denials for essential services, and result in XXXX  XXXX. 

I respectfully request the immediate deletion of all disputed inquiries and the fraudulent collection account, along with a written confirmation of all actions taken. This issue has also been reported to the FTC and the California Attorney General. 

Please enforce the obligations of the credit reporting agencies and furnishers under FCRA and FDCPA.

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 2025-08-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I entered into an agreement with XXXX, a buy now pay later company which creates single use credit cards for each transaction, to purchase two items from XXXX totaling {$180.00}. The first item was a treadmill for a total of {$120.00}. This would be paid back in four equal payments of {$32.00}. The second item was a pet stair for a total of {$61.00}, resulting infour equal payments of {$15.00} Later that day XXXX indicated a total purchase of {$230.00} and began withdrawing payments in the amounts of {$62.00} and {$17.00} respectively.I immediately contacted the company. Per their request, I provided copies of the actual receipts for each item documenting the actual purchase price, as stated above, and screenshots of the transactions as listed on their webpage. 

Over a number of days, they have feigned ignorance and have intentionally misunderstood my question regarding why they have, for lack of a better word, " overcharged '' me. 

This eventually led to a request from XXXX that we discussed this over the phone. When I said no, I want itin writing, they stopped communicating and have thus far, for the last four days, ignored my requests for information. I informed them I would be filing this complaint if I did not receive any response. They ignored that too.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: TX

Complaint narrative:
This complaint concerns a late payment inaccurately reported on my credit profile. I take my financial obligations seriously and have made all payments on time for this account.

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 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, I used the Chase XXXX XXXX to purchase three one-way XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) for XX/XX/XXXX, at a cost of {$830.00} per passenger. 

Less than 48 hours later, on XX/XX/XXXX, I discovered that the same flights were available for {$230.00} through Chase XXXX, and as low as {$180.00} directly through the airline. I immediately called Chase XXXX multiple times between XXXX XXXX  and XXXX XXXX to report the discrepancy, express my concerns, and attempt to cancel or dispute the charges. At that time, the charges had not yet posted to my account, and the flights remained unused. 

Despite my timely and repeated efforts, I was informed that nothing could be done. No one attempted to resolve the matter or offer a partial refund, price match, or any good-faith remedy. I ultimately filed a dispute through Chase to formally contest the charge. I am now submitting this complaint because I believe I was misled by Chase XXXX pricing practices and denied fair treatment as a loyal customer especially when the transaction was still pending. 

This incident has caused financial strain and a deep sense of mistrust in a service I have used and relied on for years. I am requesting a full refund of the difference in fare, or the total amount charged, as the service was not yet rendered, and my request for resolution was made in good faith and well within a reasonable window.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-07 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: CA

Complaint narrative:
I am writing to formally dispute the inclusion of two accounts on 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 explanation
Consumer complaint received 2025-08-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Im extremely frustrated to see an unauthorized inquiry on my credit report this morning with no explanation. I checked it like I always do, but this time something was clearly wrong. I even refreshed the page thinking it was a system error, but the inquiry remained. I need the documents I submitted to be reviewed immediately so I can stop stressing about this unexpected issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-07 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief