vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report immediately.

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 2025-07-29 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:
There are a few items on my credit bureau that I have been trying to remove. I have contacted the credit bureaus several times addressing these accounts and companies that are reporting these errors on my credit report. I have never received a solid answer as to why these account is reporting. These accounts are not mine and it is frustrating me as to how they got placeds on my report and why the bureaus can not remove them. Please help! The companies are XXXX XXXX XXXX ( XXXX accounts ) and 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 2025-07-29 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: GA

Complaint narrative:
There are a few items on my credit bureau that I have been trying to remove. I have contacted the credit bureaus several times addressing these accounts and companies that are reporting these errors on my credit report. I have never received a solid answer as to why these account is reporting. These accounts are not mine and it is frustrating me as to how they got placeds on my report and why the bureaus can not remove them. Please help! The companies are XXXX XXXX XXXX ( XXXX accounts ) and 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 explanation
Consumer complaint received 2025-07-29 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:
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 XXXX XXXX  credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX  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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was given student loan forgiveness on XXXX accounts. They were removed in XXXX and XXXX it took away XXXX points from my XXXX XXXX. No my XXXX XXXX is a XXXX and I worked really hard to get that store and I can't even get financed for a hamburger at XXXX 's now. I want this fixed.

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 2025-07-29 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: OH

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

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 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
b'Subject: Urgent Complaint  Bank Fraud, Identity Theft, and Refusal to Refund (Chase Bank Account Ending in XXXXTo: Consumer Financial Protection Bureau (CFPB)\n\nComplaint:\n\nI am filing this complaint to report a serious case of bank fraud, identity theft, and non-compliance with Regulation E by Chase Bank.\n\nSummary of the Incident:\n\nDate of Fraudulent Transaction: XXXX XXXX XXXXXXXXBank Account Involved: Chase Bank checking account ending in XXXX, under my name, XXXX XXXX XXXX XXXXUnauthorized Transaction: XXXX USD was withdrawn from my account without my consent.\n\nMethod of Fraud: The transaction was executed using personal information belonging to my wife, XXXX XXXX XXXX, to create or activate an account at a Chase Bank branch without our authorization.\n\nIdentified Suspect: XXXX XXXX, who allegedly attempted to open a bank account and withdraw a total of XXXX (cancellation number XXXX XXXX XXXX  (cancellation number XXXX.\n\nChase Bank Case Number: XXXX XXXXBranch Information: Phone number XXXX located at XXXX XXXX XXXX XXXX XXXX NY XXXX  (Chase Mortgage department).\n\nInvolved Employee: Bank Manager XXXX XXXX XXXX XXXX, phone number XXXX, who was tasked with canceling the fraudulent XXXX  transactions.\n\n\nViolation of Regulation E:\nChase Bank has acknowledged that the transaction was fraudulent yet has refused to issue a refund as required by Regulation E XXXX XXXX XXXX This refusal represents:\n\n1. Failure to investigate in good faith.\n\n\n2. Failure to provisionally credit my account within XXXX  business days.\n\n\n3. Violation of consumer protection rights regarding unauthorized electronic fund transfers.\n\n\n\nImpact:\n\nDirect financial loss of XXXX  USD.\n\nSevere compromise of my wifes personal information and my banking security.\n\nEmotional distress due to the breach of trust and the refusal to take corrective action.\n\n\nRequested Action:\nI request that the CFPB:\n\XXXX. Open an investigation into Chase Banks handling of this case.\n\n\XXXX. Require Chase Bank to immediately refund the stolen XXXXXXXX  USD plus any related fees.\n\n\XXXXXXXX  Enforce compliance with Regulation E to ensure Chase Bank applies proper consumer protections.\n\n\XXXX. Address the banks failure to safeguard personal data and prevent identity theft.\nI am prepared to provide documentation, including police reports, correspondence with Chase Bank, and transaction records.\n\nComplainant Information:\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: Global Lending Services LLC
State: FL

Complaint narrative:
REMOVE ALL INQUIRIES NOT AUTHORIZED BY MYSELF on XX/XX/year> and XX/XX/year> : XXXX credit XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ran my credit without authorization. On XX/XX/year> XXXX ran my credit without authorizations. please remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
REMOVE ALL INQUIRIES NOT AUTHORIZED BY MYSELF on XX/XX/year> and XX/XX/year> : XXXX credit XXXX, XXXX XXXX XXXX, Ally financial, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, ran my credit without authorization. On XX/XX/year> XXXX ran my credit without authorizations. please remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: OR

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX ( XXXX U.S.C. XXXX ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: GA

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 word 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 XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC
State: CA

Complaint narrative:
The demand for payment was for some type of XXXX XXXX, I never contract or ask to receive. Receivable Management Services refuse to send or provide me any supporting documentation for the alleged debt. As to who used XXXX XXXX to create a debit with XXXX  XXXX, I will need to know where and when this happen, names of offices, when was the product received, and who received the product from XXXX  XXXX, type of XXXX XXXX I never contract or ask to receive. As to who used XXXX XXXX to create a debit with XXXX XXXX. So I can file IRS Form 14039-B Business Identity Theft Affidavit

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 2025-07-29 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: AL

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 word 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 XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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:
There is inaccurate and outdated information on my credit report that I want deleted immediately. The following names and addresses are not up to date and incorrect. 

My name is : XXXX XXXX XXXX My address is : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Personal information XXXX XXXX Addresses XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I closed my Chase credit card account in XX/XX/year> after receiving a fraud alert related to a new card application. At the time of closure, my account had a credit balance of {$200.00} owed to me by Chase. 
I submitted a written refund request via Chases secure messaging platform and have followed up by phone and message numerous times. On XXXX occasions, Chase claimed to have issued refund checks, but I have received neither. The XX/XX/XXXXcheck was stopped by XXXX XXXX after it never arrived. A XX/XX/XXXXcheck was allegedly issued, but as of XX/XX/year>, I have not received it, and no check number or tracking information has been provided. 
Most recently, XXXX XXXX at Chase told me that the refund is with the XX/XX/XXXXoffice but refused to provide a check number, confirmation of issue, or contact information. I was told that even she can not reach that department. 
This delay is a clear violation of Regulation Z under the Truth in Lending Act ( XXXX CFR XXXX ), which requires refunding credit balances within XXXX business days of a written request. It has now been over XX/XX/XXXXdays, and I have been given only vague responses and no resolution. 
I am requesting immediate intervention by the CFPB to compel Chase to issue my refund and provide verifiable documentation of the transaction. 


XXXX Requested : XXXX issuance and delivery of the {$200.00} refund check, with tracking number or electronic delivery if available.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
On XX/XX/year> a check in the amount of {$90000.00} was drafted out of our account. This check does not look like the checks that we have. Also, the check number used is still unused in our checkbook. We noticed this on XX/XX/year> and immediately contacted the bank and the local police department. We have filed official reports with both. Due to storm damage, we were without power for a week and without water for almost XXXX weeks during the time that the fraudulent transaction took place. We were notified by the bank that they are unwilling to give us the money back stating that it has been more then XXXX  days since they sent the statement. The rejection letter was drafted and sent the same day we reported it. That tells us that no investigation was done. We have never heard of any such policy and are aware that this is neither state nor federal law. We feel that the fraud originated from within XXXX XXXX  as they recently had an employee arrested for stealing funds from customers. A lot of the handling of this case was unprofessional like claiming they have never heard of signing an affidavit of loss until the detective arrived and requested for us. The detective stated that 90 % of his fraud claims are with XXXX XXXXXXXX XXXX XXXX  has told us that " higher ups '' told employees they can not discuss the details of our fraud case without us retaining a lawyer. I was given a claims number from my local police ( XXXX ) XXXX Police.

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 2025-07-29 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: SC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX ( XXXX U.S.C. XXXX ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : {$2800.00} XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$2700.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX, Balance : {$10000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$4600.00} XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : {$1100.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XXXX, Balance : {$0.00} INQUIRIES : XXXX  Date : XXXXXXXX XXXX XXXX  Date : 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 2025-07-29 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, I purchased some chocolates at a store in the XXXX XXXX XXXX Terminal XXXX for the amount of XXXX XXXX XXXX  ( XXXX  ). The receipt issued at the time clearly indicates the currency as XXXX. However, my American Express XXXX Credit Card statement indicates that the amount billed is XXXX United States Dollars ( USD ). This discrepancy arises from a currency conversion issue, which is not happening at all, resulting in an overcharge based on the conversion rate ( approximately XXXX times more ). 

I have provided documentation to AMEX for their review. While they have acknowledged receipt of the documentation, they have not yet provided a resolution. Their response was as follows : Thank you for providing the documents related to your claim. We have reviewed the information submitted, however we are unable to fully substantiate your claim with the merchant based on the documentation provided. We truly want to help you with the resolution, but we are bound by decisioning based on the merits of paperwork and here the merchant commitment was fulfilled. At this time, we can only suggest you contact the merchant directly to resolve the matter. The merchant supports have been attached for your reference.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-29 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: NV

Complaint narrative:
I am writing to dispute multiple accounts that are being reported under my name without my knowledge, authorization, or consent. I have never opened, managed, or approved these accounts, and their presence on my credit report is both inaccurate and misleading, resulting in a false representation of my financial history. 

This situation is completely unacceptable. It raises serious concerns regarding potential identity theft or negligent reporting practices. I take the integrity of my credit profile extremely seriously, and the appearance of these unauthorized accounts is deeply concerning.

Company response to consumer: Closed with non-monetary relief