vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
1. I do not have a credit card 2. My mom put me as a authorized user on her card and I did not ask to be I need my own card 3. I am getting denied for inquiries when there are oily 2-3 on XXXX  from 1 car dealer which I did not get and 1 on XXXX  4. They are racially discriminating against me 5. They stopping all money in the economy to make it hard under Trump

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: FL

Complaint narrative:
I can not believe that the inaccurate accounts are still showing up on my credit report this morning. Ive already taken the steps I was supposed to and yet nothing has been corrected. This is causing me serious stress, and I urgently ask that the documents I provided be examined thoroughly so this nightmare can end once and for all.

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 2025-09-10 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:
* * TransUnion LLC * * XXXX XXXX XXXX XXXX XXXX XXXXXXXX * * Subject : * * Demand for Removal of Fraudulent Phone Numbers from My Credit Report To Whom It May Concern, I am writing to formally dispute and demand the removal of fraudulent and inaccurate telephone numbers that are currently listed on my TransUnion credit file. According to my most recent report, the following numbers are inaccurately associated with my identity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These numbers are not mine and appear on my report due to fraudulent activity. The * * only valid phone number that should be associated with me is ( XXXX ) XXXX. XXXX XXXX Under the * * Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) * *, TransUnion is required to maintain accurate and verifiable information in consumer files. Failure to correct this error after proper notice constitutes a violation of federal law. 

I am requesting the immediate removal of the above-listed fraudulent phone numbers from my credit file. Please provide me with written confirmation once this correction has been completed. 

Enclosed, I have provided a copy of my government-issued identification and proof of address to assist in verifying my identity. 

If TransUnion fails to comply with this request, I am prepared to escalate this matter by filing complaints with the * * Consumer Financial Protection Bureau ( CFPB ) * * and the * * Federal Trade Commission ( FTC ) * *, as well as seeking legal remedies. 

Thank you for your prompt attention to this matter. I expect written confirmation within * * 30 days * * as required by the 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 2025-09-10 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: NC

Complaint narrative:
Social Security Administration, Treasury, or XXXX XXXX wont make my payments go to my XXXX XXXX card ever since I started getting money. My grandmother ( XXXX XXXX ). They said theyll do it, but it never happens. Ive called them at least over 10 times since 2020 to put my funds into the card each month so I wont miss a payment or get a late payment. Not to mention Social Security says they are ending paper checks, meaning Ill miss a payment unless this gets resolved. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: CA

Complaint narrative:
I am a victim of identity theft, and my personally identifiable information was leaked in the TransUnion data breach. I received formal notice from TransUnion confirming that my full name, Social Security number, and date of birth were compromised. 

As a result of this breach, numerous fraudulent accounts were opened in my name and unauthorized hard inquiries were made without my consent. These include accounts from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others all of which I have disputed under FCRA 605B. 

I submitted two valid FTC Identity Theft Reports, a copy of my government-issued ID, and a recent utility bill as proof of address. Despite providing everything required by law, these credit bureaus have continued to report fraudulent information on my credit report. 

I am now suffering financial and emotional harm due to the continued presence of these false accounts and inquiries. This is a clear violation of the Fair Credit Reporting Act, specifically FCRA 605B, 616, and 617.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: TN

Complaint narrative:
I am very upset to find that unauthorized inquiries are still present on my credit report today. They did not disappear when I refreshed my browser, which makes this even more stressful. I urgently need you to review the documents I sent so that I no longer have to deal with this problem.

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 2025-09-10 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:
XXXX # XXXXXXXX XXXX XXXX XXXX XXXX, the account number is invalid and truncated, credit limit {$0.00}, payment received {$0.00}, original charge off {$1300.00}, high balance {$1900.00}, 120 days late XXXX, XXXX and XX/XX/XXXX. 
XXXX  XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX credit limit {$300.00}, original charge off {$410.00}, date closed XX/XX/XXXX, 120 days late on XXXX, XXXX and XX/XX/XXXX, last payment made XX/XX/XXXX. 
XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX, date closed XX/XX/XXXX, 120 days late XXXX and XX/XX/XXXX, last payment XX/XX/XXXX, high balance {$2800.00}, show balance on a charge off XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX, high balance {$5300.00}, last payment XX/XX/XXXX, date closed XX/XX/XXXX, original charge off {$3800.00}. 
XXXX XXXX XXXX # XXXX, balance {$0.00}, last payment made XX/XX/XXXX, 120 days late XXXX and XX/XX/XXXX, date closed XX/XX/XXXX XXXX XXXX XXXX {$25000.00}

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 2025-09-10 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: GA

Complaint narrative:
I am formally disputing the fraudulent account listed below. You are now on notice that continued reporting of this unverifiable information places you in violation of the Fair Credit Reporting Act ( FCRA ). 
Creditor/Collector : XXXX XXXX XXXX XXXX XXXX ( alleged assignee of XXXX XXXX XXXX  ) Account XXXX XXXX XXXX Reported Balance : {$28000.00} Date Opened ( per reporting ) : XX/XX/year> XXXX. Fraudulent Account No Proof of Obligation I have never applied for, opened, authorized, or benefitted from any account with XXXX XXXX XXXX XXXX, or XXXX XXXX XXXX. This account is fraudulent. XXXX XXXX XXXX has failed to produce any competent evidence ( such as an original signed agreement or application ) proving I am contractually liable. A bill of sale between debt buyers does not constitute proof of my obligation. 

2. Your Legal Obligations As a credit reporting agency, you are legally required under the FCRA to : Ensure that only accurate, verifiable information is reported ( 15 U.S.C. 1681e ( b ) ) ; Conduct a reasonable investigation of this dispute ( 15 U.S.C. 1681i ) ; Delete unverifiable, inaccurate, or incomplete information within 30 days of this notice ; Provide me with the method of verification if you choose to verify the account ( FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ). 

Failure to do so will be documented as willful noncompliance and subject you to liability for statutory damages, actual damages, attorneys fees, and punitive damages under 15 U.S.C. 1681n and 1681o. 

3. Demand for Immediate Action Accordingly, I demand : The deletion of this fraudulent account from my credit file within 30 days. 
A written explanation of the method of verification used if you attempt to verify this account. 
Notification to all other credit bureaus of this deletion as required by law. 

4. Notice of Potential Litigation If this account is not permanently deleted or if you continue to report unverifiable information, I will have no choice but to pursue all available legal remedies, including filing complaints with the CFPB, my State Attorney General, and pursuing a private right of action in federal court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I can not believe the inaccurate late payments are still appearing on my report today. I refreshed my browser thinking it might be an error, but it was not. This situation is causing me overwhelming frustration, and I need the documents I sent to be carefully verified immediately so I never have to face this again.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The following credit reporting agency failed to follow the appropriate procedures in accurate consumer reporting and failure to comply with account validation request, specifically requesting a detailed view of the payment history of the 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 explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
A few weeks ago, Capital One called me about issues I was having making payments. They claimed they had tried to reach me to verify some information, but I never received any letter or message from them. Later, someone contacted me to correct my full name on XXXX of the accounts, which they fixed. 
Now, XXXX weeks later, all of my accounts are blocked. I cant send or receive money, including XXXX transfersany payments sent to me are instantly returned. When I call the bank, they say they cant verify my identity, even though I gave them my full Social Security number, address, email, and phone number. I was transferred to the XXXX department, but they also couldnt verify anything. 
I was told there's a case open since XX/XX/XXXX, but no one can tell me how long it will take to resolve. Meanwhile, I have no access to my moneyI cant go to work, eat, or cover basic needs. My funds are being held with no explanation, and no one seems to know why.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX Opened XX/XX/XXXX -Balance {$86.00} Account Name : XXXX  XXXX # XXXX -Date Opened XX/XX/XXXX -Balance {$590.00} Account Name : XXXX  XXXX # XXXX -Date Opened XX/XX/XXXX -Balance {$700.00} UNAUTHORIZED INQUIRIES : 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 explanation
Consumer complaint received 2025-09-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently checking my credit report I noticed that I've been a victim of identity theft and found numerous credit inquiries that I have no knowledge of here are the inquiries that i Found, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please Remove these fraudulent things from my credit report I Also attached my identity theft report as well

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 2025-09-10 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-10 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: OH

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
- After the forbearance period has been completed & I reported that my financial hardship was solved. 
- I have been approved to resume paying my monthly mortgage payment starting XX/XX/XXXX. 
- When I called LoanDepot to start paying my monthly payment. I have been informed that I can not resume my payment till my loan is reinstated & new monthly amount will be announced & this will take 90 days ( 3 Months ). 
- I still tried to call in XXXX & XXXX trying to make my monthly payment while LoanDepot keep telling me the same. 
- I was surprised after 90 days. LoanDepot called me & said that I am late 3 months on payments. 
- I mentioned to them that you as a LoanDepot refused to take the payment & told me to wait 90 days. While telling me that I am late on 3 payments. This is misleading. 
- I have reported that to XXXX XXXX XXXX. 
She requested to make a conference call with LoanDepot which they acknowledge that there was a miscommunication from their agent to the client and because of that LoanDepot will make a repayment plan for 6 months to cover those 3 months delinquent amount. 
- I received a letter with the 6 months repayment plan which will start on XXXX till XX/XX/XXXX with a monthly amount {$2800.00}. 
While I will resume my normal mortgage payment of amount {$2100.00} starting XX/XX/XXXX. 
- Once I finished successfully my payment plan on XX/XX/XXXX, I called LoanDepot asking why I still see my account is not current!?. They told me it will be reinstated & become current & you will resume your normal payment on XX/XX/XXXX. This call is recorded on XXXX. and can be supplied upon your request. 
- After 2 weeks. I called for follow up why my account still delinquent. They said we did a mistake & it seems there is a one month payment was missed from LoanDepot side. This is again misleading & unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiries or accounts or to view my credit report. In addition, I did not permit experian rent bureau permission to furnish this incorrect information on my credit report this violation of the fair credit reporting act section 1681b ( c ) constitutes fraudulent activity, and a serious breach of my privacy rights. Please remove these inquiries from my 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 2025-09-10 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: PA

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, BBB, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 

Fraudulent Accounts and Inquiries ( Already Disputed and Documented ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XX/XX/XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation