vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-03-17 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: CT

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-17 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: NY

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 





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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!!

I will never stop filing complaints against you because I know my rights!

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> I discovered that an unauthorized phone number was listed under my Chase checking accounts two-factor authentication and security settings. This number is not mine, and I never authorized its addition to my account.

When I contacted Chase, I was told there was " no trace '' of how this number was added and that it appeared to have " always been there, '' which is highly concerning.

Despite the security risk, Chase has not provided a sufficient explanation, audit trail, or investigation report, and I am deeply concerned about my accounts security and potential identity fraud. 

I am seeking a formal investigation, a written report of findings, and an explanation of how this number was added, from what device/IP, and when and an explanation of whether this number was linked through any third party, or employee action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: CT

Complaint narrative:
XXXX has placed two hard inquiries on my credit report for the same application that they are claiming are different now within a short period, which violates standard credit reporting practices.

Under FCRA ( 15 U.S.C. 1681s-2 ), creditors must ensure accurate reporting, and duplicate inquiries for a single application should not occur. 
CFPB Regulation V ( 12 CFR 1022.42 ) requires creditors to report information fairly and accurately, yet XXXX has failed to consolidate these inquiries. 
FICO and XXXX models are designed to deduplicate multiple inquiries within a set period ( typically 14-45 days ) to prevent unfair score penalties, yet XXXX has disregarded this practice. 
ECOA ( 12 CFR 1002.9 ) ensures fair lending practices, and generating multiple hard inquiries for the same application could be seen as unfair treatment. 
XXXX failed to properly handle inquiry deduplication under Metro 2 reporting standards, which require lenders to avoid multiple XXXX  hard inquiry codes for the same application. 
Pattern of Unfair and Deceptive Practices If XXXX is systematically placing multiple inquiries on consumer credit reports without justification, this could be a violation of Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under CFPB regulations. Repeated violations could lead to regulatory action, fines, or legal scrutiny.

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 2025-03-17 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: CT

Complaint narrative:
XXXX has placed two hard inquiries on my credit report for the same application that they are claiming are different now within a short period, which violates standard credit reporting practices.

Under FCRA ( 15 U.S.C. 1681s-2 ), creditors must ensure accurate reporting, and duplicate inquiries for a single application should not occur. 
CFPB Regulation V ( 12 CFR 1022.42 ) requires creditors to report information fairly and accurately, yet XXXX has failed to consolidate these inquiries. 
FICO and XXXX models are designed to deduplicate multiple inquiries within a set period ( typically 14-45 days ) to prevent unfair score penalties, yet XXXX has XXXXisregarded this practice.

ECOA ( 12 CFR 1002.9 ) ensures fair lending practices, and generating multiple hard inquiries for the same application could be seen as unfair treatment. 
XXXX failed to properly handle inquiry deduplication under Metro 2 reporting standards, which require lenders to avoid multiple INQ hard inquiry codes for the same application. 
Pattern of Unfair and Deceptive Practices If XXXX is systematically placing multiple inquiries on consumer credit reports without justification, this could be a violation of Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under CFPB regulations. Repeated violations could lead to regulatory action, fines, or legal scrutiny.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I had opened the account just for my taxes. Once I received an early tax advance they closed the account. Without my knowledge so the funds still go deposited into the closed account! So they accepted the money and held it until they closed the account down! I called after the 60 days are up and they still can not provide me with a check number for the check that supposed to be sent to me upon closing the account! It was {$1000.00} check from refund advantage for my early tax advance and now I can not get the money or get the company to help me see where the money was sent or when it was sent!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-17 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 am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS :

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
I disputed that this account is closed. I have letters showing they are closed as the debt collects purchased my debt from a different lender without my permission which goes against Pursuant to 18 USC 8

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
ACCOUNTS : XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is a medical collection on my account that is being reported on Experian. I contacted them to remove it due to the new rule that went into effect on the XXXX of XX/XX/year> prohibiting consumer reporting agencies from including medical debt on credit reports. The representative said the rule did not apply to my state ( Texas ) and that there was nothing they could do. I asked what rule/law they were referencing and they said they couldnt give me that information.

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 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was charged {$920.00} at an ATM withdrawal on XX/XX/XXXX of 2025. During that night, I was robbed and my phone and debit card were both stolen, and my sensitive information was compromised. They were able to access my phone information as well as banking information and ended up spending over {$3000.00}. I have received a lot of the money back for the claims, but chase is refusing to give me {$920.00} from an ATM withdrawal even though they know I was robbed and the events that occurred that night. They claim there is no evidence of fraud. I have been banking with them for XXXX years, this is disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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:
I am disputing an account fraudulently reported by XXXX XXXX due to identity theft. Despite multiple disputes, it remains on my credit report, causing severe financial harm. Additionally, I lawfully attempted to set off the alleged debt under 12 U.S.C. 411, yet XXXX has failed to remove it. 

I have kept my account frozen for protection, but this has negatively impacted my life and financial opportunities. Chases continued reporting constitutes defamation and unlawful collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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 disputing an account fraudulently reported by XXXX XXXX due to identity theft. Despite multiple disputes, it remains on my credit report, causing severe financial harm. Additionally, I lawfully attempted to set off the alleged debt under 12 U.S.C. 411, yet XXXX has failed to remove it. 

I have kept my account frozen for protection, but this has negatively impacted my life and financial opportunities. XXXX  continued reporting constitutes defamation and unlawful collection 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 2025-03-17 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 disputing an account fraudulently reported by XXXX XXXX due to identity theft. Despite multiple disputes, it remains on my credit report, causing severe financial harm. Additionally, I lawfully attempted to set off the alleged debt under 12 U.S.C. 411, yet XXXX has failed to remove it. 

I have kept my account frozen for protection, but this has negatively impacted my life and financial opportunities. XXXX  continued reporting constitutes defamation and unlawful collection 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 non-monetary relief
Consumer complaint received 2025-03-17 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: NC

Complaint narrative:
Subject : Urgent Follow-Up Inadequate Investigation of Student Loan Dispute Dear CFPB Representative, I am writing to formally escalate my dispute regarding the student loans reported on my credit file. I initially submitted a complaint on XX/XX/year>, citing potential FERPA violations and unauthorized access to my private student loan information. However, Experian has already responded on XX/XX/year>, claiming their investigation found the reporting to be accurate. This response is highly concerning, given that the timeframe of only three days is insufficient for a thorough and lawful investigation. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to conduct a reasonable reinvestigation of disputed information ( 15 U.S.C. 1681i ). Given the serious nature of my claim, Experians rapid dismissal suggests that no proper verification process took place. Furthermore, my request included concerns about violations of the Family Educational Rights and Privacy Act ( FERPA ), which require a more extensive inquiry into how my student loan data was obtained and reported. 

At this point, I am requesting the CFPB to take immediate action by : 1. Compelling Experian to Provide Documented Proof of Their Investigation Process including what sources they contacted and how they verified the accuracy of my student loan reporting.

2. Mandating Compliance with FERPA and FCRA Regulations ensuring that Experian, and any entities they relied on, lawfully obtained my student loan data.

3. Holding Experian Accountable for a Potentially Incomplete or Bad-Faith Investigation given the suspiciously short timeframe in which they closed my dispute. 

If this issue is not properly addressed, I will be left with no choice but to pursue legal action to enforce my consumer rights. I expect a prompt response and intervention from the CFPB to ensure that a legitimate investigation is conducted. 

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 explanation
Consumer complaint received 2025-03-17 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 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The inaccuracies on my report are making it difficult for me to move forward. These mistakes are unfairly hurting my scores and creating unnecessary obstacles.

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 2025-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX, which is reporting an inaccurate and unverified collection account on my credit report. This account is completely unbeknownst to me, and the original creditor has already confirmed that the debt was settled for an amount that is not even remotely close to what is currently being reported. 

Furthermore, XXXX XXXX XXXX has violated the Fair Debt Collection Practices Act ( FDCPA ) by reporting inconsistent and conflicting balances across the credit bureaus : XXXX and XXXX report a balance of {$2700.00} TransUnion reports a balance of {$2700.00} Additionally, the original creditor could not verify the validity of this account, let alone prove its accuracy when each credit bureau reflects different balances, open dates, and dates of last activity. These discrepancies demonstrate clear violations of the following federal laws : 15 U.S. Code 1692e False or misleading representations, 15 U.S.C. 1692g Validation of debts, 15 U.S.C. 1692f ( 1 ) Unfair or unconscionable means to collect. I am formally requesting that XXXX XXXX XXXX immediately remove this account from my credit report due to its inaccurate and unverifiable nature. This is my good faith attempt to resolve this issue before pursuing legal action and monetary relief for damages caused by their 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 non-monetary relief