vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I would like JPMCB to investigate and update my account as current. There is a payment from XX/XX/year> that is not showing current which this Im not correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established in my name. I would appreciate your consideration of this matter while reviewing my credit report and urge you to take appropriate actions to rectify any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XX/XX/year> Recently, I received my credit report from your company. After reviewing it I found that the information you providing on some items contains not only Invalid and incomplete information, but both inaccurate and incorrect information as well.

As you know, all incorrect and inaccurate information MUST be IMMEDIATELY REMOVED from my credit report. I attempted to contact the below creditor listed below and received NO response to my request. As per federal law and the FDCPA, regulation under following 15U.S.C. 1792 et seq. 15 U.S.C. 1682g, Validation of Debts, creditors are required to provided this information within 30 days upon request or release the invalidated debt information from my credit report. I am including PROOF that each creditor received the notification more than 30 days ago and DID NOT respond nor did they remove the item listed on my credit report. 

Account Name : XXXX XXXX XXXX XXXX Type : Revolving - Account XXXX XXXXXXXX I attempted to verify this debt and received NO RESPONSE from the above company ( see attached proof of this verification. ) According to FEDERAL LAW, this creditor had 30 days from the date of my request to validate the debt and they failed to provided any information concerning this debt. This debt is NOT mine and needs to be removed immediately from 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 2025-07-03 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: PA

Complaint narrative:
XX/XX/year> Recently, I received my credit report from your company. After reviewing it I found that the information you providing on some items contains not only Invalid and incomplete information, but both inaccurate and incorrect information as well.

As you know, all incorrect and inaccurate information MUST be IMMEDIATELY REMOVED from my credit report. I attempted to contact the below creditor listed below and received NO response to my request. As per federal law and the FDCPA, regulation under following 15U.S.C. 1792 et seq. 15 U.S.C. 1682g, Validation of Debts, creditors are required to provided this information within 30 days upon request or release the invalidated debt information from my credit report. I am including PROOF that each creditor received the notification more than 30 days ago and DID NOT respond nor did they remove the item listed on my credit report. 

Account Name : XXXX XXXX XXXX XXXX Type : Revolving - Account XXXX XXXXXXXX I attempted to verify this debt and received NO RESPONSE from the above company ( see attached proof of this verification. ) According to FEDERAL LAW, this creditor had 30 days from the date of my request to validate the debt and they failed to provided any information concerning this debt. This debt is NOT mine and needs to be removed immediately from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: FL

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
DPT EDXXXX - XXXX DPT EDXXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute the debt you claim I owe and to address your unlawful collection actions. I do not acknowledge any debt to the following collection agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 12 CFR 1006.34 ( b ) ( 5 ), I request complete validation, including the original creditor, account details, and a full itemization of all charges. A copy of the purchase agreement is also required to confirm your authority to collect. Ive filed a complaint with the CFPB over these issues.

I am revoking all permission to contact me by phone, email, or text. Only written communication is permitted. Your failure to properly notify me and allow dispute, as required by law, violates my rights. Furthermore, [ creditor_name ] is prohibited from reporting this debt without providing the necessary disclosures under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Subject : Disputing Fraudulent Inquiries on Credit Report Dear TransUnion, I am writing to formally dispute several credit inquiries that have appeared on my credit report, which I believe are the result of identity theft or fraud. Upon reviewing my credit file, I discovered multiple inquiries that I did not initiate or consent to. These inquiries appear to be fraudulent and are not a result of any action taken by me. 
Below is a list of the inquiries in question : XXXX Inquiry date XX/XX/scrub> XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/year> XXXX XXXX XXXX XXXX  Inquiry date XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/year>XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
Subject : Urgent Complaint Against Truist Bank for Withholding Business Funds and Lack of Communication Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Truist Bank regarding the unjustified blocking and continued withholding of funds from my business account ( XXXX XXXXXXXX ), belonging to XXXX XXXX XXXXXXXX XXXX. 



On XX/XX/year>, Truist Bank notified us that the account had been restricted due to suspicious and/or unusual activity. They stated that funds would be returned to the originator of the transaction after their investigation. However, despite the originator of the transaction making a formal request through their bank for the return of these funds, Truist has not followed through. 



We have made several calls and sent multiple email correspondences to Truist Bank, but no response has been received. The bank previously assured us that their legal team would contact us, but it has been several months with no follow-up. Furthermore, the originator of the transaction has made himself available to meet with Truist officials to clarify any concerns, yet the bank has declined to engage. 



Two Truist representativesXXXX  XXXX XXXX and XXXX XXXX XXXX consistently refused to return my calls, despite over 100 attempts to reach them. This has not only delayed access to legally acquired business funds but has severely impacted our operations and taken a toll on my personal health. 



Attached to this complaint is the official letter from Truist Bank dated XX/XX/year>. 



I respectfully request the CFPB to intervene in this matter and ensure that Truist Bank either returns the funds to the originator or releases them back to our business without further delay. 



Sincerely, XXXX XXXX Managing Director XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Phone - XXXX Email - 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 2025-07-03 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: TX

Complaint narrative:
I was a victim of identity theft, and I am requesting that fraudulent information be removed from my credit report. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus are required to act swiftly and remove fraudulent accounts within 4 business days upon receipt of this request. Some of the disputed items are completely unknown to me, while others have been successfully removed by other credit bureaus, raising concerns regarding their accuracy and legitimacy. 
XXXX XXXX XXXX Account # XXXX Balance {$500.00} XXXX XXXX XX/XX/year>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 non-monetary relief
Consumer complaint received 2025-07-03 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: VA

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I wasnt aware that my card had overdraft. I woke up this morning to check my bank account not only was it overdrafted, but it has {$170.00} worth of overdraft fees when the overdraft was only {$80.00} and the bank refuses to remove that that is beyond ridiculous I am currently unemployed and is struggling, they just dont care.

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 2025-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I made a payment using PayPal on XX/XX/year>, for a digital service that I never received. The seller accepted to refund me, but their account became limited, and they couldnt process the refund. 

I opened a dispute ( Case ID : XXXX ) and contacted PayPal multiple times requesting that they process the refund on the sellers behalf. I provided all requested documents, linked my bank account, and verified my identity. 

Despite that, my account was also permanently limited without clear explanation. PayPal sent multiple automated replies, ignoring my specific request and the case details. 

This violates PayPal

s Buyer Protection Policy, which states that if a buyer does not receive the item or service, and the seller agrees to refund, PayPal should facilitate the refund. Im simply a buyer who paid and didnt receive the product. I never violated any policy. Im requesting a full refund and a formal explanation of the account limitation decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law.

Disputed Accounts : 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 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 Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Statebridge Company
State: CA

Complaint narrative:
In 2011 we filed XXXX XXXX XXXX wherein our XXXX and XXXX mortgage was included but reaffirmed debt. We continued paying on the XXXX but never received anything from that point forward from the XXXX mortgage holder XXXX XXXX. We later found out the company went Bankrupt themselves and assumed the debt was forgiven. 14 years later out of the blue we get a notice from Statebridge claiming we have defaulted on the XXXX mortgage saying we have missed XXXX payments and we have unttil XX/XX/XXXX to pay in full {$80000.00} or foreclosure process will begin. We called and they said the balance is now {$100000.00} with all the interest of missed payments. I believe this is unfair as we never heard from anyone and did not know who to contact. The original balance was {$69000.00}. I do not mind repaying what I owe but tacking on all that interest without ever giving us a right to pay and not hearing from any investor or mortgage holder for the last 14 years is outrageous. We asked to settle and they said they would not take anything less than the {$80000.00} since we now have equity. We are not in a position to do this financially. We have since requested a payment plan to be re-installed and waiting to hear back so it will not get foreclosed upon. Even if they approve the payment plan we do not feel its right to tack on so much interest since it is the fault of the lien holder for not contacting us over the past 14 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: FL

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