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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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: Servicing Solutions, LLC
State: GA

Complaint narrative:
A fraudulent account appeared on my credit report tied to Servicing Solutions claiming to be XXXX XXXX XXXX. I have never had any XXXX issued by XXXX, nor have I ever opened a XXXX business credit account with that limit or amount, and I have never had a joint account. 

When I contacted Servicing Solutions, they could only confirm my name and an old address along with a partial XXXX area code phone number and outdated email I no longer use. They would not provide full account details. 

I contacted XXXX XXXX XXXX directly and they confirmed I do not have any such credit card or account with them, and that they do not use Servicing Solutions for collections in the way described. They also stated their process would involve sending letters, which I never received. 

This account first appeared during a 24-hour period when I temporarily unlocked my normally frozen credit so a mortgage company could run my report. This suggests my information was compromised and used during that window. 

I am submitting my credit report highlighting the error, my ID, Social Security card, and a letter from XXXX confirming the account is not mine to support this dispute.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm writing to bring your immediate attention to a serious issue on my credit report. There is a hard inquiry listed that is completely fraudulentI did not authorize it, I did not initiate it, and I have absolutely no knowledge of the company or party that made it. 

Let me be as clear as possible : this inquiry was not done by me or with my permission. I have never applied for credit with the organization listed, and I take unauthorized activity tied to my identity very seriously. Whether this was done in error or as part of a potential identity theft situation, I want it handled without delay. 

This fraudulent inquiry is not only inaccurate, but its also affecting my credit unfairly. Im formally requesting that it be immediately deleted from my credit report in full accordance with the Fair Credit Reporting Act ( FCRA ), which gives me the right to dispute unauthorized or false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/XXXX- asked XXXX about early lease termination options if deployed overseas following summer with the US XXXX XXXX XXXX. They promised there are options. 

For several months in XXXX, after receiving my overseas assignment to XXXX in XX/XX/XXXX, I contacted Chase to terminate my lease early. As a diplomat and XXXX XXXX XXXX, I am eligible under a revised statute similar to a military service member. SCRA as amended under the NDAA in XXXX extends same privileges to diplomats and foreign service officers I have spoken to XXXX staff in XXXX XXXX, about XXXX staff at Chase, and still no answer. My deployment for the US government is next week on XX/XX/XXXX. 

Despite starting this process around XXXX and each month that follows, I still do not have an answer from Chase to terminate early. It is illegal and fraudulent. They are delaying unfairly and illegally. 

Please assist urgently with Chase leasing department and with XXXX XXXXThank you so much for your urgent assistance and intervention.

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: IA

Complaint narrative:
Its fraudulent accounts reporting to my credit profile

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ 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: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

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: CO

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

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 XXXXXXXX

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: LA

Complaint narrative:
Between XXXX and XX/XX/year>, multiple fraudulent and unauthorized accounts were reported to my credit files, including : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Reported as late payment and loan ( I never applied for, authorized, or benefited from this account ; I have never had a XXXX XXXX or XXXX XXXX account ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Large auto loan opened fraudulently ( Account # XXXX ; never applied, no inquiry ). 

XXXX XXXX ( Auto Loan ) Large auto loan opened fraudulently ( Account # XXXX ; never applied, no inquiry ). 

Any other negative or unauthorized tradelines on my current reports ( see evidence ). 

Key facts : I never applied for, authorized, or benefited from any of these accounts. 

There are NO hard inquiries on my reports for these accounts, proving there was never a legitimate application or permissible purpose. 

I have filed multiple FTC Identity Theft Reports ( see attached PDFs, including XXXX and supporting docs ). 

My credit reports show these negative items as late, charged-off, or in collections, severely damaging my credit and financial life. 

I have repeatedly submitted formal disputes and uploaded all identity theft evidence, yet the bureaus and furnishers have : Failed to remove or block these fraudulent accounts as required by law. 

Exceeded the XXXX FCRA deadline for reinvestigation and correction/deletion. 

Returned verified as accurate responses with NO real investigationjust E-OSCAR automation, despite overwhelming proof of identity theft and data breach.

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: WV

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Venmo charged me twice on XX/XX/XXXX for a payment to a friend, and then required me to verify the other guys phone number and email before refunding me my money. They are scam artists and not forthright

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:
In accordance with the Fair credit reporting act XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A.States I have the right to privacy 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 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 — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

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

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: PA

Complaint narrative:
I am writing in response to XXXX handling of my identity theft dispute filed with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX, under dispute number XXXX. My dispute requested the immediate and permanent blocking of the following accounts under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX Acct # : XXXX * * Balance : {$180.00} * * XXXX XXXX XXXX XXXX Acct XXXX : XXXX * * Balance : {$790.00} * * XXXX XXXX XXXX XXXX # : XXXX * * Balance : {$810.00} * * XXXX XXXX XXXX XXXX  # : XXXX * * Balance : {$810.00} * * Despite my submission of an identity theft affidavit, police report, and all required documentation under XXXX ( a ), Equifax failed to comply with federal law. Instead, after only XXXX days, you responded stating : " EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED '' This response constitutes multiple violations of the FCRA : Violation of 15 U.S.C. 1681c-2 ( a ) : This law requires a consumer reporting agency to block the reporting of information alleged to result from identity theft within XXXX ( XXXX ) business days after receiving proper documentation. Equifax failed to do so. 

Violation of 15 U.S.C. 1681i ( a ) ( 1 ) : The FCRA requires a reasonable reinvestigation of disputed information. A generic statement claiming " verified '' without providing proof of how the data was verified is inadequate under federal law. 

Failure to Provide Verification Method ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ) : I have the right to know how Equifax determined these fraudulent accounts belonged to me. No documentation or evidence was provided to substantiate your conclusion. 

Case Law Supporting FCRA Violations Equifax has previously been held liable for similar failures to investigate and correct inaccurate information : XXXX XXXX XXXX XXXX XXXX, 115 F.3d 220 ( 3rd Cir. 1997 ) : The court ruled that a credit reporting agency can not rely solely on a creditors automated response and must conduct a reasonable, independent investigation. 

XXXX XXXX XXXX, XXXX, 520 F.3d 1066 ( 9th Cir. 2008 ) : The court found that a credit bureau may be held liable for failing to properly investigate disputed information. 

XXXX XXXX XXXX, 582 F.2d 1214 ( 9th Cir. 1978 ) : Established that merely parroting information from a creditor without further inquiry is not a reasonable investigation. 

Equifaxs response mirrors the same negligent behavior condemned in these cases, demonstrating willful noncompliance with your duties under the FCRA.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i need transunion to received my ftc report to remove the inquires that contains identity theft and fraud thats on this ftc 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 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: MO

Complaint narrative:
A lady named XXXX XXXX racially discriminated against me. 
I provided everything the bank requested, and she just had a smirk and funny smile on her face asking for more things they did not request.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I joined the trading with the XXXX XXXX XXXX on the XXXX of XXXX and was promised to receive the profit on the XXXX day which was supposed to be on XXXX or XXXX of XXXX but instead I was requested to deposit more money. Which is on the XXXX I deposited XXXX into valr app and we went through the process where we exchanged it in to currency. And on the XXXX of XXXX I was supposed to get the transfer instead they requested more money which was XXXX I told them I didn't have it as I was expecting to receive the profit not to deposit more money. I was told there is nothing that they could do, they insisted I should find it. I was able to only raise XXXX which they said was fine we proceeded with it then on the XXXX of XXXX is the day I was supposed to receive the money but nothing. Later that day I requested what was the matter I was told the transfer was reversed due to Tax something didn't mention to me. They say it requires XXXX XXXX which is what I don't have. They say there is nothing they can do and I'm getting ignored now.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved.

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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Scott Fetzer Financial Group Inc.
State: MD

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Netspend Corporation
State: IL

Complaint narrative:
On XX/XX/XXXX, I opened a Netspend Debit Account under a promotional offer advertised as : " Receive a {$200.00} credit when you Direct Deposit {$400.00} in 60 days. '' The terms stated that to qualify, I had to : Open a new Netspend Debit Account and pass identity verification between XX/XX/XXXX, and XX/XX/XXXX ; Enroll in direct deposit and receive a minimum of {$400.00} in qualifying direct deposits within XXXX days ; Receive the {$200.00} credit within XXXX business days of fulfilling those requirements. 

I completed all required steps : Opened and activated a new Netspend Debit Account on XX/XX/XXXX Passed identity verification Enrolled in direct deposit Received qualifying direct deposits totaling more than {$400.00} on XX/XX/XXXX According to the promotional terms, I should have received the {$200.00} credit by XX/XX/XXXX at the latest. As of the date of this complaint ( XX/XX/XXXX ), I have not received the promotional credit. 

I have contacted Netspend support to resolve the issue but have not received a satisfactory response or resolution. This is a clear case of failing to honor advertised promotional terms.

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