vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Auto 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 fraudulent accounts that have been wrongfully reported under my credit file. I did not authorize or open these accounts, and their inclusion is a serious error that misrepresents my financial history. Their continued reporting is harmful, misleading, and unacceptable.

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 2025-09-08 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:
I am requesting that the following inaccurate addresses be removed from my credit file : XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX I have never lived at these addresses nor received mail there. My correct and only address is : XXXX XXXX XXXX, XXXX, MI XXXX ( proof attached drivers license and recent mail ). 

Please delete these inaccurate addresses and update my credit report accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: NC

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: EQUIFAX, INC.
State: AL

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 non-monetary relief
Consumer complaint received 2025-09-08 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem 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 2025-09-08 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:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section XXXX of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on 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 2025-09-08 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: WA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TransferWise Ltd
State: WV

Complaint narrative:
XXXX XXXX XXXX XXXX Wise US Inc . 
XX/XX/year> : I opened a Wise account to pay my business utility expenses. On XX/XX/XXXX, Wise deactivated the account. Their support email ( attached, Exhibit XXXX ) stated the closure was due to section XXXX ( c ) of their Acceptable XXXX XXXX, which bans companies involved in XXXX XXXX or trading. I am not a crypto exchange, and I did not use Wise to purchase cryptocurrency. My intended use was solely to pay electricity bills for my lawful business operations. 
XXXX XXXX XXXX : I contacted my service provider ( XXXX XXXX ) regarding payment alternatives. Their Head of XXXX confirmed ( Exhibit XXXX ) that a lot of people pay from Wise and have done so for years. Because Wise closed my account, I had to use a credit card, which added a 2 % surcharge to every bill. 
XX/XX/year> : I wrote a formal reinstatement request to Wise ( Exhibit XXXX ). In my letter, I explained that my account was misclassified, that I was not trading XXXX, and that I only needed the account for utility payments. I also cited the XX/XX/year> XXXX Order Guaranteeing Fair Banking for All Americans, which prohibits banks and money transmitters from denying services based on vague reputational risk. 
XX/XX/year> : Wise sent their Final Response ( Exhibit XXXX ). Instead of addressing the facts, they said the closure was based on their risk tolerance and denied reinstatement. This contradicted their earlier explanation in XXXX and did not provide a clear, lawful reason. 

XXXX XXXX : Wise first misclassified my lawful business as a crypto exchange. Then, after I disputed this, they changed their reasoning to risk tolerance. Meanwhile, other customers in the same situation continue to use Wise without issue. Because of XXXX actions, I am forced to pay my utilities by credit card at an extra cost of 2 %. 

Requested Resolution : I ask the XXXX  XXXX XXXX XXXX XXXX to investigate Wises practices, require them to provide a specific lawful reason for closing my account, and direct reinstatement if the closure was improper. 

Attached Exhibits : XXXX. My reinstatement request letter to Wise ( XX/XX/year> ) XXXX. Wise XXXX XXXX ( XX/XX/year>, XXXX. XXXX ) XXXX. XXXX XXXX email confirming other customers use Wise without issue ( XX/XX/year> ) XXXX. Wise deactivation notice ( XX/XX/year> )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: VA

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on 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 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy federal gets a payment from me every month. Even with the astronomical fees Im being charged via the interest rate. I do not get a bill every month I have to check the app and as soon as my account is over the limit because they have add XXXX different interest fees they immediately report I'm over the limit to the credit bureaus giving me no time to pay the bill down. NO BILLING CYCLE HAS EVEN PASSED.They are reporting late, over the limit, and it's bringing my score down. Only for me to pay the bill down within the billing cycle. 

Navy federal is not a bank for the consumer they literally work against me every time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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:
XXXX XXXX shouldnt be on my credit report! Its Reporting obsolete or outdated information may result in a misleading or unfair representation of my credit profile, thus violating the standards of complete and accurate reporting under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
I have tried to contact my debt collector in order to pay off the collections. I have called dozens of times and left voicemails. I have emailed and received no return email even when it says they will return email within XXXX  hours. The Receivable Management is the only company I have had issues with when it comes to paying my items off.

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 2025-09-08 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX  # XXXX XX/XX/year> -- {$18000.00} XXXX XXXX # XXXX XX/XX/year> -- {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I believed my chase, XXXXXXXX XXXX XXXX XXXX  was lost. I also did lose my regular chase Visa card and requested via the chase mobile app to have both cards replaced. Instead of replacing both cards they only replaced my chase visa then cancelled and closed down my XXXXXXXX XXXX  account without telling me or giving me notification. No information regarding a new card was provided. I then had to contact numerous people for over an hour while at work with no one still able to give me an answer. Currently the problem still isnt fixed and I am unable to see an accurate balance for my XXXXXXXX XXXX card, no shopping related to when my new card will come and Im unable to pay any payments for my old card as the balance isnt updated. The entire process is ridiculous. No one gives you a direct line/number and half the time they are sending you to reps who arent even US based . This is the worst experience Ive ever had with a credit card company and THEY caused all the problems and closed my account without telling me!!!! Id like to be compensated in a way via chase because not only have I been a royal and long standing customer but this type of service, lack of knowledge from all reps is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting by all three major credit bureaus ( Experian, Equifax, and TransUnion ). The inaccuracies involve incorrect credit balances and utilization ratios, which are negatively affecting my credit profile. 

I have disputed these errors directly with the bureaus in accordance with the Fair Credit Reporting Act ( FCRA ), but the issues remain unresolved. Specifically : My reported balances are incorrect. 
My utilization percentages are being calculated inaccurately. 
These errors appear across all XXXX  credit bureaus. 

I am requesting that the CFPB investigate these inaccuracies and ensure the credit bureaus conduct a proper reinvestigation and correction of my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting by all three major credit bureaus ( Experian, Equifax, and TransUnion ). The inaccuracies involve incorrect credit balances and utilization ratios, which are negatively affecting my credit profile. 

I have disputed these errors directly with the bureaus in accordance with the Fair Credit Reporting Act ( FCRA ), but the issues remain unresolved. Specifically : My reported balances are incorrect. 
My utilization percentages are being calculated inaccurately. 
These errors appear across all XXXX  credit bureaus. 

I am requesting that the CFPB investigate these inaccuracies and ensure the credit bureaus conduct a proper reinvestigation and correction of my reports.

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 2025-09-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica
State: CT

Complaint narrative:
I used an old pin inadvertently when making a purchase. So rightly so direct Express locked my card. I had to call back and change my PIN. Usually this is an easy option in their automated system. But it seems to have a glitch because when I punch in my card number and whatever information is asked it bumps me to a customer service representative. They tell me to call back I've called back numerous times using about XXXX hours worth of my minutes that's how long I've been on hold the longest was for an XXXX  and XXXX minutes. The people are always rude they don't want to accept the fact that there is an issue I have XXXX XXXX XXXX  I don't know what to do because I'm about to get another direct deposit and I can't even change my PIN. When I called back a XXXX time to speak to a supervisor the call drops so I called back at all different times as they say call back XXXX in the morning or whenever. I still wait for at least XXXX minutes before I get someone. Then I'm prompted to give my identity, address etc social Security and the call drops again. This is stressful to say the least I have medication that I need to get and I can't get it. I feel these people know what they're doing they know that they are disconnecting people. I don't know what to do. I've had the card for XXXX  years now the worst issue was when I first got the card XXXX  years ago when I got my first direct deposit of XXXX XXXX they said go to an ATM get rejected and then blah blah blah well I called back I was supposed to be able to use the card after XXXX or XXXX hours, nothing. So I asked to speak to a supervisor she got very irate and upset with me and I said I'm doing everything you all told me to do. She hung up on me and then froze my card. XXXX  days later after calling them at least XXXX times I finally got a halfway decent supervisor who said your card should have never been frozen. That was my first introduction to direct express the first time I had it the first month I was to get my XXXX XXXX and use the card they froze my card for no reason. It seems very unlawful and disgraceful to treat XXXX and or XXXX  people this way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing the late payment reported on my credit file, as it is inaccurate and does not reflect my actual payment history. I have maintained timely payments, and this negative entry is an error that misrepresents my financial responsibility. Its continued presence causes unjust harm to my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the correction of an inaccurately reported late payment on my credit report. My payment records confirm that all obligations were met timely, and this negative entry is false. Its continued presence misrepresents my financial behavior and unjustly harms my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I was banking with Bank of America when I received a check that I wasnt sure was official or fraudulent. So I took it to the branch and asked the teller if she could help me learn how to identify of it authentic. She told me that she couldnt do that, that the only way to know is deposit the check. So thats what I did. XXXX  days later my account was closed. No funds were taken out. I dont even know what happened to the funds I wasnt granted to access to 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 non-monetary relief
Consumer complaint received 2025-09-08 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: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
I am writing with a great deal of urgency and distress to dispute multiple fraudulent accounts that have appeared on my credit report as a direct result of the XXXX XXXX XXXX, in which my personal information, including my Social Security number, was compromised. I am a victim of identity theft, and the impact of this breach continues to cause ongoing damage to my life, and my financial stability. Despite being completely unaware of or unaffiliated with these accounts, they are now being reported under my name and Social Security number. I did not open or authorize these 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