vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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 2025-06-25 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: FL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-25 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: FL

Complaint narrative:
I had a credit inquiry on my credit report that I did not Authorize, when I call trans union they told me to contact the company direct, that turned out to be useless, was never shown a copy from this company showing I authorize this Inquiry. Trans Union then told me to get a letter from the company stating that I didn't Authorize the inquiry how ever the company told me me since am not a account hold with them they cant give me any letter stating that I authorize or didn't authorize.

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 2025-06-25 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: FL

Complaint narrative:
According to the fair credit reporting act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, email or in a fraudulent account. 
I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the account listed below. Your to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 
I DEMAND THE FOLLOWING ACCOUNTS BE VERIFIED OR REMOVED IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: AR

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-06-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
Verified micro-deposits to an external account on XX/XX/25 and scheduled a transfer in the amount of {$1500.00}. At the same time, I scheduled a monthly recurring transfer to the external account. On XX/XX/25, received an email stating the recurring transfer was cancelled, without my authorization, which prompted me to attempt to login to online banking. Upon attempting to log in, I received an error message that my account was restricted and that I needed to call. Called the customer service number provided on XX/XX/25, to inquire, and was advised that I needed to send a valid ID and statement for the external account, which I declined because the account was already verified via micro-deposits. I advised that if the accounts need this information, I asked they be removed and I would use the external accounts to " pull '' money from the Barclays saving account. To date, my access to the online banking has not been restored.

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 2025-06-25 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: SC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After reviewing my recent credit report, I was shocked to discover several accounts that I did not open or authorize. These unauthorized accounts are clear evidence of identity theft and are causing serious complications, particularly as I am in the process of purchasing a new vehicle for my family. I urgently request that these fraudulent accounts be removed from my credit report immediately to prevent further damage.

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 2025-06-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK
State: OK

Complaint narrative:
I have had a Discover CC, Savings, Checking, CD accounts for over 20 years. Recently they have add a verification process where they send a text to your phone number to verify who you are. That's fine but it does it every time I try to log on to my account from my home computer. That is the only computer that I log on with. I don't do with a phone or any other method. It has verified my computer at least XXXX times and I have called XXXX times telling them to remove this feature or make it work once to verify my computer. They advise it's part of their system and they can not remove it. I advised my only options are to file a complaint here here or cancel my accounts after so many years. They said would note in their file. Please have them make this process work where I dont have to get a text every time I log in to my long time accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting a new complaint regarding a previous issue that remains unresolved. 

On XX/XX/year>, Chase Bank issued a refund check ( # XXXX ) in the amount of {$990.00} after a failed XXXX transfer to my closed Chase account ending in XXXX. I never received the check, and my local XXXX office confirmed that no mail was delivered to me. Due to unreliable mail delivery in my area, I requested that Chase either cancel the check and send the funds via ACH to my XXXX  XXXX XXXX account or reissue the check using a secure delivery method like XXXX. 

Chase responded that they could not issue the funds via ACH since the amount had already been processed as a check. They informed me that once I visited a branch to place a stop payment and completed the required declaration form, they would be able to reissue the check via XXXX. 

On XX/XX/year>, I visited a Chase branch in person, completed and signed the required forms, and requested a stop payment and reissuance of the check. I have copies of the completed forms as proof of submission. 

As of today, I have not received any further updates or confirmation regarding the shipment of the replacement check. I have fully complied with all of Chases instructions and I am now waiting for the refund to be sent via XXXX  as they promised. 

I respectfully request that the Consumer Financial Protection Bureau follow up with Chase to ensure that the reissued check is sent promptly using a trackable delivery service ( XXXX ) and that I am notified once it has been shipped. 

Recipient Information for Check Delivery via XXXX : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX, XXXX XXXX City/State/ZIP : XXXX, CA XXXX XXXX : XXXX Email : XXXX Thank you for your continued support and assistance in resolving this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: CA

Complaint narrative:
After reviewing my recent credit report, I was shocked to discover several accounts that I did not open or authorize. These unauthorized accounts are clear evidence of identity theft and are causing serious complications, particularly as I am in the process of purchasing a new vehicle for my family. I urgently request that these fraudulent accounts be removed from my credit report immediately to prevent further damage.

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 2025-06-25 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : - Creditor Name : [ XXXX - XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXXXXXX XXXX  ] - Account Number : [ XXXX ] - Reason for dispute : [ account not

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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:
This account doesn't belong to me, I am not responsible for this account. I am a victim of identity theft and I want this removed 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 2025-06-25 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: OH

Complaint narrative:
I just checked my credit report and saw inquiries I dont recognize. Im really worried because I believe Ive been a victim of fraud. This has been so stressful, and its making it impossible for me to get the credit I desperately need. 
Please, Im asking for your help in removing these fraudulent inquiries. This situation has been overwhelming, and I dont know what else to do. Id truly appreciate any assistance you can provide. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I AM WRITING TO FORMALLY DISPUTE THIS INFORMATION REPORTED ON MY CONSUMER FILE. I AM CHALLENGING THE FOLLOWING COLLECTION. 
Transworld Systems Inc - Amount : {$330.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I wanted to close my Citibank savings account because of the low interest rate. 
Went online and couldn't do it, have to call. Called in and was told I have three ways to close my account : 1. Go to a branch ( closest is 2000 miles away ).

2. Pay them {$17.00} to wire to myself.

3. Transfer to myself the daily limit until account emptied ( spoiler : there is a monthly limits equal to two days daily limit ). 

Told her I would transfer to myself but then found out there was the monthly limits that wouldn't let me transfer anymore until XX/XX/XXXX! It would take months to get my money back. 

Went on chat and told them I can't get my money out via daily limit as advised because there is a monthly limit. Told to go to branch, which I repeatedly told them there isn't one in my state or any nearby states. They said they can not change the limits and I could only pay to wire myself the money. They said they'd make a " note on this for a dedicated team for action and review '' but wouldn't answer if someone would do something about it or if get a call back. 

Gave up and went online to wire myself the money and my access gets locked. Have to call and verify a XXXX things to get it back. Finally, get on and wire myself the money. 

Woke up to an email that they all have put a hold on the wire pending more information and I have to call in. Tried to resolve online because frankly their call-in people are no help. However, no mention of anything online. Call in and have to jump through all the hoops to verify myself before getting to speak to a person who ALSO has to go through all sorts of verifying information ( different from what I've already done ). Tells me I have to answer required questions about being scammed. I told him there are notes all over my account that I'm trying to close my account because of the low interest rate and I'm wiring the money to myself. He says I have to answer or I can't have my money per regulations. XXXX questions on if someone texted me, if someone called me, etc.... answered all the questions and was told my wire should go through but I still don't have my money. 

They act unethically putting up so many obstacles when you want to withdraw your own money. I know this isn't regulation or common business practices because I was able to close another account with a different bank within XXXX minutes of getting online.

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 2025-06-25 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: IL

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation. 

I am sincerely looking forward to your understanding and kind consideration of my request. Your assistance in addressing this matter would not only help resolve the inaccuracies on my credit report but also alleviate the challenges I am currently facing due to the drop in my FICO score. Your efforts in handling this dispute would make a significant difference, and I truly value the time and attention you dedicate to reviewing and resolving this issue. I deeply appreciate your willingness to help, and I remain hopeful for a positive outcome. Thank you once again for your support and consideration.

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 2025-06-25 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:
XXXX XXXX XXXX the business loans originated on behalf of XXXX XXXX XXXX. At the time of inception, the company stated they would not report to the 3 credit bureaus regarding personal credit for the business, XXXX XXXX, XXXX. The loan terms came to an end and XXXX XXXX refused to take the loan payments which they returned to XXXX XXXX. All payments are structured contractually through their portal as an Electronic Funds Transfer payment monthly. I have no control over that. This is a clear violation of the Fair Credit Reporting Act. I never received any notification of any changes in their policy to start reporting business loans and activities on my personal credit. I was also never late as the payments were structured for EFT. I have sent 3 separate requests to Equifax, TransUnion and Experian. They have yet to remove these negative marks or send me proof of documentation as requested. All correspondence were sent certified mail.

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 2025-06-25 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: FL

Complaint narrative:
XXXX XXXX XXXX the business loans originated on behalf of XXXX XXXX XXXX. At the time of inception, the company stated they would not report to the 3 credit bureaus regarding personal credit for the business, XXXX XXXX, XXXX. The loan terms came to an end and XXXX XXXX refused to take the loan payments which they returned to XXXX XXXX. All payments are structured contractually through their portal as an Electronic Funds Transfer payment monthly. I have no control over that. This is a clear violation of the Fair Credit Reporting Act. I never received any notification of any changes in their policy to start reporting business loans and activities on my personal credit. I was also never late as the payments were structured for EFT. I have sent 3 separate requests to Equifax, TransUnion and Experian. They have yet to remove these negative marks or send me proof of documentation as requested. All correspondence were sent certified mail.

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 2025-06-25 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief