vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello upon checking my experian and quits as well as my XXXX XXXX accounts I noticed fraudulent accounts account XXXX account XXXX account XXXX account XXXX account XXXX account XXXX account XXXX account XXXX account number XXXX account XXXX account XXXX I contacted all theses account holders and told them these accounts are fraudulent REMOVE THIS COLLECTION IMMEDIATELY, 15 USC 1681a 2B, Any other purpose authorized under section 1681b of this title. ( 2 ) Exclusion-Except as provided in paragraphs ( 3 ) the term consumer reports does not include ( A ) subject to section 1681-3 of this title, any ( I ) report containing information solely as to transactions or experiences between consumer and the person making the report ; Communications of that information among persons related by common ownership or affiliated by corporate. The information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information NOT be communicated among such persons ; ( B ) ANY AUTHORIZATION OR APPROVAL OF A SPECIFIC EXTENSION OF CREDIT DIRECTLY OR INDIRECTLY TO A CONSUMER CONVEYS HIS OR HER DECISION SUCH NOTICE MAY BE GIVEN TO A CARDHOLDER, BY PRINTING THE NOTICE ON ANY CREDIT CARD, OR ON EACH PERIODIC STATEMENT OF ACCOUNT, ISSUED TO THE CARDHOLDER, OR BY ANY OTHER MEANS REASONABLY ASSURING THE RECEIPT THEREFORE BY THE CARDHOLDER. ( I ) THE TERM CREDIT CARD MEANS ANY CARD!! PLATE, COUPON BOOK OR OTHER CREDIT DEVICE EXISTING FOR THE PURPOSE OF OBTAINING MONEY, PROPERTY, LABOR OR SERVICES ON CREDIT. THE TERM ACCEPTED CREDIT CARD MEANS AND CREDIT CARD WHICH THE CARDHOLDER HAS REQUESTED AND RECEIVED OR HAS SIGNED OR HAS USED OR AUTHORIZED ANOTHER TO USE, FOR THE PURPOSE OF OBTAINING MONEY, PROPERTY, LABOR OR SERVICES. THEN YOU WILL NOTICE THAT YOUR SOCIAL SECURITY CARD AND ID/DRIVERS LICENSES ARE CREDIT CARDS AND CONGRESS JUST STATED ABOVE THAT ANY AUTHORIZATIONS OR APPROVALS THAT CAME FROM YOUR CREDIT CARD SHOULD NOT BE INCLUDED IN A CONSUMER 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 2025-04-24 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: MS

Complaint narrative:
The Credit bureaus continue to report fraudulent information on my credit profile even though have sent police reports and an Identity Theft Affidavit. I requested all documents used to open the fraudulent accounts and I have received nothing, nor has any action been taken

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 2025-04-24 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: MS

Complaint narrative:
The Credit bureaus continue to report fraudulent information on my credit profile even though have sent police reports and an Identity Theft Affidavit. I requested all documents used to open the fraudulent accounts and I have received nothing, nor has any action been taken

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 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: OH

Complaint narrative:
Back in XXXX of this year there multiple transactions on my account from the company cash app that were unauthorized. These transactions were not done by me but by someone who created a cash app and put my debit card information on their account and withdrew thousands of dollars from my account. I filed a dispute with my bank as soon as I noticed these transactions. A couple days later I was told by the bank to come open a new account because they felt my account had been compromised. I went in and opened a new account the same day. A couple days after that I was told my dispute was denied without reason. I asked that my dispute be escalated and a reason be provided as to why my dispute was denied. After this escalation they new account they told me to come open was closed in addition to my old account. When I called to ask why this happened I was told that I couldnt be given any information and that the escalation of my dispute was also denied again. When I asked why I was simply told that due to a pattern of how the money was being taken out my account is why is was denied. That makes no sense, if someone was stealing money from my account and it can clearly be seen its not me or from my personal cash app account how does the pattern they took the money cause my claim to be denied and my money not refunded. I feel as though US bank is blaming me and nicely trying to insinuate that I had something to do with my money being stolen. I had not used cash app in months due to my account being closed and never saw these transactions occurring, I was never sent any type of alert or anything, I reported this as soon as I found out. They refuse to give me any other reason or explanation than that of why my claim is denied. They refuse to explain why they had me open a new account and told me my funds would be transferred over just to actually close both accounts. They refuse to give me any documentation as to the investigation or how they came to the conclusion to blame me for my own money being stolen and they are refusing to refund my money. And now after 3 months of trying to figure this out they are refusing to talk to me because I dont have an account with them. Which is because they close them all. IS bank is committing fraud against me worse than the criminals who stole from my 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 explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Request to obatyin full version of validation of a debit JPMCB CARD claims I owe. I dispute the accuracy and legitimacy of the alleged debt and request your assistance in compelling the company to meet it's obligations under federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
MY CAR WAS BROKEN INTO AROUND XXXX OF 2019 AND MY IDENTITY WAS STOLEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-04-24 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: TX

Complaint narrative:
TransUnion is reporting inaccurate and damaging late payment remarks on multiple accounts where the past due amount is listed as {$0.00}, which proves there is no valid delinquency. These accounts include : XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items have either been paid, closed, or never late, yet TransUnion continues to report inaccurate late payments, violating 15 USC 1681e ( b ) and 1681i ( a ) by failing to ensure maximum possible accuracy and by refusing to properly investigate. These derogatory remarks must be deleted immediately to comply with federal 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 non-monetary relief
Consumer complaint received 2025-04-24 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 asking for your assistance in looking into accounts from companies that have incorrectly reported late payments. After reviewing my credit report, I found some accounts showing late payments that are not accurate. These accounts should not have any such remarks. Please remove these errors and update the accounts to show a positive status as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
These inquires are unauthorized and are on my credit report XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX  XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am following up on this complaint to ensure that the suspicious and potentially inaccurate information on my credit report is properly investigated and corrected. As outlined under the Fair Credit Reporting Act ( FCRA ), specifically Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the credit reporting agencies are required to provide verification of the accounts in question and to investigate any disputed information. 
XXXX XXXX XXXX XXXX * * * * Balance : {$0.00}

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 2025-04-24 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.

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-04-24 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 need your help investigating several accounts that have been wrongly marked with late payments by certain companies. I checked my credit report and saw inaccurate late payment entries on specific accounts. These should not be there. I request that you delete those remarks and update the accounts to reflect paid as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens 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 explanation
Consumer complaint received 2025-04-24 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: WI

Complaint narrative:
This complaint addresses the charge-offs listed on my Equifax credit report, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts are inaccurate and were likely caused by a data breach or unauthorized activity. Their continued presence on my credit file violates 15 U.S.C. 1681e ( b ) ( accuracy requirement ) and 15 U.S.C. 1681i ( duty to conduct a proper investigation ). These accounts are unverifiable and should not be on my report. The failure to correct this issue promptly and remove these charge-offs amounts to willful noncompliance under 15 U.S.C. 1681n. I demand the immediate removal of these accounts, or I will pursue legal action and escalate this to the appropriate regulatory agencies, including the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft and have alerted the companies/credit burueas and nothing have happened/changed yet. it's alot of fraudulent accounts/activity reported on my credit. I filed a FTC report, and I request that my report investigated immediately and all inaccurate information be removed.

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft and have alerted the companies/credit burueas and nothing have happened/changed yet. it's alot of fraudulent accounts/activity reported on my credit. I filed a FTC report, and I request that my report investigated immediately and all inaccurate information be removed.

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 2025-04-24 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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:
Subject : Final Notice FCRA Violation by Equifax / Failure to Remove Fraudulent Account This letter serves as a final notice regarding Equifaxs continued failure to comply with the Fair Credit Reporting Act ( FCRA ) in connection with your mishandling of my identity theft dispute. Despite my submission of all required documentation, including FTC Identity Theft Affidavit # XXXX, Equifax has failed to take the necessary steps to investigate and remove the fraudulent information from my credit report as required by federal law. 

To date, I have submitted three separate complaints to the Consumer Financial Protection Bureau ( CFPB ) due to Equifaxs noncompliance : CFPB Complaint # XXXX, submitted on XX/XX/XXXX CFPB Complaint # XXXX, submitted on XX/XX/XXXX CFPB Complaint # XXXX, submitted on XX/XX/XXXX Despite these formal actions, Equifax has not fulfilled its obligations under FCRA 605B, which mandates the deletion of information confirmed to be the result of identity theft upon proper documentation. Furthermore, Equifax has failed to disclose the method of its investigation, in violation of FCRA 611 ( 15 U.S.C. 1681i ).

Equifaxs ongoing refusal to remove the fraudulent data under the pretense of internal policy directly contradicts federal law. Once identity theft has been substantiated, the FCRA is clearsuch information must be deleted. The account in question, which includes derogatory remarks such as late payments and collections, is the product of identity theft and is supported by a filed FTC criminal complaint and additional evidence. 

I am formally demanding the immediate deletion of the following fraudulent account from my Equifax credit report : XXXX Opened on XX/XX/XXXX Account No. XXXX * * * * Equifax is hereby given four ( 4 ) business days from the date of receipt of this notice to comply. If no action is taken within this timeframe, I will escalate the matter further through additional enforcement with the Consumer Financial Protection Bureau, report continued violations to the Federal Trade Commission, and pursue civil litigation for damages as provided under the FCRAo

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: CashRepublic Holdings, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft and have alerted the companies/credit bureaus and nothing have happened/changed yet. it's alot of fraudulent accounts/activity reported on my credit. I filed a FTC report, and I request that my report investigated immediately and all inaccurate information be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EGL US, LLC
State: FL

Complaint narrative:
BMG money has Inaccurate information on my credit report they have XXXX different balances and different dates XX/XX/XXXX Closed written off {$3600.00} the XX/XX/XXXX Paid Closed written off {$4500.00} how can that be

Company response to consumer: Closed with explanation