vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud

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 2025-09-22 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: OK

Complaint narrative:
I am a verified victim of human trafficking, debt bondage, and identity theft. Under 15 U.S.C. 1681c-3 ( FCRA 605C ) and 15 U.S.C. 1681c-2 ( FCRA 605B ), I am exercising my rights to demand that TransUnion block and permanently remove fraudulent information from my credit file. I have provided Certified Victim Determination Documentation, proof of identity, SSN, and current address as required by law.

Fraudulent Accounts to Block : Dept of EdXXXXXXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX {$23000.00} Dept of EdXXXX XXXXXXXX XXXX XXXX XXXX XXXX {$22000.00} Dept of EdXXXX XXXXXXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$25000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$49000.00} Hard Inquiry to Remove : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Addresses to Delete : XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX Phone Numbers to Delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Employer to Delete : XXXX  These items were added to my file through fraud, coercion, and identity theft. They are not my accounts, addresses, employers, or inquiries. I am demanding full compliance with FCRA 605B and 605C, requiring TransUnion to block and permanently remove all of the above information, correct my file, and prevent reinsertion unless all statutory requirements are met.

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 2025-09-22 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance : {$850.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX,, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Hello, Ive been unemployed for a year or so and have no income in my account. My mother occasionally transfers me money to try to keep me afloat. She has a Chase savings account, not a Chase checking account, so she accesses mine consensually. We keep trying to avoid the monthly fees but to no avail. I DO apply to jobs but havent been successful. I already talked to my bank before and let them know my situation but they didnt do anything about it. I still get {$12.00} taken out of my account monthly. Until now. I had NO idea the fee increased to {$15.00}. When I saw {$15.00} was taken from my account, I was floored. I know it may not seem much to working people, but I have no money to my name, especially after I had to use all of my savings to try to get my dog care but was told he needed to be put to sleep. And I already keep trying to find work {$15.00} is A LOT. Every penny counts I was not officially nor properly informed of the increase to {$15.00}. I also wasnt informed last year officially when or why they were charging me $ XXXX  monthly fees until I tried talking to the bank before.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: AZ

Complaint narrative:
In XXXX or XX/XX/XXXX, I paid a debt of XXXX to a debt collector at Harris and Harris Fast forward to XX/XX/XXXXXXXX  it is still on my credit. I called three times got hung up on three times finally got in touch with somebody in medical told me that they could not help me out that I would have to reach out to the credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXXXXXX XXXXXX/XX/year> Dispute and Demand for Investigation Due to Data Breach Exposure To Whom It May Concern, I am writing to formally dispute and demand immediate action regarding the exposure of my personal and financial information in connection with data breaches involving Experian, TransUnion, and Equifax. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.1681 to have my personal information protected, reported accurately, and handled with the highest standard of security. 
Due to these breaches, my sensitive informationincluding but not limited to Social Security number, date of birth, and financial account detailshas been placed at risk of fraud, identity theft, and other misuse. This constitutes a direct violation of your legal responsibility to safeguard consumer data. 
Accordingly, I am demanding : 1. A full investigation into the handling and exposure of my personal information.

2. Written confirmation of what information of mine was exposed.

3. Immediate placement of fraud alerts and security freezes on my credit file at no cost to me.

4. Documentation of any unauthorized accounts, inquiries, or transactions connected to my information, and removal of any such inaccuracies.

5. A clear outline of the remedial steps your company will take to prevent further breaches. 
Please treat this letter as a formal dispute under the FCRA, 15 U.S.C. 1681i. I request a written response within the statutory time period of 30 days. Failure to comply will leave me no choice but to pursue remedies available under federal law, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

I expect acknowledgment of this dispute in writing, along with the results of your investigation and the corrective measures taken. 

Sincerely, 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 2025-09-22 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 am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which is a violation of FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : [ XXXX XXXX ] [ XX/XX/year> ] [ XXXX XXXX ] [ XX/XX/year> ] [ XXXX ] [ XX/XX/year> ] [ XXXX ] XXXX XX/XX/year> ]

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 2025-09-22 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I would like for Wells Fargo to address the issues below : The CFPB Consent Order issued against Wells Fargo in XXXX for the unauthorized account scandal cites violations of specific sections of the Code of Federal Regula

tions ( CFR ) and federal law. Here are the key regulatory provisions Wells Fargo was found to have violated : Specific CFR and Legal Violations : Consumer Financial Protection Act of 2010 ( CFPA ) 12 U.S.C. 5531 : Prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ) in connection with consumer financial products or services. 12 U.S.C. 5565 : Grants the CFPB authority to impose penalties and reme
dies for violations.

Regulation E Electronic Fund Transfers ( 12 CFR Part 1005 ) Violations occurred when Wells Fargo transferred funds between accounts without consumer authorization, which is prohibited under Regulation E.

Regulation Z Truth in Lending Act ( 12 CFR Part 1026 ) Applicable to unauthorized credit card accounts opened without consumer consent, violating disclosure and authorization requirements.

Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) Wells Fargo furnished inaccurate information to credit reporting agencies about unauthorized accounts, violating FCRA provisions.

These violations were part of a broader pattern of misconduct incentivized by aggressive sales goals and inadequate oversight.

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 2025-09-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: GA

Complaint narrative:
When I went and disputed fraudulent accounts on my credit report, I never got a proper investigation. These accounts are negatively impacting me by still being on my report. The only thing that I received was a letter stating that I didn't provide enough information for them to do an investigation. I will upload everything that I sent to all three credit bureaus. The fraudulent accounts are : XXXX XXXX  ( {$0.00} ), XXXX  ( {$2700.00} ), XXXX XXXX ( {$0.00} ), XXXX XXXX  ( {$0.00} ). The credit bureaus violate 15 USC 1681i and 15 USC 1681 ( e ) ( b ) by not looking into my dispute and investigating like they should.

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 2025-09-22 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: GA

Complaint narrative:
When I went and disputed fraudulent accounts on my credit report, I never got a proper investigation. These accounts are negatively impacting me by still being on my report. The only thing that I received was a letter stating that I didn't provide enough information for them to do an investigation. I will upload everything that I sent to all three credit bureaus. The fraudulent accounts are : XXXX XXXX  ( {$0.00} ), XXXX  ( {$2700.00} ), XXXX XXXX ( {$0.00} ), XXXX XXXX  ( {$0.00} ). The credit bureaus violate 15 USC 1681i and 15 USC 1681 ( e ) ( b ) by not looking into my dispute and investigating like they should.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I deposited an inheritance check in XXXX for {$5000.00}. My checkings and savings were restricted at the time and I had to call to get my accounts unrestricted. Only the checkings account was unrestricted and Ive had problems getting my savings account fixed ever since. Ive been to the branch 5 times and have called over 15 times and no one can help. I cant transfer money myself, money gets transferred automatically between and gets lost where i cant see where it is, Ive had 2 credit cards closed because payments got reversed from this issue. I cant even close my savings account or take the money out.

Company response to consumer: Closed with explanation