vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 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: NJ

Complaint narrative:
I disputed my information with TransUnion on XXXX2025. I also followed up with more requests to correct my personal information. The following credit files are not mine and need to removed immediately. I've been offered no corrections to this fictitious information that they have on my report. I don't believe that they are following the law. I want the false information removed as soon as possible. This information is spoiling my credit worthiness. 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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
In XX/XX/year>2021, I paid {$1000.00} toward a charged-off Chase credit card account with a balance of approximately {$1800.00}. I made this payment based on a phone call with a Chase representative, who told me that if I made the payment, the account would be deleted from my credit report. 

I acted in good faith and made the payment, expecting the account to be removed. However, Chase instead reported the account as a charge-off, which continues to significantly harm my credit report. I have since learned that the account was never deleted as verbally promised. 

I do not have a recording of the call, but I made the payment solely because of the representatives assurance that the account would be removed. I believe this qualifies as misleading communication and unfair credit reporting, especially considering that I fulfilled my part of the agreement. 

I contacted Chase to resolve this and sent a goodwill deletion letter explaining the situation, but the account remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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:
Transunion Consumer Name : XXXX XXXX Consumer SSN : XXXX Consumer DOB : XX/XX/XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : FRAUDULENT INQUIRIES : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( REMOVE IMMEDIATELY ). These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Experian Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX Attached below are supporting documents -A Letter formally detailing the information of my dispute and stating consumer laws -A Fraud Affidavit -Copy of US Issued ID ( Proof of Identity ) -Copy of SSN -FTC ( Federal Trade Commission ) Identity Theft 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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Remove all reinserted accounts, negative accounts, unverified accounts, and remove all fraudulent 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
Consumer complaint received 2025-05-17 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:
Remove all reinserted accounts, negative accounts, unverified accounts, and remove all fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Ive requested this on multiple occasions as you can see records of just on the CFPB website. But most recently I submitted a request with CFPB on XXXX25 requesting the removal of negative items on my credit report as they have been consistently been reported as verified to be true following multiple disputes with Equifax and Experian with NO investigation results and its now been 57 days since my most recent request. I have disputed a collection account requesting the investigation results that verified it as true to be my debt and a bankruptcy with the same results that has since been removed by all credit reports EXCEPT Experian. Experian continues to refuse to remove a name that is not mine after Ive provide my license, Social Security and electricity bill. All I continue to get from both Experian and Equifax is a statement requesting that I send specific information on what Im dispute after I submit my complaints with CFPB. Ive submitted my dispute with both Experian and Equifax directly for these two negative items repeatedly requesting they be removed, they continue to verify the debt, Ive requested the I have requested : Original Creditor Information, Debt Validation, Proof of Authority, Itemization of Fees, Age of the Debt, Amount Owed, and proof of my signature on original contract. Proof of the steps taken when investigating, Ive waited more than 21 days, per the law these items now have to be removed from my credit report as they have not provided this information. Please make Experian and Equifax honor the law and remove the collection from my credit report with Equifax and the same collection account along with the bankruptcy from Experian Credit report. Im sure the CFPB would like to stop receiving complaints about these same issues from me regarding Equifax and Experian not following proper investigatory protocols as well. Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: PA

Complaint narrative:
XX/XX/XXXX2025 TransUnion Consumer Relations XXXX. XXXX XXXX XXXX, PA XXXX Subject : Unauthorized Hard Inquiry Dispute To the whom it may concern, I am writing to formally dispute an unauthorized hard inquiry listed on my credit report under my name. I recently obtained a copy of my credit report and noticed an inquiry from [ XXXX XXXX or Company Name ] dated [ Insert Date of Inquiry ] that I do not recognize and did not authorize. 

According to the Fair Credit Reporting Act ( FCRA ), a company must have my written authorization before pulling a hard inquiry on my credit. I am requesting that this inquiry be removed from my credit report immediately, as it was not authorized by me. 

Please investigate this matter and provide written confirmation that the inquiry has been removed. Enclosed are copies of my government-issued ID and a recent utility bill to verify my identity and address. 

If you find that the inquiry was made without proper authorization, I expect it to be deleted promptly. Please notify me in writing of the results of your investigation at the address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely,

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), I am writing to formally dispute the presence of certain accounts on my credit report that have violated my federally protected consumer rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681.

The accounts listed below have infringed upon the following provisions : 15 U.S.C. 1681 Section 602 ( a ) Establishes that every consumer has a right to privacy and the confidentiality of their personal and credit information.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) States that a consumer reporting agency may not furnish a consumer report without the consumers written instruction or authorization.

15 U.S.C. 1681c ( a ) ( 5 ) Specifies that no consumer reporting agency may include in a report any adverse information, other than records of criminal convictions, that predates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prohibits any person from furnishing information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. 

Based on these provisions, I am requesting the immediate deletion of the following unauthorized and/or outdated inquiries : Delete the following inquiries : XXXX XXXXXXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
b'Home Depot credit Services received a payment  of $XXXX  on XXXX that was applied to my Home Depot credit account #  XXXX XXXX XXXX XXXX. I contacted HDCS  on XXXX and requested a refund of the net balance of $XXXX. I have made subsequent  request via phone and as of today XXXX HDCS as not refunded the credit balance as reqjuested.'

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 monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this dispute to Transunion and Experian because an account from XXXX XXXX XXXX, with the partial account number XXXX, has reappeared on my credit report after it was previously removed. 
This account had already been properly deleted, but it was recently marked as " updated '' and re-added to my credit file, which is negatively affecting my credit score. 
I am requesting an immediate investigation and the permanent removal of this account from my report, as its reappearance is incorrect and unauthorized.

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 2025-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Business & Professional Collection Service Inc
State: CA

Complaint narrative:
I am writing to formally file a complaint regarding a fraudulent collection account reported by Business & Professional Collection Service ( or XXXX XXXX XXXX XXXX XXXX ) that has been listed under my name and credit profile. 

I have no knowledge of this account and have never resided at the address ( es ) associated with this debt. After reviewing my credit report, I discovered that this account appears to be the result of identity theft.

I have already notified the collection agency about the issue and have disputed the account with the credit reporting agencies. Despite this, the account remains and is adversely affecting my credit profile and causing undue stress.

I respectfully request the CFPB to : Investigate this matter with Business & Professional Collection Service.

Require them to validate the debt with legitimate documentation proving I am responsible for the account.

Ensure the fraudulent account is removed from my credit report if it can not be verified.

Take appropriate action to prevent further damage to my credit due to this identity theft.

I appreciate your attention to this matter and your assistance in helping to correct this fraudulent issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
WELLS FARGO Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

The following account was incorrectly reported on 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 2025-05-17 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and found I have fraudulent accounts on my report. 
Please remove these accounts from my report, they are hurting my ability to obtain credit

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 2025-05-17 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: GA

Complaint narrative:
A collections account was added to my experian credit report that did not belong to me. I attempted to dispute with experian several times but have been unsuccesful. I disputed the same account with the other two credit bureaus and had no problem removing 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 explanation
Consumer complaint received 2025-05-17 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: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
Requested the mistake be removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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:
Recently I looked a copy of my credit report and noticed several inaccuracies in my report. This accounts are hurting my ability to obtain new credit. It is my understanding that you will investigate this items to ensure accuracy. 
The items are the ones I'm asking you to verify as accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
After being with Navy Federal Credit Union, they are harassing me, saying my account was created fraudulently. I have given them all the information they requested. For a full week, I wasn't able to access the funds that I worked for. until yesterday, XX/XX/2025. Now, come today, XX/XX/ 2025, my account is locked again because they believe my account was created fraudulently. I have informed them I am the grandchild of a veteran, which, in their policy, i am eligible for benefits with them. Their policy clearly states my eligibility is valid, I was also told over the phone when I called to have my account set up that I qualified for membership. I believe this is due to XXXX profiling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : FICO Score Based on Inaccurate Credit History from Equifax Complaint : I contacted Equifax and confirmed that my credit history spans over 10 years. They verified the accurate reporting on their end, including providing the account number of the card reflecting this history, and confirmed that they have reported this information to all appropriate parties, including third-party data processors.

However, when I contacted FICO, they informed me that they are only seeing 5 years of credit history from Equifax, which is inaccurate. This discrepancy is negatively impacting my credit score and does not reflect my true credit profile.

Ive attempted to resolve this directly with both Equifax and FICO. Equifax confirms they are accurately reporting, and FICO insists they only see 5 years resulting in a deadlock. I am now filing this complaint so the CFPB can facilitate an investigation and resolution.

Requested Action : I am requesting that the CFPB direct FICO to verify the data they are receiving from Equifax and ensure it reflects my full and correct credit history of over 10 years. I also request that any scoring or credit decisions that used incorrect data be reviewed and corrected.

I will also provide supporting documentation from Equifax once it arrives in the mail, which should further confirm my position.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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:
They are reporting they have verifed information on my credit report which is not true because i have a credit freeze on 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 2025-05-17 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: KY

Complaint narrative:
The company did not complete a reasonable investigation into the dispute filed and did not provide me with the report from the dispute investigation as required in Law 15 USC 1681i. This has greatly impacted my ability to secure and obtain credit.

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 2025-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX is not crediting acct!! Because of fraud! 
Not ordering chargeback!! 

And so lawsuit will be filed! 

XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.

Complaint narrative:
This debt was a result of obtaining an insurance quote for my home. I have called XXXX XXXX regarding the amount and explained the situation, I also sent the required information showing I had insurance with another carrier and did not need their coverage I was simply obtaining a quote. This should never have been sent to collections and should never have been charged in the first place

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: KY

Complaint narrative:
The company did not complete a reasonable investigation into the dispute filed and did not provide me with the report from the dispute investigation as required in Law 15 USC 1681i. This has greatly impacted my ability to secure and obtain credit.

Company response to consumer: Closed with explanation