vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: PA

Complaint narrative:
XXXX contacting you regarding an item on my credit report that is flat-out inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). The information being reported does not meet the standard of maximum possible accuracy, as required by federal law, and for that reason, XXXX demanding that it be removed from my credit report immediately. 

Let me be very clear if youre reporting information under my name, it needs to be 100 % correct and fully verifiable. This item falls short of that, and keeping it on my report is not just negligent, its unlawful. You dont get to sort of follow the FCRA XXXX either meet the legal standard or you don't, and in this case, you clearly dont.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
I submitted a money transfer via Western Union through XXXX XXXXXXXX XXXX, and despite submitting all required documents promptly, the transfer was delayed for XXXX days without justification. 

I provided my XXXX ID multiple times and received no explanation for the delay. I had to send multiple follow-up emails to both XXXX XXXXXXXX and Western Union , most of which went unanswered or were deflected. Their final response failed to address key questions, including why the verification process took nearly XXXX weeks. 

This unacceptable delay caused significant stress and financial anxiety. XXXX XXXXXXXX XXXX acted as the verifying partner on behalf of Western Union and failed in their service obligations, communication, and professionalism.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Equifax Information Services XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint against Equifax for illegally reporting a bankruptcy on my credit report that is inaccurate, unverifiable, and was never authorized by me. This is a continuation of a prior complaint ( ID # XXXX ), which Equifax failed to resolve. 

Despite claiming they " can not locate my credit file, '' they continue to report new account data as recently as XX/XX/XXXX, which contradicts their response and proves they do, in fact, have and are actively managing my file. 

I have formally disputed the bankruptcy entry, and Equifax failed to provide documentation verifying its accuracy, nor did they provide evidence of a reinvestigation or written consent for reporting the bankruptcy at all. 

This violates multiple federal laws, including : Violations of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) They are reporting inaccurate, unverified information without maintaining procedures to ensure maximum accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Equifax failed to conduct a lawful reinvestigation and did not provide supporting documentation when challenged.

15 U.S.C. 1681b ( a ) They are reporting bankruptcy information without permissible purpose or my consent.

15 U.S.C. 1681n and 1681o Their willful and negligent noncompliance with FCRA makes them liable for damages. 



Violations of the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ) Equifax disclosed and continues to publish my private financial information ( alleged bankruptcy ) without proper legal basis or authorization.

Violation of Bankruptcy Privacy Rules ( Rule 9037, XXXX  ) If the bankruptcy was obtained from public records, it must comply with redaction and privacy rules. Reporting unverifiable data that does not originate from a verified public source violates Rule 9037 protections.

Relevant Case Law Supporting My Position : XXXX XXXX XXXX CRAs must perform meaningful investigations, not just rely on furnishers. 

XXXX XXXX XXXX CRAs are liable for inaccurate reporting. 

XXXXXXXX XXXX XXXXXXXX Credit CRAs must verify and ensure data integrity. 



What I Am Requesting : 1. Immediate removal of all inaccurate/unverified bankruptcy information from my Equifax credit report.

2. Written documentation of the method of investigation and the party who verified the bankruptcy.

3. Proof that I gave written consent to report or obtain this bankruptcy data. 




Damages and Legal Action Because Equifax has failed to comply after being notified, I am now demanding {$1000.00} in statutory damages under 15 U.S.C. 1681n for willful FCRA violations. I intend to pursue immediate legal action and submit complaints to the FTC and my State Attorney General.

I urge the CFPB to investigate this continued abuse of consumer rights and compel Equifax to fully remove the unverifiable bankruptcy and compensate me for the ongoing violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a formal dispute regarding the Bankruptcy you are reporting on my consumer file. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) and 1681i ( a ), you are required to ensure maximum accuracy and to fully verify any disputed item. Additionally, under UCC 3-501, I am demanding presentment of the original contract and any source documentation used to verify this public record. The court does not report consumer information to XXXX or any consumer reporting agencies. Therefore, unless you have firsthand documentation or the original furnishing party, you are in violation of federal law by continuing to report unverified and inaccurate public record data. I am requesting : A copy of the original source used to verify this bankruptcy The method and party used to obtain and verify this information If you can not provide verifiable, documented proof, you are required by law to delete this item from my file immediately under FCRA 1681i ( a ) ( 5 ) ( A ). XXXX  XXXX Bankruptcy XXXX XXXX TU

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 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received an offer from Chase travel on XX/XX/XXXX with the subject " Our biggest travel offer of the year is still waiting '', which says chase will award me XXXX points if I book a stay from XX/XX/XXXX to XX/XX/XXXX spending more than {$500.00} with Chase travel. The bonus will be awarded up to XXXX weeks after I complete me travel. I booked the trip on XX/XX/XXXX for a stay from XXXX XXXX, XXXX - XXXX XXXX, XXXX. The charge of {$850.00} was posted on my chase XXXX  XXXX account on XX/XX/XXXX. The travel has completed and more than XXXX weeks have passed, yet I still did not receive the bonus points of XXXX as promised. I've called chase many many times and more than XXXX representatives verified that I successfully activated the offer and am eligible to receive the points. It's only a matter of time for the back-end to add the points to my account. I followed up again and again, and filed inquiry case / escalation case to request the points I should have received. But chase has done nothing other than verifying my account information with me and asked me to wait. More funny, Chase asked me to provide the receipt of the stay even I booked the travel with chase. This is a fraud. I would not have booked the travel using chase travel at all had i not received this bonus offer. And chase, if you don't have the capability to internally coordinate and validate such information, please do not send such an offer to your customers any more. 
I have attached the offer I received, my receipt of booking and my bank statement confirming the payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: TX

Complaint narrative:
I do not nor have I ever had an account with XXXX XXXX XXXX, account ending in XXXX. I have asked numerous times for them to delete this fake and false incorrect account off of my credit report as it is NOT mine and they refuse and have not provided any original documentation or live signatures to prove otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$320.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} INQUIRIES : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX  Date : XX/XX/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 2025-07-02 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: TN

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

ACCOUNTS : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XX/XX/year> - {$65.00}

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 2025-07-02 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: WA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I ordered checks from Wells Fargo from XXXX. It was XXXX checks for {$30.00} when I reordered only XXXX checks came for {$30.00}. I called XXXX and was told Wells Fargo sets the price and now they could only send XXXX at a time and the price was still the same. XXXX cents a check? There was no notification when I re-ordered that it would be XXXX vs. XXXX. 

It is a new profit center for the bank and it is usurer in cost as most will not look to shop outside what the bank says. This is deceitful and terrible that the bank can make checks a huge profit center.

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 2025-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and W2.

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 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX sale from XXXX XXXX the amount of {$4600.00} approved in error. 

XX/XX/XXXX- XXXX to XXXX to cancel transaction. 
XX/XX/XXXX - XXXX marked transaction payment as canceled- placed account as payment due. 



On or around XX/XX/XXXX no return of funds in Chase account- initiated dispute as unauthorized transaction ( chase temp credit to account ) XX/XX/XXXX XXXX reversed credit- statement from rep was " you auth payment and didn't dispute all XXXX transactions XXXX - Explained situation, provided evidence that XXXX still XXXX outstanding balance for transaction, explained no service or merchandise received, explained transaction was canceled. Explained i authorized XXXX account but did not authorize XXXX to initiate debit transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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 letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: CA

Complaint narrative:
I am filing this complaint to address an incorrect date of birth that TransUnion is currently reporting on my credit file. As of my most recent review, TransUnion is listing my date of birth as XX/XX/XXXX. This is incorrect and misleading. My actual and only date of birth is XX/XX/XXXX. This may seem like a small clerical error, but in the world of credit reporting, a single-digit difference can be extremely consequential. 

I have taken great care to ensure that all of my personal identifying information is consistent and accurate across every financial document, including my government-issued ID, which clearly reflects my correct birth year of XXXX. Ive already uploaded updated identification through the proper dispute channels, but despite my efforts, this outdated and erroneous information continues to appear. 

Having the wrong birth year on my file creates a cascade of problemsfrom mismatches in applications to verification issues and even suspicion of identity errors. It is exhausting and unfair that I must keep pushing for something so fundamental to be corrected, especially when Ive already provided sufficient documentation to prove the truth. 

Under the Fair Credit Reporting Act ( FCRA ), TransUnion has a legal obligation under 15 U.S.C. 1681e ( b ) to maintain accurate and up-to-date personal data on consumer reports. TransUnion also must correct or delete any unverifiable or erroneous data once a proper dispute is filed, pursuant to 15 U.S.C. 1681i. Continuing to report the wrong birth year after documentation has been submitted violates both of these provisions.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Good day. The errors reported on my credit file are creating serious problems across all areas of my life. Despite multiple requests, these inaccuracies remain unaddressed, which is both frustrating and unacceptable. Your continued disregard for my concerns is a clear violation of my rights as a consumer.

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 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge 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: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
American Express advertises a " digital entertainment credit '' with their American Express XXXX card. One of the digital services included in the benefit is with the XXXX service. I signed up for the XXXX service. When the charge hits the credit card, it shows as " XXXX '' from XXXX. When I called American Express about the issue, the representative told me to " call XXXX. '' This is their issue, not mine. They should rectify their billing issues, not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: FL

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