vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 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: MD

Complaint narrative:
I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX  : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00} Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} Account Name : XXXX/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$440.00} Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$350.00} INQUIRIES : XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

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 2025-05-31 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:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX DEPT OF ED-XXXX Account Number : XXXX DEPT OF ED-XXXX Account Number : 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 2025-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I tried to cancel my gym membership for XXXX XXXX in XXXXXXXX XXXX XXXX, but they still charge my account twice a month. I tried calling my bank and they give me another number to call, but they never answer. I tried talking to XXXX XXXX but they said I was not in their system, but money keeps being withdrawn.

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 2025-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: CA

Complaint narrative:
Company : Discover Financial Services Product : Credit Card Issue : Fraud or scam Dates of Problem : XX/XX/year>, and XX/XX/year> Amount in Dispute : {$3600.00} What happened : My Discover credit card was stolen, and unauthorized charges totaling {$3600.00} were made on XX/XX/year>, and XX/XX/year>, without my knowledge or consent. I reported the fraud to Discover and disputed the charges. 
However, Discover claims the transactions are not fraudulent and insists that I am responsible. One of their justifications is that I logged into my account on the same day the charges occurred. While this is true, there were no charges shown at the time I logged in I had no way of knowing fraudulent activity had taken place until later. 
Logging into my account does not mean I authorized or made the charges. I did not make these transactions, I did not approve them, and I did not benefit from them. Discovers reliance on that login as " proof '' is both inaccurate and unreasonable. 
I have fully cooperated with Discover 's fraud investigation and provided all requested information. Despite this, they continue to deny my claim and hold me financially responsible. 
This is a clear violation of my rights under the Fair Credit Billing Act ( FCBA ), which limits consumer liability for unauthorized charges and requires creditors to perform a fair and reasonable investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: MO

Complaint narrative:
Experian failed to verify a bankruptcy I disputed under FCRA 609 & 611. They will not verify with the court. This violates my privacy and is harming my credit access.

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 2025-05-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
During my mortgage application with Lakeview Loan Servicing, loan XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX ) repeatedly pressured me to disclose my familys country of origin, even after I had identified as XXXX on the application. I explained that this information was not required, but he continued to insist in a way that felt inappropriate and discriminatory. His tone was dismissive and made me feel uncomfortable. This behavior reflects a misunderstanding of HMDA requirements and fair lending laws. I am requesting that this incident be investigated and that proper corrective action and training be implemented.

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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 explanation
Consumer complaint received 2025-05-31 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Subject : Urgent Request for Removal of Closed Account from Credit Report Dear XXXX Credit Bureau Name ], I hope this message finds you well. My name is XXXX XXXX, and I am reaching out to formally request the immediate removal of a closed account from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX ( a ). 

The account in question is as follows : - XXXX XXXX : XXXX - XXXX XXXX XXXX XXXX XXXX : XXXX - XXXX XXXX : XXXX - XXXX XXXX : XXXX - XXXX XXXXXXXX XXXX : XXXX I have carefully reviewed my credit report and found that this account has been marked as closed since [ Date Closed ]. Under the FCRA, it is essential that credit reporting agencies maintain accurate and current information. The presence of this outdated account is not only misleading but also adversely affects my creditworthiness. 

I kindly urge you to take prompt action to remove this closed account from my credit report. I have attached supporting documentation, including [ any relevant documents such as account statements or proof of payment ], which substantiate my request for its removal. 

According to the FCRA, you are required to respond to this request within XXXX days. If you need any further information or documentation to expedite this process, please do not hesitate to reach out to me at [ XXXX ]. 

Thank you for your immediate attention to this urgent matter. I look forward to your swift response and the resolution of this issue. 

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 2025-05-31 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 have let these companies know that these accounts are identity theft and they have not removed them yet please remove these accounts they are not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: VA

Complaint narrative:
I hereby formally state that Experian has engaged in continued willful and negligent noncompliance by failing to provide me with proof of the original contract bearing my signature for the accounts I have repeatedly disputed. Despite multiple disputes, Experian has continued to report these accounts as verified as accurate without providing the underlying documentation I requested. Despite multiple attempts to resolve these matters through the formal dispute process, you have continued to report these accounts as " verified '' without providing me with the original contracts bearing my signature or the method of verification, as required under Se

ction 611 ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). Under Section 611 ( a ) ( 5 ) ( A ), you
are required to promptly delete any information that can not be verified. Your ongoing reporting of unverifiable information constitutes willful and negligent noncompliance under Sections 616 and 617 of the FCRA, which entitles me to pursue statutory damages, actual damages, legal costs, and attorney 's fees.

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 2025-05-31 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: WI

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

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 2025-05-31 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: WI

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

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 2025-05-31 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 RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-31 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-31 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: MD

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I do not know of these accounts I need proof that I owned these accounts. I need a contract signed by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank had closed my whole online banking account. I was a loyal customer for many years and have never made a late payment. I am a XXXX XXXX - but has always paid my credit card debt. 

Chase violated multiple consumer protection laws : 1. ) Allowing clients to overdraw their accounts consistently and go over limit as long as they were collecting the money 2. ) Multiple attempts to have them restrict my limit to XXXX USD a XXXX but they never did, because the more money you lose the more interest they collect. ( you can not cash advance all your credit a XXXX  but you can online? ) Unfair banking practices that are praying on people struggling with this XXXX and its only going to get worse with all these XXXX XXXX out there. 

When Chase closed my accounts, I did not have any visibility into my statements, there was an instance where the game had a malfunction. Which i have documented very clearly and sent over to Chase. They never considered investigating this case because I was behind on my payments, even though I had all the evidence to prove that the monetary 'currency ' was real but the site had changed it to their 'fake currency '. 

In my conversation with the support team ; originally I had played with the 'fake currency ' but it actually credited my real currency, they didn't honor that and said i played with the real currency. However, the following week when I had played with my XXXX XXXX ' they said there was a malfunction and should have been the XXXX XXXX ' which has no monetary value. 

I have asked for logs which the vendor could not prove or show and clearly is a malfunction that costed me a significant amount of money hence i was not able to pay my cards down. 

Given Chase 's violation of the fair credit reporting act, and not investigating my case timely and removing me from the online banking ultimately caused it to fall outside the ACH dispute timeline. 

Now I am stuck with a XXXX debt which is unfair because I had the XXXX in my account which the site did not honor. 

They also vioated their terms of services by calling it a sXXXX XXXX  but are also unregulated and i have evidence documented that outcumes were fixed in favor of the site.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: TX

Complaint narrative:
Please remove the following fraudulent accounts due to XXXX  data breach identity theft. 

Please see supporting documents pertaining to XXXX  data breach identity theft XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX { Last 4 SSN XXXX XXXX XXXX XXXX XXXX XXXX XXXX } XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Subject : Urgent Dispute of Fraudulent Accounts Due to Data Breach Identity Theft Report # XXXX Dear XXXX  Dispute Resolution Team, I am writing to urgently dispute multiple fraudulent accounts that have been opened in my name and linked to my Social Security number as a result of the XXXX  data breach. I have included a copy of my Identity Theft Report # XXXX ) for your reference. As a victim of this breach, I have identified unauthorized accounts that I did not open or authorize.

The details of the fraudulent account are as follows : ACCOUNT. OPEN DATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 In accordance with 15 USC 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of your receipt of this letter. Should you fail to respond adequately, I may pursue a small claims action against your agency, seeking damages of {$1000.00} per violation under 15 U.S.C. 1692k for the following reasons : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation of 15 U.S. Code 1681o Violation of 15 U.S. Code 1681n ( b ) ( Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681b ) Violations under 15 U.S. Code 1681c Violation of 15 U.S. Code 1681a ( 4 ) ( Right to privacy ) Under 15 U.S.C. 1681 ii ( 7 ) ( Method of verification ) Thank you for your urgent attention to this critical matter. 
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