vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My report contains multiple discrepancies and contradictions that violate the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to report complete and accurate information. 
XXXX. Missing or Undefined Creditor Information : - Original Creditor is listed as " - '' ( blank ). - Company Sold is blank. - My Statement is listed as " undefined. '' These omissions make the tradeline unverifiable.

2. Contradictory Account Status : - The account is marked as " Paid, Closed '' ( status updated XX/XX/year> ). - However, the payment history still reflects XXXX late payments ( 30 days and 60 days ). This creates a misleading picture of the account. 
XXXX. Inconsistent Balance Information : - Balance Details list the account as " Paid off. '' - Original Balance is shown as {$2500.00}. - Balance Updated field is left blank. A closed, paid account should consistently reflect a {$0.00} balance with accurate updates.

4. Reporting Gaps & Undefined Fields : - Monthly Payment is listed as " - '' ( blank ). - Contact information only shows " XXXX, TX XXXX '' without a company name. This makes the entry incomplete and unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: NC

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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

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 : XXXXas 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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

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 : XXXXas 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 non-monetary relief
Consumer complaint received 2025-09-13 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: CA

Complaint narrative:
The credit card account with XXXX XXXX is past due and reported to credit reporting bureaus inaccurately. XXXX restricted all accounts for months, causing blocked payment attempts on my credit card accounts in XXXX, XXXX, and XXXX of 2025, which was also reported to all three major credit bureaus. However, XXXX and XXXX have updated the account information, but TransUnion has failed to correct and update the late payments on XXXX XXXX XXXX XXXX. I contacted XXXX via mail to dispute the late payment reporting and have received no response. Contacting TransUnion by phone is impossible ; they force customers to communicate through text messages and XXXX  robotic chat with no option for a live representative. I need help resolving the issue with TransUnion, the credit bureau. This issue was reported and resolved with the XXXX XXXX XXXX XXXX XXXX # XXXX and the FTC Report 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 2025-09-12 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: MI

Complaint narrative:
I am writing to dispute a collection item on my credit report from the collection agency XXXX XXXX XXXX XXXX. The details of the collection are as follows : Collection Agency : XXXX XXXX XXXX XXXX. Original Creditor : XXXX Account Number : XXXX I have no knowledge of this account. I never opened or authorized any account with the original creditor, XXXX, that would lead to this collection. I request that XXXX XXXX XXXX XXXX provide me with full validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). This validation must include documentation proving that I opened this account, incurred the debt, and that they have the legal right to collect it. Until they can provide such proof, I consider this debt invalid and request that it be removed from my credit file and that all collection activities cease immediately. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: CA

Complaint narrative:
This complaint is not a mistake. My credit report contains clear inaccuracies that have not been properly addressed, and they continue to cause me serious and ongoing harm. The presence of these errors is unacceptable and must be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the 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 2025-09-13 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: DC

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX # XXXX XX/XX/XXXX -- {$55.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$470.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally request your assistance in investigating and resolving an issue related to multiple fraudulent accounts appearing on my credit reports. Pursuant to 15 U.S.C. 1681c-2, I am requesting that these accounts be blocked from my credit report, as I believe they are the result of identity theft and were opened or reported without my knowledge or authorization. 
The following accounts appear to be fraudulent : 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 I have disputed these accounts with the credit reporting agencies, and I am in the process of filing an identity theft report in accordance with the Fair Credit Reporting Act. I am also enclosing relevant documentation, including : A copy of my government-issued ID A copy of a utility bill showing my current address A copy of my FTC Identity Theft Report ( or police report, if applicable ) Dispute letters sent to the credit bureaus Copies of my credit reports highlighting the disputed 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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally request your assistance in investigating and resolving an issue related to multiple fraudulent accounts appearing on my credit reports. Pursuant to 15 U.S.C. 1681c-2, I am requesting that these accounts be blocked from my credit report, as I believe they are the result of identity theft and were opened or reported without my knowledge or authorization. 
The following accounts appear to be fraudulent : 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 I have disputed these accounts with the credit reporting agencies, and I am in the process of filing an identity theft report in accordance with the Fair Credit Reporting Act. I am also enclosing relevant documentation, including : A copy of my government-issued ID A copy of a utility bill showing my current address A copy of my FTC Identity Theft Report ( or police report, if applicable ) Dispute letters sent to the credit bureaus Copies of my credit reports highlighting the disputed 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 2025-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
The Debt Collector admitted that they have completed their investigation of this complaint and closed this account in their office. This action constitutes a violation of federal law, as it represents collection activity and reporting without providing Debt Validation or Proof of Claim, which is required before any collection or credit reporting under FDCPA 1692g ( b ). 

FDCPA 1692g ( b ) : Debt collectors must provide Debt Validation and Proof of Claim before initiating collection or reporting. The Debt Collector failed to provide these documents. 

FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers must report accurate information. Closing the account without substantiation is reporting inaccurate information, which is a willful violation. 

FDCPA 1692k & FCRA 1681n & 1681o : Their actions expose them to statutory, actual, and punitive damages for willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I've been trying to unfreeze my credit with Experian for hours today. It was no problem with XXXX  and XXXX, but your company has been a nightmare. I've been attempting to use the automated phone system, but my account can not be verified. I believe my Experian account was hacked because my phone number is not on file, and the email address I should be getting codes sent to is unrecognizable. I need to speak to a real human, and this has been impossible. Even after I looked up various " hacks '' to speak to a human, they just transfer me back to the automated menu that again asks for information I can not verify. I have spent hours on this today and I am furious.

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 2025-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I was scammed by someone pretending to be a utility company demanded t payment with threat of service being terminated. Once I figure out it was a scam the money had been set through Zelle. I contacted my bank and they said they couldn't do anything about it. There was no way to contact Zelle so it sent me back to my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-12 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: AZ

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 explanation
Consumer complaint received 2025-09-12 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: NY

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-12 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:
I began working at XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. 
I received my first check on XX/XX/year> and deposited this check on XX/XX/year> to a Chase Bank ATM in XXXX XXXX. I have the receipt. On XX/XX/year>, my bank account was suddenly closed without reason and I was informed that I would get a cashiers check of my remaining funds. I received a check of {$80.00}. However, the full balance was {$1100.00}. 
Confused, I called Chase bank customer service. They said I would need to verify the check of {$1100.00} issued by XXXX XXXX. On XX/XX/XXXX, the owner and issuer of the check, XXXX XXXX, and I walked into the branch where I submitted the check through the ATM. I met with XXXX XXXX, Chase Associate Banker, who helped by calling customer service from his office. On a recorded line on XX/XX/XXXX, customer service verified the check and said they would send the check to me through mail within 5 business days. 
On XX/XX/XXXX, I called customer service again was on the phone for almost two hours, was purposely hung up on by a supervisor named XXXX. Finally, Chase informed me that the check is still suspended and the money is still on hold. Go XXXX has checked and confirmed with his bank, XXXX, who has informed him that this check has been debited from his account and transferred to Chase bank. Chase bank has now debited the amount of XXXX from XXXX and is withholding my money. 
It has now been over 60+ days that I can not obtain the money that I rightfully worked for. 
They wrongfully closed my bank account and now wont give me the rest of my money. I need help escalating this to someone that can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I reviewed my credit report and found several negative accounts being reported that I believe are inaccurate, unverifiable, or outdated. I contacted the credit bureaus directly and formally disputed this accounts. Despite my good-faith efforts, the bureaus failed to provide proper verification or remove these items. Some may be duplicates, and others may lack proper documentation. I'm not receiving a proper resolution, and my credit is being harmed unfairly.

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