vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 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:
All of the following accounts are fraud and needs to remove immediately : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX All hard inquires XXXX XXXX XXXX XXXXXXXX XXXX An FTC report has been filed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: OH

Complaint narrative:
XX/XX/XXXX NONE OF THESE ADDRESSES IS TIED TO ANY OF MY PROFILES. THESE ARE NOT MY ACCOUNTS AND I DEMAND THESE XXXX CREDIT BUREAUS REMOVE THE FOLLOWING ILLEGAL INFORMATION ON MY REPORT. IF NOT REMOVED FURTHER ACTION WILL BE TAKEN AGAINST THE CREDIT BUREAUS FOR REPORTING SUCH INFORMATION/ Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC XXXX Part XXXX, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under XXXX XXXX. Sec. XXXX ( a ), XXXX, XXXX, XXXX, you must complete this reinvestigation within XXXX  days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out XXXX  now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Balance {$3400.00} Date Opened XX/XX/XXXX Capital XXXX Balance {$990.00} Date Opened XX/XX/XXXX XXXX XXXX ( XXXX XXXX ) XX/XX/XXXX XXXX ( Home shopping ) XX/XX/XXXX XXXX FCU ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX GOLD STAR FI ( Finance ) XX/XX/XXXX GOLD STAR FI ( Finance ) XX/XX/XXXX 2023

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
on XX/XX/year> Credit monitoring services notified me that I received a hard credit inquiry on my credit reports that had impacted my credit score. Upon investigation, I noticed a mysterious inquiry from XXXX XXXX. I froze my credit reports and contacted the 3 bureaus and XXXX XXXX. I was able to obtain from XXXX XXXX information that a credit card was applied for by someone other than me and they voided the application and forwarded to their fraud team. On XX/XX/XXXX I was notified by XXXX that the fraudulent credit inquiry was removed from my report. I logged into XXXX and found that the credit inquiry was also removed from my report from their bureau. However, the fraudulent credit inquiry remains on my Transunion credit report and this is impacting my credit score. I have been unable to speak to any representative as it says I must complete any request via phone or letter mail, and the phone call will not let me out of an endless phone tree that eventually goes to a text chat where no one is of assistance.

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 2025-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
As Ive been using Zelle for the past seven years, I have sent money to wrong people multiple times and have not been able to get that money back because there was no verification of who I was sending it to through Zelle. This has happened multiple times and I have not been able to retrieve funds as the money was sent to the wrong people at times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
In XX/XX/year>, I opened a line of credit through XXXX XXXX ( Account # : XXXX ) at XXXX to finance a cosmetic procedure, totaling approximately {$4900.00}. I was told by the staff that I was signing up for a XXXX 0 % interest promotion, and based on that information, I agreed to proceed. I made consistent, on-time monthly payments for the entire XXXX period. 

To avoid missing any payments, I enrolled in autopay immediately after opening the account. XXXX online system prompted me to select the minimum payment autopay option, which gives the impression that it is sufficient to pay off the promotional balance within the interest-free window. However, I recently discovered that this was not a true 0 % interest promotion it was deferred interest. Because the minimum payments were not enough to pay off the full balance by the end of the XXXX term, I was charged {$2800.00} in retroactive interest, applied all at once. 

This charge came as a complete surprise. The nature of the financing deferred interest vs. 0 % interest was not clearly disclosed at the time of sale, and the autopay setup further misleads consumers into thinking they are on track to pay off the balance and avoid interest. 

When I contacted XXXX XXXX to dispute the charge, they refused to make any adjustments and stated that the terms were disclosed in the original agreement. However, the way the promotion was presented to me and the design of the payment system feel intentionally deceptive. 

I am requesting that XXXX XXXX or significantly reduce the retroactive interest charges, and I urge the CFPB to review how XXXX communicates promotional terms and payment expectations to consumers. I believe these practices are misleading and result in avoidable financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This public record information is inaccurate so please review all the documents I've sent in regards to this.

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 2025-04-11 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: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
My retirement direct of XXXX went to chase bank the accountant was closed when my check was sent there on XXXX of XXXX and chase said they returned it now has been over a month I needed too pay my gas bill now I have shutoff for next week and no money the tresury department sent me a letter XX/XX/2025 saying they haven't received it back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company 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 2025-04-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: AAA Auto Title Loans, LLC
State: NV

Complaint narrative:
I took out a personal loan with cash 1 loan on XXXX for {$950.00} only and was told that I was approved and that they will have to place me on a 18 months lease and my starting monthly payments will be {$160.00} monthly Ive been paying every since never missing a payment until down the line cash 1 keep over drawing my bank account because payment is due on XXXX day of each months so am supposed to call cash 1 loan before the XXXX day to let them know my account wont have funds in the account until after XXXX midnight so that they can account for that. And some times my money comes into my account early due to shorter days or holidays and I pay my account early to cash 1 loan. But then cash one keeps telling me that a payment didnt come in or was sent back to the bank or some kind of crazy situation and then my banks get involved explaining what cash 1 loan is doing so then I have to call cash 1 loan and speak with supervisor to explain because my bank says they show I been paying on time every month same payments never missing a payment my transaction for proof/ I ask cash 1 loan why my interestwas so high and why is it taking so long for my money to move down the line to show improvement that my loan is going down below while making my payments they keep telling me that am on a 18 months loan and if I can pay more then my monthly payments of XXXX then my loan will show some improvement such as lower payment amount. This is the problem I was told I was paying more then what I should altogether on this loan I borrowed so am seeking help Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I created a checking account XX/XX/XXXX and my finance endorsed his federal refund check to me we both signed at the branch that day we were told there will be a XXXX  day hold. We were given a number to call and I called the next day they told me that they would need to verify the check with the issuer. My account was placed on restriction that day XX/XX/XXXX. The original plan was for us to be on a joint account. But for some reason the system wasnt letting the banker add him to the account.We were going to come back and add him once he got his XXXX  id because his id at the time was from XXXX XXXX  Because of the restriction that wasnt possible anymore. It is now XX/XX/XXXX and they have officially closed the account but they deposited the funds and will not release them because the check holders phone number isnt showing up as verified in their system.They are saying the will hold the funds for up to XXXX  years then turn it over to the state. He has an XXXX  account and has had the this number for over XXXX  months now Im not sure what can be done but as of today they are still saying the same thing when I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : After looking at my credit report, my personal data. The following things are not accurate, not mine, and need to be removed from my credit report : *NOTE*Any recited Personal Identifier information NOT as mandated as above detailed I do NOT avow is adequately truthful, correct, timely, unabbreviated, verifiably valid nor else wise certifiably compliant in its adequate lawful mandated reporting process ( es ) and or with in the precise and full adherence to the mandatory format of reporting standard, namely Metro 2 Compliant delinquency event ( s ) and or derogatoriness ( es ) equally is NOT ASSUMED precise VALID and CERTIFIED COMPLIANT in its reporting nor format of reporting so eradicate any such unsampled claim, veracious or not. 


I DEMAND to have believed claims demonstrated as descriptively and correctly substantiated in full truth, accuracy, timeliness, completeness, physical verifiability, validity elsewise AND DEMAND that the adequate claim ( s ) are of CERTIFIED COMPLIANT REPORTING PROCESS ( es ) and of the mandated reporting format, i.e. Metro 2 Compliant format standard. FINALLY, DEMAND that any disclosed item of deficiency and /OR of the inability ( or UNWILLINGNESS ) to PROVE EACH claims VALIDITY and/or CERTIFIED COMPLIANT REPORTING yield an immediate ERADICATION of claims derogates, if any! COMPLIANT REPORTING of irrebuttable VALID claims is the REQUIREMENT, NOT OPTION, for lawful ethical reporting polices, ENSURE YOUR OF COMPLIANCE. 


This is a formal dispute of the personal information listed below, please remove this off my credit report : XXXX XXXX XXXX XXXX XXXX XXXX I know that you want proof of my personal information that is listed above, so I decided to include this information in the letter to make it easy for you to delete the inaccurate personal information. 
Please go ahead and fix this inaccurate information and get back with me as soon as possible. 30 days should be enough time to fix this problem. If you can update me sooner, that would be better. 
Thanks in advance and dont work too hard. I appreciate all that you do. 
Please remove this off my credit report : personal identifiers CERTIFIED COMPLIANT REPORTING PROCESS

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 2025-04-10 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: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CBC Companies, Inc.
State: NY

Complaint narrative:
Statement Regarding FCRA Violations I am writing to formally address several serious concerns regarding my credit report and the handling of my personal information by XXXX XXXX and its affiliates. 
On or about XX/XX/XXXX, and XX/XX/XXXX, I had an outstanding balance with XXXX XXXX for past due rent. However, I utilized the XXXX XXXX Assistance XXXX ( XXXX ) of New York to settle this balance, and I provided the necessary proof of payment to XXXX XXXX. Despite this, I have been informed that my personal information was sold to a creditor, which has led to negative implications for my credit report. 
I believe that these actions constitute violations of the Fair Credit Reporting Act ( FCRA ), specifically : 15 USC 1681 ( a ) ( 6 ) ( B ) ( 3 ) : This section addresses the unlawful reporting of information contained in a consumer report without a permissible purpose, which I believe is evident in this situation.

15 USC 1681 ( a ) ( 4 ) : I assert my right to privacy concerning my personal and financial information, which has not been maintained in a confidential manner by XXXX XXXX and XXXX XXXX 15 USC 1681 ( b ) ( e ) : The information reported to creditors has been inaccurate and misleading, which I contend violates the requirement for reporting only truthful information. 
15 USC 1681 ( b ) : The conduct of XXXX XXXX XXXX and XXXX XXXX is reporting negative information about my account was not conducted in a fair and equitable manner. I did not provide written permission for the sharing of this information, which may further violate my rights as a consumer. 
Given these concerns, I request a full investigation into these matters and a correction of any false information reported on my credit file. I also seek assurance that my personal information will not be sold or shared without my explicit consent in the future. 
Please treat this matter with urgency, as it directly impacts my financial well-being and my rights under the FCRA.

Company response to consumer: Closed with explanation