vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 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: FL

Complaint narrative:
My personal information is being reported inaccurately

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 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year> Chase Fraud sent me a email alert saying my account was restricted & to contact them for more information to keep my account. On XX/XX/year> I spoke to 5 reps in the Fraud Department XXXX, each rep refused to provide XXXX ID, failed to provide reason for sending the restriction notice via email, failed to provide account notes & failed to tell me what the reason of cancellation is. From XX/XX/year> - XX/XX/year> there is only 11 transactions of withdrawals & deposits but the bank refuses to tell me which transaction is considered suspicious, even though they said they conducted an investigation on XX/XX/year> they will not tell me why this investigation was started or won't provide any documentation on how the concluded to their decision

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Letter to XXXX XXXX XXXX ( Request to Report Closed Mortgage ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX ( XXXX ) XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX Re : Request to Report Closed/ Paid Mortgage Account to Equifax , XXXXXXXX XXXX XXXX Account Prior property owner info Name : XXXX XXXX Property Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX : [ XX/XX/XXXX ] Dear XXXX XXXX XXXXXXXX XXXX, I am writing to request that XXXX XXXX verify , update, and furnish complete and accurate information regarding my paid mortgage account listed above. The loan was paid in full and closed. 
After reviewing my credit reports, I noticed the mortgage is either not appearing or not appearing with all three nationwide credit reporting agencies. To ensure my credit history accurately reflects this positive account, I respectfully request that XXXX XXXX : 1. Verify the account status as Paid in Full / Closed Satisfied with a {$0.00} balance and correct dates ( open date, payoff/close date, and any applicable contact/transfer dates ). 
2. Furnish the verified information to all three CRAsXXXX, Experian, and XXXXconsistent with your normal furnishing practices. 
3. Provide written confirmation to me once reporting/updates have been transmitted. 

I have enclosed documents to assist your verification and establish my true identity. 

California Drivers License ( with the sold property address ) * Proof of current address ( XXXX utility bill statement ) * US Passport, * Social Security Card This request is made so that my credit file reflects complete and accurate information. I understand the Fair Credit Reporting Act ( FCRA ) requires furnishers to maintain accuracy and to correct and update information they furnish ( see 15 U.S.C. 1681s2 ( a ) ( 1 ) & ( a ) ( 2 ) ). While I recognize a furnisher is not required to report to every bureau, I am asking thatif XXXX XXXX furnishes this accountyou furnish consistently to Equifax, XXXX XXXX XXXX. 

Please confirm in writing within 30 days the actions taken and the expected timeline for bureau updates. If you believe another servicer or entity is the correct furnisher for the payoff period, kindly identify that party and the effective transfer date so I may follow up. 

Thank you for your prompt assistance. 

Sincerely, XXXX XXXX Enclosures : Copy of California Drivers License ( showing prior property address ), copy of current US Passport, copy of Social Security Card, Proof of current Address utility bill from Spectrum

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, I was charged {$2400.00} by XXXX XXXX XXXX ( XXXX XXXX, CA ) for hot tub pump replacement WITHOUT receiving a quote despite explicitly requesting the work in advance via text message. 

TIMELINE : - XX/XX/year> : Texted technician stating " Definitely think the two pumps need replaced '' - XX/XX/year> : Service performed, thereafter I was charged {$2400.00} with NO prior quote - Market research shows fair price : ~ {$1400.00} ( 200 % overcharge ) - XX/XX/year> : Disputed with Capital One as " services not as described '' ( no quote provided ) CAPITAL ONE 'S SYSTEMATIC DENIAL : Capital One incorrectly classified my dispute as " wrong amount charged '' which requires a receipt showing different pricing - documentation that CAN NOT exist when no quote was provided. 

The merchant failed to provide a quote for {$2400.00} worth of work, violating standard business practices. This is a service failure, not a pricing dispute. 

When I explained the service failure ( no quote for major work ), multiple representatives admitted : 1. They have NO dispute category for " failed to provide quote '' 2. " Services not as described '' only covers physical defects, not service failures 3. Their system is designed to deny valid disputes that fall between categories I spent hours on recorded calls trying to get proper classification. Supervisors admitted they can not reclassify despite incorrect initial classification, preventing any investigation of my actual complaint. 

This appears to be systematic bad faith handling designed to deny valid disputes through classification manipulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Between XX/XX/year> and XX/XX/year>, hundreds of transactions were charged to my credit card through an online XXXX merchant XXXX ( XXXX XXXX ). The transactions vary between {$1.00} - {$100.00} exceeding {$5000.00} in total value. Once the activity was recognized only on my behalf by logging into my bank account a fraud dispute was made with both Chase and XXXX. Password was updated and the credit card was closed to prevent further fraudulent charges from occuring. The details of the activity are going to match as it was utilized through my XXXX account. Chase made no attempts during the activity being committed to reach out to verify if the activity was legitimate even those this activity is not normal for me for daily transactions. Chase conducted an initial investigation and has escalated the review after denying my original claim because the merchant details like name email address match however this activity was not done by me. Nor did I benefit or have anything in my possession from these charges. Further research on my part revealed this is a mobile game that I had never heard of before nor do I use. The fraud amount nearly doubles what is currently owned on my credit card and is linked to my checking account and mortgage account which is alarming if the fraud claim is denied for something I didn't gain anything from. A dispute with XXXX was also submitted and a few transactions were reversed on their part but no where near the amount conducted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-20 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX Equifax XXXX XXXXXXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im filing this complaint because fraudulent accounts continue to appear on my credit reports, and despite multiple disputes and even a prior CFPB complaint, the situation is unresolved. 

The accounts in question are being reported under XXXX XXXX XXXX. I have never opened, applied for, or authorized these accounts. They are not mine. Yet every time I dispute them, I receive the same recycled responses, with no real verification or evidence to back up the reporting. 

Most recently, XXXX responded to my CFPB complaint by stating : That I allegedly validated an application on XX/XX/year> using a one-time passcode ( OTP ). 

That payments were supposedly made using XXXX checking accounts ending in XXXX and XXXX. 

That accounts ending in XXXX and XXXX were valid after their review. 

This response makes no sense to me for several reasons : Account numbers dont match. On my credit reports, the accounts are listed as XXXXXXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX. Yet XXXX is now talking about accounts ending in XXXX and XXXX. Those numbers do not appear anywhere on my credit file. If XXXX cant even match up which accounts they are referencing, how am I supposed to verify, dispute, or defend myself? This inconsistency alone casts serious doubt on the accuracy of their reporting and investigation. 

Lack of real evidence. If XXXX claims I validated an application, then they should be able to show exactly how and when. I want to see the original application, the IP address, the browser/device information, and the phone number or email where the OTP was allegedly sent. None of this has been provided, and simply saying we reviewed it is not good enough under the law. 

Payments supposedly made. They claim payments came from XXXX checking accounts ending in XXXX and XXXX. I have never had those accounts, and no documentation has been shown to prove otherwise. Again, this is just a statement with no evidence attached. 

These issues raise more questions than answers. At this point, I believe XXXX is failing to meet its obligations under the Fair Credit Reporting Act ( FCRA ), especially 611 ( reasonable reinvestigation of disputes ) and 605B ( blocking fraudulent information with an identity theft report ). I have already provided proof of identity theft, yet the accounts remain. 

Fraudulent Accounts to Be Removed : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  * If these are in fact the same as the XXXX and XXXX accounts XXXX keeps referring to, then the inconsistency in reporting makes the investigation fundamentally flawed.

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 2025-08-20 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:
To Whom It May Concern, This letter is in direct response to XXXX correspondence regarding my filed complaint. Your response contains several misstatements of law and fact which must be addressed. 

Identity Theft Report : I have already filed a valid FTC Identity Theft Report. Under 15 U.S.C. 1681c-3 ( b ), upon receipt of such report, XXXX is required to block the reporting of the disputed fraudulent information within 4 business days. Your attempt to delay this process by claiming you have not received the report directly is not supported by the statute. Please confirm where to forward the report so compliance can occur immediately. 

Accuracy Obligations : Under 15 U.S.C. 1681e ( b ), XXXX has a duty to ensure the maximum possible accuracy of information in my file. Under 1681i, you must conduct a reasonable reinvestigation when a consumer disputes any item. Passing responsibility to your clients does not absolve XXXX of its statutory duties as a consumer reporting agency. 

Retention Period : While your form letter cites a 5-year retention policy, FCRA makes clear that inaccurate or fraudulent information must be blocked or removed regardless of retention policies. Continuing to report information you know or should know is fraudulent constitutes willful noncompliance under 1681n, subjecting XXXX to statutory, actual, and punitive damages. 

Removal of Derogatory Information : In addition to the disputed fraudulent account ( s ), I am formally demanding the deletion of all derogatory, inaccurate, and fraudulent information currently reported in my XXXX file. Any item that can not be 100 % verified as accurate and authorized must be permanently deleted under the FCRA. 

Accordingly, I demand : Immediate blocking of all reported fraudulent and derogatory accounts under 605B. 

Written confirmation of removal within 4 business days of this notice. 

A full reinvestigation consistent with XXXX, with supporting documentation provided. 

Failure to comply will result in formal complaints with the CFPB, FTC, and State Attorney General, as well as initiation of legal action for willful and negligent violations of the FCRA.

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 2025-08-20 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: NY

Complaint narrative:
b'I am submitting this formal complaint against Transunion for repeated and egregious violations of the Fair Credit Reporting Act (FCRA), codified at 15 U.S.C. 1681 et seq. Over an extended period of time spanning well beyond a year, I have submitted numerous formal disputes regarding the fraudulent XXXX XXXX XXXX XXXX XXXX XXXX which was accessed and reported without a permissible purpose in direct violation of 1681b(a). Despite providing all required\ndocumentationincluding government-issued identification, proof of address, a valid Identity Theft Report, and a signed\nstatement under penalty of perjuryTransunion has failed to take corrective action or respond as required by law. My signed statement under penalty of perjury was submitted in accordance with FCRA 605B, which requires credit reporting agencies to\nblock fraudulent information when a consumer provides proper identity theft documentation. This sworn statement affirms that\nthe disputed account was not authorized by me and is the result of identity theft, and it legally obligates Transunion to block\nthe account within four business days of receipt. Their failure to do so is a direct violation of 605B(a). The following letters\nwere sent as part of my ongoing efforts to resolve this matter: XXXXXXXX Sent Bureau Letter XXXX Sent Dispute LetterXXXX  Sent Dispute Letter XXXX  Sent Fraud Dispute Letter XXXX Sent Demand for Immediate Action: Violations\nof the Fair Credit Reporting Act (FCRA) Related to Identity Theft XXXX Sent Formal Dispute Under the Fair Credit\nReporting Act (FCRA) Regarding Identity Theft XXXX  Sent ID theft Non Compliance Letter XXXX Sent Continued\nNoncompliance with FCRA  Final Demand for Deletion of Fraudulent Accounts XXXX  Sent Formal Complaint and\nDemand for Immediate Compliance Violations of the FCRA and CCRAA XXXX Sent ID Theft Letter. These letters, along with many others sent prior, were submitted in\ngood faith and in full compliance with FCRA procedures. Transunion has ignored these disputes and failed to respond within\nthe statutory 30-day window under 1681i(a)(1)(A), constituting repeated and ongoing violations of federal law. Transunions\ncontinued reporting of the XXXX XXXX account after being notified multiple times of its illegitimacy and lack of\npermissible purpose demonstrates a pattern of willful noncompliance under 1681n and negligent noncompliance under\n1681o. These repeated violations have caused me substantial financial harm, emotional distress, and reputational damage,\nincluding denial of credit opportunities and undue scrutiny'

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 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hello, I am reaching out to request corrections to my personal information on my credit report, as it is currently inaccurate and has been causing me issues with my credit applications. This has become very frustrating and is unfairly affecting 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 2025-08-20 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: NY

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. I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

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 : XXXX as 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 2025-08-20 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:
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. I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

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 : XXXX as 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