vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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 XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: 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 XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-18 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:
Formal Demand to Block Fraudulent Account Under FCRA 605B Identity Theft Victim Notification This is a formal follow-up regarding unresolved fraudulent account that remain on my Equifax credit report despite multiple disputes. I got a letter from Equifax that violates my rights under the FCRA. This letter is not a repeat of prior submissions it includes documentation and a renewed demand for legal compliance under the Fair Credit Reporting Act, Section 605B ( 15 U.S.C. 1681c-2 ). 
I am a victim of identity theft. The following account was opened without my knowledge or consent : XXXX, date opened XX/XX/year> ( Account number - XXXX ). 

This account was fraudulently created and does not belong to me. I have never entered into any relationship with this creditor. I am invoking my rights under FCRA 605B, which legally requires that credit bureau block this item from my credit file within four ( 4 ) business days after receipt of this letter.

This submission is fully compliant with all documentation requirements under the FCRA. As such, credit burau is not legally permitted to reject or ignore this request, nor to claim this dispute is frivolous. 
Please confirm in writing that this fraudulent account has been permanently removed from my file and blocked from future reporting. I am not requesting a fraud alert to be placed on my credit file. 
Do not place any fraud alert or security alert on my credit report as part of this request. 
Additionally, I am notifying you of my rights under FCRA 623 ( a ) ( 5 ), which prohibits a furnisher from re-reporting information that has been blocked due to identity theft unless they have certified the accuracy and completed a reinvestigation. Any future reappearance of these inquiries without a full legal basis will be considered a willful violation of federal law. 
Please respond with written confirmation that these inquiries have been removed permanently and that my case has been referred to your fraud department as required.

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 2025-11-18 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: CA

Complaint narrative:
Formal Demand to Block Fraudulent Account Under FCRA 605B Identity Theft Victim Notification This is a formal follow-up regarding unresolved fraudulent account that remain on my Equifax credit report despite multiple disputes. I got a letter from Equifax that violates my rights under the FCRA. This letter is not a repeat of prior submissions it includes documentation and a renewed demand for legal compliance under the Fair Credit Reporting Act, Section 605B ( 15 U.S.C. 1681c-2 ). 
I am a victim of identity theft. The following account was opened without my knowledge or consent : XXXX, date opened XX/XX/year> ( Account number - XXXX ). 

This account was fraudulently created and does not belong to me. I have never entered into any relationship with this creditor. I am invoking my rights under FCRA 605B, which legally requires that credit bureau block this item from my credit file within four ( 4 ) business days after receipt of this letter.

This submission is fully compliant with all documentation requirements under the FCRA. As such, credit burau is not legally permitted to reject or ignore this request, nor to claim this dispute is frivolous. 
Please confirm in writing that this fraudulent account has been permanently removed from my file and blocked from future reporting. I am not requesting a fraud alert to be placed on my credit file. 
Do not place any fraud alert or security alert on my credit report as part of this request. 
Additionally, I am notifying you of my rights under FCRA 623 ( a ) ( 5 ), which prohibits a furnisher from re-reporting information that has been blocked due to identity theft unless they have certified the accuracy and completed a reinvestigation. Any future reappearance of these inquiries without a full legal basis will be considered a willful violation of federal law. 
Please respond with written confirmation that these inquiries have been removed permanently and that my case has been referred to your fraud department as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Subject : Urgent : Request for Full Accounting and Release of Funds Citi Reference XXXX To Whom It May Concern, I am writing regarding the closure of my Citi accounts and the letter dated XX/XX/year>, referencing my Citi Accelerate Savings account ending in XXXX and the related OCC and CFPB cases ( XXXX Case # XXXX / CFPB Case # XXXX ). 
On a recent phone call with a Citi representative, I was advised of the following balances : Account ending XXXX : {$7800.00} Account ending XXXX : {$6000.00} Additionally, there was a {$6000.00} deposit made into account ending XXXX. 
Your letter states that a refund check of {$0.00} was mailed to me for account ending XXXX on XX/XX/year>. I do not understand how, with the balances stated above, I am only receiving {$0.00}. 
I am requesting a full written accounting of all funds associated with accounts ending XXXX, XXXX, XXXX, and XXXX, including : The balance in each account on the date of closure. 
Every debit, transfer, or hold placed on these funds from the date of closure to present. 
Where the remaining funds were sent, applied, or transferred, with routing and account details if they were returned or moved. 
An explanation of how Citi calculated the {$0.00} refund check. 
At this time I have not received the remaining funds that should be due to me, and I am experiencing financial hardship as a result. Please treat this as an urgent request and provide a clear explanation and release of all funds that rightfully belong 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 2025-11-18 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: NC

Complaint narrative:
I am filing this complaint due to inaccurate information reported by TransUnion. Despite my disputes, TransUnion has failed to provide sufficient verification or documentation as required by the Fair Credit Reporting Act ( FCRA ), particularly 611.

I request that the CFPB intervene and ensure TransUnion conducts a proper reinvestigation and removes unverifiable items from my credit report. 

Charged Off Accounts in Dispute ( TU XXXX XXXX  XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XX/XX/XXXX {$5700.00} XXXXXXXX XXXX XXXX XX/XX/XXXX {$0.00} These accounts are reported inaccurately, and TransUnion has failed to provide proper documentation or verification. 

Inquiries ( TU ) INFORMATIVE XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX These inquiries are inaccurately reported. I request their removal unless validated. 

Late Payments ( TU ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX XXXX 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 2025-11-18 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-18 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: IL

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/year>, I wired {$2500.00} from XXXX XXXX XXXX to my XXXX IRA ( Reference # XXXX ). The wire can not be completed because XXXX IRAs don't accept wires. The funds are stuck with XXXXXXXX XXXX intermediary bank, JPMorgan Chase. 
XXXX XXXX XXXX has submitted THREE recall requests to JPMorgan Chase - all rejected without explanation. XXXX confirms they never received the funds but refuses to use their commercial relationship with JPMorgan Chase to facilitate return. JPMorgan Chase customer service redirects me to XXXX. 
My {$2500.00} has been inaccessible for 46+ days. XXXX XXXX # XXXX was closed without resolution. XXXX XXXX XXXX confirmed JPMorgan Chase is rejecting recalls but claim XXXX agents claim they " have no control '' over their own intermediary bank and won't provide JPMorgan contact information. 
The funds can not go forward ( XXXX won't accept ) and JPMorgan Chase improperly refuses to send them back. Standard banking practice requires returning undeliverable funds, but JPMorgan Chase rejects legitimate recalls while both companies evade responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Incomm Holdings Inc.
State: NE

Complaint narrative:
My wife received a XXXX XXXX gift card for {$100.00}. When I tried to activate it by phone, their phone was out of service so I activated it on line. When I checked the balance it was XXXX. We had not used it. The balance form showed XXXX charges of {$30.00} at XXXX XXXX in XXXX MA and one charge of {$10.00} at XXXX in XXXX XXXX FL. We live in XXXX Nebraska and have not been in either place. When I contacted XXXX Dispute Resolution, they responded that our disputes was denied. I find this unfair and therefore filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: AZ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: MA

Complaint narrative:
While I was XXXX credit accounts were opened in my name without my authorization. I recently became aware of these accounts after reviewing my credit report. Specifically, there is an approximately {$2000.00} account with XXXX XXXX and an approximately {$3000.00} account with XXXX that I did not open, authorize, or have any knowledge of. 

Because I was incarcerated during the time these accounts were opened, I could not have applied for or used these credit cards. These accounts appear to be fraudulent. I did not receive any communication, statements, or verification requests from either company at the time the accounts were allegedly opened. 

I am requesting that both companies investigate these unauthorized accounts, close them as fraudulent, and remove any related negative information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: MA

Complaint narrative:
While I was XXXX credit accounts were opened in my name without my authorization. I recently became aware of these accounts after reviewing my credit report. Specifically, there is an approximately {$2000.00} account with XXXX XXXX and an approximately {$3000.00} account with XXXX that I did not open, authorize, or have any knowledge of. 

Because I was incarcerated during the time these accounts were opened, I could not have applied for or used these credit cards. These accounts appear to be fraudulent. I did not receive any communication, statements, or verification requests from either company at the time the accounts were allegedly opened. 

I am requesting that both companies investigate these unauthorized accounts, close them as fraudulent, and remove any related negative information from my credit report.

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