vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 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: AL

Complaint narrative:
I AM FILING A COMPLAINT BECAUSE MY CREDITOR IS REPORTING LATE PAYMENTS ON MY ACCOUNT ENDING IN THE LAST XXXX DIGHTS # XXXX # XXXX # XXXX # XXXX CLOSED COLLECTION ACCOUNT # XXXX CHARGE OFF AS BAD DEBT # XXXX INQUIRES XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX THAT ARE INACCURATE AND NOT PROPERLY VERIFIED. I HAVE DISPUTED THIS DIRECTLY WITH THE CREDIT BUREAUS AND THE FURNISHER BUT THE LATE PAYMENTS REMAIN WITHOUT PROPER VALIDATION OR DOCUMENTATION UNDER 15 USC 1681 S2A FURNITURES MUST REPORT ACCURATE INFORMATION UNDER 15 USC 1681I THE CREDIT BUREAUS MUST PERFORM A REASONABLE INVESTIGATION WITHIN 30 DAYS NEITHER OF THEM HAVE PROVIDED SUFFICIENT EVIDENCE TO SUPPORT THE NEGATIVE 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 non-monetary relief
Consumer complaint received 2025-06-07 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: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On or around XXXX XXXX, my bank account was restricted without prior notice. I contacted the bank 's fraud department multiple times ( at least XXXX calls ) and visited a branch, but they did not provide a clear or written explanation for the hold. I was later informed that a check would be mailed to me on within or after XXXX dyas, but I have a time-sensitive closing scheduled for XX/XX/XXXX and urgently need access to my funds before that. I am not under any fraud investigation or legal issue to justify the restriction. The delay is creating significant financial hardship and may cause me to lose a major business opportunity. I am requesting the immediate release of my funds or an expedited disbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
Email has been being sent every day for about a week about legal action being taken. According to the The Fair Debt Collection Practices Act ( FDCPA ), it makes it illegal to threaten with lawsuits

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TEXAS CAPITAL BANCSHARES, INC.

Complaint narrative:
Transferred a nice chunk of money from my connected external account ( XXXX ) to Texas Capital Bank. Then decided instead to move my funds to my XXXX XXXX  account and the transaction was cancelled and the funds disappeared from my account by Texas Capital Bank XXXX department on XX/XX/XXXX. 

XX/XX/XXXX Called XXXX times, left XXXX messages, other times waited to find * * * * ( my case manager ) not available. She never returned my calls as promised by the officers. 

XX/XX/XXXX XXXX am - I called again, XXXX said she will call me in XXXX minutes. 

No call received. 

XXXX am - I called again, got another XXXX, talked to a XXXX XXXX XXXX XXXX XXXX. He claimed weve been playing phone tag. FALSE as I never received a call back after XXXX calls, XXXX left voice messages and the morning promise. He claimed that it was because they had been calling the landline that I listed when I first opened the account. I have been calling from and initially left the number during the first call I made which I use for the XXXX factor authentication on their site. I am outside the country at the moment and wont be able to call from that landline until early XXXX. He claimed that she will get the message and will call the correct number after XXXX pm. 

With much urgency, I called at XXXX pm. Finally talked to XXXX XXXX XXXX XXXX She froze my account because I failed the XXXX questions from XXXX years ago to family names of extended family which I rarely if ever see. I was blatantly accused of being a scammer in more than a normal business emotional manner. 

So who's money is it? 

* * * * will no longer talk to me and claims I am a scammer. 

XXXX, I will be back at the account opening landline number in early XXXX. What do I need to do to convince them to give me back my money? 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been disputing an account with XXXX XXXX which has failed to provide validation of debt as required by law. I have sent it certified mail, and more than 30 days have lapsed and they still fail to respond. 

Therefore, I disputed it with the Credit Bureaus and they have failed to initiate an investigation or even mark the account as disputed as required by law. This negligence by the three credit bureaus and the debt collector is damaging me financially, emotionally, and psychologically. The distress this is causing is serious, and the companies seem to not care to follow the rules. 

Therefore I have no other option but to plead for assistance from the CFPB to hold these companies accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been disputing an account with XXXX XXXX which has failed to provide validation of debt as required by law. I have sent it certified mail, and more than 30 days have lapsed and they still fail to respond. 

Therefore, I disputed it with the Credit Bureaus and they have failed to initiate an investigation or even mark the account as disputed as required by law. This negligence by the three credit bureaus and the debt collector is damaging me financially, emotionally, and psychologically. The distress this is causing is serious, and the companies seem to not care to follow the rules. 

Therefore I have no other option but to plead for assistance from the CFPB to hold these companies accountable.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Consumer Financial Protection Bureau Complaint Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone : ( XXXX ) XXXX Email : XXXX Complaint Against : TransUnion Equifax Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account No. XXXX ) XXXX XXXX ( Account XXXX. XXXX ) XXXX XXXX XXXX Nature of Complaint : I am a verified victim of identity theft, supported by my FTC Identity Theft Report # XXXX dated XX/XX/year>. The following accounts were opened fraudulently and were never authorized, consented to, or initiated by me : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3700.00} XXXX. XXXX XXXX XXXX {$570.00} XXXX. XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$180.00} These accounts were reported without my signed contract, consent, or permissible purpose and continue to violate multiple provisions of FCRA and FDCPA. 



Violations of Federal Law : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( f ) Prohibits obtaining or using consumer reports without permissible purpose. 
15 U.S.C. 1681e ( b ) Duty to maintain maximum possible accuracy ; fraudulent data violates this.

15 U.S.C. 1681g, 1681h, 1681i ( a ) ( 6 ) Failure to provide proper results and method of verification during dispute reinvestigations.

15 U.S.C. 1681c-2 ( Section 605B ) Requires blocking of identity theft-related information within 4 business days upon submission of valid ID Theft Report.

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 8 ) Prohibits communication of credit data known to be false.

15 U.S.C. 1692g ( b ) Requires collection to cease until validation is provided once disputed. 



Formal Demands : 1. Permanent deletion of all listed fraudulent accounts from my credit reports across all 3 bureaus.

2. Cease and Desist all collection communications and activities under 15 U.S.C. 1692c ( c ).

3. Provide the following for each disputed account : Original signed contract or agreement Proof of permissible purpose Forward Flow Agreement between original and collecting party Complete Chain of Assignment 4. Written confirmation that accounts have been removed and all collection activity has been permanently stopped. 



Relief Sought : Immediate and permanent removal of the fraudulent accounts and inquiries.

Regulatory enforcement against all furnishers and CRAs violating the FCRA and FDCPA. 
A full copy of the investigation results and all documents provided by furnishers. 



Under penalty of perjury, I declare the above information is true and correct. 
This CFPB complaint is supported by my FTC Identity Theft Report # XXXX, attached with this filing. 



Signed : XXXX XXXX XXXX Date : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Consumer Financial Protection Bureau Complaint Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone : ( XXXX ) XXXX Email : XXXX Complaint Against : TransUnion Equifax Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account No. XXXX ) XXXX XXXX ( Account XXXX. XXXX ) XXXX XXXX XXXX Nature of Complaint : I am a verified victim of identity theft, supported by my FTC Identity Theft Report # XXXX dated XX/XX/year>. The following accounts were opened fraudulently and were never authorized, consented to, or initiated by me : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3700.00} XXXX. XXXX XXXX XXXX {$570.00} XXXX. XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$180.00} These accounts were reported without my signed contract, consent, or permissible purpose and continue to violate multiple provisions of FCRA and FDCPA. 



Violations of Federal Law : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( f ) Prohibits obtaining or using consumer reports without permissible purpose. 
15 U.S.C. 1681e ( b ) Duty to maintain maximum possible accuracy ; fraudulent data violates this.

15 U.S.C. 1681g, 1681h, 1681i ( a ) ( 6 ) Failure to provide proper results and method of verification during dispute reinvestigations.

15 U.S.C. 1681c-2 ( Section 605B ) Requires blocking of identity theft-related information within 4 business days upon submission of valid ID Theft Report.

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 8 ) Prohibits communication of credit data known to be false.

15 U.S.C. 1692g ( b ) Requires collection to cease until validation is provided once disputed. 



Formal Demands : 1. Permanent deletion of all listed fraudulent accounts from my credit reports across all 3 bureaus.

2. Cease and Desist all collection communications and activities under 15 U.S.C. 1692c ( c ).

3. Provide the following for each disputed account : Original signed contract or agreement Proof of permissible purpose Forward Flow Agreement between original and collecting party Complete Chain of Assignment 4. Written confirmation that accounts have been removed and all collection activity has been permanently stopped. 



Relief Sought : Immediate and permanent removal of the fraudulent accounts and inquiries.

Regulatory enforcement against all furnishers and CRAs violating the FCRA and FDCPA. 
A full copy of the investigation results and all documents provided by furnishers. 



Under penalty of perjury, I declare the above information is true and correct. 
This CFPB complaint is supported by my FTC Identity Theft Report # XXXX, attached with this filing. 



Signed : XXXX XXXX XXXX Date : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-06-06 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:
" I am disputing inaccurate late payment information reported by XXXX  XXXX XXXX with account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The payments reported as late on XX/XX/XXXX XXXX XXXX / XX/XX/XXXX / XXXX XXXX were in fact made on time. Please investigate this matter thoroughly and update my credit file to reflect accurate on-time payment history. ''

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 2025-06-06 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: IA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-06-06 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: CA

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 2025-06-07 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: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX XXXX XXXX  Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
XXXX XXXX XXXX put in my Equifax report a collection for {$2600.00} and I demanded proof I wanted to see a signed contract with my name and exact dates and I never received it and on the report where is says original creditor it says no info

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-06-07 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: MA

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 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