vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously submitted a dispute regarding inaccurate information on my credit report. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to investigate and respond to disputes within XXXX  days. It has now been over XXXX  days, and I have not received any response or resolution. This failure to respond violates my rights under the Fair Credit Reporting Act ( FCRA ). I request immediate investigation and correction or removal of the disputed information, and a written response detailing the results of your investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously submitted a dispute regarding inaccurate information on my credit report. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to investigate and respond to disputes within XXXX  days. It has now been over XXXX  days, and I have not received any response or resolution. This failure to respond violates my rights under the Fair Credit Reporting Act ( FCRA ). I request immediate investigation and correction or removal of the disputed information, and a written response detailing the results of your investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: MS

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 2025-09-30 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: MS

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
Consumer complaint received 2025-09-30 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: CBC Companies, Inc.
State: MS

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am formally disputing the reporting of incorrect names and addresses associated with my Equifax credit file. These names and addresses are inaccurate, misleading, and not connected to me by any lawful or verifiable means. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681e ( b ), Equifax is required to maintain only accurate and verifiable consumer information. The continued reporting of false or unrelated identifying information violates these standards and misrepresents my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: TX

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 XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: TX

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 XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It has come to my attention that my personal information was exposed in a national data breach. After reviewing my credit reports, I have identified accounts that I do not recognize. I have contacted the CRAs to request validation of the debt, however, the requested information has not been provided. Due to the exposure of my personal information, I have also submitted a complaint with the FTC reporting the accounts I do not recognize. Please find attached the following documentation for your review : a copy of my ID, the FTC complaint and a copy of the XXXX report showing my information was exposed. I request that you investigate these accounts and take the necessary steps to correct my credit report. Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BOEING EMPLOYEES' CREDIT UNION
State: NC

Complaint narrative:
-Personal check for one payment of {$810.00} sent XXXX XXXX and never cashed/deposited. 

-Church assistance check for three payments, totaling {$2500.00}, sent XX/XX/XXXX. Check automatically cancelled after 30 days due to no receipt/deposit. 

-Church assistance check to clear total arrears ( {$4200.00} ) sent XXXX XX/XX/XXXX, deposited XX/XX/XXXX, was not credited to account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bounce AI, Inc.
State: TX

Complaint narrative:
Bounce AI is stalling by sending the same attachments again. None of those documents show proof that I ever signed and gave them permission to collect, use, or report my personal information. The Notice of Cancellation form they sent is blank with no wet signature. There is no contract or agreement with my handwritten signature, no authorization form, and no bill of sale showing that Bounce AI was ever given legal rights to access or handle my data. 

Without proof of consent and authority, Bounce AI has no permissible purpose to even have my information, let alone report it. Sending the same packet multiple times is not validation... it is a delay tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: MD

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a certified letter to Equifax on XX/XX/year> with tracking # XXXX it shows the delivery date of XX/XX/year> at XXXX XXXX  in XXXX GA. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts : XXXX- {$12000.00} ( ACCOUNT # XXXX ) Equifax failed to respond. I sent another letter on XX/XX/year> which they failed to respond once again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/year> I XXXX XXXX and my girlfriend XXXX XXXX went to our local Huntington bank to close my business account and open a personal perks checking account. When we were being helped by one of the friendly bankers at this facility, she had explained to us that we were eligible to receive a {$400.00} addendum as long as we kept our account open for 90 days + 2 weeks after and as long as we have payroll direct deposited totaling {$500.00} or more. She was closing my business account as she was opening this new checking account for us and explained we were still eligible regardless of my business checking being shut down. About a week ago I called the back office team for Huntington and was told we are not eligible to receive the {$400.00} addendum due to the business account that was open being used with my social security number and it being a sole proprietorship. The addendum rules and guidelines do not mention anything at all regarding having a business account or opening it with a social security number. It explained that you can not shut down a personal checking account within the last 6 months or have had one for the last 6 months which neither of us did. I proceeded to call the XXXX Huntington branch and asked to speak to XXXX XXXX XXXX which is the bank manager at this facility. He reached out to operations to see if he could have this figured out for us and ended up emailing me the exact same response as what the back office told me over the phone. This is not right or fair to the customers that follow all rules and guidelines like we did. I read all of the fine print on the page and it never had any detail regarding business accounts. This needs to be addressed due to this being false advertisement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My name is on my dads account. I have POA. I provided notarized documents in triplicate when the bank was XXXX  XXXX in XXXX. At some point it was purchased by Chase Bank. In XX/XX/XXXX I tried to get a new debit card which was not received by mail and expiring that month. Chase refused to give me the debit card. They could see my name on the account but did not have a copy of the POA in their system. I provided Chase with a copy from the notary which clearly stated the documents were notarized in triplicate. The notary is still in business. I do not have the original POA. I went to XXXX XXXX ( probate division ) and provided them with the same documents. They told me to fill out Form 4305 Affidavit Confirming Authority Under Power Of Attorney. I completed the form and had it notarized on XX/XX/XXXX. I returned to the bank on XX/XX/XXXX and made an appointment to meet with a branch manager. It was sent to their legal department but I heard nothing. I went back again 2 weeks later and met with a branch VP. He escalated my documents to legal again a month ago. I waited for a letter from Chase and received the following letter yesterday-6 months later-XXXX  XXXX XXXX UPDATE : Well stop contacting you about your recent concern because we can not reach you by phone. I have NEVER received a call from Chase which requested a call back to discuss this matter. I was waiting for a letter in writing explaining to me why they at this point they are refusing to close the account and give me whatever funds are available. I will reiterate that Chase has my name next to my dad in their banking system. Chase refuses to accept the notarized Court form 4305 or any copies from the notary who notarized the original POA in triplicate. This situation has created a huge financial burden on me with no resolution in sight. I ask only that they close the account and give me the funds in the account. The amount would be around $ XXXX. My name would not be in their banking system unless I had authorization to access funds. I was told by one of the managers the COURT has no jurisdiction over their banking policies. How can a bank have more power than our courts? I have been trying to resolve this issue since XX/XX/XXXX. It has been 6 months. Please help me resolve this issue. Thank you.

Company response to consumer: Closed with explanation