vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX To : TransUnion XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Subject : Identity Theft Notification and Request for Blocking of Fraudulent Accounts Pursuant to FCRA Section 605B and FDCPA Protections Dear TransUnion, I am writing to inform you that I am a victim of identity theft. I request that TransUnion block and remove the fraudulent accounts listed below from my credit report in accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ). I am also requesting protection under the Fair Debt Collection Practices Act ( FDCPA ) from any collection activity related to these accounts. 

These accounts were opened or reported without my authorization, and I am not responsible for them. 



Fraudulent Accounts to Block : XXXX. XXXX XXXX / XXXX Account # : XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$0.00} High Balance : {$400.00} XXXX. XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX High Balance : {$370.00} Charge-Off : {$480.00} XXXX. XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX. Current Account # : XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX XXXX. XXXX XXXX - XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/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 non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
I am writing to dispute the {$300.00} collection account that has been reported on my credit file and to formally request validation of the alleged debt, as provided by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

I do not recognize this debt and request that you provide proper documentation to verify the following : 1. The name of the original creditor and the account number.

2. A breakdown showing how the {$300.00} amount was calculated.

3. Proof that you are legally authorized to collect this debt.

4. A copy of any judgment, if applicable.

Until you provide complete and accurate validation, you must cease all collection efforts and reporting to credit bureaus, in accordance with the FCRA and FDCPA. If you can not validate the debt, you are required to delete the entry from my credit report under FCRA 1681s-2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX : XXXX XXXX : XX/XX/XXXX Experian XXXX XXXXXXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX Last 4 of SSN : XXXX The following account was charged off as of ( XXXX, XXXX ) ACCOUNT NUMBER XXXX Since then the account has repeatedly been updated as charged off every month still currently updating this month XX/XX/XXXX. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. I am demanding a deletion of the following account : XXXX XXXX XXXX  Account number XXXX and Account number XXXX Also another account that has been violating the same laws for the same bank account number : XXXX has repeatedly been updated as charged off every month still currently updating this month XX/XX/XXXX ever since XX/XX/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 2025-07-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I noticed that there was an inquiry on my credit report that I did not do, I contacted the company, filed a report with XXXX, and I disputed with XXXX  and XXXX  said that " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX  CREDIT FILE XXXX XXXX  FROM THE REPORTED DATE OF THE INQUIRY ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: OK

Complaint narrative:
I was in the process of purchasing a home and noticed all the negative information on my credit report. According to 15 U.S.C 1681 Law, there should not be damages on my credit report. I would like to have this resolved as soon as possible!

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 2025-07-20 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: AZ

Complaint narrative:
I am writing to formally dispute several inaccurate and unauthorized entries on my credit report, and to request your immediate assistance in correcting and removing them, as required by law. My rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) have been violated by the reporting of inaccurate, outdated, and unverifiable information by TransUnion and Equifax.

Below are the specific issues requiring attention : 1. Incorrect Address Please update my address with the credit reporting agencies to reflect my correct and current address : XXXX XXXX XXXX XXXX, XXXX, Arizona XXXX Both TransUnion and Equifax are reporting outdated or incorrect addresses. Under FCRA 609 ( c ) ( 2 ) ( A ), I have the right to accurate information, including my identifying information.

2. Inaccurate or Unverified Accounts on Equifax Report XXXX {$3000.00} I do not recognize this debt and have never entered into an agreement with this entity. I demand proof of the validity of this account or its immediate removal under FCRA 611 and FDCPA 809 ( a ). 

XXXX  XXXX {$1400.00} This appears twice on my report : once as a collection/charge-off account and again as transferred or sold. This duplicate reporting is misleading, inaccurate, and in violation of FCRA 607 ( b ) which mandates maximum possible accuracy. Additionally, I demand a full investigation and deletion if this debt can not be verified. 

XXXX XXXX {$4600.00} This alleged debt is reported as a collection/charge-off account that was sold. I have not received any notice or validation from this entity. Under FDCPA 809 ( a ) and FCRA 611, I demand strict removal. 


3. Unverified Hard Inquiry XXXX Inquiry Date : XX/XX/year> I did not authorize this hard inquiry. Under FCRA 604 ( a ) ( 3 ), a consumer reporting agency may only furnish a consumer report if the consumer provides written instructions or there is a permissible purpose. I request the deletion of this unauthorized inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit System put this on my credit report without my permission and without me knowing. i did not find out until about 2 months later that it was on here. it should not even be on my credit report because the apartments lost the casein court because they did not show up to court when notified and the case was threw out. So they tried to collect on something that they could not collect without my authorization. The amount of the unauthorized debt is XXXX, XXXX this is for XXXX XXXX apartments. after i have won the case they went and refilled after i have already moved out they went and refilled for eviction i would like the eviction moved off my record as well because it was without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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:
I am writing this complaint about TransUnion 's out-of-control and repeated negligence in mishandling my consumer reports. I have been blocked from accessing my customer credit monitoring subscription online, experiencing extremely long loading screens that ultimately lead nowhere

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing this complaint about TransUnion 's out-of-control and repeated negligence in mishandling my consumer reports. I have been blocked from accessing my customer credit monitoring subscription online, experiencing extremely long loading screens that ultimately lead nowhere

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 2025-07-20 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:
I am writing this complaint about TransUnion 's out-of-control and repeated negligence in mishandling my consumer reports. I have been blocked from accessing my customer credit monitoring subscription online, experiencing extremely long loading screens that ultimately lead nowhere

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 2025-07-20 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have been a victim of the XXXX  data breach, the mother of all data breaches and here recently the data breach involving 16 billion passwords. I have fallen victim which has caused serious financial consequences. Please remove the account from my credit report that was a result of identity theft from one or more of the above listed data breaches. 
XXXX XXXX Acct : XXXX XX/XX/year> {$34000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: NC

Complaint narrative:
I have been a victim of the XXXX  data breach, the mother of all data breaches and here recently the data breach involving 16 billion passwords. I have fallen victim which has caused serious financial consequences. Please remove the account from my credit report that was a result of identity theft from one or more of the above listed data breaches. 
XXXX XXXX Acct : XXXX XX/XX/year> {$34000.00}

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 2025-07-20 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc.
State: TX

Complaint narrative:
This Montgomery Wards account was paid off with 2 other cards. The balance for this card was only {$29.00} so I don't know why they would not post the payment correctly when I made the payment over the phone. I should have just sent in a check like I always do. This was the time when I received a bonus from work in XXXX. If the credit bureau is showing code XXXX it needs to be changed to code XXXX which means paid before charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
On more than one occasion, attempts were made to view my credit report online. Letters have been written to Equifax to obtain a credit report, but to no avail. 
Attempted to start a new account with Equifax, but " account already exist '' comes up. 
And when trying to enter information that is " supposedly '' on the account, " account doesn't exist '', comes up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing this complaint regarding the recent removal of over XXXX Ultimate Rewards points from my Chase account following the closure of my Chase IXXXX XXXX XXXX credit card. I closed this specific card approximately XXXX months ago on XX/XX/scrub>, 2025 by speaking directly with a Chase representative over the phone. At no time during that call was I informed that closing the card would result in the forfeiture of any accumulated rewards points. Importantly, I only closed the XXXX XXXX card, not my overall Chase account, and therefore had no reason to believe my rewards balance would be affected. When I contacted customer service today and escalated to a supervisor, I was told that the points could not be reinstated due to Chases policy. This policy is highly unreasonable, especially considering that other credit card issuers associate rewards points with the overall account, not individual cards. When a credit balance is on a credit card, Chase would send a check of the amount in the mail after the account closure so why is it not the same case with these points? I believe the removal of my points occurred without adequate disclosure by the representative I spoke to, and I am formally requesting that the full balance of my rewards points be restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I reached out to GMXXXX Financial about adding a late payment on my credit report when the truck was already returned, as the lease had ended. I spoke with the president of the company, who called me personally, and " yes, the calls were recorded, so they CAN'T DENY IT ''. I was promised that the matter would be addressed, and late payment would be removed. It has been 4 months and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: NH

Complaint narrative:
A merchant charged me over XXXX XXXX XXXX  fraudulently with multiple transactions over XXXX transactions that where not stopped I filed a dispute today and im hoping it works in my favor they drained my account of over XXXX XXXX dollars In a XXXX XXXX  time frame maybe a little more if I'm mistaken just really need this issue resolved I'm a XXXX XXXX XXXX  XXXX  and have no money at all due to this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, I attempted to deposit {$2600.00} in cash at a Wells Fargo ATM located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The ATM displayed a message saying " some items are not acceptable, please take the items, '' but it did not return any cash, then reset to the home screen. No receipt was issued, and no funds were credited to my account. 

I immediately contacted Wells Fargo and filed a claim ( # XXXX ). A temporary credit was issued, but it was later reversed on XX/XX/year>, and the claim was denied. I asked multiple times for a thorough investigation, including access to surveillance footage, but the only document provided was a Customer Behavioral Data ATM Cash and Check Deposit report, which took nearly a month to receive. 
I also met with the branch manager, but they only referenced the ATMs internal balance report. I do not believe this is sufficient to justify denial of the claim. Wells Fargo denied my request based solely on internal records, without providing any external proof or evidence ( such as video footage ) that the deposit didnt occur. 
The funds I attempted to deposit were from a loan repayment ( {$2600.00} : {$600.00} in cash and {$2000.00} via XXXX XXXX returned by a friend. I made this deposit in good faith and acted promptly when the ATM malfunctioned. 

I request the CFPBs assistance to : Ensure a full and fair investigation by Wells Fargo Require Wells Fargo to provide documentation or surveillance evidence supporting their denial Reimburse the {$2600.00} if no clear justification exists for withholding the funds This incident has caused me financial stress and significant frustration, and I believe the bank has not handled the situation transparently or fairly.

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 2025-07-20 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : -XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XXXX of my contacts on XXXX was hacked and the person impersonating him wrote a message stating that they needed some money urgently and will able to send the money back to me the next day. They requested {$800.00} but I told them that I only had {$500.00}. They sent me an email address to sent the money email : XXXX Name of recipient : XXXX XXXX. I contacted my bank and stated that they could not help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA
State: NC

Complaint narrative:
XXXX  XXXX XXXX XX/XX/year> {$23000.00} {$3800.00} {$25000.00} {$18000.00} {$4200.00} {$7600.00} {$2200.00} {$23000.00} {$28000.00} {$2700.00} {$3300.00} {$28000.00}

Company response to consumer: Untimely response
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American First Finance, Inc.
State: OH

Complaint narrative:
Hello I am writing to formally dispute an inaccurate remark on my credit report. Both XXXX  and American First Finance have been made aware that the account in question was paid in full. However, it is still being reported as charged off, which is incorrect and damaging to my credit. 

This inaccurate information recently affected my ability to secure a car loan for my son through XXXX XXXX XXXX XXXX A bank representative there pointed out the charged off status on my XXXX  report during the loan application process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: NC

Complaint narrative:
I have been a victim of the equifax data breach, the mother of all data breaches and here recently the data breach involving XXXX XXXX passwords. I have fallen victim which has caused serious financial consequences. Please remove the following accounts from my credit report that were a result of identity theft from one or more of the above listed data breaches : XXXX XXXX XXXX XXXX XXXXXX/XX/scrub> 2024, Acct : XXXX, {$32000.00} XXXX XXXX XXXX XXXX XXXXXX/XX/scrub> 2024, Acct : XXXX, {$32000.00}

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