vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I just checked my credit report and saw inquiries I dont recognize. Im really worried because I believe Ive been a victim of fraud. This has been so stressful, and its making it impossible for me to get the credit I desperately need.

Please, Im asking for your help in removing these fraudulent inquiries. This situation has been overwhelming, and I dont know what else to do. Id truly appreciate any assistance you can provide. 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 XXXXXXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX 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 2025-05-21 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: TX

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: NV

Complaint narrative:
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! 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. 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 non-monetary relief
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am rejecting XXXX XXXX response to my original complaint. Their reply fails to directly address the reporting issues I raised and instead requests documentation they already have access to as the furnisher of the data. This appears to be a delay tactic, not a genuine investigation. 

The account in question was part of a credit-builder product, which I paid in full. Despite that, XXXX XXXX is reporting it with XXXX late payments and/or charge-off language, which is both inaccurate and disproportionate to the nature of the product. 

I also dispute the accuracy of the payment history, and the companys reporting appears to misrepresent my payment behavior. XXXX is required under FCRA 623 to verify the accuracy of what they furnish to the credit bureaus, not place the investigative burden on the consumer. 

Notice of Intent to Sue : If this account is not corrected or deleted from all credit reporting agencies within XXXX business days, I will proceed with legal action under : FCRA 611 Failure to properly investigate disputed information FCRA 623 Furnishing inaccurate or unverifiable data FCRA 616617 Civil liability for willful or negligent noncompliance This account is harming my credit profile and ability to obtain housing and credit. If the company can not produce full documentation to justify the derogatory reporting, it must be removed immediately. I reserve the right to escalate this to a consumer protection attorney

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 2025-05-21 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: LA

Complaint narrative:
I am rejecting XXXX XXXX response to my original complaint. Their reply fails to directly address the reporting issues I raised and instead requests documentation they already have access to as the furnisher of the data. This appears to be a delay tactic, not a genuine investigation. 

The account in question was part of a credit-builder product, which I paid in full. Despite that, XXXX XXXX is reporting it with XXXX late payments and/or charge-off language, which is both inaccurate and disproportionate to the nature of the product. 

I also dispute the accuracy of the payment history, and the companys reporting appears to misrepresent my payment behavior. XXXX is required under FCRA 623 to verify the accuracy of what they furnish to the credit bureaus, not place the investigative burden on the consumer. 

Notice of Intent to Sue : If this account is not corrected or deleted from all credit reporting agencies within XXXX business days, I will proceed with legal action under : FCRA 611 Failure to properly investigate disputed information FCRA 623 Furnishing inaccurate or unverifiable data FCRA 616617 Civil liability for willful or negligent noncompliance This account is harming my credit profile and ability to obtain housing and credit. If the company can not produce full documentation to justify the derogatory reporting, it must be removed immediately. I reserve the right to escalate this to a consumer protection attorney

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing to formally report a case of fraud that occurred on XX/XX/XXXX, and to express my deep concern and disappointment regarding how Chase has handled my claim.

Incident Summary : On XX/XX/XXXX, I received a phone call from what appeared to be XXXX Banks legitimate number ( XXXX ). The caller claimed that someone was attempting to make unauthorized transfers from my account and that urgent action was needed to secure it. I verified the number on Chases website at the time, and it matched, so I believed it was a legitimate Chase representative. 

Following their instructions and under the belief that I was protecting my account I transferred all available funds from : My sons Chase account to another account and send a XXXX transfer of $ XXXX XXXX XXXX XXXX XXXX XXXX account to the same account, as directed Soon after completing these transactions, I realized I had been the victim of a scam. I immediately went to a Chase branch, while still on the phone with the scammer, and filed a report in person. And they directed me to call the fraud department Evidence Provided to Chase : Proof of the scam calls using the Chase phone number Authorization for Chase to access surveillance video of my visit to the branch during the incident Screenshots and documentation of the phone calls I received from the scammers ( multiple calls ) Authorization for Chase to contact my phone service provider to verify the spoofed calls Proof that XXXX XXXX where I also transferred funds under the same scam, took my report seriously and refunded my money Photos and timestamps showing when I was on the phone and when the transactions were made Chases Response : Despite providing all of the above documentation, Chase closed my case without offering a clear explanation or resolution. I have been a loyal Chase customer since XXXX, and I have never filed a complaint or been involved in any fraudulent activity before. 

I trusted that Chase would take this matter seriously and protect its long-time customers. Unfortunately, I now feel that I have been left vulnerable and unsupported after doing everything I could to report the issue and provide full transparency. 

Requested Outcome : I am respectfully requesting that Chase : Review the evidence I provided in detail, Provide a written explanation for why the case was closed, if it is not reopened. 

This situation has caused me significant stress and financial loss, and I feel that the banks current response is unfair and unjustified given the clear circumstances and supporting evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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:
the company has a collections on my credit report that does not have my written consent to be furnish on my credit report which violates the law i stated below. the company name is XXXX XXXX XXXX has flagged your account as Collections on XX/XX/year>. 

Source : Experian XXXX : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/year> Balance : {$310.00} What now? 

Negative activity can have a significant impact on your XXXX XXXX and how lenders see you as a borrower, affecting your ability to get credit. 

After you've resolved the negative activity, try Experian XXXX to raise your FICO Score. 
also on transunion and eqifax these are my rights that they are violating...... 

15 u.s.c 1681 section 602 A. XXXX XXXX XXXX XXXX15 U.S. Code 1681 - Congressional findings and statement of purpose states I have the right to privacy 15 u.s.c 1681 section 604 A section 2 : XXXX XXXX XXXX XXXX15 U.S. Code 1681s2 - Responsibilities of furnishers of... 

it also states a consumer reporting agency can not furnish a account with out my written instructions. 


15 u.s.c 1681c. ( a ) ( 5 ) section XXXX XXXX XXXX XXXX15 U.S. Code 1681c - Requirements relating to information contained in... 

states : no consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes which antedates the report by more than XXXX years 15 u. s.c 1681s-2 ( A ) ( XXXX ) XXXX XXXX XXXX XXXX15 U.S. Code 1681s2 - Responsibilities of furnishers of... 

A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2025-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the presence of certain inaccuracies that require immediate attention : To Whom It May Concern : Upon reviewing my credit report, I have identified the presence of certain inaccuracies that require immediate attention : XXXX XXXX XXXX XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information.

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 2025-05-21 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:
I paid XXXX accounts off in XXXX please update the credit report to reflect the accounts were paid XXXX for {$3700.00} and XXXX XXXX {$14000.00}

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 non-monetary relief
Consumer complaint received 2025-05-21 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: GA

Complaint narrative:
I paid XXXX accounts off in XXXX please update the credit report to reflect the accounts were paid XXXX for {$3700.00} and XXXX XXXX {$14000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
I don't know anything about this cell phone company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: GA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as 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 explanation
Consumer complaint received 2025-05-21 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:
In XX/XX/XXXX, I discovered that my credit report shows multiple inquiries and XXXX account that I never authorized, none of these are mine. The fraudulent activity is causing me a great deal of distress, and I feel completely overwhelmed by the situation. The fraudulent account is : XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX. Additionally, there are several unauthorized inquiries on my credit report : 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 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 non-monetary relief
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
In XX/XX/XXXX, I discovered that my credit report shows multiple inquiries and XXXX account that I never authorized, none of these are mine. The fraudulent activity is causing me a great deal of distress, and I feel completely overwhelmed by the situation. The fraudulent account is : XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX. Additionally, there are several unauthorized inquiries on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: DE

Complaint narrative:
I am a victim of the XXXX data breach. I reviewed my consumer report and there fraudulent accounts, addresses, inquiries, employers and names listed that I did not authorize. These accounts are false. My identity has been compromised as a result of the XXXX  data breach. 

I have enclosed : Identity verification Notarized Affidavit of Identity Proof Of Address Dispute Letter FTC Report # XXXX Proof of XXXX Data Breach

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 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I am the XXXX of a small corporation registered with the XXXX of XXXX. I do all of my business banking through a local XXXX XXXX. 

Yesterday I received a XXXX debit card in the mail that bore the name of my company and the name of a person that I don't know. It came with a piece of paper that said the card was associated with a business checking account. I will happily provide my corporate tax ID XXXX and the XXXXXXXX XXXX  on the back of the debit card as needed. 

I do not have a XXXX business checking account of any kind. I do not have any unknown withdrawals from my company accounts with other banks. 

I called the number on the card to report the error and finally reached someone who said that they could open a fraud claim if I gave them my SSN, business ID, address, and XXXX. I hung up and decided to contact this agency instead. 

Since this card claimed to be a debit card associated with a checking account and not a credit card, I'm wondering if this is a sophisticated phishing scam rather than a case of identity theft, but I would like assurances that this is indeed the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
I got an Amex gift card and I can't even activate it, and it doesn't seem to work anywhere I've tried. I can't check the balance, and I have seen that many others get XXXX assistance from Amex so I did not bother.

Company response to consumer: Closed with explanation