vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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: NJ

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : 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 non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This account was paid through a debt collector in settlement in the the XXXX XXXX XXXX however they continue to keep this account as a negative item in my credit report.After calling the company they tried to tell me that they will not update my account for 30 to 45 days which will in turn further lower my credit score to look as if I have not paid the account in two months when it was paid in full.

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 2025-06-20 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: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
DEPT OF EDXXXX XXXX XXXX  XXXX XXXX XXXX Current XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX These accounts are all incorrect unverifiable and incomplete information

Company response to consumer: Untimely response
Consumer complaint received 2025-06-20 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name 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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
This account was paid through a debt collector in settlement in the the XXXX XXXX XXXX, however they continue to keep this account as a negative item in my credit report.After calling the company they tried to tell me that they will not update my account for 30 to 45 days which will in turn further lower my credit score to look as if I have not paid the account in two months when it was paid in full.

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 2025-06-20 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

LXXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX - XXXX XXXX - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
b'This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal: Pursuant to 15 U.S. Code  1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four (4) business days of receiving this letter. These are the list of Items need to be deleted ASXXXX 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\nUnder 15 U.S. Code 1681a(2)(B) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.'

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 2025-06-20 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: FL

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I never authorized their opening. Please rectify this error immediately.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I have no knowledge of this inquiry and requesting removal. I have had numerous identity breaches from multiple companies XXXX XXXX XXXX XXXX XXXX JPMCB CARD Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: FL

Complaint narrative:
I insist that these fraudulent accounts be eliminated from my credit report, as I never opened them and had no knowledge of their existence. Per USC 1681g, I am requesting their deletion within 15 days. Enclosed are relevant documents as proof.

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 2025-06-20 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: FL

Complaint narrative:
RE : Dispute of Inaccurate Delinquency Reporting FCRA Section 611 To Whom It May Concern : I am writing under the Fair Credit Reporting Act ( 15U.S.C. 1681 etseq. ) to dispute inaccurate information on my credit report, which I recently obtained from your agency. 

Account in dispute : Creditor name : XXXX XXXX Account XXXX Error # 1 Inaccurate 60-day late payment status Your report indicates a 60-day late payment was posted on [ XX/XX/XXXX, XX/XX/XXXX. This is incorrect. I have no record of being 30 days late prior to that date. According to my billing statements dated [ list dates ], all payments were submitted on time. 
Enclosures : Billing statements, payment confirmations, and creditor correspondence validating on-time payments. 

Error # 2 Inaccurate 120-day late payment status Your report further claims a 120-day late status on [ XX/XX/XXXX ], which is also incorrect. At no time was I ever 90 days late. I have proof that payments made on [ date ( s ) ] were processed, and the account never entered a 90 day delinquency. 
Enclosures : Billing statements, payment records, and bank transaction confirmations. 

Under FCRA 611, you are required to : 1. Conduct a reasonable investigation of my disputes, including contacting the original creditor.

2. Review the enclosed documentation.

3. Delete or correct the inaccurate delinquencies from my credit report.

4. Provide written results and an updated copy of my report upon completion. 


You must resolve this dispute within 30 days of your receipt. If new or updated information is added to my file, please send me an updated credit report. If you find this information can not be verified or is inaccurate, you must remove it and notify anyone who accessed my file in the past six months. 

Thank you for your prompt attention to these errors. Please confirm receipt of this letter and that my dispute is listed on my file. I look forward to receiving the outcome in writing. 

Sincerely, XXXX XXXX XXXX Enclosures : Copy of credit report with disputed items circled [ Copy of credit reporting clearly showing inaccurate payment dates ]

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 2025-06-20 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: FL

Complaint narrative:
RE : Dispute of Inaccurate Delinquency Reporting FCRA Section 611 To Whom It May Concern : I am writing under the Fair Credit Reporting Act ( 15U.S.C. 1681 etseq. ) to dispute inaccurate information on my credit report, which I recently obtained from your agency. 

Account in dispute : Creditor name : XXXX XXXX Account XXXX Error # 1 Inaccurate 60-day late payment status Your report indicates a 60-day late payment was posted on [ XX/XX/XXXX, XX/XX/XXXX. This is incorrect. I have no record of being 30 days late prior to that date. According to my billing statements dated [ list dates ], all payments were submitted on time. 
Enclosures : Billing statements, payment confirmations, and creditor correspondence validating on-time payments. 

Error # 2 Inaccurate 120-day late payment status Your report further claims a 120-day late status on [ XX/XX/XXXX ], which is also incorrect. At no time was I ever 90 days late. I have proof that payments made on [ date ( s ) ] were processed, and the account never entered a 90 day delinquency. 
Enclosures : Billing statements, payment records, and bank transaction confirmations. 

Under FCRA 611, you are required to : 1. Conduct a reasonable investigation of my disputes, including contacting the original creditor.

2. Review the enclosed documentation.

3. Delete or correct the inaccurate delinquencies from my credit report.

4. Provide written results and an updated copy of my report upon completion. 


You must resolve this dispute within 30 days of your receipt. If new or updated information is added to my file, please send me an updated credit report. If you find this information can not be verified or is inaccurate, you must remove it and notify anyone who accessed my file in the past six months. 

Thank you for your prompt attention to these errors. Please confirm receipt of this letter and that my dispute is listed on my file. I look forward to receiving the outcome in writing. 

Sincerely, XXXX XXXX XXXX Enclosures : Copy of credit report with disputed items circled [ Copy of credit reporting clearly showing inaccurate payment dates ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name 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 2025-06-20 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: NY

Complaint narrative:
My accounts 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 to be removed/updated. 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. 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 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name 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 2025-06-20 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

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 2025-06-20 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
FCRA 1681e ( b ) requires that credit reporting agencies ensure all reported information is accurate and up to date. The continued reporting of conflicting or unverifiable data violates this standard.

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 2025-06-20 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: EQUIFAX, INC.
State: PA

Complaint narrative:
FCRA 1681e ( b ) requires that credit reporting agencies ensure all reported information is accurate and up to date. The continued reporting of conflicting or unverifiable data violates this standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CHARLES SCHWAB CORPORATION, THE
State: NY

Complaint narrative:
I I am filing a complaint regarding Charles Schwabs repeated failure to honor my travel notices, which has left me stranded in foreign countries multiple times.

I notified Schwab of my international travel well in advance through the official travel notice system, listing all relevant countries. Despite this, my debit card has been frozen at least four times within 24 hours, including while I was in XXXX and XXXX. These freezes occurred while I was actively trying to pay for basic necessities like transportation, food, and mobile service. 

The most serious incident occurred after landing in XXXX, where Schwabs automated fraud system once again blocked my card despite multiple prior phone calls and confirmations that my account had been cleared. I was stuck in the airport, unable to call an XXXX or pay for anything, with no access to a working card. I had to use another person 's card without their knowledge just to stay connected, and pay out-of-pocket for international calls to contact Schwab support more than once. 

This was not a one-time failure. It is part of a pattern of negligent fraud handling, where Schwabs own staff unlocks my card temporarily only for the system to lock it again hours later even after agents claim my file has been flagged for no restrictions. 


-- - I am requesting the following : 1. A full investigation into how and why my travel notices were not honored.

2. A written explanation and acknowledgment of Schwabs failure.

3. Reimbursement for international call charges and related out-of-pocket expenses caused by these freezes.

4. A guarantee that permanent travel overrides will be respected during any future international use. 



This situation was unacceptable. I was left vulnerable, frustrated, and forced into avoidable financial stress due to Schwabs lack of follow-through. If this is not resolved appropriately, I will escalate to the Office of the Comptroller of the Currency and explore switching banks permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My chase checking account was closed without warning on XX/XX/XXXX. There have been no overdrafts or other problems, and the only deposits are transfers from my and my wife 's accounts to pay the mortgage. Chase can provide no information about why the account was closed. Now, they say there's an investigation, though they can't say what the investigation is about. They also will not produced the funds from this account. It has been over a month and there's no timetable for when/if they will return the money.

Company response to consumer: Closed with explanation