vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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:
I am writing to formally dispute certain information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have inaccurate information corrected or removed from my report. Please review the following discrepancies : 1. XXXX XXXX XXXX o Account Status : Past due o Amount : {$24000.00} o Date Reported : XX/XX/year> o Request : Please verify this accounts status. If it is inaccurate or outdated, please correct or remove this entry from my credit report. If the account is valid, please provide documentation to support the status. 
2. Hard Inquiries o Inquiries from : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX o Dates : XXXX to XX/XX/year> o Request : Please verify the validity of these hard inquiries. If they were made in error or without my authorization, I request their removal from my report.

I kindly request that you investigate and resolve these issues within the 30-day period as required by the FCRA. If the information is found to be inaccurate or unverifiable, I request that it be corrected or deleted.

Thank you for your time and 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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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.

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 XXXX 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 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 2025-11-04 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: NC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year> at XXXX XXXX, I deposited {$1600.00} cash at Chase ATM Terminal XXXX ( XXXX XXXX, XXXX XXXX, NY ). 

The ATM only credited {$930.00}, shorting me {$720.00}.

I deposited 39 x {$20.00} bills ( {$780.00} ) I have video proof counting them.

The machine only counted 3 x {$20.00} bills ( {$60.00} ).

Chase denied my claim and sent a letter saying no deposit was made.

This is FALSE I have the ATM receipt ( Sequence # XXXX ) proving {$930.00} was deposited.

Attached : 1. ATM receipt 2. Chase denial letter 3. Video of me counting 39 x {$20.00} bills 4. Dispute summary ( {$1600.00} / {$720.00} ) I want : - {$720.00} credited to account _XXXX - Written correction of their error This is a clear ATM counting error and a false investigation by Chase .

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I previously sent a letter to Portfolio Recovery Associates after receiving numerous calls from them regarding a debt I have no knowledge of. In that letter, I requested that they provide documentation verifying the legitimacy of their claim. However, they failed to respond or provide any proof of the alleged debt. Despite this, I continue to experience persistent and harassing phone calls from their representativesoften two to three times a day and from various area code numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
Since losing my job earlier this year, I have been struggling to manage my monthly expenses while remaining enrolled as a full-time college student. My car payment of approximately {$800.00} per month has become increasingly difficult to maintain, despite my sincere efforts to stay current. 

Given these challenges, I kindly ask that you consider the following : A temporary pause or reduction in my monthly car payments while I work to regain financial stability. 

Suspension of late payment reporting to credit bureaus for the next few months, so that my credit report is not further impacted while I actively work to get back on track. 

Removal of any recent negative remarks or delinquency notations related to this hardship period from my credit report, as I am committed to fulfilling my loan obligations once my financial situation improves. 

I understand the importance of my responsibility as a borrower and remain dedicated to maintaining a positive relationship with Santander XXXX. I am simply seeking short-term assistance during this challenging time so that I can protect my credit standing and avoid falling deeper into financial distress.

Please let me know if there are any hardship relief programs or forms I should complete to initiate this request. You may reach me at [ your phone number ] or [ your email address ] if additional documentation or information is needed.

Thank you for your time, understanding, and consideration of my circumstances. Your compassion and support during this period would make a tremendous difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: IN

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-04 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: CA

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-04 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: TX

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as requested by federal law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-04 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: TX

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as requested by federal law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I have a credit balance on my XXXX card through Comenity Bank / Bread Financial. The amount is {$1100.00}. Ive called several times to ask for a refund check. Every time I call, Im either sent to the wrong person and the phone call eventually drops, or it will drop me right away.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: AZ

Complaint narrative:
I am submitting this dispute because there are unauthorized and inaccurate accounts being reported on my credit file. I did not open or approve these accounts, nor was I ever notified of their addition. The reporting is also inconsistent across all three credit bureaus, which violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX ( b ), requiring credit bureaus to maintain the highest level of accuracy in the information they report. 

This situation also breaches XXXX U.S.C. XXXX, which requires any disputed information to be promptly investigated and corrected or deleted within XXXX  days, as well as XXXX U.S.C. XXXX, which guarantees consumers full and accurate disclosure of their credit 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 2025-11-04 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: AZ

Complaint narrative:
I am submitting this dispute because there are unauthorized and inaccurate accounts being reported on my credit file. I did not open or approve these accounts, nor was I ever notified of their addition. The reporting is also inconsistent across all three credit bureaus, which violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX ( b ), requiring credit bureaus to maintain the highest level of accuracy in the information they report. 

This situation also breaches XXXX U.S.C. XXXX, which requires any disputed information to be promptly investigated and corrected or deleted within XXXX  days, as well as XXXX U.S.C. XXXX, which guarantees consumers full and accurate disclosure of their credit 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 non-monetary relief
Consumer complaint received 2025-11-04 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: IL

Complaint narrative:
This is a follow-up complaint regarding XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) and the alleged XXXX XXXX XXXX XXXX XXXX  account originally associated with XXXX XXXX XXXX  XXXX 

I do not recognize or recall authorizing this account, and I have never received any funds, loan disbursement, or valid notice of transfer. XXXX reported the account as charged off with a balance of approximately {$1900.00}, which I dispute as inaccurate. 

On XX/XX/year>, I filed a complaint asking XXXX  to validate the alleged debt and provide documentation. Their response included a generic contract that did not contain any identity verification, proof of loan funding, or delivery confirmation of account notices. This response does not satisfy validation requirements under the Fair Credit Reporting Act ( FCRA 623 ( b ) ) or Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ).

I request that the CFPB reinvestigate this matter and require XXXX  to produce : -Proof of identity verification at the time of account origination ( e.g., IP logs, ID verification, or signature authentication ) -Proof of any funds credited or disbursed to me -Documentation showing I was properly notified of any transfer, charge-off, or assignment Until verified documentation is produced, I dispute the accuracy and legitimacy of this account and request immediate removal or correction of all credit reporting related to this alleged loan from Experian, XXXX, and XXXX.

The companys current reporting of a charged-off status without validation violates FCRA 1681s-2 ( b ) and causes significant harm to my credit standing.

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 2025-11-04 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: AZ

Complaint narrative:
I am filing this complaint against TransUnion for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ), which obligates credit reporting agencies to conduct a reasonable reinvestigation of disputed information and to provide the results to the consumer within 30 days of receiving a dispute. TransUnion has failed to meet this obligation, demonstrating clear disregard for its statutory duties. 
On XX/XX/year>, I mailed a formal dispute letter to TransUnion via USPS Certified Mail ( Tracking XXXX XXXXXXXX ). The letter included copies of my government-issued photo ID, Social Security card , and a recent bank statement showing my current address, all provided to verify my identity and residence. In that correspondence, I requested a thorough investigation into inaccuracies on my credit report and the correction of erroneous personal information, including the following disputed items XXXX XXXX  Account : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Bankruptcy Reference Number XXXXXXXX XXXX  Inaccurate personal information listed on my credit profile. 
According to XXXX tracking records, TransUnion received my dispute on XX/XX/year>. Despite confirmed delivery and complete identity verification, TransUnion has failed to provide any acknowledgment, communication, or investigation results. More than 30 days have passed since my submission, and this lack of response constitutes a clear violation of the FCRAs investigation requirements, reflecting willful noncompliance with federal consumer protection laws.

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 2025-11-04 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:
A fraudulent account from XXXX XXXX XXXX was reported on my Equifax credit file without my permission. I have never opened or authorized any account with this company. I recently discovered this information while reviewing my credit report and believe it resulted from identity theft. I am submitting this complaint to have the account blocked and removed from my report under Section 605B of the Fair Credit Reporting Act. I have filed an identity theft report at IdentityTheft.gov and included proof of my identity. Please ensure Equifax and the furnisher comply with FCRA requirements to delete this fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

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.

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 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