vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 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: NE

Complaint narrative:
These accounts were opened without my authorization and should not be on my credit report. I urge you to correct this issue by deleting them.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. I'm sure you'll agree, the late payment ( XXXX ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXXXXXX XXXX XXXXXXXX * * * * * * * * * * * Balance Owed : {$19000.00}

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 2025-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After reviewing my recent credit report, I was shocked to discover several accounts that I did not open or authorize. These unauthorized accounts are clear evidence of identity theft and are causing serious complications, particularly as I am in the process of purchasing a new vehicle for my family. I urgently request that these fraudulent accounts be removed from my credit report immediately to prevent further damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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 demand the correction of this late payment entry, as it misrepresents my payment consistency. I have maintained a good payment track record, and this inaccurate report must be removed from my account.

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 2025-05-05 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX, 2025, I attempted to make a {$1500.00} credit card payment at a Chase ATM. The machine froze and printed a receipt indicating the transaction had failed, along with a case number. I immediately called Chase, provided the case number, and was told that the payment had gone through successfully. Trusting the representatives assurance, I discarded the receipt. At no point was I advised to keep it or to follow up further. 

Then, in early XXXX, I noticed that the {$1500.00} had been re-added to my balance with no notice, no alert, and no explanation. I was shocked and confused, as I believed this issue had been resolved weeks earlier. 

What followed was over a month of repeated calls, transfers, and dead ends. Chase now claims there is no record of the original case number, and they have closed the matter without any proper resolution. I specifically requested a review of the phone recording from XX/XX/XXXX, where I was clearly told the payment was completed yet I was denied. 

Whats worse, despite constant follow-up and promises that someone would return my call, I have never not once received a single follow-up or update from Chase. Each time, Ive had to start over from the beginning, wasting my time, my energy, and now my money. 

As a consumer, I feel utterly powerless. I did exactly what I was told. I trusted the system. I followed up responsibly. And yet, I have been left completely alone in this without evidence, without help, and now without {$1500.00}. 

It is devastating to realize that a corporation like Chase can bury a customers issue under bureaucracy and silence, while we ordinary people are left with the consequences. I am not just filing this complaint for myself, but out of fear that this has happened to others too, and that it may happen again if there is no accountability. 

I respectfully ask the Consumer Financial Protection Bureau to intervene, investigate, and ensure that this injustice is not dismissed without responsibility.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-05 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:
I demand the correction of this late payment entry, as it misrepresents my payment consistency. I have maintained a good payment track record, and this inaccurate report must be removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am disappointed that my information have been compromised by identity theft. I am trying to buy a home for me and my family and this has put a serious hold on the process. By the FCRA, 15 USC 1681 G my information should be safe and secure and I see its not. My information has also been in a breach. This is a defemation of my character and causing emotional stress on me. Identity Theft is not far and the credit reporting agencies can be sued for having damages on my credit report. 
There are also some addresses and inquiries that I want to report that I see happened during the identity theft. Here are the addresses : etc Here are the inquiries.

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 2025-05-05 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: CT

Complaint narrative:
Please remove fraudulent accounts and hard inquiries off my credit profile from Experian, Equifax, Trans union immediately! 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX {$610.00} XXXX XXXX XXXX XX/XX/XXXX {$690.00} XXXX XXXX XXXX XX/XX/XXXX {$700.00}

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 2025-05-05 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: CT

Complaint narrative:
Please remove fraudulent accounts and hard inquiries off my credit profile from Experian, Equifax, Trans union immediately! 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX {$610.00} XXXX XXXX XXXX XX/XX/XXXX {$690.00} XXXX XXXX XXXX XX/XX/XXXX {$700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Malen & Associates, p.c.
State: PA

Complaint narrative:
This company Malen & Associates uses this number XXXX to call me, my mother, my son repeatedly. They wont address the issue they have with me. Keep saying they are the attorney and are going to send me papers and move forward. Wont give me any information.

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

Complaint narrative:
Account in Dispute : XXXX XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$1000.00} Account in Dispute : XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$500.00} I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities.

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 2025-05-05 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 have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-05 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: OH

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Hello, I am writing regarding a concerning issue with my mortgage account. On XX/XX/XXXX, I received an email from Freedom Mortgage titled Confirmation of disbursement for your taxes and insurance, stating that a payment of {$6000.00} was made to XXXX XXXX XXXX XXXX, my homeowners insurance provider. 

However, I had already paid {$4800.00} directly to XXXX for my XXXX homeowners insurance. I am confused and concerned as to why a second payment was made from my escrow account. This escrow account was opened recently without informing me.

Here is a summary of what happened : I called the Freedom Mortgage Insurance Department and spoke with XXXX ( ID : XXXX... ), who informed me that a request for payment was received from the insurance company. 

When I asked for proof of this request, she stated she could not share documentation, and said she would connect me with XXXX. After a brief hold, she claimed XXXX customer care department was closedthis was around XXXX XXXX  XXXX on Monday. 

I then contacted XXXX directly. Their customer support confirmed they were still open until XXXX XXXX XXXX. They also confirmed : A policy declaration had already been sent to Freedom Mortgage. 

No payment request was made to the mortgage company, as I am responsible for paying the premium directly. 

I previously experienced an issue with Freedom Mortgage regarding a brief insurance lapse and escrow account error last year, which was only resolved after multiple escalations. 

I kindly request a full investigation into this matter and a refund or correction of the disbursed amount. I would also appreciate a written explanation of why this payment was made despite my direct payment to the insurer. 

Also attaching a letter from mortgage company which stated that " Please note that the account is not escrowed for insurance, and it is your responsibility to make the payments. '' Please treat this as urgent and let me know the next steps to resolve it.I can provide me loan number if you need it. 

Sincerely, 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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX account they dont have anything known to me but the little information that they do have they trying to claim its my account i provided information and only information that they have is a partial name, this isn't my account XXXX XXXXXXXX said it was opened online and wasn't signed by me but they used other information to to link me to an account which is bogus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to dispute a charge-off account that appears on my credit report from XXXX XXXX  XXXX account number XXXX I believe this account is either inaccurate, incomplete, or should no longer be reported. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this account and provide proper documentation to validate the debt, including the original contract, full payment history, and explanation of how the charge-off was calculated.

If this information can not be verified, I am requesting the charge-off be removed from my credit report. Additionally, please ensure that any information shared with the credit bureaus is accurate and up to date.

I expect a response in writing within the 30-day investigation period as required by law. Thank you for your 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 explanation
Consumer complaint received 2025-05-05 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: AL

Complaint narrative:
I am writing to dispute a charge-off account that appears on my credit report from XXXX XXXX  XXXX account number XXXX I believe this account is either inaccurate, incomplete, or should no longer be reported. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this account and provide proper documentation to validate the debt, including the original contract, full payment history, and explanation of how the charge-off was calculated.

If this information can not be verified, I am requesting the charge-off be removed from my credit report. Additionally, please ensure that any information shared with the credit bureaus is accurate and up to date.

I expect a response in writing within the 30-day investigation period as required by law. Thank you for your 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 2025-05-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There are so many hard inquiries on my credit report that I did not authorize I never gave anyone or any company legal permission to pull my credit report. I am a victim of several Data breaches including several from 2 credit bureaus. They continue to keep these on my credit report after Ive disputed them over and over again. They continue to tell me accounts are mine after Ive told them they are not mine. They continue to keep addresses on my account that I have never been associated with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has illegally reinserted multiple accounts on my credit report that were previously disputed and removed due to confirmed identity theft, without providing me with notice of the reinsertion, as required under FCRA 611 ( a ) ( 5 ) ( B ). 

These accounts include : XXXX XXXX {$1300.00} XXXX XXXXXXXX XXXX XXXX {$6800.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - {$1900.00} All three were disputed, supported by proper identity theft documentation, and one ( XXXX  ) was confirmed by the agency itself as a misfile not even in my name. I have a deletion letter from XXXX XXXX XXXX confirming this. 
Despite this, these accounts remain on my Experian report, have dropped my score from the XXXX to the XXXX, and ruined my ability to secure housing. This has caused severe emotional and financial hardship. These accounts are currently still marked as disputed as of XXXX  2025. I sent in letters demanding the deletion within 4 days of receiving my certified mail stating that they did not notify me of reinsertion and they failed to respond. 

I am requesting that CFPB force Experian to : Permanently remove these fraudulent accounts Investigate the reinsertions Ensure compliance with federal identity theft and consumer protection laws Attachments : Identity Theft Affidavit or police report Deletion letter from XXXX XXXX XXXX XXXX or document showing current dispute status Screenshot showing I am a victim of the XXXX data breach Experian credit file showing that these items were deleted previously Proof of address, proof of identity ( Social Security Card, Drivers License ) ALL OF THESE FRAUDULENT ACCOUNTS TO BE REMOVED FROM MY EXPERIAN CREDIT PROFILE ONCE AND FOR ALL WITHIN 5 DAYS OF RECEIVING THIS! THIS IS NOT A REQUEST IT IS A DEMAND BEFORE SEEKING LEGAL ACTION WITH THE FCRA AND THE STATE ATTORNEY GENERAL.

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 2025-05-05 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: IL

Complaint narrative:
Upon applying for a loan and being denied credit, I noticed that my credit was compromised and accounts were open with the following companies : XXXX XXXX amount {$300.00}, XXXX  XXXX opened XX/XX/XXXX amount {$510.00}, XXXX  XXXX opened XX/XX/XXXX amount {$1500.00}, XXXX XXXX XXXX {$1100.00}, XXXX XXXX  opened XX/XX/XXXX XXXX {$950.00}, XXXX opened XX/XX/XXXX amount {$990.00}, XXXX XXXXXXXX  opened XX/XX/XXXX amount {$110.00}, XXXX XXXX XXXX opened XX/XX/XXXX XXXX {$340.00}, XXXX XXXX  opened XX/XX/XXXX XXXX {$1900.00}, XXXX XXXX XXXX opened XX/XX/XXXX XXXX {$1100.00} and XXXX XXXX XXXX opened XX/XX/XXXX XXXX {$4000.00}

Company response to consumer: Closed with non-monetary relief