vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 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: NJ

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : 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 2025-10-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: IA

Complaint narrative:
I was contacted for a balance related to a previous landlord. My account number is XXXX. This debt is not mine. I have requested the following from them : To Whom It May Concern, I am writing to formally dispute the validity of the debt referenced in your recent communication ( Account Number : [ insert account or reference number, if provided ] ). Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request that you provide full validation of this debt, including : The name and address of the original creditor.

The amount of the alleged debt, including an itemized breakdown of principal, interest, and fees.

Copies of any documents bearing my signature showing that I agreed to this debt.

Proof that your agency has legal authorization to collect on this debt in my state.

Until this information is provided, I am requesting that you cease all collection activity, including reporting or continuing to report this debt to any credit bureaus. If this debt has already been reported, please note that it is being disputed and must be updated accordingly.

Please send your response in writing to the address listed above.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: PA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cedars Business Services, LLC
State: MD

Complaint narrative:
Hello this is for XXXX XXXX, I rented there and there was late fees charges that I was informed by management will be waived on the account nevertheless I still went on to pay the fees before moving out and received a move out confirmation with a {$0.00} balance after moving out they went to report on my credit saying I owe them {$270.00} and I do not owe them nothing the reporting on my credit are Fraudulent and the Charges are Fraud also they trying to lie to say that I arranged a payment agreement with them which I never did all tactical ways to get me to pay for something I already paid for and even though management also confirmed they will waive for me as a courtesy this company is a XXXX company marketing wrong information and over charging based on items they see you store in the unit not what the actual unit prices are they false advertise and jump prices without even alerting you and when you want to leave they have nasty attitude and create all types of difficulties for you to leave even after leaving chasing me for {$270.00} in late fees payments that are not even accurate and not legit because the late charges were paid before moving out of the storage complete evil company that needs to be shut down in operations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: OK

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update the records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

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 2025-10-27 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: OK

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update the records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

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 2025-10-27 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: VA

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 2025-10-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I got a notification from a number I dont normally get updates on car about status has changed please call so I called while I spoke to a agent with a demanding tone told me that my car could be repossessed at any moment and that I was required to pay my account in full. During that conversation, I asked specifically whether I could qualify for a payment extension agreement to pay Instead of processing my extension request when I made it in good faith, my vehicle was repossessed shortly thereafter. Now, after you have taken my vehicle and after I have submitted the payment they required for its release, I am being told that I must sign this new payment extension agreement in order to have my vehicle returned. This agreement imposes significantly harsher terms, including an increased annual percentage rate and higher finance charges. 

I do not agree to these new terms. They were not disclosed prior to payment, they were not part of the original retail installment contract I signed on XX/XX/year>, and their imposition now appears to be a direct result of your companys wrongful handling of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/year>2025 XXXX - XXXX XXXX, 2025 2025

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 2025-10-27 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: ND

Complaint narrative:
I hope this letter finds you well. I am writing to request your assistance in updating certain accounts reported on my credit file. After reviewing my report, I identified information that appears to be outdated or inaccurate. I kindly ask that my credit report be corrected to ensure it accurately reflects my current financial 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 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have the Chase Bank App. I was using it the day of incident, I saw four offers that read d " Pre-Approved '' click here... I clicked it said put in your income, I put in my income. No other questions because they have all my information. They have something called XXXX XXXX as well. I look on their site to see my credit worthiness and score. 
All that being said they denied me the card, saying I had too much credit. They have full Knowledge of how much I had, and as I will show with the attachments the difference in Pre-approved and pre-approved with further stipulations.

My credit score took a XXXX point hit ( lowering ). I want them to put it back. I feel there has been an overt attempt to keep my score and most of California 's score low. 
The four offers read the same. You're PRE-APPROVED, whereas the other credit card companies read, You're pre-approved, " Final approval subject to additional terms. '' Complete disclosure that you may not be approved subject to additional findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: TX

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 2025-10-27 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: WA

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On or around XXXX, 2025, I received a notice from XXXX XXXX XXXX claiming that I owed a debt under account number XXXX. I immediately requested debt validation under the Fair Debt Collection Practices Act ( FDCPA ), including the full chain of assignment and bills of sale proving ownership of the alleged debt. To date, the company has failed to provide proper verification or documentation. 

Based on my understanding, this debt was previously securitized and sold, meaning XXXX XXXX XXXX has no lawful ownership or right to collect on it. Despite my request, they have continued to report or attempt to collect this debt, which violates 15 U.S. Code 1692g and my rights under 15 U.S. Code 1679c.

I am requesting that all collection activity cease immediately, and that this account be removed from my credit report due to lack of valid documentation and improper debt ownership.

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 2025-10-27 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: FL

Complaint narrative:
I kindly ask for the immediate removal of this inquiry from my credit report, as it is not connected to me, and I have no relationship with the creditors involved.

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 2025-10-27 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: IN

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

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 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/XXXX I placed an online order on XXXX in the amount of {$52.00} which was charged to my card as expected. I had {$2.00} in XXXX cash so the amount charged to the XXXX was XXXX. I have included the receipt to this complaint. A few weeks later ( I believe on or around XX/XX/XXXX ) I logged into my account and saw quite a bit of other transactions on XXXX in various amounts. I did not make those additional purchases and I called BOA immediately to report this. The lady took the complaint and even though I was clear that the transaction for {$50.00} was genuine but not the other transactions. The scammers charged relatively small amounts but in multiple transactions over the course of several days. I have included a copy of those transactions. I did return one of the items purchased at XXXX and they refunded {$10.00}, again receipt is attached. Anyways BOA sent me a letter saying that the merchant has " credited '' my account in the amount of {$10.00}. It was not a credit out of the kindness of their XXXX, it was a return. It just shows how much of a joke their " investigation '' was. It gets better as a few weeks later I got a letter saying that the so called " investigation '' was complete and I was deemed liable because " Based on your account history, this charge is consistent with previous charges with this merchant. '' What a joke. Basically because I shopped at XXXX before then I'm automatically liable. BOA is a huge bank and I'm sure they deal with fraud everyday so for them to sit there and act like they don't know how to conduct an investigation. They are abusing their power and size to crush little customers like us. I have had that card for a while and use it A LOT, I have probably charged more than {$100000.00} over time and they can look at my claims history. Only one in all those years if I recall well which was denied as well but I did not pursue further since I did not want to go through the hassle of filing complaints just like I'm doing now. I did call them back regarding XXXX XX/XX/XXXX the claim and someone named XXXX located in XXXX  just flat out lied saying the claim will be reopened. 
BOA is not a small bank by any means and I'm sure

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 monetary relief
Consumer complaint received 2025-10-27 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: CA

Complaint narrative:
I do not recognize these accounts and believe they were created fraudulently. I request their immediate removal and a proper investigation. Evidence is enclosed.

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 2025-10-27 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 formally disputing the following unauthorized inquiries on my credit report, which were conducted without my permission and in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b ). These inquiries lack any permissible purpose, as I did not initiate or authorize them, and their presence is damaging my credit score. This is an OUTRAGE, and I demand their IMMEDIATE REMOVAL! 
Unauthorized Inquiries in Question XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year> ( reported on Experian ) XXXX XXXX  on XX/XX/year> ( reported on TransUnion ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/year> ( reported on TransUnion ) XXXX XXXX XXXX ( XXXX XXXX XXXX  ) on XX/XX/year> ( reported on TransUnion ) XXXX XXXX ( XXXX XXXX or similar entity ) on XX/XX/year> ( reported on TransUnion ) As a victim of identity theft and a recent data breach, these inquiries are likely fraudulent. Under FCRA 15 U.S.C. 1681b, inquiries must have a permissible purpose, such as my written consent or a legitimate credit transaction. NONE EXISTS HERE! Your failure to remove them violates 15 U.S.C. 1681i ( a ) ( duty to reinvestigate ) and 15 U.S.C. 1681e ( b ) ( duty to ensure accuracy ).

I demand : IMMEDIATE REMOVAL of these unauthorized inquiries from my credit report.

A full investigation under FCRA 15 U.S.C. 1681i, with written confirmation of removal within 15 days.

Blocking of these inquiries under 15 U.S.C. 1681c-2 due to identity theft.

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 2025-10-27 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: ND

Complaint narrative:
The consumer reporting agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by neglecting to properly verify the accuracy and completeness of the information contained in my credit file. Despite my formal request for a full reinvestigation of all items reported, the bureau has either failed to provide adequate verification or continues to report information that remains unverified. This constitutes a clear violation of my rights under federal law and raises serious concerns regarding the integrity, accuracy, and reliability of my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I received an email stating that my account was restricted and to call to discuss the restrictions and how to keep my account open today XX/XX/year>. I called the listed number and was told that Chase is closing my account but wasnt given a reason why. They only told me that Chase has the right to close my account without providing a reason. However, Ive recently filed XXXX complaints regarding claims that I filed for fraudulent transactions on my account and feel that this is both retaliatory and an attempt to further delay providing me with the provisional credit that I should have received had they not denied my claim the same day that it was filed. I have bills to pay and am not able to wait for a check to be mailed after they resolve my claim. The fact that they would attempt to close my account before fully resolving my claims is very questionable behavior. There is not letter on the app under the Notices and Letters section, but they said the closure will take effect in the next 10 days. I do not wish for my account to be closed, but if they must close it at least wait until my claim is resolved and I am able to withdraw my funds without waiting up to 30 days for a check when my rent is already past due as a result of this mishandling of the claims and fraudulent activity on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: CT

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 response to consumer: Closed with non-monetary relief