vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 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:
Subject : Follow-Up Complaint Regarding Verification of Fraudulent Accounts AND FINAL WARNING FOR INMEDIATE REMOVAL ACCOUNT To Whom It May Concern, I am writing to formally follow up on my previous complaint regarding the failure of TRANSUNIO to remove fraudulent accounts from my credit report. Despite my submission of a Police Report and an FTC identity theft report FTC Report Number : XXXX, [ TRANSUNIO ] has claimed that the disputed accounts have been " verified. '' The following fraudulent accounts remain on my credit report, which I have previously identified as resulting from identity theft : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681a ( 4 ) : Protects my privacy rights by ensuring that my credit information is accurate and not misrepresented.

15 U.S.C. 1681b ( 2 ) : Details permissible purposes for accessing my credit report, indicating that only authorized parties can access my information.

15 U.S.C. 1681i : Requires credit reporting agencies to conduct a reasonable investigation when information is disputed.

Additionally, I am invoking 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) to request the removal and to demand proof of its verification. Section According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Furthermore, under 15 U.S.C. 1681c-2, credit reporting agencies are mandated to block information identified as resulting from identity theft. The claim of " verification '' does not satisfy these requirements, and it is evident that [ Credit Bureau Name ] has not conducted a thorough investigation, nor have they taken the appropriate actions to remove this fraudulent information.

I also believe that the actions of [ Credit Bureau Name ] may constitute a violation of the Truth in Lending Act ( TILA ), as they have failed to adhere to the obligations concerning accurate reporting and consumer rights.

I request that the CFPB investigate this matter further and take necessary actions to ensure that these accounts are properly deleted from my credit report. I also seek guidance on the steps I can take to protect my rights as a consumer in this situation. 
Thank you for your prompt attention to this ongoing issue. 
Sincerely

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: HW Holding, Inc
State: TN

Complaint narrative:
I tried to apply for an apartment and was denied due to an eviction at a place I never stayed at. Its reporting that I owe {$380.00}. When I reached out to Hunter Warfield they stated that the fees is for application fees and NSF which is still not considered an eviction but its reporting as such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: CA

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 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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I was given a promotional balance deal in witch if you paid in a certain about of time you will be able to have a XXXX interest rate. The original amount was returned as we return the items back in warranty that the company provided. After this the company refuse to return the interest as part of the

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
On XX/XX/2025 I overpaid my car payment by paying twice in the amount of {$550.00}. I have called 5 times since XX/XX/XXXX requesting why I have not received this check they said they were sending me in the amount of {$550.00}. The first time they sent it they had the wrong address on file. Since then every time they process it to be re sent to my correct address it gets voided. I called on XXXX, XXXX, XXXX, & today XXXX. Every time theyve said to wait 15 days and I should have the check & every time I dont receive it I call back and they tell me its either still processing or has been voided due to me calling and requesting information. I just want my money back.

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 2025-09-09 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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 

I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2025-09-09 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: GA

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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>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 2025-09-09 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: FL

Complaint narrative:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Experian has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ). Under FACTA Title I, Section 151, consumer rep
orting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Account Name : XXXX  # XXXX  -Date Opened XX/XX/XXXX -Balance {$200.00} Account Name : XXXX XXXX XXXX # XXXX -Date Opened XX/XX/XXXX -Balance {$190.00} Account Name : XXXX # XXXX -Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Attorneys USA LLC
State: FL

Complaint narrative:
XXXX XXXXXXXX, the original creditor for a previously forgiven debt, has failed to follow federal laws by sending repeated automated emails regarding this discharged debt and transferring the zombie debt to COLLECTION ATTORNEYS USA LLC. These actions constitute violations of federal statutes and have caused significant emotional, financial, and personal harm. 

Legal and Statutory Basis : FDCPA, 15 U.S.C. XXXX et seq. Prohibits collection of discharged debts and any abusive, deceptive, or unfair collection practices. 

FCRA, 15 U.S.C. XXXX et seq. Prohibits reporting of previously resolved debts and reinsertion of zombie debts. 

XXXX XXXX CFPB, XXXX XXXX. XXXX, XXXX Grants authority to the CFPB to regulate and enforce against unfair, deceptive, or abusive acts or practices by creditors and debt collectors. 

Tort Law / Emotional Distress : Restatement ( XXXX  ) of XXXX XXXX, XXXX ; XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) Supports recovery for willful/reckless misconduct causing emotional harm. 

No Proof Required Cases : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ; XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX  XXXX ) ; XXXX v. XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) ; XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Establishes statutory liability without proof of actual harm. 

Victim Impact Statement : XXXXXXXX XXXX actions have caused severe emotional distress, XXXX, anxiety, depression, loss of XXXX function, loss of appetite, and significant disruption to my financial stability, housing, vehicle, educational plans, and overall quality of life. 

Desired Resolution : Full acknowledgment of responsibility by XXXX, XXXX for all violations. 

Confirmation that the forgiven debt will not be reported, transferred, or sold again. 

Assurance that no further automated communications will be sent regarding the forgiven debt. 

Compensation for statutory, actual, punitive, and unitive damages caused by these violations. 

Immediate communication confirming all corrective actions and compliance with applicable federal and state laws. 

Additional Actions : This complaint is being filed concurrently with the FTC and XXXX to ensure full legal compliance and enforcement. XXXX, XXXX is legally obligated to resolve this matter promptly and completely to prevent further harm and additional legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: IL

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: AL

Complaint narrative:
I recently check my credit report and noticed an account ( XXXX XXXX ) reporting inaccurate information. Per the FCRA, it is my right to have a fair and accurate credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: SC

Complaint narrative:
I am filing a complaint regarding identity theft that has resulted in fraudulent accounts and credit inquiries being reported under my name. I did not authorize these accounts or inquiries, yet they appear on my credit report. I contacted the credit bureaus in writing, providing details of each unauthorized account and inquiry, and supplied my FTC Identity Theft Report. Despite this, these fraudulent items remain on my credit file. This has negatively impacted my credit, caused emotional stress, and created barriers to my financial stability. I am requesting immediate investigation, removal of the fraudulent information, and restoration of my accurate credit history

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 2025-09-09 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: CA

Complaint narrative:
I am formally disputing the unlawful reinsertion of a previously deleted and inaccurate account on my consumer credit report. Your actions constitute multiple willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Details of the Disputed Account Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, INQUIRY, INQUIRY, INQUIRY This account was previously deleted following my prior dispute, yet you have reinserted it without providing the legally required notice or proof of certification from the furnisher of information. This reinsertion is both unlawful and damaging to me. 

FCRA Violations Your actions violate multiple provisions of the FCRA, including but not limited to : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Reinserted items must not be placed back into a consumers file unless the furnisher certifies the accuracy and completeness of the information, and written notice is provided to the consumer within 5 business days. You failed to comply.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : You are required to conduct a reasonable reinvestigation of disputed items. No such proper reinvestigation has occurred.

15 U.S.C. 1681e ( b ) : You are required to follow reasonable procedures to ensure maximum possible accuracy of consumer reports. Allowing an unverifiable and inaccurate item to reappear demonstrates reckless disregard of this duty.

15 U.S.C. 1681c-2 : You are required to block and remove information that is the subject of identity theft or inaccurate reporting upon notification. Reinsertion of unverifiable data is a clear violation.

15 U.S.C. 1681n and 1681o : Willful and negligent noncompliance with the FCRA subjects you to civil liability for actual damages, statutory damages of up to {$1000.00} per violation, attorneys fees, and punitive damages.

Demands Accordingly, I demand the following : Immediate deletion and permanent blocking of this account from my credit file.

Written confirmation within 15 days that this account has been permanently deleted and will not be reinserted in the future without full compliance with 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Compensation for damages caused by your unlawful reinsertion, including but not limited to {$1000.00} per violation as allowed under 15 U.S.C. 1681n, as well as any actual damages sustained.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Complaint Against JPMorgan Chase Bank , N.A . 

I am filing this complaint regarding the mishandling of my checking and savings accounts at Chase Bank. 

I deposited a settlement check that my sister signed over to me. To ensure everything was legitimate, we both went into a Chase branch together with proper identification and documentation. This check was part of a malpractice settlement from our late mother, and our lawyer was fully involved in the process. 

Despite providing all necessary documents, Chase locked my accounts. Since then, I have been unable to access my funds. This has made it impossible for me to cover my living expenses, including rent and bills, and has left me stranded in California with no access to my own money. 

I have reached out to Chase on multiple occasions, both over the phone and in person at branches. Each time, I have been treated rudely and dismissively, and I am repeatedly told the same vague responses without any resolution. At one point, Chase even issued me a check for only {$63.00}, despite the fact that I had over {$70000.00} in my accounts. 

Chase has failed to provide any clear explanation, timeline, or path forward to resolve this matter. Their actions have caused me financial hardship, emotional distress, and put me in a vulnerable living situation. 

I am requesting immediate intervention by the CFPB to ensure that Chase releases the full balance of my funds and provides a clear explanation for their actions. 

Thank you for your attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: GA

Complaint narrative:
XXXX XXXX, ( XXXX ) XXXX, ( Date of Birth ) XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX. XXXX BANK XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC Number ) XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-09-09 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: CA

Complaint narrative:
I have disputed several inaccurate accounts on my credit reports multiple times ( a total of XXXX rounds, XXXX most recently ). Despite these disputes, Equifax, XXXX XXXX XXXX continue to report conflicting and factually incorrect information. 

XXXX XXXXXXXX XXXX Two separate entries with the same account number are reporting with different balances ( {$1100.00} vs {$590.00} ). This is a duplicate and inaccurate. 
XXXX XXXX XXXX is inconsistent across bureaus, with different balances and last activity dates. 

XXXX XXXX This account shows conflicting statuses such as Profit & Loss Write-off, Merchandise Repossessed, and Charged-off Bad Debt. All three can not be true. 
XXXX XXXX amounts and statuses differ across the bureaus. 

XXXX XXXX This is a debt buyer, not the original creditor. It has already been removed from XXXX or more bureaus, but still remains on others. Without full proof of assignment, it should not be reported. 

Other collections Some collections that were deleted by XXXX bureau are still being reported by others. 

These issues violate the Fair Credit Reporting Act, including the duty to report with maximum possible accuracy and the duty to reinvestigate disputed information. 
I have provided disputes and supporting documentation, but the bureaus have continued to verify or leave inaccurate and conflicting information. This has harmed me by lowering my credit scores, limiting access to credit opportunities, and causing financial and emotional distress. 

I am requesting that these inaccurate tradelines be deleted immediately, or that the bureaus provide full supporting documentation to prove the accuracy of each tradeline.

Company response to consumer: Closed with non-monetary relief