vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-05-14 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: IL

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXX XXXX XXXX * * * * * * * * * * Balance {$780.00} XXXX XXXX  * * * * * * * * * * * * * * Balance {$450.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX * * * * * * * * * * * Balance {$510.00} XXXX XXXX * Balance {$0.00} XXXX XXXX  XXXX * * * * Balance $ XXXX XXXX XXXX XXXX XXXX XXXX * * * * * * * Balance $ XXXX XXXX AUTO XXXX * * XXXX XXXX * * Balance $ 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 2025-05-14 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: IL

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXX XXXX XXXX * * * * * * * * * * Balance {$780.00} XXXX XXXX  * * * * * * * * * * * * * * Balance {$450.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX * * * * * * * * * * * Balance {$510.00} XXXX XXXX * Balance {$0.00} XXXX XXXX  XXXX * * * * Balance $ XXXX XXXX XXXX XXXX XXXX XXXX * * * * * * * Balance $ XXXX XXXX AUTO XXXX * * XXXX XXXX * * Balance $ XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX, I was informed that the bank has the right to close accounts without providing a reason. There was approximately {$4200.00} remaining in the account, and I was told the funds would be returned to me within XXXX weeks. 

It has now been over XXXX months, and I have still not received the funds. I previously received a response stating that a cashiers check was mailed on XX/XX/2024, and that if it was not received, I could request a reissue after XXXX days. 

As the XXXX period has now passed and I have moved to a new address, I would like to formally request that the cashiers check be reissued and sent to the following updated address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX CA, 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 monetary relief
Consumer complaint received 2025-05-14 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:
This CFPB complaint is submitted pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ) to formally request that Equifax block and remove the following fraudulent and unauthorized accounts from my consumer credit file within four business days of receiving this complaint. Additionally, under FCRA Section 611 ( 15 U.S.C. 1681i ), I dispute the accuracy of these accounts and request a full reinvestigation as required by law. 

The following accounts were fraudulently opened and must be permanently deleted from my report : A retail account with XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$0.00} An auto loan account with XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$11000.00} In accordance with FCRA Section 611, I also demand that Equifax provide full documentation of its reinvestigation, including the specific method of verification used and any physical evidence relied upon to verify the accuracy of each account. Without such documentation, these accounts constitute prima facie fraudulent reporting and must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am disputing a XXXX late payment reported by Goldman Sachs for my XXXX XXXX  account between XX/XX/XXXX and XX/XX/year>. I was not notified in writing prior to the negative reporting to the credit bureaus, which is a violation of the Fair Credit Reporting Act. 

I checked my balance late due to a financial reset and paid the full amount as soon as I noticed, without any intent to be delinquent. I received no emails, letters, app alerts, or calls warning me that my account would be reported as delinquent. 

I reached out to Goldman Sachs to request a correction, but they refused. Im now requesting that the CFPB require the creditor to verify they properly notified me in compliance with FCRA and ECOA, or that the negative mark be removed as unverifiable and unfairly damaging. 

I ask that this be fully investigated and corrected promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One Account Authorized User Creditor Name : XXXX XXXX - Account Status : Closed on XX/XX/XXXX - Reported Balance : {$490.00} - Credit Limit : {$300.00} - Account Opened : XX/XX/XXXX - Late Payments Noted : Multiple ( XXXX and XXXX ) - Last Reported : XX/XX/XXXX 2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX XXXX  : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XX/XX/year> XXXX XX/XX/year>

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 2025-05-14 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:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-05-14 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: GA

Complaint narrative:
XXXX placed my XXXX XXXX XXXX into forbearance on XX/XX/year>, and retroactively applied it to cover XXXX, XXXX, and XX/XX/year>. Despite this, they reported XXXX delinquencies for those same months to both Equifax and XXXX 

According to XXXX own letter dated XX/XX/year>, the loan was brought current on that date and was placed in XXXX Under XXXX student loan reporting rules and XXXX stated policies, a loan in XXXX should not be reported as delinquent. 

However, Equifax and XXXX continue to show XXXX past due marks for XXXX through XX/XX/year>. I submitted disputes to both credit bureaus and provided documentation, including billing notices from XXXX. Equifax closed their investigation stating the information was verified, but did not correct the inaccurate delinquencies, even though the loan was placed in forbearance and no longer past due. 

I also contacted XXXX directly and submitted documentation, but nothing has been resolved. These inaccurate marks are seriously harming my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: GA

Complaint narrative:
XXXX placed my XXXX XXXX XXXX into forbearance on XX/XX/year>, and retroactively applied it to cover XXXX, XXXX, and XX/XX/year>. Despite this, they reported XXXX delinquencies for those same months to both XXXX and Experian. 

According to XXXX own letter dated XX/XX/year>, the loan was brought current on that date and was placed in forbearance. Under XXXX XXXX XXXX reporting rules and XXXX stated policies, a loan in forbearance should not be reported as delinquent. 

However, XXXX and Experian continue to show XXXX past due marks for XXXX through XX/XX/year>. I submitted disputes to both credit bureaus and provided documentation, including billing notices from XXXX. XXXX closed their investigation stating the information was verified, but did not correct the inaccurate delinquencies, even though the loan was placed in forbearance and no longer past due. 

I also contacted XXXX directly and submitted documentation, but nothing has been resolved. These inaccurate marks are seriously harming my credit.

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 2025-05-14 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:
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 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
XXXX $ was taken from my account on XXXX occasions by XXXX - XXXX. XXXX 2025 - apr. XXXX 2025 - XXXX. XXXX 2025 - XXXX  XXXX 2025 I called chase bank to report these issues and chase has been completely impossible to deal with every support agent keeps giving me a bs script and not giving me any information i require. They refuse to provide the information on the provisional credit despite them telling me originally i will receive it in XXXX hours its been XXXX days still nothing. 
Then they locked my card and were supposed to send me a new one in the mail via rush delivery but them they didn't and I still have yet to receive it and every time I call XXXX informs me that I will be receiving it within XXXX hours and then i never do. To make matters worse the card they supposedly canceled got charged randomly on XX/XX/XXXX a whopping {$570.00} by XXXX and chase has been so impossible I had to call 7 times just to dispute this charge that NEVER should have occurred to begin with

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I spoke with XXXX from XXXX line the Fraud department and card member service XXXX XX/XX/year>. I reported that my credit card account ending XXXX is associated with some one who is not me. I know this because the questions staff ask to verify my identity do not match my accurate history. My phone number is not sent a security code and my security phrase does not match what is on file. 

Once again it seems like Chase as merged my credit card account with another Chase member with the same name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: FL

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : Chapter XXXX Bankruptcy 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 XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: NY

Complaint narrative:
b'Hello! I am requesting an immediate correction of the mentioned account. The three credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you.\nXXXX XXXX XXXX  Balance:\t $XXXX \nXXXX XXXX XXXX Balance:\t $XXXX\nXXXX XXXX  XXXX Balance:\t $XXXX\XXXX XXXX XXXX XXXX Balance: $XXXX\nXXXX  (Original Creditor: XXXX XXXX XXXX) XXXX  Balance: $XXXX\nXXXX XXXX Balance:\t$XXXX\nXXXX XXXX XXXX XXXX\t\nXXXX XXXX XXXX\t\nXXXX XXXX XXXX\t\nXXXX XXXX XXXXXXXX\t\nXXXX XXXX XXXX XXXX\t\nXXXX XXXX XXXX XXXX\nXXXX XXXX\t\nXXXX XXXX XXXX\t\nXXXX XXXX\t\nXXXX\t XXXX\t\nXXXX XXXX\t\t\nXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: NY

Complaint narrative:
b'Hello! I am requesting an immediate correction of the mentioned account. The three credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you.\nXXXX XXXX XXXX  Balance:\t $XXXX \nXXXX XXXX XXXX Balance:\t $XXXX\nXXXX XXXX  XXXX Balance:\t $XXXX\XXXX XXXX XXXX XXXX Balance: $XXXX\nXXXX  (Original Creditor: XXXX XXXX XXXX) XXXX  Balance: $XXXX\nXXXX XXXX Balance:\t$XXXX\nXXXX XXXX XXXX XXXX\t\nXXXX XXXX XXXX\t\nXXXX XXXX XXXX\t\nXXXX XXXX XXXXXXXX\t\nXXXX XXXX XXXX XXXX\t\nXXXX XXXX XXXX XXXX\nXXXX XXXX\t\nXXXX XXXX XXXX\t\nXXXX XXXX\t\nXXXX\t XXXX\t\nXXXX XXXX\t\t\nXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over XXXX  days since I filed my complaint.

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