vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: MD

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, XXXX, 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 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  Balance : {$1700.00}

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 2025-06-30 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: LA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information 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 XXXXXX/XX/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 2025-06-30 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: CBC Companies, Inc.
State: LA

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have paid a person XXXX dollars to view an apartment And when i said no for it Since its a refundable amount he had to send me the XXXX But he said he can send only XXXX which is set automatically in his mobile and asked for XXXX I tried to send him 6 times But he said it has not been received but from my side it was getting delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: IL

Complaint narrative:
I received a prepaid XXXX through XXXX with a balance of {$7.00}. I have been unable to use the card online ( e.g., on XXXX ), as it keeps getting declined with no clear explanation. 

The issuers website ( XXXX ) does not allow me to add a ZIP code or billing address, and I suspect that may be the issue. However, the card has never worked for me online, and I have not received any specific reason for the declines. Their Contact Us page is blank, and XXXX of their customer service email addresses bounced. I emailed XXXX on XX/XX/26 and have not received a reply. 

I have seen numerous online complaints from other consumers experiencing the exact same issue, many of whom report that they were unable to recover or use their funds. This raises serious concerns about whether the company is intentionally making redemption difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: SC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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:
I am disputing two XXXX accounts that are reporting inaccurately on my Experian credit report. These accounts are being re-aged each month as if they are new charge-offs, which is a violation of the Fair Credit Reporting Act. 

Specifically, these two XXXX accounts continue to show a charge-off status with a new date of last activity every month, even though the accounts were charged off long ago and have had no new activity. This is an illegal reporting practice. 

I am requesting a full deletion of both accounts from my credit file not an update due to repeated inaccurate and unlawful reporting behavior. 

XXXX  Account 1 : XXXX XXXX  Account 2 : XXXX Ive already disputed this directly with Experian, and they verified the accounts without correcting the illegal reporting. Im requesting the CFPB investigate this immediately and ensure full removal from my file.

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 2025-06-30 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: OH

Complaint narrative:
Subject : Dispute of Collection Account XXXX XXXX XXXX Account Number : XXXX To Whom It May Concern, I am writing to formally dispute a collection account reported by XXXX XXXX XXXX ( XXXX ) that appears on my Experian credit report. The information reported is as follows : Creditor : XXXX XXXX XXXX Account Number : XXXX Original Balance : {$1300.00} Date Opened : XX/XX/XXXX Status Updated : XX/XX/XXXX Balance as of XX/XX/XXXX : {$1300.00} On Record Until : XX/XX/XXXX I do not recognize this account, and I am requesting that Experian initiate a full investigation under the Fair Credit Reporting Act ( FCRA ) to verify the validity of this debt. 

Specifically, I request the following documentation : XXXX. A complete and unredacted copy of the bill of sale or assignment agreement showing that XXXX XXXX XXXX legally acquired this debt from the original creditor. 
XXXX. A full chain of title, documenting each transfer of ownership from the original creditor to XXXX XXXX XXXX. 
XXXX. A copy of the original signed contract or agreement, showing my liability for this alleged debt. 
XXXX. A full account statement and payment history, including how the amount of {$1300.00} was calculated. 

If XXXX XXXX XXXX can not provide this documentation to validate the debt, I am formally requesting that this account be deleted from my credit report immediately in accordance with FCRA guidelines. 

Please also mark the account as disputed during the course of your investigation. I have enclosed a copy of my government-issued ID and a utility bill to verify my identity and address. 

Thank you for your timely handling of this matter. I look forward to your written response within 30 days, as required by the FCRA. 

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 non-monetary relief
Consumer complaint received 2025-06-30 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: OH

Complaint narrative:
Subject : Dispute of Collection Account XXXX XXXX XXXX Account Number : XXXX To Whom It May Concern, I am writing to formally dispute a collection account reported by XXXX XXXX XXXX ( XXXX ) that appears on my Experian credit report. The information reported is as follows : Creditor : XXXX XXXX XXXX Account Number : XXXX Original Balance : {$1300.00} Date Opened : XX/XX/XXXX Status Updated : XX/XX/XXXX Balance as of XX/XX/XXXX : {$1300.00} On Record Until : XX/XX/XXXX I do not recognize this account, and I am requesting that Experian initiate a full investigation under the Fair Credit Reporting Act ( FCRA ) to verify the validity of this debt. 

Specifically, I request the following documentation : XXXX. A complete and unredacted copy of the bill of sale or assignment agreement showing that XXXX XXXX XXXX legally acquired this debt from the original creditor. 
XXXX. A full chain of title, documenting each transfer of ownership from the original creditor to XXXX XXXX XXXX. 
XXXX. A copy of the original signed contract or agreement, showing my liability for this alleged debt. 
XXXX. A full account statement and payment history, including how the amount of {$1300.00} was calculated. 

If XXXX XXXX XXXX can not provide this documentation to validate the debt, I am formally requesting that this account be deleted from my credit report immediately in accordance with FCRA guidelines. 

Please also mark the account as disputed during the course of your investigation. I have enclosed a copy of my government-issued ID and a utility bill to verify my identity and address. 

Thank you for your timely handling of this matter. I look forward to your written response within 30 days, as required by the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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 appreciate your attention to this matter. My name is XXXX XXXX I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I applied for the Chase Sapphire XXXX credit card on around XXXX XX/XX/year>, using a referral link from a friend : https : XXXX The referral page clearly advertised a XXXX welcome bonus after spending {$5000.00} in 3 months. This was the reason I applied for the card. However, after my card was approved, the Chase portal showed I am only eligible for XXXX points after completing the spending requirement. 

I contacted Chase, and they told me the remaining XXXX points would be awarded to my friend as a referral bonus. However, the referral page did not mention that the welcome bonus would be split or reduced for the applicant. The referral bonus should be separate and given in addition to the welcome offer advertised to the applicant. 

I believe this is a misleading and deceptive marketing practice. I am requesting that Chase honor the XXXX bonus that was clearly advertised on the referral page when I applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: FL

Complaint narrative:
Experian keeps reporting outdated information on my credit report and everytime I ask them for information verification they put the outdated information back on my credit report which is a violation of the fair credit act not only that none of my credit reports are the same which up under the fair credit act all information must be updated and reflect the same information then its all kinds of inquiries on my credit report I didn't authorize and they wont remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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:
Experian keeps reporting outdated information on my credit report and everytime I ask them for information verification they put the outdated information back on my credit report which is a violation of the fair credit act not only that none of my credit reports are the same which up under the fair credit act all information must be updated and reflect the same information then its all kinds of inquiries on my credit report I didn't authorize and they wont remove 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 2025-06-30 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-06-30 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: FL

Complaint narrative:
Subject : Complaint Against Equifax for Violation of 15 U.S. Code 1681i ( 5 ) and Failure to Remove Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15U.S.Code1681i ( 5 ) of the Fair Credit Reporting Act. 
Account Information : Creditor Name : XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Charge Off : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Amount : XXXX XXXX XXXX XXXX XXXX $ Despite providing clear evidence of the inaccuracies in the abovereferenced account and requesting its removal from my credit report, Equifax has failed to comply with the law and has retained the inaccurate account information. 
The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of Equifax to adhere to this requirement is a clear violation of 15U.S.Code1681i ( 5 ) and has caused me financial harm and distress.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against Equifax for its noncompliance with the Fair Credit Reporting Act. I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that Equifax upholds its obligations under the law.CC : Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX 
XXXX XXXX Washington, D.C. XXXX CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : XXXX XXXX XXXX CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 
Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation