vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX, who resides at XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX and I recently reviewed my credit report. I noticed an issue with the account listed as XXXX XXXX, which is not reporting correctly. The report indicates four late payments, which is inaccurate. I consistently pay on time, as my accounts are set to AutoPay. It is essential for consumer reporting agencies to ensure all information is reported accurately, and in this case, this account should not reflect any late payments. I tried to fix this with all XXXX credit reporting agencies TransUnion, Equifax, Experian and they refuse to resolve this. The report shows the following late payment records : XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 60 days late ) XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 30 days ) These inaccuracies keep my credit score down and prevent me from growing in life as a man. Please take the necessary action to correct this and comply with the law under 15 USC 1666b. I would appreciate confirmation once the corrections are made. I have already created an FTC as well. FTC Report NumberXXXX I also noticed an issue with the account listed as XXXX XXXX, which is not reporting correctly. Two inaccurate reporting and needs to be updated please. 

XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 60 days late )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/scrub>XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # XXXX as proof from the US 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 non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On my consumer report it states that I owe these person and I have no known knowledge of this account they go by XXXX XXXX XXXX opened on XX/XX/year> in the amount of {$1200.00} I HAVE NOT SUPPLIED PROOF UNDER DOCTRINE OF ESTOPPEL BY SILENCE, ENDELHARDT V. GRAVENS ( mo ) 281 SW 715.719. I PRESUME THAT NO PROOF OF ALLEGED DEBT NOR THEREFOREANY SUCH DEBT, IN FACT THEREFORE EXISTS.

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 2025-04-03 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: MO

Complaint narrative:
After reviewing my consumer report I notice that there was a late payment being reported late on XX/XX/year>. That payment was in fact made on time and I have never been late. My payments are all set to auto draft on due date and was in fact received by the creditor by the due date. I also noticed inconsistencies and incompleteness with reporting in which concludes that errors were made when reporting said case on my consumer file. It is the duty of the consumer reporting agencies to report all information with maximum accuracy and completeness. I have attached a copy of my report for the payments made month/year XX/XX/year> along with my dispute that I mailed to them. I also have attached another consumer reporting agency that shows I was in fact paid on time for date XX/XX/year>. 

I'm demanding that this payment be updated to paid on time/ never late. They can't report information on my consumer report with knowledge that there is an error being made. Due to error Im requesting removal of 30 day late immediately. Please send me an updated report reflecting those changes. Thank you

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 2025-04-03 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: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I never received information for an unauthorized charge. XXXX was returned with item sent. Company is being difficult. American Express gave me a solid decision they refunded the {$3600.00} and it was final then they reversed it after that. I need item or my money or someones name I can file a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: NY

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to TransUnion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2025-04-03 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: MA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-03 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: MA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX XXXX : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security XXXX XXXX XXXX XXXX resident of XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 

Affidavit : XXXX Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX XXXX Security Freeze Request : a. I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
b. This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
XXXX Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number.

4- Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5- Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
My chase account was hacked and some tried to send money through XXXX account and when I called they said its nothing they can do about it and my funds where stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-04-03 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-03 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: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed accounts, as Experian inaction violates federal law and my rights as consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had someone give me a check for {$500.00}. I became suspicious that the check was a bad check. I sent a message to the bank saying I thought the check was fraud. Then the bank closes my debit card and puts restrictions on the account. XXXX was supposed to deposit my check into a different account but instead deposits the check into Chase. Chase will not let me have that small amount of money. Chase said I had to open a new account, be careful with it and when the time is right they will allow me my XXXX. I wanted to close the account but Chase wont let me. 

I sat for two hours at the branch today opening a new account, this evening I saw email after email come through from Chase saying I was sharing my new bank data with then the company name. Some of these places I have NEVEr heard of. I called Chase tonight. I was transferred six time. I could not get help. There is no reason that Chase should be holding my money. Please find out why they sent out a slew of emails giving companies access to my account. What would be the point of closing my account if they are broadcasting that it is open? 

I am so sick of companies like Chase. Please tell me how could they legally hold my money? This was a direct deposit. I dont have a debit card, they closed it. They wont give me a check or cash to get the money. This is some sort of punishment for a bad check I didnt write. I even told Chase the guy sent me a copy of his ID if they want it, but they dont want it. I need to be compensated for Chase holding my money and then spreading to the world that our accounts are linked if anyone wants to look. One of the Chase employees said to me, well you gave these people access. First of all NO and second of all this is a new account!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
I ordered a XXXX internet plan from XXXX XXXX in XXXX of XXXX. In XXXX of XXXX XXXX XXXX  rebranded to XXXX XXXX and no longer offered Copper internet or satellite services. After giving official notification to its customer of this change, XXXX XXXX continued to charge me for the original value of the XXXX of internet services even though I was receiving less than XXXX per month. A technician from XXXX XXXX confirmed the discontinue service to my internet at the visit on XX/XX/XXXX. I immediately called XXXX XXXX to attempt to get fiber services. My landlord later denied the installation for XXXX XXXX. I called XXXX XXXX again to attempt to get internet services through their sister company provider ( XXXX ). It was later discovered that XXXX only offered satellite services in remote areas only. At this time I called and cancelled services. Myself and representative spoke about the prior balances for services that I did not receive. The rep assured me that she would process a request to get that amount prorated to the amount of services received ( which was less XXXX of service ) and that I should here from someone soon. Lastly, In the final additional call of cancellation, they assured me again that my bill will be prorated. That never happened and instead that balance minus my last payment was sent to a collection agency ( RADIUS GLOBAL SOLUTIONS ). This derogatory remark has caused a XXXX point reduction in my credit profile and eventually damages my livelihood.

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 2025-04-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Subject : Urgent Assistance Required Withheld Funds by Clover Network Dear CFPB Representative, My name is XXXX XXXX, and I am the owner of XXXX XXXX XXXX, a licensed XXXX XXXXXXXX in California ( XXXX # XXXX ). I am reaching out regarding an unresolved issue with Clover Network, a merchant services provider, concerning the closure of our account and the withholding of funds without clear justification or a release timeframe.

Issue Summary : 1. Clover Network closed our merchant account without prior notice or explanation.

2. They are holding {$7500.00} in funds without providing a timeline for release. 

Background : In XX/XX/XXXX, our company completed a project for a client, XXXX XXXX, which involved the temporary removal and reinstallation of existing solar panels to accommodate a roof replacement. The customer made a {$7500.00} payment via Clover on XX/XX/XXXX ( payment confirmation attached ). 

On XX/XX/XXXX, we received an email from Clover 's Risk Department requesting details on certain transactions ( unrelated to XXXX XXXX project ). We promptly provided the requested information ( email correspondence attached ). Despite this, when XXXX XXXX payment was processed the next day, Clover withheld the funds and subsequently closed our account.

Since then, I have made multiple attempts to resolve this matter : - Contacted customer service, escalated to supervisors, and formally requested the release of funds.

- Was initially informed that the funds would be released within 90 days, yet no action was taken. 
- On XX/XX/XXXX, a supervisor named XXXX assured me the funds would be releasedthis has not happened. 
- On XX/XX/XXXX, another supervisor stated that the XXXX Department had not provided a timeline for releasing the funds and implied it could be indefinitely withheld under potential fraud concerns. 

Key Concerns : -Lack of Justification : We are a licensed business with a clear transaction history. No customer has reported fraud, including XXXX XXXX, who confirmed she made the payment knowingly ( her statement attached ). 
-No Due Process : There is no communication channel to directly address concerns with Clovers Risk Department.

-Financial Hardship & Business Impact : Withholding funds without cause disrupts small businesses like ours and raises ethical and legal concerns regarding fair business practices.

Request for Assistance : I respectfully request the CFPBs assistance in resolving this matter and ensuring that financial service providers adhere to fair business practices. Additionally, I urge consideration of potential regulatory reforms to prevent similar issues for other licensed businesses. 

I appreciate your time and attention to this issue and look forward to your guidance. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XX/XX/XXXX - XXXX left off XXXX XXXX XXXX Credit report Pulled XX/XX/XXXX and discovered the Mortgage is not in my name and is not on my credit report. 
Called Loan officer and They said My Spouse locked me out.

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