vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Phone : XXXX Email : XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Date : XXXX XXXXXX/XX/XXXX Subject : Formal Identity Theft Dispute FCRA 605B, 609 ( e ), 611, and XXXX XXXX Compliance Demand for Permanent Deletion Within 4 Days Dear TransUnion Dispute Department , This is a formal dispute under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX Compliance Guidelines. I am a documented victim of identity theft ( FTC Identity Theft Report No. 
XXXX, dated XX/XX/XXXX ). You are already in possession of my identity theft report and proof of identity. 
Despite this, TransUnion continues to report fraudulent accounts and identifiers on my file, which is a direct violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) requiring you to block fraudulent tradelines within 4 business days once proper documentation is submitted.

Fraudulent Accounts and Inquiries to be Deleted Immediately : XXXX XXXX Acct. No. XXXX Opened XX/XX/XXXX Balance {$1700.00} XXXX XXXX Acct. No. XXXX Opened XX/XX/XXXX Balance {$2700.00} XXXX XXXX  ( XXXX XXXX ) Acct. No. XXXX Opened XX/XX/XXXX Balance {$27000.00} XXXX XXXX Acct. No. XXXX Opened XX/XX/XXXX Balance {$1800.00} Inquiries : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX These accounts, inquiries, and identifiers are not mine. They are the result of identity theft and must be permanently removed.

Legal Requirements You Must Follow 1. 2. 3. 4. FCRA 605B Block/delete fraudulent items within 4 business days.

FCRA 609 ( e ) Provide all records relating to these accounts, including original signed contracts with my wet-ink signature if you claim ownership.

FCRA 611 ( a ) ( 5 ) Deleted data must remain deleted permanently unless you can provide verifiable, original documentation.

FCRA 616 & 617 Non-compliance exposes TransUnion to civil liability, statutory damages, punitive damages, and attorneys fees.

My Demand Immediately block and delete all fraudulent tradelines, inquiries, and identifiers listed above.

Provide written confirmation of deletion within 4 business days of receipt of this letter.

Cease reporting these items to any third party going forward.

Failure to comply will result in escalation, including complaints to the CFPB, the Texas Attorney General, and a private civil action under federal law.

Sincerely, XXXX XXXX XXXX Enclosures : FTC Identity Theft Report ( # XXXX ) Proof of Identity ( Drivers License & Utility Bill ) Copy of TransUnion Report ( 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 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing this complaint regarding an unfair account closure and dispute resolution by JPMorgan Chase. 

I had a checking account with Chase approximately XX/XX/year>2024 During that time, I booked an XXXX but never stayed at the property. When I requested a refund from the XXXX host, they refused to return my money. I then disputed the charge through Chase, as I believed I was entitled to a refund for services not rendered. 

Chase investigated my dispute and later informed me that the XXXX host provided proof that I stayed at the property. This is completely false I never stayed there. Chase sided with the host, closed my dispute, and then closed my entire account, effectively banning me from banking with Chase again. 

This decision has had a long-term impact on me. I now can not open another Chase account, and I am being penalized for something that was outside my control. I was simply trying to get my money back for a service I did not receive. 



Why this is unfair : I was never given a chance to see or challenge the proof the host submitted. 
I was not staying at the XXXX and can provide a statement to that effect. 
Closing my account was a disproportionate action, especially since I had no other issues or overdrafts. 
I was not given a clear written explanation of why the account was closed or how I could appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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:
Please remove these accounts. These are associated with identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
My promblem is my car was repossessed and I have been calling the lender to assist me and I have just being put on hold for hours at a time. I having been following the protocol on what Im suppose to do but as I said Im contacting the lender since XXXX XXXX and its now XXXXXXXX XXXX and still have not spoke to one person. I have emailed them spoke to a live agent and Im not getting the attention this matters need.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Data. Breach XXXX XXXX  auto loan. &. XXXX loan accounts are inacurately. Being reported And must be removed.

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 2025-09-26 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:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-09-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-26 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:
b'XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX TX XXXXXXXXSubject: Formal Dispute of Inaccurate/Negative Items Under FCRA  Request for Immediate Deletion\n\nDear Experian,\nI am writing to formally dispute 1 inaccurate, unverifiable, and outdated item listed on my credit report. Under the Fair Credit Reporting Act (FCRA), I am entitled to a fair, accurate, and substantiated credit file. I am also protected under the Fair and Accurate Credit Transactions Act (FACTA) from the harmful impact of identity theft and data misuse.\nGiven the XXXX  data breach of XXXX, in which the personal information of over 147 XXXX  XXXXincluding names, Social Security numbers, dates of birth, and addresseswas compromised, and the more recent XXXX XXXX XXXX XXXX XXXX in XXXX as well as the XXXX XXXX  breach exposing over 16 XXXX  passwords and credentials, it is no longer reasonable to assume that every item on a credit report genuinely belongs to the consumer without independent verification.\nDue to the magnitude and frequency of these massive data breaches, I am requesting that the following accounts be thoroughly investigated and permanently deleted from my credit file if any of the information cannot be 100% verified with original source documentation:\n\nAccounts in DisputeXXXX XXXX XXXX XXXX XXXX XXXX XXXXAccording to the FCRA:\n\tYou must complete your reinvestigation within 30 days of receiving this dispute.\n\tIf an item cannot be verified, it must be deleted from my credit report.\n\tYou are also required to notify me in writing of the results of your investigation.\nAdditionally, I demand you provide:\n1.\tThe name, address, and contact information of each data furnisher for the accounts in question.\n2.\tA description of the procedure used to determine the accuracy and completeness of the information.\n3.\tProof of my authorization or contractual obligation for the items listedespecially in light of known breaches and potential fraudulent use of personal data.\nFailure to respond within 30 days will result in formal complaints being filed with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and my state Attorney Generals office.\nAs a consumer exercising my rights under federal law, I expect your full compliance with the FCRA and FACTA. This is not a frivolous disputethis is a good-faith effort to correct a credit report marred by inaccurate and potentially fraudulent information.\nPlease confirm receipt of this letter and inform me once the disputed information is deleted.\n\nSincerelyXXXX 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 2025-09-26 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:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to XXXX. I have provided all necessary documentation for its removal, and I earnestly request its deletion 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 explanation
Consumer complaint received 2025-09-26 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:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to XXXX. I have provided all necessary documentation for its removal, and I earnestly request its deletion 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 explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Last year I was having issues with my checking account. I was notified by chase that I should close these accounts, later Chase ended up closing them for me. They had never stated that I can not open new accounts. I had opened a new checking, joint checking and savings. After setting up my direct deposit, establishing routine deposits in my wife and my joint account, I visit Chase bank to deposit a check and they say my account is restricted. I call customer service and without reason they state Chase no longer wants to do business with you. Your accounts will be closed in 10 days. I have been a Chase customer since I was in high school. I have my mortgage, car loans, credit cards all with Chase. I find it difficult to believe that they will not allow me to bank there. The accounts even still show up normal on the app and I received no notices in the mail about this, also no secure messages.

I am hoping to just regain access to my accounts and for this to just be a clerical mistake.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint against the three major credit bureausExperian, XXXX, and XXXX ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and XXXX industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ).

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court.

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and XXXX XXXX Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

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 XXXXXX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require Experian, XXXX, and XXXX  to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

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 2025-09-26 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I am formally disputing fraudulent and inaccurate information appearing in my consumer files with ChexSystems and XXXX XXXX XXXX. I am a victim of multiple data breaches in which my personal information, including my Social Security number and financial details, was unlawfully exposed. This has resulted in identity theft and the fraudulent misuse of my information, causing serious harm to my consumer reports.

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 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My information is being released into the data breach constantly and idk how, I have inaccurate, unverifiable and unauthorized information on my full credit report, this Is taking a toll on MY financial progress, I am a victim of identity theft..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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 did not authorize these accounts, and I suspect they are fraudulent. I request that you look into the matter and delete them from my credit record. Attached are the necessary documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: AR

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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:
This late payment listing is inaccurate and uncharacteristic of my payment history. I request that it be investigated and deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I have been unable to access my own funds through my American Express XXXX Checking account for more than a week. Despite having over {$80000.00} in the account, multiple withdrawal attempts at ATMs listed on American Expresss free ATM network were declined, and I was told by customer service that there was no plausible explanation.

I have spent countless hours on the phone with representatives, including one ( XXXX ) who admitted that American Express could not explain why I was being denied access to my money. Despite opening a support ticket, the issue has not been resolved.

American Express is effectively holding my funds hostage, preventing me from withdrawing cash and forcing me to consider moving my money elsewhere. This has caused significant stress, wasted time, and inconvenience. I tried to access my funds on XX/XX/year> multiple times from multiple ATM 's listed on the AMEX XXXX checking account website without success. 

I have received the following message each time : This transaction has been declined by your financial institution. Please contact your financial institution for assistance. Please take your card. '' I've included a photo of the error message I've received as well as the tracking numbers for certified letters I've sent to American Express.

Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Balance : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Possible Financial Inc
State: FL

Complaint narrative:
I defaulted on a possible finance loan, it went to indebted I paid indebted the amount and when I requested a pay off letter I was told that they could not do it as indebted only sends information to them once every 60 days even tho I have verification of payment made

Company response to consumer: Closed with explanation