vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am submitting this statement to notify you that I have already filed for identity theft. Despite taking the necessary steps, my personal information continues to appear in repeated data breaches. As a result, my credit report contains old accounts, old inquiries, and multiple inquiries that are inaccurate, unauthorized, and unverifiable. 

I do not know how my information continues to surface in these breaches, but I am receiving ongoing notifications about it. This situation has become a constant hassle, and it is causing ongoing harm to my credit profile. I am requesting that these inaccuracies be investigated and permanently removed as required under the Fair Credit Reporting Act ( FCRA ).

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 2025-09-24 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: MI

Complaint narrative:
I am filing this complaint against TRUEACCORD CORPORATION for reporting a fraudulent or unverified debt on my credit report. The company has placed a collection account with a balance of {$630.00}, but I have no record of any contractual or financial relationship with TrueAccord.

The credit report lists TRUEACCORD CORPORATION as the 'Original creditor, ' a statement that is both false and deceptive. TrueAccord is a third-party debt collector, not a legitimate original creditor. This misrepresentation violates federal law, specifically the Fair Debt Collection Practices Act ( FDCPA ). This includes : XXXX U.S. Code XXXX ( XXXX ) ( A ) : Prohibits a debt collector from making a 'false representation of the character, amount, or legal status of any debt. ' XXXX U.S. Code XXXX ( XXXX ) : Prohibits the use of 'any false representation or deceptive means to collect or attempt to collect any debt. ' XXXX U.S. Code XXXX ( XXXX ) : Prohibits communicating credit information 'which is known or which should be known to be false.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Global Credit & Collection Corporation
State: OH

Complaint narrative:
Global delivery service in Arizona which they say but I cant find them on XXXX keep calling and harassing my place of work and family members but they wont give me any contact information

Company response to consumer: Untimely response
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Claim XXXX was filed on XX/XX/year>, when the bank was informed the {$310.00} transaction for XXXX XXXX XXXX which posted to my account ending in XXXX on XX/XX/year>, was in dispute. They were advised that the services received were not as expected and if fact had to be redone by a different salon. I offered pictures and they never asked for them. 
I then requested an appeal to their decision to honor the payment on XXXX XXXX and was assured that they would contact me for pictures. I have these from the day the work was done. Never did I receive a phone call or anything to prove my complaint.I then received this message today ; Wells Fargo case number : XXXX Account number ending in : XXXX Dear XXXX XXXX : Thank you for contacting us. We completed our research and are providing details to address your concerns. 

Claim XXXX was filed on XX/XX/year>, when we were informed the {$310.00} transaction for XXXX XXXX XXXX which posted to your account ending in XXXX on XX/XX/year>, was in dispute. We were advised that the services received were not as expected. Based on the information you provided and our research, our XXXX Assistance XXXX found the transaction was authorized and that a processing error did not occur. Therefore, the claim was closed as unpaid. 

You contacted us again on XX/XX/year>, to dispute the findings of our XXXX Assistance XXXX. Upon receipt of your concerns, the Consumer, XXXX and XXXX Banking XXXX XXXX Office conducted our own investigation. In doing so, we found compelling evidence supporting the decision that we have already communicated to you. We stand by the decision made by our XXXX Assistance XXXX to decline your request for reimbursement of the disputed transaction. We suggest you contact the merchant directly to resolve this matter. 

While we realize the information provided may not be the resolution/response you were seeking, we hope this letter serves to clarity XXXX XXXX finding with regard to this matter. 



Case status We have closed the case as of the date of this letter. If we receive additional information, we will open a new case to address any remaining or new concerns. 

How to contact us We appreciate the time and effort you took to contact us. If you have questions, you may reach us at XXXX, Monday through Friday from XXXX XXXX to XXXX XXXX XXXX XXXX. We accept telecommunications relay service calls. 

If there is an attachment to this email and you can not read it, please contact us. 

Sincerely, XXXX XXXX. 

Escalations Representative Consumer, XXXX XXXX XXXX Banking XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD 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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I just recently looked at my credit report. I saw some hard inquiries that did not have permissible purpose. Can you reinvestigate the inquiries listed below. 

XXXX. XXXX - XX/XX/XXXX - This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX USC XXXX XXXX XXXX. XXXX - XX/XX/XXXX - This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX USC XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXXXXXX XXXX XXXXXXXX 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

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 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Hi, I applied for a credit card ( XXXX XXXX ) through Chase and was approved approximately XXXX month ago. Since then, I have attempted to receive the physical card XXXX times. Each time, Chase claimed the card was shipped via XXXX delivery ( XXXX of these was Rush Delivery ), but I never received any of them. 

Despite repeated calls to Chase customer service and multiple re-orders, I never received a single card. XXXX tracking showed the items as delivered, but no card ever arrived. I live at a secure and accurate address, and I did not authorize delivery to anyone else. I now believe these deliveries were either misrouted or never properly fulfilled. 

After a full month of failed delivery attempts and lack of resolution from Chase, I canceled the card. I have never activated or used the account. 

This situation has cost me significant time and stress. I was unable to use any credit or benefits, and I am now left with a hard inquiry on my credit report despite never having access to the card. 

I am filing this complaint because : - I never received the product I was approved for - Chase failed to deliver the card multiple times - I received no compensation, apology, or proper resolution - There was poor communication and no escalation support - My credit report now includes a hard inquiry for an account I never used I am requesting that : XXXX. Chase provide a written explanation and formal closure letter confirming that the account was never activated or used XXXX. The hard inquiry be retracted or flagged as disputed due to XXXX delivery failure XXXX. Chase reviews and improves their delivery and support systems Please assist me in holding the company accountable. Thank you. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing a complaint against [ XXXX  XXXX Experian ] for failing to maintain accurate and consistent credit reporting in violation of the Fair Credit Reporting Act ( FCRA ). 

Facts : The furnisher ( XXXX XXXX XXXX ) has failed to provide proper validation under FDCPA XXXX ( b ), yet [ XXXX/Experian ] continues to report and update the account, including a XX/XX/XXXX update. Reporting unverifiable debt violates both FDCPA and FCRA. 

XXXX has already deleted this account from my file due to lack of verification. The fact that [ XXXXExperian ] continues to report it while XXXX  does not demonstrates inconsistent and inaccurate reporting. 

My credit report contains different Date Opened and Last Reported values across bureaus, which violates FCRA XXXX ( a ) ( XXXX ) ( A ). 

I have attached a highlighted copy of my credit report showing these discrepancies : Yellow highlights : different Date Opened / Last Reported dates. 

Pink highlights : XX/XX/XXXX update made despite no validation. 

Green highlights : proof that XXXX  has deleted the account. 

I am a documented victim of the XXXX XXXX  XXXX XXXX ( FTC Report # XXXX ) and the XXXX XXXX  XXXX XXXX. Having been exposed in both breaches, I am at heightened risk of misattributed accounts being linked to me.

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 2025-09-24 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 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 XXXX 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 : INQUIRIES : XXXX OF XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$3700.00} XXXX OF XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$390.00} 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, XXXX as proof from the XXXX 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 2025-09-24 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FC HoldCo LLC
State: FL

Complaint narrative:
My name is XXXX XXXX I financed a vehicle with XXXX XXXX XXXX in XXXX for a XXXX XXXX model X. My date of birth is XX/XX/XXXX, when purchasing this vehicle from XXXX of I XXXX it was never reported to my credit report saying Im financing with XXXX. I had to do a repossession on this vehicle due to financial issues. The car was already picked up last year, however 2 years later after financing going through the repossession. It now shows on my credit report. It took XXXX years for XXXX  to report on my credit this vehicle and when doing so it shows as repossessed saying I missed many many payments. Which is strange when the car isnt even in my possession. I was never reached out or sent any mail to me showing a remaining balance to pay. I dont know if it was auctioned or sold or what happened to the vehicle. My issue is this shouldnt be on my report XXXX years later and with false information. Id like this completely removed from credit report. This is causing a major problem. Feel free to contact me via email or phone.

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 2025-09-24 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX CARD - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$9700.00} 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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: AR

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-09-24 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: AR

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX U.S. Code XXXX ) for deceptive and misleading 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 2025-09-24 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:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief