vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: IL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

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 2025-06-17 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: OR

Complaint narrative:
On XX/XX/year>, I filed a CFPB complaint against XXXX XXXX XXXX for reporting an unvalidated XXXX account ( # XXXX ). That same day, TransUnion allowed that exact account to appear on my credit report, increasing my total reported collections and damaging my score. 

I had downloaded my full TransUnion report on XX/XX/year> and confirmed this XXXX account was not listed. Then, on XX/XX/year> within hours of my complaint the account suddenly appeared, and my collections total jumped by {$2700.00}. 

TransUnion allowed this to happen despite ongoing federal investigation of the debt, and despite no proper debt validation having been provided. They failed to conduct a reasonable reinvestigation or block reporting during a dispute.

This behavior violates FCRA 1681e ( b ) and 1681i, as they failed to ensure the information was accurate and not in dispute before publishing. I am requesting that this account be deleted and that a full reinvestigation of XXXX actions be conducted.

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 2025-06-17 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: FL

Complaint narrative:
I reviewed my credit report and saw there was a bankruptcy reporting on my credit report. I wanted to know how did the credit bureaus can report non public personal information on a major platiform. On XX/XX/year>, I written a letter to all credit bureau requesting an investigation. All 3 credit bureaus verified the public records. After I have done my long research, I found out that I have not given any credit bureau consent to report this private information. At this point I am applauded by the illegal practices. I deceided to write the bankruptcy Court in Florida to see if they reported the public records to the Credit Bureaus. On XX/XX/year> I sent a letter to the bankruptcy Court asking them did they report the public records account to the credit bureaus. I received my response back from the courtson XX/XX/year> stated the courts did not submitt any information to the credit bureaus. Now I am confused because I am aware that the credit bureaus verify all information from the original creditor. So I decieded to reach out to XXXX XXXX who obtain all public records information. I wrote a letter to XXXX XXXX on chakkengin their reporting of the bankruptcy,. I have attached a copy of the court letter stating that they do not report to the credit bureaus. To my surpise, XXXX responded by stating they have disputed the account with Experian. But I did not authorized XXXX to dispute the account with Experian. And Experian is not the only bureau that is reporting the bankruptcy. Right I am demanding for the deletion all the Bankruptcy reporting on all public platforms, Experian, XXXX, XXXX  and XXXX XXXX  to deleted immediately for violating my right for privacy and for violating the Grammar Leach Bailey Act ( other Federal Laws )

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reviewed my credit report and saw there was a bankruptcy reporting on my credit report. I wanted to know how did the credit bureaus can report non public personal information on a major platiform. On XX/XX/year>, I written a letter to all credit bureau requesting an investigation. All 3 credit bureaus verified the public records. After I have done my long research, I found out that I have not given any credit bureau consent to report this private information. At this point I am applauded by the illegal practices. I deceided to write the bankruptcy Court in Florida to see if they reported the public records to the Credit Bureaus. On XX/XX/year>XXXX  I sent a letter to the bankruptcy Court asking them did they report the public records account to the credit bureaus. I received my response back from the courtson XX/XX/year> stated the courts did not submitt any information to the credit bureaus. Now I am confused because I am aware that the credit bureaus verify all information from the original creditor. So I decieded to reach out to XXXX XXXX who obtain all public records information. I wrote a letter to XXXX XXXX on chakkengin their reporting of the bankruptcy,. I have attached a copy of the court letter stating that they do not report to the credit bureaus. To my surpise, XXXX responded by stating they have disputed the account with XXXX. But I did not authorized XXXX to dispute the account with XXXX. And XXXX  is not the only bureau that is reporting the bankruptcy. Right I am demanding for the deletion all the Bankruptcy reporting on all public platforms, XXXX, XXXX, TransUnion and XXXX XXXX  to deleted immediately for violating my right for privacy and for violating the Grammar Leach Bailey Act ( other Federal Laws )

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 2025-06-17 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: NJ

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 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 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
This company put a debt on my credit that is not mine without ever sending me a notice to pay as required by 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 2025-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Subject : Urgent Escalation Request for Release of Wire Funds Held After Recipient Account Closure ( XXXX : XXXX ) Dear Capital One Risk and Fraud Investigation Team, I am writing to formally escalate an unresolved matter regarding a wire transfer of {$24000.00} USD sent on XX/XX/year>, from my XXXX XXXX account to a Capital One account held by XXXX XXXX XXXX, which has since been closed by your institution. 

Ongoing Issue : Despite the recipient account being closed, Capital One has retained the funds under internal review without returning them to my account or providing a clear resolution. I am now facing a situation where both banks acknowledge the transaction, but Capital One is denying receipt of a key interbank document. 

Confirmation from XXXX : XXXX XXXX has confirmed to me directly that the Hold Harmless lettera necessary document to release the fundswas sent to Capital One on three separate occasions : XX/XX/year> XX/XX/year> XXXX has stated in writing that this was a valid and legitimate transaction and that they have followed all necessary procedures, including sending the Hold Harmless documentation. 

Dispute with Capital One : Capital One 's representatives have allegedly denied receipt of the Hold Harmless letter, which directly contradicts XXXX 's statement. As a customer, I am unable to directly access interbank documentation, and I am caught in an administrative deadlock while my funds remain in limbo. 

Formal Request : I respectfully request that Capital One : Acknowledge receipt of the wire transfer and reconcile internal communication regarding the Hold Harmless documentation. 

Confirm the current status of the investigation and review process. 

Release or return the {$24000.00} USD to my XXXX account promptly. 

Transaction Details : Amount : {$24000.00} USD Date of Wire Transfer : XX/XX/year> Sender Name : XXXX XXXX Sender Account : XXXX ( XXXX XXXX ) Sender Routing : XXXX Recipient Name : XXXX XXXX XXXX Recipient Account Number : XXXX Recipient Routing Number : XXXX XXXX  Reference : XXXX Chase Case ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In the past a credit card was opened through my authorization. I immediately disputed it because I did not authorize for any credit card to be opened. So recently this account was closed by the user and my credit score dropped XXXX points. So I submitted another dispute explaining this is not my authorization and to take it off my report. Once submitted I waited for the response and they explained that the information is accurate and will remain on my 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 2025-06-17 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:
I have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: PA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Im trying to purchase a home, but mismatched personal information on my credit report is causing serious delays. My name and other details dont align with my ID and other documents.

Ive included the letters and ID needed to update everything. Fixing this would help me move forward with both my home and future business plans. These errors have affected my life, and Im hoping they can be corrected soon.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: PA

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
XX/XX/XXXX, I payed off my entire balance of {$24000.00}. XX/XX/XXXX, I took advantage of a 0 % APR on balance transfers and moved {$7100.00} to back to BOFA. XX/XX/XXXX I was still paying my monthly fixed payment of {$270.00} which was set up on the initial larger balance. Prior to my XX/XX/XXXX payment date, I made an edit to my auto pay decreasing the fixed amount from {$270.00} down to the minimum amount due which came out to be {$71.00} due to the lower balance. This was confirmed from BOFA and an email sent on XX/XX/XXXX indicated they'd be taking that amount on the due date. XX/XX/XXXX payment date came around and not only did they take the agreed upon amount of {$71.00} but they also took the old amount of {$270.00}, without notice or permission. I've called 3 times now to fix this beginning on XX/XX/XXXX and most recently on XX/XX/XXXX. I have, upon their request, provided my checking acct # and routing # for them to return the funds which they have yet to do. The only help they have provided was to delete the entire auto-pay service from my account so in theory, they can not take any money from my checking account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX i have paid off my car. Since that date i have been calling Santander to as them for the titles. They have told me that Virginia law requires them to withhold titles for 20 days. I have explained that i am due to leave the country and that i needed to expedite the process, that i was happy to pay whatever was needed to get the papers faster. I have been told by numerous employees that the titles will be shipped on the XXXX of XXXX. They advised to set up a XXXX  account and so i did. They did not ship the titles. I called again on the XXXX and was told that they dont know when they will be able to ship them to me. I asked to speak to someone who os able to speed up the process but they were never willing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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:
I am writing to dispute accounts that have been fraudulently opened under my name. I did not authorize these accounts and was unaware of their existence. As per 15 U.S. Code 1681g, I request their immediate removal within 15 days. Relevant documents are enclosed.

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 2025-06-17 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 discovered a hard inquiry on my credit report that is unfamiliar and unauthorized. I kindly request its deletion to protect the integrity of my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and W2.

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 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Between the dates XX/XX/year> thru XX/XX/year> I have called J P Chase Morgan 14 times. Each representative has told me something different than the last. Representatives have refused to listen to me, talked over me, and/or completely ignored me. I was told by a representative on a RECORDED CALL that chase did not have the authorization to take my money however did so anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My repeated attempts to resolve the fraudulent, inaccurate, and misleading information on my consumer report have been met with inaction, leaving these unauthorized entries intact and continuing to damage my financial standing. These false records have profoundly impacted my life, generating significant stress and XXXX  that affects my daily functioning and peace of mind. As an identity theft victim, I never authorized or consented to having this harmful information associated with my name.

Company response to consumer: Closed with non-monetary relief