vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 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: SC

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the

FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable
reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-08-25 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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 ( 15 U.S. Code 1692e ) 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 2025-08-25 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the XXXX  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  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$260.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} 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 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 2025-08-25 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am formally disputing the inaccurate reporting of late payments on my account with AMERICAN EXPRESS ( ACCT. NO. XXXX ). The late payment history currently reflected in my credit profile is false, misleading, and without factual basis. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2, which requires furnishers of information to report with accuracy and integrity. Furnishers are prohibited from knowingly or negligently transmitting false information to consumer reporting agencies, and the continued reporting of these inaccuracies demonstrates noncompliance with federal law. 

As a furnisher of consumer credit data, AMERICAN EXPRESS has a statutory duty under FCRA 1681s-2 ( a ) ( 1 ) ( A ) to ensure that all information provided to consumer reporting agencies is accurate and complete. Reporting late payments that never occurred not only damages my creditworthiness but also undermines the legal framework designed to ensure fair and reliable credit reporting. Furthermore, under FCRA 1681s-2 ( b ), once notified of a dispute, a furnisher must conduct a reasonable investigation, review all relevant records, and promptly correct or delete any inaccurate or unverifiable information. Any failure to comply with these obligations places AMERICAN EXPRESS at risk of liability under federal law. 

I demand that AMERICAN EXPRESS immediately reinvestigate this account and provide documented verification of the alleged late payments. If no verifiable records can be produced confirming the accuracy of the derogatory information, AMERICAN EXPRESS must cease its continued reporting and immediately instruct all consumer reporting agencies to delete the false data. Furnishers can not rely on automated reporting systems or unverifiable internal records to justify inaccurate reporting. Willful disregard of these requirements constitutes a violation of both the FCRA and federal consumer protection principles. 

Please be advised that failure to correct this misinformation subjects AMERICAN EXPRESS to civil liability under FCRA 1681n and 1681o, including actual damages, statutory damages, punitive damages, and recovery of attorneys fees. If AMERICAN EXPRESS does not take immediate corrective action, I will escalate my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: TN

Complaint narrative:
I was not notified that my loan had entered repayment status, nor did I receive any billing statements, due date reminders, or notices of past due amounts. I first became aware that my account was delinquent only after it was reported as 90 days late on my credit report. 

I believe this is a violation of my borrower rights and the servicers obligation to provide proper notice of repayment and delinquency. Under federal law, servicers are required to send billing statements and delinquency notices before negative information is reported to the credit bureaus. I was denied the opportunity to make timely payments or bring my account current prior to the damaging credit reporting. 

This inaccurate and unfair reporting has caused significant harm to my credit scores, affecting my ability to qualify for credit and housing. 

When I was made aware of the problem, I immediately contacted XXXX and set up repayment, and was told that the late payment information would be removed. It has been more than XXXX months, and the negative credit history is still 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 2025-08-25 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: TN

Complaint narrative:
I was not notified that my loan had entered repayment status, nor did I receive any billing statements, due date reminders, or notices of past due amounts. I first became aware that my account was delinquent only after it was reported as 90 days late on my credit report. 

I believe this is a violation of my borrower rights and the servicers obligation to provide proper notice of repayment and delinquency. Under federal law, servicers are required to send billing statements and delinquency notices before negative information is reported to the credit bureaus. I was denied the opportunity to make timely payments or bring my account current prior to the damaging credit reporting. 

This inaccurate and unfair reporting has caused significant harm to my credit scores, affecting my ability to qualify for credit and housing. 

When I was made aware of the problem, I immediately contacted XXXX and set up repayment, and was told that the late payment information would be removed. It has been more than XXXX months, and the negative credit history is still 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 2025-08-25 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: TN

Complaint narrative:
I was not notified that my loan had entered repayment status, nor did I receive any billing statements, due date reminders, or notices of past due amounts. I first became aware that my account was delinquent only after it was reported as 90 days late on my credit report. 

I believe this is a violation of my borrower rights and the servicers obligation to provide proper notice of repayment and delinquency. Under federal law, servicers are required to send billing statements and delinquency notices before negative information is reported to the credit bureaus. I was denied the opportunity to make timely payments or bring my account current prior to the damaging credit reporting. 

This inaccurate and unfair reporting has caused significant harm to my credit scores, affecting my ability to qualify for credit and housing. 

When I was made aware of the problem, I immediately contacted XXXX and set up repayment, and was told that the late payment information would be removed. It has been more than XXXX months, and the negative credit history is still reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Block, Inc.
State: NC

Complaint narrative:
They have took over XXXX dollars from me due to transactions I didnt approve of

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Hello, my boss gave my some checks since I was working for him but his establishment closed down so he was giving me what he owed me. When I put the checks on my Bank of America account they when on hold but I never received the money. When I contacted Bank of America they closed my account and did not want to speak to me since they claimed it was a fraudulent check but my boss was the one that gave it to me. I also have some screenshots of the checks that he gave me. The only problem I have is because I am a college student that needs a bank account but now I cant open any because Bank of America couldnt do their job right

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 2025-08-25 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX XXXX - XXXX - Account not mine XXXX XXXX XXXX  - XXXX - Account not mine XXXX XXXX XXXX - XXXX - Account not mine XXXX XXXX - XXXX - Account not mine

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 2025-08-25 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: VA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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:
Despite repeated attempts to resolve these matters, Experian continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. Every time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run 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
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter is a formal dispute regarding a fraudulent account reported under my name. I have no association with this account and never authorized it. Its inclusion is false, misleading, and causing harm to my credit report and reputation.

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 2025-08-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XX/XX/year> N/A N/A N/A Bill Pay Went out XX/XX/year> XXXX ( XXXX ) XXXX XXXX Min Outgoing call Spoke with female representative to see if I could put a stop payment on my bill pay. She told me I could and had until the XXXX XX/XX/year> to do so becuase it wasn't delievered and it would be no charge. 
XX/XX/year> XXXX ( XXXX ) XXXX XXXX XXXX Outgoing call Called to put a stop on my bill pay. XXXX on the phone took down all the infomation to process the stop payment on a bill pay. She also charged me {$30.00} as it was a check. Read me the disclosure. 
XX/XX/year> XXXX ( XXXX ) XXXX XXXX XXXX Outgoing call Called to see if I could get doucmentation. Spoke with a guy who said that there is no documentation but he can see in the system there is a stop payment. 
XX/XX/year> XXXX ( XXXX ) XXXX XXXX XXXX Outgoing call Called to check on status, but line was disconnected XX/XX/year> XXXX ( XXXX ) XXXX XXXX XXXX Outgoing call Called to check on status. Asked to speak to a manager and talked to XXXX. She informed me the person the the XXXX XXXX who intially put a stop payment did it incorrectly and put a stop payment to a check vs a bill pay. I was refunded the {$30.00} ( see image below ). XXXX also checked to see if the check had been cashed, which she confirmed it had not, and she put in a stop payment to a bill pay check correctly. She told me not to worry that the payment will not go through, becuase the stop payment was done right in time. 


XX/XX/year> XXXX ( XXXX ) XXXX XXXX XXXX Outgoing call Called to see if the stop payment was done correctly. Spoke to XXXX who said sees the stop payment and that it takes XXXX business days for the funds to be put back. 
XX/XX/year> XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX from Chase bank on XXXX in XXXX XXXX. She told me that unfornately since it was bank error, the check was already cashed and she was on a recorded line with a customer service rep named XXXX XXXX. I was told that I would have to escalate this to get my money back and since it was bank error there should be no problem to be my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion 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 : INQUIRIES : XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXXXXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$6600.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$41000.00} XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$740.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$7800.00} 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 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