vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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: MT

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I asked Experian, Equifax, and Transunion to verify the accuracy of the Public Record for the bankruptcy. They each stated verified by the US Court System. The court system didn't verify the 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 non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I asked Experian, Equifax, and Transunion to verify the accuracy of the Public Record for the bankruptcy. They each stated verified by the US Court System. The court system didn't verify the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX reported the original account as paid as agreed with a XXXX balance. then after that they reported a new loan saying original loan was refinanced and is now a charge off. I never refinanced any loan and I want both loans removed from all major credit bureaus immediatly. I have consulted with an attorney and if this is not removed permanently immediatly, there will be legal action. this is fraud. I have attached supporting documents. they have been doing this kind of stuff for years and has mass complaints with the FTC, CFPB, and the XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: NY

Complaint narrative:
Today, XX/XX/year>, I was shocked to learn that XXXX reported XXXX of my federal student loans as XXXX days late. I was applying for a car loan when I discovered this and saw my XXXX XXXX had dropped from XXXX to XXXX. 
XXXX never mailed me anything or called. All emails went to spam. I had been in COVID forbearance and had no idea payments were due. Had I known, I wouldve paid immediately. 
Today, I paid the full past due amount of {$1300.00} and am working to enter a repayment plan. But the damage to my credit was already done. 
XXXX a XXXX adult working to build independence. This reporting failure now threatens my ability to obtain reliable transportation. I respectfully request the CFPB investigate and help correct this before further harm is done. 
Please respond urgently and let me know if any additional information is needed. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX | XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: MD

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on 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 2025-06-10 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: PA

Complaint narrative:
I am writing to formally report and request immediate attention to a serious issue regarding my total checking account. On XX/XX/XXXX, I opened a new checking account to deposit funds from my new job and a refund check. Later that same day, my account was unexpectedly locked due to an error on the banks end. I visited the branch in person, and my account was subsequently unlocked on XX/XX/XXXX. On XX/XX/XXXX, I received an alert indicating that {$2000.00} had been deposited into my account. Assuming this was my refund check, I accepted the funds. However, later that same day, a withdrawal of {$2000.00} was made from my account. On XX/XX/XXXX, I received another alert stating, Deposited item returned, which left my account with a negative balance of {$2000.00}. This deposit was related to a check that I never received, signed, or physically handled. Upon noticing this, I immediately contacted the banks fraud department and provided all requested information. I asked for the location of the withdrawal transaction, but that information was not provided. There was also a miscommunication regarding my debit card, while I had a picture of the card, I did not have the physical card issued for the account at that time. After speaking with a representative, I was informed that my dispute would be processed, my card would be locked, and I had the option to close the account before the dispute process concluded. I followed all instructions as advised. However, after waiting approximately a week and a half with no updates, On XX/XX/XXXX, I called again to follow up on the status of my dispute. I was informed that the dispute had been denied without any prior notice. I once again requested information about the withdrawal location, but it was still not provided. This situation has caused significant inconvenience and stress, and I would appreciate a prompt response to resolve this issue fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Ever since the data breach ive been impacted I have filed multiple disputes with each credit bureau concerning accounts that impact my credit score. As a victim of identity theft, I have been battling these fraudulent accounts for years. I did not give anyone permission to use my credit or personal information for any services or goods. This is a clear case of fraud that requires immediate attention.I have filed multiple disputes with each credit bureau concerning accounts that impact my credit score. As a victim of identity theft, I have been battling these fraudulent accounts for years. I did not give anyone permission to use my credit or personal information for any services or goods. This is a clear case of fraud that requires immediate attention. These collection agencies will update the dates on the loans and address so that it will look as if it's mine! This is fraud, and I have had enough

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Ever since the data breach ive been impacted I have filed multiple disputes with each credit bureau concerning accounts that impact my credit score. As a victim of identity theft, I have been battling these fraudulent accounts for years. I did not give anyone permission to use my credit or personal information for any services or goods. This is a clear case of fraud that requires immediate attention.I have filed multiple disputes with each credit bureau concerning accounts that impact my credit score. As a victim of identity theft, I have been battling these fraudulent accounts for years. I did not give anyone permission to use my credit or personal information for any services or goods. This is a clear case of fraud that requires immediate attention. These collection agencies will update the dates on the loans and address so that it will look as if it's mine! This is fraud, and I have had enough

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 2025-06-10 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: CO

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-06-10 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-06-10 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: MO

Complaint narrative:
I am submitting this complaint to formally request the immediate removal of a fraud alert from my credit file. 

My name is XXXX XXXX, and I previously requested a fraud alert as a precautionary measure. However, I no longer believe this alert is necessary. Despite my written request to have the alert removed, it remains on my credit file.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to add or remove fraud alerts from my credit report as needed. Keeping this alert in place is now causing unnecessary obstacles and delays in my financial activities, including credit approvals and account openings.

I am attaching valid identity verification documents, including my government-issued ID and proof of address, to support this request.

I am requesting that the credit reporting agency promptly : Remove the fraud alert from my credit report Provide written confirmation once the removal has been completed I appreciate CFPBs assistance in resolving this issue with the credit reporting agency.

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 2025-06-10 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: CA

Complaint narrative:
On XX/XX/year>, around noon, I received a call from someone claiming to be a Chase representative. At nearly the same time, my business XXXX messaged me asking if Chase had contacted me regarding irregular transactions. I told him yesthat I was actually on the phone with them. I spoke with the callers for a while, going over several suspicious transactions. Because they already had access to my account information, I had no immediate reason to question their legitimacy. I did not provide them with any personal details beyond what we discussed about the transactions. However, midway through the call, I began to feel uneasy. The representative started asking questions about other financial instruments, which raised red flags. I pushed back, and the tone of the conversation became tense. Eventually, the call ended. At that point, I strongly suspected something was wrong. I asked my business XXXX to contact Chase directly to ensure our account was secure. Unfortunately, by the time we confirmed the fraud, the wire transfer had already gone through.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: MS

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-06-10 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: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, NY XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX To : XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reported Amount : {$6100.00} Date Reported : XX/XX/XXXXXXXX  Dear XXXX  Dispute Department , I am writing to formally dispute inaccurate information currently listed on my XXXX  credit report. The account in question is reported by XXXX XXXX XXXX XXXX XXXX, with a balance of {$6100.00}, and a last reported date of XX/XX/XXXX. 

I do not recognize this account and do not believe it is accurate. This item is negatively affecting my credit report. Under the Fair Credit Reporting Act ( FCRA ), XXXX  must report only information that is complete, accurate, and verifiable. Therefore, I am requesting that this account be fully investigated and removed if proper documentation and verification can not be provided. 

Please provide written confirmation of the results of your investigation. If this information can not be verified, it must be deleted from my credit file under the law. If not resolved. 

I expect a written response within the timeframe established by law. Please send all correspondence to the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
They email and call me amd send letter every week They contacted my boss at my job as well

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 2025-06-10 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/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