vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/year> I was contacted by a vendor identifying themselves as XXXX XXXX XXXX. As they proceeded to say my account had been compromised and that they needed to access my account so that they can make sure that the fraud person would not get any further information. They gave me documentation of a police report and asked me to proceed to open my account. I became suspicious and requested that they contact me by phone so that I could identify them and they became belligerent and angry, and threatened that if I did not follow their instructions that I would lose all my money. I hung up immediately, call Chase Bank and asked them not to disperse any funds as this was fraud. I filled out the form necessary to stop the the disbursement, and the representative of Chase advised me that the money was still there and that it was protected. Later I found the money had been dispersed to XXXX XXXX and they refuse to accept any responsibility saying that Chase could not recover the money. I asked why did they disperse the money when I clearly notified them that this was a fraudulent request They told me that nothing they could do and if I wanted to proceed further to have an attorney subpoena the recording and they would respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I RECENTCLY REVIEWED A COPY OF MY AND I HAVE NOTICED MULTIPLE FRAUDULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT

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 2025-04-04 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: OR

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-04-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I was not told if the car was total loss I will have to still make payments for the tittle loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: MA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-04-04 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: Cascade CISS Holdings, LLC
State: FL

Complaint narrative:
I am filing this complaint to dispute a series of unauthorized hard credit inquiries appearing on my credit report from companies with whom I have no open, closed, or denied accounts. The inquiries are harming my credit score and were not initiated by me or with my consent.

Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 3 ), a creditor must have a permissible purpose to access a consumer 's credit file. I never authorized these creditors to run a hard inquiry on my report, and no legitimate business relationship exists.

Because no credit was extended, no application was completed, and no account was opened, these inquiries were either made in error or without proper authorization.

I have contacted the credit reporting agencies and the furnishers, but these inquiries have not been removed. I am requesting the CFPBs assistance in enforcing my rights under FCRA 611 ( dispute process ) and 604 ( unauthorized access ) to ensure the removal of these inquiries.

These unapproved inquiries are unjustly lowering my credit score and harming my ability to access fair credit. They should be immediately removed from all consumer reporting agency records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-04 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 demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXXEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXXXXXX

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 2025-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
I have a loan through One main financial. If I am a day or 2 late for my payment they call me sometimes 5 times a day and they call me everyday. Yesterday they called me 4 times, today they called me once already. In XXXX they called me 10 times in 4 days. I sent an email stating this is harassment and they are not to call me more than 7 times in 7 consecutive days. They stated they understand but now we are here again in XXXX. My bill is due on XX/XX/XXXX. I have not gotten to pay my bill yet and yesterday was the XXXX and they called me 4 times yesterday and once today already. I am literally not even 5 days late and this is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: MA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: NC

Complaint narrative:
I am a victim of identity theft. There are several accounts that I didnt give anyone permission to open or authorization to use my name social or birthdate to open these accounts

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 2025-04-04 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: NC

Complaint narrative:
I am a victim of identity theft. There are several accounts that I didnt give anyone permission to open or authorization to use my name social or birthdate to open these accounts

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 2025-04-04 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: NV

Complaint narrative:
I am writing to urgently address fraudulent accounts that have been opened in my name due to the Equifax data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 
The details of the fraudulent account are as follows : Account details : 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 In accordance with 15 U.S.C. 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of receiving this letter. If you fail to adequately resolve this issue within the required time frame, I will consider taking legal action and pursuing damages of {$1000.00} per violation under 15 U.S.C. 1692k. This action will include claims for the following violations : Defamation of Character Negligent Enhancement of Identity Fraud Violations under 15 U.S. Code 1681o, 1681n ( b ), 1681b, 1681c, 1681a ( 4 ) Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681ii ( 7 ) ( Method of Verification )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXXXXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened 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 non-monetary relief
Consumer complaint received 2025-04-04 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: MA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
So I did some time in XXXX  for about 4 years and when I came out someone had put an account in my name for Wells Fargo and XXXX XXXX is XXXX Wells Fargo is 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 2025-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  DC XXXX Subject : Dispute of Unauthorized Inquiries on TransUnion Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint and dispute unauthorized and unrecognized hard inquiries that have appeared on my TransUnion credit report. These inquiries were made without my knowledge or consent and are adversely affecting my credit score and financial standing.

Details of the Disputed Inquiries : Credit Reporting Agency : TransUnion Date of Credit Report : XX/XX/XXXX Unauthorized Inquiries : XXXXXXXX XXXX XXXXXXXX ( Finance ) XX/XX/XXXX XXXX  ( bank ) XX/XX/XXXX XXXX XXXXXXXX ( Finance ) XX/XX/XXXX XXXX ( Retailer ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Retailer ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX I did not authorize these companies to access my credit file, and I have no existing or prior relationship with them that would warrant such inquiries. These inquiries appear to be either fraudulent or in error. 



Under the Fair Credit Reporting Act ( FCRA ), only entities with a permissible purpose may access my credit report. I respectfully request that the CFPB investigate these unauthorized inquiries and assist in removing them from my TransUnion credit report. I have already contacted TransUnion regarding this matter but am unsatisfied with the resolution thus far. Enclosures : Copy of my drivers licens
e ( for identity verification ) Copy of a recent utility bill or other proof of address I appreciate your prompt attention to this matter and respectfully request confirmation that my complaint has been received and is being reviewed. 



Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: NY

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
On XX/XX/year>, a mortgage payment of {$1100.00} was deducted from my bank account and sent to Freedom Mortgage. A few days later, I received a letter from Freedom Mortgage stating that they had returned the check and the payment was never received. However, when I contacted my bank, they confirmed that the funds were successfully withdrawn and were not returned to my account. 

I am now in a situation where the payment is missing, and neither the bank nor Freedom Mortgage is taking responsibility. I am requesting the Consumer Financial Protection Bureaus assistance in resolving this issue and locating the funds.

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 2025-04-04 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: CA

Complaint narrative:
Hello, this is a very unfortunate situation for me. I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines. 
Under the United States Code Law 15 U.S. Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. Congress says I have a right to decide what I deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting.

Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received.

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 2025-04-04 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 am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TN

Complaint narrative:
JEFFERSON CAPITAL SYSTEMS acquired this debt from XXXX. I requested 1099c from them because it was written off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation