vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>2025, my phone was stolen. The thief accessed my XXXX XXXX account by resetting my PIN without my authorization. Using my linked Chase debit card, they made multiple unauthorized transfers on XXXX XXXX, 2025 between XXXX XXXX  and XXXX XXXX, totaling approximately {$4000.00}. Examples include : {$500.00} to XXXX XXXX ( XXXX AM ) {$500.00} to XXXX XXXX ( XXXX XXXX  ) {$690.00} to XXXX XXXX ( XXXX XXXX  ) {$500.00} to XXXX XXXX ( XXXX XXXX  ) {$500.00} to XXXX XXXX ( XXXX XXXX ) {$400.00} to XXXX XXXX ( XXXX XXXX  ) {$200.00} to XXXX XXXX ( XXXX XXXX  ) {$79.00} to XXXX XXXX ( XXXX XXXX  ) I discovered this the next morning and immediately : Reported the theft to XXXX XXXX XXXX and locked/deleted my device. 
Reported the transactions to Chase Bank. 
Reported to XXXX XXXX, who denied responsibility. 
Filed a police report with the XXXX and submitted an XXXX Internet Crime Complaint. 
Sent Chase copies of the police report, XXXX confirmation, the XXXX XXXX  PIN reset email, and screenshots of the fraudulent transactions. 

The investigating XXXX  detective ( badge number listed in the attached report ) has informed me that, with my permission, the XXXX will be issuing a subpoena to XXXX XXXX XXXX to obtain the identities and information of the recipients of these fraudulent XXXX XXXX transfers. 

Despite this evidence, Chase has not refunded the funds and continues to claim they need more evidence. It has now been over a month since my initial report. Under the Electronic Fund Transfer Act and Regulation E, Chase is required to investigate, provide provisional credit within 10 business days, and bear the burden of proving the transfers were authorized.

I am requesting a full refund of the unauthorized transfers, as well as Chases compliance with Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: OH

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

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 2025-09-05 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: OR

Complaint narrative:
I am formally disputing the accuracy and validity of the following account listed on my credit report. I assert that this account are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXXXXXX XXXX XXXX  Date Opened XXXXXXXX XXXX,2023 Balance : {$30.00}, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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 should not have to deal with unauthorized accounts being reported under my name, yet they keep showing up on my credit report. I never opened these accounts, I never gave permission, and I was never notified. To make matters worse, each bureau is reporting different and conflicting 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 explanation
Consumer complaint received 2025-09-05 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:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. XXXX  has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-09-05 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 
XXXX XXXX XXXX XXXX XXXX XXXX {$8300.00} XXXXXXXX XXXX XXXX XXXX XXXX {$190.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: SERVICEMAC, LLC
State: AZ

Complaint narrative:
so i was behind on my payment on my XXXX  and so as of XX/XX/XXXX i set up a payment to where i was going to get it all taking care of as of XXXX so come XXXX when i was making my last payment on XX/XX/XXXX i was told i still owe over {$3000.00} and so i asked for them to tell me how if i have already made {$6400.00} since XX/XX/XXXX i was told by a manager that there is a payment from XX/XX/XXXX that was returned and so i did not understand how b/c per my bank rec the payment cleared my back so they ask me to send all the proof and so i did the screenshots of the transaction and i did provide that info, a week goes by i was told that they need the statement for that full month send to them as a PDF and so i provided that on XXXX XXXX XXXX and so i received the email saying they will search for the payment and get back to me by XX/XX/XXXX and so as of today XX/XX/XXXX i received an email saying that they closed the claim i have to call my XXXX  XXXX  to see what happened to the payment, i call today and spoke to XXXX at service mac today and the XXXX XXXX  asking her why i have to call XXXX XXXX XXXX my self if they took over the loan and they have to research the payment i provided proof for everything they need, i just want my {$2100.00} to be applied to my acct and so I'm not showing past due on my payment and all the late fees to be waved and corrected since this is not my mistake it the company 's mistake. 
this is been going on for 2 month now and nothing has been corrected

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
Date : XX/XX/year>2025 Subject : Formal Complaint Regarding Inaccurate Credit Reporting To Whom It May Concern, I am writing to submit a formal complaint regarding inaccurate or unverifiable information currently being reported on my credit file. I have previously disputed the matter directly with the credit reporting agencies and/or the furnisher of the account, but the issue remains unresolved.

The disputed item involves a credit account that I believe is being reported in error. Despite filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ), I have not been provided with any documentation verifying the accuracy of the account, nor has the item been corrected or removed. This failure to conduct a proper and reasonable investigation appears to be a violation of my rights under the FCRA. An account appearing on my credit report is inaccurate or can not be verified. I submitted a timely dispute with the credit reporting agency/furnisher, providing supporting documentation. The credit reporting agency and/or furnisher did not provide sufficient evidence of the accounts accuracy, yet the item remains on my report. This inaction is negatively impacting my creditworthiness.

I request that they Investigate the credit reporting agency and/or furnisher to ensure compliance with the FCRA. Require the deletion or correction of any information that can not be verified as accurate. Provide confirmation that the disputed account has been properly addressed.

I appreciate the CFPBs assistance in ensuring that credit reporting agencies and furnishers fulfill their legal obligations and maintain the accuracy and integrity of consumer credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: CA

Complaint narrative:
I have submitted two disputes to TransUnion regarding fraudulent accounts that do not belong to me, along with my Identity Theft Report and supporting documentation. Despite these efforts, TransUnion continues to report these accounts, leaving my credit file inaccurate and misleading. This constitutes a failure to comply with the Fair Credit Reporting Act, which requires that unverifiable and fraudulent information be deleted 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 non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My phone was stolen on August 19/20, 2025. Unauthorized charges totaling $ XXXX were made on my PayPal Credit account without my knowledge or approval. I immediately reported this as fraud, but PayPal/Synchrony denied the claim and is still holding me responsible. 

I am disputing these charges under the Fair Credit Billing Act. I did not authorize them, and I should not be liable. I am requesting that Synchrony Bank remove these charges, stop reporting them to credit bureaus, and confirm in writing that my account balance is corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
this account is not mine. I have reached out to the creditor many times in regards to this. Each time I call, I am told that they can't find an account with my name and social. I think someone may have used my information to open up this account after it was leaked in the data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to formally dispute and demand the blocking of fraudulent information that has appeared on my credit file as a direct result of the 2017 Equifax data breach in which my personal information was compromised. 

Pursuant to 15 U.S.C. 1681c-2 ( Fair Credit Reporting Act ), a consumer reporting agency is required to block information that results from identity theft within four ( 4 ) business days of receiving : 1. Proof of the consumers identity, 2. A copy of an identity theft report, and 3. Identification of the fraudulent information. 

As required, I have enclosed : A copy of my government-issued ID and proof of residence ; A copy of my [ FTC Identity Theft Report / Police Report ] regarding the fraudulent activity ; Documentation identifying the specific accounts and information on my credit file that are fraudulent. 

The fraudulent information resulting from the Equifax 2017 breach has caused and continues to cause me financial and reputational harm. I am demanding that Equifax comply with federal law and block the reporting of this fraudulent information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this formal complaint against Equifax for unlawful reinsertion of a previously deleted fraudulent account into my credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ). The account in questionXXXXXXXX XXXX XXXXXXXX was previously removed following my identity theft dispute, for which I provided a valid FTC Identity Theft Report and supporting documentation. Equifax has now reinserted this account without notifying me within XXXX business days and without obtaining the required certification from the furnisher, as mandated by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This constitutes a clear violation of the FCRA and has caused me emotional distress, reputational harm, and unnecessary hardship.

Equifaxs actions reflect willful noncompliance with the law, entitling me to statutory damages under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ), as well as punitive damages under 1681n ( a ) ( 2 ) for reckless disregard of my rights. I am demanding monetary compensation in the amount of {$1500.00} {$1000.00} in statutory damages and {$500.00} for emotional distress and reputational harm. I also reserve the right to pursue additional punitive damages as permitted by law. This complaint is supported by my formal dispute letter dated XX/XX/year>, which is attached and serves as legal notice of Equifaxs violation and my demand for immediate corrective action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am submitting this complaint regarding a charge-off reported by Navy Federal . I previously disputed this account with the credit bureaus, but at that time I did not request proof of whether a Form XXXX ( Cancellation of Debt ) had been issued. 

I am now requesting verification that a XXXX was issued for this account, including the date it was issued, how it was filed with the IRS, and any supporting documentation. Navy Federal has not provided this information despite my attempts to confirm it. 

The continued reporting of this charge-off without verification of a XXXX may be inaccurate and potentially violates the Fair Credit Reporting Act ( FCRA ), which requires furnishers to provide only accurate and verifiable information. I am seeking documentation so I can ensure my credit report reflects correct information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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 incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation