vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXXXXXX XXXX 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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX FXXXX Account # : XXXX Balance : XXXX XXXX XXXX XXXX  Account # : XXXX Balance : XXXX XXXX XXXXXXXX XXXX  Account # : XXXX Balance : XXXX XXXX Account # : XXXX Balance : As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXXXXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX FXXXX Account # : XXXX Balance : XXXX XXXX XXXX XXXX  Account # : XXXX Balance : XXXX XXXX XXXXXXXX XXXX  Account # : XXXX Balance : XXXX XXXX Account # : XXXX Balance : As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXXXXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: CITIBANK, N.A.
State: IA

Complaint narrative:
I reported charges made on my citibank card as fraudulent. There were purchases made as well as balance transfers that I did not make or authorize. Citibank would not remove the charges. I refused to make payments on these charges and eventually closed my accounts. After 6 months I finally managed to get ciitibank to write off the charges. Unfortunately the reported and contine to report 6 missed payments to the credit reporting companies. I've spent countless hours on the phone with citibank and I can not get them to remove this from reports. This has lowered my credit score from good to in the low fair range.

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 2025-02-08 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: MI

Complaint narrative:
I, XXXX XXXX am a victim of identity theft request removal and deletion of the listed accounts on my XXXX, XXXX, and Equifax credit report.XXXX. XXXX XXXX XXXX ACCOUNT NUMBER : XXXX, Opened : XX/XX/XXXX. XXXX. XXXX XXXX XXXX, ACCOUNT XXXX, Opened : XX/XX/XXXX. XXXX. XXXX XXXX XXXX, ACCOUNT XXXX, Opened : XX/XX/XXXX. XXXX XXXX ACCOUNT XXXX Opened : XX/XX/XXXX. XXXX XXXX, ACCOUNT NUMBER : XXXX, Opened : XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding multiple credit reporting errors across the three major credit bureausXXXX, Equifax, and XXXX. These inaccuracies have negatively impacted my credit profile and require immediate investigation and correction. Below are the specific issues I have identified : Equifax Reporting Errors : Inconsistent Late Payment Information : My Equifax credit report shows a 60-day late payment for XX/XX/XXXX, while my XXXX and XXXX reports correctly reflect a 30-day late payment for the same period. 


Resolution : Equifax should update this late payment entry to reflect the correct 30-day late payment, consistent with other bureaus. 


XXXX Reporting Errors : Missing Payment Information : My XXXX  credit report is missing payment data for XX/XX/XXXX and XX/XX/XXXX, even though I made on-time payments for both months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please include me in your class action lawsuit against this company see my numerous disputes regarding the same inaccuracy and incompleteness. 

After 24 months of disputes all three cra is still reporting different information about the same accounts and they all say they are accurate. 

All different reporting about the same account on three reports which is inaccurate I am ready to initiate litigation and use all three reports as exhibit A. This has damaged me and caused me stress and anxiety. Compensatory and punitive damages I think is a remedy Ill accept See the numerous disputed submitted as proof. the disputed inaccurate accounts are ; XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX # XXXX all disputed items must be deleted at this point I have built a documentary evidence case against all three cra.

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please include me in your class action lawsuit against this company see my numerous disputes regarding the same inaccuracy and incompleteness. 

After 24 months of disputes all three cra is still reporting different information about the same accounts and they all say they are accurate. 

All different reporting about the same account on three reports which is inaccurate I am ready to initiate litigation and use all three reports as exhibit A. This has damaged me and caused me stress and anxiety. Compensatory and punitive damages I think is a remedy Ill accept See the numerous disputed submitted as proof. the disputed inaccurate accounts are ; XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX # XXXX all disputed items must be deleted at this point I have built a documentary evidence case against all three cra.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: NJ

Complaint narrative:
I am writing to formally dispute multiple inaccurate and unauthorized accounts appearing on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute multiple inaccurate and unauthorized accounts appearing 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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Subject : Formal Dispute of Credit Report Errors To Whom It May Concern, I am writing to dispute inaccurate information on my credit report as provided under my rights in the Fair Credit Reporting Act ( FCRA ). I recently reviewed my credit report, and I found the following errors that require immediate investigation and correction XXXX XXXX ( Account # XXXX is a sample dispute letter you can use, referencing the Fair Credit Reporting Act ( FCRA ) Dispute : You are reporting multiple 30-day late payments on this account. I dispute the accuracy of this information and request verification that these late payments were more than 30 days past due. 

XXXX. XXXX XXXX ( Account # XXXX ) : Dispute : Please verify the accuracy of this account. 

XXXX. XXXX XXXX  ( Account # XXXX ) : Dispute : Please verify the accuracy of this account. 

XXXX. XXXX XXXX XXXX ( Account # XXXX ) : Dispute : Please verify the accuracy of this account. 

XXXX XXXX XXXX ( Account # XXXX ) : Dispute : Please verify the accuracy of this account. 



The failure to verify or provide proof of these accounts has harmed my ability to secure credit. Under the FCRA, all unverifiable or inaccurate accounts must be removed from my credit report. 



Please conduct an investigation into these disputes and provide me with written confirmation of your findings. I also request that you send me a corrected copy of my credit report upon completion of the investigation. 



Thank you for your prompt attention to this matter. If you need any additional information, please contact me at [ Your Phone Number ] or [ Your Email Address ]. 



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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Subject : Formal Dispute of Credit Report Errors To Whom It May Concern, I am writing to dispute inaccurate information on my credit report as provided under my rights in the Fair Credit Reporting Act ( FCRA ). I recently reviewed my credit report, and I found the following errors that require immediate investigation and correction XXXX XXXX ( Account # XXXX is a sample dispute letter you can use, referencing the Fair Credit Reporting Act ( FCRA ) Dispute : You are reporting multiple 30-day late payments on this account. I dispute the accuracy of this information and request verification that these late payments were more than 30 days past due. 

XXXX. XXXX XXXX ( Account # XXXX ) : Dispute : Please verify the accuracy of this account. 

XXXX. XXXX XXXX  ( Account # XXXX ) : Dispute : Please verify the accuracy of this account. 

XXXX. XXXX XXXX XXXX ( Account # XXXX ) : Dispute : Please verify the accuracy of this account. 

XXXX XXXX XXXX ( Account # XXXX ) : Dispute : Please verify the accuracy of this account. 



The failure to verify or provide proof of these accounts has harmed my ability to secure credit. Under the FCRA, all unverifiable or inaccurate accounts must be removed from my credit report. 



Please conduct an investigation into these disputes and provide me with written confirmation of your findings. I also request that you send me a corrected copy of my credit report upon completion of the investigation. 



Thank you for your prompt attention to this matter. If you need any additional information, please contact me at [ Your Phone Number ] or [ Your Email Address ]. 



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 non-monetary relief
Consumer complaint received 2025-02-08 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: LA

Complaint narrative:
Credit report is showing a bankruptcy and charged off information that is not mines. My information was also exposed in the data breach

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 2025-02-08 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:
Complaint Against Chase Bank for Fraudulent Mismanagement of Retirement Funds In early XXXX, I entrusted my XXXX  retirement funds, totaling $ XXXX attorney XXXX XXXX XXXX believing she was establishing a secure trust on my behalf. However, XXXX and her associate, XXXX XXXX XXXX ( a disbarred attorney fraudulently using another lawyers name ), misappropriated my funds. 



The check was deposited into an account at Chase Bank, which failed to flag or investigate the suspicious deposit, despite multiple red flags, including XXXX history and the unusual nature of the transaction. Once cleared, the funds were quickly transferred out. Chase Banks lack of oversight directly enabled this fraud.

I later contacted a Chase executive director, who audibly gasped upon reviewing the transaction, acknowledging serious compliance failures. Another Chase banker admitted that legal action would likely succeed due to the banks negligence. 



When I attempted to recover my money, I encountered bounced checks from XXXX, further proving the fraud. Eventually, Chase closed my account, adding insult to injury, rather than assisting in recovering my stolen funds. 



Requested Resolution : 1. A full investigation into Chase Banks failure to prevent this fraudulent transaction. 

2. Restitution of the {$330000.00} that was mismanaged under Chase Banks oversight.

3. Assurance that proper fraud detection measures are enforced to prevent similar cases.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: AZ

Complaint narrative:
Equifax is reporting accounts on my credit report as open late and delinquent. These accounts are listed in my XXXX  XXXX bankruptcy which is listed on my credit report. This information is contradictory and hurting my ability to obtain a proper credit score and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My debt decreased because of my loans deleted. XXXX XXXX stated my credit scores when I deleted off my education loans ( 8 ) loans. XXXX says each every deleted or discharged the scores go up 23 points. The Never increased my credit score 23 points for 8 items

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My debt decreased because of my loans deleted. XXXX XXXX stated my credit scores when I deleted off my education loans ( 8 ) loans. XXXX says each every deleted or discharged the scores go up 23 points. The Never increased my credit score 23 points for 8 items

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
OnXX/XX/2024, Freedom Mortgage cut an escrow reimbursement check to myself and my ex-husband. Our mortgage account was noted that the deed holders were in the process of divorce. The check came in both of our names-XX/XX/XXXX XXXX XXXX XXXX ( No AND or OR ). On XX/XX/XXXX XXXX cashed the check without my permission or endorsement. The bank cashed the check without my signature on it. It was for XXXX. Per a court filed fiduciary agreement I should have received half. I gave XXXX the opportunity to give me half no harm no foul. He refused. I want the check cancelled and re issued 1/2 to XXXX and 1/2 to me which should have been done in the first place by the mortgage company. The bank should also have not cashed a check in that amount without both people signing.

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 2025-02-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Midland Credit XXXX XXXX XXXX XXXX : Dispute of Liability Regarding Civil Negligence - Section 1681-O XXXX XXXX XXXX XXXX, I am writing to formally dispute the civil negligence liability listed on my credit report as per Section 1681-O of the Fair Credit Reporting Act ( FCRA ). After reviewing my report, I believe that the information regarding the civil negligence claim is inaccurate and should be corrected or removed. 

The civil negligence liability associated with my name is as follows : Claim/Case Number : [ Case Number ] Date of Incident/Claim : XX/XX/21 Name of the Creditor/Party : Midland Credit Amount : {$640.00} I dispute this entry because : I am filling this complaint regarding an inaccurate item on my credit report that negatively impacts my credit. Despite my efforts to resolve this directly with reporting agency, it remains unresolved. 

In accordance with Section 1681-O of the FCRA, I request that you conduct a prompt and thorough investigation into the matter. If the information is found to be incorrect or unverifiable, I ask that it be removed from my credit report, as it is adversely affecting my credit score and financial standing.

Please inform me in writing of the results of your investigation within the 30-day time frame required by law. Should you require any further information or clarification, I am happy to provide it. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation