vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 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: LA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from 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 non-monetary relief
Consumer complaint received 2025-03-19 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: DC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 2025-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
A week ago my account was hacked and someone made a purchase of XXXX at a store. I called the bank and they did their investigation. I verified purchases made by me and the purchase that was not made by me. They cancelled my debit card and send a new one. Today my other account ( same bank ) was also hacked. The hacker took {$400.00} from my account. I called the bank and they said this was a fraud issue. I asked them to freeze my card so no other purchases could go through. They said this wasnt something they could do as it needs to go to the fraud department which was closed. After the phone conversation the hacker took an additional {$80.00} from my account. The bank told me to call the fraud tomorrow to get a refund of my money. I was hacked twice in a week span. This is the XXXX time my account has been hacked since banking with Fifth Third.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an incorrect charge on my account regarding a duplicate balance transfer that occurred between Chase Bank and XXXX XXXX  in XXXX and XX/XX/XXXX. Below is a timeline of the events : XX/XX/XXXX I opened a Chase Bank account to complete a balance transfer of {$4100.00}. 

XX/XX/XXXX A second balance transfer of {$3800.00} was posted, overpaying my XXXX account by {$4100.00}. 

I immediately contacted both banks, but was informed that the transfer could not be canceled as it had already posted. 

XXXX refunded me {$4000.00} via check, which I deposited and subsequently used to pay Chase Bank on XX/XX/XXXX. 

Using my tax refund, I fully paid off my Chase Bank balance, reducing it to {$0.00}. 

XX/XX/XXXX Upon logging into my XXXX account, I noticed a new charge of {$4200.00}, which I do not owe. 

XXXX informed me that a check was cashed, and I needed to contact Chase Bank. However, Chase Bank has no record of an outstanding balance or overpayment. 

At this time, I am being incorrectly charged for a balance that I have already paid. I have attached copies of the following supporting documents : Chase account statements showing the balance transfers and payments. 

XXXX account statements showing the overpayment and refund. 

Copy of the {$4000.00} refund check from XXXX. 

Proof of my {$4000.00} payment to Chase on XX/XX/XXXX. 

I request an immediate investigation and correction of this issue. Please provide me with a written response within 30 days, confirming the resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: HUNTINGTON NATIONAL BANK, THE
State: KY

Complaint narrative:
I AM WANTING THESE HARD INQUIRES TO BE REMOVED OFF OF MY CREDIT, I DID NOT AUTHORIZE NONE OF THOSE BANKS/AUTO COMPANY 'S TO RUN THEM AT ALL PLEASE THIS IS FRAUDULENT! THANK YOU, XXXX XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have incorrect names listed in my credit report. My personal information is incorrect.

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to :

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 2025-03-19 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:
Items were unlawfully added to my credit bureau report due to identity theft. Section 605b focuses on blocking information on a consumer 's credit report that is the result of their identity being stolen. In simpler terms, if a particular consumer can show proof that a negative item or multiple items on their credit report are inaccurate due to identity theft, the credit bureau is legally obligated to either remove or block that information from their current report.

This requires only the identity theft report my identification and a statement which is what Im a writing now is all thats required to remove the inquiries and account XXXX and XXXX XXXX. I have good standing accounts and do not need to inquire for more credit. My identity was stolen. When I contacted the lenders they requested I contact the credit bureau. I did and the disputes o filed somehow were deleted and never investigated. 

notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report, you are also in violation of the Fair Credit Reporting Act ( " FCRA '' ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have attached the beginning date of these accounts. I had no knowledge of these consecutive inquiries and believe it was due to identity theft. I have attached all info to block these inquiries as well as the collection account XXXX  and XXXX  XXXX Pursuant to 15 U.S.C. 1681n ( a ), " Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. '' ( CFPB ) has recently filed a lawsuit against credit bureau, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where credit bureau has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my understanding. I am requesting immediate corrective action to remove or amend the disputed accounts, as credit bureau inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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:
Items were unlawfully added to my credit bureau report due to identity theft. Section 605b focuses on blocking information on a consumer 's credit report that is the result of their identity being stolen. In simpler terms, if a particular consumer can show proof that a negative item or multiple items on their credit report are inaccurate due to identity theft, the credit bureau is legally obligated to either remove or block that information from their current report.

This requires only the identity theft report my identification and a statement which is what Im a writing now is all thats required to remove the inquiries and account XXXX and XXXX XXXX. I have good standing accounts and do not need to inquire for more credit. My identity was stolen. When I contacted the lenders they requested I contact the credit bureau. I did and the disputes o filed somehow were deleted and never investigated. 

notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report, you are also in violation of the Fair Credit Reporting Act ( " FCRA '' ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have attached the beginning date of these accounts. I had no knowledge of these consecutive inquiries and believe it was due to identity theft. I have attached all info to block these inquiries as well as the collection account XXXX  and XXXX  XXXX Pursuant to 15 U.S.C. 1681n ( a ), " Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. '' ( CFPB ) has recently filed a lawsuit against credit bureau, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where credit bureau has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my understanding. I am requesting immediate corrective action to remove or amend the disputed accounts, as credit bureau inaction violates federal law and my rights as a consumer.

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I hope this message finds you well. I am writing to dispute incorrect information on my credit report that requires immediate attention. Specifically, there are accounts listed that I did not open, and I firmly dispute their presence.

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 2025-03-19 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: MI

Complaint narrative:
XXXX took out money from my account that wasnt verified and was not and authorized customer MULTIPLE times. And Chase Bank couldnt return the funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: Credit Corp Solutions Inc.
State: MO

Complaint narrative:
I am writing to file a formal complaint against XXXX for their failure to investigate inaccuracies in my credit report, as required under the Fair Credit Reporting Act ( FCRA ). Despite following the appropriate dispute procedures, XXXX has not corrected the information, which continues to adversely affect my credit standing. 
Details of the Disputed Entries : XXXX. XXXX XXXX XXXX : This account, dated XX/XX/XXXX, continues to report incorrect information as of XX/XX/XXXX. Despite my efforts to resolve this issue, the inaccuracies persist. 
2. Credit Corp Solutions : This account was sold on XX/XX/XXXX. However, it remains inaccurately reported on my credit file, reflecting outdated information that adversely affects my credit standing. 
XXXX. XXXX XXXX XXXX : Similarly, this account was sold on XX/XX/XXXX, but it still appears incorrectly on my report, indicating an active status that is not accurate. 
Despite my disputes XXXX continued to say account is verified they did not provide any paper work or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
I am writing to file a formal complaint against XXXX for their failure to investigate inaccuracies in my credit report, as required under the Fair Credit Reporting Act ( FCRA ). Despite following the appropriate dispute procedures, XXXX has not corrected the information, which continues to adversely affect my credit standing. 
Details of the Disputed Entries : 1. XXXX XXXX XXXX : This account, dated XX/XX/XXXX, continues to report incorrect information as of XX/XX/XXXX. Despite my efforts to resolve this issue, the inaccuracies persist. 
2. XXXX XXXX XXXX XXXX This account was sold on XX/XX/XXXX. However, it remains inaccurately reported on my credit file, reflecting outdated information that adversely affects my credit standing. 
3. Miland Credit Management : Similarly, this account was sold on XX/XX/XXXX, but it still appears incorrectly on my report, indicating an active status that is not accurate. 
Despite my disputes XXXX continued to say account is verified they did not provide any paper work or anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AUTOMOTIVE CREDIT CORPORATION
State: IN

Complaint narrative:
They have stolen my identity to buy a car and now an amount is reflected in my 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 2025-03-19 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: WI

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-03-19 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: CA

Complaint narrative:
My name is XXXX XXXX I am filing a complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) and for mishandling my credit report disputes.. Despite multiple written disputes sent on in XXXX Experian has : 1. Failed to conduct a proper investigation as required under 15 USC 1681e ( b ) 2. Reinserted or allowed inaccurate information to remain on my credit report without proper notification or reinvestigation, violating 15 USC 1681 ( 5 ).

3. Continued to report obsolete or inaccurate information in violation of 15 USC 1681c ( c ). 

These actions have directly harmed my ability to access credit, employment, and housing opportunities. 
Their negligence caused me significant financial harm, including denied credit opportunities, increased interest rates, emotional distress, and damage to my reputation. 

Additionally, I am aware of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian for similar violations, alleging sham investigations and failure to address consumer disputes effectively. This pattern of misconduct aligns with my experience and demonstrates systemic noncompliance with federal laws. 

Supporting Documents : I have attached copies of : My dispute letters sent to Experian. 
Proof of delivery for these letters. 
Copies of Experians responses ( or lack thereof ). 
Credit reports showing the disputed information. 

Thank you for your attention to this matter. 


Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief