vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 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:
Dispute of Collection Account Request for Immediate Removal To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the collection account reported on my credit .Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( a ) ( 2 ), I am exercising my right to dispute the legitimacy of this debt and demand its immediate removal from my credit report.

Legal Basis for Dispute : Under 15 U.S. Code 1681b ( a ) ( 2 ), the permissible purposes for accessing a consumer 's credit report exclude reporting or collection activities without proper validation. If the collection agency has not provided sufficient verification of the debt, including but not limited to proof of the original debt, the account 's validity is questionable. I have not received any proper documentation to support this debt. Any amount owed, accuracy of the dates, or lack of proper notice.

Demand for Action : I demand that these discrepancies are immediately investigated, and this dispute and any other inaccurate account removed, and the inaccurate and invalid collection account removed from my credit report. Failure to do so within 15 business days will leave me with no choice but to pursue further action, including, but not limited to, filing a formal complaint with the Federal Trade Commission and potentially pursuing legal remedies.

XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-29 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: CA

Complaint narrative:
Method of investigation was requested as well as letter sent letting company know I am a victim of identity theft. Accounts came back verified again however company not adhering to consumers laws for identity theft victims

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: EdFinancial Services
State: MI

Complaint narrative:
I have student loans accounts on my credit reports that exceeds the legally allowed reporting period. According to the FCRA most negative information including student loans should not be reported after 7 years. dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Lanier Law Firm, LLC
State: NC

Complaint narrative:
I had a XXXX data breach went into arbitration with identity theft with the FTC and identity theft group my email was compromised with a data breach hack. I have tried to open the credit report but the email was compromised through my log in with my business account phone. I filed a arbitration and went into bankruptcy with my credit report. I asked to file a obtaining property under false pretenses with intent sale and distribute from my business market account platform. I see the account was missing my email on the XXXX  credit report with XXXX  data breach. I have a ID hack on my restoration platform. My account was not reinstated with the member insurance policy of personal phone identification hack. I want to set account hack forbidden error log in with my merchant ID. I am not stable enough to provide the credentials without filing a bankruptcy report with my credit bureau XXXX XXXX  and XXXX  showing my true identity had a identity theft on my credit report with a hacker from my XXXX XXXX account XXXX XXXX. I was looking to get a restraining order for fraud and embezzlement of my personal banking account with my Business account. I have a larceny and obtaining property under false pretenses from my business account by a data broker issue and wanted to open a case to evidently press charges on the bank with my personal ID restoration of my business account. I can not log in but I have a identity theft petition for arbitration and a restricted access of he compromised account from XXXX snowing my employee information had been seized and stolen from my cloud servers with XXXX XXXX XXXX XXXX breach and XXXX account with XXXX XXXX sent me a notification of my email being hacked. I was unable to log in my account with XXXX XXXX XXXX or XXXX from the restricted access of my XXXX account. I have been compromised with XXXX email XXXX on my phone XXXX and XXXX account was changed with a cracked screen for over 30 days with cloud server hack and data breach unable to log in my account. I sent in a 14039 affidavit for my account was breached if contract and obtaining property under false pretenses. My account was insufficient and inaccessible to log in with my recovery email. Also my XXXX account was compromised I would like to file a breach of contract for larceny and obtaining my property under false pretenses. Considering my ID restoration was stolen and the account was forfeited my asset by a log in error that the administrator made a class action settlement with XXXX XXXX and forged my account ID restoration from the pawned website data breach.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-29 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: Experian Information Solutions Inc.
State: SC

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 XXXX ( XXXX ) 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 2025-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I understand that the CFPB has filed a statement of interest in the XXXX  bankruptcy case, indicating their belief that XXXX  may have violated the Consumer Financial Protection Act. I am writing to provide a personal statement regarding the financial and emotional harm I have experienced as a result of the account disruptions tied to XXXX  XXXX  XXXX  and its associated partner banks and XXXX XXXX
* * My Background * * I was a customer of Juno XXXX, which used XXXX XXXX XXXX to facilitate banking services. My account was held at XXXXXXXX XXXX XXXX XXXXXXXX and was frozen on or around XX/XX/year>, without warning. 

* * The Harm I Suffered * * When my account was frozen, I had ~ {$1600.00} in the account. Since then, I have recovered nothing, leaving all my funds still inaccessible over a year later. 

This interruption has caused me significant hardship. Specifically : I missed rent payments, leading to collection threats I experienced severe XXXX  and distress due to the sudden loss of access to my savings. 

I am not a venture capitalist or an institutional investorI am a retail consumer who trusted a financial product that was marketed as safe and FDIC-insured. No one should lose access to their legally deposited money because of behind-the-scenes failures between banks and middleware providers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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 am filing this FTC Identity Theft Affidavit to report two fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX on XXXX under the account number XXXX and another credit card opened at XXXX on XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries appearing on my consumer report which are XXXXXXXX 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 I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: Kikoff Inc.
State: UT

Complaint narrative:
I have been with kickoff for 12 months paying {$35.00} a month, I was not aware that the credit builder loan was separate from the credit account which also has a {$3500.00} credit line, the credit builder loan is a {$120.00} account over 12 months which is my money going into it not kickoffs. Kickoff waited to report the credit builder loan account until close to renewal. I want the credit builder loan removed from my credit report ASAP because it is not something that made clear enough to me at the time and the short time it was active compared to my credit account that is still active it shouldn't have impacted my credit the way it did and kickoff should not have been taking money to monitor and repair my credit while reporting negatively on another account XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: NC

Complaint narrative:
Back in XXXX, I submitted info to Transunion regarding incorrect info being reported to my credit report. I sent them proof which I have attatched showing the inaccurate reporting. they have violated 15 USc 1681e ( b ) and 15 USC 1681 ( 5 ) a. I will sue based off the blantant violation of these laws. I have attatched my proof with this compaint. 
The three inaccurrate companies are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I seen a loan on my credit report that I did not recognize and I made a ftc report and my information was compromised

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: Starmark Financial LLC
State: OH

Complaint narrative:
Dispute and Request Verify Accounts, Violation of 15 USC 1681C-2 NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX Starmark financial LLC account number XXXX I am writing to bring to your attention a serious matter regarding inaccurate reporting on my credit file, specifically pertaining to accounts listed above. This will be my XXXX attempt to resolve this matter. I have no knowledge of these creditors nor have I authorized any accounts with them. In my previous correspondence I requested verification and with these accounts not being verifiable my consumer laws are now being violated. Not only were these accounts opened due to identity theft, I have no knowledge of these accounts, or any affiliation with these creditors. Its inclusion on my credit report violates ( USC ) 1681, which governs the fair and accurate reporting of consumer information. I have no knowledge of this account or have given any written consent. Furnishing Identity theft accounts further violates the FCRA, specifically 15 USC 1681 C-2. These accounts being reported are severely impacting my ability to obtain new lines of credit. Your company has a legal obligation to ensure the accuracy of the information being reported. The only address that should be on my credit profile is listed above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was scammed by a fraudulent rental company called XXXX. I made two separate payments of {$49.00} from my XXXX savings account, totaling {$98.00}, for what was advertised as rental prescreening for two different properties. After payment, the company became unreachable there was no contact, no refund, and no access to housing. It is now clear this was a scam. 

I filed a dispute with XXXX and explained that I was misled into authorizing these payments under false pretenses. I also provided screenshots of communication. Despite this, XXXX denied my dispute and labeled the transactions as authorized. 

This was not a legitimate purchase it was fraudulent inducement. I am now requesting that XXXX reopen my case and refund the {$98.00}. 

I have submitted a formal fraud report to the FTC, and I am filing this CFPB complaint to request further investigation. I was scammed and deserve protection and reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: KS

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX Date : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, PA XXXX Subject : Dispute of Fraudulent Information Under 15 U.S. Code 1681c-2 ( Identity Theft ) To Whom It May Concern, I am writing to formally dispute and request the immediate blocking of fraudulent information on my credit report in accordance with 15 U.S. Code 1681c-2, which provides protections for victims of identity theft.

I am a victim of identity theft, and certain items on my credit report do not relate to any accounts I have opened or authorized. In accordance with federal law, I am requesting that XXXX  block the reporting and future furnishing of this information. Below is a list of the fraudulent items that must be removed : Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Enclosed are the required documents to support my dispute, as required under 15 USC 1681c-2 : 1.A copy of my government-issued photo ID 2.A police report or identity theft report ( as defined under 15 USC 1681a ( q ) ) 4.A statement explaining that the information listed above resulted from identity theft Under 15 USC 1681c-2, you are legally obligated to block this information within 4 business days of receiving my request and documentation. Please confirm in writing that the requested accounts have been removed and will not be reinserted into my credit file. 

Thank you for your prompt attention to this matter. Please send all future correspondence related to this dispute to the address listed above. 

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 2025-06-29 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:
Someone used my information fraudulently, to open an account with 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 non-monetary relief
Consumer complaint received 2025-06-29 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:
Someone used my information fraudulently, to open an account with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts information reporting to my credit report. These remarks has been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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 XXXX ( XXXX ) 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 non-monetary relief
Consumer complaint received 2025-06-29 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: IL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, I had two late payments on an account that O was in fact paid on time. The consumer reporting agencies heed to report all information with complete accuracy. This account XXXX XXXX XXXX Date Opened XX/XX/XXXX, Balance has not been late on payments ive attached a copy of my report to this complaint on the following dates ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: IL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, I had two late payments on an account that O was in fact paid on time. The consumer reporting agencies heed to report all information with complete accuracy. This account XXXX XXXX XXXX Date Opened XX/XX/XXXX, Balance has not been late on payments ive attached a copy of my report to this complaint on the following dates ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief