vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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: AZ

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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 2025-06-11 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
On XX/XX/year> I booked a room at " XXXX  XXXX XXXX XXXX '', address XXXX XXXX XXXX XXXX, XXXX, CA XXXX through the website XXXX 
Booking order # XXXX ________________________ Reservation and hotel details : The Arrival : XX/XX/year> and Departure : XX/XX/year> dates. 
Amount charged : XXXX USD This hotel seemed nice by looking at the online pictures, when I arrived a completely different story. First thing you'll notice is outside are what seems to be XXXX XXXX XXXX XXXX. 
The first room I got, the bathroom lights were broken and the hot tub was also broken, the pumps were not working. I go back to the front desk and the associate literally, and I wish I was joking, sighed and reluctantly provided me with a second room. 
The second room was also messed up, the hot tub pumps were not working. Clearly the service as described was not provided. I NEVER stayed more than 1 hour at the XXXX XXXX. 


____________ Hotel # 2 details : So I booked a different hotel room, same dates and had to drive 1-2 hours away. I NEVER stayed more than 1 hour at the XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA, US. 
Clearly something was wrong at the XXXX XXXX, if I had to book a different hotel for the very same dates. Doesn't take a rocket scientist to figure that out. 

________________________ Hotel # 1 Resolution attempts : I contacted XXXX multiple times, through the phone they pushed the conversation to email. I emailed them and they stopped responding. 

________________ Credit Card Dispute : I disputed the charge associated with " XXXX XXXXXXXX XXXX XXXX '' on my Barclays XXXX XXXX XXXX XXXX XXXX credit card ending in XXXX. 
Barclays called me twice with no voicemails left, then denied and closed the dispute. 
I called back in to have it reopened, they reopened it and then they asked for evidence to be faxed in. 
I faxed in the evidence, which I have also attached here. That shows me getting the second hotel room and explaining the situation. They reviewed for about 2 weeks, then again denied the claim. 
So here we are. I rarely make disputes and the previous ones I have opened with other credit card companies are way easier of a process and they would have approved this claim. I don't see any valid reason for Barclays to have denied this, the service by XXXX XXXX was not as described or provided. 


Lastly I'm going to attach evidence for all of this and reviews on XXXX. That shows many other people complaining of the same thing. Hot tubs not working, rooms not as described, shady people outside.

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 2025-06-12 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My name is XXXX XXXX XXXX, and XXXX directly submitting this complaint. Theres no third party involved. 
Ive been trying to buy a home, but incorrect credit report entries are in the way. Ive tried to stay patient, but the lack of updates has been disappointing. 
This issue has created stress and delayed important goals. Please act quickly to correct it after reviewing my letters.

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 2025-06-12 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: MD

Complaint narrative:
My name is XXXX XXXX XXXX, and XXXX directly submitting this complaint. Theres no third party involved. 
Ive been trying to buy a home, but incorrect credit report entries are in the way. Ive tried to stay patient, but the lack of updates has been disappointing. 
This issue has created stress and delayed important goals. Please act quickly to correct it after reviewing my letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have sent in multiple disputes via mail and Transunion is the only company that continuously sends me this stall letter as if someone is mailing them disputes on my behalf when i've sent my own mail directly to Transunion. this poor business practice has cause severe financial harm upon me and my credit report.

Per Law you are required to accurately investigate my dispute and if note done within 30 days by law all accounts disputed need to be removed from my credit report. proof of my direct personal mail will be included here.

Under the FCRA ( 15 U.S. Code 1681 I ), I request that you investigate and verify the accuracy and Metro 2 compliance of this tradeline. If the data can not be verified with full compliance to Metro 2 standards, I am requesting that the account be permanently removed from my credit file.

Please Remove the following inaccurate accounts as they XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  REMOVE THE FOLLOWING Inquiries 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 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 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 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 2025-06-11 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: IL

Complaint narrative:
In late XXXX and early XXXX, I made multiple purchases from the merchant XXXX  for digital goods ( XXXX XXXX  ). These coins were later revoked by the merchant after the sale, rendering them unusable and worthless a clear case of misrepresentation. 

I filed disputes with Chase, which were initially submitted under Visa Reason Code 13.1 ( Goods Not Received ). They were denied on the basis that the coins were initially delivered. I then asked for the disputes to be reopened under Visa Reason Code 13.3 ( Misrepresentation of Goods or Services ), since the issue was not about non-receipt, but post-sale revocation.

Chase reopened the disputes again under 13.1, and they were again denied. After further insistence, Chase told me they reopened the disputes under 13.3 but the disputes were denied again very quickly, with no indication that the merchant was contacted or that the unique misrepresentation issue was reviewed.

Chase then told me they could not escalate the disputes further. I believe this process violated proper handling under XXXX rules and deprived me of access to XXXX arbitration. My evidence of misrepresentation appears not to have been considered in good faith, and the disputes were denied based on irrelevant criteria. 

I am requesting CFPB oversight to ensure that : 1. The disputes are properly reviewed under XXXX  Reason Code 13.3, 2. The merchant is engaged as required, 3. And XXXX arbitration is made available if the issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: FL

Complaint narrative:
Subject : Identity Theft Formal Dispute and Request to Block Fraudulent Account and Inquiries under FCRA 605B ( 15 U.S.C. 1681c-2 ) I am writing to formally dispute and demand the immediate blocking of fraudulent information currently reported on my TransUnion credit report. This request is made under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 and 15 U.S.C. 1681b ( a ) ( 2 ).

I am the victim of identity theft. I did not authorize the account listed below, nor the credit inquiries associated with it. Furthermore, I never provided consent or was notified, in violation of my rights under 15 U.S.C. 1681a ( 4 ).

Pursuant to 15 U.S.C. 1681c-2, upon submission of a valid identity theft report, credit reporting agencies must block any information resulting from identity theft within four business days. I am enclosing a copy of my FTC Identity Theft Report ( Report Number : XXXX ) to support this claim. 

Fraudulent Account to Be Blocked from TransUnion : XXXX Account # : XXXXXXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Closed Date : XX/XX/XXXX Status : Collection/Chargeoff Creditor Type : XXXX XXXX Account Type : Unsecured Loan This account was not opened by me and is the result of identity theft. I have contacted the creditor and the bureau multiple times with no response or validation under FCRA 609 ( a ) ( 1 ) or 611 ( a ). 

Fraudulent Inquiries to Be Blocked from TransUnion : 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 XXXXXX/XX/XXXX These inquiries were not authorized by me and are clear indicators of fraudulent activity on my report. 

Resolution Requested : Immediately block and suppress the fraudulent account and inquiries listed above from my TransUnion credit report under FCRA 605B. 

Provide written confirmation within 4 business days that this information has been removed and blocked.

Ensure the block remains active for one year, with the option to extend.

Failure to comply will result in a formal complaint being filed with the
potential legal action under FCRA 616 for willful noncompliance.

Thank you for your immediate attention to this matter.

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 2025-06-12 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: Paypal Holdings, Inc
State: IL

Complaint narrative:
Venmo refused to replace the money taken from mu account due to unauthorized use. I had to file disputes and their excuse for their refusal to return the money is bogus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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 2025-06-12 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally request that you block the following fraudulent information from my credit report, in accordance with 15 U.S.C. 1681c2, as it resulted from identity theft and is not related to any transaction made by me. Ive received a copy of my credit report and I noticed several unauthorized accounts reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally request that you block the following fraudulent information from my credit report, in accordance with 15 U.S.C. 1681c2, as it resulted from identity theft and is not related to any transaction made by me. Ive received a copy of my credit report and I noticed several unauthorized accounts reporting to my credit report. These remarks have 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 non-monetary relief
Consumer complaint received 2025-06-11 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: MO

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. 
XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 2025-06-11 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: WA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EdFinancial Services
State: OH

Complaint narrative:
I called ED Financial, and finally spoke to a representative after an egregious amount of time, only for them to say they could not help me with my impacted credit score that dropped XXXX points, and there was nothing they could do on their end. I was then told that the issue had to be on the Credit Bureau 's end and to call them, which I did after ED Financial hung up the phone. I spoke with a representative from TransUnion Credit Bureau who was extremely helpful, and told me the ED Financial has not sent an updated report since XX/XX/scrub>XXXX XXXX XXXX Today is XX/XX/scrub>XXXX XXXX XXXX  The Representative also told me they are reporting my account with ED Financial as 120 days delinquent. I never even received a notice of 30 days late or 60 days late, only 90 days delinquent. After that notice, I immediately paid the full amount owed, of {$1300.00} on XX/XX/year>. I have also continued to make full payments of {$270.00} on dates XX/XX/scrub>XXXX XXXX XXXXXX/XX/year>. I also have another payment still processing of {$200.00} paid XX/XX/year>. I did receive a notification on XX/XX/year> through XXXX XXXX that my score had increased XXXX points, but have yet to see that number reflect on any of my reports. I have filed a dispute with TransUnion regarding ED Financial for reporting negative information and causing prejudice to my score during a vital period of my life. They have delayed their reports, negatively impacted my score, and refused to help at all on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-11 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: CT

Complaint narrative:
Please see supporting documents pertaining to Equifax data breach

Company response to consumer: Closed with non-monetary relief