vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I, XXXX XXXX XXXX, in my legal capacity as the secured party, authorized representative, and principal of The XXXX XXXX XXXX XXXX, am formally issuing this notice and demand for the recognition of the perfected ownership security interest I hold per my duly filed XXXX  Financing Statement and Amendment with the California Secretary of State, File Nos. XXXX and XXXX. 

This filing secures all rights and collateral related to my Chase business account, debit card ending in XXXX, and related services. As recorded, I have assigned all rights and collateral control over this account in accordance with the Assignment of Claims Act of 1940, and my standing as surety and creditor on behalf of the principal obligations. 

Violations and Issues Identified : XXXX. Unlawful Account Closure or Interference : If my business account was suspended, frozen, or closed without notice or due process, this constitutes a violation of the XXXX filing protections and security interest claim filed on XX/XX/XXXX. 
XXXX. Breach of Fiduciary Responsibility and Account Protection : Chase failed to acknowledge protections extended through its own credit card protection, overdraft insurance, and secure ACH and check handling policies, as agreed upon at account opening. 
XXXX. Failure to Honor Cease and Desist Request ( Per XXXX Amendment ) : I explicitly requested that JPMorgan Chase Cease and Desist all unauthorized communication and collection attempts against me and instructed that all actions be addressed directly to the principal. 
XXXX. Fraudulent or Negligent Security Risk : If unauthorized or fraudulent accounts, fees, or transactions were imposed, and proper fraud protections were not enforced per your own service contract and Regulation E protections, this constitutes another breach of duty and liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: GA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$54000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$49000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$49000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$59000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$69000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$17000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach : Account Name : XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX  XXXX Account XXXX : XXXX Opened : XX/XX/XXXX | Balance : {$0.00}

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 2025-04-07 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: WA

Complaint narrative:
I received a letter from Citi regarding an issue with an account ending in 4 # s I didn't recognize, Concerned, I immediately called Citi to report this discrepancy and seek clarification. The answer I received was a misclarification and it had already been taken care of. Then 5 weeks later I got a letter from Citi Bank stating that they had attempted to electronically recover funds, it was my grandson 's account and XXXX denied access and Citi wanted me to go to my bank I guess to say it was ok. I don't know I never got a straight answer.I have reached out to Citi Numerous times with no clear reason. This month I got my Citi statement and after noticing a {$730.00} charge on my current card I contacted customer service and the fraud dept, I have made numerous attempts to retrieve any relevant correspondence, but they have been unable to explain the charge or locate the letter they previously sent. I have reached out many times and at this point, I don't know what else to do I have gone to my bank and they see nothing in the records If you need more info please reach out I will attach the statement that the pre-purchase charge is on also it is XXXX different amounts on the cover statement it's {$730.00} and the Account summary sheet its {$760.00} plus XXXX in interest. My Account with Citi has been close for a year so I do not have a credit card # just the last four digits of the account which is XXXX I have asked them to send me my card # and they will 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 2025-04-07 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: FL

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : Account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have requested in writing to all XXXX bureaus for out Free XXXXXXXX XXXX  report for myself and spouse. Of the XXXX only XXXX is the only one that provided the report in a timely basis and also out credit score. 

XXXX XXXX and Equifax failed to di so. 

Ive written them on XX/XX/year> and again on XX/XX/year> to XXXX XXXX and also Equifax requesting the reports. I sent them all the documents they requested and more There is no reason the them to not send us our reports.

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 2025-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-08 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: PA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TX

Complaint narrative:
I am writing to address an issue regarding my student loans and servicer, XXXX ; that I was unaware of until recently. I recently applied for employment and was rejected for the position due to unsatisfactory credit conditions ; student loan delinquency. Upon reviewing my credit reports, I discovered XXXX has XXXX reporting delinquent student loans under my name, which I was previously unaware of as I presumed all of my student loans were being serviced by my primary student loan servicer. I recently requested XXXX provide me with the details of the loan ( XXXX ) in question, including the current balance, payment history, and any associated fees or penalties. However, XXXX failed to provide requested information and has failed to provide any correspondence regarding any loans that I may have with them. Furthermore, XXXX failed to provide communication /correspondence regarding adverse/negative reporting to my credit reports. Additionally, my student loans being serviced by XXXX have currently in forbearance, and were in forbearance when XXXX began negatively reporting on my credit. However, as previously requested in my complaint filed with the XXXX, I would like to the fair opportunity to bring my accounts with XXXX into good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: AR

Complaint narrative:
I had cable service with XXXX XXXX, now called XXXX ( Parent company XXXX ). On XX/XX/XXXX my house burned down. I called a few days later to cancel my service and the man tried to get me to sign up for a " seasonal service ''. I told him I didn't want it, I didn't live there and was going to sell it when the house was rebuilt. I paid the bill in XXXX when I received it. Insurance put me in a hotel with my 3 cats for weeks before getting me a rental house. I was never so glad to get out of a hotel in my life. 

I received a bill a couple of months later, and called and explained the situation to them again. Again, a man tried to get me to signup for " seasonal service ''. He was very insistent and I said no, I am in a rental house now and didn't know where I am going to live once I sell my house. It wasn't rebuilt until the end of XX/XX/XXXX. 

They credited my account {$100.00} for returning the equipment, but say I didn't cancel my service and are charging me for service from XX/XX/XXXX- XX/XX/XXXX when they say they disconnected the service for non-payment. I was on the phone a couple of months ago for 3 hours after getting a collection letter. They literally transferred me 9 times, 9 times, and I ended up talking to the first person I talked to. The lady told me she would take the charge off if she could, but she couldn't do anything because it had been turned over to collection. 

I am XXXX XXXX XXXX and have paid every bill I ever owed. But, I don't owe this one. 

Can you please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: FL

Complaint narrative:
Recently I have gotten a copy of my consumer report and notice that I have a new inquires that have no permissible purpose, without my consent I'm asking that TransUnion Remove this inquires ASAP that's In a result of a data breach or Id thefXXXX 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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent a dispute with the following on XX/XX/XXXX : Inconsistent and Inaccurate Balances : The reported balances for these accounts vary significantly across the three credit bureaus. This inconsistency demonstrates a clear lack of accuracy in the information being reported. I have reviewed my own records and the amounts reported are not accurate.

Request for Deletion Based on Section 312 of FACTA I am requesting these accounts be removed from all three credit bureaus based on section 312 of the Fair and Accurate Credit Transactions Act ( FACTA ), due to the accounts containing inaccurate information. 

XXXX XXXX XXXX Ending XXXX Opened XX/XX/XXXX - ( XXXX ) {$2300.00} ( Experian ) {$2200.00} ( XXXX ) {$2600.00} XXXX XXXX XXXX  Ending XXXX Opened XX/XX/XXXX - ( XXXX ) {$4200.00} ( Experian ) {$4100.00} ( XXXX ) {$4200.00} XXXXXXXX XXXX XXXX  Ending XXXX Opened XX/XX/XXXX - ( XXXX ) {$4100.00} ( Experian ) {$4000.00} ( XXXX ) {$4100.00}

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 2025-04-07 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: NY

Complaint narrative:
I sent a dispute with the following on XX/XX/XXXX : Inconsistent and Inaccurate Balances : The reported balances for these accounts vary significantly across the three credit bureaus. This inconsistency demonstrates a clear lack of accuracy in the information being reported. I have reviewed my own records and the amounts reported are not accurate.

Request for Deletion Based on Section 312 of FACTA I am requesting these accounts be removed from all three credit bureaus based on section 312 of the Fair and Accurate Credit Transactions Act ( FACTA ), due to the accounts containing inaccurate information. 

XXXX XXXX XXXX  Ending XXXX Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$2300.00} ( XXXX ) {$2200.00} ( TransUnion ) {$2600.00} XXXXXXXX XXXX XXXX Ending XXXX Opened XX/XX/XXXXXXXX XXXX XXXX XXXX  ) {$4200.00} ( XXXX ) {$4100.00} ( TransUnion ) {$4200.00} XXXXXXXX XXXX XXXX  Ending XXXX Opened XX/XX/XXXX - ( XXXX ) {$4100.00} ( XXXX ) {$4000.00} ( TransUnion ) {$4100.00}

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 2025-04-07 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: NY

Complaint narrative:
I sent a dispute with the following on XX/XX/XXXX : Inconsistent and Inaccurate Balances : The reported balances for these accounts vary significantly across the three credit bureaus. This inconsistency demonstrates a clear lack of accuracy in the information being reported. I have reviewed my own records and the amounts reported are not accurate. 
Request for Deletion Based on Section 312 of FACTA I am requesting these accounts be removed from all three credit bureaus based on section 312 of the Fair and Accurate Credit Transactions Act ( FACTA ), due to the accounts containing inaccurate information. 

XXXX XXXX XXXX  Ending XXXX Opened XX/XX/XXXX - ( Equifax ) {$2300.00} ( XXXX ) {$2200.00} ( XXXX ) {$2600.00} XXXXXXXX XXXX XXXX Ending XXXX Opened XX/XX/XXXX - ( Equifax ) {$4200.00} ( XXXX ) {$4100.00} ( XXXX ) {$4200.00} XXXXXXXX XXXX XXXX Ending XXXX Opened XX/XX/XXXX - ( Equifax ) {$4100.00} ( XXXX ) {$4000.00} ( XXXX ) {$4100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company response to consumer: Closed with explanation