vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-20 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, IL XXXX XX/XX/XXXX RE : Formal Dispute of Inaccurate Credit Information To Whom It May Concern, Under the Fair Credit Reporting Act ( FCRA ), I am writing to dispute inaccurate and possibly unverifiable negative items listed on my Transunion credit report related to XXXX  XXXX and XXXX. These accounts are either reporting in error or do not accurately reflect my payment history. 



Per 15 U.S.C. 1681i, XXXX  is obligated to investigate disputed entries and remove or correct any that can not be verified. Furthermore, in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), it was reaffirmed that the FCRA mandates a reasonable reinvestigation standard. 



I am requesting the following : Verification and source of information for each disputed item Written documentation proving the accuracy of the negative entries Immediate removal of any unverifiable or inaccurate information The presence of unverifiable data is a violation of my rights and can result in civil liability as stated under 15 U.S.C. 1681n and 1681o. 



Please respond within the required 30-day time frame. Enclosed are supporting documents including a copy of my report, ID, and proof of address. 



Sincerely, 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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I hope this message finds you well. I am writing to formally address a situation concerning my consumer report that requires your immediate attention. Recently, I applied for a credit card and was unexpectedly denied. Upon reviewing my consumer report, I discovered multiple inquiries that I do not recognize, which have subsequently raised concerns. 

As an individual committed to maintaining ethical financial habits, I found this occurrence particularly perplexing. The inquiries in question, listed below, have had an adverse effect on my creditworthiness : * 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 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 To my knowledge, I do not hold accounts with any of these institutions, nor have I authorized these inquiries. In light of this, I am invoking my rights under the Fair Credit Reporting Act, specifically pursuant to U.S.C. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ), to dispute these incorrect entries and demand their prompt investigation and rectification.

I kindly request your cooperation to have these inquiries removed from my consumer report and blocked from reappearing. Please treat this matter with urgency, ensuring resolution within five business days of this communication. 

Your attention to this issue is critically important. If further documentation or information is required to expedite this process, please do not hesitate to contact me at your earliest convenience. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-04-20 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: MD

Complaint narrative:
I attended XXXX XXXX XXXX who was a part of the XXXX XXXX lawsuit due to schools committing misconduct. I was notified on XX/XX/XXXX that my initial complaint would remain a part of the lawsuit. 

On Tuesday XX/XX/XXXX I was notified via email that my Federal Student loans with XXXX XXXX XXXX would all be Dismissed/Discharged. All loans on my Credit Profile are from XXXX XXXX XXXX and should be deleted from my Credit profile. Ive reached out to XXXX xs 15 ( Student Loan Servicer ) who each time instructed me to contact the Department of Education, they stated they needed to be in receipt of correspondence from them. Ive reached out continuously to the Department of Education xs 15 and they have stated that yes these loans are all to be forgiven/ deleted and will be at some time?? I clearly believe this is due to the current situation with the Department of Education at present and should not continue to have a negative impact on me. I have attached the correspondence that clearly states these loans are all to be deleted from 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 2025-04-20 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: GA

Complaint narrative:
Credit I looked at my account on XX/XX/XXXX and noticed some things are incomplete and not accurate. 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. I Sent a letter asking them to reinvestigate these accounts listed below Credit I looked at my account on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. 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. I Sent a letter asking them to reinvestigate these accounts listed below because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  date XXXX shows date opened XX/XX/XXXX and date last active as of XX/XX/XXXX Experian Shows date opened as XX/XX/XXXX and the last date of activity on this account XXXX am asking you to reinvestigate this account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account I have gotten the investigation back but nothing was modified or updated on the account So i requested a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681I7 They also violated 15 USC 168I ( 5 ) Can you look into 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 2025-04-20 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: GA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-04-20 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:
Around XX/XX/XXXX I entered into a business agreement with XXXX XXXX XXXX XXXX purchase a shelf corporation. I sent {$3600.00} from my Chase XXXX credit card as partial payment on the purchase. XXXX XXXX an attorney in XXXX XXXX accepted the funds XXXX send XXXX XXXX XXXX XXXX. I was to receive the XXXX XXXX in 50 days from the time the funds were sent and received by XXXX XXXX XXXX. I never received any proof that a shelf corporation was purchased XXXX after not receiving the XXXX XXXX as promised ; in XX/XX/XXXX, I demanded answers from XXXX XXXX XXXX. He said that my application was denied. I asked for a return XXXX  my funds. I contacted Chase XXXX and filed a chargeback. After weeks XXXX weeks of review Chase decided in favor of XXXX XXXX XXXX. I submitted all evidence XXXX the purchase XXXX also I submitted a letter from XXXX XXXX XXXX ' attorney that I apparently did not qualify for the XXXX XXXX and my funds would be returned. Despite the evidence Chase XXXX did not return my funds and Chase closed the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
This company claiming that they are a company located in California after making the transactions I called XXXX casino and was told that they do not have an on line casino as it is illegal to do on line gambling. I never authorized these charges to this merchant that is in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase employees stole XXXX of points from my cc card account. They used it to buy {$250.00} XXXX gift card & then they covered it up. I never have ordered this card & I never got it. I spend 1h on the phone with customer service I was transferred 4 times but they were just laughed straight on me bc they know that I'm not going to get this money back. I close this account in order to safe my credit from more chase froud but after being customer many years I'm very disappointed & I will tell everybody around what XXXX XXXX XXXX  bank it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The Capital XX/XX/XXXX XXXXl XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX/ XXXX XX/XX/XXXX XXXX XXXX XX/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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Kikoff Inc.
State: TX

Complaint narrative:
Social media advertising ( XXXX ) advertises misleading information about Kikoff company providing credit improving and type of credit they offer. Advertising does not state the type of credit they offer until customers sign up and set up automatic payments with banking institutions. At no time does the company state the type of credit they offer to consumers. Once consumer pays and completes the sign up agreement, company states the type of credit it offers to consumers. This type of credit is for their own internal store, not real monetary credit. And when consumers access their online store, it only shows ebooks. If account is closed by the consumer, they provide to the credit bureaus a negative report against the consumer affecting the consumers credit. If the consumer does not provide real monetary credit cards to consumers upon signing up, they shouldnt be reporting to the credit bureaus at all. Of course, until they apply for a credit card which is a separe credit card services, but not what the consumer originally signs up for. As a result, all advertising videos on XXXX show people encouraging users to get credit with Kikoff but never state its an ebook store.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MD

Complaint narrative:
A payment that I made to my mortgage company in XXXX of XXXX reversed on XX/XX/XXXX. The mortgage company reported to the credit bureau that I was more than 90 days late on my mortgage, which dropped my score down 109 points. Because of the reversed payment, my mortgage company, 53 bank, stated they had to use up to date mortgage payments to back date the missing payment. They reported that I was late on my mortgage payment on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The information they reported is false. I have made payments those months and have my back statements to show for it. They also added late fees which I think the only fee that should be applied is a reverse check fee. My mortgage is up to date and they are telling me that they cant report this new information to the credit bureau or change the false information they have submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: DC

Complaint narrative:
This company has committed fraud against me using my personal information that was stolen. i have included in the package the person picture that stole my identity please see attached document i will be seeking legal advice on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: NY

Complaint narrative:
I opened a secured credit card account with Self Financial XXXX XXXX in XX/XX/XXXX using my own funds. I later closed the account voluntarily in early XX/XX/XXXX, leaving a {$0.00} balance. 

Despite this, they began reporting late payments ( 30, 60, and 90 days late ) for XXXX, XXXX, and XX/XX/XXXX even though : The account had been paid off I received no billing statements or alerts I was never notified of any balance after closure These charges appeared after I had already initiated closure I only became aware of the negative reporting months later. This is a violation of FCRAs accuracy requirements. The reporting is inaccurate, incomplete, and misleading, and I believe it stems from a post-closure charge or internal billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: Early Warning Services, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank Name : XXXX  XXXX XXXX ( OPEN DATE : XX/XX/XXXX ) Bank Routing # : XXXX Account # : XXXX Bank : XXXX  XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX ( Open Date XXXX XX/XX/XXXX XXXX Account XXXX : XXXX Routing # XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX XXXX Account XXXX XXXX XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX XXXX Account # XXXX XXXX Routing # : XXXX XXXX  : XXXX XXXX XXXX ( OPEN DATE : XX/XX/XXXX ACCOUNT # : XXXX ROUTING # : XXXX XXXX  : XXXX XXXX XXXX  ( OPEN DATE XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX XXXX XXXX XXXX ( OPEN DATE : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXXXXXX XXXX XXXX ( Open Date : XX/XX/XXXX XXXX Account XXXX XXXX XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request.

Thank you for your assistance.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I lost my credit card and someone used it to its max. Now Im stuck paying for something I didnt do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX ( XXXX ) XXXX XXXX [ Date ] USAA Federal Savings Bank Attn : Fraud Department XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Identity Theft Dispute Loan Number XXXX To Whom It May Concern, I am writing to formally dispute an account and/or unauthorized charges that have been opened or made in my name as a result of identity theft. I discovered this fraudulent activity on XXXX XXXX, and I am requesting an immediate investigation and resolution. 

The following details are associated with the fraudulent account or charges : Account Holder Name : XXXX XXXX Auto Loan Number : XXXX Type of Account : Auto Loan Date of Fraudulent Activity : XX/XX/XXXX to XX/XX/XXXX Description of Disputed Charges or Activity : Auto Loan I did not open this account and did not authorize these transactions. I am a victim of identity theft and request that this account be closed or removed from my records. I also request that any associated collections be canceled and that my credit report be corrected to reflect the removal of this fraudulent activity. 

Enclosed are the following documents to support my claim : A copy of my government-issued ID A copy of a lease agreement or other proof of address A copy of the FTC Identity Theft Report A copy of the police report I filed regarding the identity theft [ Any other relevant documentation ] In accordance with the Fair Credit Reporting Act and the Fair Credit Billing Act, I respectfully request : 1. Written confirmation that the fraudulent account and any related charges have been removed or resolved.

2. A copy of the results of your investigation.

3. Assurance that my credit report will be corrected and not reflect this fraudulent account. 

Please contact me at the phone number or email listed above if additional information is required. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Personal Information on Credit Report Dear CFPB Team, I am wring to formally dispute the inaccurate personal information listed on my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 607 ( b ) ( 15 U.S.C. 1681e ( b ) ). This incorrect information includes wrong addresses, names, and employers that I have never been associated with. Below are the specific details of the inaccuracies that need to be corrected. Inaccurate Information : XXXX. Wrong Addresses : - Incorrect Address # XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Incorrect Address # XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Correct Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX. Incorrect Names : - Incorrect Name # XXXX : XXXX, XXXX, XXXX - Incorrect Name # XXXX : XXXX XXXX - Correct Name : XXXX XXXX XXXX XXXX. Wrong Employers : - Incorrect Employer : XXXX XXXX XXXX - Correct Employer : XXXX XXXX Actions Requested : 1. Remove Incorrect Addresses : Please remove the incorrect addresses listed above from my credit report.

2. Correct Name : Please ensure that only my correct name, XXXX XXXX XXXX, is reflected on my credit report. 
3. Remove Incorrect Employers : Please remove the incorrect employers listed above from my credit report. 

Supporting Documentation : To assist in verifying my correct personal information, I have enclosed copies of the following documents : - A copy of my government-issued ID. 
- A copy of my Social Security Number.

- A copy of document showing my correct address.

Impact : These inaccuracies have the potential to affect my creditworthiness and cause confusion in my credit profile. It is essential that my credit report contains accurate and up-to-date information. 

Desired Resolution : I am requesting that TransUnion CREDIT REPORTING AGENCY promptly investigate and correct these inaccuracies. Please confirm in wring once the corrections have been made and provide me with an updated copy of my credit report. 

Thank you for your immediate attention to this matter. I look forward to your prompt resolution of these inaccuracies.

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