vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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: IL

Complaint narrative:
The items listed below are reported on my personal credit file and were found in my reports with credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX, XXXX, XXXX 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 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 XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: MD

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio recovery is reporting account XXXX a debt in the amount of {$480.00} on my credit report. I am unaware of this debt and have not been provided with the opportunity to dispute this account. If you believe that you sent proper notification PLEASE provide " certified mail with receipt of displaying my signature. If not please delete the account in which i have no account number or any other information other then what is showing on my credit report as soon as possible or I will have to take legal action for this reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 
I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : 1.XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} 2.XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX 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 2025-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, a resident of the State of XXXX, and I am writing respectfully to notify you that I have been the victim of a complex financial fraud scheme, which involved identity theft, psychological manipulation, fraudulent use of digital platforms, false international remittances, and unauthorized bank transfers. 

On XX/XX/year>, I was contacted by an individual claiming to be my cousin, XXXX XXXX, who, according to her, resides in XXXX. This person asked for my assistance in receiving two suitcases and a box at my residence, claiming to be experiencing travel and documentation issues. Trusting the legitimacy of her request, I agreed and provided a copy of my passport and address. 

On XX/XX/year>, I received a phone call from an individual identifying himself as XXXX XXXX from the number XXXX ( XXXX ) XXXX, who claimed to be a representative of XXXX. He informed me that the shipment contained high-value items ( jewelry and electronics ) with an estimated worth of {$45000.00}, and that I needed to pay {$4700.00} to release the package from customs. 

Acting in good faith and under pressure, I made the following payments : {$2300.00} to XXXX XXXX, account no. XXXX, at Chase Bank, through an in-person teller transaction completed by my husband. 

{$2000.00}, also to XXXX XXXX, via teller at Chase Bank. 

{$1000.00} to XXXX XXXX XXXX XXXX, account no. XXXX, also at Chase Bank. 


I was later informed that {$300000.00} in undeclared cash had allegedly been discovered in the luggage, and I was threatened with criminal charges for money laundering if I did not pay an additional {$33000.00} to legalize the funds. 

Upon realizing the fraudulent nature of the situation on XX/XX/year>, I ceased all payments. The person impersonating my cousin falsely accused me of theft and blocked all communication. 

On XX/XX/year>, I filed a formal complaint with the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, under case number XXXX, handled by XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, phone : XXXX. 

I have notified both Chase Bank and XXXX XXXX about the case and have enclosed copies of all relevant documents, receipts, and messages as supporting evidence. 

I hereby formally request the CFPB to : XXXX. Initiate an investigation into this case. 


XXXX Review the transactions carried out at Chase Bank and XXXX XXXX XXXX 


XXXX. Provide assistance and guidance as a victim of financial fraud. 



Thank you in advance for your attention to this matter. I am available to provide any additional documentation and to cooperate throughout the investigative process. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, Florida

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and 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 reported to be removed/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. 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!

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 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Asset Recovery Bureau LLC
State: MI

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Request for Debt Validation Account No. [ Insert Account Number ] To Whom It May Concern, I am writing to formally request validation of a debt you allege I owe. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. The amount of the debt ; 2. The name of the original creditor ; 3. A copy of any judgment ( if applicable ) ; 4. Verification that you are authorized to collect on this debt ; 5. A detailed accounting of the debt including all fees, interest, and payments ; 6. A copy of the original signed agreement or contract. 

Until this information is provided, please consider this debt disputed. Additionally, I request that you cease all collection activities, including reporting this alleged debt to any credit reporting agencies, until proper validation has been provided. 

This letter is not a refusal to pay, but a request for verification. If you do not respond within 30 days with the requested documentation, I will consider this matter closed. 

Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: DISCOVER BANK
State: IL

Complaint narrative:
This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
DISCOVER BANK XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/year>, I sent {$65.00} through my Chime account to someone claiming to sell me a social media account. The first payment was {$35.00} at XXXX XXXX, and then I sent an additional {$30.00} at XXXX XXXX  after they promised full account access. 

After receiving both payments, the person claimed I needed to send {$42.00} more for a verification code. At that point, I realized it was a scam. I asked for a refund or the account, but they stopped replying and eventually blocked me on social media. 

I immediately contacted Chime support and spoke with a representative and a supervisor. I explained everything and asked for the transaction to be reversed or investigated. However, I was told that Chime could not help me, even though this was a fraudulent transaction. 

Im requesting that Chime issue a refund of the {$65.00} I lost due to this scam. I acted in good faith and have proof of the transaction and messages showing the scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: AL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX BKPT CT AL DECATUR-VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant courXXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX of Alabama that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-04-23 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: CA

Complaint narrative:
I am submitting this statement to formally report that I have been a victim of identity theft. As a result, there are fraudulent accounts and/or inquiries on my credit report that I did not authorize or open. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and requesting that these items be investigated, verified, and removed immediately. 



Details of the Dispute : I am disputing the following information that appears on my credit report, which I believe to be the result of identity theft : 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  Current Balance : {$3600.00} Status : Charged Off These accounts and inquiries are not mine, and I have not given anyone permission to open or use these accounts on my behalf. 



Formal Request for Investigation and Debt Verification : Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting that the credit reporting agencies immediately block and delete these fraudulent items from my report.

Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), I am formally requesting debt verification for all disputed accounts. This means I expect the credit bureaus and furnishers to provide documented proof that I authorized these accounts. If they can not verify the debts with valid evidence such as a signed contract or agreement the accounts must be permanently removed from my credit file. 



Compensation for False Verification : As stated in FCRA 616 ( 15 U.S.C. 1681n ), if any account is falsely verified as valid despite my identity theft claim, I am entitled to statutory damages of {$1000.00} per violation. 



Supporting Documentation : I have included the following documents to support my claim : A copy of my identity theft report ( police report & FTC Identity Theft Affidavit ) A copy of my government-issued ID Requested Actions : I am requesting the following : 1. Immediate blocking and removal of all fraudulent accounts and inquiries.

2. Debt verification for all disputed accounts.

3. Written confirmation that the fraudulent items have been deleted from my report.

4. Proof that the furnishers of these accounts have been notified and instructed to cease reporting any unverifiable information.

5. An updated copy of my credit report reflecting these corrections.

I expect confirmation in writing that my request has been processed in accordance with the FCRA. Please be advised that failure to comply may result in further legal 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 explanation
Consumer complaint received 2025-04-23 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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 reported to be removed/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. I have requested proof that this information was mailed or delivered XXXX 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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Well credit acceptance repossessed the car after I tried possessed the XXXX sold it and what's me to pay the defiences. Now I believe that credit acceptance violated my rights under the 15 u.s.c 1681 common know as the fair credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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:
This is now the third time Im reaching out regarding a dispute I submitted concerning an account on my credit report that I firmly believe remains inaccurate and incomplete. Despite my previous efforts, the matter has yet to be properly reviewed, and the incorrect information continues to appear. 

Its becoming extremely difficult to remain hopeful, as theres no indication that a thorough investigation has been conducted. This ongoing issue has been deeply stressful and is significantly impacting both my well-being and my daily life. Im feeling completely exhausted and disheartened. 

Please note that I am personally submitting this disputeno third party is involved. All Im asking for is a fair, complete, and timely review of my concern. 

I would sincerely appreciate your urgent attention to this matter. Thank you for your time, patience, and understanding. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief