vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously requested an investigation for the following accounts ; however, I have not received any information, and the errors listed below are still being reported on my file. It has been more than 30 days, which exceeds the time frame allowed for completing your investigation. Please note, I am NOT requesting verification at this time. Instead, I am requesting that my credit report be corrected, as it has been longer than 30 days. 

XXXX XXXX XXXXXXXX - an open account which is reflecting a late payment history only on Experian and XXXX, and not XXXX, which suggests a billing error. Also, the 'date opened " dates are different from one another ; 'high balance ' is incorrect ; 'last activity ' dates do not match ; 'last reported " dates are different. Due to the many billing errors on this account, I ask that this account be updated to paid as agrees, never late.

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 2025-03-26 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: NJ

Complaint narrative:
This account was charged off on the following date ( XX/XX/year> ) since then the account has repeatedly been update as charged off every month. This is an update on payment history. A charge off account should not include an active payment history this inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights I am demanding a deletion of the following account : 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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 







XXXX XXXX Account 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 2025-03-26 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: IN

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, 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 opened at XXXXXXXX XXXX XXXX XXXXXXXX XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX  XXXX XXXX XX/XX/XXXX with a balance of {$210.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit 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 2025-03-26 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, 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 opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$24000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX 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. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit 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 2025-03-26 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XX/XX/25 Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Cease and Desist FDCPA Violation & Immediate Deletion of Account To Whom It May Concern, I am writing to formally dispute the debt referenced in the text message I received from your company on XX/XX/25 at XXXXXXXX XXXX regarding an alleged WebBank ( Fingerhut ) account. This communication violates the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C. 1692c ( a ) ( 1 ), which prohibits debt collectors from contacting consumers at inconvenient or unusual times, defined as before XXXX XXXX XXXX XXXX XXXX XXXX in the consumers local time zone. Your text message was sent outside the allowable time frame, making it an unlawful attempt to collect a debt. 



Additionally, I have been affected by the recent data breach, where my personal information was leaked and compromised. Given this breach, I have reason to believe that my private information has been mishandled and improperly accessed, further raising concerns about the legitimacy of your collection attempts. The fact that my personal data has been exposed without my consent is both frustrating and unacceptable.

Following with 15 USC 1681i, there are multiple errors : My address is XXXX XXXX XXXX XXXX XXXX, NY XXXX The Debt Collector has XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. The resident described in the alleged debt is a XXXX. 



Due to these violations and concerns, I am demanding the immediate deletion of this alleged debt from your records and confirmation that no further collection attempts will be made. Your failure to comply will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursue legal action for damages under FDCPA and data privacy laws. 



You are also hereby instructed to cease all communication with me immediately. Any further contact, including phone calls, emails, text messages, or letters, will be documented as additional violations of the FDCPA. 



I expect written confirmation of the deletion of this account within 10 days of receipt of this letter. 



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 2025-03-26 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights 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 explanation
Consumer complaint received 2025-03-26 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:
I am requesting your help to investigate accounts where companies have mistakenly reported late payments. Upon reviewing my credit report, I found errors on specific accounts showing late payments that should not be there. These accounts should not have any late remarks. Please remove these errors and update them to reflect a positive status.

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 2025-03-26 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
To whom it may concern, I, XXXX XXXX XXXX, am writing you today as an aggrieved, indigent man. My wallet was stolen, which contained my driver 's license, social security card, along with my identity. Several fraudulent accounts were opened in my name without my knowledge or consent. I checked my credit report XX/XX/XXXX and noticed a fraudulent account XXXX XXXX XXXX. The amount XXXX XXXX XXXX alleges I owe is {$4300.00}. Another fraudulent account listed is for XXXX XXXX XXXX 
The amount XXXX XXXX XXXX alleges I owe is {$1500.00}. I did not request any services or goods from this business. I have no knowledge of, nor did I consent to opening an account with this business. 

There are also hard inquiries, I have no knowledge of, nor did I consent to opening an account with this business. 

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

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 2025-03-26 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 sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

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 2025-03-26 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: GA

Complaint narrative:
The late payment in question is reported by [ Creditor 's Name ] for the period of [ insert date of late payment ]. I believe this information is incorrect and does not comply with the requirements outlined in the Truth in Lending Act ( TILA ), specifically section 1637 ( b ) of Title 15, which mandates that creditors provide accurate and complete information regarding the terms of credit, including payment history. 
Furthermore, according to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, furnishers of information must report accurate details. The late payment reported does not reflect my true payment history, and I request that you investigate this matter in accordance with 15 U.S. Code 1681i. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XXXX To support my dispute, I have enclosed copies of relevant documentation, including [ list any supporting documents, such as payment receipts, account statements, etc. ]. 
I respectfully request that you investigate this matter and remove the inaccurate late payment from my credit report. Please confirm in writing that the correction has been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 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 explanation
Consumer complaint received 2025-03-26 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I signed a contract for purchase of a condo in XXXX XXXX Fl on XX/XX/XXXX and I signed a loan application through Chase on XX/XX/XXXX. I received my loan commitment on XX/XX/XXXX from Chase. The expected closing date was XX/XX/XXXX. During this time, I checked in periodically with my mortgage team to make sure everything was in line, and I repeatedly received " you are good '', just waiting for the closing date to approach. As I continued to check in with my mortgage team and as the closing date approached and timelines passed, the expectation of closing was not an issue. I made deposits for contract work, purchased items for the condo such as appliances etc to be ready for closing and renovations to commence. Chase did not effectively manage the timelines where if there was any issue during underwriting or any indication that they could not fund the mortgage where I would be protected in the event the mortgage could not close. On Thursday XX/XX/XXXX at XXXX I received a call from my mortgage broker at Chase stating that XXXX XXXX may have an issue with the roof insurance coverage on the building, but they are working on the issue. Why are they still working on this on XX/XX/XXXX? The final date to back out due to circumstances regarding ability to fund the loan from the lender was XX/XX/XXXX. My closing date is XX/XX/XXXX! This was an issue out of my control. On Friday XX/XX/XXXX at XXXX I received a call from mortgage broker stating that Chase will not fund the loan due to the " project '' and that XXXX XXXX and XXXX XXXX  won't approve the funding. That was it, I was left holding all the risk without any recourse to now back out, I would lose my escrow of $ XXXX to the seller and a {$7000.00} deposit to my contractor for cabinets that he ordered and was due to start working on XX/XX/XXXX. Chase inadequately handled the mortgage underwriting timeline and did not protect me from losses due to the underwriting process. In order to mitigate damages, I had to quickly search for a mortgage lender that would fund a non conventional loan that will now cost me more money and timing is of the essence, the seller agreed to an extension but if I can't close on this purchase from another lender I will be out of pocket of at least {$17000.00}. I have since asked numerous times for documentation in writing for official reasons and have not been met with a courtesy of anything for my records to present to the seller who now believes that I am a bad risk.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-26 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: GA

Complaint narrative:
To : Credit Reporting Agency Subject : Request for Removal of Unveriable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by XXXX, Experian, and XXXX. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for {$1900.00} from XXXXXXXX XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has XXXX removed this unveriable debt from my report as of XX/XX/year>. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report.

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit le. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 
Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including ling a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation