vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-04-24 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: TN

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-04-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Ive noticed multiple inquiries from your company showing up on my credit report, and Im incredibly confused and frustrated. I havent applied for any services, accounts, or loans with you in fact, I dont recall having any interaction with your company at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: SC

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

Company 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 2025-04-25 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: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
This is an extension of the previous complaint - XXXX, filed on XX/XX/year>. 

A personnel was assigned from the Office of the President, by Barclays to resolve this case. I had spoken to this personnel ( XXXX XXXX XXXX and provided him with all the background details. 

On XXXX XXXX, Barclays got back to me that the investigation was complete, BUT they were unable to resolve the issue in my favor. I spoke to XXXX XXXX and he confirmed that Barclays was unable to identify the details of the merchant in XXXX to whom this payment was made, but still did not consider this a fraudulent transaction. This is very surprising that the credit card company is unable to even identify the beneficiary of a transaction.

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 2025-04-24 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: EQUIFAX, INC.
State: NJ

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
Last month I opened a Cash App account. I filled the required information in, and linked my debit card. A payment of XXXX dollars was sent to me from XXXX of my contacts. For some reason when I tried to withdraw the funds, my account was closed. I contacted customer service and they told me there would be a investigation of what happened. In the meantime my account would be closed and if I wanted to withdraw any funds I would have to link another card. I linked another card but was still unable to withdraw funds. I've called again several times but no one would give me answers to my concern. I feel that I have been taken advantage of and my rights have been violated. Please respond to my inquiry and let me know which steps I should take?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: CA

Complaint narrative:
This whole situation has been incredibly stressful. Ive been doing everything right on my end, but my report is still dragging me down because of info that isnt even accurate. Ive been turned away from things that really mattered, and its frustrating to keep explaining myself over something that shouldnt be there in the first place.

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 2025-04-24 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: TX

Complaint narrative:
Account : XXXXXXXX XXXX XXXX  Account # : XXXX * * * * Account : XXXX XXXX Account # : XXXX * * * * The account has been previously disputed and came back verified. However, no documentation was received from the creditor nor the bureaus substantiating the validity, accuracy or ownership of the account ; a clear violation of my rights under the FCRA. Under section 605B of the FCRA, if information is alleged to be a result of identity theft or can not be verified, the account must be removed from the credit 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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Account : XXXXXXXX XXXX XXXX  Account # : XXXX * * * * Account : XXXX XXXX Account # : XXXX * * * * The account has been previously disputed and came back verified. However, no documentation was received from the creditor nor the bureaus substantiating the validity, accuracy or ownership of the account ; a clear violation of my rights under the FCRA. Under section 605B of the FCRA, if information is alleged to be a result of identity theft or can not be verified, the account must be removed from the credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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:
Account : XXXXXXXX XXXX XXXX  Account # : XXXX * * * * Account : XXXX XXXX Account # : XXXX * * * * The account has been previously disputed and came back verified. However, no documentation was received from the creditor nor the bureaus substantiating the validity, accuracy or ownership of the account ; a clear violation of my rights under the FCRA. Under section 605B of the FCRA, if information is alleged to be a result of identity theft or can not be verified, the account must be removed from the credit 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 2025-04-24 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: TX

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

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2025-04-24 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: NY

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
XXXX XXXX called me from XXXX and XXXX out of California demanding payment for a debt that was paid off XX/XX/year>. She said they were going to put a lien on my house and garnish my wages. She provided my address, social security number and phone number, but there is no paperwork from them, nor judgement against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: IL

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

Company 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 2025-04-24 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: NY

Complaint narrative:
These companies accessed my credit report without permission, negatively impacting my credit. Although TransUnion assured me these inquiries would be removed, they remain. Their presence causes stress and raises concerns of possible identity theft.

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 2025-04-24 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: Exeter Finance, LLC.
State: AL

Complaint narrative:
Inquiries XXXX XXXXXXXX XXXX  ran without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX Il, XXXX ] [ XXXX/XXXX/2925 ] [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX XXXX, SD XXXX ] RE : Request for Update of Charged-Off Account in Compliance with FCRA Section 623 and Metro 2 Guidelines To Whom It May Concern, I am writing in regard to the above-referenced account, which was charged off and is currently being reported on my credit report. I request that your organization review this account for compliance with the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( 15 U.S.C. 1681s-2 ), and update the reporting in accordance with Metro 2 guidelines. As per FCRA 623 ( a ) ( 2 ), data furnishers are required to report accurate and complete information to the credit reporting agencies. In reviewing my credit file, I have identified potential inaccuracies or outdated information regarding this account that may not accurately reflect its current status. I respectfully request that the account be updated to reflect the following, as applicable : - Indicate the account as Charged-Off with a zero balance, if sold or transferred - Include notation such as Paid in Full, Settled for Less than Full Balance, or Account Closed, as appropriate - Correct any past-due balances or payment history inaccuracies Please provide written confirmation once the account has been updated with the appropriate Metro 2 status codes to ensure compliance with industry reporting standards. If this request is denied, please send a written explanation, including the basis for your decision and supporting documentation. If the account was sold, kindly provide the name and contact details of the current owner of the debt. Thank you for your attention to this matter. Sincerely,

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 2025-04-25 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: PA

Complaint narrative:
Im incredibly frustrated right nowwhen I checked my credit report this morning, there was an unauthorized inquiry that wasnt there before. I dont know where it came from or why it appeared. I tried refreshing my browser just in case, but the inquiry stayed. This is unacceptable, and I want the documents I sent reviewed thoroughly right away to prevent this from happening again.

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 2025-04-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: BMO BANK NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I have an RV installment loan with this company. They are refusing to send me a substitute 1098 tax interest form. I have asked them multiple times. They refuse. RV are considered homes.

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 2025-04-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
Keep in mind all these correspondences and text state " Chase Fraud ''. On XX/XX/year> at XXXX wife received a text from " Chase Fraud XXXX asking if she purchased from XXXX. She stated no. She was then told that {$2000.00} was sent to XXXX to a person name XXXX. We have never in our life used XXXX. She then took the call ( which all toll lasted from around XXXX to around XXXX and he ask how much was in our acct " {$2800.00} '' ) and the man on the other end talked her through how to open a XXXX acct and then instructed her to send herself {$2000.00}. By doing this it would re-route the money back to our Chase Checking acct. He said would take about XXXX hrs for this to happen and call back next morning at XXXX. She called the next morning, and he identified himself when answering the phone as " CHASE XXXX '' ( XXXX ). How once again had her open a XXXX acct and again send herself {$870.00}. Then he told her in an hour all the money would be directed back to our acct. When I found all this out, I sent her to Chase and to fill a Fraud notice withdraw. Chase seemed to hap hazardly take information, never looked at the texts she told them she had on her phone. Told her the Fraud Dept would look into it. Got an email last night XX/XX/year> stating that Chase closed the investigation and it warranted no further action, and we would not be reimbursed for the {$2800.00}. Please if you can help!! 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
I am disputing a collection account placed by Diversified Adjustment Services for XXXX XXXXXXXX XXXX. I was never contacted by phone, email, or text- all of which were on file. XXXX only mailed a notice to an address I had already vacated ( I was there for only 2-3 weeks ). The letter was returned to sender. 

I only found out about this collection when I saw it on my credit report months later. I immediately paid the debt in full. XXXX also records phone lines, in which an XXXX representative admitted the company had my correct contact info but failed to use it. 

One of the three major credit bureaus already agreed and permanently removed this collection from my credit report. I am asking this be taken off the other two. 

This reporting has caused significant damage to my credit as I prepare to purchase my first home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation