vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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:
Recently, I looked at my at a copy of my credit report to obtain my credit. It is my understanding that you will investigate this account for me to ensure accuracy. here is the account I'm asking you to verify as accurate. 

Here are the accounts 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 2025-05-14 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: NY

Complaint narrative:
I am writing to report that I was the victim of an imposter scam involving a spoofed phone call from someone claiming to be a representative of Chase Bank. 

On XXXX, I received a phone call from a number that matched Chases official customer service number ( as it appeared on my caller ID ). The caller claimed that there were suspicious transactions on my bank account and said they were from Chase 's fraud department. They instructed me to use XXXX to " reverse '' a fraudulent charge by sending a {$2000.00} Dollars payment to what they claimed was a secure, Chase-controlled XXXX account XXXX 

Trusting that I was speaking with a legitimate Chase representative, I followed their instructions and sent {$2000.00} Dollars via XXXX to the account they provided. It was only afterward that I realized I had been tricked and that the call was a scam. 

This was a fraudulently induced, authorized transaction meaning I was manipulated into sending the money under false pretenses. I now understand this type of scam is increasingly common and has impacted many others. 

I request that this incident be fully investigated, and that the funds be reimbursed under Chases fraud protections or the XXXX reimbursement policy for imposter scams. I have attached/saved all supporting information including the phone number, XXXX recipient info, and any correspondence related to the event. 

Thank you for your attention to this matter. Please let me know if you require any additional documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: VA

Complaint narrative:
This is a follow-up to my prior CFPB complaint ( # XXXX, submitted XX/XX/year> ) regarding Equifaxs failure to conduct XXXX lawful reinvestigation of disputed credit items. 

In that complaint, I disputed multiple tradelinesincluding accounts from XXXX XXXXXXXX XXXX  ( approx. {$52000.00} ), XXXX XXXX XXXX XXXX XXXX ( approx. {$7000.00} ), and a public record from the XXXX Bankruptcy XXXX in XXXX, WAdue to inaccuracies and lack of documentation. My written dispute was sent with supporting ID and explicitly requested verification in accordance with FCRA 611.

Equifax responded generically, marking the accounts as verified, but failed to provide : Any documentary evidence, A description of the reinvestigation conducted, Identification of the furnishers or data sources. 

Since that time, Equifax has continued to report these tradelines without correction or substantiation, despite multiple follow-up communications. They have not complied with FCRA 611 ( a ) ( 1 ) ( A ) or 611 ( a ) ( 7 ), which require both a reasonable reinvestigation and a disclosure of verification methods upon request. 

Their refusal to provide this information prevents me from reconciling these accounts as part of a federal background check and clearance reviewexposing me to reputational, legal, and professional harm. 

This constitutes a clear and continuing pattern of noncompliance. I am requesting immediate CFPB oversight and that Equifax be required to : Conduct a proper reinvestigation of each item, Disclose its method of verification and furnishers relied upon, Remove any unverifiable or inaccurate information under FCRA 607 ( b ), 616, and 617.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: CO

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: CO

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-14 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: TN

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

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 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
This agency is violating my consumer rights by using false misleading misrepresentation and deceptive means. They have never provided validation information for this account yet they are reporting it on my consumer report. Ive made previous attempts to resolve this matter and I know I am entitled to {$1000.00} for every violation from debt collectors. Please delete this account or compensate me for damages such as defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
I just recently looked at me credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I sent a letter to Equifax on XX/XX/XXXX here is my tracking number XXXX and asked them to investigate this but they still haven't fixed this problem. Can you investigate this matter. 

XXXX x + Update a + ADDRESS XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX REQUEST ORIGINATOR N/A 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. 

DESCRIPTION XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX REQUEST ORIGINATOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. 

XXXX XXXX, XXXX. 

XXXX XXXX, XXXX. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX. 

XXXX XXXX, XXXX. 

XXXX XXXX, XXXX. 

XXXX XXXX, XXXX. 

XXXX XXXX, XXXX. 

XX/XX/XXXX XXXX XXXX, XXXX. 

XX/XX/XXXX XXXX XXXX, XXXX. 

XX/XX/XXXX XXXX XXXX, XXXX XXXX Mostly cloudy XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Q Search XXXX XXXX, XXXX. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX View You 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/XXXX XXXX XXXX, XXXX. 

XXXX XXXX, XXXX. 

XXXX XXXX, XXXX. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX. 

XXXX XXXX, XXXX. 

XXXX XXXX, XXXX. 

XXXX XXXX, XXXX. 

XXXX XXXX, XXXX. 

XX/XX/XXXX XXXX XXXX, XXXX. 

XX/XX/XXXX XXXX XXXX, XXXX. 

XX/XX/XXXX XXXX XXXX, XXXX XXXX Mostly cloudy XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This inquiry has no permissible purpose to be on my report.

Delete this inquiry dur to violation of 15 USC 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: MD

Complaint narrative:
I am filing this complaint to dispute the accuracy of the payment history reported on one or more of my accounts. After reviewing my credit reports, I noticed entries showing late payments that I believe are incorrect and may fall under billing errors as defined in 15 USC 1666 ( b ) of the Fair Credit Billing Act.

To the best of my recollection, I was not late on these accounts, and I am requesting a thorough investigation into the accuracy of the reported information. If found to be inaccurate, I respectfully ask that the records be corrected to reflect on-time payments. 

This issue has caused ongoing stress and is now negatively impacting my day-to-day life. The emotional and mental strain from seeing unresolved errors on my credit report has been overwhelming. 

I want to make it clear that I am submitting this dispute on my own behalf. There is no third-party representative involved. I am simply asking for a fair and complete review of this matter in accordance with federal consumer protection laws. 

Thank you for your time and attention to this complaint. 

1. Late Payment ( Open ) XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. Late Payment ( Open ) XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  3. Late Payment ( Open ) XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  4. Late Payment ( Open ) XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. Late Payment ( Open ) XXXX Account Number : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-05-14 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: IL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens 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 non-monetary relief
Consumer complaint received 2025-05-14 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: FL

Complaint narrative:
This late payment mark is incorrect and does not align with my actual payment history. I have been diligent in making timely payments, and I request an update to ensure accuracy in my records.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX, Equifax have incorrect and reporting on my credit report company applied bank. This account was paid and settled in XX/XX/XXXX and its still showing a balance on my credit report. 

Iam writing to challenge the reporting and compliance on an account with Applied Bank that is being reported on my credit report with incorrect information Iam referring the fact that you reporting a missing field here such as Status, incorrect high balance inaccuracy payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I wanted them to validate why they sent me a third card by XXXX XXXX Which was don't due to the first replacement card was stolen. To explain why they refused each police report j tried to submit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: LA

Complaint narrative:
I noticed inaccurate accounts on my credit profile.

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 2025-05-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
They are reporting the status of a charge off incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: PA

Complaint narrative:
These accounts were opened without my authorization and should not be on my credit report. I urge you to correct this issue by deleting them.

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 2025-05-14 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 submitted my police report, identity theft report, 2 proofs of Verification. 2 proofs of address. A Letter of Removal/Letter of deletion. Copy of social & Licence. 
EVERYTHING TYPED. 
ALL THOSE DOCUMENTS. ONLY, TO GET BACK A SHEET OF PAPER SAYING ; THAT WHAT WAS SENT IN WAS NOT LEGIBLE. THIS MORNING WHEN I CALLED, The representative was BAFFLED. 
I WANT THOSE ACCOUNTS DELETED FROM MY CREDIT PROFILE IMMEDIATELY.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am formally disputing the accuracy and legitimacy of the following accounts reported on my credit file : 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  I believe these items are either the result of identity theft, unauthorized activity , or were directly impacted by the unauthorized access and breach of my personal data. I have not authorized these accounts or transactions and have attempted to resolve this matter directly with the credit bureaus without success. Under the FCRA, all consumer reporting agencies are required to ensure the maximum possible accuracy of the information they report, and must remove or correct any information that is found to be inaccurate or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: LEXISNEXIS
State: TN

Complaint narrative:
LexisNexis is reporting a XXXX  to XXXX  under Reference Number XXXX that I believe is inaccurate and unverifiable. I disputed the entry in writing and requested the method of verification under FCRA 609 ( a ) ( 2 ), including the source, documentation relied on, and verification procedures used. 

LexisNexis responded in a letter dated XX/XX/year>, stating they do not produce consumer reports that contain tradeline data and are a reseller of credit reports from XXXX, XXXX, and XXXX. However, the XXXX  remains on my XXXX  report, and LexisNexis has not provided verification or a valid source. 

XXXX  XXXX  do not report to credit bureaus. If LexisNexis did not receive the data from the court, and they are only reselling bureau data, they are still responsible under FCRA 607 ( b ) for ensuring accuracy. Reporting unverifiable public record data and failing to remove it after a valid dispute is a violation of FCRA 611. 

I am requesting an investigation and enforcement of my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under my rights as outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate report. I am asking for a review of these entries, and if they can not be confirmed as accurate, they should 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