vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 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: NC

Complaint narrative:
I am writing to formally request your immediate intervention regarding fraudulent and inaccurate information currently reporting on my credit file as a direct result of identity theft.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, I am entitled to the protection and accuracy of my credit information. Specifically : 15 U.S. Code 1681g mandates that I have the right to full disclosure of the information in my file and to expect reasonable procedures to maintain its confidentiality and accuracy.

15 U.S. Code 1681c-2 gives me the right to block any information resulting from identity theft from being reported by consumer reporting agencies.

15 U.S. Code 1681i requires that consumer reporting agencies reinvestigate and correct inaccurate or incomplete information promptly.

Despite these protections, my personal information has been compromised in a data breach, and fraudulent items, including unauthorized addresses and hard inquiries, have appeared on my report. This constitutes a violation of my consumer rights, defamation of character, and is inflicting significant emotional and financial hardship, especially as I am in the process of purchasing a home for my family.

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 2025-04-10 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase insists on arbitrarily denying or allowing, without explanation, the granting of its promised 2x Travel awards for its Saphire Preferred credit card. It widely promotes, promises, and guarantees that it will give 2x travel awards for XXXX. 

Why were my previous XXXX transactions in the Travel category awarded 2x points? Where in the card member agreement does it state that XXXX is classified as a Real Estate Manager category instead of Travel? Why is it promoted that 2x points are given for Travel, including XXXX? 

Instead of answering any of the questions, I was instead given no explanation and the only solution provided was the issue would be escalated ( case ID : XXXX and XXXX ). I first spoke with XXXX and then account manager XXXX XXXX both refused to provide any identifying information ). Especially disconcerting is that any concrete information was provided by either. I simply want to know : do you provide 2x travel rewards for XXXX or not? If you do not, why do you seem to arbitrarily grant 2x travel rewards at times and deny them at other times ( XXXX 2x travel awards granted by chase on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX )? Why is it promoted across the web that you do provide 2x travel rewards for stays with XXXX? 

I have other credit cards that will provide 2x rewards for XXXX or I can have XXXX stays directly debited from my checking account that provide a 2 % savings rate. Due to this and simply wanting trustworthy, direct information to be provided by Chase on their policy regarding 2x travel rewards with XXXX, I do not understand why Chase doesnt do what they promise. Instead, they double down on misinformation and deceit. I will never use this credit card again and my trust in Chae is broken for good.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-04-10 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: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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:
On XX/XX/year>, I submitted a full identity theft dispute to TransUnion. My packet includes my FTC Identity Theft Report ( # XXXX ), government-issued photo ID, Social Security card , and proof of address. These documents meet the requirements of FCRA 605B.

My credit report contains multiple fraudulent accounts that I did not authorize or open, as well as inaccurate personal information that was added as a result of the identity theft. The following accounts must be deleted immediately : XXXX XXXX XXXXXXXX ) {$1600.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$880.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) {$130.00} XXXX XXXX ( XXXX ) {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) {$380.00} XXXX XXXX ( XXXX & XXXX ) {$490.00} XXXX {$420.00} XXXX XXXX XXXX ( XXXX ) {$580.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$930.00} I am also requesting the removal of the following inaccurate personal information : Incorrect Addresses ( I have never lived at any of these ) : XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX, XXXX XXXX XXXX GA XXXX XXXX XXXX, XXXX XXXX XXXX GA XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX My only accurate address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Other incorrect information to XXXX deleted : Phone numbers XXXX ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX SSN variations : XXXX, XXXX Employers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Spouse : XXXX ( I am not married ) Incorrect name variants to be XXXX : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX I XXXX XXXX XXXX XXXX assistance in enforcing my rights under the Fair Credit Reporting Act and ensuring that TransUnion conducts a complete and lawful reinvestigation.

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 2025-04-10 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: AL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
There is inaccurate information on my credit report that is completely incorrect and misleading. This error is affecting my creditworthiness and does not reflect my actual financial history or responsibility. I have reviewed my records carefully, and I can confirm without any doubt that the reported information is wrong. I did not authorize this, I am not responsible for it, and it should never have been included in my file. This kind of reporting damages not only my credit but my credibility, and I refuse to accept it staying on my record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: PA

Complaint narrative:
I am writing to formally file a complaint against Equifax regarding their failure to properly investigate inaccurate information reported on my credit report. I have disputed the following accounts, but Equifax has not conducted a reasonable or adequate investigation in accordance with the Fair Credit Reporting Act ( FCRA ) : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Despite my dispute submissions, Equifax has continued to report these accounts without providing sufficient evidence of a proper reinvestigation or validating the accuracy of the information. I believe this violates my rights under the FCRA, particularly sections 611 and 623, which require consumer reporting agencies to conduct a reasonable investigation and ensure maximum possible accuracy of the information they report.

I request the CFPBs assistance in holding Equifax accountable and ensuring that a thorough and fair investigation is completed regarding the accounts listed above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Has not shown me validation for inaccurate accounts on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: SLM CORPORATION
State: CA

Complaint narrative:
I am writing to formally dispute the fraudulent loan that has been erroneously reported under my name and to address its impact on my credit report. As Sallie Mae previously informed me during the investigation process, this loan was identified as fraudulent and should not appear on my credit record. 

However, despite this assurance, I have recently discovered that the loan is now being reported as late on my credit file, significantly affecting my credit score. This inaccurate reporting is not only causing financial hardship but also negatively impacting my credibility and ability to secure housing and other essential services.

I respectfully request that Sallie Mae : Investigate this matter promptly and confirm in writing the steps being taken to correct the issue. 

Work with the credit reporting agencies to remove any negative information related to this loan from my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from XXXX  XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-04-10 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: FL

Complaint narrative:
Data breach, improper use, fraud activity and inaccuracies. 

XXXX XXXX XXXX Last reported XX/XX/XXXX {$580.00} Open balance XXXX XXXX XXXX Original creditor Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Account information disputed by consumer Account information disputed by consumer Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX Last reported XXXX XXXX, XXXX {$1600.00} Open balance XXXX XXXX XXXX Original creditor Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Account information disputed by consumer Account information disputed by consumer Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$2600.00} Open balance XXXX XXXX XXXX XXXX Original creditor Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Account information disputed by consumer Account information disputed by consumer Original creditor name XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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:
There is inaccurate information on my credit report that is completely incorrect and misleading. This error is affecting my creditworthiness and does not reflect my actual financial history or responsibility. I have reviewed my records carefully, and I can confirm without any doubt that the reported information is wrong. I did not authorize this, I am not responsible for it, and it should never have been included in my file. This kind of reporting damages not only my credit but my credibility, and I refuse to accept it staying on my record.

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 2025-04-10 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX ) {$1700.00} XXXX XXXX XXXX XXXX ) {$860.00} XXXX XXXX XXXX ( XXXX ) {$220.00} XXXX XXXX XXXX ( XXXX ) {$510.00} XXXX XXXX XXXX ( XXXX ) {$190.00} XXXX XXXX XXXX XXXXXXXX ) {$94.00} I've reached out and sent certified mail to XXXX, Equifax, and XXXX the problems hasn't been resolved and I haven't received a response within the 30 days.

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 2025-04-10 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX ) {$1700.00} XXXX XXXX XXXX XXXX ) {$860.00} XXXX XXXX XXXX ( XXXX ) {$220.00} XXXX XXXX XXXX ( XXXX ) {$510.00} XXXX XXXX XXXX ( XXXX ) {$190.00} XXXX XXXX XXXX XXXXXXXX ) {$94.00} I've reached out and sent certified mail to XXXX, Equifax, and XXXX the problems hasn't been resolved and I haven't received a response within the 30 days.

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 2025-04-10 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: MD

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-04-10 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: National Credit Systems,Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Urgent Dispute & Request for Immediate Removal of Fraudulent Accounts Under FCRA Dear XXXX I am writing to formally dispute inaccurate and unverifiable information currently listed on my XXXX and XXXX credit report. I am requesting that you conduct a reinvestigation of the disputed item ( s ) in compliance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically : - **15 U.S.C. 1681i ( a ) ( 1 ) : ** Which requires XXXX to conduct a reasonable reinvestigation of any disputed item. 
- **15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : ** Which requires that you provide me with a description of the procedure used during your investigation, including the name and address of the data furnisher.

- **15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : ** Which mandates that unverifiable or inaccurate information must be deleted from my credit file. 

Thank you for your attention on this matter.

Company response to consumer: Closed with explanation