vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXXccount number : XXXX Account name : XXXX Account number : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2025-03-08 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: VA

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-03-08 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: HEARTLAND PAYMENT SYSTEMS INC
State: FL

Complaint narrative:
Account Type XXXX - Credit Extension, Review, Or Collection Account Status Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department Payment Type Installment Responsibility Individual

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: MS

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 2025-03-08 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: MS

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not authorizr anyone employed by these companies to make any inquiries nor to my pull my consumer report. In addition I did not give permission to furnish such items to my consumer report. The erroneous information violates Fair Credit Report ACT section 1681b ( c ) which constitutes as fraud.

I've attached my personal identifiable information to this complaint. FCRA section 605b ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The accounts that was not authorized ; 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 2025-03-08 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX-DEBT FINAL RULE XXXX ( B ) ( XXXX ) XXXX ( B ) ( XXXX ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX OF DEBT XXXX AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX {$1000.00} XX/XX/XXXX {$610.00} XXXX {$0.00} XXXX {$0.00} XXXX CARD {$0.00} XXXX XXXX XXXX {$0.00} XXXX CREDIT {$930.00} XXXX CREDIT {$750.00} XXXX FUNDING {$1300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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:
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 2025-03-08 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: 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 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 2025-03-08 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: FL

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA XXXX ( XXXX U.S.C. XXXX ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
THE XXXX XXXX XXXX ( Original Creditor : XXXX COMMUNICATIONS ) XXXX Balance {$110.00} OXXXX XXXX Balance : {$2200.00} XXXX  NETWORK INC/F XXXX XXXX : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Albert Corporation
State: CA

Complaint narrative:
I have tried numerous times to cancel my Albert Banking account. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX are all dates i have tried to figure out how to cancel my account my emailing their support team. The correspondence has not helped. 

I was told on XX/XX/XXXX that my account was deleted. On XX/XX/XXXX {$16.00} was removed from my banking account by XXXX XXXX for membership. 

I did not approve of this transaction.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: FL

Complaint narrative:
Date : XX/XX/year> Subject : Dispute & Request for Immediate Removal Dept. of XXXX XXXX XXXX Dear TransUnion XXXX Department XXXX XXXX, XXXX I am disputing the reporting of a Dept. of XXXX student XXXX account on my credit report. This account was illegally disclosed without my authorization and should be immediately removed due to violations of the Fair Credit Reporting Act ( XXXX  ) and the Family Educational Rights and Privacy Act ( XXXX ). 
Account in Dispute : Dept. of XXXX Account # XXXX Legal Violations & Consumer Rights Breach : XXXX. FERPA Violation ( XXXX XXXX. XXXX ) : My student loan records are federally protected educational records and should not have been disclosed without my explicit consent. 
XXXX. Unauthorized Third-Party Access XXXX XXXX XXXX XXXX XXXX XXXX student loan information was accessed by unauthorized third parties, including XXXX and XXXX XXXX XXXX which is a violation of my privacy rights. 
XXXX. FCRA Violation ( XXXX XXXX. XXXX ( b ) ) : You are required to verify the accuracy of reported information. The continued reporting of this unverified loan makes its presence on my credit report inaccurate and unlawful. 
Demand for XXXX XXXX : XXXX. Immediately delete this disputed student loan account from my credit report. 
XXXX. Provide written confirmation that this account has been removed. 
XXXX. If you refuse, provide a full investigation report proving I authorized this reporting. 
I expect a written response confirming this dispute has been resolved within 30 days. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX Last XXXX of 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 2025-03-08 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:
Date : XX/XX/year> Subject : Dispute & Request for Immediate Removal Dept. of XXXX XXXX XXXX Dear XXXX XXXX Department XXXX Equifax, XXXX I am disputing the reporting of a Dept. of XXXX student XXXX account on my credit report. This account was illegally disclosed without my authorization and should be immediately removed due to violations of the Fair Credit Reporting Act ( XXXX  ) and the Family Educational Rights and Privacy Act ( XXXX ). 
Account in Dispute : Dept. of XX/XX/XXXX Account # XXXX Legal Violations & Consumer Rights Breach : XXXX. FERPA Violation ( XXXX XXXX. XXXX ) : My student loan records are federally protected educational records and should not have been disclosed without my explicit consent. 
XXXX. Unauthorized Third-Party Access XXXX XXXX XXXX XXXX XXXX XXXX student loan information was accessed by unauthorized third parties, including XXXX and XXXX XXXX XXXX which is a violation of my privacy rights. 
XXXX. FCRA Violation ( XXXX XXXX. XXXX ( b ) ) : You are required to verify the accuracy of reported information. The continued reporting of this unverified loan makes its presence on my credit report inaccurate and unlawful. 
Demand for XXXX XXXX : XXXX. Immediately delete this disputed student loan account from my credit report. 
XXXX. Provide written confirmation that this account has been removed. 
XXXX. If you refuse, provide a full investigation report proving I authorized this reporting. 
I expect a written response confirming this dispute has been resolved within XXXX  days. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX Last XXXX of XXXX : XXXX ________________________________________

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: FL

Complaint narrative:
Date : XX/XX/year> Subject : Dispute & Request for Immediate Removal Dept. of XXXX XXXX XXXX Dear XXXX XXXX Department XXXX XXXX, Experian I am disputing the reporting of a Dept. of XXXX student XXXX account on my credit report. This account was illegally disclosed without my authorization and should be immediately removed due to violations of the Fair Credit Reporting Act ( FCRA ) and the Family Educational Rights and Privacy Act ( XXXX ). 
Account in Dispute : Dept. of XXXX Account # XXXX Legal Violations & Consumer Rights Breach : XXXX. FERPA Violation ( XXXX XXXX. XXXX ) : My student loan records are federally protected educational records and should not have been disclosed without my explicit consent. 
XXXX. Unauthorized Third-Party Access XXXX XXXX XXXX XXXX XXXX XXXX student loan information was accessed by unauthorized third parties, including XXXX and XXXX XXXX XXXX which is a violation of my privacy rights. 
XXXX. FCRA Violation ( XXXX XXXX. XXXX ( b ) ) : You are required to verify the accuracy of reported information. The continued reporting of this unverified loan makes its presence on my credit report inaccurate and unlawful. 
Demand for XXXX XXXX : XXXX. Immediately delete this disputed student loan account from my credit report. 
XXXX. Provide written confirmation that this account has been removed. 
XXXX. If you refuse, provide a full investigation report proving I authorized this reporting. 
I expect a written response confirming this dispute has been resolved within XXXX  days. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX Last XXXX of 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 2025-03-08 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: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
To whom it may concern, I have recently pulled my credit report and noticed there's a collection listing from your agency.

I have never been notified of this collection action or that I owe this debt.

This letter is to inform you that I have a right to request a validation of this debt and your ability to collect this money from me.I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
See CFB closed file XXXX for prior information. 

Chase did refund the late fee, but did nothing to show the correct information on my minimum payment due ( which is XX/XX/year>2025 ). When I attempted to make a payment, all the info on my online account still showed a {$0.00} minimum amount due on XX/XX/scrub>/2025. When I went to find the statement, I found yet another document stating that my minimum payment for XXXX/XXXX/2025 was {$0.00}. When I went to the statement ( which was hidden in a different link ), it would not let me use the " make payment '' link because it said I had no payment due at this time. I had to go to the " schedule a payment '' in order to make my payment. This is not right. All my other credit cards actually send me a notice by e-mail that my payment date is coming a week before it is due. They state very clearly what the minimum payment is. Chase makes me hunt for it. There is no reason it should show, especially in two different places, that I have a minimum due payment of {$0.00} when it shows a different minimum due ( this case {$74.00} ) in an area that I have to search for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXXccount number : XXXX Account name : XXXX Account number : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief