vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a dispute regarding an account that is inaccurately and inconsistently reporting the Date Last Active across the XXXX credit bureaus for account XXXX : TransUnion reports : XX/XX/XXXX Experian reports : XX/XX/XXXX Equifax reports : XX/XX/XXXX The date reported by Equifax is not only inconsistent but also impossible, as there has been no activity on this closed account since XXXX. Reporting a XXXX date is clearly inaccurate and damaging to my credit profile. 

This inconsistency is a direct violation of the Fair Credit Reporting Act ( FCRA ), Section 1681e ( b ), which requires furnishers and credit bureaus to maintain accurate and consistent reporting. 


Understand this is NOT a dispute letter as there is nothing to dispute. I am DEMANDING you, the agent, to follow your fiduciary responsibility to me and remove/delete the information from my consumer file. This has been an egregious failure to follow your very own reasonable procedures required by the Fair Credit Reporting Act.

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 2025-04-18 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:
I am filing a dispute regarding an account that is inaccurately and inconsistently reporting the Date Last Active across the XXXX credit bureaus for account XXXX : TransUnion reports : XX/XX/XXXX Experian reports : XX/XX/XXXX Equifax reports : XX/XX/XXXX The date reported by Equifax is not only inconsistent but also impossible, as there has been no activity on this closed account since XXXX. Reporting a XXXX date is clearly inaccurate and damaging to my credit profile. 

This inconsistency is a direct violation of the Fair Credit Reporting Act ( FCRA ), Section 1681e ( b ), which requires furnishers and credit bureaus to maintain accurate and consistent reporting. 


Understand this is NOT a dispute letter as there is nothing to dispute. I am DEMANDING you, the agent, to follow your fiduciary responsibility to me and remove/delete the information from my consumer file. This has been an egregious failure to follow your very own reasonable procedures required by the Fair Credit Reporting Act.

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 2025-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Larry H. Miller Group of Companies
State: PA

Complaint narrative:
This loan was paid and closed by insurance, however, not only is the account charged off, the balance is still increasing monthly and XXXX continuously opens and reports the account as closed which tanks my credit score. My original $ XXXX loan is showing owed currently at $ XXXX after being charged off for years. Ive taken every step to try and rectify this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: VA

Complaint narrative:
I am submitting this complaint due to inaccurate and conflicting reporting of my XXXX XXXX XXXX  XXXX account across the credit bureaus. TransUnion is showing the account as late in XXXX, while Equifax lists the last update as XXXX. TransUnion is reporting the account as XXXX  days late and Equifax is reporting XXXX. These dates are inconsistent and can not be verified. 

I have disputed this account multiple times with the credit bureaus, yet the account continues to appear on my credit report with no documentation provided to validate the alleged delinquency. This is a violation of the Fair Credit Reporting Act, including but not limited to : 15 U.S.C. 1681i : Failure to reinvestigate disputed information 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy 15 U.S.C. 1681s-2 ( b ) : Duty of furnishers to investigate and correct inaccurate data The continued inaccurate reporting has harmed my credit score and ability to access fair credit. I am requesting the immediate removal of this XXXX XXXX account from all consumer reporting agencies unless verified with valid documentation. Please investigate this matter and ensure the bureaus are held accountable.

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 2025-04-18 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:
XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are the account Im reporting In accordance with the fair credit report act the list of accounts I listed at the top has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. I looked at my Experian credit report on XX/XX/year> and I noticed some things are incomplete and not accurate, and according to the fair credit reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the procedure to assure maximum possible accuracy of information concerning the individual about whom the report relates. According to 15 USC 1681 ( e ) ( b ) and according to 15 USC 16i5 they are supposed to do this ( 5 ) treatment of inaccurate or unverified infomation ( a ) in generally, after any investigation under paragraph ( i ) of any information disputed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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:
XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are the account Im reporting In accordance with the fair credit report act the list of accounts I listed at the top has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. I looked at my Experian credit report on XX/XX/year> and I noticed some things are incomplete and not accurate, and according to the fair credit reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the procedure to assure maximum possible accuracy of information concerning the individual about whom the report relates. According to 15 USC 1681 ( e ) ( b ) and according to 15 USC 16i5 they are supposed to do this ( 5 ) treatment of inaccurate or unverified infomation ( a ) in generally, after any investigation under paragraph ( i ) of any information disputed.

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 2025-04-18 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: CA

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 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 2025-04-18 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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:
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 explanation
Consumer complaint received 2025-04-18 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : Click or tap here to enter text. 
XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: AZ

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-04-18 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I applied and got approved for a Citibank business credit card with a sign up bonus offer of XXXX XXXX XXXX miles upon spending $ XXXX within the first 5 months. I completed the required spend on XX/XX/XXXX. To date, I still have not received the bonus miles. 
I called Citibank on XX/XX/XXXX and XX/XX/XXXX and was transferred to XXXX different people with a lot of frustration and no resolution. They kept citing an erroneous reason as to why I was not awarded the bonus miles, stating that I had already opened a Citibank business credit card before in the last XXXX  months, which is not true. When I asked to verify that account number of the prior credit card they were referring to, they gave me a credit card account number which solely belongs to my wife for her own separate business ( XXXX XXXX ). They did acknowledge that that credit card was my wifes alone, and not mine, and that I have never been an authorized user of that account. 
I finally asked to be transferred to a supervisor named XXXX. I told her I have screenshots of the terms of the offer when I applied for the credit card. She acknowledged all the above information, and said she would send me an email within XXXX hours. This was on XX/XX/XXXX. I still have not received an email, and I still have not received my bonus miles.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Chase Bank froze my personal account over XXXX months ago and has refused to release my funds or give a clear explanation. 

I deposited XXXX into my savings account and another XXXX into my checking account. In addition, I received XXXX from a personal contact and XXXX from XXXX, which is a third-party processor affiliated with XXXX. However, only the XXXX appears as available, while the rest of the funds are missing or frozen. 

Ive contacted Chase multiple times over the past XXXX months, requesting a real update or the opportunity to speak to a manager or the relevant team, and Ive only received generic template replies. No actual reason has been provided, no timeline has been offered, and I have no access to my own funds. 

These funds represent a mix of personal savings and income from side projects, and I am experiencing real financial stress and emotional anxiety due to this situation. I am asking for your help to force Chase to provide a real explanation and return access to my money as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: TX

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$6400.00}XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7800.00} & XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$2300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$6400.00}XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7800.00} & XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$2300.00}

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 2025-04-18 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: Experian Information Solutions Inc.
State: VA

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 explanation