vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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 writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXXXXXX Balance {$2800.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$550.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX  Balance {$410.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$190.00} Open Date XXXX XXXX, XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX Balance {$470.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$17.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/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 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 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

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 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/year>, I made a payment in the amount of {$10000.00} to my Chase credit card ending in XXXX. This was a closed account. I made an error in issuing the payment. I made sure to reissue the payment on XX/XX/XXXX to the correct account ending in XXXX and called to explain the situation and request a payment reversal. I received a letter from Chase postmarked XX/XX/XXXX that they rejected the payment to account XXXX and payment would be made back to the bank account that issued 'within 20 days. ' On XX/XX/XXXX, I called Chase and spoke with Payment Account Supervisor XXXX. She issued an escalation and stated it would take another 7 days to get a communication. 
On XX/XX/XXXX, I called again as I still have not received the payment reversal back to my account. XXXX the Account Supervisor Payments in Chase stated that the 20 days in the letter meant XXXX 'business ' days. However, it was not stated as 'business days ' in the letter Chase sent to me. XXXX said I 'should " receive the payment by XX/XX/XXXX but if I did not I would need to call back again. Again no guarantee or clear confirmation that my payment would be issued. This was an honest mistake but I feel that Chase is not concerned with their customers. 
This is very disturbing that they have been holding on to my funds for such a long period of time without any resolution. This is a large sum of money that is needed to support my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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:
My personal and financial data was compromised violating FERPA. I request full cancelation of my student loan debt.

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 2025-04-21 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 am writing to you with deep concern and frustration regarding an account that appears on my credit report and is causing significant distress in my personal and financial life. The account in question is : Creditor : XXXX XXXX  Partial Account Number : XXXX * * * * Date Opened : XX/XX/year> Reported High Credit : {$16000.00} Issue : I do not recognize this account and have no knowledge of ever opening or authorizing this line of credit. I fear that this may be the result of identity theft or an error in reporting. I have always taken great pride in maintaining a clean and responsible financial record, and seeing this large and unfamiliar account on my credit report has been both shocking and deeply troubling. 

This situation is not just about numbersits about my peace of mind, my familys security, and my ability to move forward in life without being unfairly penalized by a system meant to protect me. 

FCRA Violations : Under the Fair Credit Reporting Act ( FCRA ), I am afforded the right to fair and accurate reporting. I believe this entry is a violation of : Section XXXX ( b ) Credit bureaus must follow reasonable procedures to assure maximum possible accuracy of the information. 

Section XXXX ( a ) ( XXXX ) I have the right to know the source and origin of the information reported. 

Section XXXX ( a ) I have the right to dispute incomplete or inaccurate information and request a prompt reinvestigation. 

Given these rights, I formally request that you : Action Requested : Immediately investigate this account with the data furnisher ( XXXX XXXX XXXX and verify its legitimacy. 

If the account can not be XXXX XXXX verified as belonging to me, it must be removed from my credit file promptly. 

Provide me with a written explanation of the investigation outcome, including documentation used to verify the account. 

Send me a free updated copy of my credit report reflecting the changes. 

This situation is creating unnecessary hardship. I have already faced difficulty securing financial opportunities due to this potentially fraudulent entry. Please take this matter seriously and act swiftly in accordance with your obligations under federal law. 

Thank you for your immediate attention to this urgent matter. I trust that you will honor your responsibility to protect consumers from inaccurate and harmful information. 

Sincerely, 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 2025-04-21 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: CA

Complaint narrative:
I am writing to you with deep concern and frustration regarding an account that appears on my credit report and is causing significant distress in my personal and financial life. The account in question is : Creditor : XXXX XXXX  Partial Account Number : XXXX * * * * Date Opened : XX/XX/year> Reported High Credit : {$16000.00} Issue : I do not recognize this account and have no knowledge of ever opening or authorizing this line of credit. I fear that this may be the result of identity theft or an error in reporting. I have always taken great pride in maintaining a clean and responsible financial record, and seeing this large and unfamiliar account on my credit report has been both shocking and deeply troubling. 

This situation is not just about numbersits about my peace of mind, my familys security, and my ability to move forward in life without being unfairly penalized by a system meant to protect me. 

FCRA Violations : Under the Fair Credit Reporting Act ( FCRA ), I am afforded the right to fair and accurate reporting. I believe this entry is a violation of : Section XXXX ( b ) Credit bureaus must follow reasonable procedures to assure maximum possible accuracy of the information. 

Section XXXX ( a ) ( XXXX ) I have the right to know the source and origin of the information reported. 

Section XXXX ( a ) I have the right to dispute incomplete or inaccurate information and request a prompt reinvestigation. 

Given these rights, I formally request that you : Action Requested : Immediately investigate this account with the data furnisher ( XXXX XXXX XXXX and verify its legitimacy. 

If the account can not be XXXX XXXX verified as belonging to me, it must be removed from my credit file promptly. 

Provide me with a written explanation of the investigation outcome, including documentation used to verify the account. 

Send me a free updated copy of my credit report reflecting the changes. 

This situation is creating unnecessary hardship. I have already faced difficulty securing financial opportunities due to this potentially fraudulent entry. Please take this matter seriously and act swiftly in accordance with your obligations under federal law. 

Thank you for your immediate attention to this urgent matter. I trust that you will honor your responsibility to protect consumers from inaccurate and harmful information. 

Sincerely, 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 2025-04-21 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: TX

Complaint narrative:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-21 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: NC

Complaint narrative:
Subject : Identity Theft Dispute of Fraudulent Account with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : I am a victim of identity theft and am not responsible for the fraudulent account listed below. Despite providing supporting documentation, this account remains improperly associated with my credit profile. 

Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX I have attached valid identity theft documentation to this complaint, including my Identity Theft Report. Under the Fair Credit Reporting Act ( FCRA ), specifically 1681c-2, I am requesting that this fraudulent account be blocked and permanently removed from my credit report. I did not open or authorize this account, and it is a result of identity theft. 

To date, this account continues to appear on my credit report, and no adequate resolution has been provided despite proper submission of documents. I respectfully request the CFPBs assistance in ensuring full compliance with FCRA guidelines and that XXXXXXXX XXXX XXXX XXXXXXXX Loan Services take immediate action to remove and cease reporting of this fraudulent tradeline. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: NC

Complaint narrative:
Subject : Identity Theft Dispute of Fraudulent Account with XXXX XXXX XXXX XXXXXXXX XXXX XXXX Complaint : I am a victim of identity theft and am not responsible for the fraudulent account listed below. Despite providing supporting documentation, this account remains improperly associated with my credit profile. 

Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number XXXX XXXX I have attached valid identity theft documentation to this complaint, including my Identity Theft Report. Under the Fair Credit Reporting Act ( FCRA ), specifically 1681c-2, I am requesting that this fraudulent account be blocked and permanently removed from my credit report. I did not open or authorize this account, and it is a result of identity theft. 

To date, this account continues to appear on my credit report, and no adequate resolution has been provided despite proper submission of documents. I respectfully request the CFPBs assistance in ensuring full compliance with FCRA guidelines and that XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX take immediate action to remove and cease reporting of this fraudulent tradeline. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: MI

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 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 2025-04-21 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:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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 writing to formally dispute an issue regarding my student loan account referenced above, which I believe has led to an unjustified decrease of XXXX points in my credit score. This drop is linked to an incorrect or illegal reporting of information related to my loan. I noticed that my credit score dropped dramatically, and after reviewing my credit report, I found that my loan servicer reported inaccurate informationspecifically, a late payment or default status that was never applicable. 
I firmly believe that this reporting is either a clerical error or an illegal practice under the Fair Credit Reporting Act ( FCRA ), and I am requesting that you immediately : 1. Correct any inaccuracies on my loan account, including removing any reports of late payments, defaults, or missed payments that were inaccurately filed.

2. Contact the credit reporting agencies ( Experian, XXXX, and XXXX XXXX to update my credit file with the corrected information and restore my score to its rightful level.

3. Provide written confirmation of the correction and a detailed explanation of how this error occurred. 


I have no emails where it states that they would be doing this change and I certain have not agreed to anything. My account also shows a different name for the student loans other than XXXX which is not accurate as well as an increased in price.

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 2025-04-21 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: MI

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 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 2025-04-21 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of 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 2025-04-21 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: MA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is currently reporting collection agency XXXX XXXX original creditor XXXX XXXX XXXX knocking down my XXXX XXXX by XXXX points. The account, which appears to be a collection account, has been previously reported by XXXX separate collection agencies, both of which have since been removed from my credit report after investigation. It is now appearing again, based in Louisiana. This is not the first time Experian has reported previously deleted information on my credit file. 

I would like to emphasize that I have not resided in Louisiana for over XXXX years, and I have never opened or authorized any account with the creditor in question. This account also does not have a social security number association. Re-reporting of a previously deleted and unverifiable account by a different agency may constitute a violation of the FCRA, including but not limited to : Section 611 ( 15 U.S.C. 1681i ) which requires credit bureaus to conduct a reasonable investigation when a consumer disputes the accuracy of information.

Section 604 ( 15 U.S.C. 1681b ) which limits access to a consumers credit file to those with a permissible purpose.

Section 623 ( 15 U.S.C. 1681s-2 ) which prohibits data furnishers from reporting inaccurate information and requires correction or deletion if the information can not be verified.

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 2025-04-21 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My report shows certain inquiries that do not appear to meet the requirement of permissible purpose as outlined in 15 USC 1681b. I believe these inquiries were unintended, and I am requesting their removal.

Company response to consumer: Closed with non-monetary relief