vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 2025-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My insurance company was depopulating and cancelled my policy once it expired in XXXX. I was picked up by a new company shortly after, my mortgage company charged me forced insurance on their own behalf and my mortgage payment ballooned to triple the cost, was told I need to pay it. Tried to get them to refund the confusion to rectify the situation and they are taking far to long to process anything and get a refund out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
Applied for a XXXX XXXX and got denied. Got a letter from XXXX XXXX stating why I was XXXX and having Too Many old phone numbers on my report I guess is. XXXX XXXX But I called the number on the paper yo try to find out where they got my credit score from because they claim my score is only XXXX. Well all I got was a recording wanting me to give my info to get that report. When I tried to speak to an agent it kept hanging up. They also said they were collecting a debit from Indigo Credit Card. How is this place able to give WRONG information about my credit score and deserving information on why it got denied. This is a company posing as a credit mongering service to deserve people to get their information to try to collect a debt. I think this company should be shut down and people like me should get a large settlement because I can NOT get any credit due to this reason. My score is over XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Dispute of Inaccurate Personal Information on Credit Report Dear Sir/Madam, I am writing to formally dispute the inaccurate personal information listed on my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 607 ( b ) ( 15 U.S.C. 1681e ( b ) ).

This incorrect information includes wrong addresses, names, and employers that I have never been associated with. Below are the specific details of the inaccuracies that need to be corrected. 
Inaccurate Information : XXXX. Wrong Addresses : - Incorrect Address # XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Incorrect Address # XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Correct Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. Incorrect Names : - Incorrect Name # XXXX : XXXX XXXX - Incorrect Name # XXXX : XXXX XXXX - Correct Name : XXXX XXXX XXXX. Wrong Employers : - Incorrect Employer : XXXX - Correct Employer : XXXX XXXX  Actions Requested : 1. Remove Incorrect Addresses : Please remove the incorrect addresses listed above from my credit report.

2. Correct Name : Please ensure that only my correct name, XXXX XXXX, is reflected on my credit report. 
3. Remove Incorrect Employers : Please remove the incorrect employers listed above from my credit report.

Supporting Documentation : To assist in verifying my correct personal information, I have enclosed copies of the following documents : - A copy of my government-issued ID.- A copy of my Social Security Number.- A copy of document showing my correct address I Impact : These inaccuracies have the potential to affect my creditworthiness and cause confusion in my credit profile. It is essential that my credit report contains accurate and up-to-date information. 
Desired Resolution : I am requesting that TransUnion promptly investigate and correct these inaccuracies. Please con rm in writing once the corrections have been made and provide me with an updated copy of my credit report. 
Thank you for your immediate attention to this matter. I look forward to your prompt resolution of these inaccuracies.

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 2025-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I am XXXX XXXX XXXX who secured a contract in XXXX XXXX, AZ. On XX/XX/XXXX, I booked a condo through XXXX with a rental period extending to XX/XX/XXXX. 

However, my work contract was unexpectedly canceled on XX/XX/XXXX, at XXXX XXXX I promptly canceled the remainder of my XXXX reservation at XXXXXXXX XXXX  the same day, both by notifying the host and sending a secure message through XXXX XXXX. 

Per the hosts cancellation policy, I should have been eligible for a refund as there were more than 30 days remaining in the reservation term. Despite this, I received no refund. Instead, XXXX charged my business debit card {$2000.00} for the remaining balance of XXXX and XXXX a card I only used for a one-time payment and did not authorize to be stored or reused. 

I disputed the charge with Chase Bank. They temporarily credited the funds but later reversed the credit without requesting or reviewing any of the supporting documentation I provided, nor did they share any findings from their investigation. As a result, my business account was overdrawn and incurred multiple XXXX XXXX 

I am requesting a formal review of this matter, a reversal of the unauthorized charge, reimbursement of overdraft fees, and enforcement of XXXX cancellation policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: NC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
First off I hate having to be forced to put in a topic which doesn't fit this situation! It is ridiculous! What happened to none of the above fits my problem?! 
I had a Paypal credit card issues by Synchrony Bank and it was close! Then I made an agreement with them to pay {$60.00} each month until the debt was paid off. I have been paying as agreed upon, but they say that the account is past due treating it as if the account is still open. I made a payment on XXXX XX/XX/year> and they are trying to double bill me for what they are calling past due {$140.00} when the account was open as a credit card! I already made a {$100.00} payment on the XXXX of XX/XX/year> and explained I could afford more. As I am on a fixed income. Yet they told me that {$140.00} is due today, but this was not part of the agreement. I am to pay $ XXXX  monthly. They said they will report that my account is delinquent further damaging my credit report and this will make it extremely hard and impossible for me to get a job by them lying! I did what I agreed upon and they will say I am delinquent. The account is closed! 
It would only be true if the credit card was still open, but it's closed. I don't feel it is fair double billing me in the same month for the {$140.00}, when I already made a {$100.00} payment and only agreed to pay {$60.00}. I am paying as agreed and they will report I am not! This is not right! How am I supposed to find a job with worse credit they will create and find a habitual place to live for my family if they are lying and double billing me as I am paying as agreed upon!

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
SYNCHRONY HIGH YIELD SAVINGS ACCOUNT XXXX WAS HACKED AND {$4100.00} WAS STOLEN VIA NUMEROUS TRANSACTIONS AND ATM WITHDRAWALS. SYNCHRONY CLAIMS AN ATM CARD WAS MAILED BUT I NEVER RECEIVED IT AND IT WAS USED TO COMMIT FRAUDULENT TRANSACTIONS.IN XXXX AND XXXX WA

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am respectfully demanding the removal of XXXX XXXX XXXX Benefits advised was not accurate and was deceiving. If you look at the picture below of my attempts to cancel right away.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am respectfully demanding the removal of XXXX XXXX XXXX Benefits advised was not accurate and was deceiving. If you look at the picture below of my attempts to cancel right away.

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 2025-04-16 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:
I recently reviewed and have disputed this account previously and the erroneous information still remains on my credit report. I have attached the account statement from XXXX that shows that " NO '' late payments were made in XX/XX/XXXX and XX/XX/XXXX. 

Per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are legally obligated to conduct a thorough and prompt investigation of disputes. Your failure to correct inaccurate information is a direct violation of : 15 U.S.C. 1681e ( b ) : Duty to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) : Obligation to investigate and correct disputed items within 30 days.

15 U.S.C. 1681s-2 ( b ) : Mandate for furnishers of disputed data to verify accuracy or delete the information. 

XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) : Requirement to go beyond automated responses and conduct meaningful investigations. 

15 U.S.C. 1681n and 1681o : Penalties for willful or negligent non-compliance. I demand that you immediately investigate and correct the disputed items and provide a detailed explanation of your investigation process. Any continued inaction will not be tolerated. 

This serves as formal notice. Non-compliance will result in escalation to the CFPB, FTC, and potential legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: GA

Complaint narrative:
Subject : Dispute of Medical Collection Request for Itemized Statement Dear Credit Bureau/Collection Agency Representative ], I am writing to formally dispute the medical collection account appearing on my credit report under the account number [ Account Number ]. I have no recollection of incurring this debt, and I firmly believe this account does not belong to me. 

In accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request a detailed, itemized statement of all services rendered, including : 1. Dates of service 2. Times of service 3. Name and location of the medical provider 4. Names of physicians or medical professionals involved 5. Diagnosis and treatment codes 6. Billing statements showing how the balance was calculated 7. Proof of my signed authorization for these medical services 8. Proof that the debt is valid and was lawfully assigned to your agency If you are unable to provide this information within 30 days, I request that this account be immediately removed from my credit report. Additionally, if you are reporting this account to any credit bureaus, you must mark it as disputed while under investigation. 

Please provide a written response confirming receipt of this dispute and your findings. You may send the requested documentation to my address listed above. 

Nothing has been given to me to prove the service was mine or why the amout owed is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-16 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:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: TX

Complaint narrative:
I am respectfully demanding the removal of XXXX XXXX. Benefits advised was not accurate and was deceiving. If you look at the picture below of my attempts to cancel right away.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am respectfully demanding the removal of XXXX XXXX. Benefits advised was not accurate and was deceiving. If you look at the picture below of my attempts to cancel right away.

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 2025-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: CA

Complaint narrative:
I am filing this complaint because my federal student loans, originally held and managed by the U.S. Department of Education, were reportedly accessed, managed, or shared with third partiesincluding private entities such as XXXX XXXX ventures and/or small business loan platformswithout my knowledge or consent. 

I was not informed that my data would be used, accessed, or transferred in this way. I have concerns about the legality and ethics of these actions, especially since this may have violated my rights under federal privacy laws and the original terms of my loan agreement. 

I would like a full investigation into how my student loan data was handled, whether consent was obtained, and if any of these actions negatively impacted my credit, financial standing, or personal privacy. 


I would like this issue investigated and a full explanation provided. If any misuse or unauthorized access to my student loan data occurred, I want it corrected immediately and any related credit report damage reversed or deleted. As well has having my loans forgiven.

Company response to consumer: Closed with explanation