vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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: TX

Complaint narrative:
I am a victim of identity theft as a result of the XXXX Equifax data breach, which compromised my personal information including my SSN, date of birth, and more. Since then, multiple fraudulent accounts and inquiries have appeared on my credit report, which I did not authorize or initiate. 

Despite providing proof of identity, a police report, and a detailed identity theft affidavit, the credit reporting agency has failed to block and delete the fraudulent items as required under 15 U.S. Code 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ).

I also requested that my dispute be manually reviewed and not processed via e-OSCAR, which is an automated system known to violate proper reinvestigation standards. My requests have been ignored or inadequately addressed, violating 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) and FACTA 312. 

The following inaccurate or fraudulent information was not authorized by me and should be removed : Incorrect names : XXXX XXXX / XXXXXXXX XXXX XXXXXXXX XXXX Inaccurate employer listings : XXXX XXXX  and XXXX Incorrect address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Fraudulent account : XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX Unauthorized inquiries : XXXX ( XX/XX/XXXX ) and XXXX  ( XX/XX/XXXX ) This failure to act is a violation of the following federal laws : 15 U.S. Code 1681c-2 ( a ), 1681e ( b ), 1681i ( a ) ( 1 ) ( A ), 1681s-2 ( a ) ( 6 ) 15 U.S. Code 6801, 6802, 1692 ( FDCPA ) I am demanding an immediate investigation, removal of all listed inaccuracies, and confirmation in writing. Failure to comply will result in further legal action. 

What would you like the company to do to fix the problem? 

Immediately delete all fraudulent accounts, inquiries, and incorrect personal data Send me a corrected credit report Ensure manual review of disputes ( not e-OSCAR ) Provide written confirmation of actions taken

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 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Ive had a XXXX balance in the account XXXX with Chase for months. They kept charging fees and overdrawing the account. 
On XX/XX/XXXX, I called to rectify the situation, Chase reversed the fees. I deposited {$500.00} the same day, to keep the account open. They closed the account the next day and refuse to return the {$490.00} that was in the account when they closed it. They said I would be receiving a check via the mail and I have not. I called today to follow up and they are saying they sent the fees back to XXXX ( my original depositing account ). No transaction has been received to XXXX. XXXX is saying the funds were withdrawn and deposited into the XXXX account and not rejected. Chase is refusing to answer my questions, they have sent me to XXXX different departments. They refuse to tell me what is going on. They say its been refunded but it has not, then they say I have to file a claim, I tried they will not speak to me. I got transferred all over the place. Not one single person can tell me where my money is. I was stranded in Texas with no access to funds when this happened. Its been over XXXX business days and they have no idea what happened to the money. XXXX does not have it. Chase does not have it. Chase is responsible for returning the money to me. They are refusing to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: MI

Complaint narrative:
I made a purchase at XXXX for XXXX on XX/XX/XXXX using my XXXX XXXX credit card. XXXX cancelled my order and sent my refund back to my credit card with a time frame of XXXX business days for it to post. I waited XXXX weeks XX/XX/XXXX my refund never posted back to my credit card so i called XXXX they told me they sent a full refund. When i called my card they told me they received the refund but wont be applying it back to my card for XXXX billing cycles XX/XX/XXXX. It has been more than XXXX billing cycles and when i called the credit card company today XXXX they tell me theres no refund but an ongoing investigation for a dispute that was done XXXX months ago. Every time i call they are giving me the run around but reporting negative remarks to my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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:
I am writing to formally request the blocking and removal of fraudulent accounts, information and inquiries from my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2. I recently discovered that I have been a victim of identity theft, and unauthorized accounts and/or inquiries have been reported in my name. 

Details of Fraudulent Information : Accounts : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX # : XXXX & XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX & XXXX XXXX Account # XXXX Inquiries : XXXX XX/XX/year> XXXX XX/XX/year> 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 XXXXXX/XX/year>

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 2025-05-02 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: TX

Complaint narrative:
I am writing to formally request the blocking and removal of fraudulent accounts, information and inquiries from my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2. I recently discovered that I have been a victim of identity theft, and unauthorized accounts and/or inquiries have been reported in my name. 

Details of Fraudulent Information : Accounts : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX # : XXXX & XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX & XXXX XXXX Account # XXXX Inquiries : XXXX XX/XX/year> XXXX XX/XX/year> 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 XXXXXX/XX/year>

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 2025-05-02 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 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 2025-05-02 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: IN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXXi ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. CXXXXe XXXXe ) for deceptive and misleading reporting.

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 2025-05-02 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: CT

Complaint narrative:
According to my XXXX report there are numerous amount of inaccurate information about XXXX accounts. A " XXXX XXXX XXXX' credit card and a " XXXX XXXX '' credit card. Starting with XXXX ( XXXX XXXX ) On my XXXX credit report there's XXXX different dates that says it was open. On Transunion it says opened on XX/XX/XXXX but on Experian it says opened on XX/XX/XXXX. Then on Transunion it says there is a {$0.00} balance, {$0.00} high credit, {$0.00} past due, while on Experian they report a {$17000.00} balance, {$17000.00} high credit, and {$16000.00} past due. Not only that but the XXXX XXXX was opened fraudulently without my knowledge. These inaccurate dates on my reports question the entire validity of the account. Now with the XXXX ( XXXX BANK ) credit card On my XXXX credit report there is inaccurate information as well. On Transunion they report the account was opened on XX/XX/XXXX while Experian and Equifax report it was opened on XX/XX/XXXX. This XXXXXXXX XXXX credit card account was also reported " VERIFIED '' by the bureaus when i never opened the account myself. These inaccurate reporting 's are a violation to my CONSUMER LAW RIGHTS. I HAVE THE RIGHT TO HAVE INNACURATE, INCOMPLETE, OR OUTDATED INFORMATION REMOVED FROM MY CREDIT REPORTS. This information DOES NOT meet requirements 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 2025-05-02 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: CT

Complaint narrative:
According to my XXXX report there are numerous amount of inaccurate information about XXXX accounts. A " XXXX XXXX XXXX' credit card and a " XXXX XXXX '' credit card. Starting with XXXX ( XXXX XXXX ) On my XXXX credit report there's XXXX different dates that says it was open. On Transunion it says opened on XX/XX/XXXX but on Experian it says opened on XX/XX/XXXX. Then on Transunion it says there is a {$0.00} balance, {$0.00} high credit, {$0.00} past due, while on Experian they report a {$17000.00} balance, {$17000.00} high credit, and {$16000.00} past due. Not only that but the XXXX XXXX was opened fraudulently without my knowledge. These inaccurate dates on my reports question the entire validity of the account. Now with the XXXX ( XXXX BANK ) credit card On my XXXX credit report there is inaccurate information as well. On Transunion they report the account was opened on XX/XX/XXXX while Experian and Equifax report it was opened on XX/XX/XXXX. This XXXXXXXX XXXX credit card account was also reported " VERIFIED '' by the bureaus when i never opened the account myself. These inaccurate reporting 's are a violation to my CONSUMER LAW RIGHTS. I HAVE THE RIGHT TO HAVE INNACURATE, INCOMPLETE, OR OUTDATED INFORMATION REMOVED FROM MY CREDIT REPORTS. This information DOES NOT meet requirements of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am filing this complaint against Pro Collect, a debt collector, for failing to validate a debt of {$6800.00} they are attempting to collect, which is inaccurately reported on my credit report. The account, listed as opened on XX/XX/year>, and last reported on XX/XX/year>, has been disputed directly with Pro Collect on [ XX/XX/year> ]. Despite my request for validation under the Fair Debt Collection Practices Act ( FDCPA ), Pro Collect has not provided any proof of this debt, such as a signed contract, payment history, or evidence of their authority to collect. Additionally, the credit report lists Pro Collect as both the original creditor and the collector, which suggests an error. Their failure to validate the debt or cease collection activities has harmed my credit score, and I seek removal of this entry from my credit report [ XXXX XXXX and XXXX ] and an investigation into Pro Collects practices.

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 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I applied for a secured credit card and was approved and {$300.00} was taken from my bank account and applied for my security deposit. I got an email asking for IRS form 4506-C to be filled out and was told 3-5 business days. I called and then was told 2 weeks. I called at 2 weeks and they dont have any timeline. I requested to close the card and have my security deposit returned which they are now telling me it will take 2 months to get back. This is shady and seems they are taking peoples money no problem but will not return it or approve a card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
I continue to have escrow shortages for many, many years. Now I am behind and have been charged an extra {$2000.00} spread over time. My mortgage payment keeps rising. I have reduced my home insurance many times helps a little. I am a homesteader also. Please help me get my escrow in control before I can't make my payments. Should I close XXXX and pay my escrow myself. Can I do that? Need assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: GA

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 - Incorrect Personal, has violated my rights. 

I looked at my [ credit bureau ] credit report on [ date ] and noticed some things are incomplete and not accurate. 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 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) 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 explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Since I have yet to be taken seriouslyI am formally disputing a late payment reported on my credit file for the month of XX/XX/year>, associated with my XXXX XXXX account. Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i and 1681s-2 ), I have the right to dispute information I believe to be inaccurate or unverifiable. 

This late payment is being inaccurately reported and is damaging my credit profile. I am requesting that Experian conduct a full reinvestigation and require XXXX XXXX to provide documentation that substantiates the accuracy of this report including billing statements, payment records, and any relevant communication. If the furnisher can not verify the report with proper evidence, I request that the late payment be removed from my file. 

Please complete this reinvestigation and provide the results within the 30-day timeframe required by law. 

Thank you, 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 2025-05-02 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 2025-05-02 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: VA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: IL

Complaint narrative:
I am writing to formally dispute discrepancies found in my credit profile maintained by TransUnion and Experian. The inconsistencies pertain specifically to the XXXX account XXXX which is inaccurately reported across these XXXX credit bureaus. 

Upon review, it is evident that the account in question is marked as Paid as Agreed, yet it simultaneously indicates late payment entries. This conflicting information not only misrepresents my financial reliability but also violates the Fair Credit Reporting Act ( FCRA ), which mandates that all consumer reporting agencies ensure the accuracy and integrity of the information they disseminate. 

Additionally, it is important to note that neither of the other major credit bureaus report this account as being late or even list the account at all. This further underscores the inconsistency and raises questions about the reporting standards upheld by TransUnion and Experian. 

Consumer law stipulates that inaccuracies that can affect a consumer 's creditworthiness must be removed within XXXX business days. In this instance, the conflicting reports from TransUnion and Experian regarding my account present a serious concern, particularly in light of the potential damage to his credit score, borrowing opportunities, and overall financial well-being. 

Attached to this statement are the proof documents which further substantiate my claim of these inaccuracies. I respectfully request that the CFPB investigate this matter and urge the reporting bureaus to correct and delete the inconsistent information from their records without delay. 

Thank you for your attention to this critical 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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-05-02 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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