vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 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: NJ

Complaint narrative:
Subject : Request for Blocking and Deletion of Fraudulent Accounts Pursuant to 15 USC 1681c-2 ( a ).

I am contacting you as a victim of the Data Breach. Since my information was compromised, I am invoking my rights under 15 USC 1681c-2 ( a ) to request that any fraudulent accounts associated with my identity be permanently blocked and deleted from my credit file. 

Please take the necessary actions to ensure that any unauthorized or fraudulent accounts, as detailed in the accompanying documentation, are blocked and removed from my records. 

Please confirm in writing that my request has been processed and that all fraudulent accounts have been blocked and deleted. If you need further information, you may reach me at the contact information provided above.

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 2025-05-12 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:
XX/XX/XXXX To Whom It May Concern : This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed. 

I demand the following accounts be properly verified or removed immediately. 



Unauthorized Credit Accounts to be Removed IMMEDIATELY : XXXXXXXX XXXX Account number XXXX Unauthorized Inquiries to be Removed IMMEDIATELY : XXXX XXXX - XX/XX/XXXX Your company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. 

Sincerely, XXXX XXXX EMAIL : XXXX XXXX XXXX : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: TN

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 XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I made an outdoor furniture purchase of {$920.00} on my Macys card. They came to deliver it on XX/XX/year>. I refused the merchandise as several items were damaged and/or no longer wanted. I didn't even sign for anything at time of delivery attempt. I asked for documentation showing I refused the product and driver said they have no way of giving me that. It would be refunded automatically once it went back to the warehouse. 

A month later it still did not show credited back. I called customer service in which they said they needed to investigate and would call me back. They never did in which I then was left with no choice but to open a dispute case id XXXX XXXXXXXX. I received a letter from Macys dated XX/XX/XXXX stating that the charges were valid with a copy of the sales check. I never said I didnt make the purchase, but the fact of the dispute was that it was refused on delivery. I never took possession of it for the reasons outlined below. I called again on XX/XX/XXXX in order to try and resolve but was unsuccessful. I am owed a refund on my account in the amount of {$920.00} as I never took delivery of the outdoor patio furniture. This has been extremely frustrating, and I have spent hours on the phone trying to get this resolved. I was told numerous times " rest assured our back office will be handling this ''.

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 monetary relief
Consumer complaint received 2025-05-12 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 was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XXXX XXXX, XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX - XX/XX/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 2025-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
On XX/XX/year> I was charged {$540.00} for a spa service at XXXX XXXX. On XX/XX/year> I was issued a refund from XXXX XXXX  in XXXX for XXXX due to issues with the service. It was to be issued back to my Chase ( southwest ) credit card. On XX/XX/year> I could see on my Chase account that this refund was pending. It stayed in " pending '' status until Saturday XX/XX/year>. It then completely disappeared. The refund was no longer showing up on my credit card transactions. I reached out to XXXX XXXX ( Director of XXXX XXXX ) on XX/XX/year>. She states the refund was issued on her end and she emailed me a receipt for the refund. I reached out to chase credit card company and spoke with a customer service representative. He stated he could not see the refund at all on his end. I explained that the refund showed up for several days in the " pending '' status and then disappeared. He instructed me to reach out to XXXX XXXX. I have a text alert from Chase saying that the credit is pending. 
The refund receipt guest name is my fianc 's name, but I paid for the original service therefore the refund was to be credited back to the original method of payment which was my Chase credit card. The receipt shows it to be refunded back to my credit card as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: PA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to a recent data breach that has resulted in identity theft. As a victim, I have suffered significant financial and emotional harm from fraudulent reporting. 

Accounts in Question : XXXX  XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I demand that all accounts fraudulently opened or reported in my name be blocked immediately within four business days. 15 U.S.C. 1681i : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit
report. Please investigate and delete any such information linked to this breach.

15 U.S.C. 1681e ( b ) : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I demand a thorough review of my credit report to identify and rectify all inaccuracies.

15 U.S.C. 1681g ( a ) : I request access to my complete consumer report to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

15 U.S.C. 1681m : As required, please ensure that any negative information resulting from the breach is not reported inappropriately.

15 U.S.C. 1681n : I reserve the right to seek damages for any violations of the FCRA resulting from this breach if you fail to comply with my demands.

Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts within four business days. Additionally, I demand an update on any measures you are implementing to protect my personal information moving forward. Your failure to act swiftly will compel me to pursue legal remedies for this intolerable violation. 

Thank you for your prompt attention to this matter. I look forward to your immediate response by XX/XX/year>!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: PA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to a recent data breach that has resulted in identity theft. As a victim, I have suffered significant financial and emotional harm from fraudulent reporting. 

Accounts in Question : XXXX  XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I demand that all accounts fraudulently opened or reported in my name be blocked immediately within four business days. 15 U.S.C. 1681i : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit
report. Please investigate and delete any such information linked to this breach.

15 U.S.C. 1681e ( b ) : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I demand a thorough review of my credit report to identify and rectify all inaccuracies.

15 U.S.C. 1681g ( a ) : I request access to my complete consumer report to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

15 U.S.C. 1681m : As required, please ensure that any negative information resulting from the breach is not reported inappropriately.

15 U.S.C. 1681n : I reserve the right to seek damages for any violations of the FCRA resulting from this breach if you fail to comply with my demands.

Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts within four business days. Additionally, I demand an update on any measures you are implementing to protect my personal information moving forward. Your failure to act swiftly will compel me to pursue legal remedies for this intolerable violation. 

Thank you for your prompt attention to this matter. I look forward to your immediate response by XX/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 2025-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I purchased a gift card from XXXX XXXX XXXX XXXX for {$25.00}. However, once I received my statement it showed {$120.00} which was not my purchase amount. I tried to locate my receipt to verify what was on it but apparently lost it. I called the restaurant in order to try and resolve. They said they would investigate and get back to me. I called again as they never followed up and asked them to send me a copy of the receipt. They never did so I disputed the charge with Captial One. 

I opened a dispute ( case number : XXXX ) for the above-mentioned reasons, that I had only purchased a {$25.00} GC but was charged {$120.00}. I explained I had reached out to the restaurant to resolve and that I no longer had my receipt. I asked Capital One to get a copy of the signed charge receipt as it would show that I only authorized {$25.00}. 

I then receive a letter from Capital One dated XX/XX/year> stating that they requested information from me. I called Capital One the same day I received the letter and asked what information they needed from me because I was never asked for anything when I opened the dispute. They stated they wanted a copy of my sales receipt. I again explained that I couldn't give them something that I no longer had. That they needed to request it from the merchant to prove that the sales transaction amount was valid. I know that I never signed for {$120.00}.

They said they would re open the dispute but two days later I received another letter dated XX/XX/XXXX stating that because I didn't send them the information requested, they were unable to assist with the claim. They never requested the sales charge receipt from the restaurant to validate the charges of {$120.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
When reviewing my credit report, I found several accounts listed in my name that are inaccurate. According to the provisions of the Fair Credit Reporting Act XXXX ( a ) [ XXXX XXXX XXXX ( a ) ], these disputed items must be investigated or deleted from my credit record within XXXX  days. The items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I have contacted the Federal Trade Commission and filed a police report. I am demanding that you remove all inaccurate accounts from my credit profile in the next XXXX ( XXXX ) days or I will have no other recourse but to file an injunction against your agency under XXXX which makes you financially liable for each inaccurate account. Also, under XXXX Section A is liability for willful non-compliance, your agency has yet to respond to my questions and statements of the 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 non-monetary relief
Consumer complaint received 2025-05-12 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: NJ

Complaint narrative:
Subject : Request for Blocking and Deletion of Fraudulent Accounts Pursuant to 15 USC 1681c-2 ( a ).

I am contacting you as a victim of the Data Breach. Since my information was compromised, I am invoking my rights under 15 USC 1681c-2 ( a ) to request that any fraudulent accounts associated with my identity be permanently blocked and deleted from my credit file. 

Please take the necessary actions to ensure that any unauthorized or fraudulent accounts, as detailed in the accompanying documentation, are blocked and removed from my records. 

Please confirm in writing that my request has been processed and that all fraudulent accounts have been blocked and deleted. If you need further information, you may reach me at the contact information provided above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: NJ

Complaint narrative:
Subject : Request for Blocking and Deletion of Fraudulent Accounts Pursuant to 15 USC 1681c-2 ( a ).

I am contacting you as a victim of the Data Breach. Since my information was compromised, I am invoking my rights under 15 USC 1681c-2 ( a ) to request that any fraudulent accounts associated with my identity be permanently blocked and deleted from my credit file. 

Please take the necessary actions to ensure that any unauthorized or fraudulent accounts, as detailed in the accompanying documentation, are blocked and removed from my records. 

Please confirm in writing that my request has been processed and that all fraudulent accounts have been blocked and deleted. If you need further information, you may reach me at the contact information provided above.

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 2025-05-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
MEDICAL DATA SYSTEMS INC opened XXXX XXXX, XXXX collection amount {$1800.00} Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent me proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account MEDICAL DATA SYSTEMS INC as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: MS

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 XXXX 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 2025-05-12 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 kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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