vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I recently review my credit report and found the following items that need 100 % verification, accurateness, and timely as per the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and61.

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 2025-08-12 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: NV

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-08-12 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: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
XX/XX/XXXX chace closed my account and said they would return my social security direct deposit on the XXXX they received it on the XX/XX/XXXX then put it into my account but I couldn't get in my account they said it was restricted and woukd be closed 10 days yesterday they said they would send me a cashiers check on XX/XX/XXXX I said no I need my social security check now they said they qoukd over night a check when they closed my account I called to verify that todays as the 10 is up they said no ten days from the XXXX I said you received the direct deposit on the XXXX they said yes then they said I coukd go to a chace branch and pick up a check today then they said no we will send you a cashiers check on the XXXX I need my social security and I can not wait till the XXXX they should of returned my direct deposit on the XXXX so social security could redeposit it into my new bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am experiencing an issue with one of my credit card merchants as a result of my original complaint, XXXX. I received the attached letter regarding the closing if my account due to returned payments on my account caused by my original issue with XXXX XXXX  a few months ago. 
I would appreciate CFPB pursuing reinstating my Dillard  's credit caed account. 

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 2025-08-12 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: OH

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. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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. Code 1692e ) 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 2025-08-12 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 
1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 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 explanation
Consumer complaint received 2025-08-12 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: UT

Complaint narrative:
I have previously disputed Experian, XXXX  and XXXX  regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-12 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:
There is major discrepancy on my credit report Each credit bureau have Different information Ranging from Payment history Balance owed Update balance Total creditor Credit Scores * Your credit scores vary across the XXXX bureaus : * TransUnion : XXXX * Experian : XXXX * Equifax : XXXX * Your overall XXXX XXXX is XXXX, which is given a grade of D. 
XXXX XXXX and Accounts * Total Debts : You have a total of {$94000.00} in debt. 
* XXXX XXXX XXXX : Your total minimum monthly payment is {$1800.00}. 
* XXXX Accounts : You have XXXX total accounts, with XXXX open and XXXX closed. 
* Balances : Your balances include : * Revolving : {$6600.00} * Installment : {$78000.00} * Specific Accounts : * An open secured loan with XXXX XXXX has a balance of {$32000.00}. The original high balance was {$100000.00}. 
* A closed XXXX account has a non-zero balance reported, with amounts varying by bureau : TransUnion ( {$280.00} ), Experian ( {$240.00} ), and Equifax ( {$350.00} ). 
* A closed XXXX XXXX account has a {$0.00} balance. 
Negative Items Needing Attention * Negative Items : Your report shows XXXX negative items in total. 
* Collections : You have XXXX collection account. 
* Inquiries : There are XXXX inquiries listed on the summary page and XXXX on the XXXX report. 
XXXX XXXX XXXX : * One account, XXXX, is marked as derogatory by all three bureaus and has a past due balance of {$240.00}. This account is closed. 
* Another account, XXXX, is marked as " Late 120 Days '' by Equifax, with a balance of {$410.00}. This is a " negative account '' and appears to be a factor in your 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 2025-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I formally request the removal of this inaccurate account from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I accidentally sent a payment of {$7700.00} on XX/XX/XXXX to my Chase credit card that was intended for my XXXX XXXX, resulting in a large credit balance on the Chase account. I called Chase customer service and they indicated they would send an email with a link for me to provide my banking information to receive a refund. I did not receive the email within several hours and called back to find out why. The second customer service rep told me that I would receive the email between XXXX and XXXX hours. In the meantime, Chase is making money on my credit balance of over {$7000.00}. Even when I receive the email and provide my bank account information, it will be XXXX days before I receive the refund. 

These banks are making a fortune by delaying the processing for credit refunds. XXXX XXXX hours for the email is most aggregious, because I work in IT and know for a fact that my companies ' systems can transmit an email almost instantaneously. The computers can initiate the refund through the banking system with no need for human intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts frain my report, they are hurting my ability to obtain credit.

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts frain my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: NY

Complaint narrative:
These accounts are being reported in my name without my authorization or knowledge. I have never applied for, opened, or managed them. Their presence on my credit report is unacceptable, as it represents inaccurate and misleading information about my financial history. 

I take the accuracy of my credit profile extremely seriously. The appearance of these unauthorized accounts is of significant concern, and I require immediate clarification on why they are being reported and who is responsible for furnishing this information.

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 2025-08-12 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: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 Date Opened : XX/XX/XXXX, Balance : {$17000.00} WSTLAKESVC - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$13000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-12 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: NY

Complaint narrative:
Please be advised this complaint is not submitted in error. My credit report contains inaccuracies that fall short of the standard of maximum possible accuracy and are causing me ongoing financial and personal hardship.

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 2025-08-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prince Parker & Associates
State: SC

Complaint narrative:
In XX/XX/year> I signed up for XXXX XXXX XXXX XXXXXXXX XXXX XXXX bundled with a mobile account as a regular consumer account, which included a promotional discount. When the account was opened at the XXXX XXXX XXXX store, the store XXXX incorrectly set it up as a business account without my consent. This misclassification caused my discount not to apply and resulted in overcharges. 

In addition, XXXX XXXX XXXX added device protection fees to my account that I did not authorize. I never requested or agreed to purchase any protection plan for my devices. 

I contacted XXXX XXXX XXXX multiple times to fix the account type and billing errors. I have a recorded phone call with an XXXX XXXX XXXX collection representative in which I explained the problem in detail. XXXX XXXX XXXX refused to correct the misclassification, so I switched carriers after a couple of months to avoid continued overbilling. 

Now, XXXX XXXX XXXX has placed a disputed {$330.00} balance with a collection agency, Prince Parker & Associates, who is attempting to collect this debt. This amount is entirely the result of XXXX & XXXX account misclassification and related overcharges. I have sent a formal email dispute to the collector under the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-08-12 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 explanation
Consumer complaint received 2025-08-12 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} INQUIRY : 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 explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
TD Bank USA/Nordstrom continues to furnish inaccurate and unverified information regarding a charged-off account ending in XXXX, violating the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( b ) and Metro 2 standards. 

On XX/XX/XXXX, XXXX XXXX XXXX, the assigned debt collector, received my debt validation request. On XX/XX/XXXX, XXXX confirmed in writing they could not validate the debt and returned the account to TD Bank/Nordstrom . 

On XX/XX/XXXX, XXXX XXXX XXXX XXXX writing that the original application is no longer available due to being beyond retention limits. No contract, chain of title, or full account history from inception has been produced. 

Despite these admissions, TD Bank continues to report this account to Experian, Equifax, and TransUnion. The reporting is factually and procedurally defective : Post-charge-off updates in XXXX despite DOFD of XX/XX/XXXX High balances reported more than a year after closure Continued derogatory coding after charge-off This is re-aging and materially misleading under FCRA 1681e ( b ), as well as continued furnishing of unverified debt in violation of 1681s-2 ( b ) ( 1 ) ( E ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: MA

Complaint narrative:
I am disputing inaccurate credit reporting under the FCRA. Please see the attached CFPB Dispute Package XXXX XXXX which details : Removal of incorrect personal information ( names/addresses ). 

Deletion of negative accounts that are inaccurate or unverifiable. 

Deletion of late payment notations on closed/open accounts if not fully verified. 

Removal of all unauthorized hard inquiries within the past 24 months except XXXX ( XX/XX/year> ). 
Please conduct a reasonable reinvestigation and provide documentary evidence ; otherwise delete as required by FCRA 607 ( b ) & 611.

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