vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$3400.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the inclusion of certain accounts on my credit report that were not opened or authorized by me. These fraudulent accounts are compromising my creditworthiness and are a source of immense stress. I demand an immediate and thorough investigation into these entries.

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 2025-06-24 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: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received an email from XXXX  on XX/XX/year> that a soft inquiry was done and the company that did it was Opportun, XXXX. I got another emails from XXXX XXXX and XXXX  that a hard inquiry was done from the same company. I called Opportun, XXXX to ask why this was done and they said based off of the information I provided ( name and DOB ) they could not locate any accounts or applications in the database, therefore could not explain why the credit inquiry was done. They would not provide any additional information. I called XXXX  and they said there was nothing they could do. I did not apply for any credit cards or loans. I did not authorize my personal information be used.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: CA

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

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$640.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: GA

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

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, GA XXXX ACCOUNTS : XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-24 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: IL

Complaint narrative:
I am writing to formally address a serious issue regarding my credit report that has had a detrimental impact on my mental health. The inaccurate information reflected on my credit reports has caused significant distress and has negatively affected my overall well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: CO

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion is reporting multiple charge-off accounts from XXXX XXXX XXXX XXXX that are inaccurate, unverifiable, and potentially duplicative. These accounts are negatively impacting my credit profile and financial opportunities, and I have made previous attempts to resolve this issue directly and through prior disputeswith no valid documentation ever provided to justify the continued reporting. 

The accounts in question are : XXXX XXXX XXXX XXXX - Account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Reported : XX/XX/XXXXXXXX  - Balance : {$49000.00} XXXX XXXX XXXX XXXX - Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Reported : XX/XX/XXXXXXXX  - Balance : {$12000.00} XXXX XXXX XXXX XXXX - Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Reported : XX/XX/XXXXXXXX  - Balance : {$2000.00} Despite requesting documentation and verification in accordance with the Fair Credit Reporting Act ( FCRA 611 and 609 ), TransUnion has failed to provide any legitimate evidence that these charge-off accounts are being reported accurately, or that the debts belong to me. The repeated presence of these items, especially with varying account numbers and balances, raises the concern that there may be misreporting, duplication, or improper debt association.

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 2025-06-24 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: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I contacted XXXX, XXXX, XXXX  and CFPB advising that 2 companies have attempted to collect a debt from me that I do not owe. The debtor is LVNV c/o Resurgent Capital. LVNV went as far to file against me in XXXX XXXX. I have no business either company. I asked for documents with my wet signature from them stating that I have entered to a business contract with them or a signed agreement from any other company with my express written consent to share my personal and financial information with either LVNV c/o Resurgent Capital. I was not provided anything of the such. I was mailed a theft affidavit. I have no business with this company and do not feel comfortable providing them any information other than requesting documents they have to validate that I owe them any funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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:
On XX/XX/year>, I served XXXX XXXX XXXX with a cease-and-desist under the FDCPA, which prohibits all collection communications, including reporting to credit reporting agencies. Yet this account still appears on my consumer report. I demand its immediate deletion. Failure to do so after proof of the cease-and-desist will constitute violations of : 15 U.S.C. 1681e ( b ) requiring maximum possible accuracy through reasonable procedures ; 15 U.S.C. 1681i ( a ) obligating a reinvestigation within 30 days or removal of any unverified information 15 U.S.C. 1681e ( b ) Duty to Assure Maximum Possible Accuracy This section of the Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies to : " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' If I inform the credit reporting agencies that collection activity should have ceased due to a valid cease and desist letter sent under the Fair Debt Collection Practices Act ( FDCPA ), and they fail to investigate or remove the information accordingly, you may be violating this section by reporting unverified, misleading, or inaccurate data. 

and 15 U.S.C. 1681i ( a ) Duty to Reinvestigate Disputed Information Once you've disputed the accuracy or legality of the account 's reporting, the credit reporting agency is required to conduct a reasonable reinvestigation within 30 days, or delete the information if it can not be verified. 

Failure to investigate whether the account is still lawfully collectable especially after a cease and desist could be seen as negligent or willful noncompliance. 

I have attached a copy of the Cease and Desist Letter as proof.

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 2025-06-24 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: IL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-06-24 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: NV

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-24 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I got a Chase United card with {$590.00} annual fee in XXXX last year. They had a promotional offer to get XXXX miles if I spent {$5000.00} in first 3 months. I did spend {$4500.00} and could have easily gotten to the {$5000.00} threshold but unfortunately, I was and still am going through a personal crisis due to which I forgot that I had already completed 3 months. I called Chase and requested for an extension. Even a day would have helped but they refused and I respect their strict adherence to policy. However, I decided to cancel the card and they agreed. After that I kept waiting for a proportionate fee refund but never got any. I called them several times and was told it could take up to 2 billing cycles to get the fee refund. Finally in my last call I was told that I will not get a refund because I cancelled the card 70 days after getting fees charged. While I though their policy didn't make sense tro charge me for a year while I only used the product for 4 months. However, in order to make it work I told them to at least reinstate the card so I could use it since I already paid for a year but they refused to that too. This is completely unfair because : 1. Shouldn't they be disclosing at the time of cancellation that I will loose the fee so I can make a more informed decision?

2. How can they charge for a year and not be willing to give a proportionate refund if they agreed to cancel? 
This seems like a UDAP violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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:
To : Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXX. XXXX XXXX  XXXX, PA XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Under FCRA RE : XXXX XXXX  Account # XXXX Inaccurate Charge-Off Reporting Dear [ Credit Bureau Name ], I am writing to formally dispute inaccurate information being reported on my credit report concerning a XXXX XXXX XXXX XXXX account with account number ending in XXXX. This account is being reported as a charge-off, yet it appears XXXX XXXX XXXX XXXX is still claiming the debt is owed despite the account being written off. Additionally, a Form 1099-C ( Cancellation of Debt ) has not been issued, which is inconsistent with the manner in which this account is being reported. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, furnishers of information to consumer reporting agencies have a duty to report accurate and complete information. Furthermore, 15 U.S.C. 1681e ( b ) requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Reporting a charge-off while continuing to assert that the full debt is owed, without issuing a 1099-C, raises concerns of potential fraud and willful misreporting, which can result in statutory damages under the FCRA. 

I am demanding an immediate investigation and deletion of this inaccurate tradeline from my credit report. If the account was indeed charged off and written off, then XXXX XXXX XXXX XXXX is no longer legally collecting the full balance and must report it accuratelyor not at all. 

Please complete your investigation within the 15day window allowed by law and provide me with written confirmation of your findings. If the inaccurate reporting is not corrected or deleted, I will have no choice but to pursue legal remedies under the FCRA, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and initiating a lawsuit. 

Enclosed are copies of my identification and a copy of my credit report showing the disputed information. 

Sincerely,

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