vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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: AL

Complaint narrative:
I am formally disputing the accuracy of the following student loan account reported under the XXXX servicer. Please find the identifying details below : Account Number ( Last 4 ) : XXXX Date Opened : XX/XX/year> Reported Balance : {$2100.00} Identified Compliance Issues : Incorrect status as 'Indeterminate '. 
Payment activity is reported inconsistently. 
30-day late payments appear during deferment periods. 

These reporting errors violate Metro 2 data standards and the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and 611. I request a full reinvestigation of this tradeline. If the information can not be verified and corrected in full, I request its deletion. 
Please provide a response and an updated copy of my credit report within 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: CA

Complaint narrative:
My report shows certain inquiries that do not appear to meet the requirement of permissible purpose as outlined in 15 USC 1681b. I believe these inquiries were unintended, and I 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 2025-04-14 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:
XXXX XXXX, XXXX XX/XX/1992, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. XXXX ) that you, XXXX  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 : XXXX - XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX - Incorrect Personal XXXX XXXX, XXXX - Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX  - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( FTC NUMBER ) as proof from the US Federal Trade Commission that all 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 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Transferred {$1500.00} from fifth third banking account to Chase account in XXXXXXXX XXXX XXXX. We realized the funds were not properly transferred when we received a notice of our account being closed. XXXX XXXX has maintained that this is chases issue. Weve filed 5+ cases with XXXX and have asked Chase to look into this repeatedly. We need Chase to return the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Dispute of Unverifiable Late Payment Request for Immediate Deletion To Whom It May Concern, I am filing a complaint regarding the inaccurate reporting of a 30-day late payment from XX/XX/year> on my Experian credit report for an auto loan account with XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ). Despite submitting multiple disputes to Experian, this entry remains on my credit report, which violates my rights under the Fair Credit Reporting Act ( FCRA ) and Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ). 

Dispute Details : Creditor Name : XXXX XXXX XXXX XXXX XXXX Account Number ( partial ) : XXXX Reported Late Payment : XX/XX/year> Status : Paid, Closed Address Used for Dispute : XXXX XXXX XXXX, XXXX XXXX, CA XXXX I mailed a dispute letter to the creditor using the provided address, but it was returned by the U.S. Postal Service as undeliverable. I have attached evidence of the returned mail, along with my government-issued ID, proof of address, and a copy of my Experian report highlighting the disputed error. 

Request for Action : Under 15 U.S. Code 1681i of the FCRA, Experian is required to delete unverifiable information from my credit report. Additionally, 15 U.S. Code 1681s-2 ( b ) mandates that data furnishers verify the accuracy of any disputed information. Since the creditor is unreachable and unable to verify the late payment, I am requesting the immediate deletion of this entry. 

As a resident of Florida, I am also protected by the Florida Deceptive and Unfair Trade Practices Act ( Fla. Stat. 501.201 et seq. ), which prohibits the continued reporting of misleading or unverifiable information.

Requested Resolution : I am requesting that the 30-day late payment from September 2020 be permanently removed from my Experian credit report.

Attachments : Returned mail envelope from USPS Government-issued ID Proof of address ( e.g., utility bill or bank statement ) Copy of Experian report showing the disputed entry I expect this matter to be resolved within 15 days as required by law. Should you fail to remove this unverified late payment, I will consider taking further legal action to enforce my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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:
XXXX XXXX XXXX INACURATE CREDIT REPORTING XXXX XXXX XXXX- INACURATE CREDIT REPORTING XXXX XXXX INACURATE CREDIT REPORTING XXXXXXXX XXXX INACURATE CREDIT REPORTING XXXX- INACURATE CREDIT REPORTING ALL OF THESE ACCOUNTS HAVE ALREADY BEEN REPORTED AND SUBMITTED ON MY BEHALF AS INACURATE CREDIT REPORTING THIS WILL BE MY SECOND ATTEMPT TO SETTLE THE MATTER THANK YOU IN ADVANCE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: CA

Complaint narrative:
XXXX XXXX XXXX INACURATE CREDIT REPORTING XXXX XXXX XXXX- INACURATE CREDIT REPORTING XXXX XXXX INACURATE CREDIT REPORTING XXXXXXXX XXXX INACURATE CREDIT REPORTING XXXX- INACURATE CREDIT REPORTING ALL OF THESE ACCOUNTS HAVE ALREADY BEEN REPORTED AND SUBMITTED ON MY BEHALF AS INACURATE CREDIT REPORTING THIS WILL BE MY SECOND ATTEMPT TO SETTLE THE MATTER THANK YOU IN ADVANCE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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:
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 2025-04-14 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian has been reporting late payments on these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts I spoke with the representative from XXXX XXXX XXXX XXXX XXXX XXXX  ; they have removed the late payment on my accounts. XXXX has sent over a letter of me being late 1 time. Experian will not correct the inaccuracy and will not remove the collection off my credit report. I explained that XXXX and XXXX removed the collection XXXX XXXX. I disputed the accounts on XXXX XXXX with this letter enclosed To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the charge-off/collection account referenced in my credit file. This dispute is submitted in accordance with the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S. Code 1692 et seq. ) and the Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681 et seq. ).

1. Debt Validation Request ( 15 U.S. Code 1692g ) Pursuant to 15 U.S. Code 1692g, I am requesting full validation of this debt, including : A complete itemization of the alleged debt. 

A copy of the original agreement bearing my signature. 

Documentation proving your legal authority to collect this debt.

Proof that this debt is within the statute of limitations for collection.

2. Accuracy of Credit Reporting ( 15 U.S. Code 1681e ( b ) ) Under 15 U.S. Code 1681e ( b ), the credit reporting agencies and furnishers must ensure maximum possible accuracy in reporting. If you can not provide verified and accurate documentation from the original creditor, you must request its removal from my credit report.

3. Prohibition of Unauthorized Communication ( 15 U.S. Code 1692c ) I hereby request that all communication regarding this matter be conducted in writing. Any further phone calls may be considered harassment under 15 U.S. Code 1692c.

4. Right to Rescind ( 15 U.S. Code 1635 ) [ If applicable ] If this debt pertains to a credit agreement covered under the Truth in Lending Act, I reserve my right to rescind under 15 U.S. Code 1635, if applicable.

5. Request for Removal Under Section 611 ( a ) of the FCRA If you can not validate this debt with proper documentation from the original creditor, I respectfully request its removal from my credit report in accordance with 15 U.S. Code 1681i ( FCRA Section 611 ( a ) ). Failure to verify the accuracy of this account requires immediate deletion.

If this matter is not resolved promptly, I will consider filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

Please respond to this dispute in writing within 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Self Financial Inc.
State: PA

Complaint narrative:
I contacted SELF company about activities on my cards, they moved me to the fraud department and I filed a dispute with them. The fraud department confirm that it was fraud on my card that was used in Virginia. I was in the hospital in XXXX and then moved to a living facility for my safety for a week in XXXX, DE. SELF, then turn around and stated that I was the XXXX using the cards I which I could not be in two different states at the same time. I recorded the conversation twice where in which they said they would email me in 48hrs taking care of the situation which they did not and they was also supposed to contact all three credit bureau and they did not. My credit score went from a XXXX down to the mid XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: CA

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: UT

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 explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: RENASANT CORPORATION
State: MS

Complaint narrative:
I was sent a text ( XXXX ) by the bank asking if i had made a charge. The name sounded like a Restaurant I had just eaten at and I clicked " yes '' ... then the next day I wake up to a negative balance on my account. I went to the renasant bank in XXXX mississippi XX/XX/year> and filed a claim for fraudulant charging. While I was sitting there and before she could even cut my card off they were charging ( scamming ) me again! I filed the dispute. I had to wait XXXX working days they said, so I did. then I had to call and they said they had denied the dispute costing me over {$1200.00}, They stated because I hit " yes '' then I approved the charges. I am sending documents that I have including a police report. I feel I was not treated fairly since this was an innocent mistake and all I received was a text asking if I approved the charges. I believe there should be better security with a client 's account than just a text! 
The bank also charged me overdraft fees in the amount of {$180.00} ( date XXXX ) thru out all this before the dispute was denied. 
I know they are lacking in security because during the numerous calls I made to the bank XXXX lady just asked my name and account number. SHe never sent me a code or anything like that. The documents I am including is the police report, the charges that were fraudulant and the Overdraft fees. 
If you can help in anyway to get my money back please do ... or at least get the banks attention in using better security measures than just a simple plain text asking you to hit " yes or no '' like kids do when they are asking you if you want to go steady! 

thanks, 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 2025-04-14 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: MS

Complaint narrative:
I am a XXXX of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$4000.00} XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX - XXXX - XX/XX/XXXX - {$980.00} XXXX - XXXX - XX/XX/XXXX - {$1400.00} XXXX  - XXXX - XX/XX/XXXX - {$1100.00} XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} BANKRUPTCY - XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: CA

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX  XXXX, XXXX XXXX  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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
on XX/XX/year> scammers got into my account there was a charge by XXXX of XXXX XXXX i called the number on the screen they said they would put it back but they put in XXXX I said I pay it back on the screen from pay pal but they move from my saving I took the money out and was told to deposit it in atm they got XXXX the company is chase bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no XXXX party involved. The stuff on my credit report is wrong and Under XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief