vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 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: PA

Complaint narrative:
I am writing to formally notify you that after my investigation, the inquiry information contained in my credit report, as outlined below is inaccurate. I filed a formal complaint with the Federal Trade Commission ( FTC ) regarding these inaccuracies. Please remove the erroneous information as required by the Fair Credit Reporting Act ( FCRA ) .____ Under Section 1681i of the FCRA , credit reporting agencies are required to investigate disputes. As I have already informed you of the inaccuracies and provided the necessary supporting evidence, the law mandates that you complete this reinvestigation, block the information while it is disputed and either correct or permanently remove the disputed items.______ The failure to act is in direct violation of the FCRA, specifically Section 1681i ( a ) ( 1 ) ( A ), which requires you to conduct a reasonable reinvestigation of disputed information. Furthermore, Section 1681e ( b ) mandates that you maintain " reasonable procedures to ensure maximum possible accuracy '' in the information you report, which includes promptly removing known inaccuracies._______ Inquiries in Dispute : _____ 1. Reported Inquiry : XXXX XXXX Reported Date : XX/XX/year> Dispute : Inquiry not mine Dispute : Identity Theft Demanded Action : Block and Remove immediately_________ 2. Reported Inquiry : Truist / XXXX Reported Date : XX/XX/year> Dispute : Inquiry not mine Dispute : Identity Theft Demanded Action : Block and Remove immediately__________ 3. Reported Inquiry : XXXX XXXX XXXX Reported Date : XX/XX/year> Dispute : Inquiry not mine Dispute : Identity Theft Demanded Action : Block and Remove immediately____________ 4. Reported Inquiry : XXXX  XXXX Reported Date : XX/XX/year> Dispute : Inquiry not mine Dispute : Identity Theft Demanded Action : Block and Remove immediately__________ Failure to remove these inaccurate items will leave me no choice but to pursue further legal action. Under Sections 1681n and 1681o of the FCRA, you may be subject to civil penalties, including statutory damages, actual damages, and attorney 's fees. Additionally, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney General 's office, all of which have the authority to enforce the FCRA and impose penalties for non-compliance.

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 2025-04-17 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 notify you that after my investigation, the inquiry information contained in my credit report, as outlined below is inaccurate. I filed a formal complaint with the Federal Trade Commission ( FTC ) regarding these inaccuracies. Please remove the erroneous information as required by the Fair Credit Reporting Act ( FCRA ) .____ Under Section 1681i of the FCRA , credit reporting agencies are required to investigate disputes. As I have already informed you of the inaccuracies and provided the necessary supporting evidence, the law mandates that you complete this reinvestigation, block the information while it is disputed and either correct or permanently remove the disputed items.______ The failure to act is in direct violation of the FCRA, specifically Section 1681i ( a ) ( 1 ) ( A ), which requires you to conduct a reasonable reinvestigation of disputed information. Furthermore, Section 1681e ( b ) mandates that you maintain " reasonable procedures to ensure maximum possible accuracy '' in the information you report, which includes promptly removing known inaccuracies._______ Inquiries in Dispute : _____ 1. Reported Inquiry : XXXX XXXX Reported Date : XX/XX/year> Dispute : Inquiry not mine Dispute : Identity Theft Demanded Action : Block and Remove immediately_________ 2. Reported Inquiry : Truist / XXXX Reported Date : XX/XX/year> Dispute : Inquiry not mine Dispute : Identity Theft Demanded Action : Block and Remove immediately__________ 3. Reported Inquiry : XXXX XXXX XXXX Reported Date : XX/XX/year> Dispute : Inquiry not mine Dispute : Identity Theft Demanded Action : Block and Remove immediately____________ 4. Reported Inquiry : XXXX  XXXX Reported Date : XX/XX/year> Dispute : Inquiry not mine Dispute : Identity Theft Demanded Action : Block and Remove immediately__________ Failure to remove these inaccurate items will leave me no choice but to pursue further legal action. Under Sections 1681n and 1681o of the FCRA, you may be subject to civil penalties, including statutory damages, actual damages, and attorney 's fees. Additionally, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney General 's office, all of which have the authority to enforce the FCRA and impose penalties for non-compliance.

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 2025-04-17 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: KY

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 non-monetary relief
Consumer complaint received 2025-04-17 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX To : TransUnion/Equifax/Experian Subject : Urgent Request for Personal Information Update and Removal of Inaccurate Data To Whom It May Concern, I am writing to formally dispute and request the immediate removal of all inaccurate, outdated, or unverified personal information currently listed on my consumer credit report. The Fair Credit Reporting Act ( FCRA ) mandates that the information reported on my credit file must be accurate, complete, and verifiable. My current and correct personal identifying information is as follows : Full Legal Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Email Address : XXXX Phone Number : ( XXXX ) XXXX I hereby request and demand that you remove all of the following from my consumer credit profile : Any and all names that are not exactly listed as XXXX XXXX XXXX. 
Any and all dates of birth that do not reflect XX/XX/XXXX. 
All former addresses other than the one listed above. 
All email addresses that are not XXXX. 
All phone numbers that are not ( XXXX ) XXXX. 
These inaccuracies can and likely have impacted my credit profile and reporting unfairly. I am asserting my rights under the FCRA and requesting that these items be deleted immediately to ensure the accuracy and integrity of my credit report. 

Please investigate this matter and provide me with written confirmation that these changes have been made. If you are unable to verify the accuracy of any of the disputed information, it must be removed in accordance with federal law. 

Thank you for your prompt attention to this matter. Please confirm in writing once all corrections and deletions have been completed. 

Sincerely, 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 2025-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2025, I was the victim of a scam in which a person impersonating law enforcement coerced me into sending a {$1800.00} XXXX payment. I was threatened with arrest if I did not send money for a supposed " test fee. '' Under extreme pressure and fear, I sent the XXXX payment. 
On XX/XX/2025, I reported the fraud to XXXX and filed a claim. However, on XX/XX/2025, I received a letter stating that the transaction was considered authorized and no refund would be issued. On XX/XX/2025, I called XXXX directly and submitted a fraud report over the phone. 
This scam involved criminal impersonation and coercion, which falls under social engineering and is a recognized form of fraud. Although the transaction was technically authorized, it was not legitimate, as it was made under false pretenses and intimidation. 
I am requesting that XXXX reconsider the case under the Electronic Funds Transfer Act ( Regulation E ), as the transaction was not truly authorized by me in the spirit of a legitimate transfer. I should not be held liable for funds stolen under threat of false arrest and impersonation of law enforcement. 
Bank Claim # : XXXX Transaction : XXXX payment to Nyp on XX/XX/2025 Amount : {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: CA

Complaint narrative:
Previous Complaint # XXXX : Complaint with US Bank is still ongoing. Case was closed without full disclosure and consideration from all parties involved and must be re-opened to prevent further harm.

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 2025-04-17 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:
To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, XXXX XXXX Subject : Complaint Regarding TransUnion 's Non-Compliance with FCRA Dispute Resolution Timeframes Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against TransUnion for failing to comply with the dispute resolution timeframes mandated by the Fair Credit Reporting Act ( FCRA ). 
Background : Dispute Submission Date : XX/XX/year> Current Date : XX/XX/year> Disputed Items : XXXX XXXX XXXX XXXX XXXX XXXX Account {$8000.00} U.S. Bankruptcy Account Reference Number : XXXX On XX/XX/year>, I submitted a dispute to TransUnion concerning the above-mentioned items, which I believe are inaccurately reported on my credit file. As of today, XX/XX/year>, more than 30 days have elapsed without a resolution. I have been in contact with an agent from TransUnion 's Fraud Department, who confirmed receipt of my dispute on XX/XX/year>, and stated that the investigation is still ongoing. 
FCRA Compliance Issues : Under the FCRA, specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to investigate disputes and resolve them within 30 days of receipt. An extension of up to 15 days is permissible only if the consumer provides additional information during the initial 30-day period. In this case, no additional information was submitted after the initial dispute, and therefore, the investigation should have been concluded by XX/XX/year>. 
Furthermore, the continued reporting of the U.S. Bankruptcy Account and the XXXX XXXX XXXX XXXX XXXX XXXX Account, which are not associated with me, constitutes a violation of the FCRA 's requirement for accurate reporting. 
Requested Resolution : I respectfully request the following actions : Immediate removal of the inaccurately reported U.S. Bankruptcy Account ( Reference Number : XXXX ) and the XXXX XXXX XXXX XXXX XXXX XXXX Account ( {$8000.00} ) from my TransUnion credit report. 
A thorough investigation into TransUnion 's failure to comply with the FCRA-mandated dispute resolution timeframe.

Confirmation that TransUnion has implemented measures to prevent such delays and inaccuracies in the future.

I have attached copies of all relevant correspondence and documentation pertaining to this dispute for your review.

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, 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 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Alleged amount {$5200.00} XXXX : XXXX. Date : XX/XX/year> c/o XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX Midland Credit Management XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Re XXXX Account # XXXX Notice to Principal ; Notice to Agent - Notice to Agent ; Notice to Principal I have a few questions of you for assistance in this so-called debt you are to answer them under penalty of perjury in affidavit form via certified mail.

1. You are violation my rights to be left alone and also I never gave Midland Credit Management prior consent / express permission to communicate with and use a consumer in connection with the collection of a " debt ''. Also MCM may not use my social security number or any information that is private/sensitive to me and non-public.

2 .. Sending mail through using the postal system without validation, is that mail fraud is this true?

3. I must demand Validity of this debt who are you? Is there a physical contract/Purchase agreement or other financial instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine.

4. Did you provide any funds to me pertaining to this alleged debt and how much did you invest if any?

5. Did you provide an amount of credit to me concerning this " account ''?

.

In a good faith effort to resolve this matter amicably, I restate my demand the specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine.

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask you to cease and desist with communicating with me.

Thank you for your prompt attention to this matter. you have 10 days to perform from date sent. 

Sincerely, XXXX XXXX XXXX. 
Natural Person, In Propria Persona, XXXX XXXX All Rights Reserved Without Prejudice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Date : XX/XX/year> PNC Bank Dispute Resolution Department Subject : Dispute Reconsideration Request Unauthorized Charges Totaling {$530.00} Dear PNC Dispute Resolution Team, I am writing to formally request reconsideration of your recent decision to deny my dispute for XXXX unauthorized charges totaling {$530.00} that were posted to my account in XX/XX/year>. 

I discovered these charges on XX/XX/year>, and immediately contacted PNC to report them. At the time of the transactions, I was traveling internationally and did not have access to my mobile device, making it impossible to monitor my account in real-time. Upon realizing the suspicious activity, I acted promptly by reporting the transactions, and PNC issued me a new debit card and temporarily credited the disputed amount. 

I recently received a letter stating the dispute was denied because the transactions were in line with my normal spending. I strongly contest this conclusion. I did not authorize these charges, and being out of the country at the time further supports that these transactions were fraudulent. 

Additionally, I am requesting a copy of the investigation used to determine the legitimacy of these charges under my rights provided by the Electronic Fund Transfer Act ( EFTA ). 

I kindly ask that you re-open this dispute and fully investigate it using the evidence Ive provided. This reversal not only affects my financial stability but undermines the security protections I rely on from my bank. 

Please confirm receipt of this letter and inform me of the next steps in the review process. I would appreciate this matter being handled with urgency, as I am facing an automatic withdrawal of {$530.00} on XX/XX/year>, which will cause significant financial hardship. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX To : TransUnion/Equifax/Experian Subject : Urgent Request for Personal Information Update and Removal of Inaccurate Data To Whom It May Concern, I am writing to formally dispute and request the immediate removal of all inaccurate, outdated, or unverified personal information currently listed on my consumer credit report. The Fair Credit Reporting Act ( FCRA ) mandates that the information reported on my credit file must be accurate, complete, and verifiable. My current and correct personal identifying information is as follows : Full Legal Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Email Address : XXXX Phone Number : ( XXXX ) XXXX I hereby request and demand that you remove all of the following from my consumer credit profile : Any and all names that are not exactly listed as XXXX XXXX XXXX. 
Any and all dates of birth that do not reflect XX/XX/XXXX. 
All former addresses other than the one listed above. 
All email addresses that are not XXXX. 
All phone numbers that are not ( XXXX ) XXXX. 
These inaccuracies can and likely have impacted my credit profile and reporting unfairly. I am asserting my rights under the FCRA and requesting that these items be deleted immediately to ensure the accuracy and integrity of my credit report. 

Please investigate this matter and provide me with written confirmation that these changes have been made. If you are unable to verify the accuracy of any of the disputed information, it must be removed in accordance with federal law. 

Thank you for your prompt attention to this matter. Please confirm in writing once all corrections and deletions have been completed. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX To : TransUnion/Equifax/Experian Subject : Urgent Request for Personal Information Update and Removal of Inaccurate Data To Whom It May Concern, I am writing to formally dispute and request the immediate removal of all inaccurate, outdated, or unverified personal information currently listed on my consumer credit report. The Fair Credit Reporting Act ( FCRA ) mandates that the information reported on my credit file must be accurate, complete, and verifiable. My current and correct personal identifying information is as follows : Full Legal Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Email Address : XXXX Phone Number : ( XXXX ) XXXX I hereby request and demand that you remove all of the following from my consumer credit profile : Any and all names that are not exactly listed as XXXX XXXX XXXX. 
Any and all dates of birth that do not reflect XX/XX/XXXX. 
All former addresses other than the one listed above. 
All email addresses that are not XXXX. 
All phone numbers that are not ( XXXX ) XXXX. 
These inaccuracies can and likely have impacted my credit profile and reporting unfairly. I am asserting my rights under the FCRA and requesting that these items be deleted immediately to ensure the accuracy and integrity of my credit report. 

Please investigate this matter and provide me with written confirmation that these changes have been made. If you are unable to verify the accuracy of any of the disputed information, it must be removed in accordance with federal law. 

Thank you for your prompt attention to this matter. Please confirm in writing once all corrections and deletions have been completed. 

Sincerely, 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 2025-04-17 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: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
Ive recently checked my credit report and noticed in accurate inquiries

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 2025-04-17 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: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
Ive recently checked my credit report and noticed in accurate inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: NY

Complaint narrative:
I have done paying for my car and never been late. Equifax and XXXX  never upddate my account.

Company response to consumer: Closed with explanation