vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 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: NC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX TransUnion Fraud Victim Assistance Department XXXX. XXXX XXXX XXXX, PA XXXX RE : XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY DISMISSED/CLOSED Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX XXXX Enclosures Identity Theft Report Proof of identity

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I have a debt on credit from XXXX everytime they sell the debt to a new company they change my opened date to make it looks like the account was just opened when its years old that is fruad and they shouldnt be allowed to do that

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
On XX/XX/year>, I opened an account at M & T bank. I had my tax refund check which I used to open the checking account. The teller got the information needed to open my account, and told me the check would clear that following Tuesday. I picked out my debit card and that was it, I left.

When Tuesday came, the app showed that the check had cleared. I tried to make a small purchase and get cash back, but any transaction I tried, the card declined.

A couple days before the money cleared the bank, I had received a text message and an email requesting that I call because there was fraudulent activity on the account. I called the branch that opened my account and the branch manager said she would look into it, and call me back. She never called me so I called again. She starts telling me that the IRS wants their money back and how I can request my money back from the IRS. This made no sense to me. Why would the IRS request their money back only for me to rerequest the money. The money had already cleared the bank, but they put a block on my account so I had no way to use my money.

I had gone, in person to the bank to get the block removed. The teller and the branch manager basically kept saying the same thing they already told me. The IRS wants their money back, there's a block on the account, how they no longer want to do business with me, and that I can rerequest the money from the IRS. 

Yesterday, I looked at the app and it showed a withdrawl for the full amount ( details not yet available ). It also showed the deposit posted on the account. 

Today, it shows {$0.00} on the account. I had explained that the check I brought in was my tax refund, explained how them keeping a hold on my account after the check cleared was causing financial problems for me as I had things to do with the money and I wasn't being given access to my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I AM A VICTIM OF IDENTITY FRUAD I HAVE FILED POLICE REPORTS ABOUT FRAUD ON MY CREDIT REPORT I HAVE TRIED DISPUTING THESE COLLECTIONS AND CHARGE OFFS ON MY REPORT AND ALL 3 CREDIT AGENCIES REFUSE TO REMOVE AFTER SUBMITTING PROOF OF FRAUD Collections and charge offs reporting to all 3 credit agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I AM A VICTIM OF IDENTITY FRUAD I HAVE FILED POLICE REPORTS ABOUT FRAUD ON MY CREDIT REPORT I HAVE TRIED DISPUTING THESE COLLECTIONS AND CHARGE OFFS ON MY REPORT AND ALL 3 CREDIT AGENCIES REFUSE TO REMOVE AFTER SUBMITTING PROOF OF FRAUD Collections and charge offs reporting to all 3 credit agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-24 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: CA

Complaint narrative:
I am disputing the inaccurate reporting of late payments for my auto loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account has been delinquent for an extended period, exceeding the typical 120-180 days after which the Federal Deposit Insurance Corporation ( FDIC ) expects auto loans to be charged off as a prudent banking practice for loss recognition. 
Despite this extended delinquency, XXXX XXXX XXXX continues to report ongoing late payments. This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ) : * 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Duty to provide accurate information : Reporting ongoing late payments on a loan that should be charged off misrepresents its true status.

* 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) Duty to correct and update information : The lender has failed to update the account status to reflect its severely delinquent nature and the expectation of charge-off per FDIC guidelines.

I request an immediate investigation and correction of this inaccurate information. Please remove the incorrectly reported late payments. Enclosed is a copy of my credit report highlighting this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 

Delete the accounts below : - 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 2025-05-24 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion and Equifax credit reporting agency , remove 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 personal credit card account opened at XXXX XXXX XXXX XXXXXXXX BALANCED {$320.00} XXXX XXXX BALANCED {$15000.00} XXXX XXXX  BALANCED {$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These items 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 XXXX 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 non-monetary relief
Consumer complaint received 2025-05-24 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: CA

Complaint narrative:
I am a small business owner who completed a moving service for a customer on XX/XX/year>, totaling {$750.00}. We collected all required documentation : a signed service agreement, time-stamped photos of the job, a signed Bill of Lading, and delivery confirmation. The customer didn't pay the balance of the bill as he closed his credit card account and later initiated a {$100.00} deposit chargeback claiming the transaction was fraudulent. 

We submitted all evidence through our payment processor ( XXXX XXXX XXXX ), who confirmed they forwarded the documents to XXXX. Despite this, the chargeback was lost, and we were informed that the issuing bank rejected our case solely because the cardholders name did not match the name on the service documents even though it is common for family members or businesses to pay for services on behalf of others. 

XXXX and the issuing bank failed to analyze the actual proof of service. This caused a direct financial loss to our business, and undermines trust in the chargeback resolution system. XXXX XXXX even confirmed they found this decision unfair but had no further recourse. 

The issuing bank was JPMorgan Chase, which approved the chargeback despite receiving full documentation including signed contracts and post-service acknowledgment by the cardholder. 

I am requesting the CFPB to investigate this case and review XXXX 's and the issuing banks handling of this chargeback, as it appears negligent and damaging to merchants who provide legitimate services. Thank you very much for your support and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: NY

Complaint narrative:
I am currently in the process of enlisting in the XXXX XXXX  military. As part of my background and financial review, I discovered that your company has reported one of my accounts as a charge-off/profit and loss write-off. However, I have not received a 1099-C form, which is required by the IRS if a debt of {$600.00} or more has been canceled or forgiven.

Furthermore, despite this charge-off status, the account continues to be updated monthly on my credit report as if it were active and still owed. This practice is misleading and may constitute inaccurate and inconsistent reporting in violation of the Fair Credit Reporting Act ( FCRA ).

Under the FCRA : 15 U.S.C. 1681s-2 prohibits the furnishing of inaccurate information to credit reporting agencies.

15 U.S.C. 1681e ( b ) requires furnishers to ensure maximum possible accuracy in reporting.

I am formally requesting that you : Provide written documentation verifying the current status of the account.

Send the appropriate 1099-C form, if applicable.

Cease all inaccurate or misleading monthly updates.

Provide a written response confirming any corrections made.

This information must be provided within 15 days of the date of this letter in order to comply with FCRA guidelines. Please consider this a formal dispute of the information currently being furnished.

Failure to comply may result in further action. Under the FCRA, I may be entitled to statutory damages if a creditor furnishes inaccurate information about a debtsuch as reporting a charge-off while still claiming the debt is owed and updating it monthly.

Thank you for your prompt attention to this matter. I expect your written response within 15 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 2025-05-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$60.00} I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question XXXX XXXX XXXX XXXX XXXX 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 2025-05-24 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau, but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
b'I am writing to follow up on my previous correspondence regarding my request for the removal of fraudulent items from my credit report. I previously requested that Experian, Equifax, and TransUnion remove these items from my credit file. I am now reiterating my request to ensure that all fraudulent items I have identified are removed by each of the three credit bureaus. Please find the list of items below that I would like to be removedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-24 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: MD

Complaint narrative:
b'I am writing to follow up on my previous correspondence regarding my request for the removal of fraudulent items from my credit report. I previously requested that Experian, Equifax, and TransUnion remove these items from my credit file. I am now reiterating my request to ensure that all fraudulent items I have identified are removed by each of the three credit bureaus. Please find the list of items below that I would like to be removedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have been raising the issue with Penfed Credit Union begininng late XX/XX/XXXXXXXX There has been activity with small deposits from an unknown person depositing small deposits into my checking account. Penfed has deliberately caused my attention to focus on the XXXX transactions when my main request was to find out what happened to my internal transfers on XX/XX/XXXX XXXX. XX/XX/XXXX XXXX up until XX/XX/XXXXXXXX XXXX Penfed is not interested in helping their XXXX and XXXX XXXXXXXX customers investigate obvious fraudelent activity. I transferred from my savings TO MY Checking. on my statements, it looks like i transferred from my checking to my exact same checking with the money disappearing! The theft was able to happen by cloning my card i believe once i accepted a XXXX  payment of {$210.00}. After accepting a payment from XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX. The same day maybe a few minutes later, there begin small XXXX deposits. All along persistently im calling Penfed to find out why certain monies were unexplainable to disappear. I did not just now raise the issue about my purchases were being declined. I transferred money from my savings to my checking by phone. I NEVER transferred by debit. i Have repeatedly requested investigation with the last phone call on XX/XX/XXXX - during the call i was told that i dont make sense and the Penfed representative appeared to race as in which one of us could talk over the other the longest, it was obvious that this Bank is not a supporter of the XXXX community. I am disputing the transfers that disappeared using my account information producing a cloned card and illegally accessed my funds and debited my account. During my last call, i inquired about closing my account now that the account numbers have somehow been exposed. However, i ended up just hanging up. This is same game i been playing with penfed since this happened. i lost {$1400.00} and i want my money back. Its not fair, Penfed has been not been active in the behaviour of my account. Claiming to stop an unauthorized transaction when in fact they allowed the unauthorized transaction to debit my account, causing my bankruptcy payment to be declined. Penfed also declined my bankruptcy payment but you will not be able to see anything on my statement, i need to know how is this credit union able to tamper with the activity on my private information and tamper with my statements. I would like the transfers of {$500.00}, {$250.00}, {$150.00}, {$100.00}, {$65.00} {$120.00}, {$75.00}. Returned back to me and close my current account and get a new account with my funds returned to me.

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