vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax 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 Accounts : XXXX  Account # XXXX * * * * * * * * * * date opened XX/XX/XXXX XXXX. {$2300.00}, XXXX XXXX XXXX XXXX  Account XXXX XXXX * * * * * * date opened XX/XX/XXXX XXXX. {$2200.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX * * * * * * date opened XX/XX/XXXX XXXX. {$0.00}. Inquiries : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX 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 # ( 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 2025-04-26 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:
Kindly remove and block the unauthorized accounts from my credit report promptly. I did not authorize or recognize these accounts. As per USC 1681g, I am requesting they be deleted within 15 days. Ive attached documentation for your review. Additionally, the account details reported to each bureau are inconsistent and inaccurate.

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Southwest Credit Systems, L.P.

Complaint narrative:
XXXX XXXX XXXX XXXX and hit my credit report on XX/XX/XXXX for a XXXX past due amount of {$280.00}. I switched from XXXX when I retired and moved to an area where the coverage was weak. The account was paid up at the store when I closed it at the store. I called XXXX but they could not provide me with any written details of the charges. I disputed the {$280.00} and have been seeing activity about the dispute but nothing that says it was settled or what the status was. Then, XX/XX/XXXX, XXXX XXXX XXXX flagged my report and charged me the same {$280.00}. This lowered my XXXX XXXX from XXXX in XXXX of XXXX to under XXXX by XXXX of XXXX. At that time I was trying to get approved for a {$13000.00} auto loan with 20 % down. I was denied the loan by XXXX lenders. Since then my credit limits for my credit cards have been lowered, in XXXX case just this XXXX XXXX  XXXX XXXX lowered my credit from {$17000.00} to {$600.00}. This is absolutely unacceptable. I have worked hard to maintain my good credit. How can XXXX bogus claim from a debt collector twice affect my credit and cause this much damage? I am beyond frustrated!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Since my debt ( without my knowledge ) sold it from XXXX XXXX to MCM. I have initially have a cease and desist letter with this company. XXXX XXXX decided to hold onto my overdue debt XXXX  years to be sold to MCM in XXXX, as the debt has not been reported since it was in default in XXXX and in XXXX it was supposed to dissolved as the XXXX years has past to drop off of my credit report. I did inform XXXX regarding this issue, but they had brushed it off and stated that the time-frame of the debt is correct. Therefore, I proceeded to write up a cease and desist letter regarding the debt with the initial debt collector, which is XXXX XXXX. I was assuming that this letter is still effective for the company for which the debt was sold to : MCM Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They had obtained my phone number through some other way because my phone number is not in the account. I want them to stop calling me and only send communication through mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: CA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I have attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding

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 2025-04-26 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I have attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: VA

Complaint narrative:
I am submitting this dispute regarding the reporting of my XXXX XXXX account to the credit bureaus ( Equifax, TransUnion, and Experian ). As of the XX/XX/year> update, the account is reporting inconsistencies : Equifax and XXXX list the account as Pays account as agreed and Paid or paying as agreed. 
Experian incorrectly reflects that the account is Current account/was delinquent XXXX days past due date. 
The balance is {$250.00} with a credit limit of {$300.00} across all three bureaus. 

I dispute the Experian reporting of the XXXX delinquency, as the current status should reflect that the account is being paid as agreed, consistent with Equifax and XXXX 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) and 15 U.S.C. 1681s-2 ( Responsibilities of furnishers of information to consumer reporting agencies ), I request : 1. A full investigation into the inaccurate reporting.

2. Removal or correction of any inaccurate information.

3. Provision of documentation validating the XXXX delinquency, if any exists.

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 2025-04-26 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: VA

Complaint narrative:
I am submitting this dispute regarding the reporting of my XXXX XXXX account to the credit bureaus ( Equifax, TransUnion, and Experian ). As of the XX/XX/year> update, the account is reporting inconsistencies : Equifax and XXXX list the account as Pays account as agreed and Paid or paying as agreed. 
Experian incorrectly reflects that the account is Current account/was delinquent XXXX days past due date. 
The balance is {$250.00} with a credit limit of {$300.00} across all three bureaus. 

I dispute the Experian reporting of the XXXX delinquency, as the current status should reflect that the account is being paid as agreed, consistent with Equifax and XXXX 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) and 15 U.S.C. 1681s-2 ( Responsibilities of furnishers of information to consumer reporting agencies ), I request : 1. A full investigation into the inaccurate reporting.

2. Removal or correction of any inaccurate information.

3. Provision of documentation validating the XXXX delinquency, if any exists.

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 2025-04-26 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: PA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my XXXX XXXX XXXX health.|

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 2025-04-26 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: SC

Complaint narrative:
Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX I requested a full investigation from TransUnion 3 times and got the same result. I provided proof that this was removed from my credit report via other agencies. I requested TransUnion to remove this account from my credit report.

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute directly to Experian requesting a reinvestigation into multiple inaccurate and unverifiable accounts appearing on my credit report. I requested verification, correction, and full disclosure of investigation results under the Fair Credit Reporting Act ( FCRA XXXX ) XXXX Instead of conducting a lawful investigation, Experian sent a deceptive XXXX falsely claiming my dispute was " unauthorized. '' This was a blatant attempt to delay, obstruct, and discourage my dispute process in direct violation of FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 6 ) ( A ) XXXX Experian 's stalling tactics intentionally deprived me of my federally protected right to a timely and reasonable investigation. They failed to provide any valid verification, refused to correct the information, and obstructed my ability to resolve the inaccuracies.\n>\n> I am requesting that the CFPB immediately investigate Experians unlawful XXXX, compel the deletion of all unverifiable and inaccurate information from my credit file, and impose appropriate penalties for each violation under the FCRA. I reserve all rights under the Fair Credit Reporting Act and other applicable laws. I am fully prepared to escalate this matter with legal action, including filing suit in federal court for statutory damages, actual damages, punitive damages, and attorney 's fees if Experian does not immediately correct these violations.

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 2025-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XX/XX/XXXX, I contacted Chase Travel regarding Trip ID XXXX XXXX XXXX XXXX  XXXX to use the return leg of a prior booking ( XXXX XXXX to XXXX, originally scheduled for XX/XX/XXXX ) as a flight credit for future travel for my elderly parents. Instead of booking the requested XXXX XXXX to XXXX XXXX for XX/XX/XXXX ( return XX/XX/XXXX ), the Chase agent booked a flight to XXXX ( which was only supposed to be a transit point ) and charged {$1000.00}. 

I discovered the mistake on XX/XX/XXXX, during a conversation with my parents. I immediately called Chase Travel to understand the error and requested a copy of the XX/XX/XXXX call recording. They refused to provide it but admitted a miscommunication occurred and claimed I was responsible for verifying the booking details. Despite multiple requests, the recording was never shared, and they refused a refund of {$1000.00}. 

Willing to resolve the issue and ensure my parents had proper travel arrangements, I asked to rebook the correct XXXX XXXX to XXXX flight. They quoted an additional {$1900.00}. I agreed, but after deducting that amount from my card, they said the fare had increased by ~ {$500.00}. I canceled the rebooking and was told I would receive a refund of {$1900.00} in 35 business days. 

When I didnt receive the refund, I called again on XX/XX/XXXX, and was told the refund wasnt processed and a check would now be issued in 30 days. After spending over 7 hours on calls across multiple daysincluding a 1-hour call on XX/XX/XXXX ; multiple calls totaling over 6 hours on XX/XX/XXXX ; and another hour on XXXX XXXXI am still waiting for my refund and resolution. 
Requested Resolution : Immediate refund of {$1900.00}, Investigation and full disclosure of all call recordings, especially from XX/XX/XXXX, Full refund of {$1000.00} due to the original booking error on XX/XX/XXXX, Compensation for time lost, poor service, and Chases failure to take accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I am in check system and not able to open no bank accounts my identity been stolen and use to fraudulent open a back account at XXXX XXXX XXXX XXXXXXXX i have no knowledge of that account and didnt open up the account ftc report number XXXX i like this fixed and removed from check system and all the bank inquiries and attempts to open up bank account that i didnt do

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
Account Number : XXXX LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX I requested a full investigation from TransUnion 3 times and got the same result. I provided proof that this was removed from my credit report via other agencies. I requested TransUnion to remove this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo claim there is a 'shortage '. In XX/XX/XXXX with a so-called shortage of {$750.00} I was paying {$730.00}. a month. In XX/XX/XXXX I was paying {$730.00}. Now! starting XX/XX/XXXX with a so-called shortage of {$1700.00} is insane. The Accounting is inconsistent. I have XXXX 's payment now but need to know my rights with regulations x and z. The month is not over, and the bank is sending me an increase to {$950.00} a month. 
I was managing my payments in the {$730.00} range Now things are too much. With your council a solution can, be found.

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 2025-04-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: MN

Complaint narrative:
I am a family member of someone who banks with the Navy Federal credit Union, which legally gives me the right to apply. I applied to this bank funded my account opened a pledge loan and then they locked my account. They keep asking me to redo appeals to get the account Unrestricted every time they deny my appeal for different reasons first, they say identity theft then they say it fraud I've supplied every piece of personal identifying documents to prove that I am me even went and drove six hours away to go into a bank branch to have their banker confirm my identity and my documents are legitimate even had my landlord call to confirm that that was my money and she used my money sent by me to her to find my account from her Navy Federal account each and every time I call I'm getting a different story. These people have now caused me to lose my home And have to scrape up money to pay a babysitter to drive six hours away. Their fraud department is refusing to talk to me. No one has called or spoken to me to even verify anything. I didn't submit any claims of fraud. They have all of my personal identifying documents and they refuse to unlock my account to give me access to my Money at this point I wish to sue. I don't want to bank with them anymore, and they are refusing to lift the restriction on my account to give me access to my money so that I can go to a better bank. They are racially profiling me being rude and hanging up the phone when I'm asking questions I have monitored and recorded each and every phone call that I have made with them to turn over to my lawyer, this has been going on for two months straight now playing this game. I'm not playing anymore. I want my money and I want it now. All of these complaints will be documented for my lawsuit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in XXXX XXXX XXXX ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 
and accuracies

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 2025-04-26 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: OH

Complaint narrative:
I respectfully request that you block and remove the unauthorized accounts from my credit report at your earliest convenience. I did not open or approve these accounts and do not recognize them. As outlined in USC 1681g, I am requesting their removal within XXXX  days. Enclosed are supporting documents for your detailed review. Please note that the information being reported differs across credit bureaus, indicating inaccuracies.

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