vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to XXXX U.S. Code XXXX, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under XXXX XXXX XXXX XXXX, XXXX XXXX, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within XXXX ( XXXX ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX WY XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX * * * * Balance : {$0.00} XXXX XXXX * * * * Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * Balance : {$240.00} XXXX CREDIT ( Original XXXX : XXXX CITY OF XXXX ) XXXX * XXXX * * Balance : {$100.00} XXXX XX/XX/year> XXXX XXXX XX/XX/year> Under XXXX U.S. Code XXXX ( XXXX ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under XXXX U.S. Code XXXX - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

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 2025-05-03 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law..

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 2025-05-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX XXXX, I made a deposit at the ATM of a second party check from the IRS. The check is a tax refund from my son who currently do not have an account. My son endorsed the check to me then I signed below. On XX/XX/XXXX, I received notification that the check is being returned for improper endorsement. I entered the branch at XXXX XXXX XXXX and spoke with the personal banker- XXXX. The banker called someone via phone, and they informed XXXX and me that the endorsement is improper. 

Please tell me how this endorsement is improper when it is actually signed ( first, middle, last name ) for the payee and myself! This is how the payee signs his name. Also, this check has my son & I current address. 

Light bulb moment, the payee should make it more legible for someone at chase bank despite this being his LEGAL signature. 

Please tell me how the decision was made as improper endorsement. The payee is NOT a customer of chase bank hence a signature could NOT be verified. 

My daughter who's in her second year of law school will be doomed! If someone from chase bank decide " I can't make out the signature '' so it will be considered improper. 

Hint Hint.......... A lot of signatures are NOT legible to everyone particularly doctors and lawyers.....

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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 XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/year> Subject : Request for Removal of Closed Account from Credit Report Dear Credit Bureaus, I am writing to formally request the removal of a closed account from my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( a ). 

My name is XXXX XXXX. The account in question is [ SBNASELFLNDR XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ] and is listed on my credit report dated [ XX/XX/year> ]. 

According to 15 U.S.C. 1681 ( a ), credit reporting agencies must ensure that the information they report is accurate and up to date. It is my belief that the inclusion of this closed account is not only outdated but also detrimental to my credit profile. I have reviewed my credit report thoroughly and have found that this account has been marked as closed since [ Date Closed ]. Under the FCRA, closed accounts should be removed if they do not provide an accurate reflection of my current creditworthiness. 

I kindly ask that you review my request and take the necessary steps to remove this closed account from my credit report. I have attached relevant documentation including which supports my claim that this account should no longer be reported. 

Please respond to my request within the 30-day timeframe stipulated by the FCRA. Should you require any additional information or documentation to process this request, do not hesitate to contact me at [ XXXX ] or [ XXXX ]. 



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



Sincerely, 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 2025-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: NJ

Complaint narrative:
Two transfers were done : XXXX transfer # XXXX, amount of XXXX USD, done by me on XX/XX/XXXX. 
XXXX transfer # XXXX, amount of XXXX USD, done by me on XX/XX/XXXX. 
Both transactions were very urgent, and both should be delivered within XXXX business days, as they were sent to me by email. 

Until XX/XX/XXXX, the recipient had not received any money, and he asked me to send it with another transfer company. 
I sent a couple of emails asking about the transfers and why they were not done.? They informed me, I need to wait a couple of days, so I asked to cancel the transfers on XX/XX/XXXX. Also, I asked to close my account. The recipient closed his account and left that country. 

After we emailed each other a couple of times, they were asking about their money, and I kept telling them that the recipient bank account is closed, and they need to reach out to his bank to arrange the refund, '' as the recipient bank has told me. '' Wise said they can not do that and moved my case to a debt collector, " XXXX XXXX XXXX '' on XX/XX/XXXX. 

Again, I started to explain everything to " XXXX XXXX XXXX '' until I received an email from them on XX/XX/XXXX saying that " Your dispute has been received. XXXX XXXX is no longer servicing your account. ". I called Wise customer service to figure out what happened, and they said they would check and let me know. But they didn't. I thought the problem was solved. 

On XX/XX/XXXX!!!! after XXXX  years, I received an email from another debt collection company asking about the money, after XXXX years!!!!! 

I tried to call the recipient bank, but they refused to give me any information ; they don't recognize my name for any transfer, and they can not give me any information. And they asked to let the transferring company call them. Wise, still refusing to call or contact the bank. Furthermore, I received a different transfer with the same company, and it shows the sent information. If my transfers were done, why are they not showing my information at the recipient bank? 

I feel it is a process of scamming, and I don't have any way to confirm that the recipient bank received the money. 

All emails and documents are available under request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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 2025-05-03 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: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-03 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:
This is my first request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-03 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:
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 XXXXXXXX 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/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 non-monetary relief
Consumer complaint received 2025-05-03 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 XXXXXXXX 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/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 2025-05-03 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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.

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 2025-05-03 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: IL

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-05-03 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/year> Subject : Request for Removal of Closed Account from Credit Report Dear Credit Bureaus, I am writing to formally request the removal of a closed account from my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( a ). 

My name is XXXX XXXX. The account in question is [ SBNASELFLNDR XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ] and is listed on my credit report dated [ XX/XX/year> ]. 

According to 15 U.S.C. 1681 ( a ), credit reporting agencies must ensure that the information they report is accurate and up to date. It is my belief that the inclusion of this closed account is not only outdated but also detrimental to my credit profile. I have reviewed my credit report thoroughly and have found that this account has been marked as closed since [ Date Closed ]. Under the FCRA, closed accounts should be removed if they do not provide an accurate reflection of my current creditworthiness. 

I kindly ask that you review my request and take the necessary steps to remove this closed account from my credit report. I have attached relevant documentation including which supports my claim that this account should no longer be reported. 

Please respond to my request within the 30-day timeframe stipulated by the FCRA. Should you require any additional information or documentation to process this request, do not hesitate to contact me at [ XXXX ] or [ XXXX ]. 



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



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/year> Subject : Request for Removal of Closed Account from Credit Report Dear Credit Bureaus, I am writing to formally request the removal of a closed account from my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( a ). 

My name is XXXX XXXX. The account in question is [ SBNASELFLNDR XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ] and is listed on my credit report dated [ XX/XX/year> ]. 

According to 15 U.S.C. 1681 ( a ), credit reporting agencies must ensure that the information they report is accurate and up to date. It is my belief that the inclusion of this closed account is not only outdated but also detrimental to my credit profile. I have reviewed my credit report thoroughly and have found that this account has been marked as closed since [ Date Closed ]. Under the FCRA, closed accounts should be removed if they do not provide an accurate reflection of my current creditworthiness. 

I kindly ask that you review my request and take the necessary steps to remove this closed account from my credit report. I have attached relevant documentation including which supports my claim that this account should no longer be reported. 

Please respond to my request within the 30-day timeframe stipulated by the FCRA. Should you require any additional information or documentation to process this request, do not hesitate to contact me at [ XXXX ] or [ XXXX ]. 



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



Sincerely, 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 2025-05-03 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at mXXXX XXXX XXXX XXXX TransUnion credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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.

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