vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act.

Complaint Summary : I am submitting this complaint against [ Credit Bureau Name ] regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ).

On [ Date of Credit Report ], I discovered discrepancies in the following account ( XXXX ) : Account Name : XXXX XXXX Account Number : XXXX Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original. 
4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Subject : Notification of Data Breach Involving Personal Information Hello, I am writing to inform you that my personal information was recently exposed in a data breach. This incident has raised significant concerns regarding the security of my sensitive data, including my name, email address, and potentially other identifying details. 

I would appreciate any guidance on the next steps I should take to mitigate potential risks associated with this breach, including recommendations for monitoring my accounts and protecting my information moving forward. 

Thank you for your attention to this serious matter. 

Best regards, 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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Subject : Notification of Data Breach Involving Personal Information Hello, I am writing to inform you that my personal information was recently exposed in a data breach. This incident has raised significant concerns regarding the security of my sensitive data, including my name, email address, and potentially other identifying details. 

I would appreciate any guidance on the next steps I should take to mitigate potential risks associated with this breach, including recommendations for monitoring my accounts and protecting my information moving forward. 

Thank you for your attention to this serious matter. 

Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: WI

Complaint narrative:
I have a collections that is beyond the statute of limitations. I have an email from the creditor stating such. The credit beareau has ignored 3 disputes. I have tried to send the email but they ignore it, I get no response. The email states the debt is too old to sue me. And in my state the limitation is 6 years to sue AND collect. So if you can't sue me, you can no longer collect. It should be removed as an active debt.

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I have reached out to Experian Credit Reporting agency. My complaint is as follows : I asked them why they were hurting my credit report on purpose. The factors they list under my credit report are from XXXX and are as follows : XXXX XXXX. Balances on bankcard or revolving accts not too high compared to limits 2. Few or no installment accts with delinquent or derogatory payment status 3.The balances on your accounts are not too high compared to loan limits 4.Total of all balances on bankcard or revolving accounts is not too high 5. The date that you opened your oldest account is too recent 6. Lack of sufficient relevant real estate account information 7. You have too many inquiries on your credit report.

8. Your largest credit limit on open bankcard or revolving accounts is too low My credit report dropped from XXXX to XXXX a total of XXXX points. I am questioning their reasoning because, it shows they are intentionally hurting my CR and it will cost me higher interest rates. I bring to your attention the 1st statement : They are not too high to the limits so I am being dinged for that. The 2nd statement is saying, I don't have enough delinquent or derogatory information. The 3rd statement is once again the same as the first but about loans. The same is said for the 4th statement. The 5th statement I agree with. The 6th statement is my main complaint, my wife and I have sold two homes in XXXX and XXXX ; however, because we have zero relevant real estate account information Experian is saying that is a negative effect. ( Why should I have to buy real estate to get a better credit rating ). This is implying that I am a high risk because I don't spend money on real estate. The 7th statement I agree with. The last statement 8th is very subjective, because my credit limit on a credit card is {$6000.00}, which I have only used only {$1600.00} of this. This is my highest debit on any credit cards, in my name. When I look at other credit reporting agencies, XXXX and XXXX, neither of these two have any such statements that is subjective to implying, if you don't have high debt, then you are a bad risk investment for lenders.

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 2025-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: TX

Complaint narrative:
Debt collection is being reported on my credit report on all XXXX reporting agencies which is causing my beacon score to go down far enough that it went from good to fair.It shows up as collection account in the amount of {$740.00} dollars from The XXXX XXXX of XXXX says since XXXX till XXXX it is owed.From my understanding on XXXX XXXX CFPB past a rule that prohibits medical debt from appearing on credit reporting.So the collection agency is breaking the rule.So I would like to see if yall can possibly remove that collection account from all three of the credit reporting agencies which is causing my beacon score to drop substantially.Contact info for collections agency are as XXXX, address is XXXX XXXX XXXX XXXX XXXX Fl XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: GA

Complaint narrative:
I keep receiving information as well as calls from XXXX. I have been denied credit from XXXX. I received e-mail saying I successfully update my phone number, which I did not. I believe someone else has applied for this and is using my information FALSELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: GA

Complaint narrative:
I keep receiving information as well as calls from XXXX. I have been denied credit from XXXX. I received e-mail saying I successfully update my phone number, which I did not. I believe someone else has applied for this and is using my information FALSELY.

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 2025-03-02 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I keep receiving information as well as calls from CHASE. I have been denied credit from CHASE. I received e-mail saying I successfully update my phone number, which I did not. I believe someone else has applied for this and is using my information FALSELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), 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 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 COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 # ( private case number ) 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 explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FISERV FINXACT CORE
State: LA

Complaint narrative:
Received notice dated XX/XX/XXXX, from XXXX XXXX XXXX regarding a debt from XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXXXXXX  notice was sent to XXXX XXXX XXXX requesting a validation of such debt and that it was in error. Copy of communication from XXXX was also sent stating the debt was paid for. No information regarding the debt was sent from XXXX XXXX XXXX. In XXXX of XXXX I received another notice from XXXX XXXX XXXX demanding payment of such debt. Upon calling XXXX I spoke with XXXX XXXX. XXXX stated that the amount being demanded was wrong and that the amount went from {$64.00} to {$150.00}. I was also told that the creditor was not XXXX XXXX but rather XXXX. When questioned about the validation, XXXX stated that she is validating the debt. Supervisor spoke with me stating the creditor is XXXX and that XXXX was wrong, the amount was {$64.00}. Supervisor alledged that a validation letter would be sent out, but as of XX/XX/XXXX no such letter has arrived.

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 2025-03-02 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: NV

Complaint narrative:
Experian, TransUion, and Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-02 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: NV

Complaint narrative:
Experian, TransUion, and Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-02 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: GA

Complaint narrative:
My XXXX XXXXXXXX credit card account was closed and charged off XXXX of XXXX, despite being on a payment plan. By XXXX XXXX closing my account, and continuing to charge me interest, fees, my XXXX XXXX dropped XXXX points. 

I want XXXX XXXX to immediately stop reporting my former credit card each month as " missed payments ''. There are no missed payments, because the account has already been closed by XXXX XXXX since they chose to write off my account in XXXX of XXXX. ( XXXX XXXX chose to close and write off the account, NOT me )... Despite closing my account and writing off the account, XXXX XXXXXXXX has continued to report " missed payments '' for the past XXXX months on my credit scores, XXXX, XXXX, XXXX of XXXX and XXXX, XXXX and XXXX of XXXX, thus continuing to negatively impact my credit scores, despite the fact I was already dinged XXXX points. This has caused a high negative credit impact rating on my accounts. 

I have provided documentation, and reached out to XXXX XXXX, yet they continue to manipulate my credit scores and to this point, continue to get away with crushing what was a XXXX near perfect credit score. XXXX XXXX must be stopped, and I demand satisfaction and XXXX XXXX to be held liable and accountable for their continuation of credit score destruction.

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 2025-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE
State: ND

Complaint narrative:
My Barclays credit account was opened on XX/XX/XXXX and was in good standing with my payments until it was closed on XX/XX/XXXX according to my credit reports and reported as Charge off/ Collection.

Due to financial hardship during Covid, I was unable to pay on time but was never notified on what was done to my account ; however I tried my best to pay my due balances with the last payment reported on XX/XX/XXXX. 

I was never contacted by the credit lender or any collection agency to notify me about my account being charge off or send to collection. There were no attempts made to notify me or collect my debt. I only discovered this while in the process of getting a mortgage and was told this account was hindering my approval. 

I have since tried to contact Barclays and was referred to a phone number that supposedly belonged to a collection agency. But the phone number was out of service and somehow transferred my call to a credit repair company called XXXX. I was under the assumption that they were the collection agency and I had given them my personal info including my SSN, Debit Card #, and XXXX in order to settle my account. Thankfully I did my own research and was able to cancel my case with them. 

At this time of filing this complaint, I am still unable to figure out what had happened to my account, who owns my debt, or where to settle my account. I have reached out to Barclays once again, they were able to track my account but still unable to clarify to me where or who to contact in order for me to get this account settled.

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 2025-03-03 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in 2024. My name is XXXX XXXX, and I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach.Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience.Thank you for your assistance.Sincerely, XXXX XXXX. 

Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXXXXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account

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 2025-03-02 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: NJ

Complaint narrative:
Formal dispute regarding inaccurate information on my credit report I am writing to dispute inaccurate information on my report that is harming my financial situation. I am aware of my rights under the Fair Credit reporting act and requesting a thorough investigation into these inaccuracies as required by federal law CFPB recently filed a lawsuit against Experian for its failure to properly investigate consumer complaints, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB include : Conducting inadequate investigations that fail to address consumer disputes properly Reinserting previously disputed and inaccurate information without explanation Failure to notify consumers about investigations results effectively

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