vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 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: NC

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX, NC, XXXX ] [ XXXX ] [ XXXX ] Date : [ XX/XX/year> ] Transunion ] [ XXXX, CA, XXXX ] Subject : Dispute of Closed Account with Misinformation [ XXXX ] Dear Sir/Madam, I am writing to formally dispute inaccurate information regarding my closed credit account listed on my credit report. The account in question is identified by the account number [ XXXX ]. 

According to the information provided in my credit report, this account is reported as closed. However, there is misinformation regarding the [ Account balance TransUnion has the account at a balance of XXXX but the account balance is XXXX ]. I believe this information is incorrect, and I am requesting an immediate investigation into this matter. 

I would like to highlight that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. Specifically, Section 609 of the FCRA mandates that credit bureaus must ensure that the information they report is accurate and complete. If they are unable to verify the information within 30 days of receiving my dispute, they must correct or remove the inaccurate entry.

Additionally, under Section 623 of the FCRA, I would like to remind you that if the information provided by the creditor is incorrect, the credit bureau is required to correct the record and notify all parties who have accessed my credit report of the changes. 

Please conduct a thorough investigation into the account and provide me with the results of your findings as required under the FCRA. If the information can not be verified, I request that the entry be corrected or removed from my credit report. 

Enclosed are copies of any supporting documentation I have, including relevant account statements and correspondence. If further information is required, please feel free to contact me at the provided address or phone number. 

I look forward to your prompt response within the 30-day period. Thank you for your immediate attention to this matter. 

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 2025-03-18 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
Subject : Grievance Regarding Disputed Lease Agreement and Credit Impact I am writing to formally address an ongoing dispute I have been having with the collection agency. Last month, I submitted a grievance, and I received a response from the agency stating that they would review my issue and consider the matter closed. However, on XX/XX/XXXX, I received a letter from them, along with the lease agreement I signed on XX/XX/XXXX. 

My frustration arises from the fact that despite all the paperwork I signed, I was never officially approved for the lease. XXXX XXXX required that I provide a guarantor because I did not qualify on my own. Here are the key details : - On XX/XX/XXXX, XXXX XXXX sent my mother an email asking her to act as my guarantor ( email attached ). 
- On XX/XX/XXXX, my mother signed as the guarantor ( email attached ). 
- On XX/XX/XXXX, XXXX  XXXX informed me that my guarantor was not qualified and provided me with other options, which I did not have ( email attached ). 
- On XX/XX/XXXX, XXXX from XXXX XXXX contacted me to inform me that the lease would not be completed unless I selected an option. I informed them that I did not have any other option. Despite this, they proceeded to lease the apartment to someone else. 

On XX/XX/XXXX, I responded to the agency with all relevant emails, clearly stating that I had never qualified for the lease. However, today, XX/XX/XXXX, I received a letter from them rejecting my dispute on the grounds that I signed the lease. 

In my response, I also pointed out that the year XXXX was particularly challenging due to the XXXX pandemic, which caused all schools to close. However, I was disqualified even before the pandemic and the school closures were announced. 

I am requesting the consumer agency 's assistance in resolving this matter, as I believe I have been unjustly treated, and my credit is being negatively impacted. I have attached all the documentation, including the emails, that demonstrate my side of the situation. Additionally, I have included the final email from XXXX XXXX stating that the lease would not be complete unless I provided a qualified guarantor or could come up with three times the monthly rent neither of which was possible for me. 

Thank you for your attention to this matter, and I look forward to your assistance in resolving this dispute. 

XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This morning, I was shocked to find an unauthorized inquiry on my credit report, and I have no idea why its there. I routinely check my report, but this time, unexpected discrepancies appeared. Hoping it was a glitch, I refreshed my browser multiple times, but the inquiry remained. This is incredibly frustrating, and I need the documents I submitted to be carefully reviewed so I never have to deal with this again.

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 2025-03-18 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: IL

Complaint narrative:
It has been drawn out that Credit Bureau is not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b 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. Here is the account that needs to be removed from my file : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX I XXXX Balance Owed : {$260.00}

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 2025-03-18 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:
Submitted disputes XX/XX/year>, XX/XX/year> to have fraudulent accounts removed off of report and tons of inquiries that are not mine on my report, XXXX bureaus has a high score which is Equifax and trans union has me XXXX points lower, makes no sense. I should have no inquiries and XXXX XXXX accounts should be deleted as well as any collections which are not mine. Balances not updated promptly,

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 2025-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: WA

Complaint narrative:
I received a letter today ( XX/XX/year> ) from Chime with an attached debit card to activate and a heading welcome to the Chime family. 

I called their customer service line ( XXXX ) also on the same day and after many attempts connected to a live person. I asked them to cancel my account or whatever they had. All they kept saying was that they would forward my inquiry to the correct department and they asked for the last 4 of my social and my birthdate. I refused. 

This is an abhorrent business practice. It made me scared that my identity was stolen and that someone applied for a credit card in my name. Upon doing more research online it seems like this is common practice for Chime. I want all my information and accounts ( if there are any in their database ) cancelled and removed. I also want to be further removed from all communication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 2025-03-18 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 2025-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
I have reached out to the finance department and I did a volunteer repo I was paying more to repair the vehicle than it was worth is was {$15000.00} worth of repairs that the vehicle has lemon law issues I only received collection notices

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: WA

Complaint narrative:
this collection company does not have a license to collect the debt in Washington state. Cavalry Portfolio Services , LLC so they are in violation of federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Summary of Complaint : I am filing this complaint against XXXX XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) by unlawfully re-inserting a previously deleted negative item on my credit report without notifying me and without providing the legally required reinvestigation findings or supporting documentation. 

Details of the Violation : I disputed a negative account with XXXX XXXX XXXX, and as a result, the credit bureaus deleted the item from my consumer report. 
Without proper justification or documentation, the account was later re-inserted onto my credit report without my consent or any written notice within five ( 5 ) business days, as required by law.

Upon requesting proof of the reinvestigation findings, neither XXXX XXXX XXXX nor the credit bureaus have provided any valid explanation, supporting documentation, or proof of a new or corrected debt. 
The failure to provide proof of reinvestigation and supporting documentation violates my consumer rights under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ), which mandates that I be informed and furnished with any evidence used to support the reinsertion. 
Legal Violations Committed by XXXX XXXX XXXX : Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) Failure to provide written notice and supporting documentation for reinsertion of a deleted account.

Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ) False and misleading representation of an alleged debt.

Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ) Failure to conduct a proper reinvestigation of disputed information.

Consumer Financial Protection Act ( 12 U.S.C. 5531 ) Engaging in unfair, deceptive, or abusive acts or practices ( UDAAP ).

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 2025-03-18 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: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-03-18 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:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by XXXX as mandated by the Consumer Financial Protection Bureau ( CFPB ).

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXX XXXXXXXX.

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 2025-03-18 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: PA

Complaint narrative:
I am submitting this complaint to inform you that I have been a victim of identity theft. After conducting research on how to remove the fraudulent items from my credit report, I discovered that I need to file a report with the Federal Trade Commission, which can be done at XXXX. According to Section 605B of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to remove any items listed in an identity theft report.

Enclosed are the necessary documents to assist in the removal of the erroneous information currently appearing on my report. Below is a list of items that do not belong to me or were opened without my authorization As stipulated in FCRA Section 605B ( a ), credit reporting agencies are required to remove any information identified by the consumer as resulting from identity theft within four business days of receipt of this request. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed XXXX {$6700.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$5100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX XXXX XXXX Creditor : CAPITAL XXXX XXXX .A. ) XXXX Balance Owed : {$490.00} PORTFOLIO XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1200.00} XXXX XXXX XXXXXXXX XXXX XXXX Owed : {$4100.00} DP OF XXXX XXXX Balance XXXX : {$3600.00} XACTUS XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief