vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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: NC

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern, I am writing to dispute unauthorized hard inquiries listed on my credit report pursuant to my rights under 15 U.S. Code 1681b and 1681i.

The following inquiries were made without my permission, are not tied to any open accounts, and violate the permissible purpose clause under the FCRA : 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 2025-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Securus J Holdings, LLC
State: TN

Complaint narrative:
Over three months ago, I placed funds on my XXXX loved ones account through JPay to allow for video visitation. However, the video call never worked.

When I contacted customer service, I was informed that JPay does not handle video services only XXXX does. However : The websites and mobile apps display both brands together, implying they are one and the same.

No disclosure was made during the payment process that funds placed through JPay could not be used for XXXXXXXX XXXX 

This lack of clarity misled me into thinking I was properly funding a video call through the correct system. 

When I asked for a refund or correction of the funds to the correct account, JPay blocked my account entirely, stating I shouldnt have asked for a refund. 

Deceptive and Misleading Service Design JPay and XXXX present themselves as the same system online without warning users that funds are not shared or transferrable.

Failure to Provide Paid Services I paid in good faith for a service ( video visitation ) that never worked and wasnt accessible through JPay but this was not disclosed. 

Retaliation for Refund Request JPay 's action to block my account after I sought resolution is unethical and possibly unlawful.

Emotional Distress and Family Disruption My minor child and I have not been able to communicate with his father in over three months, causing emotional harm, sadness, and XXXX This unjust cutoff of communication has impacted our well-being and disrupted our family bond.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: AL

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

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 2025-06-24 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: AL

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NY

Complaint narrative:
Dispute Denial Unauthorized Transaction on XX/XX/year> ( {$1300.00} ) On XX/XX/year>, I reported an unauthorized withdrawal of {$1300.00} from my Chime account. I did not authorize this transaction, nor have I ever sent money to the recipient involved. I immediately filed a police report the same day, which I submitted along with supporting documentation through your dispute portal. 

Despite this, I was notified that my claim was denied the following day, with no clear explanation provided. I respectfully request a detailed explanation of how Chime determined this transaction was authorized, especially given that : I reported the unauthorized transaction immediately on XX/XX/XXXX ; I submitted a valid police report and evidence that this recipient has never received funds from me previously ; The denial was issued within 24 hours, which raises concern about whether a fair and thorough investigation was conducted in accordance with Regulation E of the Electronic Fund Transfer Act. 

Under Regulation E, I am entitled to protection against unauthorized electronic transactions, including the possibility of a provisional credit if an investigation requires additional time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: NC

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

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 2025-06-24 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: NC

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: Experian Information Solutions Inc.
State: IN

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-24 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I was a victim of identity theft. There is an inquiry on my Transunion credit report that is fraudulent and does not belong to me. I've already filed an FTC report. The inquiry is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon reviewing my credit file, I noticed the presence of a hard inquiry that I do not recognize and did not authorize. I have not applied for any credit, loan, or financial product that would justify a credit check during the period reflected. This appears to be a violation of the Fair Credit Reporting Act, which stipulates that inquiries must have a permissible purpose and be backed by documented consumer authorization. As this is not the case, I consider this inquiry to be an inaccurate and unauthorized entry.

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 2025-06-24 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 am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with TransUnion Consumer Solutions due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect information identified in reports from all three credit bureaus.

Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process. 
Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right.

Supporting Case Law : In Cortez v. Trans Union, LLC ( 617 F.3d 688 ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. Dennis v. BEH-1, LLC further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

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 2025-06-24 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX, XXXX, PA XXXX Attn : Credit Dispute Department Subject : Formal Dispute of Credit Line Reduction To Whom It May Concern : I am writing to formally dispute the recent and unjustified reduction of my credit line from {$20000.00} to {$1000.00} on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was originally approved for a {$20000.00} credit line, and since opening the account, I have maintained an exceptional credit history with no derogatory activity. 

On XX/XX/year>, and again on XX/XX/year>, I contacted XXXX XXXX customer service and a senior credit specialist regarding this issue. I was informed that this reduction was the result of an automated credit scoring system used to assess my creditworthiness. However, this action does not reflect my current credit standing, and I strongly believe it is inaccurate and erroneous. 

To reiterate : My credit score with all three major credit bureaus has consistently remained above XXXX. 

My current FICO score is XXXX. 

I have not experienced any negative changes in my financial profile that would justify such a drastic reduction.

This arbitrary change has negatively impacted my credit utilization ratio and, potentially, my overall credit score. I consider this action to be inaccurate, damaging, and not based on factual information.

I am requesting the following : Immediate reinstatement of my original {$20000.00} credit limit. 

A formal written explanation of the criteria used in the automated review that resulted in the credit line reduction. 

Written communication from XXXXXXXX XXXX to all three credit bureaus ( Equifax, XXXX XXXX XXXX ) stating that this reduction was an error, and to remove any adverse effects related to this change. 

If XXXX XXXX fails to correct this issue promptly, I will escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office.

I expect a written response confirming receipt of this dispute and the corrective actions taken within 15 business days. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: FL

Complaint narrative:
XXXXXXXX XXXX Ph : XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Attn : Credit Dispute Department Subject : Formal Dispute of Credit Line Reduction To Whom It May Concern : I am writing to formally dispute the recent and unjustified reduction of my credit line from {$20000.00} to {$1000.00} on my XXXX XXXX XXXX XXXX from XXXXXXXX XXXX XXXXXXXX. I was originally approved for a {$20000.00} credit line, and since opening the account, I have maintained an exceptional credit history with no derogatory activity. 

On XX/XX/year>, and again on XX/XX/year>, I contacted XXXXXXXX XXXX  customer service and a XXXX credit specialist regarding this issue. I was informed that this reduction was the result of an automated credit scoring system used to assess my creditworthiness. However, this action does not reflect my current credit standing, and I strongly believe it is inaccurate and erroneous. 

To reiterate : My credit score with all three major credit bureaus has consistently remained above XXXX. 

My current FICO score is XXXX. 

I have not experienced any negative changes in my financial profile that would justify such a drastic reduction. 

This arbitrary change has negatively impacted my credit utilization ratio and, potentially, my overall credit score. I consider this action to be inaccurate, damaging, and not based on factual information. 

I am requesting the following : Immediate reinstatement of my original {$20000.00} credit limit. 

A formal written explanation of the criteria used in the automated review that resulted in the credit line reduction. 

Written communication from XXXXXXXX XXXX to all three credit bureaus ( XXXX  Experian, and XXXX  ) stating that this reduction was an error, and to remove any adverse effects related to this change. 

If XXXXXXXX XXXX  fails to correct this issue promptly, I will escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

I expect a written response confirming receipt of this dispute and the corrective actions taken within 15 business days. 

Sincerely, 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