vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 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, CHALLENGEDORNOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: LA

Complaint narrative:
XX/XX/scrub>XXXX XXXX I tried to call the company to get my money back I dont know this person at all and tried to work things out with them they say they couldnt retrieve the stolen funds Ive exhausted everything trying to get the funds back nothing has worked I need help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: MI

Complaint narrative:
I disputed a collection account on my credit report with Equifax from ProCollect , Inc. Equifax responded that the account was verified, but they did not provide any supporting documentation, proof, or details about how the account was investigated.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 1681i ( a ) ( 7 ), I am entitled to receive a description of the reinvestigation procedure if requested. I did not receive this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX there is no XXXX  party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Formal Dispute of Fraudulent Account Identity Theft and Lack of Legal Capacity ( FCRA XXXX, XXXX, XXXX ) Dear CFPB Representative, I am writing to formally dispute an inaccurate and fraudulent account that appears on my credit report. This debt does not belong to me, and I request that it be removed immediately under the Fair Credit Reporting Act ( FCRA ) and applicable consumer protection laws. 

Details of the Disputed Account : Creditor : [ Insert Creditor or Furnisher Name ] Account Number : [ Insert Account Number ] Date Opened : [ Insert Date, if available ] Amount : [ Insert Amount ] Credit Bureau Reporting : [ XXXX XXXX XXXX XXXX XXXX specify which ] Grounds for Dispute : Victim of Identity Theft ( FCRA XXXX ) I did not authorize this account. I am a confirmed victim of identity theft. Per FCRA XXXX, I am requesting the immediate blocking and removal of this fraudulent account from my credit file. 

Lack of Legal Capacity Due to Severe Mental Illness During the time this account was allegedly opened, I was under documented treatment for severe mental illness and did not possess the legal capacity to enter into financial agreements. Any alleged debt obtained during this time was done without informed consent or legal capacity, rendering the account invalid and unenforceable. 

Violation of My Rights Under FCRA XXXX and XXXX I have not been provided with proper documentation or original signed agreements that prove I initiated this account. Under FCRA XXXX, I formally request that the furnisher and credit bureaus provide verifiable documentation with my signature proving liability. 

XXXX XXXX XXXXXXXX XXXX ( XXXX ) I am protected under the XXXX due to my mental health condition. Continuing to report this fraudulent debt not only exacerbates my condition but may constitute discriminatory practices and cause irreparable harm. 

Requested Action : Immediate removal of the disputed account from all credit reporting agencies. 

An investigation by the furnisher and a response within the required XXXX period under FCRA XXXX XXXX 

Written confirmation of the removal and a copy of my corrected credit report. 

Attached are copies of my [ drivers license/state ID ], a police report or identity theft affidavit ( if available ), medical documentation ( optional ), and any correspondence from the creditor. 

Please take this matter seriously and respond swiftly. If this issue is not resolved, I will pursue further legal action through the appropriate channels. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: Credit Karma, LLC
State: SC

Complaint narrative:
My XXXX XXXX information was used when someone stole my phone on XXXX XXXX XXXX used it to make several transactions that were unauthorized. Since the money was not stored on XXXX XXXX it then defaulted to my actual bank account with credit karma and took all my savings. I have filed a police report and talked with several agents from both companies with no luck or problem solved. It's been weeks now. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
XX/XX/year>, I started getting calls about a personal loan from a company called Achieve I was unfamiliar with, about a loan. Then I started getting calls From a Freedom financial, saying I was behind, on a loan opened over the phone, and Achieve and Freedom are the same company. I requested an agreement with my signature, which was never produced, by either of the companies. Then I started getting late payments on my credit reports. To this day, I have no account information or proof of signature.my information was sold on the dark web, and social security alerted me. The loan was fraudulently processed. Please remove from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I applied for this loan back in XX/XX/XXXX. It was first a title secured loan, but got my title back after the last installment loan. Ive been told its not good to use your title for anything. But my issue is that I have been paying extra since the beginning of the loan. They are taking out interest even on the extra payments instead of applying those amounts to the principal. I just found this out by requesting a break down report that distinguished what amounts went towards principal vs what went towards interest. Me asking for this report was like I was asking them for top secret information, and almost like they did not want to give me this report. I had a rep laughing at me over the phone like it was a joke. I recorded the phone calls and Im very glad I did. The supposed XXXX made a statement she might listen to the calls where all the drama and animosity occurred trying to get this report. They are taking interested out of the extra payments. Ive just seen they have been ordered to pay millions of dollars for this scam. I would be more than happy to send my recorded calls and would like copies of theirs in case this ends up in court. Im aXX/XX/XXXX XXXX combat war veteran. This is pure evil me being on a fixed income. This needs to be fixed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: MI

Complaint narrative:
Upon careful review, substantial and clear discrepancies have been identified between the account details reported by TransUnion and the authentic documentation provided by XXXX XXXXXXXX XXXX XXXXXXXX, constituting grounds for immediate removal under the Fair Credit Reporting Act ( FCRA ). Specifically, TransUnion inaccurately lists an " account number '' ending with XXXX. The original lender documentation clearly indicates this number is exclusively a loan number, distinctly different from the actual collateral account number ( ending in XXXX ) and the related separate account number ( ending in XXXX ). Further, TransUnion erroneously reports the company 's address as XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, while official bank records explicitly state the lenders legitimate address as XXXX XXXX XXXX, XXXX, GA XXXX. Additionally, TransUnion improperly classifies the account as a standard " installment loan, '' contrary to the original, official establishment of the account as a secured Certificate of Deposit ( CD ) loan, which carries distinctly different terms, conditions, and reporting requirements. Given these significant discrepanciesaddress, loan classification, and account number mismatchesit is evident that TransUnion has failed to conduct proper verification as mandated under FCRA 611 ( 15 U.S.C. 1681i ). These inaccuracies not only misrepresent my credit history but also adversely impact my credit standing unfairly. Therefore, I formally request TransUnion immediately remove this inaccurately reported information from my credit report and provide explicit documentation regarding their verification process, including any information or communications they received that led them to report and verify such clearly erroneous data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: MS

Complaint narrative:
I have sent multiple letters to Equifax, XXXX, and XXXX. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: MS

Complaint narrative:
I have sent multiple letters to Equifax, XXXX, and XXXX. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I received a check of XXXX from my mother settlement and I decided to investment my money with XXXX. I spoke to an advisor from XXXX they advised me on how I could open an account online. I proceded to open an account and waited for my checked to clear and everything was good. A month or XXXX later I checked my account and I was unable to see anything. I called XXXX and they told me that they did not want to do business with me and they was not going to release my funds. I was very upset and confuse. Everyone I spoke to was very nasty and never gave me an answer. Finally I spoke to a XXXX and they told me I had to sell all my stock and that they would release my funds. XXXX eventually wired my funds to my Chase account, I spoke to an advisor at Chase and I went into the branch, and XXXX the XXXX XXXXXXXX from the XXXX Fl location assisted me and I open up a stock account and a managed account. Fast forward to XXXX my wife gets a email that all our account are restricted and Chase is closing our accounts due to fraudualet activity. And now Chase does not want to bank with us. My wife finds out that XXXX is going to Chase requesting my money back that they wired to my account. How you request my money back when it is my money. I called XXXX to ask them why are they going to Chase requesting my money back and the representative stated that they did not get the money back any and that is between me and Chase. And hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: MA

Complaint narrative:
XX/XX/XXXX Experian XXXX box XXXX XXXX, TX XXXX XXXX and Final Request before legal action. LAST CFPB # - XXXX I was looking at my credit report and this account looks weird to me. The last date of activity, the last date of payment, the account number, the balance etc. Everything on my credit report looks to be incorrect. Can you please delete these items from my credit report because they are not accurate, and it is not complete. The is XXXX account that shows XXXX times and XXXX account that shows XXXX times. 
I sent you letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. I have attached that letter that I sent you last that clearly tells you that the information you are reporting is not accurate and its also not complete. It is incorrect, please delete this Immediately. I want you to reinvestigate this ( for a XXXX time ) because the way it is looking on my credit report, it does not look accurate or complete. The is XXXX account that shows 5 times and XXXX account that shows XXXX times. 

Please look into the following attributes and you will see that they are incorrect. I have also highlighted them on the pages included from the last letter I sent. 

First Date of Activity Last Date of Activity Last Date of Payment Account Number Balance Current Status This will be my fourth and final letter giving you the opportunity to correct these issues that are incorrectly listed on my credit report. It is reporting inaccurately and not complete as they should be. Do not accept any finding of the furnishers who do not provide thorough results of their investigations. Due to the lawsuit filed against XXXX XXXX Experian on XX/XX/XXXX, I insist you conduct a full investigation as required by FCRA law. If this is not removed in the next XXXX days, I will be forced to take legal actions. All communications have been delivered by XXXX mail. This will be tracked by tracking and proof of delivery. 

Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA 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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To : TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Reinsertion of Inaccurate Address Without Notice FCRA Violation ( XXXX ( a ) ( XXXX ) ( B ) ) To Whom It XXXX Concern : This letter is to inform you that an inaccurate address and phone number, which I previously disputed and had successfully removed from my credit report, has now been reinserted. The address and phone number in question are : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Under Section XXXX ( a ) ( XXXX ) ( B ) of the Fair Credit Reporting Act ( FCRA ), if any deleted information is reinserted into a consumers credit file, the consumer must be notified in writing within XXXX business days of the reinsertion. I never received any such notification. 

This reinsertion is not only inaccurate but also a violation of my rights as a consumer. I demand the following : Immediate removal of the incorrect addresses and phone number from my credit report A detailed explanation of how and why the address was reinserted A copy of all documentation used to verify and authorize the reinsertion Assurance that the addresses and phone number will not be reinserted again without full legal compliance This is a formal dispute under the FCRA. I have also submitted a complaint with the Consumer Financial Protection Bureau ( CFPB ) and will escalate further if necessary. 

Enclosed are the following for your reference : A copy of my credit report showing the reinserted address A copy of my government-issued ID Please investigate and respond in writing within the XXXX timeframe as required by law. 

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 2025-04-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Our high yield savings account was closed without notice or reason, and when trying to confirm that a check would be sent to the mailing address on file the phone call cut out and I could not get back through on XX/XX/year>. On XX/XX/year> I followed up and was able to get through and they confirmed that the check still had not been sent, and an internal complaint was being filed but no date was given for expectations of when the check would be sent. I was also locked out of the online access to the account so I have no way of accessing my bank statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I settle this account and the company refuses to report the correct amount and still show this with an open balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: NY

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no XXXX party involved. Please review the uploaded letters.

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