vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-21 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/year> 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 XXXX business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXX XXXX XXXX XXXX BALANCE : {$650.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE : {$370.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  BALANCE : {$20000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE : {$800.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and 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 your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are 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 non-monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The issue is with EquiFax and Experian where my social security number and other personal information were removed at some point when I was under XXXX from my credit files by my parents, and now my credit is largely inaccessible with EquiFax and Experian. For Equifax, the fields under personal information for my name, social security number, date of birth, address, phone number, and employment history are blank. Despite me having XXXX lines of credit, which all appear with XXXX, none of my lines of credit appear on my EquiFax file because of the missing personal information. I also get errors trying to freeze/ unfreeze credit online because of this, however after providing all of this personal information over the phone with Equifax they can freeze/unfreeze my credit, and whether my credit is frozen or not is visible to me on my online account. When trying to file a dispute online, I get the error message We are temporarily unable to complete this request. Please try again later. Which has appeared over the last XXXX years Ive tried fixing this. When calling to dispute, Ive been told I have to mail a copy of my social security card and drivers license to the dispute center with instructions to update the fields, and after doing so my information was still not fixed and when calling I was told the mail wasnt received. 

With Experian, I have the same issue where my social security is not associated with my credit file, and when attempting to create an account online using my social security and personal information I get the following error message We are currently unable to process your request. 
We have encountered an internal system error. Please note that your order has been canceled. Sorry about the inconvenience. which has appeared at least since I started trying to access my credit and fix my missing personal information in XX/XX/year>. Similarly, I tried mailing copies of my SSN and ID to Experian in XX/XX/year>, and never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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:
I am submitting a complaint regarding inaccurate and harmful credit reporting related to a XXXX XXXX account that has been closed since XX/XX/2025. Despite the account being closed, it continues to be reported with a derogatory remark that is negatively affecting my XXXX XXXX. 

I have disputed this item multiple times with all three credit reporting agenciesXXXX TransUnion, and XXXX written correspondence on various dates. To date, no action has been taken to permanently remove this derogatory item, and it continues to appear on my credit reports. 

The late payments associated with this account occurred during the XXXX XXXX. During that time, I became ill XXXX XXXX XXXX XXXX and was unable to work or secure employment. These circumstances were beyond my control and directly affected my ability to make timely payments. 

Because the account has been closed and the negative reporting stems from documented hardship during the XXXX, the continued reporting of this derogatory remark is inaccurate and unfair. I am requesting that XXXX XXXX correct this issue by permanently removing the derogatory information from my credit reports.

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 2025-12-21 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:
UPON ME RECEIVING A COLLECTING NOTICE IN THE MAIL IN REGARDS TO ACCOUNT I PULLED MT=Y CREDIT REPORTS AND SAW SEVERAL ACCOUNTS OPEN IN MY NAME THAT WERE FRADULENTLY OPEN

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 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: PA

Complaint narrative:
UPON ME RECEIVING A COLLECTING NOTICE IN THE MAIL IN REGARDS TO ACCOUNT I PULLED MT=Y CREDIT REPORTS AND SAW SEVERAL ACCOUNTS OPEN IN MY NAME THAT WERE FRADULENTLY OPEN

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 2025-12-21 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT.

AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I

n 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 2025-12-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I

n 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX  received my dispute on XX/XX/2025. The response consisted solely of billing statements, with no evidence of reasonable investigation. 
This violates 15 U.S.C. 1681s-2 ( b ).

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 2025-12-21 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: CBC Companies, Inc.
State: OH

Complaint narrative:
XXXX XXXX  received my dispute on XX/XX/year>. The response consisted solely of billing statements, with no evidence of reasonable investigation. 
This violates 15 U.S.C. 1681s-2 ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 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: SANTANDER HOLDINGS USA, INC.
State: NV

Complaint narrative:
I am submitting a complaint regarding inaccurate and harmful credit reporting related to a Chrysler Capital account that has been closed since XX/XX/year>. Despite the account being closed, it continues to be reported with a derogatory remark that is negatively affecting my credit score. 

I have disputed this item multiple times with all three credit reporting agenciesXXXX XXXX, and XXXX written correspondence on various dates. To date, no action has been taken to permanently remove this derogatory item, and it continues to appear on my credit reports. 

The late payments associated with this account occurred during the XXXX pandemic. During that time, I became XXXX XXXX XXXX XXXX XXXX and was unable to work or secure employment. These circumstances were beyond my control and directly affected my ability to make timely payments. 

Because the account has been closed and the negative reporting stems from documented hardship during the XXXX, the continued reporting of this derogatory remark is inaccurate and unfair. I am requesting that XXXX XXXX  correct this issue by permanently removing the derogatory information from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.

Complaint narrative:
On XX/XX/year>, an international XXXX  wire transfer in the amount of USD XXXX was sent from XXXX XXXX XXXX ( Georgia ) to Citibank N.A. ( United States ), with XXXX XXXX ( XXXX ) acting as the intermediary bank. 

Despite the transfer being successfully sent, the funds have not been credited to the beneficiary, nor have they been returned to the sender. More than XXXX months have passed since the transaction date. 

I contacted the company to request the status of the transfer, including whether the funds were credited, rejected, held for compliance review, or returned. I did not receive a clear or complete response resolving the issue. 

I also filed a formal complaint with the XXXXXXXX XXXX XXXX XXXX. However, the transfer remains unresolved. 

I am requesting assistance to obtain a clear status of the wire transfer and to ensure that the funds are either properly delivered to the beneficiary or promptly returned to the sender.

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 2025-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
I submitted a written dispute on XX/XX/year>, which National Credit Systems received on XX/XX/year>. No response has been issued. 
Failure to respond constitutes violations of 15 U.S.C. 1681s-2 ( b ) and 1681i ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 XXXX 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 2025-12-21 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:
TransUnion has illegally reinserted a XXXX XXXX account that was previously deleted as identity theft based on a police report ( # XXXX ) and FTC Identity Theft Report ( # XXXX ). 

Under FCRA 611 ( a ) ( 5 ) ( B ), TransUnion may not reinsert previously deleted information unless it receives certification of accuracy from the furnisher and provides written notice to the consumer within XXXX business days. I received no such notice. 

This reinsertion follows multiple deletions and formal disputes and constitutes repeated noncompliance with the Fair Credit Reporting Act. I am requesting immediate blocking of the account, written confirmation, and investigation into TransUnions reinsertion practices.

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 2025-12-21 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 disputing the bankruptcy showing on my credit report because it is not mine. I have never filed for bankruptcy, and I believe it was reported in error. 


XXXX Bankruptcy XXXX # XXXX - Date Filed : XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ) Sections 611 and 607 ( b ), credit bureaus must make sure all information is accurate and remove anything that cant 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 non-monetary relief
Consumer complaint received 2025-12-21 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:
I am filling this complaint under the Fair Credit Reporting Act ( FCRA ) due to the willful noncompliance of the credit bureaus and data furnishers in properly investigating my disputes, as required under 15 U.S.C 1681i and 15 U.S.C. 1681s-2 ( b ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation and have continued to report incorrect information on my credit report. Furthermore the data furnishers have neglected their legal obligation to investigate the disputed information when notified by the credit bureaus. Recently, the Consumer Financial Protection Bureau filed a lawsuit against Transunion for it's failure to properly investigate consumer disputes, 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. Failing to notify customers about investigation results effectively. Please review the inaccurate information being report ; XXXX  {$25000.00}, XXXX {$0.00},, XXXX {$1800.00},, XXXX {$3300.00},, XXXX {$1000.00}, XXXX {$1500.00}.

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 2025-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I mailed a Debt Validation letter on XX/XX/year> with the XXXX via certified mail, tracking # XXXX to XXXX XXXXXXXX XXXX at XXXX XXXX XXXX XXXXXXXX, SC XXXX. XXXX responded on XX/XX/year> with XXXX letters, XXXX saying another servicer is the current servicer. The XXXX letter said they are providing proof of ownership, which is a XXXX XXXX XXXX bill with a name I have never used, XXXX XXXX XXXX. The information sent does not prove this bill is mine. I asked for the original contract with my signature along with other information to prove the debt is truly mine and as you can read in the attachments, they have not provided. I would like this debt removed from my credit accounts due to inaccurate 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 2025-12-21 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: AR

Complaint narrative:
The account was paid off completely, but the report continues to display late-payment entries.

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 2025-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding the unjustified restriction and subsequent denial of banking services for my account ending in XXXX, held under the name XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX. 
On XX/XX/year>, I received a notice stating that my account was restricted due to " recent activity '' or a need for " more information ''. The notice claimed this was to " protect against potential fraud '' but failed to provide any specific details regarding what transaction or activity triggered this flag. 
Despite the correspondence stating that I " may be able to provide information needed to keep it open '', the bank provided no meaningful opportunity to cure the alleged issue or clarify the misunderstanding. This vagueness prevents me from addressing the root cause and effectively denies me the ability to maintain a banking relationship with your institution. 
I am requesting the following relief : XXXX. A specific explanation of the " recent activity '' that led to the restriction of the account ending in XXXX. 
XXXX. Reconsideration and reinstatement of my eligibility to hold accounts with Chase, as no fraud was committed by me or my business. 
XXXX. Removal of any negative reports sent to banking reporting agencies ( such as XXXX  or XXXX XXXX XXXX ) that suggest fraudulent activity, as these records unfairly damage my financial reputation and prevent me from opening accounts elsewhere. 
I have acted in good faith and believe this action by Chase was an error or an automated false positive. I look forward to a prompt and specific response resolving this matter. 
Sincerely, XXXX XXXX XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation