vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: HI

Complaint narrative:
I am formally disputing the presence of accounts being reported under my name without my knowledge, authorization, or consent. I have never opened or managed these accounts, and their presence on my credit report is entirely inaccurate and misleading. 

This situation is unacceptable. These false entries misrepresent my financial history and undermine the integrity of my credit profile. I take this matter very seriously and demand immediate clarification regarding how these accounts appeared on my report and who is responsible for reporting them.

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 2025-07-23 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:
Under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), consumer reporting agencies like Equifax and Experian are required to handle consumer information with fairness, impartiality, and respect for privacy. As a consumer, I have the legal right to control the use and disclosure of my personal and financial information.

Pursuant to 15 U.S. Code 6801 and 6802, financial institutions ( or furnishers of information ) must safeguard nonpublic personal information and may not share it with third partiesincluding credit bureauswithout providing the consumer a clear notice and the opportunity to opt out. I was never given such notice, nor did I give consent to share my information.

Under 15 U.S. Code 1681b ( 604 ), a consumer report may only be furnished with the written instructions of the consumer. I have not provided written consent to Equifax, Experian, or any furnisher of information. Any consent, past or presentwritten, implied, or verbalis hereby revoked.

Additionally, in cases of identity theft or fraud, the FCRA provides consumers with specific protections. Under 15 U.S. Code 1681c-1, consumers have the right to place a fraud alert or extended fraud alert on their credit files. Under 1681c-2, a consumer may request the blocking of information resulting from identity theft from their credit report. Once notified, a credit reporting agency must block such information within four business days and may not report it further unless there is proof it was accurate.

If any information on my credit report is the result of identity theft or fraudulent activity, reporting it violates my rights under these provisions. Failing to investigate and correct such reporting constitutes a direct violation of federal law. 

These actions represent a serious breach of my rights under the FCRA, including unauthorized access, inaccurate reporting, failure to notify, and mishandling of personal information linked to potential fraud or identity theft.

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 2025-07-23 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: IL

Complaint narrative:
Under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), consumer reporting agencies like Equifax and Experian are required to handle consumer information with fairness, impartiality, and respect for privacy. As a consumer, I have the legal right to control the use and disclosure of my personal and financial information.

Pursuant to 15 U.S. Code 6801 and 6802, financial institutions ( or furnishers of information ) must safeguard nonpublic personal information and may not share it with third partiesincluding credit bureauswithout providing the consumer a clear notice and the opportunity to opt out. I was never given such notice, nor did I give consent to share my information.

Under 15 U.S. Code 1681b ( 604 ), a consumer report may only be furnished with the written instructions of the consumer. I have not provided written consent to Equifax, Experian, or any furnisher of information. Any consent, past or presentwritten, implied, or verbalis hereby revoked.

Additionally, in cases of identity theft or fraud, the FCRA provides consumers with specific protections. Under 15 U.S. Code 1681c-1, consumers have the right to place a fraud alert or extended fraud alert on their credit files. Under 1681c-2, a consumer may request the blocking of information resulting from identity theft from their credit report. Once notified, a credit reporting agency must block such information within four business days and may not report it further unless there is proof it was accurate.

If any information on my credit report is the result of identity theft or fraudulent activity, reporting it violates my rights under these provisions. Failing to investigate and correct such reporting constitutes a direct violation of federal law. 

These actions represent a serious breach of my rights under the FCRA, including unauthorized access, inaccurate reporting, failure to notify, and mishandling of personal information linked to potential fraud or identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts are not mine and represent fraudulent activity. I request they be deleted from my credit report within 15 days pursuant to USC 1681g. Attached is the documentation confirming this.

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 2025-07-23 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: CA

Complaint narrative:
I am submitting this formal request for the immediate blocking of a fraudulent account appearing on my TransUnion credit file, pursuant to the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ). Under this law, TransUnion is legally obligated to block any information resulting from identity theft once proper documentation is provided.

The following account was fraudulently opened in my name without my knowledge or authorization : XXXX XXXX XXXX Opened on XX/XX/year> In compliance with FCRA 605B, I have included the following supporting documentation : A valid Police Report documenting the identity theft A copy of my government-issued photo ID and Social Security Number Proof of my current residential address These documents sufficiently verify my identity and support my claim. No further confirmation should be necessary.

Please be advised that I am not working with any third-party representative or credit repair company. This dispute and all attached materials were prepared and submitted directly by me, the consumer.

This is a valid case of identity theft, and I fully understand the legal nature and purpose of this request. I am exercising my rights under FCRA 605B and respectfully request that TransUnion permanently block the fraudulent account listed above from my credit file in full accordance with federal law.

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 2025-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We are a small medical clinic who had been using Chases merchant processing services. Over the past year, we experienced a serious issue with our Chase XXXX XXXX credit card terminal, which failed to finalize charges. We later learnedthrough Chasethat many transactions were only processed as pre-authorizations and were never settled. Chase acknowledged a malfunction and attempted to reprocess a batch of charges, totaling approximately {$8000.00}. They specifically had mentioned that the card terminal should have had a built-in feature that automatically settles the transactions if they are not being done manually, which did not work. 

However, we have confirmed ( based on our internal investigation and billing records ) that the total amount of charges that should have been settled amounts to {$20000.00} We have repeatedly asked Chase for a list of all transactions processed via the malfunctioning terminal, including which were successfully reprocessed, which failed, and why. Despite multiple requests, including escalations to supervisors, we have never been provided with any transaction logs or breakdown. Chase staff continue to say they can not generate that report, even though they processed some of the missing transactions. 

Adding to the problem, the delayed charges triggered chargebacks from patients who were unaware of these old transactions. As a result, we have lost most of the {$8000.00} that was reprocessed. Chase has offered no solution, no clarity, and no way for us to resolve the missing funds. 

We are seeking CFPB support in obtaining : A full transaction log for the affected Chase terminal Details of what was reprocessed and why the remaining transactions were not Support in resolving the substantial financial loss our clinic has suffered due to this breakdown in service

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One has withheld funds and arbitrarily rejected my valid identity verification. I submitted a government-issued ID and a current lease agreement showing my address. Despite this, they continue to withhold my funds, claiming ( without legal justification ) that I " could have moved. '' This violates the Fair Credit Reporting Act ( FCRA ), including their obligations under 1681s-2, 1681g, and 1681i to investigate and maintain accurate records.

Capital One has also failed to provide any written explanation for this adverse action and may be reporting inaccurate information to consumer reporting agencies in violation of XXXX XXXX XXXX  and XXXX standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> EquifaxXXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I recently reviewed a copy of my credit report from Equifax and I noticed inaccurate late payments listed on my file. Below are the accounts in question : XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Your agency is in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b Permissible purposes of consumer reports, which states : A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not provide written instructions to furnish or report these late payments. Furthermore, under 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ) Exclusions from consumer reports, it is stated : The term consumer report does not include ( i ) any report containing information solely as to transactions or experiences between the consumer and the person making the report.

As such, reporting these late payments without my explicit authorization violates both my rights and federal law.

I am demanding the immediate deletion of these late payments from my credit report. If your agency fails to correct and remove these inaccuracies within the legally required timeframe and provide me with a free, updated copy of my corrected report, I will pursue the following legal actions and claims : 1. Defamation of Character ( Per Se ) 2. Negligent Enablement of Identity Fraud 3. Violations of the Fair Debt Collection Practices Act 15 U.S.C. 1692g 4. Violations of the Fair Credit Reporting Act 15 U.S.C. 1681n ( Civil liability for willful noncompliance ) I am entitled to seek damages of up to {$1000.00} per violation under these statutes.

Please consider this a formal request under the FCRA to correct and delete the listed late payments. I expect confirmation in writing and a new, corrected credit report within 30 days of receipt of this letter.

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: CA

Complaint narrative:
I am submitting this complaint against TransUnion because they continue to report two inaccurate and highly damaging charge-off accounts from XXXX XXXX on my credit file. The first account, listed under XXXX XXXX with an account number ending in XXXX, shows a charge-off dated XX/XX/XXXX, for {$1100.00}. The second account, also with XXXX XXXX and ending in XXXX, is marked as a charge-off from XX/XX/XXXX, in the amount of {$2900.00}. I have previously disputed these entries with TransUnion, yet they have refused to investigate or properly verify the validity of the information being reported. Despite my direct challenges, TransUnion has allowed these items to remain on my credit file without demonstrating any attempt at a good faith reinvestigation, as required under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i.

The reporting of these charge-offs is inaccurate and misleading for several reasons. First, TransUnion has not produced any proof that these accounts were actually verified with original and complete documentation from XXXX XXXX, such as the original signed agreement, billing history, or written statements showing how the balances were calculated. Instead, they appear to be relying solely on unverified data furnished electronically, which does not satisfy the requirements for maximum possible accuracy under 15 U.S.C. 1681e ( b ). Additionally, I have reason to believe that my personal information may have been affected by a prior data breach, which could have compromised the accuracy of account reporting. These charge-offs were never properly validated, and the balances appear inflated and inconsistent with any documentation Ive received.

Due to the presence of these two derogatory entries, I have faced denials for credit applications, including being turned down for a personal loan that would have helped me consolidate other obligations. My interest rates on existing credit have increased because lenders interpret these charge-offs as a sign of high risk, even though the reporting itself is flawed. Beyond the financial impact, the emotional toll has been overwhelming. It's humiliating to be treated as financially irresponsible over accounts Ive disputed in good faith. It has made basic milestonessuch as refinancing my vehicle or securing a rentalsignificantly harder. Every time I apply for anything, Im forced to relive the anxiety of being judged unfairly based on misinformation that TransUnion has chosen to keep on record without justification.

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 2025-07-23 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you remove the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place, I also have no knowledge of any suspects. I did not consent to, authorize nor benefit from any of the following accounts. I also did not receive any money, goods, or services as a result of identity theft. Please investigate and remove all fraudulent inaccurate accounts as I have no knowledge of any of these accounts due to the XXXX  data breaches or Identity theft.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/2017, Balance : {$5500.00}

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 2025-07-23 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: GA

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5700.00} XXXXXXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5300.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00}

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 2025-07-23 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: IL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further 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 2025-07-23 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: SC

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: SC

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with non-monetary relief