vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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:
Please remove the following items from my credit report, immediately : Recently, I conducted a thorough review of my credit report and discovered several inaccuracies that I believe are the result of identity theft. It is critical that these erroneous items be deleted promptly in accordance with federal statutes. 
Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information on an individuals credit report. Furthermore, under 15 U.S. Code 1681i ( a ) ( 5 ), any disputed information that is found to be inaccurate, incomplete, or unverifiable must be promptly removed or modified by the agency as appropriate.

Specifically, 15 U.S. Code 1681c-2 regarding identity theft requires consumer reporting agencies, upon receipt of appropriate proof, to block the reporting of any information resulting from identity theft. It is my assertion that the information in question meets these criteria and must therefore be removed immediately. 
I request the deletion of the following items from my credit report without delay as they are inaccurate and unverifiable due to identity theft : IDENTITY THEFT INNCORRECT CREDIT ITEMS TRANSUNION : 1. Closed Account Name : XXXX XXXX XXXX Account # XXXX Balance : {$17000.00} XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX  original creditor : XXXX XXXX XXXX XXXX Account # XXXX {$170.00} XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Original creditor : XXXX Account # XXXXXXXX XXXX XXXX {$4100.00} XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX Original creditor : XXXX  XXXX XXXX Account # XXXX XXXX XXXX {$11000.00} XX/XX/XXXX Please take the necessary steps to ensure compliance with the above statutes and confirm that these items have been fully removed from my credit report.

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2025-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
My information was sold to the debt collection agency in 2019 for a credit card that I have opened almost five years prior. 

I disputed this on XXXX XXXX on XXXX  which seem to have worked But its still showing up on other accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I keep receiving phone calls from Portfolio Recovery but they never leave a voicemail. I havent received any letters, emails, etc from any merchant stating I owe a debt. I feel this is harassment as I am not aware of a debt owed to anyone that hasnt been paid on time or paid timely and XXXX  never leaves a voicemail nor have they contacted me via mail or email. I divorced XXXX XXXX XX/XX/year> and have nothing to do with him. I changed my name back to XXXX XXXX in XXXX  as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
I sent a letter to Chase Card Services on XX/XX/XXXX requesting documentation of any personal guarantee on this account. I called Chase to request this same information on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They have sent me account statements, but that is all. I filed a dispute with XXXX  regarding this, specifically requesting documentation about a personal guarantee, and XXXX  simply stated that the creditor claimed that the account was reported correctly without giving proof of anything. 

XXXX  and Chase Card Services both blatantly ignored an important credit dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-06-19 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: NY

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 XXXX 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
XXXX XXXX is reporting a {$1100.00} medical collection account on my credit report that I do not recognize. I never received any bills, phone calls, or letters from any medical provider or from XXXX prior to seeing this on my credit report. 

This account supposedly originated over XXXX years ago, yet this is the first time Im hearing about it. I have never agreed to any payment plan or acknowledged any debt with XXXX. I believe this is a case of either mistaken identity or unauthorized reporting. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I have the right to receive proper notification and validation of any debt prior to collection or credit reporting. Since no such documentation was ever provided, I am requesting that this account be removed from my credit report. 

I ask the CFPB to investigate this matter and hold AssetCare accountable for improperly reporting this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing to seek your assistance regarding a payment dispute that has arisen with my rental company, XXXX XXXX XXXX XXXX, and my bank, JP Morgan Chase & Co. 
On XX/XX/year>, I made a payment of {$1400.00} to XXXX XXXX XXXX XXXX for my XXXX rent. However, I later discovered that this amount had already been paid. Consequently, I contacted JP Morgan Chase & Co. to request a refund. On XX/XX/year>, they temporarily credited my account with the amount of {$1400.00}. 
Unfortunately, on XX/XX/year>, my account became overdrawn by {$700.00} due to JP Morgan Chase & Co. reversing the initial credit of {$1400.00}. I promptly reached out to Chase, where I was informed that the reversal was initiated by my rental company, and I was advised to contact them directly. 
I emailed XXXX XXXX XXXX XXXX on the same day, only to be told that they had not initiated any reversal and that I should follow up with my bank. I contacted Chase again on XX/XX/XXXX, and they requested that I provide proof via fax of my communication with the rental company, confirming that they did not authorize the withdrawal of {$1400.00} from my account. I promptly faxed screenshots of the email correspondence to Chase. 
Later that day, I called Chase to inquire about the next steps following the submission of my documents. I was informed that I should expect a review within 3-5 business days, after which I would receive my refund.

On XX/XX/year>, I received a call from Chase at XXXXXXXX XXXX, but I was unable to answer as I was at work. Upon returning the call, I was informed that my claim had been closed due to me not answering the call. This frustrated me because Chase did not ask what was the best method of of communication and time to contact me. The next day they told me my case was reopened because I provided the information that was needed and they would reach out to me in 3-5 business days. However, on my Chase account app it says that the claim is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: VA

Complaint narrative:
I am writing to formally request a reinvestigation regarding inaccurate negative information that continues to appear on my credit report, which has not been adequately addressed in previous investigations by Equifax, Experian, and TransUnion. Despite my efforts to dispute these inaccuracies, the items remain unresolved, and I believe they have not undergone a thorough review as required. 

The presence of these inaccuracies has significantly impacted my credit score, limiting my access to credit and creating unnecessary financial stress. I am simply seeking an accurate representation of my credit profile, as I believe the errors are unjustly affecting me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: NH

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. I am filing this FTC Identity Theft Affidavit to report six fraudulent account ( s ) appearing on my consumer FICO Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$110.00}, an auto loan account opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$16000.00}, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$50.00}, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$1700.00}, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$2900.00}, and a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$110.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX and XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-06-19 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: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate and fraudulent information that appears on my Equifax credit report, which I believe is the result of identity theft stemming from the 2017 Equifax data breach.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i and 1681c-2, I am exercising my right to dispute items I did not authorize and request their immediate removal or correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: MO

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-06-19 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: NY

Complaint narrative:
b'Personal information incorrect.\nPlease see attached!'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
b'Personal information incorrect.\nPlease see attached!'

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 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: OH

Complaint narrative:
Account # XXXX. I noticed you are preparing and reporting a false consumer report about me which defames my character and general reputation to extort money from me. I do not recall giving you my written permission and consent. If i did such thing may you please provide me with it immediately Also, it is an inconvenience to me when your company contacts me, or communicates with me through any medium other than the CFPB. I refuse to pay this alleged debt!! Please CEASE & DESIST all further communications with me, my family, my friends and employers; relating to anything in regards to me. IF you wish to communicate with me and me only please do so ONLY through the CFPB. I am aware that the documents you are going to provide is NOT verification of the alleged debt. verification of a debt is not an account statement or any of the documents you are going to provide. If you wish to validate the alleged debt I would like to see the actual accounting ledger which shows the source of funds being loaned out. A XXXX XXXX XXXX XXXX AND a binding contract between IC SYSTEMS & I. If your company can not provide this, then the debt can not be validated and you are legally required to delete the accounts from my consumer report. Also, could you please show me where a contract says that I agreed for non public personal information and/or transactions to be furnished on my consumer report? I would also like to see that you guys provided me with an option to Opt-out from such reporting. delete the account from my consumer report because it is false misleading inaccurate and is defaming my character and reputation causing me not to be able to obtain future credit and housing because of such false reporting. Your company actions are unfair to me and deceptive... if you can not show the required verification, you are legally required to delete the account from my consumer report. I am only giving your company XXXX  DAYS to complete such request. notice is considered given upon receipt of this email. please provide me with all the above documents/information I asked for so that I am able to verify that the debt is accurate, if you can not provide such please delete the accounts from my consumer reports immediately. I also would like to see that i gave you my permission/consent in your initial communication with me ( because you do not have the initial communication as required by law ) that you were able to prepare a report of my consumer character and report on my consumer credit report. If you can not provide the same then you are in violation of the FDCPA and are liable to me for my harm and actual and statutory damages. in the event that we can not come to an agreement, I will pursue this matter with arbitration or counsel.

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 2025-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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