vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-03 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: RI

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of 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 2025-03-03 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: CA

Complaint narrative:
I have identified multiple items on my credit report that I do not recognize. It seems that my identity may have been stolen, as I never authorized these accounts. I previously raised this concern and am now requesting the immediate removal of these accounts from my report. The presence of these unauthorized accounts is causing me considerable distress, as they do not accurately represent my credit history or financial responsibility. Resolving this issue has been difficult, and if it remains unresolved, I am prepared to take legal action to protect my rights. These inaccuracies are severely affecting my ability to achieve important financial goals, such as buying a home and supporting my family. I urge you to address this matter promptly.

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 2025-03-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Regional Management Corporation
State: TX

Complaint narrative:
I applied for a loan @ Regional Finance. They changed the approved loan amount & terms 3 different times. This was supposed to be an unsecured loan. They wanted me to provide household items as collateral. I refused the loan. They sent me an adverse action saying I was denied due to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: NC

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year>

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 2025-03-03 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: NC

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year>

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 2025-03-03 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: GA

Complaint narrative:
Dear Federal Deposit Insurance Corporation, FDIC : XXXX XXXX XXXX, has allowed fraud to occur on XXXX XXXX XXXX  credit card, and are in violation of Fair Debt Reporting Act, as well as, Fair debt collection practices act ( 15 USC 1692, 1681 ). They are reporting their fraud onto my credit report ( all 3 credit bureaus ) and the 3 credit bureaus are refusing to delete or correct the inacurate credit reporting, in knowing, I have validated I DON'T OWE XXXX XXXX by giving them receipts of that fact.

Please assist with removing XXXX XXXX, XXXX XXXX, and XXXX off credit report , as NONE OF THEM HAVE VALIDATED THE DEBT ALLEGED. Please have their adverse reporting REMOVED OFF MY CREDIT REPORT. 

Sincerely, XXXX XXXX XXXX XXXX PHONE : XXXX EMAIL : 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 2025-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
This matter relates to a checking/savings acct. I opened with Chase over a year ago. My friend had written me a check and my new account was immediately but on freeze. My friend and I spent hours with the Chase Branch managers and multiple other employees to fix the matter and we were assured that it was all resolved. When I went to open up a savings account with XXXX XXXX in Illinois, I was denied and issued this XXXX XXXX XXXX XXXX Letter. I then contacted the branch manager who had assured me that this matter had been resolved and he was not able to help me at all. He kept telling me to " call the back office '' which I did but they never answered. When they called me, left a voice mail, I would call them back at the number they gave and the recording would say, " not taking messages/voicemail is full. '' Very frustrating. When I finally spoke with a supposed supervisor at Chase -- somewhere overseas, she was extremely rude to me and said there was nothing they could do to clear this up. My financial counselor who works for XXXX XXXX told me that Chase, XXXX, and XXXX XXXX are all owned by the same entity and that I should immediately file a CFPB report. I was not able to do so sooner because my mother recently passed away and I have been very distracted. But I would like this matter cleared up and for Chase and XXXX XXXX and XXXX to be held accountable and for my name to be cleared from this pernicious and inaccurate, wrongful reporting. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: MA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-03-03 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:
Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : XXXX XXXX open XXXX {$650.00}, XXXX XXXX open XXXX {$1000.00} Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.

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 2025-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC
State: IN

Complaint narrative:
I am writing to formally file a complaint regarding an issue with my Zelle account linked to my XXXX XXXX  account. On XX/XX/year>, I received an email from XXXX XXXX  stating that I could no longer use Zelle. I immediately contacted XXXX XXXX  for clarification, but I was given conflicting information and no resolution. 

XXXX XXXX  informed me that I needed to contact Zelle directly, as it is a third-party application. However, when I reached out to Zelle, they stated that it was my bank, XXXX, that had made the decision to restrict my access. In an attempt to resolve the issue, I visited a XXXX branch in person, only to be told once again that Zelle was responsible for the restriction. 

I have been caught in a frustrating cycle between XXXX XXXX  and Zelle, with neither party taking responsibility or providing a clear resolution. I would like to understand why my Zelle access was revoked and whether any corrective action can be taken.

I kindly request the CFPBs assistance in investigating this matter and ensuring that financial institutions provide consumers with clear and consistent information regarding account restrictions. Please let me know if you require any further details or documentation.

Thank you for your time and assistance. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: EQUIFAX, INC.
State: NC

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am sending this complaint to address discrepancies in my credit report and seek a fair solution. I respectfully request that credit bureaus ensure my personal identifying information is accurate, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any incorrect, outdated, or unverified information should be promptly corrected or removed to reflect the truth. 

XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX Balance Owed : {$85.00} XXXX XXXX XXXXXXXX Balance Owed : {$150.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX  XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX, KY XXXX XXXXXXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance Owed : {$6300.00} In line with the Fair Credit Reporting Act ( FCRA ), I ask for a comprehensive review and reinvestigation of any disputed items. If an item can not be verified with concrete evidence, I request its immediate deletion to prevent inaccurate reporting from affecting my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: PA

Complaint narrative:
I am sending this complaint to address discrepancies in my credit report and seek a fair solution. I respectfully request that credit bureaus ensure my personal identifying information is accurate, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any incorrect, outdated, or unverified information should be promptly corrected or removed to reflect the truth. 

XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX Balance Owed : {$85.00} XXXX XXXX XXXXXXXX Balance Owed : {$150.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX  XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX, KY XXXX XXXXXXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance Owed : {$6300.00} In line with the Fair Credit Reporting Act ( FCRA ), I ask for a comprehensive review and reinvestigation of any disputed items. If an item can not be verified with concrete evidence, I request its immediate deletion to prevent inaccurate reporting from affecting my credit standing.

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 2025-03-03 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I am writing to formally dispute several inaccuracies in my ChexSystems report. After carefully reviewing the report, I have identied the following errors that require correction : Incorrect Account Information : XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$470.00} Date of Closure : XX/XX/XXXXXXXX XXXX XXXX XXXX Account XXXX : XXXX Amount : {$3000.00} Date of Closure : XX/XX/XXXX Explanation : The accounts listed above do not belong to me. The inclusion of these accounts appears to be a result of mistaken identity or a data entry error. I respectfully request that you remove these accounts from my ChexSystems report immediately. 
Outdated Information : XXXX XXXX XXXXXXXX Account XXXX : XXXX Date of Closure : XX/XX/XXXX Explanation : Although this account was closed on the listed date, my ChexSystems report incorrectly shows that it is still open. I request that the status of this account be updated to reect its accurate closure. 
Incorrect Negative Event : XXXX XXXX XXXXXXXX Account XXXX : XXXX Date of Closure : XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX Amount : {$470.00} Date of Closure : XX/XX/XXXX Explanation : The negative events associated with the accounts above are incorrect and do not pertain to me or any accounts associated with my name. These entries appear to be the result of a clerical error or mistaken identity. I request that these erroneous negative events be immediately removed from my ChexSystems report. 
Enclosed with this letter, you will nd supporting documentation for my dispute. 
My Identifying Information : Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number ( last XXXX digits ) : XXXX ChexSystems Report Request Reference Number : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX Phone Number : XXXX I kindly request that you investigate these discrepancies promptly and ensure that the affected accounts are blocked and deleted from your records, as required by law. Additionally, I would appreciate written conrmation once these corrections have been made. 
Should you require any further information or documentation to assist in processing my dispute, please feel free to contact me at the phone number or email address provided above. 
Thank you for your immediate attention to this matter. 
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 explanation
Consumer complaint received 2025-03-03 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: TX

Complaint narrative:
I am writing to formally address the ongoing issue regarding Incorrect personal information on my credit report. Despite multiple attempts to dispute these fraudulent information with Transunion, my requests have been disregarded.

These addresses and information was placed on my credit report from accounts that was fraudulently placed on to my consumer report. 


Incorrect Name - XXXX, XXXX, I INCORRECT EMPLOYER - 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 2025-03-03 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: NC

Complaint narrative:
I am a victim of a data breach and identity theft. Kindly block and delete the account within 4 business day
s XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have identified multiple unfamiliar items on my credit report, indicating that my identity may have been compromised. I never authorized these accounts and have previously reported this issue. I am now formally requesting their immediate removal. These unauthorized accounts are causing significant distress, as they misrepresent my credit history and financial responsibility. Resolving this matter has been difficult, and if it remains unaddressed, I am prepared to take legal action to protect my rights. These inaccuracies are severely affecting my ability to achieve key financial goals, such as purchasing a home and supporting my family. I urge you to address this issue without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I viewed my credit report a few days ago I would say about XX/XX/XXXX. It is XX/XX/XXXX. When I viewed my report I see that there is a company XXXX in collections. I am not aware of this account it says it was opened in XXXX. I also seen that it said on record until XX/XX/XXXX. I have an account that says on record until XX/XX/XXXX as well which says XXXX which I am aware of. I currently own my home and trying to make good of my credit so I do not need Experian to be providing false information about this XXXX account. The account said on record until XX/XX/XXXX. I checked today XX/XX/XXXX and it says it is still on there. Why is it still on there?

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