vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: PA

Complaint narrative:
Between XXXXXXXX XXXX XXXX and XXXX XXXX XXXX, a new account in collections was added to my credit report. The collection agency is PRO COLLECT. The original creditor was XXXXXXXX XXXX XXXX XXXX 

I have no contract with XXXXXXXX XXXX XXXX XXXX. I have never rented from or with them. I have never lived at XXXXXXXX XXXX XXXX XXXX NOR HAVE I BEEN CONTACTED ABOUT THIS ALLEGED DEBT OWED!! XXXXXXXX XXXX XXXX XXXX has posted false and harmful remarks on my credit profile and I demand for immediate removal of this collection. I demand a positive remark and this XXXX account to be disputed. XXXX XXXX XXXX XXXX has stolen and sold my personal information to PRO COLLECT. I DO NOT CONSENT TO 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 explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Absolute Resolutions Corp.
State: PA

Complaint narrative:
I was not provided proper validation of owing this company and request they remove this from my consumer report

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

Complaint narrative:
I have addresses on my credit report that dont belong to me, the following addresses are : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX I want these addresses removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have addresses on my credit report that dont belong to me, the following addresses are : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX I want these addresses removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Transunion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate CORRECTIVE ACTION TO REMOVE OR AMEND THE DISPUTED accounts, as Transunion 's inaction violates federal law and my right as a consumer.

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

Complaint narrative:
XXXX XXXX, Social Security NumberXXXX, Date of Birth : XXXX, Contents of Complaint : 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXXXXXX XXXX XXXXXXXX. Account XXXX XXXX date : XX/XX/year>. XXXX XXXX XXXX XXXXXXXX. Account XXXX, XXXX XXXX XXXX XXXX, Georgia. I do not recognize the aforementioned account as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.The aforementioned account, is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account 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 2025-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Fraud Wire/ACH XX/XX/year> XXXX EST Recieved email notification of Wire recipient added, Art by XXXX XXXX XXXX Truist Fraud at XXXX EST. Notified of fraudulent recipient added, assured by fraud account locked XXXX EST Went to XXXX XXXX XXXX XXXXXXXX Truist XXXXXXXX, XXXX Ga XXXX with XXXX XXXX XXXX XXXX, contacted fraud dept again by phone, assured by Truist account was locked. Moved all funds to new account XX/XX/year> Notified by Truist by email of recipient add to XXXX, XXXX by XXXX XXXX. Truist fraud notified by phone. Assured again that account was locked. 

XX/XX/year> Notified by email of over drawn funds in account XXXX, account had {$1.00} in since XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX payments totaling {$75000.00} transferred to Fraud recipient Art by XXXX XXXX. I do not have the actual dollar amounts for each of ACH and Wire because Truist deleted said records out of my account on XX/XX/year>. 

XXXX Bill Pay added to account for {$39000.00} to XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA I was not notified of this by email and deleted the recipient after reviewing the account. 

Truist was irresponsible with my account after fraud notification. They had 48 hours to block this transfer. Truist said they locked account on Monday and did 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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am XXXX XXXX XXXX XXXX, a veteran of the United States Military and a verified victim of identity theft. I am writing to issue this formal and final demand under the Fair Credit Reporting Act ( FCRA ) and federal law for the immediate deletion of all fraudulent, inaccurate, and unauthorized information from my consumer credit reports.our failure to maintain accurate information, investigate disputes, and prevent further harm violates the following federal statutes : 15 U.S.C. 1681b No Permissible Purpose You allowed access to my report without my consent. 

15 U.S.C. 1681e ( b ) Failure to Ensure Accuracy You reported false information that is damaging and incorrect.

15 U.S.C. 1681i Failure to Investigate You are required to reinvestigate any disputed items within 30 days. This is non-negotiable.

15 U.S.C. 1681n Willful Noncompliance Your continued reporting of incorrect data after notice is willful and exposes you to statutory, actual, and punitive damages.

15 U.S.C. 1681o Negligent Noncompliance Even negligent failure to correct this false data is grounds for civil liability.

15 U.S.C. 1681g Incomplete Disclosures You have not properly disclosed all data you are reporting on me.

FCRA 508 15 U.S.C. 1681v If you claim any of this information is being preserved for law enforcement or governmental use, you must disclose that in writing within 4 days, as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am XXXX XXXX XXXX XXXX, a veteran of the United States Military and a verified victim of identity theft. I am writing to issue this formal and final demand under the Fair Credit Reporting Act ( FCRA ) and federal law for the immediate deletion of all fraudulent, inaccurate, and unauthorized information from my consumer credit reports.our failure to maintain accurate information, investigate disputes, and prevent further harm violates the following federal statutes : 15 U.S.C. 1681b No Permissible Purpose You allowed access to my report without my consent. 

15 U.S.C. 1681e ( b ) Failure to Ensure Accuracy You reported false information that is damaging and incorrect.

15 U.S.C. 1681i Failure to Investigate You are required to reinvestigate any disputed items within 30 days. This is non-negotiable.

15 U.S.C. 1681n Willful Noncompliance Your continued reporting of incorrect data after notice is willful and exposes you to statutory, actual, and punitive damages.

15 U.S.C. 1681o Negligent Noncompliance Even negligent failure to correct this false data is grounds for civil liability.

15 U.S.C. 1681g Incomplete Disclosures You have not properly disclosed all data you are reporting on me.

FCRA 508 15 U.S.C. 1681v If you claim any of this information is being preserved for law enforcement or governmental use, you must disclose that in writing within 4 days, as required by 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 explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) 611, I am requesting an immediate investigation into this account. If the creditor or data furnisher is unable to provide accurate, verifiable information including terms of repayment, chain of ownership, and amount details, the account must be removed from all credit reports where it is listed. 

I am disputing the accuracy and completeness of the account terms reported. Specifically : The repayment terms of the account are marked as -, which is incomplete and misleading. This absence of information misrepresents the nature of the agreement and negatively affects the interpretation of my credit file. 
I have never received documentation outlining the full original repayment schedule or updated terms. I attempted to obtain this information by contacting XXXX XXXX in XXXX, XXXX  ] but received no formal breakdown of the account structure. 
The account was reportedly sold to XXXX XXXX XXXX, but I have never been notified of this sale, nor have I received validation of this transfer. This raises additional questions about chain of custody and legal responsibility for the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Against Chase Bank Regarding Discrimination and Denial of Credit Date : XX/XX/year> Re : Reference Number XXXX I am writing to formally lodge a complaint against Chase Bank regarding their discriminatory practices related to my creditworthiness as a depositor. This complaint addresses the obscene language used by Chase Bank in their communications, the unjust denial of my consumer credit application, and their failure to provide sufficient evidence justifying this denial. 

Background On XX/XX/year>, I submitted a letter to the CEO of Chase Bank requesting authenticated records that justify the denial of my request for a consumer credit product. Despite my request, I have not received any acknowledgment or evidence from the CEO. This lack of response is unacceptable and raises concerns about the banks compliance with federal regulations.

Allegations Discriminatory Language : The language used by Chase Bank in their communication regarding my creditworthiness was not only inappropriate but also discriminatory. Such language undermines my rights as a consumer and depositor.

Denial of Credit Application : My completed application instrument, which includes valuable collateral via my XXXX card and notes offer, was unjustly denied without proper justification. Under the Federal Reserve Act ( 12 USC 412 ), this application should be considered security collateral.

Violation of Consumer Rights : As defined under the Electronic Fund Transfer Act ( EFTA ) and Equal Credit Opportunity Act ( ECOA ), I am entitled to fair treatment regarding my consumer credit rights. The assessment and valuation of my consumer assets were conducted improperly. 
Lack of Evidence : The bank has failed to provide sufficient evidence under penalty of perjury for the allegations made against me that led to the denial of my request for a consumer credit product. 
Negative Impact on Credit Report : The inquiries made by Chase Bank have negatively impacted my credit score, which is a violation of 15 U.S. Code 1611 and 15 USC 1.

Request for Relief In light of these issues, I am requesting : Reasonable compensation in the amount of {$100000.00}.

Equitable relief including retraction of my security.

Removal of negative inquiries impacting my credit from consumer reporting agencies.

A formal acknowledgment from Chase Bank within 20 days addressing these concerns. 

Conclusion I urge the CFPB to investigate this matter thoroughly and take appropriate action against Chase Bank for their discriminatory practices and failure to comply with federal regulations regarding consumer credit rights. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXX creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Florida XXXX

Company response to consumer: Closed with explanation