vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 XXXX XXXX XXXXXX/XX/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 2025-10-29 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: TX

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc .

regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc .

continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-10-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
In XXXXXXXX XXXX XXXX I made a Purchase on XXXX the total purchase amount on the purchase was {$4400.00} XXXX recommended that i make the purchase on a credit card and offered an incentive of 0 % APR over 12 months. the caveat was that it needed to be spread evenly over 12 equal monthly payments. This was only for qualifying purchases. I made the payment and applied for the credit card only under that condition. My card was mailed to the wrong address and then Chase.com ( the credit card company that XXXX uses ) contacted me saying they noticed fraud on my account, and they canceled my card and refunded me for the fraud. I then started noticing interest on my monthly statements at Chase.com. I contacted Chase and told them that it should have been 0 % interest for 12 months. they told me they don't offer that incentive and that is only an incentive through XXXX. I contacted XXXX and they said to contact Chase. I contacted Chase again and they said they would send this information to their marketing team. I received a letter from the marketing team that states " Please specify the amount of transaction and the date it was made, so that would help assist you further. '' I contacted chase again and gave them the amount of the purchase {$4400.00}. The supervisor of the Card Servicing Escalation team XXXX at Chase told me that he could not see that payment and, on his end, it was broken down into smaller payments. The problem is XXXX breaks payments down by deliveries and Chase breaks them down by vendors. the payments never line up and both companies say its the other companys responsibility to handle. Neither company can even give me an answer on what payments even qualify for 0 % interest and Chase wont even let me provide the information to the marketing team for them to further assist me. I also asked that they just honor the 0 % interest for 12 months so that I can make the payments. This purchase was furniture to furnish my home and any other company that I would have chosen offers 0 % APR options for these products, including XXXX. I stated multiple times that I would not have activated a credit card to pay for these items at 30 % interest when I already have multiple credit cards. there was no other reason why I would have made this decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: LEXISNEXIS
State: VA

Complaint narrative:
Pursuant to XXXX XXXX code XXXX ( XXXX ). A consumer reporting agency XXXX only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a XXXX '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to XXXX XXXX XXXX ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: VA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX # XXXX XX/XX/year> -- {$320.00}

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 explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I just need an accurate credit report so that I can figure out what and how I can improve my score

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 2025-10-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
Asked for account info so I could call debt company, no responce

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 2025-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I am writing to dispute an inaccurate 30-day late payment reported by Ally Auto for XX/XX/year>. This reporting is incorrect and resulted from an administrative error by Ally Auto, not from any failure to make payment on my part. 
On XX/XX/year>, I contacted Ally Auto to request a two-month payment deferral. I was informed that my request was approved pending payment of a deferral fee of {$250.00} by XX/XX/year>. I paid this fee on XX/XX/year>, in full compliance with the terms of the deferral agreement. 
However, Ally Auto misapplied my deferral payment to my XX/XX/year> payment instead of processing it correctly toward the approved deferral. When I called on XX/XX/year>, an Ally representative confirmed the misallocation, opened a ticket to correct the issue, and assured me that if a late payment appeared on my credit report, it would be reversed once corrected. 
I made multiple follow-up calls : XX/XX/year> : I was told the correction ticket was still pending. 
XX/XX/year> : I spoke with XXXX XXXX, who stated that I should reapply and pay another deferral fee. I explained that the mistake was Ally Autos and requested a supervisor. XXXX XXXX refused to answer further questions and ended the call abruptly. 
Subsequent agents confirmed there was nothing they could do and advised me to dispute the matter with the credit bureaus directly.

The 30-day late entry for XX/XX/year> is inaccurate because : I was approved for a deferral before any delinquency occurred. 
I paid the required deferral fee on time. 
Ally Autos internal error caused the misallocation of my funds and the false delinquency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: NH

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 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 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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 2025-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Im reaching out to dispute incorrect information on my credit report and request that the necessary updates be made in accordance with the Fair Credit Reporting Act ( FCRA ). Ive learned that, as of XX/XX/year>, credit bureaus, including TransUnion, have been involved in a lawsuit with the Consumer Financial Protection Bureau ( CFPB ), raising concerns about the accuracy of the data maintained by these bureaus. This lawsuit points to issues with sham investigations that have affected my own credit report. XXXX such issue is an account ( XXXX XXXX XXXX XXXX XXXX XXXX ) that was mistakenly verified by TransUnion and continues to appear on my report, even though it was previously deleted. Ive already sought legal counsel to clear my name from this erroneous charge-off that TransUnion has verified. When I received correspondence from TransUnion, I was told that the accounts I disputed were verified. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), Im requesting that TransUnion conduct a proper reinvestigation to determine whether this information is accurate, and I expect a clear explanation of how this information was verified, as required by 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ). I am frustrated with seeing the same result every time I update my credit report. This erroneous account continues to show up like a leech, even though it was deleted before. I cant understand why its been reinserted, and every time I ask how it was verified, I just get the same vague responses with no real clarification. This cycle of errors is frustrating and unacceptable, and its causing significant harm to my credit and reputation. Im prepared to take legal action against TransUnion under 15 USC 1681o for willful negligence in handling this matter. Ive already filed complaints with the XXXX XXXX XXXX XXXX Attorney Generals office, and I attempted to file a new FTC Identity Theft Report. But since the FTC system is currently shut down, Im attaching the FTC report I filed when I originally disputed this account.

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 2025-10-29 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: Servicer under contract with Federal Student Aid
State: LA

Complaint narrative:
A student loan was fraudulently taken out in my name using my ssn and address. The loan was taken by federal government student aid. XXXX is the owner of the loan. The loan is listed on all my credit reports and the loan is 82 days past due because I did not take out this loan and I did not know it existed until XXXX XXXX. From what I have found the loans were processed on XX/XX/year> and XX/XX/year>. The total amount is {$4700.00} but has now has acquired interest and late fees. I have reported this to XXXX, filled and police report, locked my students profile so the fraud can not do anymore damage, and I have frozen my credit reports to prevent anything else.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: IN

Complaint narrative:
On XX/XX/year> there was a new random debt from XXXX worth around XXXX dollars that I have had no awareness of, since then I have sent a debt validation letter that should've had them remove it and they still have not done anything, I sent it the XXXX of XXXX due to barely having funds to send it at any other date, making the likelihood of me going over XXXX dollars in debt idiotic considering my XXXX credit score in both other credit bureaus, since then I have sent multiple disputes through XXXX all of which were ignored, and the company attempting to collect the debt has also ignored me, SOURCE RECEIVABLES MNG, I have filed CFPB complaints to XXXX  and XXXX, this is the last one for SOURCE RECEIVABLES MNG.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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:
Kindly remove this inquiry from my credit report as I did not initiate it and have no relationship with the associated creditors. I request its immediate removal to ensure the accuracy of my credit information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc.
State: IN

Complaint narrative:
Im filing a complaint regarding a {$720.00} debt reported by Central Portfolio Control ( CPC ) thats connected to my former apartment complex, XXXX Companies. This debt is being reported wrongfully. 

I broke my lease with XXXX Companies, but before I even turned in my keys, they disputed the rent charge for that month and confirmed in writing that I didnt owe rent for that period. Despite that, they later pushed this debt to collections with XXXX. 

I have bank statements showing the rent payment and the dispute credit reversal from my bank ( XXXX ). These clearly show that the transaction was investigated and reversed. Ive also attached a screenshot from XXXX XXXX showing that my dispute with XXXX  ( Dispute ID # XXXX ) was filed on XX/XX/2025, and marked approved and resolved on XX/XX/2025. 

Its now been 46 days since I filed that dispute, and the account is still stuck on my report showing account information disputed by consumer. Neither XXXX nor XXXX XXXX has provided me with any documentation or verification that proves the debt is valid. 

This entire situation has damaged my credit and caused unnecessary stress over something I should not owe in the first place. 

Thank you for reviewing my complaint and helping make sure this inaccurate collection gets resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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:
An FCRA violation occurs when the Fair Credit Reporting Act is breached by failing to report completely accurate information. Ive been negatively impacted by these violations and am seeking resolution through the deletion of the inaccurate accounts listed in my attached letter. I request their prompt 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