vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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: MD

Complaint narrative:
Im writing to formally dispute inaccurate and unacceptable information that has appeared on my credit report. Whats currently being reported is simply wrong, and Im not going to let it stand unchallenged.

Specifically, the information in question is not only incorrectits misleading and damaging. I did not authorize it, I did not initiate it, and I should not be held accountable for something that does not belong on my record.

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXXStatement: I HAVE BEEN AFFECTED BY THE XXXX  XXXXBREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISEXXXXPROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCYXXXXSHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILEXXXXOF A CONSUMER THAT THE CONSUMER IDENTIFIES ASXXXXINFORMATION THAT RESULTED FROM AN ALLEGED IDENTITYXXXXTHEFT. PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MYXXXXCREDIT REPORT:XXXXXXXXplease see attached documents'

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 2025-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Phone : XXXXXXXX XXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX The current address for Equifax is : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute of Fraudulent Accounts Due to Identity Theft Dear Equifax Dispute Department, I am writing to formally dispute the inaccurate information reported under my name and Social Security number, which I believe is a result of identity theft following a recent data breach. I did not open or authorize the accounts, transactions, or inquiries listed in your records. 

I request the immediate removal and permanent blocking of this fraudulent information from your database. 

Enclosed with this letter, I have included a copy of my FTC Identity Theft Report, along with proof of my identity and current address, to support this dispute. 

* * Disputed Items : * * - Fraudulent accounts - Unauthorized transactions - Unauthorized inquiries - XXXX  XXXX Account : XXXX, opened XX/XX/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 XXXX XXXX  Account : XXXX, opened XX/XX/XXXX I affirm that I did not initiate or consent to any of the activities associated with the disputed information. Please investigate this matter promptly and update my credit report accordingly. 

- [ ] Under 15 U.S.C. 1681c-2 ( a ), you are legally required to block and delete all information resulting from identity theft within four ( 4 ) business days of receipt of this notice. 

Thank you for your immediate attention to this urgent matter. Please confirm receipt of this dispute and inform me of the results of your investigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I returned an item that was purchased using Chases XXXX XXXX XXXX plan. The refund of {$960.00} posted to my account on XX/XX/XXXX. Ive called Chase six times and was told on multiple occasions that the plan would be canceled after my XX/XX/XXXX or XX/XX/XXXX statement. Despite this, the plan is still active. 

Now Chase is telling me I have to manually pay off the plan, even though the refunded amount is sitting on my card. I should not be expected to pay out of pocket for an item I no longer own. Chase is failing to apply the refund to the XXXX XXXX XXXX plan, which violates their own policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-05-22 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
In XX/XX/, I contacted Honda Financial Services to request temporary payment assistance due to a financial hardship. I explained that I had lost my job a year prior and had no steady income at the time. I also want to note that I had been living in a shelter with my child while actively working to regain stability. 

Despite being upfront about my circumstances, the representative I spoke with was dismissive and showed no empathy. I asked whether any hardship options were available such as deferment, payment extensions, or reduced payments and was told, without consideration, that if I couldnt pay, my car would be repossessed. 

No alternative solutions were offered, no follow-up was made, and I wasnt given the opportunity to submit documentation of my situation. It felt like I was being threatened for simply trying to communicate and avoid default. 

I recently started a new job on XX/XX/, and have not yet received my first paycheck. I am doing everything I can to catch up on my car payments, but Hondas lack of flexibility and compassion made my hardship even harder to manage. 

Im submitting this complaint because I believe customers in verified hardship situations should be met with understanding and solutions not threats and disregard.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 non-monetary relief
Consumer complaint received 2025-05-22 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 non-monetary relief
Consumer complaint received 2025-05-22 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 check information concerning error of reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Credit Reporting and Request for Reinvestigation To Whom It May Concern : This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding the presence of inaccurate and potentially harmful information in my TransUnion credit report, as retrieved on XX/XX/XXXX. 

The following accounts are being disputed due to errors in reporting, incomplete information, or unverified derogatory marks : XXXX XXXX Account # : XXXX Showing a charged-off balance with no evidence of full and fair verification. 

XXXX XXXX Account # : XXXX Continues to display derogatory remarks despite payments and settlement communications. 

XXXX Account # : XXXX Incorrect balance/status and outdated reporting. 

TransUnion is obligated under 15 U.S.C. 1681e ( b ) to ensure the accuracy of consumer reports, and under 1681i ( a ), to conduct a reasonable reinvestigation once a dispute is initiated. The continued presence of unverified or inaccurate information may result in denial of credit, employment, or housing harms which Congress explicitly sought to prevent through the FCRA. 

I hereby demand that TransUnion : Initiate a thorough reinvestigation of the listed accounts ; Provide documentation of the results, specifying what was verified, corrected, or deleted ; Remove any data that is found to be inaccurate, incomplete, or can not be verified ; Provide a complimentary updated copy of my credit file. 

Should TransUnion fail to address this dispute lawfully, I will escalate the matter to the CFPB and other appropriate regulatory bodies and consider legal action as outlined under 15 U.S.C. 1681n and 1681o. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-05-22 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: CT

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: IN

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years 15 U.S.C 16816-2 ( A ) ( a ) 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. 

Delete the accounts below : XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX 2025

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 2025-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am writing in response to your communication dated [ insert date of first contact ], in which you allege that I owe a debt. This is a formal notice that I dispute the validity of this debt, as provided for by the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g ( a ). 

Under this law, I am requesting that you provide proper validation of the debt, including : The name and address of the original creditor ; The amount of the alleged debt ; A copy of the original contract or agreement bearing my signature, if applicable ; Proof that you are authorized to collect on this debt ; and A detailed accounting of how the amount you claim is owed was calculated. 

Please be advised that until you provide the requested validation, you are legally required to cease all collection activities, including phone calls, letters, or credit reporting related to this debt. 

If you are unable to verify the debt, you must stop all attempts to collect it and remove any negative information you may have reported to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions
State: NC

Complaint narrative:
Rent Recovery Solutions responded with only a brief account ledger and final statement from the apartment complex, but they did not provide any legally required documentation. I have not received a signed contract, itemized receipts for charges, or proof that they are legally collecting this debt. I also have reason to believe the company is not licensed to collect debt in the state of North Carolina, which may be a violation of state law. Despite this, they continue to pursue collection and may be furnishing this account to credit bureaus without proper authorization.

Company response to consumer: Closed with explanation