vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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: IL

Complaint narrative:
Summary of the Complaint : I am disputing inaccurate and misleading reporting of my XXXX XXXX XXXXXXXXXXXX XXXX XXXX  account ( Account # XXXX ) by XXXX  and TransUnion, which incorrectly list the account as negative despite being paid, closed, and with XXXX balance. 

XXXX  has correctly deleted the account ( status Deleted ), confirming that the negative status reported by XXXX  and TransUnion is erroneous and harmful. The payment history shows late payments ( 30, 60 days ) for XXXX  and XXXX  that are either inaccurate or unverifiable given that the account was closed due to inactivity and fully paid. 

Key Account Information : Creditor : XXXX XXXX XXXXXXXX Account Type : Credit Card ( Revolving ) Date Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion : XX/XX/XXXXXXXX  Date Closed : XXXX XXXX XXXX XXXX XXXX Not listed clearly TransUnion : XX/XX/XXXX High Balance : XXXX  : {$2000.00} XXXXTransUnion : {$2100.00} Status : XXXX  : Deleted XXXX  : Negative TransUnion : Negative Late Payments : XXXX and TransUnion show 30-day and 60-day late entries in XXXX, even though the account was closed and has XXXX balance. 

Violations and Legal Grounds : FCRA 15 U.S. Code 1681e ( b ) : Credit reporting agencies must ensure maximum possible accuracy.

Listing an account as negative when it is closed and fully paid is a direct violation.

FCRA 15 U.S. Code 1681i ( a ) : Upon dispute, CRAs must conduct a reasonable reinvestigation and remove unverifiable or inaccurate data within 30 days.

XXXX and TransUnion have failed to correct the account status even though XXXX  has removed it. 

FCRA 15 U.S. Code 1681s-2 ( b ) : Furnishers like XXXX XXXX XXXXXXXX must investigate and correct inaccurate information upon notice. Failure to do so after a consumer dispute constitutes a violation. 

Consumer harm : The negative and inaccurate late payment history on XXXX  and TransUnion unjustly damages my credit score, impacting my ability to obtain fair credit terms.

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 2025-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Today I will be complaining about the unorganized and messy attempts of Chases collection department to contact me. They often leave no messages which makes it hard for me to even believe it is actually Chase that is calling. The few times they have left a message they say they are calling to contact my mother. It is ridiculous to be getting called from a series of new numbers everyday in order to speak with someone other than myself. I have already complained about this to them a long time ago and I believed this issue was resolved. I do not under any circumstances answer phone calls that I do not know. So if you are ever attempting to contact me for something that has to do with me, leave a message. Otherwise, I will ignore these calls everytime. Chase has been a victim of criminals spoofing their numbers in the past so I do not trust discussing anything over the phone with them unless I myself called the number on my card. To my knowledge, they are calling me outside of working hours and on weekends from the same number that is verified by Chase, but leave no messages, emails, or paper mail. So as far as Im concerned it must not be important. Chases XXXX  from the executive office has already notified me over the phone and the office itself as well has, through a complaint response, that any debt associated with me I am not liable for and it is instead something that has to do with my joint owner, my mother. So if they are attempting to contact my mother, please do not contact me, ever. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: GA

Complaint narrative:
I am requesting the immediate deletion and permanent blocking of the following fraudulent hard inquiries and accounts, all of which have already been reported and documented as identity theft : Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Fraudulent Accounts : XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX  Account # : XXXX XXXXXXXX XXXX XXXX Account # : XXXX I have already submitted all legally required documents, including : Government-issued ID Social Security card Proof of current address FTC Identity Theft Report According to 15 U.S.C. 1681c2, you are required to block all identity theft-related information within 4 business days of receiving proper documentation. Continuing to report these items without verification constitutes willful noncompliance under the FCRA. 

Resolution Demanded : Permanent deletion of all accounts and inquiries listed above Blocking of all fraudulent identity theft-related data Updated copy of my credit report reflecting all deletions Written confirmation that these accounts and inquiries have been removed and blocked Failure to comply will result in formal complaints with the CFPB, FTC, XXXX and relevant State Attorneys General. Additionally, I will initiate legal action under FCRA 616 and 617, seeking statutory damages, legal fees, and actual damages. 

I expect full resolution and written confirmation within 15 business days of receipt of this notice. No exceptions.

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 2025-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Skrill USA, Inc.
State: FL

Complaint narrative:
Yes my name is XXXX XXXX I am having a problem with skrill.com asking me to verify my physical address twice just to use the redemption of {$100.00} from XXXXXXXX XXXX I don't know why they need to verify it twice when they already have my address and their data system. And if they already have my physical address in their system it does not take 24 hours to process the second one. I do not refer nobody to use skill no more.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
Ive sent several letters to this company proving this debt is mine. They are not submitting any proper documentation proving I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: NV

Complaint narrative:
Im writing to dispute inaccuracies on my credit report that fail to meet the standard of maximum possible accuracy under the Fair Credit Reporting Act. These errors continue to negatively impact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Checkr, Inc
State: TX

Complaint narrative:
Date : XX/XX/year> Subject : Formal Objection Checkr , Inc. Closed Case Without Resolution To Whom It May Concern, This is a formal objection to the way Checkr , Inc. handled my dispute. Despite receiving a valid, court-issued Texas occupational drivers licenselegally authorized under Texas Transportation Code 521.242521.250Checkr refused to accept it without any legal basis.

The license is active, unrestricted, and not provisional or suspended. I submitted the signed court order, and instead of properly reviewing it or correcting the issue, Checkr responded with a generic message and then closed the case without addressing any of the legal documentation I provided.

As a direct result of this misclassification, I have been denied access to employment platforms that rely on Checkrs system, including XXXX ( XXXX, XXXX ). I also issued formal legal notice to both parties, making it clear that continued refusal would result in regulatory complaints and legal action. 

Checkrs conduct has now directly interfered with my legal right to work and the loss of my drivers livense. This mishandling is not only negligent and discriminatory it may constitute a broader pattern of non compliance and consumer harm.

I have filed this complaint with the Consumer Financial Protection Bureau and will be initiating formal legal proceedings to recover damages, along with submitting a civil rights complaint to the Texas Workforce Commission.

I am formally requesting that the CFPB intervene in this matter and take appropriate enforcement action against Checkr , Inc. for misclassifying valid driver credentials and interfering with lawful employment access.

Checkr is now on notice. I will pursue all available legal remedies without further warning, including monetary damages, regulatory enforcement, and the creation of a permanent public record of misconduct.

I request that this case be reopened immediately and that Checkr be required to : Acknowledge the legal validity of my license under Texas law Correct any internal verification errors that are blocking access to work Provide a full written explanation for the improper closure of this case Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

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 2025-07-28 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: NY

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 I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: IN

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS 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 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 non-monetary relief
Consumer complaint received 2025-07-28 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TX XXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Date : [ Insert Todays Date ] Subject : URGENT Formal Dispute and Demand for Deletion of Inaccurate Account : XXXX XXXX ( {$32000.00}, Reported XX/XX/year> ) To Whom It May Concern, This letter serves as a final formal notice disputing the inaccurate and incomplete reporting of an account listed on my credit file as XXXX XXXXl, reported in the amount of {$32000.00} on XX/XX/year>. 
Despite multiple prior requests sent to your office requesting verification and documentation pursuant to FCRA Sections 609 ( a ) ( 1 ) and 611 ( a ), I have not received sufficient verification or proof validating the accuracy and legitimacy of this tradeline. Under FCRA 15 U.S.C. 1681i ( a ), you are obligated to conduct a reasonable reinvestigation within 30 days and delete or correct any inaccurate, unverifiable, or incomplete information.

Moreover, continued reporting of unverifiable information after repeated disputes constitutes willful noncompliance with your duties under FCRA Section 616 ( 15 U.S.C. 1681n ) and Section 617 ( 15 U.S.C. 1681o ). These sections clearly establish your liability for damages when credit reporting agencies negligently or willfully fail to comply with the law. If this issue is not resolved immediately, I will explore remedies under these statutes, including civil liability for actual, statutory, and punitive damages.

I demand that this unverified and erroneous tradeline be deleted from my credit file. Please provide written confirmation of the outcome of your reinvestigation and any supporting documents used to verify the debt. If you are unable to comply, this matter may be escalated to the Consumer Financial Protection Bureau ( CFPB ), Texas Attorney Generals Office, and additional legal avenues as necessary.

Enclosed : - Government-issued ID - Proof of current address ( utility bill ) - Highlighted copy of credit report showing the disputed entry Thank you for your prompt attention to this legal matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Tilt Finance, Inc.
State: MI

Complaint narrative:
I have a few saving accounts and ones purpose is to pull money whenever I get paid it hasnt done it most of the year I had a job now that I dont its pulling from my unemployment and not allowing me to access it I called the customer service and I chatted with the bot but nothing helped when I called they said I had a XXXX minute wait XXXX different occasions just not answer after XXXX I do have pictures of multiple transactions being taken out of my account and none available to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am requesting the following actions from TransUnion : Immediate reinvestigation and permanent deletion of the inaccurate late payment notations associated with the following accounts, unless TransUnion or the furnishers can provide documented proof that I was properly notified prior to the negative reporting : XXXX  XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX If no valid evidence of prior notice ( e.g., billing statements, letters, email reminders ) can be provided, TransUnion must remove the late payment ( s ) under FCRA 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ), and 1681i ( a ).

Provide written confirmation of the results of this reinvestigation and an updated copy of my credit report reflecting any corrections within 15 business days.

This request is a fair and legally supported resolution to ensure my credit report reflects only verified and accurate information, in full compliance with the Fair Credit Reporting Act.

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 2025-07-28 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
A known fraudulent company, XXXX, added two unauthorized charges of {$110.00} and {$190.00} in XXXX XXXX to my credit card. 

I've been contacting Apple Card every 2 months for 2 years to get the charges removed, but the charges keep returning to my account the next month. 

The iternal case number at Apple Card is now : XXXX XXXX XXXX XXXX XXXX XXXX Confirmation that XXXX is defrauding credit card users is very easy to find on XXXX and XXXX Reviews, where a XXXX other users have reported receiving fraudulent transactions from XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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:
I do not recognize these inquiries, and they seem unauthorized. I kindly request prompt action to resolve this issue. The attached documents provide further details.

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 2025-07-28 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: AZ

Complaint narrative:
Fraud accounts due to ID THEFT. Please block all fraud accounts. 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  Charges filed XXXX XXXX POLICE REPORT attached, FTC, social security and ID attached for verification thank you

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 2025-07-28 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: IL

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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