vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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. 

DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXX  - Date Opened XX/XX/XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 2025-07-18 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:
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 - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$12000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to formally dispute a collection account that has been inaccurately reported on my Equifax credit report and request a thorough investigation into this matter. 
The account in question is listed under the name XXXX XXXX XXXX, with an open date of XX/XX/scrub> 2023. This collection account appears on my Equifax credit report, but upon reviewing both my Equifax and XXXX credit reports, I have found inconsistencies and a lack of proper validation. 
I am requesting that the Consumer Financial Protection Bureau review this collection for the following reasons : XXXX. Inaccurate Reporting : The account does not belong to me, or has been inaccurately reported. I have no verified documentation or prior communication validating the debt. 
XXXX. Lack of Validation : I have not received any proof of debt from the collector, as required under the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX. Potential Violation of FCRA : The continued reporting of unverified or inaccurate information may be a violation of the Fair Credit Reporting Act ( FCRA ). 
Attached are relevant screenshots and documentation of the report from Equifax showing the disputed entry. 
Please confirm receipt of this dispute and advise me on any further steps I need to take. 
Thank you for your time and assistance. 
Sincerely,

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 2025-07-18 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 did not open these fraudulent accounts and was unaware of their existence. Kindly delete them from my credit report within 15 days under USC 1681g. Supporting documentation is attached.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I payed off a card that was already closed it now shows XXXX  days late. It's impacting my credit. This is a big deal for me and very poor business by 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 monetary relief
Consumer complaint received 2025-07-18 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: VA

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 2025-07-18 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: LA

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 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 2025-07-18 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: TX

Complaint narrative:
Dear Credit Bureau, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681| ( 7 ).

Under Section 15 USC 16811 ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: GA

Complaint narrative:
The background company known as Checkr violated FCRA Laws by furnishing adverse consumer information to XXXX in XXXX XXXX XXXX XXXX XXXX XXXX that is older than XXXX XXXX XXXX. This adverse reporting violated prohibition of reporting. laws governed by the FCRA. I was denied an opportunity to contract with the Rideshare companies due to the company 's action. I reached out to the company to correct the data furnished upon get a notice on XXXX XXXX XXXX the company has not corrected it reporting of this data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, I was denied boarding on a connecting XXXX XXXX flight despite following the instructions of their staff. I paid a {$150.00} pet-in-carrier fee and purchased two seats, all of which were charged to my Chase checking account via debit card. 

The flight I was eventually placed on hours later ( XXXX ), after waiting for confirmation aside from the flight I originally paid for was delayed by over two hours, which qualifies for a refund under Uniteds policy. I never used the pet-in-carrier service, and a United staff member in XXXX XXXX KS assured me the {$150.00} pet-in-cabin fee would be refunded. United never issued that refund. 

I disputed the charges {$350.00}, {$350.00}, and {$150.00} due to services not rendered and a promised refund for the pet-in-carrier fee. Chase closed the dispute and allowed the charges to be rebilled, citing documentation from United.

I requested the documentation used to justify the rebill and was told it would be sent by mail ( 1015 days ). However, this appears to be the same documentation United submitted to XXXX XXXX. I asked Chase to reopen the dispute with all supporting documents submitted again, but I have not received confirmation or any follow-up from the dispute team. 

United failed to render the services I paid for and did not issue the refund they promised. Chase is not assisting in resolving this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-18 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: TN

Complaint narrative:
This letter serves as a formal dispute pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq ), specifically FCRA 611 ( a ), 609 ( a ) ( 1 ), and Metro 2 compliance procedures. I am demanding an immediate investigation and permanent deletion of the inaccurate, unverifiable, and materially misleading information listed below.

As a consumer impacted by the Equifax Data Breach, my records require heightened scrutiny and regulatory attention. The following accounts are in clear violation of federal law and industry-standard reporting protocols, and are being reported to your bureau in willful non-compliance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You are reporting conflicting balances ( {$0.00} vs. {$3900.00} ) and contradictory statuses ( Current vs. Collection or Charge-Off ), in direct violation of FCRA 1681e ( b ) and Metro 2 guidelines. No proper verification or original contractual documentation has been provided. This tradeline is factually inaccurate, misleading, and non-compliant, and must be permanently deleted. 

XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is an unverifiable collection account with no original contract or itemized billing history. Pursuant to FCRA 609 ( a ) ( 1 ), I hereby demand a full Method of Verification. This tradeline fails Metro 2 structural integrity and re-reporting accuracy requirements and must be deleted for lack of factual accuracy, completeness, and verifiability. 

XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account appears to be a duplicate collection with a matching balance and data structure to the previous entry. You are in violation of FCRA 1681i for failure to remove duplicative, outdated, or unverifiable information. This entry must be deleted immediately.

You are legally required to respond within 30 days of receipt of this dispute, in accordance with FCRA 611 ( a ). If you can not provide original documentationnot screenshots or internal system summariesto verify each account with factual accuracy and Metro 2 compliance, then you are required by law to permanently DELETE them. Simply updating the tradeline or marking it as disputed does not fulfill your legal obligation.

Failure to comply will result in immediate escalation to the Consumer Financial Protection Bureau ( CFPB ), the Attorney Generals Office, and civil litigation for willful non-compliance, negligent reporting, and statutory damages under FCRA 1681n and 1681o.

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 2025-07-18 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: TN

Complaint narrative:
This letter serves as a formal dispute pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq ), specifically FCRA 611 ( a ), 609 ( a ) ( 1 ), and Metro 2 compliance procedures. I am demanding an immediate investigation and permanent deletion of the inaccurate, unverifiable, and materially misleading information listed below.

As a consumer impacted by the Equifax Data Breach, my records require heightened scrutiny and regulatory attention. The following accounts are in clear violation of federal law and industry-standard reporting protocols, and are being reported to your bureau in willful non-compliance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You are reporting conflicting balances ( {$0.00} vs. {$3900.00} ) and contradictory statuses ( Current vs. Collection or Charge-Off ), in direct violation of FCRA 1681e ( b ) and Metro 2 guidelines. No proper verification or original contractual documentation has been provided. This tradeline is factually inaccurate, misleading, and non-compliant, and must be permanently deleted. 

XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is an unverifiable collection account with no original contract or itemized billing history. Pursuant to FCRA 609 ( a ) ( 1 ), I hereby demand a full Method of Verification. This tradeline fails Metro 2 structural integrity and re-reporting accuracy requirements and must be deleted for lack of factual accuracy, completeness, and verifiability. 

XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account appears to be a duplicate collection with a matching balance and data structure to the previous entry. You are in violation of FCRA 1681i for failure to remove duplicative, outdated, or unverifiable information. This entry must be deleted immediately.

You are legally required to respond within 30 days of receipt of this dispute, in accordance with FCRA 611 ( a ). If you can not provide original documentationnot screenshots or internal system summariesto verify each account with factual accuracy and Metro 2 compliance, then you are required by law to permanently DELETE them. Simply updating the tradeline or marking it as disputed does not fulfill your legal obligation.

Failure to comply will result in immediate escalation to the Consumer Financial Protection Bureau ( CFPB ), the Attorney Generals Office, and civil litigation for willful non-compliance, negligent reporting, and statutory damages under FCRA 1681n and 1681o.

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 2025-07-18 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: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XX/XX/XXXX Re : Identity Theft Dispute and Request for Investigation Pursuant to FCRA 605B To Whom It May Concern, I am writing to formally dispute and request removal of fraudulent and derogatory accounts that have appeared on my credit report due to identity theft. I am a confirmed victim of the XXXX Equifax Data Breach, which exposed the sensitive personal and financial data of over 140 million Americans, including myself. 
In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

1681c-2 ( Section 605B ), I am requesting that the following accounts be blocked from my TransUnion credit file as they are the result of identity theft : XXXX Accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX Total Fraudulent Amount : {$12000.00} XXXX. XXXX XXXX Account XXXX : XXXX Total Fraudulent Amount : {$650.00} XXXX. XXXX XXXX Account Number : XXXX Total Fraudulent Amount : {$470.00} Fraudulent Credit Inquiries : XXXX XXXX XXXX XXXX Attached is my signed Identity Theft Affidavit attesting to the fraudulent nature of these accounts. I have also included a copy of my government-issued ID and proof of residence. 
Please investigate this matter and block these accounts and inquiries from my credit report in accordance with FCRA 605B. I expect written confirmation once the accounts and inquiries have been removed or updated appropriately. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
The company this trying to sue me over a time barred debt that is over XXXX XXXX XXXX and I havent received anything from them I got the loan in 2017 and now they got some attorneys contracts me and calling my parents phone and wanting to send me a summit for court. I dont have any paperwork from them at all .only received phone calls about going to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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:
Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

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 2025-07-18 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: NY

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their 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
Consumer complaint received 2025-07-18 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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