vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 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: PA

Complaint narrative:
Mutiple emails to CEO of XXXX, XXXX XXXX. Mutiple phones call to XXXX with hours of wait time. 
This is the last email I wrote to XXXX XXXX directly ( credit report was tatched to every email. I also supplied the information via my XXXX portal multiple times LAST EMAIL : Dear XXXX XXXX, Please see the attached credit report. This is my final attempt before retaining an attorney to ask you ameliorate the above immediately XXXX. XXXX continues to provide false credit reporting information to all three credit bureaus. XXXX reports my having almost XXXX XXXX dollars in loans. This goes against the FAIR CREDIT REPORTING ACT. I have gone above and beyond the reasonable expectation that XXXX will correct this immediately. 
You have the information attached for the third time. I have been denied credit as a result of the negligence on XXXX end. I have contacted you directly via email and through my XXXX portal. I have tried to get through via telephone. The wait times are unreal. Actually, your staff is not helpful. I do not even get to speak with someone. I have to hang up. XXXX reports this information, not XXXX. 

XXXX. I received a letter from XXXX back in XXXX. My loans are old. Your escalation team ensured my loans after the one-time iDR account adjustment would be forgiven. I wrote to the XXXXXXXX XXXX That letter generated the XX/XX/year> letter from XXXX. I was promised in writing by XXXX a full investigation and correction to my account. It is now XXXX of XXXX. I am almost XXXX years of age. 

XXXX is paid by taxpayers to service these loans. You have a fiduciary duty to complete your job. I am filing a complaint this evening due to the above. I am playing this in my portal. I will request XXXX to pay all legal fees related to my obtaining counsel as to the above matters. 

Sincerely, XXXX XXXX XXXX XXXX, XXXX, CT, PMH-C, XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA 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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Someone used my personal information to open an account, and this appeared as an inquiry on my credit report. I do not recognize it, and I demand that transition immediately remove this inquiry from my credit 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 explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-09-08 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: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-09-06 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:
These inaccurate accounts must be deleted within 15 days pursuant to USC 1681g.

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates
State: GA

Complaint narrative:
The constant phone calls from Credit Bureau XXXX, making robo automations filled up my voicemail! I find this very irritating and rude. I do not have a contract with them and I need them to remove the derogatory mark off of my XXXX  and XXXX  immediately. These harassment tactics are so unfair and against the Credit Consumer laws. Please let them know I am reporting them and to remove themselves off of my credit reports.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Theres a XXXX XXXX credit card with a balance of {$1400.00} on my Experian credit report I have provided both XXXX XXXX and Experian, the identity, theft report and police report and they continue to report negatively on my credit. I have suffered for years because of this, after providing them, everything that theyve asked for and demand letters for them to remove it, and they do not XXXX XXXX even informed me that they dont even have the valid incorrect drivers license on file. They also informed me that they wont remove it because theres payments made on the account even though they informed me that the account that the payments came from, were not associated to me.

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 2025-09-06 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: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 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 2025-09-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I do not owe this debt in the amount of {$3200.00} to ProCollect/ XXXX XXXX apartments. 
The date stated for this debt is XXXX of 2024

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Greetings, I am sending this complaint because I still believe there are still error on my credit file. I would like you to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. Please evaluate these accounts below : XXXX  XXXX XXXX Balance : {$260.00} XXXX  XXXX XXXX Balance : {$190.00}

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 2025-09-06 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: PA

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. I request an immediate and thorough reinvestigation of the following items to ensure compliance with federal law. XXXX XXXX ; XXXX  XXXX ; XXXX XXXXXXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX Balance XXXX ; XXXX XXXX Balance XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, I asked them to stop reporting my information Due to their Data breach each year, I previously disputed this account with the credit bureaus and it was deleted from my XXXX  report but XXXX  failed to perform an investigation and delete the disputed 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 2025-09-06 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: MN

Complaint narrative:
Part of the TransUnion data breach, would like my report cleared of any potential inaccuracies

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 2025-09-06 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 formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 
XXXX XXXXXXXX XXXX XXXX  Balance {$3300.00} XXXX XXXX Balance {$3300.00} XXXX XXXX XXXXXXXX XXXX {$7300.00}

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 non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX RADIUS GLOBAL SOLUTIONS XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  Dear RADIUS GLOBAL SOLUTIONS, Re : Cease and Desist Notification I am writing to formally demand that you cease and desist from [ describe the offending activity - e.g., " using my copyrighted material without permission, '' " engaging in harassment, '' " infringing on my trademark, I am not the owner of the unit. Your actions, specifically calling me weekly and sending out notices, constitute a violation of my rights. 

This letter serves as a formal notice that I require you to immediately stop the aforementioned activities. Failure to comply with this demand will result in further legal action, including potential lawsuits, in order to protect my rights. 

I expect to receive your written assurance by XX/XX/XXXX that you will adhere to my request. Please be advised that any continued infringement after this date will be met with appropriate legal actions. 

Thank you for your prompt attention to this matter. 

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 2025-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
Identity Breach, Report not accurate or mine. Debt not mine. Want it off my report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: TX

Complaint narrative:
I am extremely frustrated that inaccurate late payments are still appearing on my credit report this morning. I checked again, refreshed my browser, and they remain there. This needs to be fixed immediately, and I am demanding that the documents I provided be reviewed properly so I can finally stop worrying about this issue.

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 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I opened a Chase Freedom XXXX credit card in XX/XX/year>, which included a promotional offer of a {$200.00} sign-up bonus after spending {$500.00} in the first 3 months. 

During this period, I was unable to use my card at all due to a technical issue on Chases side. Every attempted purchase was declined, and no text alerts or verification messages were sent. From my perspective, the card simply did not work. 

When I finally had time to contact Chase support, I was told that my account had not been properly set up with required security questions. Until this was corrected by Chase after my phone call, my card could not be used for any transactions. By the time this was fixed, the 3-month spending period had expired. 

I raised this issue multiple times with Chase through Secure Message and phone support. My case was escalated, but Chase denied my request, stating only that I did not meet the spending requirement. They did not address the fact that I was prevented from meeting it due to a technical error beyond my control. 

I believe this is unfair treatment and a failure of Chase to provide adequate support. I reasonably expected to qualify for the sign-up bonus when I opened the account, but I was denied because of an internal system problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I filed a dispute with XXXX  regarding account number ending in XXXX XXXXXXXX. The account is reported by Midland Credit Management. The dispute results from XXXX, dated XX/XX/scrub> 2025, indicated that a field was modified but the account was not deleted. The report still shows a past-due balance and collection account status, which I believe is inaccurate. I previously disputed this account because I believe the reporting is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Since XX/XX/year>, my Chase account has been frozen without cause, withholding $ [ amount ] of my money. An investigation has already been completed, and XXXX Bankthe originating bank for the wirehas provided a formal letter confirming that the transaction is legitimate and directing Chase to release the funds. 

Despite this, my money remains inaccessible. This is causing me severe financial hardship. Chase has had ample time to verify the transaction and should not continue to withhold my funds in violation of both federal banking regulations and your own policies. 

I am requesting immediate release of my funds. I have already filed formal complaints with : The Consumer Financial Protection Bureau ( CFPB ) ( several times ) The Office of the Comptroller of the Currency ( OCC ) The Better Business Bureau ( several times ) The Federal Reserve The FTC My State 's Attorney General ( waiting on their response after contacting Chase ) My local police department No one is helping me get my money back. This has been a HUGE hardship for me as I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and need home repairs which all are put on hold because of this unfounded problem with Chase. 

XXXX Bank originally placed a return on the Wire to which Chase asked me if I wanted them to recall the money, to which I said no. Apparently this triggered Chase as fraud. On XX/XX/XXXX, XXXX sent a letter to Chase that they have withdrawn the recall and to release my funds to me. A week later, Chase has done nothing! 

My next step is to contact the media and then I will file a lawsuit in XXXX XXXX XXXX XXXX. I should not have to wait this long for MY MONEY when there was no fraud involved. This is an extremely unprofessional stance for Chase to take to cause their customers this hardship over an unfounded " fraud ''. 

Please treat this matter as urgent. I expect written confirmation from Chase that my funds are being released. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation