vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 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: NJ

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

I also request that my credit profile be updated with the accurate information : Full Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report. 
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 2025-04-04 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I opened an account in late XXXX to buy and sell crypto. In mid XXXX my account was hacked. My password was changed XXXX DOZEN times. I have now changed my login to biometric fingerprint. Robinhood placed a hold/restriction on my account. They have now removed it. The hacker purchased XXXX without my consent. The bank account on file had no money it so my account went into the negative. Robinhood has refused to remove the negative balance incurred by fraud. They are more concerned about confirming my identity on the phone and over email. They keep using the term " escalation '' to try to make me feel better. But they give no definition or time expectancy on next steps. They also said their main customer service department doesn't talk to their fraud department. I feel this is violation of feral law. I have reported them to XXXX. I want my money back and compensation for the time I've spent arguing with them, as well emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against Improper Collection Activity XXXX XXXX XXXX/ IQ Data XXXX To Whom It May Concern, I am filing this complaint regarding unlawful and unverified collection activity initiated by IQ Data XXXX on behalf of my former landlordXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Although this alleged debt has not yet been reported to my credit file, I received unsolicited phone calls from a third-party collector regarding a balance I was never properly billed for, and I am now taking proactive steps to dispute this matter and prevent further damage or escalation. 

From day XXXX of my lease at XXXX XXXX XXXX, I reported unsafe and uninhabitable conditions, including : Persistent flooding that damaged my personal property Loud, uncontrolled disturbances from a neighboring tenant Pest infestations and faulty equipment ( sprinkler leaks, etc. ) Denied requests to transfer to another unit despite available apartments Ignored complaints and requests for help from management Contacting law enforcement at XXXX point due to the noise and stress XXXX stress affecting my health, while also attending counseling related to previous personal trauma Eventually, XXXX XXXX filed for eviction, but after I provided photo documentation, timelines, and supporting facts, the case was dropped. No judgment was entered. 

However, despite this, I : Never received a XXXX written notice of any balance owed Never received an itemized list of charges as required by Florida Statute XXXX ( XXXX ) Never authorized the release of my private information to IQ Data XXXX Was contacted via phone onlyno formal letter, no verification of debt If XXXX XXXX XXXXXXXX canceled or wrote off this debt, I also request confirmation of whether an IRS Form XXXX was filed with the IRS. 

I am requesting the CFPB to : Investigate IQ Data XXXX for collecting without proper validation or authorization Investigate Central Park Apartments for unlawful handling of tenant exit procedures Prevent this alleged debt from ever being reported to the credit bureaus Require confirmation of any XXXX issuance or cancellation of the debt This has caused me considerable distress, especially given my documented efforts to resolve the matter directly. I am prepared to provide photos, court documents, and all prior communications to support my case. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: VA

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by TRANSUNION, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency TRANSUNION, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY.

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud.

I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly.

Thank you for your prompt attention to this matter. 

ACCOUNT : 1. XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXXXXXX 3. XXXX XXXX XXXXXXXX 4. XXXX XXXX XXXXXXXX XXXX 5. 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 2025-04-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IN

Complaint narrative:
I leased a new XXXX XXXX XXXX. about XXXX months before my lease ended, I turned the vehicle in due to getting Military Orders to XXXX XXXX XXXX. For some reason someone messed up and the lease is still on my credit report. I have attached a copy of my military orders showing proof on section XXXX my XXXX of XXXX XX/XX/XXXX. This is the latest date I can show up to XXXX so the vehicle was turned in prior to this date. 

I've disputed on XXXX separate occasions on my credit report to get it removed. Both times I was told my dispute was successful both times but the report and the credit hit is still there. 

I have also contacted XXXX at the following numbers ; XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of 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 explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My partner and I planned a trip to XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, including a backpacking tour through XXXX and visits to multiple cities in XXXX. Tragically, her mother passed away about a week before our departure, forcing us to cancel the trip. 

I had prepaid for my airline tickets and tour operator bookings using my Chase Sapphire Preferred credit card. Under the Trip Cancellation Insurance benefit outlined in the Chase Sapphire Guide to Benefits, I believe I should be reimbursed for these expenses. Specifically, the guide states that the benefit provides reimbursement for eligible travel expenses charged to the card if the cancellation is due to a loss of life of an Immediate Family Member of You or Your Traveling Companion. 

The guide defines a Traveling Companion as an individual who has made advanced arrangements with You to travel together for all or part of the Trip. My partner meets this definition, as we planned the trip together, had shared tour and lodging bookings, and coordinated our flights. I provided Chase with evidence of these arrangements, including flight confirmations, receipts, and text messages. 

Despite this, Chase denied my claim, stating only : Per the Guide to Benefits, the traveler who experienced the loss is not a covered traveler. While it is true that my partner is not a Chase cardholder, this should not matter. I am the cardholder who paid for my own travel costs with the Sapphire Preferred card which makes me an Eligible Traveler and I had a Traveling Companion whose Immediate Family Member passed away, as explicitly covered in the terms. 

I appealed the decision and clarified the logic above, but Chase denied my appeal without citing any specific language from the Guide to Benefits. Multiple Chase representatives declined to explain the reasoning behind the denial or identify any specific terms that disqualified me. 

To be clear, I am not requesting reimbursement for my partners travel expenses ; I am only seeking reimbursement for my own prepaid expenses, charged to my Sapphire Preferred card, under clearly stated terms of the benefit. 

Additionally, I have a separate unresolved claim related to this same trip. I used my Chase Freedom Unlimited card to pay a {$1500.00} tour operator fee. Chase advertises that Freedom Unlimited cardholders receive Trip Cancellation and Interruption Insurance of up to {$1500.00} per covered traveler. I submitted a claim in XXXX, but despite sending all required documentation ( including some items multiple times ), Chase has still not resolved or ruled on the claim after more than three months. 

I am filing this complaint because I believe Chase has failed to honor the terms of its advertised travel insurance protection and has not provided transparent or timely customer service in addressing my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account ending in XXXX, XXXX and XXXX that are inaccurate and not properly verified as well as negative accounts ending in XXXX, XXXX. I have disputed this directly with the credit bureaus and the furnishers but the late payments remain without proper validation or documentation. Under 15 USC 1681S2A furnishers must report accurate information. Under 15 US1681 I, the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence for the negative 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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account ending in XXXX, XXXX and XXXX that are inaccurate and not properly verified as well as negative accounts ending in XXXX, XXXX. I have disputed this directly with the credit bureaus and the furnishers but the late payments remain without proper validation or documentation. Under 15 USC 1681S2A furnishers must report accurate information. Under 15 US1681 I, the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence for the negative 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 non-monetary relief
Consumer complaint received 2025-04-04 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 want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: GA

Complaint narrative:
I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX 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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  {$4300.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: Guild Holdings Company
State: AZ

Complaint narrative:
We have autopay set up for our mortgage payment. On XX/XX/XXXX we received a payment confirmation from our mortgage co. Guild via text message as we do every other month when our payment is made. We never heard anything else, we didn't get any calls, letters, text messages etc. until XX/XX/XXXX when our credit monitoring service alerted us of a " delinquency ''. We thought it must be a mistake, upon looking into it we found that our deposit from one bank to our " XXXX XXXX  '' account hit the same day & for some reason the payment was rejected. Neither our bank nor Guild alerted us. At that point we immediately made the payment. Incidentally we had even made an extra principal payment of $ XXXX the month prior & XXXX to principal before that. I reached out to the loan servicing dept. at Guild & they refused to accept any responsibility for the miscommunication on their end. The result of this late caused my credit score to drop by XXXX points! The said they called us and when I asked who they called they showed a # that neither my husband or I recognized. It was the company that his employment is contracted through, he has never stepped foot in that office. They had both of our cell phone numbers, they sent us both a payment confirmation on those numbers. I believe that if our payment was delinquent they would have been calling our cell phones to reach us. Thank you for your time!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: Self Financial Inc.
State: MI

Complaint narrative:
I have fraudulent information on my account. And it needs to be removed.

Company response to consumer: Closed with explanation