vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( XXXX ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX * * * * Balance : {$4200.00} ; XXXX XXXXXXXX * * * * Balance : {$1300.00} Date Opened : XX/XX/XXXX ; XXXX XXXX * * * * Balance : {$2700.00} Date Opened : XX/XX/XXXX ; XXXX XXXX * * * * Balance : {$4100.00} Date Opened : XX/XX/XXXX ; XXXX XXXX * * * * Balance : {$3300.00} Date Opened : XX/XX/XXXX ; XXXX XXXX * * * * Balance : {$5300.00} Date Opened : XX/XX/XXXX ; XXXX XXXX * * * * Balance : {$4400.00} Date Opened : XX/XX/XXXX ; XXXX XXXX * * * * Balance : {$1400.00} Date Opened : XX/XX/XXXX ; XXXX XXXXXXXX * * * * Balance : {$2600.00} Date Opened : XX/XX/XXXX ; XXXX XXXXXXXX * * * * Balance : {$4800.00} Date Opened : XX/XX/XXXX ; XXXX XXXX * * * * Balance : {$4600.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX * * * * Balance : {$690.00} Date Opened : XX/XX/XXXX ; XXXX  XXXX * * * * Balance : {$370.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX  XXXX * * * * Balance : {$11000.00} ; XXXX XXXX XXXX * * * * Balance : {$1300.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX PHYS XXXX PA ) XXXX * * * * Balance : {$660.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX * * * * Balance : {$310.00}. 
Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: EQUIFAX, INC.
State: TN

Complaint narrative:
15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS CLAIM TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: NY

Complaint narrative:
I am filing this complaint regarding inaccurate and incomplete payment history reporting by XXXX  XXXX on my credit report. Upon reviewing my report, I discovered an error that falls under billing errors defined by 15 U.S.C. 1666 ( b ) of the Fair Credit Billing Act ( FCBA ). 

Nature of the Dispute I am disputing the completeness and accuracy of the payment history on the following account : Creditor : XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Late payment ( s ) reported inaccurately According to 15 U.S.C. 1666 ( b ), the following constitutes a billing error : Subsection ( 4 ) : The creditors failure to accurately reflect a payment made by the obligor or a credit issued on a statement Subsection ( 5 ) : A computation or similar accounting error by the creditor on a statement In this case, I do not recall being late on the payment associated with this account. Furthermore, I was not provided with a billing statement at least 21 days in advance, as required by law, prior to any alleged late payment reporting. 

Violations and Legal Basis This reporting issue may be in violation of : 15 U.S.C. 1666 ( b ) : Billing errors including inaccurate reflection of payments or computation mistakes 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy of reported information 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation upon dispute Requested Actions I am requesting the following from both the creditor ( XXXX  XXXX ) and the credit reporting agency : A reasonable reinvestigation of the reported late payments Documentary evidence showing that I was actually late on the payments If such proof can not be provided, the late payments should be updated to Paid on Time immediately Escalation Notice This complaint is being simultaneously submitted to the following regulatory and consumer protection agencies : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX ) State Attorney General I am requesting full compliance with all applicable federal consumer protection laws. Failure to properly address this dispute may result in further legal actions or regulatory escalation. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: NV

Complaint narrative:
I am writing to follow up on my complaint submitted wherein I requested Equifax, Experian and TransUnion credit bureaus to update an accounts that reflects a late payment. Upon reviewing my credit report, I noticed an entry indicating a late payment. I am resubmitting my request to ensure that Experian, Equifax and TransUnion credit bureaus corrects the account as listed below : XXXX XXXX XXXX XXXX Balance {$0.00}

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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX Experian, and XXXX data breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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:
In XX/XX/XXXX, I discovered several unauthorized accounts listed on my credit report. These accounts were opened without my knowledge or consent and appear to be the result of identity theft or the misuse of my personal information. The fraudulent accounts include : XXXX XXXX XXXX opened in XXXX XXXX XXXX XXXX  XXXX XXXX opened in XXXX XXXX XXXX Credit Card opened in XXXX XXXX XXXX XXXX XXXX XXXX opened in XXXX XXXX XXXX XXXX Collection ( Original Creditor : XXXX ) opened in 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 2025-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, I woke up to my XXXX bank accounts with Chase Bank nearly emptied, {$4.00} in XXXX XXXX {$6.00} in other. Someone used my debit card with the pin at a Chase Bank ATM XXXX times to withdraw nearly {$2000.00}. I did not authorize any of this. When I reported it to the XXXX number associated with my bank, they started a claim. I received temporary funds on XXXX account for {$200.00}. The other account had {$1700.00} in XXXX transactions that Chase Bank decided to tell me after a week of their reviewing the claim that it was done according to the information I had given them! Does not give me any satisfaction that they agreed XXXX account was fraud but the other was not. I need someone with authorization to investigate this further. I have filled a police report about this as well.i have also visited the bank where the ATM sits XXXX asked for further actions into the matter but I was denied any information about the video from the date and times that this occured. I believe my debit card was skimmed at a gas station where I used my card with the pin number at the pump. My debit card was in my wallet the entire time that all of this happened. Please help me get back my hard-earned money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XX/XX/year>, I reviewed my credit report and found that my personal information is being reported inaccurately. Specifically, the credit bureau has listed incorrect or outdated names that do not match my legal identity, including " XXXX, XXXX, XXXX '' and possibly other variations. I submitted a written request with identification asking the bureau to remove all incorrect names and retain only my correct legal name, XXXX XXXX XXXX. 

Despite submitting the request along with proof of my identity, the credit bureau did not make the correction or provide an explanation. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure accurate and up-to-date information. 

I am requesting that the credit bureau correct my personal information by deleting all incorrect name variations and ensuring only my legal name is reported going forward.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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 recently review a copy of my credit report and notice i had fraudulent accounts on my report. please remove these ac counts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXXXXXX XXXX XXXX XXXX  TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX re : XXXX XXXX XXXX  fake/fraud account 4006 Subject : Request to Update Consumer File Remarks to " Aggravated Identity Theft Committed by XXXX XXXX XXXXXXXX Credit Grantor '' Dear Sir/Madam , I am writing to formally request that my consumer file remarks be updated to reflect that I am a victim of aggravated identity theft committed by XXXX XXXX XXXX credit grantor. This request pertains to fraudulent activity associated with my personal information, That was stolen & used without my express written consent to open a fake/fraud account by the rogue employees at XXXXXXXX XXXX XXXXXXXX were the XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX turned a XXXX XXXX  to this issue plaguing XXXX XXXX XXXXXXXX for years XXXX I have previously reported to the appropriate authorities. 

Statement of truth & facts : My name is XXXX XXXX XXXX XXXX a living natural person assigned social security number XXXX by United States congress through the social security administration . imprinted on my social security card is my name, my number. on the back of my social security card it clearly states that " Improper use of this card/and or number by the number holder or any other person is punishable by fine, imprisonment or both.

Aggravated Identity Theft Committed by XXXX  XXXX XXXX : ( a corporation is considered a person ) XXXX XXXX the XXXX, XXXX XXXX the fixer/lawyer the XXXX XXXX XXXXXXXX employee that opened the fake fraud account by the term any other person Improperly use my social security card and number without signed written express authorization.. 



I request that TransUnion update my consumer file remarks to indicate " Aggravated Identity Theft Committed by credit Grantor '' and take all necessary steps to ensure that my credit report accurately reflects this information. 

Please confirm receipt of this request and inform me of any further actions required on my part. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: MI

Complaint narrative:
I am filing this complaint regarding inaccurate and incomplete payment history reporting on my credit report. After reviewing my report, I discovered multiple late payments being reported on accounts that I do not recall being late on. These reporting errors appear to qualify as billing errors under 15 U.S.C. 1666 ( b ) of the Fair Credit Billing Act.

Alleged Billing Errors Under the law, a billing error includes : 15 U.S.C. 1666 ( b ) ( 4 ) : Failure to accurately reflect a payment made or credit issued.

15 U.S.C. 1666 ( b ) ( 5 ) : A computation or similar accounting error by the creditor. 

Additionally, I did not receive a billing statement 21 days before the alleged late payments, which is a requirement before any late fee or delinquency can be reported. This calls into question the legitimacy of the reported delinquencies. 

Disputed Accounts I request a thorough reinvestigation of the following accounts and the immediate removal or correction of any unverifiable or inaccurate late payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Late payment reported inaccurately. 

I formally request that these accounts be reviewed under the Fair Credit Billing Act and that each creditor provide documented proof of my late payments. If this documentation can not be produced, the payment history must be corrected to reflect on-time payments. 

Requested Relief Under my rights as a consumer, I am requesting : A full reinvestigation of each late payment listed above. 

Deletion or correction of any unverifiable or inaccurate payment entries. 

Copies of any documentation used to verify the alleged late payments. 

Assurance that any billing-related violations will be addressed in accordance with the Fair Credit Billing Act and the Fair Credit Reporting Act. 

Escalation Notice This dispute and request for correction will also be submitted to : The Consumer Financial Protection Bureau ( CFPB ) The Better Business Bureau ( BBB ) The Michigan State Attorney General If these matters are not resolved promptly, I reserve the right to seek further legal remedies under applicable consumer protection laws. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: FL

Complaint narrative:
I have recently received a copy of my credit report and notice several inaccuracy and unauthorized accounts/information reporting to my credit reports.These remarks have been detrimental to my life and credit health. My data and infomation has been compromised with Experian data breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: FL

Complaint narrative:
I have recently received a copy of my credit report and notice several inaccuracy and unauthorized accounts/information reporting to my credit reports.These remarks have been detrimental to my life and credit health. My data and infomation has been compromised with Experian data breach.

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