vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 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: NC

Complaint narrative:
I am filing this complaint against TransUnion for failing to acknowledge my previously submitted identity theft report and for its non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ), which mandates that fraudulent items be blocked within four ( 4 ) business days upon receipt of a valid identity theft report. 

Details of the Issue : On XX/XX/XXXX, I submitted a complete and valid identity theft report to TransUnion, along with proof of my identity and a letter identifying the fraudulent information that appeared on my credit report. 
The fraudulent account in question : Creditor Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX As of today, TransUnion has failed to acknowledge receipt of my identity theft report and has not blocked the fraudulent account, despite the legal requirement to do so within four ( 4 ) business days.

Actions Taken & Lack of Response : I initially contacted TransUnion regarding this matter, but I did not receive confirmation that my report was received or processed. 
I have now re-submitted my identity theft report, ensuring that it satisfies all FCRA requirements. 
My identity theft report is valid, and I have provided : A completed identity theft affidavit filed with the Federal Trade Commission ( FTC ). 
A police report detailing the fraudulent activity. 
Proof of my identity ( drivers license, Social Security card, and recent bank statement verifying my address ). 
A letter specifically identifying the fraudulent account and confirming that I did not open, authorize, or benefit from it. 
Despite meeting all legal requirements, TransUnion has failed to fulfill its obligation to remove this fraudulent account. 
Request for Regulatory Intervention : Given that TransUnion has failed to comply with its obligations under FCRA within the legally required time frame, I am requesting the CFPB intervene and take the following actions : Require TransUnion to immediately block and remove the fraudulent account from my credit report as mandated under FCRA Section 605B. 
Investigate TransUnions failure to acknowledge identity theft reports and its non-compliance with FCRA-mandated timelines. 
Impose any appropriate penalties or corrective measures to ensure that TransUnion adheres to federal consumer protection laws in handling identity theft disputes. 
I appreciate your prompt attention to this matter and look forward to a resolution that ensures my credit file is corrected and protected as required under the law. Please let me know if you require any additional documentation or information to assist in your review. 

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 explanation
Consumer complaint received 2025-03-07 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I previously submitted a dispute on XXXX XXXX XXXX, regarding JP Morgan Chases handling of a check deposit, but the banks response falsely claimed that I had not filed a claim. I have since filed a formal dispute, yet Chase continues to deny accountability and refuses to provide the requested call recording. On XXXX XXXX XXXX, I deposited a check for {$1200.00} via mobile deposit. The check cleared the next day ( XX/XX/XXXX ), and I called Chase to confirm that the funds were fully available and would not be reversed. The Chase customer agent explicitly assured me that the check was valid, cleared, and would not be removed from my account. Given this confirmation, I proceeded with three XXXX payments totaling {$1200.00} ( {$500.00} on XX/XX/XXXX, {$500.00} on XX/XX/XXXX, {$250.00} on XX/XX/XXXX ). However, on XX/XX/XXXX, Chase reversed the check deposit, citing that they were unable to accept itdespite their prior verbal confirmation that the funds were secure. As a result, I suffered a financial loss of {$1200.00}. Chase has refused to reimburse me, even though their agent provided misleading assurances that directly influenced my decision to proceed with the transactions. I also filed a complaint with Zelle, but they directed me back to Chase, as the payments were made through my Chase account. Chases claims department stated that because I authorized the Zelle payments, I need to speak with a different department responsible for check clearances, further deflecting responsibility. I relied on Chases verbal confirmation that the check was legitimate and that the funds would not be reversed. This conversation should be recorded, yet Chase refuses to provide access to the call. I am seeking reimbursement for my {$1200.00} loss, as this was a direct result of misinformation from Chase representatives. I request that the Consumer Financial Protection Bureau review this matter and hold Chase accountable for misleading financial guidance that led to my financial loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Midland funding claims that I received judgment paperwork for a debt from XXXX Upon reviewing the attachments in the previous complaints I have made against this ethically questionable company, the address that judgment papers were mailed in XX/XX/XXXX was an address that I had not lived at in over a year so I never received any kind of documentation from them about this debt. At the time this judgement was mailed to the incorrect address I lived in XXXX, Arizona, not XXXX. 

This company is dishonest and unethical in its claim that I received any correspondence in writing from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: CT

Complaint narrative:
Student loans are accruing interest, also at a higher rate than I was contracted with before XXXX XXXX sold debt to nelnet. I am signed up under the save plan and was supposed to be receiving 0 % interest and was not notified of an interest change.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-07 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-07 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: MS

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-03-07 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I demand LVNV FUNDING LLC to remove the collection that is being reported on my credit report. 

I have made my final payment and I was under the impression that LVNV Funding LLC, would remove and stop reporting the collection on my Credit Report once the last payment was made. 

LVNV is also reporting false information with the balance being incorrect. This is a violation of Federal Law 15 U.S.C. 1601, 15 U.S.C. 1692 and 15 U.S.C. 1681 and demand this information be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-07 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-07 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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 XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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 XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA 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 AND TRAFFICKING. 

Account Name : XXXX XXXXXXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX OPENED XX/XX/XXXX Account Name : XXXX XXXX  XXXX XXXX OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX Account Name : XXXX  XXXX OPENED XX/XX/XXXX XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: OR

Complaint narrative:
Jefferson Capital Systems LLC sent me letter stating I had not paid on a judgement made against me. After the judgement they garnished my wages to pay it off yet they are attempting to collect the from me debt a second time. I notified them of this error and sent paystubs showing they were paid, they requested additional information from me which I will have to obtain from a previous employer wasting my time when they should have records of all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: 1st Franklin Financial Corporation
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Subject : Dispute of Incorrect Information on My Credit Report Dear 1st Franklin Financial, Im writing to dispute incorrect information on my credit report. Specifically : Account Name/Number : XXXX Or it could be found using my birthday XXXX XXXX. I am requesting a 1099 form in accordance with the charge-off you have on file for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: FL

Complaint narrative:
I am filing a formal complaint against TransUnion for failing to conduct a reasonable investigation into disputes regarding inaccuracies in my credit report. Despite my repeated submissions, TransUnion consistently responds within XXXX hours, asserting that the disputed accounts are accurate without providing any evidence of a thorough review. 
This practice directly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation of disputes. Additionally, TransUnions actions may also be in violation of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as evidenced in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar misconduct. 

I respectfully request that the CFPB take immediate action to ensure TransUnion complies with federal law and provides consumers with verifiable proof of a proper investigation. Furthermore, I request the deletion of the disputed accounts from my credit report, as TransUnion has failed to fulfill its legal obligations. If this matter is not resolved promptly, I will be left with no choice but to pursue legal action for non-compliance with FCRA regulations. 

Here are the accounts marked as inaccurate : XXXX XXXX - XXXX XXXXXXXX - {$200.00} XXXX XXXX - XXXX  XXXX - {$360.00} XXXX XXXX - xxxxxxx XXXX - {$3000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX - {$1000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - {$28.00} XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX - {$24000.00} DPT EDXXXX - {$11000.00} DPT EDXXXX - {$11000.00} XXXX expect a timely resolution, including the removal of these accounts from my TransUnion credit report. If TransUnion does not take appropriate corrective action, I will be seeking legal remedies to enforce my rights under the FCRA and CFPA.

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