vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Upon careful review, substantial and clear discrepancies have been identified between the account details reported by TransUnion and the authentic documentation provided by XXXX XXXX XXXX, XXXX, constituting grounds for immediate removal under the Fair Credit Reporting Act ( FCRA ). Specifically, TransUnion inaccurately lists an " account number '' ending with XXXX. The original lender documentation clearly indicates this number is exclusively a loan number, distinctly different from the actual collateral account number ( ending in XXXX ) and the related separate account number ( ending in XXXX ). Further, TransUnion erroneously reports the company 's address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, while official bank records explicitly state the lenders legitimate address as XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. Additionally, TransUnion improperly classifies the account as a standard " installment loan, '' contrary to the original, official establishment of the account as a secured Certificate of Deposit ( CD ) loan, which carries distinctly different terms, conditions, and reporting requirements. Given these significant discrepanciesaddress, loan classification, and account number mismatchesit is evident that TransUnion has failed to conduct proper verification as mandated under FCRA 611 ( 15 U.S.C. 1681i ). These inaccuracies not only misrepresent my credit history but also adversely impact my credit standing unfairly. Therefore, I formally request TransUnion immediately remove this inaccurately reported information from my credit report and provide explicit documentation regarding their verification process, including any information or communications they received that led them to report and verify such clearly erroneous data.

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 2025-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Fees are ridiculous and there are no offers to help with lowering the Credit Card Fees and balance. I closed the Card and no longer want it. {$200.00} for fees, is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I do not recognize this charge, they are violating my rights. 15 U.S.C 1681 e ( b ) 15 U.S.C 1681 ( 5 ) Remove immediately please XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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 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. 

Account Name : XXXX # XXXX - Date Opened XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XXXX XXXX, XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX - Date Opened XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-05 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: NJ

Complaint narrative:
A complaint is being filed regarding the validation of an incorrect debt applied to my credit report by XXXX. I emailed XXXX with no response. A dispute was also made with Federal Student Aid. When you call the phone, the wait times are 7 hours plus. As of today, XX/XX/year>, XXXX has failed to validate the debt as required by law and the Fair Credit Reporting Act ( FCRA ). 

When the complaint was originally filed against XXXX on XX/XX/year>, they provided the same auto-generated response that I received on XX/XX/year>, and failed to follow through with appropriate action. This was completed through Trans Union and the Federal Student Aid. Their negligence is negatively impacting my financial well-being. 

XXXX should not be falsifying information on my credit report, nor should they be closing accounts that they failed to maintain accurately. Intentionally reporting incorrect information by claiming that accounts were transferred, only to close them, and subsequently reopen them with a different amount is a violation of the LAW. 

This practice violates the following : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ( 2025 ) ( requiring accuracy in information furnished to consumer reporting agencies ). 
Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) ( 2025  ) ( mandating reasonable procedures to assure maximum possible accuracy in consumer reports ). 

I am requesting that someone hold XXXX accountable for these violations and ensure that they take the necessary corrective actions. Myself and thousands of other individuals are being affected by this. Thank you for your assistance in this matter.

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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I do not recognize this charge, they are violating my rights. 15 U.S.C 1681 e ( b ) 15 U.S.C 1681 ( 5 ) Remove immediately please 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 2025-04-05 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: TX

Complaint narrative:
I do not recognize this charge, they are violating my rights. 15 U.S.C 1681 e ( b ) 15 U.S.C 1681 ( 5 ) Remove immediately please 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 2025-04-05 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: DE

Complaint narrative:
Experian credit Eqifax credit Trans Union These credit companies are not properly investigating these accounts but than assume these negatives are inaccurate and cause me a lot of legal work.Sent the credit law 1681B & 1682B outline to them all to so they can properly investigate items before its add to my accountthey do the less minimum to research informationthis is cost me legal to send all back forth letters for these accounts that are illegally added to my name and social numbers

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 2025-04-05 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: EQUIFAX, INC.
State: DE

Complaint narrative:
Experian credit Eqifax credit Trans Union These credit companies are not properly investigating these accounts but than assume these negatives are inaccurate and cause me a lot of legal work.Sent the credit law 1681B & 1682B outline to them all to so they can properly investigate items before its add to my accountthey do the less minimum to research informationthis is cost me legal to send all back forth letters for these accounts that are illegally added to my name and social numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: MD

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several inaccuracies in my account. This is hurting my ability to obtain credit. I understand that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX  XXXX XXXX Account # 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 2025-04-05 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: MD

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several inaccuracies in my account. This is hurting my ability to obtain credit. I understand that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX  XXXX XXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-04-05 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: SC

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. According to FCRA section 605B, it is illegal to report anything on my credit report without my permission. Despite my efforts to resolve this issue with the reporting agency, I have been ignored, and this continues to affect my credit negatively. Please remove the following accounts from my report immediately. 

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 2025-04-05 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: CA

Complaint narrative:
I sent an identity theft dispute for this account and several others to all three national credit bureaus at the beginning of XXXX. On XX/XX/XXXX, Experian finalized their investigation for my dispute and stated that XXXX verified the information regarding the fraudulent account reporting on my credit files. This was the same result with the other credit bureaus as well. Despite filing previous disputes, the account was incorrectly verified as accurate. I want to emphasize that this account does not belong to me, and I am the victim of identity theft. 

I never opened, applied for, or authorized anyone to open or apply for this XXXX XXXX credit card account in my name. After conducting my own investigation, I discovered that this account was fraudulently opened by my late father, who shares the same name as me. Unfortunately, he used my personal identifying information without my knowledge or consent. 

Although he has since passed away, this fraudulent account continues to report on my credit file and is negatively impacting my credit standing. In accordance with the FRCA, this fraudulent account must be deleted and removed in it's entirety from my credit files, due to it's fraudulent origins. I sent all the supporting documents with my initial dispute proving that I am a identity theft victim, and as a victim of identity theft, I am also requesting that this account be blocked from re-reporting after it has been deleted.

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 2025-04-05 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 sent an identity theft dispute for this account and several others to all three national credit bureaus at the beginning of XXXX. On XX/XX/XXXX, XXXX finalized their investigation for my dispute and stated that XXXX verified the information regarding the fraudulent account reporting on my credit files. This was the same result with the other credit bureaus as well. Despite filing previous disputes, the account was incorrectly verified as accurate. I want to emphasize that this account does not belong to me, and I am the victim of identity theft. 

I never opened, applied for, or authorized anyone to open or apply for this XXXX XXXX credit card account in my name. After conducting my own investigation, I discovered that this account was fraudulently opened by my late father, who shares the same name as me. Unfortunately, he used my personal identifying information without my knowledge or consent. 

Although he has since passed away, this fraudulent account continues to report on my credit file and is negatively impacting my credit standing. In accordance with the FRCA, this fraudulent account must be deleted and removed in it's entirety from my credit files, due to it's fraudulent origins. I sent all the supporting documents with my initial dispute proving that I am a identity theft victim, and as a victim of identity theft, I am also requesting that this account be blocked from re-reporting after it has been deleted.

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 2025-04-05 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: CA

Complaint narrative:
I sent an identity theft dispute for this account and several others to all three national credit bureaus at the beginning of XXXX. On XX/XX/XXXX, XXXX finalized their investigation for my dispute and stated that XXXX verified the information regarding the fraudulent account reporting on my credit files. This was the same result with the other credit bureaus as well. Despite filing previous disputes, the account was incorrectly verified as accurate. I want to emphasize that this account does not belong to me, and I am the victim of identity theft. 

I never opened, applied for, or authorized anyone to open or apply for this XXXX XXXX credit card account in my name. After conducting my own investigation, I discovered that this account was fraudulently opened by my late father, who shares the same name as me. Unfortunately, he used my personal identifying information without my knowledge or consent. 

Although he has since passed away, this fraudulent account continues to report on my credit file and is negatively impacting my credit standing. In accordance with the FRCA, this fraudulent account must be deleted and removed in it's entirety from my credit files, due to it's fraudulent origins. I sent all the supporting documents with my initial dispute proving that I am a identity theft victim, and as a victim of identity theft, I am also requesting that this account be blocked from re-reporting after it has been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sentry Credit, Inc.

Complaint narrative:
I relocated oversees in XXXX and I used to have an account with XXXX in WA mainly for auto loan and a credit card. auto loan was paid off in XXXX and the XXXX was hardly used, since I was oversees and don't even have a physical card to use. a few weeks ago a distant family friend of mine told me that he received a collections notice from Sentry Credit Inc in XXXX, WA with my name on it for collections of a debt amount for XXXX, they had received this notice in XX/XX/XXXX but since they were traveling they just saw end of XX/XX/XXXX. I immediately contacted the collections agency and sent them an email since I was not sure what this charge was for and didn't use the XXXX XXXX. Sentry Inc, didn't provide me with any information and told me I should contact the bank. I reached out to XXXX several times by phone and email but unfortunately I was not treated in a professional manner and was not helped or given any information, last time I called which was on XX/XX/XXXX I was told that they are reviewing my account and will get back to me, until now no one contacted me and in the meantime they are reporting me to credit agencies and ruining my credit totally, my scores have dropped significantly over I debt I know nothing about. 
Please not that I have no address in XXXX anymore nor do I have a local phone number and yet I called them internationally 4 times starting on XX/XX/XXXX and emailed them more than once at my own expense. I was transferred to different departments with no clear answer to my questions and at XXXX point the Customer service agents told me that they don't even see an outstanding amount on my account nor do they see any credit cards under my name with them and I should contact the LLR dept for more info. The XXXX dept was no help as well and I still have no information and yet my credit is being destroyed by them. I asked them to at least stop the false agency reporting until this issue is resolved but again didn't receive any help. 
I did my own research and checked my old email and found that XXXX has never contacted me or send me notifications regarding a late payment and the last email notification I received from them was on XX/XX/XXXX showing that the disputed amount was paid in the account, since that date I never heard back from XXXX nor did they report any derogatory information or late payments to the agencies. since I started contacting them a few days ago they falsely reported me to the agencies for several late payments without any justification or clarification. 
also I found that the credit card number in dispute is not mine and I didn't have an account with them with this number. 
I need your help please to resolve this issue with XXXX and Sentry Inc and to provide me with the information I requested and to stop ruining and destroying my hard earned credit until we resolve this dispute. 
Thank you

Company response to consumer: Closed with explanation