vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 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: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

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 2025-02-17 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
XXXX I received a call from Procollect and requested validation and itemized statement to be mailed to me. I am not disputing that I don't owe anything but I wanted an Itemized statement. They advised that they would mail it to me. I never received. 

On XX/XX/XXXX I sent a certified letter in attempt to settle the debt with a settlement offer since I was not provided with a itemized statement and started to have financial hardship and wanted to avoid bankruptcy. I received the confirmation of receipt back but no one responded to my letter. 

On XX/XX/XXXX I called Procollect to discuss with company and the rep that answered the phone advised me to email the account manager XXXX XXXX at XXXX as no one in the company can access the file but XXXX XXXX then hung up in my face so I sent an email as advised. 

Then on XXXX called back because i had not got a response and was advised the same thing again so I emailed again. 

Today ( XX/XX/XXXX ) I called the company again and again advised that I will have to email XXXX XXXX and wait for a response. I explained that I have been trying to resolve this matter since the beginning of XX/XX/XXXX. The staff was very rude and advised that I have to wait for XXXX XXXX to respond and hung up in my face. 

I am trying to resolve the debt and not getting anywhere with this company. Please help.

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 2025-02-17 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:
There are fraudulent items on my credit report that resulted from the unauthorized use of my personal information. I have never had any association with these transactions, nor have I benefited from them in any way. Taking this matter seriously, I promptly filed a report with the Federal Trade Commission and followed all necessary steps to resolve the issue. However, despite my efforts, these fraudulent items remain on my credit report. This situation has been incredibly frustrating, as I am unfairly suffering the consequences of someone elses misuse of my information. The continued presence of these unauthorized accounts is damaging my financial standing and preventing me from moving 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 2025-02-17 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: SC

Complaint narrative:
I am a victim of identity theft and data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Ive noticed that your company has inquiries on my credit report that I never gave permission for.

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 2025-02-17 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: MD

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 non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX during that time my bank acct was fraudulently hacked and a sum of around {$8600.00} was taken out of my acct. I called several times over the next 6 months to have the bank freeze the acct and cancel the cards linked to my acct. They did not do this. AFTER XXXX XXXX XXXX XXXX XXXX I was able to reclaim my identity and log back into my acct. I then fixed Disputes on 3 different occasions and filed a.police report. And sent supporting documents proving the fraud and the bank has denied the claim 3 different occasions with no supporting documents sent to me justifying there decision to deny the claim. Theses direct deposit from my bank are XXXX XXXX XXXX and I have no means to support myself and can't get any relief as of yet on my dispute claim. There is an on going police investigation I have forwarded the police report number and still can't get any updated information from the bank or a temp credit while the police and bank are investigating this fraud claim. The bank that is involved with this claim Is CHIME Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate information present on my credit report. Upon reviewing my report, I identified several discrepancies that do not reflect the truth of my financial history. I have always made it a priority to ensure that my credit matters are handled with the utmost care and responsibility, so I am confident that these errors do not belong on my record. These discrepancies are not only incorrect but also undermine the integrity of my credit profile. They may lead to potential harm to my creditworthiness, and I trust you will address this matter with the seriousness it warrants.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: TX

Complaint narrative:
On XX/XX/XXXX or before, Direct Express locked my debit card and has kept {$XXXX} of my XXXX deposit true to this day. The issue started when I lost and reordered debit card several times causing them to question my ID and block funds. They requested and received : Scanned Texas ID ( back and front ), scanned Social security Card, back and front, and scanned birth certificate. Their computer would reply back that my Texas ID was expired. It IS current and expires on XX/XX/XXXX. I resent again all scanned XXXX stated nothing is expired, only to have their computer say I my Texas ID was invaild due to it being expired. ( it is not ). Obviously I quickly had to change banks to receive my monthly XXXX deposits and now want the money Direct Express is still holding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
[ Your Name ] XXXX XXXX Pl, XXXX XXXX Mt. XXXX, MD XXXX Date : XX/XX/year> Subject : Dispute of XXXX XXXX XXXX and Request for Removal of Charge-Offs To Whom It XXXX Concern : I am writing to formally dispute the inaccurate reporting of charge-offs on my credit report associated with my account [ Account Number ] with your institution. These charge-offs are being reported with an outstanding balance, which is incorrect and misleading. 

In 2025, your institution issued a Form XXXX for the cancellation of this debt, indicating that the debt was XXXX. Specifically, XXXX XXXX of the Form XXXX was marked with Identifiable Event Code " XXXX '' According to the IRS Instructions for Forms XXXX and XXXX, this code signifies " a discharge of indebtedness because of a decision or a defined policy of the creditor to discontinue collection activity and cancel the debt. '' IRS.GOV The issuance of this form and the selection of XXXX " XXXX '' clearly indicate that the debt has been canceled, and as such, there should be no remaining balance reported. Continuing to report this debt with an outstanding balance is not only inaccurate but also adversely affects my creditworthiness. 

I respectfully request that you : Immediately remove the erroneous charge-offs from my credit report. 
Cease reporting any balance associated with this canceled debt to all credit reporting agencies. 
Provide written confirmation of these actions for my records. 
Please consider this letter as a formal dispute under the Fair Credit Reporting Act ( XXXX  ). I expect your prompt attention to this matter to correct the inaccuracies in my credit report. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-02-17 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: GA

Complaint narrative:
Please take this complaint seriously and review the attached file. I have spent an exhausting amount of time trying to correct the errors on my credit report, yet my requests continue to be ignored. This ongoing issue has negatively impacted every aspect of my life, and I have reached my limit. 

These inaccuracies are taking a serious toll on my mental well-being, and the financial strain caused by my lowered credit score has made it even harder to seek the help I need.

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 2025-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
This situation is beyond frustrating and completely unacceptable. Imagine waking up one day to find yourself burdened with a debt youve never incurred, unverified and completely foreign to you. On top of that, I am being bombarded with relentless harassment from various communication channels, using different tactics to pressure me. The thought of facing legal threats over something I have no connection to is both infuriating and distressing. As a responsible and law-abiding citizen, I find it deeply insulting that my consumer rights are being blatantly violated. This ongoing issue has taken a serious toll on my XXXX XXXX, leaving me exhausted and anxious for days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: OH

Complaint narrative:
My name is XXXX XXXX XXXX I have 4 student loans on my credit report that are not mine. 
I am a permanent resident that didn't get my social security number ending XXXX XXXX. My credit report shows that I have 4 student loans on my credit report from 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 2025-02-17 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: NJ

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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: NV

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: NV

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

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 2025-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On Friday, XX/XX/year>, I attempted to transfer {$60.00} from my Venmo account to my bank account, but the transaction was delayed/canceled due to suspicious activity. However, the only transaction was my attempted withdrawal to a card that had already been verified, which made this reasoning unclear and not justified. 

I contacted Venmo support on XX/XX/XXXX via in-app chat to request an explanation and resolution. I was told that the issue would take 3-5 business days to resolve, but I was not provided with any clear explanation for the delay or how the suspicious activity related to my verified account. 

On XX/XX/XXXX, I followed up again via chat, phone, and email, requesting a faster resolution because my car insurance payment depended on these funds. Despite explaining my urgent need, Venmo did not offer any expedited resolution or further clarification. As a result of this delay, I was unable to make my car insurance payment on time. 

Additionally, during two separate chat interactions, Venmo agents abruptly ended the conversation in the middle of my request for help, ignoring me without addressing my concerns. This lack of support made it even more difficult to resolve the issue. 

I am requesting that Venmo immediately release my funds or provide a clear and justified reason for withholding them, along with a specific timeline for resolution. Additionally, I would like an explanation for why my urgent request for a faster resolution was disregarded and why support agents terminated chats without assisting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: IL

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 2025-02-17 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: NJ

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2025-02-17 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: GA

Complaint narrative:
I am filing a complaint against XXXX XXXX and TransUnion for false credit reporting, failure to correct errors, and violations of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I made my final payment of {$320.00}, bringing my account balance to {$0.00}. On XX/XX/year>, XXXX XXXX confirmed in writing that my account was closed at my request and that my information was deleted from their system. Despite this, XXXX falsely reported a 30-day late payment for XX/XX/year> to TransUnion, which is completely inaccurate. 

Under FCRA 623 ( a ) ( 5 ) ( 15 U.S.C. 1681s-2 ( a ) ( 5 ) ), a creditor may not report a late payment unless it is at least 30 days past due. My account was paid in full and closed before the alleged delinquency, meaning this late payment report is not only false but also unlawful. 

I have provided concrete evidence, including : Payment confirmation from XX/XX/year>, showing my final payment Account closure confirmation from XX/XX/year>, confirming a {$0.00} balance Credit report documentation proving that TransUnion is still reporting a false late payment I have made multiple attempts to dispute this false information with both XXXX XXXX  and TransUnion, yet neither has corrected the issue. XXXX has failed to respond, and TransUnion continues to report the incorrect late payment despite clear evidence proving it 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 non-monetary relief