vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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: NY

Complaint narrative:
I have submitted multiple written disputes, yet your company has failed to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ), including : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation 15 U.S. Code 1681s-2 ( b ) Failure of furnishers to investigate and correct information 15 U.S. Code 1681c ( c ) Reporting of obsolete data Additionally, I recently became aware of a new lawsuit filed against TransUnion, citing " sham investigations '' and a systemic failure to properly respond to credit report disputesdirectly reflecting my own experience. 
Despite clear documentation and prior notices, TransUnion continues to report inaccurate, unverifiable, or obsolete information. This negatively affects my access to credit, employment, and housingareas protected under the FCRA. 
I now demand the following : A full, reasonable reinvestigation into all disputed items. 
Permanent deletion of any unverifiable or inaccurate information. 
Immediate cessation of any unauthorized reinsertions, in compliance with 1681i ( a ) ( 5 ) ( B ).

A written statement and summary of the findings and actions taken within 15 calendar days of this letter.

If this matter is not resolved in accordance with the law, please be advised that I reserve the right to take legal action against TransUnion for actual, statutory, and punitive damages as permitted under the FCRA, 15 U.S. Code 1681n and 1681o. I will also escalate this matter with the CFPB and FTC.

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 2025-05-09 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:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXXXXXX 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 explanation
Consumer complaint received 2025-05-09 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:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( XXXX ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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.

Complaint narrative:
I am filing this complaint against Experian for their repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) involving the inaccurate and unverified reporting of two derogatory items on my credit report : 1. XX/XX/XXXXXXXX Bankruptcy Case Number : XXXX 2. XX/XX/XXXXXXXX Bankruptcy Case Number : XXXX I first submitted a formal written dispute to the credit bureau on [ Insert date of first dispute ], clearly citing my rights under FCRA 611 ( a ) ( 1 ) ( A ), 607 ( b ), and 605 ( a ). I demanded that they verify these items with original source documentation or delete them, as they appear to be inaccurate, incomplete, unverifiable, and/or outdated. 
The bureau either failed to respond or responded without providing any legally sufficient verification. Instead, they claimed the items were verified without disclosing how or with what evidence. According to FCRA 611 ( a ) ( 5 ) ( A ), information that can not be verified must be deleted. 
Additionally, I submitted a second dispute on [ Insert date of second dispute ], again requesting verification or removal. The bureau continued to report the same inaccurate items in violation of : FCRA 611 ( a ) ( 1 ) ( A ) and ( a ) ( 5 ) ( A ) failure to conduct proper reinvestigation and delete unverifiable data FCRA 607 ( b ) failure to ensure maximum possible accuracy FCRA 605 ( a ) continued reporting of potentially outdated information FDCPA 809 ( b ) ( if child support was placed with a collector ) failure to validate debt These actions have caused harm to my creditworthiness and violate my rights under federal law. I am requesting the CFPB to investigate these violations and require the credit reporting agency to : Provide full documentation used to verify the accounts, or Permanently delete the inaccurate/unverifiable items from my credit report I also reserve my right to seek legal counsel to pursue remedies under FCRA 616 and 617, which allow for statutory and punitive damages.

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 2025-05-09 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: NJ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have been with J.P Morgan Chase for over 15 years and have both personal and business accounts. I have 2 credit cards with chase and never had a late payment, nor a delinquent account or negative balance. All my accounts were in great standings and had put all of my finances with Chase, and even getting and satisfying a Chase Auto Loan. Abruptly out of nowhere, I got a notice that Chase went to close All my accounts. I have called escalation team and they said they can not give any reasons. I have also drove down to Chase to speak with an branch manager and they stated they have no information to give. I have a lot of business expenses and I travel for my business. All my finances and credit cards are with Chase. As soon as I left Chase bank branch I went to get food, and get my rental car to conduct business and it was closed. I logged into my bank account and my Credit card was closed. No call, no notice and no warning. They have provided me with no reasons about my accounts, and no explanation of how to proceed or even manage my finances. After putting your finances trust in a Big institution that stands on customer service I was left with no way to eat, or even travel on the sudden closing of all accounts and credit Cards. I understand that Chase can end their relationship at any time but a reason, warning or explanation would be ethical and reasonable. But it is not legal nor does it state in their terms or policies that they can close a credit card account without giving me an adverse action notice that gives a precise reason. I can not conduct or operate my business at this point due to their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account shows inconsistent balances across all XXXX  bureaus. TransUnion reports {$0.00}, while Experian reports {$540.00} and Equifax reports {$510.00}. This violates FCRA XXXX ( b ) regarding accurate reporting. I request a full reinvestigation, and if unverifiable, the item must be deleted. 
This entry is negatively affecting my creditworthiness. Please conduct a full reinvestigation under the Fair Credit Reporting Act ( FCRA ) and either correct or delete the item as necessary. I am requesting this under FCRA XXXX XXXX Funding Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This debt is listed only on XXXX  with a {$600.00} balance and is missing from XXXX  and XXXX. There is no evidence provided to validate the debt. I request documentation under FCRA XXXX or the account must be deleted. 

This entry is negatively affecting my creditworthiness. Please conduct a full reinvestigation under the Fair Credit Reporting Act ( FCRA ) and either correct or delete the item as necessary. I am requesting this under FCRA XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This collection is reported only on XXXX  and does not appear on other credit reports. Please verify the accuracy and provide original creditor documentation per FCRA XXXX. If not, it must be removed. 
This entry is negatively affecting my creditworthiness. Please conduct a full reinvestigation under the Fair Credit Reporting Act ( FCRA ) and either correct or delete the item as necessary. I am requesting this under FCRA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: MD

Complaint narrative:
XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account shows inconsistent balances across all three bureaus. XXXX  reports {$0.00}, while XXXX  reports {$540.00} and XXXX  reports {$510.00}. This violates FCRA XXXX ( b ) regarding accurate reporting. I request a full reinvestigation, and if unverifiable, the item must be deleted. 
This entry is negatively affecting my creditworthiness. Please conduct a full reinvestigation under the Fair Credit Reporting Act ( FCRA ) and either correct or delete the item as necessary. I am requesting this under FCRA XXXX XXXX Funding Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This debt is listed only on XXXX  with a {$600.00} balance and is missing from XXXX and XXXX. There is no evidence provided to validate the debt. I request documentation under FCRA XXXX or the account must be deleted. 

This entry is negatively affecting my creditworthiness. Please conduct a full reinvestigation under the Fair Credit Reporting Act ( FCRA ) and either correct or delete the item as necessary. I am requesting this under FCRA XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This collection is reported only on XXXX  and does not appear on other credit reports. Please verify the accuracy and provide original creditor documentation per FCRA XXXX. If not, it must be removed. 
This entry is negatively affecting my creditworthiness. Please conduct a full reinvestigation under the Fair Credit Reporting Act ( FCRA ) and either correct or delete the item as necessary. I am requesting this under FCRA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-09 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: MI

Complaint narrative:
On XX/XX/year> a debit for XXXX was taken out of my account, I did not have the funds to cover the charges so it was overdrafted. I have a XXXX overdraft protection and I don't see how Chime can allow a debit for the amount they did. I contacted chime and tried to find out who did the debit and why but Chime has not been able to provide that information to me. They just continue to tell me it was a adjustment to XXXX  whatever that is. I called several federal agencies like IRS, social security and Michigan  treasury to see if any of them did the debit and none of them did. I tried to explain that to Chime customer service but was not being heard. I am at a loss as to what to do so that is the reason for this complaint. I live on social security and do not have extra funds available to me. This is going to cause a drastic hardship to me because my social security will not cover the overdraft that I now have.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration 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 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/year> To Whom It XXXX Concern, I am filing a formal complaint against Wells Fargo Bank for the mishandling and denial of my fraud claim, which I reported on XX/XX/year>. Unauthorized transactions occurred on my personal checking account, and despite submitting evidenceincluding communication from the merchant admitting to fraudthe claim was denied. 

XXXX XXXX investigation process has been flawed and dismissive. A representative claimed that my password had been changed several times, yet I never changed the password for my personal checking accountthe account where the fraud occurred. Those changes were for my business account, which was synced to my personal account for convenience. Using business account activity as justification for denying a personal account fraud claim is inappropriate and negligent. 

In addition, my debit card was used on a XXXX account that is not in my name. This is clear evidence of unauthorized use. Instead of addressing this, a Wells Fargo representative merely stated there were inconsistencies, which is precisely what defines fraudulent activity. To make matters worse, I was later told that the reason for the denial could not be disclosed. This lack of transparency is unacceptable. 

I was also informed by XXXX agent that my case could potentially be reopened, only to be told later that it could not. Every time I call, I am refused access to a supervisor and redirected to the XXXX department, which lacks decision-making power. This cycle of avoidance has made it impossible to obtain justice through the proper internal channels. 

Due to this mishandling, I am seriously considering moving all of my personal and business banking elsewhere. A financial institution should protect its customers, not make them feel unheard and unprotected. 

Requested Resolution : - Reopen the fraud claim - Conduct a fair, account-specific investigation - Issue a refund for the unauthorized transactions 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 explanation
Consumer complaint received 2025-05-09 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: HI

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I submitted a payment for my Capital One credit card balance of {$3000.00} by the due date. I received a confirmation email from Capital One stating the payment was received. However, on XX/XX/XXXX, I was notified that the payment was returned. By that time, Capital One had already assessed {$210.00} in interest charges. 

I have never missed a payment, and I had no way of knowing the payment failed until the charge was already applied. I believe this interest was unfairly applied because I acted in good faith and submitted the payment on time. I was never given a timely warning or opportunity to correct the issue before the interest was charged. 

I contacted Capital One multiple times to dispute the charge and requested an escalation. I was told there is no way to dispute or remove the charge, no email contact could be provided, and no further escalation was possibleeven after speaking with a senior account supervisor. I requested written contact information to send a demand letter and was only given a XXXX XXXX XXXX 

This lack of transparency and refusal to offer a dispute process violates the spirit of the Truth in Lending Act and fair billing practices. I am requesting that the {$210.00} interest charge be refunded and that Capital One revise its policy to allow dispute escalation for charges like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: MO

Complaint narrative:
To Whom It XXXX Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX - XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX * * * XXXX - XX/XX/XXXX - {$7800.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/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 non-monetary relief
Consumer complaint received 2025-05-09 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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