vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Monaca, PA XXXX XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX RE : Request for Validation of Alleged Debts and Cease & Desist Notice under 15 U.S.C. 1692g To Whom It May Concern : This letter is a formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 
1692g, concerning the following accounts currently reported on my TransUnion credit file : - XXXX XXXX XXXX - Account # : XXXX * * * * - XXXX XXXX XXXX - Account # : XXXX * * * * - XXXX XXXX XXXX - Account # : XXXX * * * * I do not recognize or acknowledge these debts. Therefore, I request that TransUnion LLC obtain and provide full validation of each account, including but not limited to : XXXX. The name and contact information of the original creditor for each account. 
XXXX. A full itemized accounting of the balances claimed. 
XXXX. Copies of all documents bearing my signature that legally obligate me to these alleged debts. 
XXXX. A complete chain of title showing lawful assignment from the original creditor to any third-party collector. 
XXXX. Verification that the debts have not been securitized, transferred into any trust, or sold as part of a pooled financial instrument. 
XXXX. Evidence that the current furnishing party has lawful authority to collect and report these debts. 
XXXX. A copy of the agreement between TransUnion and the furnisher authorizing the reporting of these tradelines. 
Additionally, under 15 U.S. Code 1692c ( c ), I hereby exercise my right to demand that TransUnion immediately cease and desist from reporting or communicating any information concerning these alleged debts until full validation has been received and verified. 
If you can not provide the required documentation within XXXX  days, you are required by law to : - Permanently remove the unverified tradelines from my credit file ; - Notify the furnishing parties to cease any and all collection activity ; and - Cease any further reporting or dissemination of the accounts. 
This letter represents a good faith attempt to correct potentially inaccurate or unverifiable reporting. 
Failure to comply may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General 's Office, and may expose TransUnion and/or the furnishing party to legal liability. 
Sincerely, 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 2025-06-22 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: AL

Complaint narrative:
I asked that these unauthorized accounts be removed from my credit report in pursuit to 15 USC 1681c-2, you are violating my rights under FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I was reviewing my credit report and see that Discover Bank account # XXXX is showing as a negative item on my report. This account is a closed account. It shows repeated CO which allows for account to stay on report longer.

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 2025-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: NJ

Complaint narrative:
I recently viewed my credit report with Experian I noticed a debt owed from a company called Wakefield & Associates. I disputed with both Experian and Wakefield & Associates, I sent both letters certified mail which was confirmed signed and received on XX/XX/year>. I have not received any proper documentation or validation of this debt from Wakefield & Associates or the Original Company who sold the debt as required under Section 809 of the FDCPA. It as been well over XXXX days and the debt is still being reported on my Experian credit profile which is a violation of my rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX Old XXXX XXXX XXXX XXXX XXXX NC XXXX Date Of Birth : XXXX Last XXXX : XXXX XXXX XXXX I submitted a written dispute to all three credit bureaus ( TransUnion, Equifax, and Experian ) via the CFPB XXXX on XX/XX/year>, regarding a collection account reported by XXXX XXXX XXXX for XXXX ( Account # XXXX ). I provided detailed evidence of inaccurate, unverifiable, and inconsistent information being reported across all bureaus. 

As of XX/XX/year>, I have not received any response from the credit bureaus. Under the FCRA ( 15 U.S.C. 1681i ), the bureaus are required to investigate and respond within 30 days. 

Failure to respond within the legally mandated timeframe is a violation of the FCRA and the account must be deleted from my credit reports. I am requesting immediate deletion of the disputed account and investigation into the credit bureaus noncompliance. 

I am attaching the original dispute letter, proof of ID, utility bill, and a copy of my credit reports for reference.

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 2025-06-22 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: TX

Complaint narrative:
Unauthorized Inquiries Was Placed On My Credit Profiles Without My Consent.

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 2025-06-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Atlas Credit Company, Inc.
State: TX

Complaint narrative:
My aunt easy payee for my XXXX. Which is all I get and they knew this. They gave me a {$500.00} loan. My aunt withheld my money so I would default on my loans. She admitted to this over text. She is very cruel especially now that I am physically XXXX. Atlas loans after I couldn't make the first payment came on this property without permission. They harassed my family for it because I put them down as references. They threatened to take me to court so I desperately got the money together on the day that they gave me to have it by or they will take me to court. They never took me to court it was a threat. They also said I am not a man because a real man pays his debts.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this identity theft dispute under the Fair Credit Reporting Act ( FCRA ), specifically invoking my rights under XXXX XXXX Code XXXX, also known as Section XXXX. My FTC Identity Theft Report reference number is XXXX. I am a XXXX of identity theft, and several credit accounts have been fraudulently opened in my name without my knowledge or authorization. These include accounts from XXXX XXXX XXXX ending in XXXX with a balance of {$1000.00}, XXXX XXXX XXXX ending in XXXX with a balance of {$1000.00}, XXXX XXXX XXXX Bank ending in XXXX with a balance of {$1200.00}, and XXXX XXXX ending in XXXX with a balance of {$1400.00}. I did not apply for or authorize any of these accounts, and I believe they were opened using my stolen identity. I believe my personal data may have been exposed during the XXXX data breach, which increases the likelihood that the fraudulent accounts in question were opened without my authorization. This further supports my identity theft claim under FCRA XXXX and warrants permanent deletion of the affected tradelines. I have previously disputed these accounts with the credit bureaus, yet they remain on my report or continue to be verified without valid supporting documentation. Under FCRA XXXX ( c ), the credit reporting agencies are legally required to block and remove any fraudulent information within XXXX business days of receiving a valid government-issued ID, proof of address, an identity theft report, and a written statement identifying the fraudulent accounts. I am providing all required documents with this submission. I request the immediate and permanent removal of all fraudulent accounts identified in this dispute. This request is made in good faith and supported by federal law. Failure to comply may constitute willful noncompliance under FCRA XXXX and XXXX, and I reserve all rights to pursue legal remedies if necessary.

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 2025-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to XXXX XXXX XXXX XXXX ( XXXX ) Debt collectors are legally obligated to adhere to XXXX XXXX XXXX XXXX ( XXXX ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: OH

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 explanation
Consumer complaint received 2025-06-22 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: GA

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

Company 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 2025-06-22 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:
EXPERIAN : This complaint against Experian is due to XXXX XXXX XXXX FRAUDULENT ACCOUNT WAS DELETED OFF MY CREDIT REPORT MONTHS AGO DUE TO IDENTITY THEFT. SUDDENLY ON XX/XX/year>, THE FRAUDULENT ACCOUNT WAS REINSERTED BACK ON MY ACCOUNT ON XX/XX/XXXX BY EXPERIAN WITHOUT ANY NOTICE. THIS IS AGAINST FCRA LAWS. THIS ACCOUNT WAS NOT ON MY REPORT ON XX/XX/XXXX, IT WAS REINSERTED ON XX/XX/year>. SEE ATTACHED!

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 2025-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
This is a bit complex. I had been a Chase customer for XXXX years. I never missed a payment or was late. I paid the entire amount of the bill each month except when I had a loan arrangement. I was told that they could close my account at any time. So, I let it go. Now on XX/XX/year>, I have received a letter that they are closing my XXXX account using the other XXXX closing as their excuse. This will make life very difficult for since I use this card for food shopping to obtain various discounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime holds my mypay money for almost a month before it is all released. It is {$300.00} right now. I can't wait a month to get {$300.00} when I only get {$960.00} a month. I can't walk. I can't work. They have told me for 30 days my instant loan would be available for me in 30 days. If has been 30 days and now they are saying it's up to the system. That's all they ever say. I tried to file complaints but nothing happens I get told lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: GA

Complaint narrative:
I respectfully express my concern over the violation of my consumer rights through the dissemination of inaccurate information. Equitable treatment and adherence to accuracy and compliance responsibilities are my rightful expectations. Please provide all available details on their shortcomings.

Negative information, regardless of certification, is intolerable. The factual truth regarding your company 's operations and the data pertaining to my credit profile is of utmost significance. The lack of accuracy in the credit report I received is surprising, given the expected adherence to the FCRA and relevant Metro 2 data field formatting standards. I challenge you to create a verified, complete, and truthful document that presents evidence for each claim. Any deviation from these standards, as highlighted in the 2020 CRRG, jeopardizes data integrity, posing a serious issue. 

Listed below are the Accounts that are being challenged XXXX  XXXX - XXXX Listed below are the Collections that are being challenged 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 2025-06-22 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: Experian Information Solutions Inc.
State: CO

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

Company 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 2025-06-22 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against ChexSystems , Inc. for retaining and distributing my consumer information without my knowledge, consent, or a lawful permissible purpose, in violation of the Fair Credit Reporting Act ( FCRA ).

Like many consumers, I became aware of ChexSystems only after I was denied the ability to open a bank account. Upon requesting a report from ChexSystems, I found that the agency was holding information about me that I had never consented to share, was never notified about, and had no opportunity to review or correct prior to being adversely affected.

I have no memory of authorizing any financial institution to report information to ChexSystems, nor have I received any clear explanation of how or why ChexSystems collected my data in the first place. Their handling of my information appears to violate multiple provisions of the FCRA, including but not limited to : No permissible purpose : I have not applied for any product or service that would justify ChexSystems lawfully obtaining or sharing my data. 
No notice of adverse action : I was never notified that ChexSystems was the basis for my account denial, nor provided a chance to dispute the information beforehand. 
No transparency : ChexSystems has not offered a clear explanation of the source or use of the data they hold on me. 

As a result of this unauthorized reporting : I have been denied access to banking services, including checking and savings accounts. 
I have suffered financial exclusion and reputational harm based on data I did not know existed. 
I have been forced to navigate a system that is opaque, unjust, and damaging to consumers like me who were not given fair notice or recourse. 

I am requesting that the CFPB : 1. Investigate how ChexSystems obtained my personal data and whether they had a verifiable and lawful basis.

2. Compel ChexSystems to delete all information they have retained about me, due to the absence of consent or permissible purpose.

3. Ensure that I am no longer prevented from opening financial accounts based on this improper reporting.

4. Consider regulatory or enforcement action if ChexSystems is found to be systematically violating the rights of consumers under the FCRA.

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 2025-06-22 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: FL

Complaint narrative:
I am writing to formally dispute and request the immediate removal of a student loan account inaccurately reported on my credit profile. The account is listed under the servicer XXXX, with the account number ending in XXXX, and a reported loan balance of {$25000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute and request the immediate removal of a student loan account inaccurately reported on my credit profile. The account is listed under the servicer XXXX, with the account number ending in XXXX, and a reported loan balance of {$25000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: FL

Complaint narrative:
I am writing to formally dispute and request the immediate removal of a student loan account inaccurately reported on my credit profile. The account is listed under the servicer XXXX, with the account number ending in XXXX, and a reported loan balance of {$25000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have a XXXX XXXX card with my business and was personal. Auto payment somehow stopped and they didnt let me know. The system then never updated me they had an old address on file so all mail never made it to me. They then hit me with 90 day late which drove my XXXX credit down XXXX points and they wont change it. Once I was notified I paid card off completely. 

XXXX XXXX XXXX XXXX XXXX Business card then had auto payment somehow auto payment got turned off and no one updated me.

Company response to consumer: Closed with non-monetary relief