vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TN, XXXX [ XXXX ] [ XXXX ] Date : [ XXXX XXXX ] Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, D.C. XXXX Subject : Request for Debt Validation and Removal of Inaccurate Items from Credit Report To Whom It May Concern, I am submitting this formal complaint and request for assistance regarding the inaccurate and unverified debt items currently being reported on my credit report. These items are causing serious harm to my credit standing, and I believe they may be in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

The specific account ( s ) in question are as follows : Creditor/Debt Collector : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Amount : [ XXXX ] Date Opened/Reported : [ XX/XX/XXXX ] Creditor/Debt Collector : [ XXXX XXXX ] Account Number : XXXX XXXX ] Amount : [ XXXX ] Date Opened/Reported : [ XX/XX/XXXX ] Creditor/Debt Collector : [ XXXX XXXX ] Account Number : [ XXXX ] Amount : XXXX XXXX ] Date Opened/Reported : [ XX/XX/XXXX ] Creditor/Debt Collector : [ XXXX XXXX ] Account Number : [ XXXX ] Amount : [ XXXX ] Date Opened/Reported : [ XX/XX/XXXX ] I formally dispute the validity and accuracy of this debt and request full debt validation and documentation, including : XXXX. A complete breakdown of the debt and how the amount was calculated. 
XXXX. A copy of the original contract or agreement bearing my signature. 
XXXX. Verification that the reporting agency is legally authorized to collect or report this debt. 
XXXX. The chain of assignment or ownership of the debt. 
XXXX. Proof that the account is being reported in accordance with federal law. 

Despite attempts to resolve this directly with the credit bureaus and/or the debt collector, I have not received sufficient validation or documentation. Therefore, I am requesting the CFPB investigate this matter and ensure the removal of this inaccurate information if the creditor or collector can not validate the debt as required by law. 

I respectfully request that this matter be thoroughly investigated, and if the debt is found to be unverified or inaccurately reported, that it be removed from my credit profile immediately. 

Thank you for your time and assistance. 

Sincerely, [ XXXX XXXX XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX INQUIRIES XXXX - XX/XX/XXXX, XXXX XXXX  - XX/XX/XXXX, XXXX XXXX  - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CO

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: CA

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I received a call from XXXX ( this comes up as Chase Bank, which I verified quickly through a XXXX search of the number ), stating that someone had all of my information and had applied for an additional credit card under my social security number from Florida- but they had my information listed as Virginia. They offered to close that application. I told them to please do so that I had not applied for any credit and did not live in Florida. They then transfered me to what they said was " Experian '' - who asked me what the last 4 digits of my social security were. They had all of my information... They had my name, address, date of birth, and the first 5 digits of my social- but they wanted me to give them the last 4. I refused to do so. They said they could not help me if I did not give them this information - I told them if they were who they said they were- they should already have it - they could give it to me and I would verify it for them - they refused and continued to ask for my social security number. I refused. They finally hung up. All that I spoke to had an forieign accent. Please investigate. Thank you-

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX, XXXX XXXX XXXX, EXTRA XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX OF XXXX - XX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: NY

Complaint narrative:
Known credit data breach involving all of my private financial information being compromised from all 3 Credit Bureaus violating my rights to privacy under 15 USC & 1681 and the request to remove all unauthorized, inaccurate, and outdated negative marks, hard inquires, and all derogatory information listed on my credit report as well which negatively impacts my credit profile which does not reflect accurate or fair reporting under the Fair Credit Act or the Fair Debt Collection Practices Act. 

How it started Date fraud began : Amount I was asked for : Amount I Paid : XX/XX/year> Payment Used : How I was contacted : Other Details about the company, business, or individual Company/Person Name : Transunion, Equifax, and XXXX Address Line XXXX : Address Line XXXX : City : State : Zip Code : Country : Email Address : Phone : Website : Name of Person You Dealt With : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Purchased laptop from XXXX via PayPal Credit in XXXX of XXXX. Paid for expedited 2-4 days delivery. Laptop did not arrive untill 3 weeks later even though I attempted to cancel when I realized it was going to be delivered too late. I have attempted to obtain a refund from XXXX since. After being told numerous times I was refunded " just wait '', I disputed the charge with PayPal Credit and submitted supporting information : the delivery was refused and returned to XXXX. I never had it in my possession and the tracking # confirms that XXXX XXXX. XXXX acknowledged they have it and this is the return tracking # XXXX  XXXX ( signed on receipt ). PayPal Credit ( Synchrony Bank ) denied my claim stating the charge is valid. I disputed again, and again PayPal Credit has denied my request now stating they can't confirm the product was returned. I disputed again and submitted the tracking # s and emails from XXXX that they would issue a refund as confirmation. I recently called PayPal Credit after 3 weeks to check on the status of the claim and was told they have no record of the last evidence set provided and the dispute has been closed. I'm at a loss. I have been trying to recover my money for 6 months now. Hope you can help, thank you!

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 2025-04-21 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.

Complaint narrative:
I am writing to formally dispute certain inaccurate and unauthorized items currently appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate the following information, as I believe it to be inaccurate or unverifiable. 

Derogatory Account Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00} Hard Inquiry 1. XXXX XXXX XXXX on XX/XX/XXXX This account and hard inquiry is not familiar to me, and I do not have any recollection of opening such an account nor did I authorize such hard inquiry. I request that you validate this debt or remove it entirely from my credit file if it can not be verified with appropriate documentation as it may have been made without my knowledge or consent. Please complete your investigation within the 30-day timeframe as mandated by the FCRA. Kindly provide a written response detailing the results of your investigation. If the information can not be verified, I respectfully request that it be removed from my credit report entirely.

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 2025-04-21 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: AR

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX XXXX XXXX. Every payment linked XXXX these accounts has been promptly made, XXXX any departure from this precise reporting is unjust XXXX unlawful.

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 2025-04-21 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: NC

Complaint narrative:
Let me be clear : this complaint is not a mistake or a misunderstanding. My credit report contains serious inaccuracies that fall short of the required standard of maximum possible accuracy. These errors are causing ongoing harm to my financial standing and personal well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: GA

Complaint narrative:
I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline.

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: OK

Complaint narrative:
I am writing XXXX request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want XXXX ensure the security XXXX accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year> I booked a flight through XXXX. I was out of the country at the time. While the company advertised very affordable pricing. Only once I booked the flights I realized the fine print. XXXX was charging hundreds of dollars for each checked baggage. Which I was not willing to pay for given there were multiple layovers in several countries. I immediately called XXXX to cancel my reservation. Although it was only a few hours after I booked the flights XXXX refused to help me, saying it was too late to cancel. However they suggested I pay additional fees to have them to attempt in assisting me in cancelling the flights. Which online there are many complaints about this company offering the same scam. In doing further research I have come to realise this is an ongoing issue with XXXX. I immediately booked new flights via Chase XXXX. I reported the incident to Chase cards to help me resolve this matter & deny this charge. The result is Chase is refusing to dispute this matter any further due to this being my responsibility to read all the fine print. Therefore I am refusing to pay {$590.00} for a flight I tried to cancel several times but they wouldnt allow me to cancel. I can not pay twice for the same flight. I would appreciate if you can assist me in resolving this matter. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit 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 non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing a complaint against XXXX XXXX for failing to accurately report payment history during an extension period that covered XXXX and XX/XX/year>, deferring payments until XX/XX/year>. Despite the agreement, XXXX XXXX reported : XX/XX/year> as 30 days late XX/XX/year> as 30 days late ( on XXXX  ) XX/XX/year> with no data, even though I made a timely payment This is misleading to potential creditors and inconsistent with a previous extension agreement from XX/XX/year>, which was reported correctly. 

This violates : FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must report accurate and not misleading information FCRA 623 ( a ) ( 2 ) They must promptly update any incomplete or inaccurate info I request that CFPB intervene and ensure : XXXX and XXXX are marked as 'OK ' or 'no data ' ( deferred ) XXXX is updated to reflect an on-time payment

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 2025-04-21 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: CA

Complaint narrative:
I am filing a complaint against XXXX XXXX for failing to accurately report payment history during an extension period that covered XXXX and XX/XX/year>, deferring payments until XX/XX/year>. Despite the agreement, XXXX XXXX reported : XX/XX/year> as 30 days late XX/XX/year> as 30 days late ( on TransUnion ) XX/XX/year> with no data, even though I made a timely payment This is misleading to potential creditors and inconsistent with a previous extension agreement from XX/XX/year>, which was reported correctly. 

This violates : FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must report accurate and not misleading information FCRA 623 ( a ) ( 2 ) They must promptly update any incomplete or inaccurate info I request that CFPB intervene and ensure : XXXX and XXXX are marked as 'OK ' or 'no data ' ( deferred ) XXXX is updated to reflect an on-time payment

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 2025-04-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Boek, Inc.
State: OR

Complaint narrative:
On XX/XX/year> I made a one time payment to Western Agency for {$1000.00}. 

The payment was set up by Western Agency as a repeating payment of {$1000.00}. 

On XX/XX/year> I contacted my bank and was told to block Western Agency and shut down my credit card immediately. 

I contacted Western Agency on XX/XX/year>, by phone and was told my bank made this mistake! 

I asked for a physical address, where I can pay and get a paid in full receipt. 

Western Agency refused to give me a physical address where payment can be made. Western Agency emplyee was rude and took no responsibility for the improper handling of this payment. 

Western Agency refused my attempt to pay in full on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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:
Ive been receiving letters about student loans that dont belong to me. The only college i attended was XXXX XXXX XXXX, and i even called them to see why the letters was coming to my mail because my grandparents paid off my college tuiton in full without applying for student loans. Their response was you dont have an outstanding balance on your account. Now recently my credit score dropped dramatically for something i didnt do and its affecting my personal life. I believe either someone used my information or this is just a huge mistake, i have no idea about a student loan.

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