vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: COLLECTECH DIVERSIFIED, INC.
State: TX

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

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 2025-04-15 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:
As a result of a data breach, my personal information was exposed and misused, leading to the appearance of unauthorized accounts, credit inquiries, and a reported late payment on my credit reportnone of which I recognize or authorized. These inaccurate entries, along with incorrect personal details, continue to appear on my file despite my previous attempts to dispute them. Their presence has negatively impacted my credit standing and raised serious concerns about both the protection of my identity and the reliability of the information being reported.

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 2025-04-15 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: NJ

Complaint narrative:
Ive disputed this fraudulent account XXXX ( Partial No. XXXX ) with TransUnion multiple times since XX/XX/year>, and provided all required documents, including my FTC Identity Theft Report, ID, and proof of address. Equifax and Experian already removed it, but TransUnion continues to report it, making my credit report inaccurate and damaging. What else do they want from me? Honestly, Im tired of disputing the same thing over and over. But what choice do I have? I need my credit report clean. This is affecting real financial opportunities, things Ive worked hard for. I shouldn't have to keep chasing an agency that refuses to do whats legally required. The fact that only TransUnion is still reporting this account also violates 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy in consumer reporting. If other bureaus removed the account and TransUnion didn't, thats proof their reporting is inaccurate and noncompliant. TransUnion also has no permissible purpose under 15 U.S.C. 1681b to continue publishing an account that I did not authorize, and I did not give permission to report. Their refusal to delete it despite clear evidence is not just negligent, its willful. Under 15 U.S.C. 1681n and 1681o, they are liable for damages up to {$1000.00} per violation. Ive followed the law. TransUnion hasnt. Their inaction is hurting my credit and causing ongoing harm. Im asking the CFPB to take enforcement action and demand that TransUnion permanently delete this account and correct my report immediately.

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 2025-04-15 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: IL

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JPMorgan Chase charged off my account and repossessed my vehicle, yet continues to report derogatory information on my credit report. This is accounting fraud. A charged-off debt must be derecognized and no longer treated as collectible under XXXX XXXX. Despite having already been compensated either through securitization, insurance, or third-party asset sale, Chase is still reporting the account and has unlawfully deprived me of my property. Their actions are not only deceptive, but constitute double recovery and unjust enrichment. I demand CFPB intervention to investigate Chases use of false accounting and compel correction of credit reporting and the return of my vehicle or full restitution according to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: MI

Complaint narrative:
I have attached documentation from the appropriate authorities to support my claims. I would be grateful if you could promptly remove the fraudulent entries from my credit report and take the necessary steps to rectify any inaccuracies or fraudulent activities because I already file a complaint again for these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: TX

Complaint narrative:
Entries for late payments appear on my report that I believe to be inaccurate. Under XXXX USC XXXXe ( b ) and XXXX USC XXXXi, my report is required to contain only information that is accurate, complete, and verifiable. I am requesting that these late payment entries be verified, and if they can not be confirmed, that they be corrected or removed.

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 2025-04-15 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: PA

Complaint narrative:
I am formally disputing the following negative items on my credit report : These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I opened a savings account with the bank about 2 weeks ago and initiated a fund transfer into the new account. The authorized transfer in the amount of XXXX USD went through on XX/XX/XXXX, but the next day, another {$100000.00} was transferred to my account by myself through XXXX, a service that I have never used. For each of these transfer-ins, the next day there was a transfer-out of the total amount, with the following description : '' Hold ; Payee Name ; Reason ; New Deposit Hold ''. I could not recognize or initiate any of these transactions. I called and wrote to the customer service to report possible fraud and identity and request a temporary hold or freeze on my account to prevent illegal access, something the Bank claimed that it has done, but they denied my access to my own account. I asked to correct it, but their response was very weird, insisting that I should " clean '' my phone or computer before they could restore my access. They were very dodgy with different agents telling different stories about the transaction circumstances and meaning of the codes. I suspect someone inside or outside the bank has stolen my identity, because I was asked to verify all kinds of information again and again and the system still had difficulty verifying it. Now I can't even access my account and have no idea what will happen to it. Will the hold on the fund be released and all my money gone? They don't respond to my email inquiries at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: FL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

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 2025-04-15 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: PA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-04-15 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 been a victim of identity theft. my information has been involved in Mutiple data breaches. I tried to dispute these 2 inquires with TransUnion on Mutiple occasions and they wouldn't remove these inquires and didn't give me a reason on why they couldn't removed. i am aware of my rights as a consumer and i know that anything reported as identity theft must be blocked from the consumer report within 3 days

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 2025-04-15 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: CA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation un

der 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds enti
ties accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 2025-04-15 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-04-15 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:
I have not supplied proof under the doctrine of estoppel by silence, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/XXXX, I booked a hotel in XXXX, XXXX through Capital One Travel for ~ {$1700.00} on my XXXX XXXX XXXX. A week before my trip in XX/XX/XXXX, I was emailing the hotel to reserve some baby items and realized that my hotel reservation was canceled. I notified Capital One Travel ( since the reservation was still showing up in my travel portal ) and had to convince them that the hotel reservation was indeed canceled. After XXXX phone calls at XXXX each, I was rebooked to a new hotel. Each time, someone told me they would call me back but no one did, except for XXXX rep who told me it was rebooked and I would get {$200.00} in travel credit back ( both ended up being false ). Each time, I had to call in and repeat my story to someone new. Since I had no confidence that Capital One Travel would deliver, I emailed the new hotel separately to confirm my reservation. On the day my family and I landed in XXXX, I got an email from the new hotel stating the reservation was canceled as well, since Capital One never paid. With XXXXXXXX XXXX XXXX XXXXXXXX, while at the airport in a foreign country, I had to call Capital One Travel once again to get a new booking. The call took so long, that I just rebooked a hotel on my own on XXXX while on the phone with Capital One Travel. This third hotel, booked on my own dime, cost ~ {$2300.00}. All in, I ended up paying {$460.00} more than I should've, where Capital One did not deliver promised goods ( hotel ) twice. I also didn't get the {$200.00} travel credit that I was promised. I called in after my trip for a reimbursement of the excess cost, and after being transferred around for another XXXX, I was told nothing could be done so I just closed my account. This issuer should be investigated and fined for falsely advertising services that it can not deliver on. The entire Capital One Travel department also needs to be revamped for incompetence and unreliability. The bare minimum for a travel department to deliver confirmed travel ( I also had issues with flight confirmation numbers ) was so grossly mismanaged with no consequences for anyone involved. It is embarrassing that Capital One calls itself a national bank, servicing XXXX XXXX cardholders.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: NC

Complaint narrative:
I was advised by the original creditor XXXX XXXX, that the debt was purchased by Assurant Recovery Solutions. XXXX XXXX  advised me that my contact details had been forwarded to Assurant recovery solutions ans of XX/XX/year> and I would need to wait for communication from them prior to satisfying the balance to avoid reporting to the credit bureau. I did not receive any communication from Assurant Recivery solutions. On XX/XX/year> a collection account was added to my credit reports with XXXX XXXX XXXX XXXX. The original creditor showed XXXX XXXX however the collection agency reporting showed IQ Data XXXX XXXX  I immediately reached out to the original creditor via email for clarification on XX/XX/year>, because I was told the collection agency for this debt would be Assurant Recovery Solutions as that is who the debt was sold to. XXXX XXXX XXXX XXXX XXXX XXXX responded on XX/XX/year> and advised me that Assurant recovery solutions is who they use for their collections and the account was transferred to Assurant Recovery Solutions. The original creditor was unaware of who IQ Data XXXX XXXX was until she reached out to Assurant Recovery Solution, who advised them that IQ Data XXXX was an affiliate collection agency. I believe my rights according to the FDCPA as well as state laws within the North Carolina Collection Agency Act and the North Carolina Debt Collection acts have been violated by these events. Assurant Recovery Solutions is not licensed in NC and does not have a permit to operate in this state therefore violating my rights as they are not legally able to collect on this debt. Purchasing a debt you can not collect on legally is a violation of NC debt collection laws and I demand this account be removed from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
On feburary XXXX at XXXX PT I sent a payment to my spouse of {$1100.00} ( transaction # XXXX ). She ended up canceling the payment because she was going to cover this months rent. I waited the 14 business day continuously checking for this refund to hit my account. After some time I reached out to support to get more information and they stated that it has been refunded already to my debit card. After reviewing my transactions I have deemed that to be false. I have filed a claim with my bank and they confirmed that I have sent that payment to cashapp, but it has yet to have been refunded. Contacting Cashapp with this information just sent in a spiral as they want me to talk to my bank again. To this day XX/XX/XXXX, I have yet to see this refund in my bank or on my cashapp.

Company response to consumer: Closed with explanation