vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally report that I am a victim of identity theft. I recently became aware that a store card account was fraudulently opened in my name with XXXX XXXX without my knowledge, consent, or authorization. 

This unauthorized activity is a clear violation of my personal rights and financial security. I did not apply for this account, nor did I give anyone permission to do so on my behalf. I am requesting that this fraudulent account be closed immediately and removed entirely from my name and credit report. 

Please consider this a formal dispute under the Fair Credit Reporting Act ( FCRA ). I also request written confirmation that the account has been closed and all associated negative marks removed from my credit file. 

I am happy to provide any additional documentation you may need, including a police report or identity theft affidavit, if required. 

Thank you for your immediate attention to this serious matter. 

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 non-monetary relief
Consumer complaint received 2025-04-25 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: IL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-04-25 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: IL

Complaint narrative:
Even by providing proof of my identity and filing under 15 USC 1681 i-a-c -b ( 2 ) and 15 USC 1692 C -d-e-f and g as well as 735 ilcs 5/9-206 which all are self explanatory under the CFPB, Experian has deliberately avoided the law in order to not correct my disputes as well as Transunion and Equifax, I have provided proof of identity yet neither agency acknowledged receiving this information......... False 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 2025-04-25 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Even by providing proof of my identity and filing under 15 USC 1681 i-a-c -b ( 2 ) and 15 USC 1692 C -d-e-f and g as well as 735 ilcs 5/9-206 which all are self explanatory under the CFPB, Experian has deliberately avoided the law in order to not correct my disputes as well as Transunion and Equifax, I have provided proof of identity yet neither agency acknowledged receiving this information......... False claim

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: MN

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 2025-04-25 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: MO

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: NC

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 2025-04-25 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: FL

Complaint narrative:
Dear TransUnion, I am writing to dispute the following information that appears on my TransUnion report from XX/XX/XXXX : XXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXX, and a balance of {$0.00}. 
The current payment status of 60 days past due is incorrect because the balance due on this account is {$0.00}. 

XXXX XXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Please reinvestigate these matters and delete or correct the disputed information immediately. Thank you for your assistance. 

In light of the CFPB lawsuit filed against XXXX on XX/XX/XXXX, I respectfully request that you conduct a thorough investigation, as required by the Fair Credit Reporting Act. Please do not accept the findings of any furnisher who hasn't provided comprehensive and detailed results. I ask that you share the specifics of your investigation, including the furnishers response, via mail. 

I personally signed and sent this letter. 
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 non-monetary relief
Consumer complaint received 2025-04-25 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: IN

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 explanation
Consumer complaint received 2025-04-25 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: Larry H. Miller Group of Companies
State: IL

Complaint narrative:
This will be my second report with this company. the first report number is XXXX They are refusing to fix their mistake. this account belongs to my twin sister who has a very simliar name to mine. I have an email from XXXX, who works for prestige, where she admits that the information was wrongfully put on my account. we have been fighting this issue for almost a year now. I also have file XXXX identity theft reports against this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: Chime Financial Inc
State: NC

Complaint narrative:
I am filing a complaint against Chime for wrongly denying a dispute related to a charge from a merchant called XXXX. 

On XX/XX/XXXX to XX/XX/XXXX, charges equal to the amount of {$200.00} were made to my Chime account by XXXX. I submitted a dispute because XXXX did not provide the service I purchased, which qualifies this as a valid dispute under Regulation E of the Electronic Fund Transfer Act. 

I submitted clear evidence to Chime showing that the service was not rendered, yet they still denied the dispute on XX/XX/XXXX, without addressing the evidence I provided. I believe this was an improper handling of the dispute and a violation of consumer protection regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint to report serious violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) committed by Equifax, Experian, and certain data furnishers. 

As a direct victim of the XXXX Equifax data breach, my personal information including my Social Security number and date of birth was unlawfully accessed. Following this breach, fraudulent accounts and unauthorized hard inquiries have appeared on my credit reports without my knowledge or consent. 

Despite submitting a proper identity theft report, proof of my identity, a list of the fraudulent information, and a statement affirming that these accounts were not initiated by me, the bureaus have failed to promptly and thoroughly address my disputes in accordance with 15 U.S. Code 1681c-2 ( a ). 

Issues Presented : Equifax and Experian failed to block or remove fraudulent accounts and inquiries after receiving all required documentation. 

Improper use of automated dispute handling systems ( XXXX ) despite my explicit request for a manual reinvestigation under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ).

Reporting and verifying information known to be inaccurate in violation of 15 U.S. Code 1681e ( b ) and 1681s-2 ( a ) ( 6 ). 

Failure to maintain maximum possible accuracy. 

Ongoing emotional distress and financial harm resulting from their negligence. 

Fraudulent Items in Dispute : Unauthorized inquiries from XXXX, XXXX, XXXX XXXX XXXX, XXXX, and XXXX ( dates ranging from XXXX ). 

Fraudulent accounts opened under my name, including XXXX XXXX and XXXX XXXX XXXX XXXX. 

Requested Resolution : Immediate permanent deletion of all fraudulent accounts and inquiries from my credit reports. 

Written confirmation of the deletions and updated copies of my corrected credit reports. 

Compliance with my cease and desist request, including refraining from automated dispute processing. 

Formal acknowledgment of the receipt of my documentation and a response within XXXX days. 

Legal Citations Supporting My Complaint : XXXX5 U.S. Code 1681c-2 ( a ) Obligation to Block Fraudulent Information 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Requirement for Reasonable Reinvestigation 15 U.S. Code 1681e ( b ) Duty to Maintain Maximum Possible Accuracy 15 U.S. Code 6801 and 6802 Safeguarding of Personal Information 15 U.S. Code 1692 Prohibition of Unfair and Deceptive Practices Given the documented history of CFPB actions against Equifax and Experian for mishandling disputes, and their negligent behavior resulting in substantial consumer harm, I respectfully request urgent intervention to ensure compliance and remediation. 

Complainant : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
XXXX'I went to make a purchase for items that I needed for my XXXX XXXX  year old horse who is sick. The XXXXtransaction was declined although I have over XXXX  in my account. I signed in and they froze me access to withdraw money. I tried calling the number listed and was transferred several times with long hold times. A rep said the hold time is XXXX min but Ive already held with several attempts well over XXXX min on each call. Spoke to a rep & supervisor. They said they will send me a form to complete and send back in. Itll take XXXX  to XXXX days possibly for them to get back to me. I told them that is unacceptable because my account is not fraud; never had any fraudulent activity; and, I have a very sick horse in now cannot pay for the vet to come out for an emergency visit. I told them if things become fatal with my horse I will hold them legally liable. They completed the form for me and said someone will be calling me back by XXXX XXXX. I have no confidence that will happen! On the form it asked for my Address; Social Security number; date of birth; if Im are you a citizen; how do I get my annual income; if my income that Im receiving is not foreign; and a whole bunch of other series of questions that did not want them, blocking me access to my account; especially when theres no branch for me to go into here in the state of Washington. I have access to no money now and have a critical emergency Im dealing with. I also have a contractor at my house that I need to get more supplies to and pay him. Im so extremely upset and stressed. Ive had my horse for over XXXX years and if I lose him because of this bank Ill use all necessary resources to sue them.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to demand the immediate removal of multiple accounts being reported under my name without my knowledge, authorization, or consent. I have never opened, managed, or approved any of these accounts, and their presence on my credit report is both false and damaging. 

This situation is completely unacceptable. It misrepresents my financial history, compromises the integrity of my credit profile, and raises serious concerns about potential identity theft. I take this matter with the utmost seriousness and require an urgent investigation into how and why these accounts were reported in my name.

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 2025-04-25 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: IN

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 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 2025-04-25 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 am writing to formally dispute one or more unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity.

According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: WV

Complaint narrative:
I am severely XXXX and do not work. I have told these ppl to STOP calling and harassing my wife and I and talking rudely and threatening us. They call at all hours and change their numbers and block the number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: NC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and 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 explanation
Consumer complaint received 2025-04-25 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: MN

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: WA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize.

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving 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