vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
I have been a victim of identity theft in the XXXX Equifax Data Breach and the XXXX Data Breach. I have noticed some unauthorized accounts on my credit report that I have not benefit from, some which have been disputed. I need these fraudulent accounts removed immediately. The car loan I especially need removed, because it has caused harm to my credit score over the years and I will not be paying them back for a car that broke down the day I bought it. I will also be attaching a debt validation letter to this dispute. I NEED THESE ACCOUNTS GONE PERMANENTLY, AND IMMEDIATELY, FOR THEY ARE HURTING MY CHANCES AT BUYING A HOME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been a victim of identity theft in the XXXX Equifax Data Breach and the XXXX Data Breach. I have noticed some unauthorized accounts on my credit report that I have not benefit from, some which have been disputed. I need these fraudulent accounts removed immediately. The car loan I especially need removed, because it has caused harm to my credit score over the years and I will not be paying them back for a car that broke down the day I bought it. I will also be attaching a debt validation letter to this dispute. I NEED THESE ACCOUNTS GONE PERMANENTLY, AND IMMEDIATELY, FOR THEY ARE HURTING MY CHANCES AT BUYING A HOME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc.
State: CO

Complaint narrative:
XXXX XXXXXXXX Acct # XXXX. This collection agency is trying to collect on a debt whose Statute of Limitation has expired and this account is scheduled to fall later this year.

1. This company has refused to provide me a debt validation letter as per 15 USC 1592G as required by law under the FDCPA.

2. They refused to send me a detailed list of payment history on the repayment of this alleged debt.

3. They refused to provide me with evidence that I was guaranteeing the repayment of this debt.

4. They failed to provide me with any documentation showing that any insurance was taken out for the repayment of this debt by the original creditor. In addition, they have failed to provide a chain of title/custody giving them the right to collect on this debt.

5. I demand a cease and desist against this credit agency to stop reporting any derogatory information or inserting of any as such. Their intent is rooted in malice as they are showing duplicate accounts of the above-referenced account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
It's been an ongoing situation back and forth with this company, Experian, to correct the information on my credit report. A copy of my driver 's license, my bank statement, and proof that my data was compromised, with the furnishing of a copy of my police report, and still, this was not corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: FL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: TN

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 Experian XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: OH

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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 am a victim of identity theft and per FCRA 611 15 USC 1681 and FCRA 605b any fraudulent information due to identity theft should be removed and blocked from my credit file. A loan in regards of a vehicle was acquired in my name with XXXX XXXX account # XXXX opened XX/XX/year> balance XXXX {$9700.00} and credit card with XXXX XXXX  for the amount {$520.00}.

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 2025-05-11 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I am a victim of identity theft per FCRA 605B, FCRA 611 15 USC 1681 c-2, inaccurate information de to identity theft should be removed and blocked from my credit file. These accounts are from Chrysler Capital account # XXXX date opened XX/XX/XXXX balance XXXX and XXXXXXXX XXXX date opened XX/XX/XXXX balance {$520.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: NJ

Complaint narrative:
On Friday XX/XX/year> @ XXXX... I went to the XXXX at XXXX XXXX paid for a reservation of {$480.00} They said the card decline XXXX  times and they said the payment did go through. Looked in my cash app and it showes XXXX taken from my account. Called cash app and they said I would help me to do a dispute. I did the dispute and they denied me saying they hotel full filled there obligations and they didn't because I couldn't stay at the hotel. I paid for XXXX  days from the XX/XX/year> to XX/XX/year>. I had to get a friend to pay for XXXX days because I left work on my break to pay for the hotel bill. After my friend paid in cash the hotel reception went in the systemband change it to XXXX days instead of a week. So my last day there was this morning. I'm homeless and been renting hotels for me and my kids. Paying them by myself with no assistance. Sometime XXXX a week. I have been at this hotel for weeks. I had to book XXXX days at another hotel. 

I filing a complaint on cash app because they took the money out of my account and never gave it to the hotel. The transaction report from the hotel shows it was voided. 

In cash app and text messages you will see, they said they would help me with a dispute.... and then deny me. We'll if the hotel don't have my XXXX and cash app dnt have my money. Then where is my money?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX, XXXX, XXXX, Is reporting on my consumer report but I never reside at this address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The personal information on my credit report were outdated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I came across the CFPB Transunion I feel I was negatively impacted hurting my chances at credit after receiving a response to my earlier dispute if ace counts were verified a copy of the signed contract or quick deletion It has been more than 30 days since last letter was sent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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 2025-05-11 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: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> To : ChexSystems , Inc. 
Attn : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Identity Theft Notification and Request for Action Under the Fair Credit Reporting Act ( FCRA ) Dear ChexSystems XXXX XXXX, I am writing to notify you that I am a victim of identity theft and to formally request that ChexSystems take immediate action to correct and block fraudulent information in accordance with the Fair Credit Reporting Act ( FCRA ), particularly Section XXXX. 

I request that you : Block and remove all fraudulent entries resulting from identity theft from my consumer report maintained by ChexSystems.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: NY

Complaint narrative:
I previously held a student loan with XXXX, but my account was apparently transferred to XXXX without my knowledge or consent. Due to the lack of notification, I did not receive any bills from XXXX and was unaware of the account transfer. I had been on autopay with XXXX for years and assumed this arrangement was continuing. 

XXXX has reported to the credit bureau that my account is XXXX  days delinquent. However, I contest this report as I was not properly notified of the account transfer or any payment requirements. I have attempted to contact XXXX multiple times over the past week but have been unable to reach a representative despite extended hold times. 

I am willing to continue making payments and am not refusing to do so. However, I believe XXXX should not be able to report the account as delinquent when the transfer from XXXX occurred without proper notification or my consent. I am seeking resolution to this issue and to ensure my credit report accurately reflects my payment history and willingness to fulfill my loan obligations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: MT

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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: Continental Finance Company, LLC
State: NC

Complaint narrative:
According to Frca section 605b it is illegal to report anything on my credit report without my consent, please remove this negative item. Thanks 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 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing a complaint claim because my creditor is reporting late payments on my Capital one account ending in XXXX that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnisher but the late payments remain without proper validation or documentation under 15 USC 1681 S2 A furnishers must report accurate information under 15 USC 1681 I. The credit bureaus must perform a resonable investigation within XXXX  days. neither of them have provided sufficient evidence to support the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: TX

Complaint narrative:
I am writing to formally dispute my XXXX XXXX loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates several federal laws designed to protect XXXX  records and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my XXXX  loan debt in full, as my rights have been severely violated.Below are the key reasons for my request ; Violation of the Family Educational Rights and Privacy Act ( FERPA ) ; My XXXX  records were disclosed without my consent, violating FERPAs strict confidentiality Protections. Breach of the Privacy Act of 1974 ; My personal and financial information was improperly accessed and shared without my authorization, violating my privacy rights under federal law. Violation of the Higher Education Act ; As a XXXX  loan borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections. Breach of contract and negligence. The entity responsible for safeguarding my data failed to do so, putting my financial security at risk, and unauthorized disclosure to third parties.

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