vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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: SC

Complaint narrative:
My name is XXXX XXXX. my date of birth is XX/XX/year>. my social security number is 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 Equifax : XXXXXXXX XXXX XXXX XXXX XXXX, Experian : XXXX, Transunion : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Experian : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax : XXXXXXXX XXXX XXXX XXXX XXXX Experian : XXXXXXXX XXXX XXXX XXXX XXXX, Transunion : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Equifax : XXXXXXXX XXXX XXXX XXXX XXXX, Experian : XXXXXXXX XXXX XXXX XXXX XXXX, Transunion : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXXXXXX XXXX XXXX XXXX XXXX Experian : XXXXXXXX XXXX XXXX XXXX XXXX, Transunion : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian : XXXXXXXX XXXX XXXX XXXX XXXX Transunion : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX XXXX Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax : XXXXXXXX XXXX XXXX XXXX XXXX Experian : XXXXXXXX XXXX XXXX XXXX XXXX, Transunion : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXXXXXX XXXX XXXX XXXX XXXX XXXXE Equifax : XXXXXXXX XXXX XXXX XXXX XXXX Experian : XXXXXXXX XXXX XXXX XXXX XXXX Transunion : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian : XXXXXXXX XXXX XXXX XXXX XXXX. Also the following inquiries were unauthorized XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX These accounts 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 # 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 2025-06-05 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: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 explanation
Consumer complaint received 2025-06-05 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: NY

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing you about the the Fraudulent use of my social security number due to the Equifax Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth so there will be no discrepancy on the fraudulent accounts listed by me. The information below, which appears on my credit report, does Not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft. 1. XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  2. XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Date : XX/XX/year> XXXXXXXX XXXX XXXXXXXX, XXXX. 
XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, NJ XXXX RE : Debt Validation Request BOA Account Ending in XXXX AND XXXX To Whom It May Concern : I am writing in response to a recent communication I received from your office regarding an alleged debt with BANK OF AMERICA account number ending in XXXX AND XXXX. This letter is a formal request for validation of the debt, Assignment contract pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
Please provide the following documentation : 1. The amount of the alleged debt ; 2. The name and address of the original creditor ; 3. A complete account history, including how the debt was calculated ( principal, interest, fees ) ; 4. A copy of the original signed agreement or contract that verifies my obligation ; 5. Proof that XXXX & XXXX, XXXX .. is legally authorized to collect on this debt ; 6. The date of the last payment made on the account, if applicable.

Until you provide the requested validation, I am requesting that all collection activity cease, including any reporting to credit bureaus, in accordance with the FDCPA.

This is not a refusal to pay, but a request for validation. Upon receipt and review of the requested information, I will take appropriate action. 

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 explanation
Consumer complaint received 2025-06-05 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: LA

Complaint narrative:
Im reaching out to dispute fraudulent accounts resulting from a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX LA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : 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 non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Fees or costs after closing
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
Since closing date of XX/XX/year> I have contacted XXXXXXXX XXXX XXXXXXXX ( Loan originator XXXX XXXX XXXXXXXX ) and United Wholesale Mortgage ( loan originator XXXX XXXX XXXXXXXX ) for paydown instruction in order to paydown in full the {$290000.00} HELOC loan. I never received the paydown instruction nor were paydown instructions or payment coupons included in my final loan documents. As a result, I have incurred {$1300.00} or {$77.00} per day of interest as of XX/XX/year> that I am disputing with the lender ( United Wholesale Mortgage ), which the lender will not waive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
XXXX XXXX Account XXXX Remains The company that reported the information has certified to Experian that the information is accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Account Number XXXX Inquiries XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am notifying you that fraudulent accounts have appeared on my credit report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I demand their blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, NC XXXX XXXX delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$330.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$440.00} Inquiries XXXXXXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Service Company
State: TX

Complaint narrative:
On XX/XX/2025, I mailed a certified debt validation letter to Credit Service Company regarding two questionable accounts they are reporting to the credit bureaus. USPS confirmed the letter was received on XXXX XXXX XXXX@XXXX In this letter, I specifically outlined several discrepancies, including : Inconsistent last ac

tivity dates between the two reported accounts Missing original creditor information on one account Incorrect account balances that increased without explanation Possible duplicate reporting of the same debt under two different account numbers Lack of itemized statements or contract with my signature Despite providing this letter and citing my rights under the FDCPA and FCRA, Credit Service Company has not responded within the required 30-day period. As of today, both accounts are still actively being reported on my credit report, which I believe constitutes continued collection activity without proper validation, in violation of 15 U.S. Code 1692g ( b ). Under federal law : A consumer has the right to dispute the validity of a debt and request verification. A debt collector must cease collection efforts including credit reporting until the requested validation is provided. Reporting to credit bureaus is considered a collection activity ( as established by multiple court rulings and CFPB guidance ).

Company response to consumer: Untimely response
Consumer complaint received 2025-06-05 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: OH

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX Account No. XXXX. In accordance with The Fair Credit Reporting Act, Public law 91506, Title VL, Section 6 1 1, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX Account # : XXXXXXXX XXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX Account # : XXXXXXXX XXXX Account # : XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 2. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: NY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 2025-06-05 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: GA

Complaint narrative:
I am writing you about the the Fraudulent use of my social security number due to the Equifax Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth so there will be no discrepancy on the fraudulent accounts listed by me. The information below, which appears on my credit report, does Not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft. XXXX. XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: GA

Complaint narrative:
Please remove these fraudulent accounts from my credit report. I have included an identity theft report as well as my ID, SSN, and proof of address. 

XXXX XXXX XXXX XXXX XXXX XXXX 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/year>, I filed a claim for unauthorized charges totaling the amount of XXXX. I thoroughly explained to the claims agent specific details regarding the claim being that I had contacted local authorities, provided a case number, a police report, date of possible incident, and potential suspects at that time. On XX/XX/year>, I received an email update that the claim was denied. I immediately contacted the claims department to get an explanation on how in the world did an " fraud investigation '' conclude that swiftly. I was then informed that the initial claims agent did not include a single detail that I provided, and the police report was disregarded. I was provided an appeals form then recommended to file an appeal and include as much detail as I could. 

On XX/XX/year>, I completed that appeals form, which states that a 15 business day process should be allowed on appeals. On the appeal, I provided an update on the investigation from the local police department which not included an arrest, but video surveillance subpoenaed from the apple store, i identified the suspects in action, an arrest of those suspects in which one of those suspects is still in custody. I included the arresting officers names and case number with the original police report. # 0 days have passed and there's been absolutely no correspondence and no update on this matter. I no longer feal protected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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 provide my identity fraud documents to Equifax and have requested that they please remove and block the fraudulent information that has been appearing on my report and I have also contacted my local police department, we are working together to get this problem solved. I have also requested that they remove my fraud alert at this time. Those accounts, addresses, and extra information that I have reported is all fraudulent.

Company response to consumer: Closed with non-monetary relief