vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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 am submitting a formal identity theft complaint. I have filed an FTC Identity Theft Report and provided supporting identification documents. There are multiple unauthorized hard inquiries and two fraudulent accounts on my credit report that I did not authorize or initiate. 

These items are the result of identity misuse and must be removed under FCRA Section 605B. I am requesting that all unauthorized entries be permanently deleted based on the evidence provided. 

Please process this request accordingly and confirm that these records will be removed. 
Fraudulent accounts : XXXX XXXX XXXX. Credit card, opened XX/XX/year>, Acct # : XXXX, amount : {$610.00} XXXX XXXX Credit card, opened XX/XX/year>, Acct # : XXXX, amount : {$0.00} Unauthorized inquiries : XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2025-05-06 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: NC

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 2025-05-06 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: IL

Complaint narrative:
My name and address are wrong, and I want only my legal name and one address reporting on my credit report. I have sent this request several times. ATTENTION DISPUTE DEPARTMENT I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX 2. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. MY ONLY SOCIAL SECURITY NUMBER XXXX XXXX XXXX XXXX XXXX 4. MY ONLY AND CORRECT DATE OF BIRTH : Date of Birth : XX/XX/year> 5. MY ONLY EMPLOYER IS : I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 
Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy. 
I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA. 
Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy.

As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed. 
Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency. 
Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
My name and address are wrong, and I want only my legal name and one address reporting on my credit report. I have sent this request several times. ATTENTION DISPUTE DEPARTMENT I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX 2. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. MY ONLY SOCIAL SECURITY NUMBER XXXX XXXX XXXX XXXX XXXX 4. MY ONLY AND CORRECT DATE OF BIRTH : Date of Birth : XX/XX/year> 5. MY ONLY EMPLOYER IS : I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 
Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy. 
I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA. 
Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy.

As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed. 
Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency. 
Sincerely, XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-05-06 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:
In late XX/XX/year>, I submitted a formal credit dispute to Equifax via Certified Mail XXXX XXXX XXXX XXXX XXXX which was delivered and received. My dispute included documentation legally sufficient to identify me and initiate an investigation, including a notarized affidavit of identity, government-issued photo ID, a utility bill with my current address, and a copy of my Social Security card . 

Despite receiving this complete documentation package, Equifax responded by claiming they were unable to locate my credit file and requesting additional documents. This contradicts their obligations under the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to conduct a reinvestigation of disputed items upon receipt of sufficient identifying information. 

No reinvestigation was completed within the 30-day legal window, no Method of Verification was provided, and no action was taken on the disputed accounts. Equifaxs refusal to investigate and request for redundant documentation appears to be a procedural stall and violates FCRA 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 2 ), and 1681i ( a ) ( 5 ).

I am requesting regulatory intervention and appropriate enforcement action.

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

Complaint narrative:
b'To Whom It May Concern:\nThis letter constitutes a formal dispute and legal demand under the Fair Credit Reporting Act (FCRA), 15\nU.S.C.  1681i, 1681e(b), 1681c(a), 1681s-2, and the New Mexico Unfair Practices Act (N.M. Stat. Ann. \n57-12-3). The following tradelines are inaccurate, unverifiable, and unlawfully reported on my Equifax credit\nfile. You are required by law to conduct a reasonable reinvestigation and remove all unlawful data.\nDISPUTED ACCOUNTS & LEGAL VIOLATIONS\n1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nInaccuracies:\n* Charge-offs are being falsely updated monthly, misrepresenting a fresh delinquency each time.\n* The "Date of Last Payment (DLP)" and "Date of First Delinquency (DOFD)" are incorrect and appear\nintended to re-age the account.\nViolations:\n* 15 U.S.C.  1681c(a)(4): Reporting derogatory information beyond the 7-year limit.\n* 15 U.S.C.  1681e(b): Failing to maintain maximum possible accuracy.\n* N.M. Stat. Ann.  57-12-3: Deceptive trade practice via false account re-aging.\n* Metro 2 Guidelines: Charge-offs must not be reported monthly unless there is a new delinquency event.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXInaccuracies:\n* Duplicates the above account with inconsistent DOFD, DLP, and payment history.\nViolations:\n* 15 U.S.C.  1681e(b): Duplicate tradelines violate the duty to ensure accuracy.\n* 15 U.S.C.  1681i: Failure to reinvestigate and reconcile duplicates.\XXXX XXXX XXXX XXXX XXXX: Material misrepresentation of my credit history.\n* Metro 2 Guidelines: Duplicate tradelines are prohibited unless fully reconciled and accurateXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DOFD and DLP appear to be manipulated to unlawfully extend the reporting timeline.\nViolations:XXXX 15 U.S.C.  1681c(a)(4): Negative accounts must not remain beyond 7 years from DOFD.\n* 15 U.S.C.  1681s-2(a)(2): Furnishers must accurately report DOFD.\n* N.M. Stat. Ann.  57-12-3: Falsifying payment dates is an unfair practice.\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit bureaus must correct obvious inaccuracies and\ncannot rely solely on data furnishers'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: ME

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % 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 2025-05-07 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: ME

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % 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 non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I bought this card and had it stored in my drawer. I am showing it has not been used and should still have its original {$500.00} balance. I tried logging in and calling the bank but am told there is a {$0.00} balance but they will not tell me when and where it was used so I can confirm it was used by me. I have no record of having used the card and so it should still have its original {$500.00} balance. So I need to know when and where it was used. Bank refuses to provide that information. 

Also I live in California so there should be no issue of the card expiring.

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 2025-05-07 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:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-07 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: GA

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Checkr, Inc
State: NY

Complaint narrative:
I didnt give any authority to pull my credit id love them inquiry to be delete and remove pls

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: DISCOVER BANK
State: CA

Complaint narrative:
I purchased a domain name through XXXX by mistake and immediately requested a cancellation. A XXXX representative canceled the domain and emailed confirmation that it was removed from my account. After receiving confirmation of the cancelation I purchased the correct domains names the same day. However XXXX days later, without any request or approval from me, XXXX reinstated the domains they deleted and kept my money. I never used the product. 

I opened a dispute with Discover, but they sided with the merchant, stating that the cancellation email did not mention a refund. However, this completely ignores the fact that the product was re-added without my consent after I canceled and received confirmation. 

This is not a case of a simple no refund policy its a case of a canceled product being reactivated without authorization, which should be considered an unfair or deceptive business practice. 

I am requesting the CFPB assist in getting Discover to reverse this charge or hold the merchant accountable for reactivating a canceled product without my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: CA

Complaint narrative:
I applied for the California COVID-19 XXXX XXXX XXXX and was initially approved for {$15000.00} in rent arrears. The payments were issued on XX/XX/XXXX directly to my landlord. Later, I applied for additional assistance, but my request was wrongfully denied due to a duplicate application error. I was advised to submit an appeal under the original application ( Case # XXXX ), which I did. 

On XX/XX/XXXX, my appeal was approved, and I was informed that my application would be sent back to the last case management stage. I was asked to provide a rent ledger, which I submitted promptly through the system as instructed. I followed up several times by phone and email throughout XXXX and XXXX, seeking updates. I was repeatedly told that my application was under review and there was no estimated timeframe. 

In XX/XX/XXXX, I was informed that my application was deemed incomplete due to missing documentation and that the program had closed. This was falseI had submitted the requested documentation within the deadline, and I have evidence of this. 

Now, a collection agency is attempting to collect rental debt that should have been covered under the approved appeal. I have requested a detailed explanation and full communication record from the program, but I was met with a dismissive final response, and no documentation was provided. 

I am now left with unjust rental debt due to the mishandling of my approved application. Im requesting that this be investigated and that my case be reopened or addressed properly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX ( XXXX ), ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 XXXX XXXX {$530.00} XXXX {$770.00} XXXX {$540.00} XXXX $ XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX as proof from the US Federal Trade Commission that all 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 2025-05-06 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: MD

Complaint narrative:
XXXX XXXX ( XXXX ), ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 XXXX XXXX {$530.00} XXXX {$770.00} XXXX {$540.00} XXXX $ XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX as proof from the US Federal Trade Commission that all 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 2025-05-06 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: NV

Complaint narrative:
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 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