vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 FL XXXX ACCOUNTS : INQUIRIES : 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 explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX/DOFED 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 2025-06-10 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: GA

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXXXXXX XXXX XXXXXXXX GA XXXX ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-10 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:
Listed below is the personal information that I am challenging : Employer : XXXX XXXX XXXX Incorrect Current Address : XXXX XXXX XXXX, XXXX, TX XXXX Incorrect Name : XXXX XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXX, TX XXXX Incorrect Date of Birth : XXXX I am writing to request detailed information regarding any reported delinquency or derogatory behavior associated with my profile. It is essential that all information reported is accurate and fully compliant with all applicable laws and standards. 

I would appreciate your confirmation of any potential negative information. I am seeking the absolute truth and verified facts, even if such information is certified. 

However, I am disappointed that your report lacks supporting evidence for the claims made. I am formally challenging you to provide complete documentation that substantiates each claim, verifying that the information is accurate, complete, and true. Please be reminded that any deviation from the XXXX XXXX standards undermines the integrity of the data. 

Based on my review, I can not confirm the accuracy of your claims, as the report you provided does not appear to comply with the Metro 2 data field formatted reporting standards. I am unsure whether the reporting process and format were executed correctly. 

Once again, listed below is the personal information I am disputing : Incorrect Current Address : XXXX XXXX XXXX, XXXX, TX XXXX Incorrect Name : XXXX XXXX Incorrect Date of Birth : XXXX This is my second formal request for the immediate removal of the incorrect personal information that you continue to report. Under 15 U.S. Code 1681a, you are legally obligated to ensure the accuracy of consumer information. These inaccuracies are creating false associations with accounts and credit activities that are not mine. 

I demand the immediate deletion of all incorrect entries. Failure to comply will result in escalation of 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 explanation
Consumer complaint received 2025-06-10 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: NY

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 2025-06-10 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/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 XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/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 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 2025-06-10 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: CA

Complaint narrative:
I recently viewed my credit report and noticed an account with inaccurate information. Specifically, one payment were reported as late, despite being paid on time. Consumer reporting agencies are obligated to ensure all data is fully accurate, and this account does not reflect my timely payments. I have attached a copy of my credit report to this complaint, highlighting the error for the date of XX/XX/year>. I request that you promptly investigate this matter and correct the payment status to reflect they were paid on time. Thank you for your attention and swift resolution. 

Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Complaint Against : Regions Bank Issue : Improper {$100.00} Dispute Fee After Merchant Refund Dear Consumer Financial Protection Bureau, I am submitting this complaint against Regions Bank due to an unfair {$100.00} fee charged in connection with a transaction dispute that was already resolved by the merchant. 

I made an authorized {$29.00} payment to XXXX XXXX XXXX. However, the merchant later added an unauthorized {$79.00} charge to my account. I disputed only the {$79.00} charge with Regions Bank. Meanwhile, I contacted XXXX XXXX XXXX directly, and they refunded me the {$79.00}. That refund posted before Regions completed their dispute investigation. 

Despite the refund, Regions processed a full {$100.00} reversal, combining the {$29.00} and {$79.00}, and then charged me a {$100.00} dispute fee. This was inappropriate because : The merchant had already refunded the {$79.00}. 
The dispute should have been closed once the refund was posted. 
I never disputed the {$29.00}, so the reversal of that amount was improper. 

I spoke with claims department Supervisor XXXX at Regions, who stated that nothing could be done to reverse the fee. However, this fee clearly resulted from a processing error and was not my fault.

Requested Resolution : 1. A fee wavier of the {$100.00} dispute fee.

2. Written acknowledgment that the dispute should have been canceled once the {$79.00} refund was received.

3. Correction of any potential account impact due to this error.

4. Optional : A goodwill credit or fee waiver due to the unnecessary time and inconvenience caused. 

Thank you for your attention and assistance in resolving this matter. 

Sincerely, 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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Revised complaint. Accidentally added XXXX XXXX XXXX XXXX That card does not needed be disputed! 

To Whom It May Concern, I am writing to dispute the validity of several accounts and collection entries listed on my credit report. These entries are the result of fraudulent activity and were opened and/or reported without my authorization. 

Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681c-2 and 1681i, I am exercising my right to request the immediate blocking and removal of these accounts. I have never opened nor authorized the following : Fraudulent Accounts : 1. XXXX XXXX XXXX Opened XX/XX/XXXX XXXX. XXXX XXXX Closed XXXX XXXX. XXXX XXXX Opened XX/XX/XXXX XXXX. XXXX XXXX Opened XX/XX/XXXX XXXX. XXXX  Opened XX/XX/XXXX XXXX. XXXX XXXX Opened XX/XX/XXXX Fraudulent Collections : XXXX. XXXX XXXX ID XXXX XXXX. XXXX XXXX XXXX Various accounts including ending in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX. XXXX XXXX XXXX Accounts ending in XXXX and XXXX These accounts and collections are having a negative impact on my credit file and were not initiated by me. I have attached documentation to verify my identity and residency and respectfully request that these entries be investigated and permanently deleted. 

Please conduct a full investigation and block these accounts from appearing on my credit report, in accordance with FCRA protections for victims of identity theft. 

FCRA Legal Basis : - 15 U.S.C. 1681c-2 : Allows a consumer to block fraudulent information due to identity theft.

- 15 U.S.C. 1681i : Requires credit bureaus to conduct an investigation of disputed information within 30 days. 

Please confirm receipt of this letter and inform me in writing of the outcome of your investigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15. U.S.C 1681 section 602 A. States I have the right to privacy.

15. U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2025-06-10 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: FL

Complaint narrative:
TransUnion XXXX. XXXX XXXX XXXX PA XXXX XX/XX/XXXX Dear TransUnion, This is my fourth request for details of the procedure you followed when investigating.I sent you a several request for these accounts that I found fraudulent, but you didn\'t look into them all. You know, I researched the legislation and my consumer rights, and the Fair Credit Reporting Act states that a consumer has the right to ask for an explanation of the process used to determine the accuracy and completeness of disputed information. Additionally, it specifies that the credit bureau must respond to the consumer\ 's request for a report of such investigations within 15 days. Where is it? 
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 2025-06-10 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: MD

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 2025-06-10 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: MN

Complaint narrative:
I recently filed a complaint again transunion for improper use of credit report resulting in a unauthorized inquiry on my credit file. Transunion came back and stated I contact the company. The company doesn't exist!!! There's no information to contact them with, which is why I reached out to Transunion to advise to remove from my credit file. AS there is no open accounts with said company. Said company doesn't have any contact information.

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 2025-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
I called xact to explain that we could not afford {$170.00} biweekly and ask if they would except a payoff. They declined stating it was agreed to make all payments. That would amount to over {$6000.00} for {$2000.00} borrowed. This is criminal as my research shows they are not licensed in Ohio as a lender. Nor are the licensed federally as a lender only a collection agency. So how can a collection agency loan money and add a huge amount of interest just to collect from customers? This is criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: OH

Complaint narrative:
I recently opened up this dispute on XX/XX/year> they found the error deleted it from my credit report then tried to explain their was another error so they put it back on my report. This information just prevented me from purchasing my home and is completely devastating to my future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: IL

Complaint narrative:
I'm contacting you regarding a credit inquiry that was made without my permission. I want to be absolutely clear : I never gave this companynor anyone acting on their behalfany authorization to access or pull my credit report. 

This was done without my knowledge or consent, and as such, it qualifies as an unauthorized and fraudulent inquiry under the Fair Credit Reporting Act ( FCRA ). I did not apply for credit, services, or any financial product from this company, and I have no existing relationship with them that would justify this kind of access.

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 2025-06-10 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: NV

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
Consumer complaint received 2025-06-10 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: PA

Complaint narrative:
I was a victim of identity theft. There is an inquiry on my Experian credit report that is fraudulent and does not belong to me. I've already filed an FTC report. The inquiry is XXXX. XXXX - XX/XX/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