vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : 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 2025-03-08 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:
do not XXXX where this inquiry came from XXXX XXXX XXXX XXXX PLEASE SEE ATTACHED LETTER

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 2025-03-08 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:
do not XXXX where this inquiry came from XXXX XXXX XXXX XXXX PLEASE SEE ATTACHED LETTER

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

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.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-08 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: FL

Complaint narrative:
To Whomever This May concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XX/XX/XXXX. My only phone number is XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX, Florida XXXX Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs 1. Account name : XXXX  XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$1900.00} 2. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$0.00} 3. Account name XXXX XXXX XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$0.00} 4. Account name : XXXX XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$260.00} 5. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$830.00} 6. Account name : XXXX  Account opened : XX/XX/XXXX Amount owed : {$0.00} Inquiries Account name : XXXX Account Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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:
To Whomever This May concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XX/XX/XXXX. My only phone number is XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX, Florida XXXX Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs 1. Account name : XXXX  XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$1900.00} 2. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$0.00} 3. Account name XXXX XXXX XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$0.00} 4. Account name : XXXX XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$260.00} 5. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$830.00} 6. Account name : XXXX  Account opened : XX/XX/XXXX Amount owed : {$0.00} Inquiries Account name : XXXX Account 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 2025-03-08 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: LA

Complaint narrative:
XX/XX/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 XXXXXX/XX/XXXX ] TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute and Immediate Deletion of Unauthorized Credit Inquiry Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) To Whom It May Concern, I am writing to formally dispute an unauthorized credit inquiry that appeared on my TransUnion credit report immediately after I removed my credit freeze. The inquiry in question is from the auto dealer XXXX XXXX, referenced as XXXX XXXX. I did not authorize this inquiry, also XXXX from XXXXXXXX XXXX XXXX XXXX XXXX XXXX and its presence violates my rights under the Fair Credit Reporting Act. 
I respectfully request that you : 1. Investigate this unauthorized inquiry immediately.

2. Delete all records of this inquiry from my credit file without delay, as required under the FCRA and all other applicable credit reporting rules.

3. Provide written confirmation of your investigation and the outcome of your findings. 
I have not provided consent for XXXX XXXX any aliated partyto conduct a credit inquiry. 
Under the FCRA, a credit inquiry may only be made with my explicit authorization. As such, I demand that this inquiry be removed from my file immediately. 
Enclosed is a copy of my credit report with the disputed inquiry highlighted for your review. I expect to receive written confirmation of the removal of this inquiry within 30 days in accordance with federal law. 
Should you require any additional documentation or information, please contact me at the address or phone number listed above. 
Thank you for your prompt attention to this matter. 
Sincerely, [ XXXX XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: LA

Complaint narrative:
XX/XX/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 XXXXXX/XX/XXXX ] TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute and Immediate Deletion of Unauthorized Credit Inquiry Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) To Whom It May Concern, I am writing to formally dispute an unauthorized credit inquiry that appeared on my TransUnion credit report immediately after I removed my credit freeze. The inquiry in question is from the auto dealer XXXX XXXX, referenced as XXXX XXXX. I did not authorize this inquiry, also XXXX from XXXXXXXX XXXX XXXX XXXX XXXX XXXX and its presence violates my rights under the Fair Credit Reporting Act. 
I respectfully request that you : 1. Investigate this unauthorized inquiry immediately.

2. Delete all records of this inquiry from my credit file without delay, as required under the FCRA and all other applicable credit reporting rules.

3. Provide written confirmation of your investigation and the outcome of your findings. 
I have not provided consent for XXXX XXXX any aliated partyto conduct a credit inquiry. 
Under the FCRA, a credit inquiry may only be made with my explicit authorization. As such, I demand that this inquiry be removed from my file immediately. 
Enclosed is a copy of my credit report with the disputed inquiry highlighted for your review. I expect to receive written confirmation of the removal of this inquiry within 30 days in accordance with federal law. 
Should you require any additional documentation or information, please contact me at the address or phone number listed above. 
Thank you for your prompt attention to this matter. 
Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: CA

Complaint narrative:
I have been trying to update my incorrect information on Transunon but they have not dont it at all I need my address changed

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX Balance {$2100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: Self Financial Inc.
State: FL

Complaint narrative:
This account is sitting on my credit and it should not be on my credit due to identity theft. 

Account Number XXXX Account Type Credit Card, Terms XXXX Account Status Paid account/was delinquent XXXX  days past due date Payment Type Revolving Responsibility Individual Opened On XX/XX/XXXX Account Age XXXX yrs Reported On XX/XX/XXXX Acct. Condition Closed Months History XXXX Payment Status Date XX/XX/XXXX Credit Limit {$200.00} Current Balance {$0.00} Highest Balance {$320.00} Payment {$0.00} Past Due {$0.00} Most Recent Payment XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This account is sitting on my credit and it should not be on my credit due to identity theft. 

Account Number XXXX Account Type Credit Card, Terms XXXX  Account Status Paid account/was delinquent 60 days past due date Payment Type Revolving Responsibility Individual Opened On XX/XX/XXXX Account Age 5 yrs Reported On XX/XX/XXXXXXXX  Acct. Condition Closed Months History 12 Payment Status Date XX/XX/XXXXXXXX  Credit Limit {$200.00} Current Balance {$0.00} Highest Balance {$320.00} Payment {$0.00} Past Due {$0.00} Most Recent Payment XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: NJ

Complaint narrative:
Dear To Whom It May Concern, I am writing to formally dispute the following inquiries on my credit report, which I did not authorize and lack a permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. These inquiries are inaccurate, incomplete, and unlawfully reported : Upon reviewing my credit report dated XX/XX/XXXX, I noticed the following inquiries listed : XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Nj XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Via Dealer I did not authorize these inquiries, and I understand that under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ), a consumers consent is required for a legitimate inquiry to occur. Since I did not provide such consent, I believe these inquiries are unauthorized and should be removed from my report. 



Furthermore, I would like to reference the case **XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX. XXXX ), where the court emphasized the importance of accuracy in credit reporting, reinforcing that consumers have the right to dispute any unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: NJ

Complaint narrative:
Dear To Whom It May Concern, I am writing to formally dispute the following inquiries on my credit report, which I did not authorize and lack a permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. These inquiries are inaccurate, incomplete, and unlawfully reported : Upon reviewing my credit report dated XX/XX/XXXX, I noticed the following inquiries listed : XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Nj XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Via Dealer I did not authorize these inquiries, and I understand that under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ), a consumers consent is required for a legitimate inquiry to occur. Since I did not provide such consent, I believe these inquiries are unauthorized and should be removed from my report. 



Furthermore, I would like to reference the case **XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX. XXXX ), where the court emphasized the importance of accuracy in credit reporting, reinforcing that consumers have the right to dispute any unauthorized inquiries.

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The duty pursuant to the FCRA, is TRANSUNION 's to report and file, however they are NOT. TRANSUNION is reporting XXXX inaccurate late payment for XXXX account ending in XXXX. This includes a 30 day late payment posted on XX/XX/year>. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. section 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a " transaction '' within this code.

With that being said, TRANSUNION 's inaccurate reporting of late payments results in them violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written permission or instruction to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA ad the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2025-03-08 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: Kriya Capital, LLC
State: HI

Complaint narrative:
Remove these derogatory items from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I use XXXX and was promised for funds to transfer in minutes into my daughter account but funds are being withheld. I did verification of my identity to verify funds was being sent with my consent. The banks are taking individual funds and not releasing the the funds appropriately after promised payment to be transferred. This should be illegal because using XXXX individuals relies on the information of the date provided before sending the transaction to the other party

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$290.00} XXXX XXXX XXXX Balance {$2100.00} XXXXXXXX XXXX XXXXXXXX Balance {$240.00}

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 2025-03-08 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXXccount number : XXXX Account name : XXXX Account number : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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