vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) all accounts fraudulent in this complaint be DELETED immediately. 

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by TRANSUNION, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 

I am writing to contest inaccurate information on my credit report in accordance with XXXX XXXX. XXXX and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per XXXX U.S.C. XXXX, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked. 

I request, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), that you, the credit reporting agency TRANSUNION, XXXX the information appearing in my consumer credit report resulting from identity theft and fraud within XXXX business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by XXXX XXXX, United States XXXX ( XXXX ), Section XXXX. This also violates my privacy rights under XXXX XXXX, XXXX, XXXX XXXX ( XXXX ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA XXXX. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : 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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: IN

Complaint narrative:
They tried to say I owed {$9200.00} in charges for gift cards I never bought. They took off the charges & then months later put them back saying I owed them when the place they show they were bought at closed my account becouse they showed it was frude. XXXX & XXXX believed us & the credit card compony didnt. XXXXXXXX & XXXX  both said u could clearly see it was frude by the amount of times in a row the cards were bought. Can't understand why the credit card company won't believe me. When i asked the credit card company to investigate it they never did. They told me they would get back with me & never did. Please fix this for us. 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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
These federal student loans were opened in my name during my entry into college in 2021, but the entire application and account setup process was handled by my biological mother. I did not sign any agreements, was not given login access, and had no control over the account. 

I am no longer in contact with her and only recently became aware of these loans after noticing serious delinquencies ( XXXX  days late ) reported on my credit report. These late payments have caused extreme damage to my credit, yet I had no opportunity to manage or even be notified of repayment responsibilities. 

I filed an official Identity Theft Report through the FTC detailing the misuse, and I am now disputing these accounts as identity misuse. I am requesting the removal of all derogatory information related to these loans and a full investigation into how this account was allowed to be created and reported under my name without full authorization or access. 

I also provided documentation supporting my identity and current address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
These federal student loans were opened in my name during my entry into college in 2021, but the entire application and account setup process was handled by my biological mother. I did not sign any agreements, was not given login access, and had no control over the account. 

I am no longer in contact with her and only recently became aware of these loans after noticing serious delinquencies ( XXXX  days late ) reported on my credit report. These late payments have caused extreme damage to my credit, yet I had no opportunity to manage or even be notified of repayment responsibilities. 

I filed an official Identity Theft Report through the FTC detailing the misuse, and I am now disputing these accounts as identity misuse. I am requesting the removal of all derogatory information related to these loans and a full investigation into how this account was allowed to be created and reported under my name without full authorization or access. 

I also provided documentation supporting my identity and current address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
These federal student loans were opened in my name during my entry into college in 2021, but the entire application and account setup process was handled by my biological mother. I did not sign any agreements, was not given login access, and had no control over the account. 

I am no longer in contact with her and only recently became aware of these loans after noticing serious delinquencies ( XXXX  days late ) reported on my credit report. These late payments have caused extreme damage to my credit, yet I had no opportunity to manage or even be notified of repayment responsibilities. 

I filed an official Identity Theft Report through the FTC detailing the misuse, and I am now disputing these accounts as identity misuse. I am requesting the removal of all derogatory information related to these loans and a full investigation into how this account was allowed to be created and reported under my name without full authorization or access. 

I also provided documentation supporting my identity and current address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello, I have made this complaint before, with the old administration, nothing came from it, I have all the dates and information you need, my whole point is that " the payment on my mortgage changed after a support phone call went bad, increasing the payment was in retaliation as a result of that phone call, that is clearly against the law according to that statue. 

I can give you the dates, amounts, and actions, let me know if I should pursue this any further or if you can assist, thanks and XXXX bless.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Date : [ XXXX ] To : [ XX/XX/XXXX] [ Credit Bureau XXXX ] [ XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ] Subject : Formal Dispute of Inaccurate Information on Credit ReportRe : XX/XX/XXXXXXXX Account Unverifiable Late Payments Dear [ XX/XX/XXXX ], I am writing to formally dispute inaccurate information that appears on my credit report under the XX/XX/XXXXaccount. The report reflects late payment ( s ) which I believe to be incorrect and, upon investigation, unverifiable as required under the Fair Credit Reporting Act ( FCRA ).

According to Section 611 of the FCRA, consumer reporting agencies are required to verify the accuracy of any disputed information. I am requesting that you investigate this matter and provide documentation from XXXX XXXX that substantiates the reported late payment ( s ). If the creditor is unable to provide proper verification, these entries must be removed from my credit report immediately.

Below are the details of the disputed account : * Creditor Name : XX/XX/XXXX* Account Number ( last 4 digits ) : * Nature of Dispute : Reported late payments on [ 180 days ], which are inaccurate and unverifiable.

Please reinvestigate this matter and delete any unverifiable or inaccurate information from my credit profile as required by law. Enclosed are copies of my credit report highlighting the disputed entries and a copy of my identification for verification purposes.

I respectfully request a response and resolution to this matter within the 30-day time frame stipulated by the FCRA. Please inform me of the results of your investigation in writing. 
Sincerely, [ XXXX XXXX ] [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: MRS BPO, LLC
State: IN

Complaint narrative:
Account XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you have sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. XXXX XXXX has a collection agency texting my personal cellular device over 10 times a day which is inappropriate. Did not give capital one the consent of sending my number out to text my personal cellular device over excessively. Please delete account # XXXXXXXX XXXX XXXX XXXX XXXX  as soon as possible from my report or I will have to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Management Services, LP
State: MA

Complaint narrative:
XXXX separate companies demanding payment for the same debt. I have requested a debt validation information from both and have ordered a ceased and desist until request id honored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kikoff Inc.
State: IN

Complaint narrative:
Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide XXXX Mail ' with receipt displaying my signature. If not please delete account XXXX XXXX XXXX XXXX XXXX XXXX as soon as possible or I will have to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: DE

Complaint narrative:
A few weeks ago, Chime held my paycheck without warning or explanation. I was financially stuck, unable to pay for basic needs. I reached out to support several times and got nowhere. Out of frustration and desperation, I raised my voice. I admit I used harsh language, I was just trying to access my own money. 

I eventually filed a formal complaint with the CFPB, and shortly after, the funds were released. I thought that was the end of it. 

Now, weeks later, Chime has closed my account without notice, citing behavior. Lets be honestthis was retaliation for calling them out and filing a complaint. The timing makes that obvious. This is not just poor customer servicethis is punitive and abusive. 

I now have no access to banking services or my remaining balance. I can not receive direct deposits or pay bills, and Chime has offered no recourse and no appeals process. 

This company clearly retaliates against customers who stand up for themselves. I'm asking the CFPB to investigate this as a separate issue from my original complaint. Chime should be held accountable for silencing customers through account termination and vague behavior clauses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello. I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize, nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX Inquiry 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 2025-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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