vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 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: OR

Complaint narrative:
USC 1681S-2 ( B ) PRIVATE RIGHT OF ACTION MY CREDIT REPORT MUST BE ACCURATE AND COMPLETE - COMPLETENESS AND FULL ACCURANCY AND MUST BE REVIEWED BY AND LAW BIDING HUMAN IN THE FRAUD DEPARTMENT I DIDNT AUTHORIZE MY CREDIT TO BE LOOKED INTO AND CHECKED OUT CEASE AND DESIST OF FALSE REPORTING I HAVE A FEDERAL TRADEMARK ON MY NAME THIS IS CLEAR VIOLATION XX/XX/year> XXXX PLAINTIFF : XXXX XXXX XXXX XXXX DEFENDANTS : EQUIFAX, EXPERIAN, TRANSUNION POLICE REPORT NUMBER : XXXX FTC REPORT:XXXX CEASE AND DESIST OF FRAUD REPORTING ATTN : TRANSUNION, EQUIFAX, EXPERIAN title and trade violation> ACCORDANCE TO TITLE 15 USC ( a b 1 2 3 4 ), USC6803 ( a 1 2 3b ), USC 1681b, USC 1681S-1-2 USC 1681a2 , USC 1692g , USC 1681 ( e b ), USC 1681 ( 2x I ), USC 1666b billing error 12 CFR 1026.13, USC 1681 YOUR COMPANY IS IN VIOLATION OF ALL THE ABOVE CONSUMER LAWS SWAL I DIDNT GIVE CONSENT I DIDNT AUTHORIZE MY CREDITTTT TO BE LOOKED INTO OR CHECKED OUT TO HAVE THIS FRAUD PRIVATE UNAUTHORIZED ALLEGED ACCOUNT TO BE FURNISHED IT READ : XXXX XXXX  XXXX I DIDNT SIGN ANY ANY DISCLOSURE FORMS OR GAVE PErMISSIBLe PURPOSE TO THIS ALLEGED DEBT TBED I dont even know who this company is and if this alleged DEBT WAS MINE XXXX DOSEDNT EVEN HAVE LICENSE TO COLLECT ON DEBT IN OHIO, DELETE THE ALLEGED ABOVE ACCOUNT IMMEDIATELY THIS HAS CAUSED HARM IF NOT DELETED I WILL MOVE TO LITIGATION IM SERIOUS ABOUT MY LIFE I WILL SUE IN FEDERAL COURT I know your company didnt investigate the above alleged acct if you did you would know that XXXX doesnt even HAVE LICENSING TO COLLECT ON ANY COMMERCIAL ACCOUNTS AT ALL I HAVE NO BUSINESS WITH THIS COMPAN .DELETE NOW SINCEreLY, DELETE IN RECEIPT AFFIANT : XXXX : XXXX. Living WOman far from being dead Beneficiary OF PLAINTIFF XXXX XXXX XXXX not the TRUSTEE UCC1-308 WITHOUT PREJUDICE WITHOUT RECOURSE STOP PLAYING WITH MY PERSON ESTATE

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 2025-06-21 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: PA

Complaint narrative:
I would like the following charge off accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 

Account : XXXX XXXX XXXX XXXX  # XXXX Account : XXXX Card # XXXX Please apply these laws to my accounts : Section 607 15 USC 1681 ( E ) Compliance Procedures 15 USC 1666 Correction of Billing Error I need your help in a serious matter involving my credit report. After reviewing my credit, I realized that you might be reporting damaging information to my name. Please review the following : I see that these account ( XXXX ) have a charge off status and yet there is a past due balance on this report, do you know that is a violation? I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I dont believe the status of this account is accurate either. Delete this due to multiple violations. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

After you have finished my request, send me a copy of my credit report reflecting these changes.

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 2025-06-21 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: PA

Complaint narrative:
I would like the following charge off accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 

Account : XXXX XXXX XXXX XXXX  # XXXX Account : XXXX Card # XXXX Please apply these laws to my accounts : Section 607 15 USC 1681 ( E ) Compliance Procedures 15 USC 1666 Correction of Billing Error I need your help in a serious matter involving my credit report. After reviewing my credit, I realized that you might be reporting damaging information to my name. Please review the following : I see that these account ( XXXX ) have a charge off status and yet there is a past due balance on this report, do you know that is a violation? I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I dont believe the status of this account is accurate either. Delete this due to multiple violations. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

After you have finished my request, send me a copy of my credit report reflecting these changes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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:
It has come to my attention that my personal information was exposed in a national data breach, putting me at risk of identity theft. Upon reviewing my credit reports, I noticed accounts that I am unfamiliar with and did not authorize. I have requested validation of these alleged debts from the credit reporting agencies as required under the FCRA ( XXXX U.S.C. XXXX ) and FDCPA ( XXXX XXXX. XXXX ), but no proper validation has been provided. Given that my information was compromised through no fault of my own, I am demanding the immediate deletion and blocking of these fraudulent accounts within XXXX business days, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ). If this matter is not resolved promptly, I will pursue further action for non-compliance with federal consumer protection laws. These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

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 2025-06-21 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:
It has come to my attention that my personal information was exposed in a national data breach, putting me at risk of identity theft. Upon reviewing my credit reports, I noticed accounts that I am unfamiliar with and did not authorize. I have requested validation of these alleged debts from the credit reporting agencies as required under the FCRA ( XXXX U.S.C. XXXX ) and FDCPA ( XXXX XXXX. XXXX ), but no proper validation has been provided. Given that my information was compromised through no fault of my own, I am demanding the immediate deletion and blocking of these fraudulent accounts within XXXX business days, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ). If this matter is not resolved promptly, I will pursue further action for non-compliance with federal consumer protection laws. These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

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 2025-06-21 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: NV

Complaint narrative:
It has come to my attention that my personal information was exposed in a national data breach, putting me at risk of identity theft. Upon reviewing my credit reports, I noticed accounts that I am unfamiliar with and did not authorize. I have requested validation of these alleged debts from the credit reporting agencies as required under the FCRA ( XXXX U.S.C. XXXX ) and FDCPA ( XXXX XXXX. XXXX ), but no proper validation has been provided. Given that my information was compromised through no fault of my own, I am demanding the immediate deletion and blocking of these fraudulent accounts within XXXX business days, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ). If this matter is not resolved promptly, I will pursue further action for non-compliance with federal consumer protection laws. These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Chase is willfully reporting fraudulent credit card accounts to all three credit bureaus, despite being provided a notarized identity theft affidavit, FTC ID Theft Report, police report, XXXX proof of delivery ( XX/XX/year> ), and clearance from XXXX XXXX XXXX and ChexSystems. 

They reinserted a previously deleted account without proper verification and mailed the reinsertion notice to an address I have never lived at. I provided a notarized affidavit of addresses showing this. This violates FCRA 605B, 611 ( a ) ( 5 ) ( B ), and 623. Chase also retaliated during XXXX XXXX calls and mishandled XXXX prior CFPB complaints. I am demanding full deletion of all fraudulent tradelines and financial compensation for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: TN

Complaint narrative:
b"I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act (FCRA), XXXX XXXX XXXX, which mandates a reasonable investigation of disputes. Furthermore, Experian's actions may also contravene the Consumer Financial Protection Act (CFPA), XXXX XXXX XXXX), as highlighted in the CFPB's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act (FCRA), XXXX XXXX XXXX which mandates a reasonable investigation of disputes. Furthermore, Experian's actions may also contravene the Consumer Financial Protection Act (CFPA), XXXX XXXX XXXX, as highlighted in the CFPB's recent administrative proceeding (File No. XXXX) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked as inaccurate. -XXXX XXXX XXXX XXXX-BANKRUPTCY DISMMISED CH-XXXX XXXX -BANKRUPTCY DISMMISED CH-XXXX XXXX XXXX XXXX XXXX XXXX"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I am writing to dispute an unauthorized XXXX XXXX bill that is appearing on my credit report. The account number in question is XXXX. This bill does not belong to me and is the result of fraudulent activity after I moved residences. 
On XX/XX/XXXX, I moved out of my previous address at XXXX XXXX XXXX XXXX XXXX, NC XXXX. Upon moving, I established new XXXX XXXX service for my new residence at XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX. When setting up the new service, I specifically informed XXXX XXXX that I was moving out of the XXXX XXXX address and needed to terminate service there. 
However, it appears XXXX XXXX incorrectly continued my account at XXXX XXXX XXXX XXXX the new residents who moved in after me. These individuals then fraudulently ran up a significant bill, which I am now being held responsible for. My new XXXX XXXX account for XXXX XXXX XXXX XXXX was consistently in good standing, with typical monthly charges around {$36.00}. Suddenly, one month, the bill jumped to approximately {$3600.00}, which is clearly associated with the unauthorized activity at my former address. 
I did not authorize anyone to use my personal information to continue service at XXXX XXXX XXXX XXXX nor did I authorize the accumulation of such a large balance. This is a clear case of fraudulent charges on an account that should have been closed when I moved. 
I request that this fraudulent XXXX XXXX account and its associated balance be immediately removed from my credit report. I have attached copies of my police report and FTC report to support my claim. 
Please investigate this matter thoroughly and provide written confirmation once this erroneous entry has been removed from my credit file. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: CLGF Holdco 1, LLC
State: AZ

Complaint narrative:
Milestone or their parent organization Concora Credit agreed to remove all late payments from my credit report as they were their error only related to a fee that was for a card I was unable to use. They sent CFPB and me a letter agreeing to this but have yet to remove the late payments from my credit report and continue to validate them as accurate when disputed with the credit agencies. This is another great example of the fraudulent and misleading business processes of this organization. I will be reporting them to the attorney general for investigation if this is not resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I didn't authorize this account to be open in my name. 
Fcra 605b-1681c-2 Please remove this account off my name

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 2025-06-22 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: AR

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. As well as I need all soft and hard inquires from all 3 credit bureaus deleted immediately. if not removed within 3 days I will make sure to send the letter for intent to sue. 

Please find attached a copy of my ID, the FTC complaint, a copy of a data breach report showing my information being exposed in a national data breach and a validation of a debt letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: MI

Complaint narrative:
On [ XX/XX/year> ], I was charged {$490.00} by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card. The merchant clearly told me that this charge would be converted into an EMI ( installment plan ) and that the full amount was refundable at any time if I chose not to continue. Based on these promises, I made the payment.

However, the EMI was never applied to my credit card. When I requested a refund, the merchant refused and instead fabricated pro-rata charges for services I never approved or accepted. The services ( e.g., resume and LinkedIn edits ) were AI-generated and not delivered professionally. The merchant also pressured me to make a second payment using a different platform ( XXXX ), claiming only then would I get my Discover payment refunded which I refused.

I contacted Discover immediately after this and was told by an agent that I would receive a confirmation email for my dispute. That email never arrived. I followed up later and was told there was no record that the dispute had been properly submitted.

I then submitted my evidence after Discover marked the charge as not fraud. I was later told that the documents were not enough and that the case would not be reopened. I was also told that this is not credit card fraud because I gave my card to the merchant, ignoring the fact that the merchant misrepresented the transaction and refused to honor the refund they promised. Discover has refused to assist any further.

Im submitting this complaint to request a fair and complete review of the case. I have complete chat logs, emails, and screenshots showing the EMI and refund promises, as well as the fabricated charges and threats from the merchant. I respectfully ask that CFPB require Discover to review the case properly and assist in recovering my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: FL

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 2025-06-21 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: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: PA

Complaint narrative:
I am writing to formally request a debt validation and reinvestigation of the following accounts listed on my credit report, as allowed under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 15 U.S.C. 1692g.

I previously submitted disputes for the accounts listed below. However, the investigation was closed and marked updated on the same day it was received, without a proper inquiry or any supporting documentation from the data furnisher. This is a direct violation of my rights under the FCRA.

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 2025-06-21 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: PA

Complaint narrative:
I am writing to formally request a debt validation and reinvestigation of the following accounts listed on my credit report, as allowed under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 15 U.S.C. 1692g.

I previously submitted disputes for the accounts listed below. However, the investigation was closed and marked updated on the same day it was received, without a proper inquiry or any supporting documentation from the data furnisher. This is a direct violation of my rights under the FCRA.

Company response to consumer: Closed with explanation