vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 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: IN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collections/ closed accounts XXXX XXXX  {$12000.00} XX/XX/XXXX XXXXXXXX XXXX  {$2500.00} XX/XX/XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: TX

Complaint narrative:
TransUnion is reporting multiple inaccurate charge-off and collection accounts that are the result of a data breach, including XXXX XXXX XXXX  for {$400.00}, XXXX XXXX  for {$7700.00}, and two XXXX  XXXX accounts for {$7200.00} and {$950.00}. These items are severely damaging and unverifiable. I have not received any documentation containing a valid agreement or wet signature tying me to these accounts. Under 15 U.S. Code 1681e ( b ), consumer reporting agencies must maintain maximum possible accuracy, and continuing to report unverifiable, inaccurate items is a direct violation of this law. Furthermore, per 15 U.S. Code 1681i ( a ), upon dispute, the CRA must perform a reasonable reinvestigation, yet the information remains unchanged without verifiable proof. This is also a violation of 15 U.S. Code 1681n, which holds bureaus liable for willfully failing to comply with FCRA requirements.

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am submitting this complaint regarding the inaccurate late payment reporting by Experian on my credit report. The account XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX has been listed with incorrect late payment information, which I dispute. I have always made timely payments on this account, and the reported late payments are erroneous and unsubstantiated. This violates 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), which requires Experian to ensure the accuracy of the information reported. Experian has failed to remove these false remarks despite multiple attempts to dispute them. The continued inclusion of these inaccurate late payments is damaging to my credit profile and constitutes a violation of my consumer rights. I demand that Experian immediately remove these inaccurate entries from my report, as they can not be supported by the necessary documentation as required by 15 U.S.C. 1681c-2. Any failure to act will be treated as willful negligence.

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 2025-04-24 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: MS

Complaint narrative:
The Credit bureaus continue to report fraudulent information on my credit profile even though have sent police reports and an Identity Theft Affidavit. I requested all documents used to open the fraudulent accounts and I have received nothing, nor has any action been taken

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: VA

Complaint narrative:
I am filing a complaint due to the inaccurate reporting of late payments on my credit report by TransUnion. The account in question, XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX, has been reported with late payment remarks that are incorrect and misleading. These false late payments are being reported despite my records showing timely payments. This is a direct violation of 15 U.S.C. 1681i under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain accurate and complete records. TransUnion has failed to properly investigate and correct these discrepancies despite being given the opportunity. This negligence has caused significant damage to my credit profile and financial standing. I demand immediate removal of the inaccurate late payments, as they can not be substantiated with proper documentation, as required by 15 U.S.C. 1681c-2. I expect swift corrective action, or I will escalate this matter further.

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 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
On XX/XX/XXXX I noticed someone was trying to get into my checking account I got a message on my phone asking if I approved letting someone into my account immediately I called my bank Chase Bank they had me change my login info and the rep said they was trying to take 2 partial payments from my house note which was XXXX and XXXX he said he stopped this from happening he said the money would be put back into my account and then sent back to my mortgage company on XX/XX/XXXX I seen where they put the money back into my account on XX/XX/XXXX it showed up in my account as being sent back to my mortgage company I was in touch with chase and mortgage company on a daily basis mortgage company kept telling me that they had not received the money back chase kept telling me that they received their money by this time I was accumulating late fees and the possibility of losing my home Everytime I called the bank I kept getting the run around until finally I had a rep that did some digging into the account she informed me that chase had the 2 transactions as being paid when they really wasn't she said chase was holding my money I had already closed my account by name they told me over a week ago that they was sending the money back to the lender the lender still has not received the money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am submitting a complaint regarding the inaccurate late payment remarks reported on my Equifax credit report for the account XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX. The late payments reported for this account are completely inaccurate and unsubstantiated. I have records showing that all payments were made on time, and these inaccuracies are causing severe damage to my credit score and financial stability. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), Equifax is required to maintain accurate information, but has failed to investigate and correct these errors. These inaccurate late payments are in violation of my rights, and I demand their immediate removal. The information can not be substantiated with the required proof, as outlined in 15 U.S.C. 1681c-2. Any failure to act will be considered willful negligence and will lead to further escalation of this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: VA

Complaint narrative:
This statement is in regard to a series of unauthorized credit inquiries listed on my Equifax credit report. I have identified several inquiries that were not authorized by me, nor did I provide consent for them to be reported. These unauthorized inquiries include XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX again on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX  on XX/XX/XXXX, XXXX again XXXX XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX XXXX and XXXX XXXX on XX/XX/XXXX. These inquiries were made without my consent, and I demand their immediate removal from my credit report. Under 15 U.S.C. 1681b, the Fair Credit Reporting Act ( FCRA ) prohibits credit bureaus from reporting inquiries unless they are authorized. Equifax has failed to verify that these inquiries were legitimate, and they are in direct violation of my rights as a consumer. The presence of these unauthorized inquiries is damaging to my credit profile and a violation of the law. I demand the immediate removal of all unauthorized inquiries listed above, and I expect my credit report to be updated promptly. Failure to comply with this demand will be considered willful negligence, and I will pursue legal action to ensure compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Date XX/XX/year> Amount {$640.00} made in error.... Closed by consumer....

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion : XXXX XXXX XXXX, XXXX XXXX PA XXXX RE : Unauthorized Inquiry The purpose of my letter is to dispute the following inquiries that are wrong and unauthorized. Please remove them from my Transunion credit report as soon as possible and confirm receipt of this letter. I have never given my permission to report this information on my report, no consent is fraud, which is in clear violation of 12 CFR 1006,34 ( d ) and 15 USC 1681-S29 ( 7 ) ( A ). 


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 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 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 2025-04-24 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.

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to delete the following information from my file. The items I need deleted are listed in the report. 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-04-24 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 am writing to delete the following information from my file. The items I need deleted are listed in the report. 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
BLOCK DUE TO IDENTITY THEFT VS Experian Information Solutions , Inc., DEFENDENT Case Number : XXXX PLEASE SEE ATTACHED RELATING TO Consumer Financial Protection Bureau , PLAINTIFF Experian Information Solutions, Inc. , DEFENDENT Case Number : XXXX SPECIAL ATTENTION TO THE FOLLOWING PARTIES XXXX XXXX, Mass. Bar No. XXXX ( Application for Pro Hac Vice Admission Pending ) email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Phone : XXXX Fax : ( XXXX ) XXXX XXXX XXXX, Cal. Bar No. XXXX Email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Attorneys for Plaintiff Consumer Financial Protection Bureau

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/year>2025 from about XXXX to XXXX XXXX, I spoke to an Experian representative that gave inaccurate information on a recorded line. She admitted to saying that creditors are allowed to do a hard pull without permission. Under the FCRA can do a hard pull if they had " permissible purpose '' specifically if I filled out a form online, applied for something or co-signed, recently had business dealings, or requested a credit line increase. I explained to her that I didn't do any of that and that her statement is inaccurate. Creditors are NOT ALLOWED to do a hard pull without permission. I asked her if I can speak to a manager and she said no one was available. She asked me if I would like to be transferred to another department and I immediately said no. I then explained to her that she should not be sharing inaccurate information to consumers especially regarding the FCRA law and asked again for a manager. She put me on a 45 MINUTE HOLD only to be transferred to the next associate! The next associate hung up on me after I explaining to her my situation. This is all on a recorded line.

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 2025-04-24 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:
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. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX BALANCED {$55.00} This account has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-04-24 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: 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.

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