vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 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: LA

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 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 XXXXXXXX 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 2025-04-09 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: IN

Complaint narrative:
I am disputing these accounts and inquiries because they are fraudulent and unauthorized. I did not open these accounts nor did I apply for any credit that would justify these hard inquiries. This is a clear case of identity theft. I demand that these items be investigated and permanently removed from my credit report immediately.

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 2025-04-09 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: 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 XXXX USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : 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 explanation
Consumer complaint received 2025-04-09 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: VA

Complaint narrative:
I am requesting the removal of any profiles, under XXXX ( A ) as credit bureaus have not complied with previous digital requests, and repeatedly harassed me via physical mail.

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 2025-04-09 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: VA

Complaint narrative:
I am requesting the removal of any profiles, under XXXX ( A ) as credit bureaus have not complied with previous digital requests, and repeatedly harassed me via physical mail.

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 2025-04-09 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: CA

Complaint narrative:
Please remove negative accounts these accounts are not mine and you guys are violating my consumer laws by reporting inaccurate information on my credit report Company or Organization : XXXXXXXX XXXX Account Number : XXXX Date that I discovered it : XX/XX/year> Total fraudulent amount : {$5300.00} XXXX XXXX XXXX XXXX XXXX XXXX or Organization : XXXX XXXX XXXX Account Number : XXXX  Date that I discovered it : XX/XX/year> Total fraudulent amount : {$7200.00} XXXX XXXX XXXX XXXX XXXX XXXX or Organization : XXXX XXXX Account Number : XXXX Date that I discovered it : XX/XX/year> Total fraudulent amount : {$7200.00} Fraudulent Personal or XXXX XXXX XXXX or Organization : XXXX  Account Number : XXXX Date that I discovered it : Total fraudulent amount : {$250.00} Company or Organization : XXXX Account Number : XXXX Date that I discovered it : XX/XX/year> Fraudulent Information on XXXX XXXX XXXX fraudulent amount : {$890.00}

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 non-monetary relief
Consumer complaint received 2025-04-09 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 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 2025-04-09 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 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 2025-04-09 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 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 2025-04-09 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Increase credit score due to paid off debts including mortgage, car loan and credit card debt. 
Removal of late credit card payments. 
Removal of debts older than 2 years

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 2025-04-09 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:
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. 

The accounts below have violated my rights. 
XXXX XXXX XXXX section XXXX. 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 XXXX XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-04-09 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: IL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : 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 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 2025-04-09 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:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 2025-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRUSTMARK CORPORATION
State: MS

Complaint narrative:
This is going on the XXXX  time with trustmark national Bank that customers continue to make payments on their credit card and the payments are not posted to the account in any form of a timely manner. This is affecting credit reporting as well as the use of their credit cards. It is making them look like they are using large portions of their credit card to credit reporting. This is also making it we're customers are not able to use their credit cards because the payments are not being posted. We have contacted XXXX  and all they can tell us is the company they are using is having some issues. This continues to happen over and over again and XXXX is not taking any steps to have it rectified they are just passing the ball onto this company without having the matter corrected. When our payments are not posted to our credit card it makes our credit card bill seem higher and that bill is reported to the credit bureau this then affects our XXXX XXXX. This has been going on with XXXX  for some time now and it seems as if they are not doing anything to rectify this issue. When we call in to XXXX  they tell us that they are aware of the issue. We have even had some of the customer service agent say they know how scary this is not to have access to your money because some of this is also affecting the debit cards. The other day I also tried to use my debit card and it was affected as well. This can not continue where XXXX  continues to have effects with people 's money and they do nothing about it or continue to just say we're working on it and it continues to take weeks at a time and continues to happen over and over and over again. It is not okay for someone to just reach out to XXXX  and them say we're working on it again and that be the end of it there needs to be some type of consequence for this to continue to happen and for consumers and customers to have to deal with this being reported to their credit for them to have to deal with them not having access to their credit cards for them to have to deal with them not having access to their debit cards this is not okay there should be some type of consequence for them not doing their job and for this happening over and over and over again and it not being rectified. I can't just change banks in the middle of all this because my card is still stuck with the money being in limbo that I'm waiting to be posted.

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 2025-04-09 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: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-04-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: DISCOVER BANK
State: NY

Complaint narrative:
On XX/XX/XXXX, I received a letter from Discover Card stating that they received a change of address notice from the US Postal Office of a change of address. I immediately called Discover to inquire why they received my change of address notice as I have no business with them. They ( Discover Card ) stated that they can not provide me any additional information on the matter. 
Then in XX/XX/XXXX, I received a 1099-C form stating that the amount of debt of {$34000.00} was discharged on XX/XX/XXXX. 
When I called Discover Card, I told them that I was not aware of such loan. On XX/XX/XXXX I received mail stating they were conducting an investigation. I also requested that they send me all the correspondences, which they sent. I saw on the copy of the original loan application that my sister XXXX XXXX XXXX was the culprit, who had used my identity and used my vital documents ( such as my social security number, driver license ) a co-signer for the loan. However, unbeknownst to me. I also found out that many of the correspondences ( loan approval letter, payment information letter ) from Discover card were only addressed to her. This therefore, excluded me from becoming aware of this loan at an earlier time. 
However, all I wanted the Discover Card to find and indicate after the investigation was that my identity was clearly used without my knowledge. Nonetheless, Discover Card, after their investigation and on XX/XX/XXXX, they concluded and determined that I authorized the establishment of the loan and indicated it as loan Number XXXX, which was open on XX/XX/XXXX. 
I believe that Discover Card was in violation of the Truth in Lending Act ( XXXX ) ; a lack of proper notification. This is because as mentioned above, the approval letter and loan payment information was only addressed to my sister.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
In accordance with 15USC 1692C and 15USC 1692G code, a debt collector can not harass a client with phone calls or any means. There are charged off accounts on my reports that were paid off, but still show balances on my reports which is improper and against the law. Now, these debt collectors have not shown any proof of validation claim that I signed any contracts or agreements that I owe these debts. with these findings, I find these actions as ( Unlawful, Inaccurate, Incomplete, Incorrect and Fraudulent ). Due to some data breach from XXXX, XXXX and XXXX, I had some set backs that decreased my score in event to apply for a credit card and loan. I will like CFPB to look into this and get it resolved by deleting this false information of my records. I have disputed this complaints to these companies and credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: MD

Complaint narrative:
I have provided western union with the tracking number of the transaction that were made to scam me. I have provided my FTC complaint ID, IC3 complaint ID, and local police department 's incident report number, but western union denied me my money. The clerk at the western union location did not ask me if I was sending money to a scammer or an unknown individual that I have never met before. I came upon this mandatory questions required by the transfer service by a online forum and policies of the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: CITIBANK, N.A.
State: CO

Complaint narrative:
According to my XXXX report, Citibank updated the remarks in XX/XX/year> to profit and loss write-off and in XX/XX/year> to canceled by grantorboth after I submitted a dispute in XX/XX/year>. These updates were made while the investigation was still pending, and no resolution had been sent to me. I didnt receive any documentation or response from Citibank until XX/XX/year>. 

These actions violate the Fair Credit Reporting Act ( FCRA ), as furnishers are not allowed to continue updating disputed accounts without marking them as disputed and completing the investigation. This has directly harmed my credit profile and delayed my ability to resolve the matter. 


I submitted an identity theft dispute via email to XXXX XXXX XXXX on XX/XX/year>, regarding a fraudulent Citibank account. Despite this, my XXXX credit report was updated with derogatory remarks on XX/XX/year>, during the pending investigation period. I did not receive any findings or written response until XX/XX/year>, when a packet postmarked XX/XX/XXXX arrived with documents dated as late as XX/XX/XXXX. 

The company reported the account as Profit and Loss Write-off and Canceled by Grantor before completing their investigation or providing findings to me. This is misleading and a potential violation under the FCRA, as the debt was disputed due to identity theft. 

Attachments provided include : Screenshot from my XXXX report showing the XX/XX/XXXX update Original dispute email dated XX/XX/year> Cover letter from XXXX XXXX XXXX dated XX/XX/year> Tracking info and envelope from the XX/XX/XXXX delivery I am requesting that the account be removed from my credit report and that the company be held accountable for updating my report during an unresolved investigation.

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 2025-04-09 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: PA

Complaint narrative:
Subject : FORMAL DISPUTE AND DEMAND FOR VALIDATION FCRA & FDCPA VIOLATIONS To Whom It May Concern, I am writing in response to your recent verification regarding the account listed under XXXX XXXX XXXX on my Equifax credit report. 

Let me be clear : THIS IS NOT MY DEBT. 

Your response fails to meet the legal standard for verification under the FAIR CREDIT REPORTING ACT ( FCRA ) and the FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ). Stating that Equifax verified that this item belongs to you is NOT A VALID FORM OF DEBT VALIDATION. I am formally requesting the following : FULL VALIDATION OF THE DEBT UNDER XXXX U.S.C. XXXX ( B ), including : - A COPY OF THE ORIGINAL CONTRACT BEARING MY SIGNATURE- THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR - A FULL ITEMIZED ACCOUNTING OF THE ALLEGED BALANCE - DOCUMENTATION SHOWING PORTFOLIO RECOVERY HAS LEGAL STANDING TO COLLECT THIS DEBT IMMEDIATE REINSERTION OF THE DISPUTED NOTATION on my credit report as required under FCRA 623 ( A ) ( 3 ), or COMPLETE DELETION OF THE TRADELINE if you can not comply.

*****You have removed the dispute language while continuing to report the account a SERIOUS VIOLATION OF FEDERAL LAW!!! ****** If you are UNABLE TO VALIDATE THIS DEBT and CORRECT OR DELETE THE TRADELINE within 15 DAYS, I will escalate this matter with the CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ), FEDERAL TRADE COMMISSION ( FTC ), and MY STATE ATTORNEY GENERAL. I am also prepared to PURSUE LEGAL ACTION FOR DAMAGES under both the FCRA and FDCPA. 

This is your opportunity to resolve this AMICABLY by IMMEDIATELY DELETING the account from ALL CREDIT REPORTING BUREAUS.

Company response to consumer: Closed with non-monetary relief