vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-06-03 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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 recently became aware that my personal information was exposed due to a data breach, resulting in fraudulent accounts on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX  Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$6500.00} XXXX  - Account Number : XXXX * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$970.00} XXXXXXXX XXXX XXXX Account Number : XXX * * * XXX, Date Opened : XX/XX/XXXX, Balance : {$8700.00} XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$13000.00} XXXX  - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$20000.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CreditNinja Lending, LLC
State: MI

Complaint narrative:
They claim i asked for a loan in my maiden name!!?? I didnot i cant use the phone i dont hear well told them so. They did not care. They tried to tell me i could get on line using the information they gave me i can not. Then they took XXXX from my bank account!!

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 2025-06-03 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-06-03 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: AL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: TX

Complaint narrative:
I am filing this complaint against TransUnion for failing to investigate and correct inaccurate and unverified information on my credit report, despite multiple dispute letters sent on the following dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. 

In XX/XX/XXXX, I submitted a formal dispute letter accompanied by an XXXX XXXX XXXX, detailing violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). TransUnion has not provided any method of verification or adequate response to these disputes. 

The disputed accounts include : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Many of these accounts have already been deleted by XXXX XXXX XXXX highlighting inconsistencies in reporting. 

I am seeking the immediate deletion of these accounts from my TransUnion credit report and monetary compensation for each violation as outlined in my attached documents.

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 2025-06-03 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-06-03 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: LA

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 XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: FL

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XXXX XXXX, XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX 2024

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: NJ

Complaint narrative:
I am submitting this complaint against XXXX XXXX ( XXXX XXXX XXXX XXXX and the relevant credit reporting agencies for failure to properly investigate and remove a clearly fraudulent account from my credit report, in violation of the Fair Credit Reporting Act ( XXXX  ). 
An unauthorized account was fraudulently opened in my name with XXXX XXXX ( administered by XXXX XXXX ), which I promptly disputed upon discovery. I submitted all required documentation to XXXX and the credit reporting agencies, including : A detailed written statement of fraud A police report An FTC Identity Theft Report Proof of identity and address Despite this, XXXX has failed to conduct a reasonable investigation under XXXX U.S.C. XXXX ( b ), and the account remains inaccurately reported. Their response was either perfunctory or entirely absent. This negligence not only constitutes a failure to investigate but also represents a willful disregard for my consumer rights. 
XXXX and XXXX XXXX have provided no justification for maintaining the fraudulent tradeline, have not removed the account, and continue to negatively impact my credit standing. This inaction is unlawful and harmful.

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 2025-06-03 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: NJ

Complaint narrative:
I am submitting this complaint against XXXX XXXX ( XXXX XXXX XXXX XXXX and the relevant credit reporting agencies for failure to properly investigate and remove a clearly fraudulent account from my credit report, in violation of the Fair Credit Reporting Act ( XXXX  ). 
An unauthorized account was fraudulently opened in my name with XXXX XXXX ( administered by XXXX XXXX ), which I promptly disputed upon discovery. I submitted all required documentation to XXXX and the credit reporting agencies, including : A detailed written statement of fraud A police report An FTC Identity Theft Report Proof of identity and address Despite this, XXXX has failed to conduct a reasonable investigation under XXXX U.S.C. XXXX ( b ), and the account remains inaccurately reported. Their response was either perfunctory or entirely absent. This negligence not only constitutes a failure to investigate but also represents a willful disregard for my consumer rights. 
XXXX and XXXX XXXX have provided no justification for maintaining the fraudulent tradeline, have not removed the account, and continue to negatively impact my credit standing. This inaction is unlawful and harmful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Dispute of Unauthorized Credit Activity FCRA Violation Dear [ XXXX  / XX/XX/XXXX/ XXXX  ], I am writing to dispute the following accounts and inquiries listed on my credit report. I did not authorize the use of my credit for these accounts and have not given consent for any applications, charges, or credit pulls related to them : XXXX. Capital One XXXX. XXXX / XXXX Credit Card XXXX. COAF ( Capital One Auto Finance ) XXXX. XXXX DOD These accounts and/or inquiries were not authorized by me and may be the result of fraud or identity theft. I did not open or apply for these accounts, nor did I authorize anyone else to do so on my behalf. 

Under the Fair Credit Reporting Act ( XXXX  ), I am requesting that these accounts and any related inquiries be fully investigated. If the furnisher can not provide written proof that I authorized these accounts ( such as a signed application or IP-authenticated authorization ), I request immediate removal from my credit report. 

Additionally, under XXXX U.S.C. XXXX ( a ) ( XXXX ), I request a detailed description of the procedures used in your reinvestigation, to be provided within XXXX  days of its completion. 

Please also consider this a formal request to place a fraud alert on my file and notify me of any further attempts to use my credit. 

Thank you for your immediate attention. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. U. S. C. XXXX ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-06-03 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 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 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 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FEDChex Recovery, LLC
State: FL

Complaint narrative:
I have no recollection of any business transaction with either " FEDCHEX RECOVERY LLC ". Currently this organization is reporting a delinquency with the balance of {$2200.00} with major credit reporting agencies including XXXX. After my own investigation I confirmed with the Florida XXXX of XXXX that at neither " company " has a valid and current corporate status. In fact, the company is acting in bad faith and will be reported to the BBB, XXXX, AND IRS. Now that I am aware of this tradeline unlawfully reporting on my consumer report. I would like to conduct a further investigation. Please submit all documents that you have submitted to consumer reporting agencies.Any information used to create this tradeline on my credit report and tax documentation filed for cancellation of debt from original creditor. I have reason to believe that you unlawfully obtained my personal identification information. Without my prior consent, which, you have used to create this tradeline on my credit report. Let me explain, if you have used my Name and any other personal identifiable information such as : a social security card, driver license, or my address. Without a signed agreement between me and your agency. That expresses mutual assent from both parties. Then you are facing some serious penalties under the UNITED STATES CODE. Pursuant XXXX USC XXXX Aggravated identity theft. ( See United States *. * * *, XXXX XXXX XXXX, XXXX ) " Pursuant to XXXX U.S.C XXXX XXXX ( a ) ( XXXX ), a person is guilty of aggravated identity theft if, in relation to any crime listed in XXXX ( c ), he " knowingly... uses, without lawful authority, a means of identification of another person. '' The statute defines the term " means of identification ''. To mean " any name or number that may is used alone, or in conjunction with any other information. To identify a specific individual, including any name, social security number, [ or ] date of birth. '' Meaning if you used XXXX separate forms of identification without my consent. Then you committed aggravated identity theft under XXXX XXXX XXXX. Transunion has removed the account over XXXX  times within the past year from collection attempt from FEDCHEX RECOVERY LLC! I'm disturbed with the credit reporting debt collection tatics and I need help... If you delete this tradeline and provide payment for {$2200.00} tradeline, I will drop my claim against the companies.

Company response to consumer: Closed with explanation