vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 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:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1500.00} XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$65.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$860.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$93.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$70.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} UNAUTHORIZED INQUIRIES XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on 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 2025-01-07 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-01-07 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-01-07 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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 have identified information on my report that are result of identity theft these accounts do not belong to me 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 2025-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with fraud alerts or security freezes — 
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I've recently discovered that someone has been using my personal information without my permission, so I'm now a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: NJ

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: CT

Complaint narrative:
I, XXXX XXXX , residing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, am writing to formally report an incident of identity theft involving unauthorized hard credit inquiries made to my credit report. These unauthorized pulls appear to have occurred between XX/XX/XXXX, and XX/XX/XXXX. 

Unauthorized Hard Credit Pulls : The following unauthorized credit inquiries were made without my knowledge or consent : XXXX XXXX XXXX XXXX XXXX - Hard pull on XX/XX/XXXX XXXX XXXX XXXX - Hard pull on XX/XX/XXXX XXXX XXXX XXXX XXXX - Hard pull on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX - Hard pull on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Hard pull on XX/XX/XXXX Reason for Belief of Identity Theft : I strongly suspect that my personal information was compromised, leading to these unauthorized credit inquiries. I have not applied for any credit with these companies, nor do I have any legitimate business with them. I believe my sensitive personal data may have been stolen or exposed through some form of fraud, either through a data breach, phishing attack, or another means.

Actions Taken : Contacted Credit Reporting Agencies : I have made direct attempts to contact the credit reporting bureaus ( XXXX, XXXX, and TransUnion ) to dispute these unauthorized hard pulls. Unfortunately, I have not received adequate assistance or resolution.

Identity Theft Protection : I am actively monitoring my credit report and have taken steps to safeguard my personal information, including placing a fraud alert on my credit file.

Despite these steps, the unauthorized credit inquiries remain on my report, and I am requesting that the credit bureaus investigate this matter further, take appropriate action, and remove these fraudulent hard pulls from my report.

Request : I respectfully request that the credit bureaus take immediate action to : Investigate these unauthorized inquiries.

Remove the fraudulent hard pulls from my credit report.

Provide any guidance or steps I should take moving forward to prevent further instances of identity theft.

Please contact me if any further information or documentation is required to assist in resolving this matter. I can be reached at my contact information below. 

Contact Information : Phone : ( XXXX ) XXXX Email : 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 2025-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I logged on to my bank account at Pennsylvania XXXX XXXX XXXX XXXX and selected transfer and selected the XXXX to transfer money from my account personal checking at XXXX to my personal checking account at Navy Federal Credit Union. I then added myself as a contact to complete the transfer along with my Navy Federal bank account number and routing number. The XXXX program showed my bank account as XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX with Navy Federal Credit Union listed as the bank - appearing correct. It accepted my bank account and routing number allowing me to make the transfer. I never received the money after the {$150.00} transfer cleared on XX/XX/year>. I made multiple phone calls to XXXX, XXXX and NFCU with no resolve. I filed a dispute with XXXX and it was denied - they said I entered the account number therefore I authorized the transfer. However I was arguing I didnt receive the money. I was told that the first XXXX digits of the account number didnt match my NFCU account number. I still to this day can not see the full account number I entered on the XXXX application provided through XXXX and should not be penalized for this. I asked XXXX to return my money due to this set back with their application and still havent received the money or a return call from bot XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: TX

Complaint narrative:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$38000.00} 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 Balance Owed : {$1900.00} 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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I am writing to formally request the removal of an account listed under your organization on my credit report. The account in question reflects a balance of {$1400.00} and was dismissed under Rule 3-506. 

Despite the case being dismissed, the account continues to appear as a derogatory mark on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and updated information on my credit report. Since the case has been dismissed, the continued reporting of this account as derogatory is both inaccurate and unjustified. 

I kindly request that this account be removed from all credit reporting agencies immediately to reflect the true status of the case. I have attached supporting documentation for your review. 

Please confirm receipt of this message and advise when the necessary corrections will be made. Should you require additional information to process this request, do not hesitate to contact me at your earliest convenience. 

Thank you for your prompt attention to this matter. 
olved Parties Information Plaintiff 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding Equifax , specifically in relation to the recent data breach that has compromised the personal information of countless consumers, including myself. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I request the removal of fraudulent information from my credit report that has resulted from identity theft and fraud. XXXX is legally required to complete this action within four business days of receiving this complaint. *Fraudulent INQUIRES to be Removed : * XXXX XXXX XX/XX/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 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 XXXXXXXXThe accounts listed above are fraudulent and have led to numerous unauthorized hard inquiries appearing on my FICO credit report. These entries are unequivocally tied to identity theft and are negatively impacting my credit standing. To substantiate my claim, I have enclosed documentation of my FTC Identity Theft Complaints XXXX ), which serves as compelling evidence that these accounts, inquiries, and collections are the result of identity theft and fraud. The negligence of Equifax in safeguarding consumer data has enabled identity thieves to exploit my personal information. I expect immediate action to rectify this matter, with acknowledgment of receipt of this complaint and confirmation of the steps being taken to remove the fraudulent information. Failure to comply with this legal obligation will compel me to take further action, including escalation to the CFPB, Federal Trade Commission, and legal avenues available to protect my rights as a consumer. Thank you for your attention to this urgent matter. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: NJ

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. XXXX XXXXXXXX Balance : {$1500.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$7900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$23000.00} XXXXXXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$7900.00} XXXXXXXX XXXX XXXX Balance : {$23000.00} XXXXXXXX XXXX XXXX XXXXXX/XX/year>

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 2025-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: KY

Complaint narrative:
I had unauthorized transactions on my Chime account that totaled to {$340.00}. 

XX/XX/XXXX, XXXX {$14.00} and {$9.00} XX/XX/XXXX, XXXX {$14.00}, {$19.00}, {$9.00}, {$19.00}, {$9.00}, {$14.00}, {$19.00}, {$14.00}, {$19.00}, {$19.00}, {$9.00}, {$14.00} XX/XX/XXXX, XXXX {$14.00}, {$14.00}, {$14.00}, {$19.00}, {$14.00}, {$19.00}, {$19.00}, {$14.00} I have disputed these a couple times and they denied them each time. They reopened it again but I dont have time to wait for them to possibly deny it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX and Equifax credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. XXXX XXXX XXXX Balance : {$7000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: TX

Complaint narrative:
: This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , delete, 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. 

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 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the accounts as mentioned above, collections, or hard inquiries as reported. The accounts as mentioned above, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All accounts mentioned above, collections, and hard inquiries result from 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 result from identity theft and fraud. 

Furthermore, whenever I attempt to dispute these items online, the website always denies the attempts. I have called representatives, but they do not help with any matter, information, or how to dispute these items.

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 2025-01-07 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: IL

Complaint narrative:
I recently pulled my credit report & found some inaccurate accounts that were reporting. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of buying a new reliable vehicle to drive my daughter around in. Please review all of my documents and remove the accounts that are listed.

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