vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 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: OH

Complaint narrative:
I need my XXXX to match TransUnion report all of the negative items are either fraud or incorrect

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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
According to Law FCRA Section 605B it is illegal to report information on my credit report without my permission. I have no knowledge of this account and it has been well over 30 days to investigate and resolve the issue. I want it removed from my credit report.

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 2025-04-02 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: IL

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have aske the CRA 's for a validation of debt ; however, the information has not been provided. Due to my information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: State Collection Service, Inc.
State: WI

Complaint narrative:
I am writing to formally report that I am a victim of identity theft connected to the massive data breach involving all three major credit bureaus. As a result, my personal identifying information ( PII ), including but not limited to my name, address, and Social Security number, has been compromised and used to create or authorize fraudulent accounts and derogatory records reflected in my credit reports. 

ISSUE SUMMARY : My legal name is being reported incorrectly. 

My address information is inaccurate or outdated. 

There are contracts, accounts, and inquiries on my credit reports that I did not authorize, apply for, or sign. 

I have no legal obligation or signed agreement with these entities. 

I have made several unsuccessful attempts over the years to correct this information directly with the credit bureaus and creditors to no avail. 

My rights under the Fair Credit Reporting Act ( FCRA ) and Identity Theft laws have been repeatedly violated. 

LEGAL SUPPORT : As per the Fair Credit Reporting Act ( FCRA ) : 1681c-2 ( a ) Block of information resulting from identity theft : I have the right to request that consumer reporting agencies block reporting of any information that I identify as resulting from identity theft, so long as I provide proof of identity and a copy of an identity theft report. 

1681i Procedure in case of disputed accuracy : Upon notification of a dispute, a credit reporting agency must conduct a reasonable reinvestigation and correct or delete inaccurate, incomplete, or unverifiable information within 30 days. 

1681s-2 Responsibilities of furnishers of information : No person or entity may furnish information they know or have reasonable cause to believe is inaccurate. 

1681g Disclosure to consumers : I have the right to request all information in my file and to be informed of the sources of the information. 

Additionally, under the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ), the unauthorized use of personal information is a federal crime. Any company or bureau continuing to report fraudulent or unverifiable accounts after being made aware of this breach is violating federal law and subject to penalties. 

DATES REPORTED : XX/XX/year> BALANCE BEING REPORTED : {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I as sent {$300.00} via XXXX  to my bank account XX/XX/year>. I changed my phone number to my bank account a couple days before on XX/XX/year>. When trying to access the funds via XXXX, which I have used before with my account, I am unable to get into the application. It says unable to verify my identity. I have gone through the digital verification a few times with my ID and am unable to see or access my funds. My bank is SoFi. The funds came from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: IN

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 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 2025-04-03 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: AZ

Complaint narrative:
I am writing to formally dispute an account that I believe has been opened fraudulently in my name. Upon reviewing my recent statements, I noticed a [ fraudulent charge/account ] that I did not authorize. Here are the relevant details of the account in question : Account name : XXXX  XXXX Account Number : XXXX Date of Fraudulent Activity : XX/XX/year> Amount of Fraudulent Charge : {$600.00} I have taken the following steps to resolve this issue : I have contacted the company to notify them of the fraudulent activity. 

I have filed a police report regarding this matter. The report number is XXXX I have contacted the credit reporting agencies and placed a fraud alert on my account to protect against further misuse of my personal 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 2025-04-03 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: 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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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 non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
In XXXX  I found a vehicle online advertising for {$8900.00} from a company called XXXX XXXX XXXX XXXX MD, I put {$4000.00} down payment and was talked into financing the balance They finance the vehicle through CREDIT ACCEPTANCE a predatory Lender who I found you guys have a lawsuit against. I actually called you guys about this problem back in XXXX but you had little information on there practices I tried to return the vehicle XXXX days latter after I figured out the lies and deception that had me in but they would not take the vehicle back and I told them that I will not pay for it the vehicle went from XXXX XXXXXXXX my {$4000.00} to {$16000.00} to now {$28000.00} and they have destroyed my credit which is on my credit report I need some help

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 monetary relief
Consumer complaint received 2025-04-02 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.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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 XXXX  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 2025-04-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXX XX/XX/XXXX Credit Bureau XXXX Equifax Equifax information services LLC [ XXXX XXXX XXXX, XXXX GA XXXX Subject : Formal Dispute and Demand for Immediate Removal of Inaccurate Accounts under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally dispute the inaccurate and unverifiable accounts currently being reported on my credit file with Equifax. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information reported is 100 % accurate, verifiable, and in compliance with federal law. Failure to do so constitutes a violation of my consumer rights. 

The accounts in question are : XXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXXXXXX XXXX IL XXXX XXXX XX/XX/XXXX Pursuant to 15 U.S.C. 1681i ( a ), I demand an immediate investigation into these accounts. If these accounts can not be fully verified by original source documentation, they must be permanently removed from my credit file. As per 15 U.S.C. 1681e ( b ), you are legally obligated to maintain maximum possible accuracy. The continued reporting of inaccurate or unverifiable information is a clear violation of this statute.

Additionally, I have suffered financial harm due to your failure to uphold FCRA compliance. I have been denied loans, credit cards, and subjected to increased interest rates, directly affecting my financial well-being. Under 15 U.S.C. 1681n and 15 U.S.C. 1681o, I reserve the right to seek legal damages for willful and negligent noncompliance if these errors are not rectified immediately.

I am providing a copy of my government-issued ID, proof of residence, and a copy of my credit report highlighting the disputed accounts. You have five ( 5 ) days from receipt of this letter to permanently remove these inaccurate accounts, or I will be left with no choice but to escalate this matter legally.

Please send me written confirmation of the deletion of these accounts upon completion of your investigation. I expect full compliance and a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: GA

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. 

XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I have already attempted to resolve this issue directly with the creditor or financial institution, but I have not received a satisfactory resolution. I am now requesting assistance in addressing this matter to ensure that my rights as a consumer are protected during the bankruptcy process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: MO

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 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 2025-04-02 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: AR

Complaint narrative:
Requested a proper investigation and reinvestigation of information on my credit report that inaccurate. No information was provided and the incorrect information still remains..

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 2025-04-02 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:
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 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 2025-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: OK

Complaint narrative:
I have an account with cash app for my ball team and have had it for over a year with no problems using or accessing the account till a made an app update. At that point I was unable to log into my account. I was on the phone making multiple calls and emails trying to make a resolution. After multiple attempts to provide them with all the info they needed to fix it I was told there is nothing they can do. The money in the account are funds for a basketball team for kids that have made the money by fundraisers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: TX

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 2025-04-03 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:
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 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 2025-04-03 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: TX

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 2025-04-03 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: LA

Complaint narrative:
I HAVE DISCOVERED UNATHORIZED ACCOUNTS AND INQUIERIES ON MY CONSUMER REPORT, PROMPTING ME TO FILE A COMPLAINT WITH THE FEDERAL TRADE COMMISSION ( FTC ). MY GREVANCE IS DIRECTED TOWARDS TRANSUNION, EXPRIAN, EQUIFAX FOR INFRINGING UPON MY COSUMER RIGHTS BY INCLUDING THESE ACCOUNTS IN MY CREDIT REPORT. I STRONGLY BELIEVE THAT THIS SITUATION EXPLOITS ME, AND I SEEK SESOULUTION. 
ACCOUNTS XXXX  XX/XX/XXXX {$710.00} DEPT OF ED XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX {$720.00} XXXX XXXX {$700.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2600.00}, XXXX {$1100.00} 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 explanation