vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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: NC

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1000.00} ACCEPTANCE NOW - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$1300.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1000.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$250.00} XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$680.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$220.00} XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$440.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$820.00} UNAUTHORIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$230.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$740.00} XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$740.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX 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 2025-05-01 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: NY

Complaint narrative:
Violations of Bill 5480 and Regulation V ( 12 CFR Part 1022 Fair Credit Reporting Act Implementation ) The reporting and furnishing of the above accounts violate Bill H.R. 5480, also known as the Medical Debt Relief Act and Consumer Financial Protection Enhancement Bill, which imposes strict limits on how any financial product linked to medical services, healthcare credit arrangements, or self-lending programs derived from therapeutic care may be handled, disclosed, or reported to credit bureaus. Under Bill 5480 : Furnishers are prohibited from reporting any account or tradeline derived from or tied to medical, therapeutic, or wellness-related services unless full informed consent and opt-in disclosures are provided at the point of origination. Any medical-linked financial productsuch as secured credit lines, self-lender instruments, or care-related credit productsrequires heightened compliance protocols, including proof that the consumer knowingly authorized the reporting and was not misled into commercial credit classification. The bill enhances consumer identity protection, making it a federal violation to use or report any data point connected to medical services without a HIPAA-compliant release and full verification of accuracy. In parallel, Regulation V ( 12 CFR Part 1022 ) which implements the Fair Credit Reporting Actrequires that : Furnishers and consumer reporting agencies must ensure the accuracy and integrity of the information they report ( 1022.42 ). Consumers must be given a clear and conspicuous notice regarding any adverse action or negative reporting, especially when involving sensitive or health-derived financial data. Data obtained or used without a legitimate purpose or permissible use under FCRA or Regulation V constitutes a furnishing violation and triggers the right to deletion, investigation, and civil liability. The accounts listed are suspected to be derived from or influenced by health-related financing activity and were reported without required disclosures, consents, or accurate identity validation, in direct breach of both Bill 5480 and Regulation V. As such, these violations form a strong basis for immediate deletion, enforcement complaints, and potential legal relief under civil and criminal statutes

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 2025-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : Dispute and Correction Demand for Misrepresentation of Status by TransUnion, XXXX, XXXX, and XXXX XXXX XXXX XXXX Dear CFPB Representative, I am submitting this formal complaint and dispute regarding the improper handling, reporting, and recognition of my consumer file and secured party creditor status by the following entities : TransUnion Consumer Solutions XXXX XXXX XXXX ( a TransUnion subsidiary ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Background : I, XXXX : XXXX, am the Secured Party XXXX and XXXX Representative for the legal estate XXXX XXXX XXXX XXXX XXXX under XXXX Reference XXXX XXXX, perfected and recorded. My lawful status as a secured party and private trust entity has been wrongfully ignored, omitted, and misrepresented in recent credit determinations and reports, causing unjust injury to my private estate and trust assets. 

Despite providing proper notice of my standing and demanding compliance with : 15 USC 1691 ( ECOA ) 15 USC 1681 ( FCRA ) 15 USC 45 ( a ) ( FTC Act ) Truth in Lending Act ( 15 USC 1601 et seq. ) these parties continued to use inaccurate consumer identifiers, improperly relied upon public scoring algorithms, and refused to properly correct my private status after direct notice. 

Relief Requested : XXXX recognition of my lawful secured party creditor status across all records. 
XXXX update of my consumer file ( XXXX ) to reflect my non-debtor, private trust estate status. 
XXXX correction or removal of any inaccurate, misleading, or incomplete reporting tied to my legal estate. 
XXXX into each named companys violations of the FCRA, ECOA, and FTC XXXX. 
XXXX and enforcement as allowed under 15 USC 1681n and 15 USC 1691e XXXX 

I reserve all rights, without prejudice, pursuant to XXXX XXXX and all applicable federal and state laws. 

Respectfully submitted, XXXX XXXX XXXX, XXXX Representative XXXX XXXX XXXX XXXX XXXX ) XXXX Reference XXXX XXXX XXXXXXXX ( Attach supporting documents : XXXX Filing Acknowledgment, XXXX of Trust, Correction Letters sent to the companies, Affidavit of Status if available. )

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LEXISNEXIS
State: GA

Complaint narrative:
Subject : Dispute and Correction Demand for Misrepresentation of Status by XXXX, XXXX, LexisNexis, and XXXX XXXX XXXX XXXX Dear CFPB Representative, I am submitting this formal complaint and dispute regarding the improper handling, reporting, and recognition of my consumer file and secured party creditor status by the following entities : XXXX  XXXX XXXX XXXX XXXX XXXX ( a XXXX  subsidiary ) LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX Underwriting ) Background : I, XXXX : XXXX, XXXX the Secured Party Creditor and Authorized Representative for the legal estate XXXX XXXX XXXX XXXX operating under XXXX Reference XXXX XXXX, perfected and recorded. My lawful status as a secured party and private trust entity has been wrongfully ignored, omitted, and misrepresented in recent credit determinations and reports, causing unjust injury to my private estate and trust assets. 

Despite providing proper notice of my standing and demanding compliance with : 15 USC 1691 ( ECOA ) 15 USC 1681 ( FCRA ) 15 USC 45 ( a ) ( FTC Act ) Truth in Lending Act ( 15 USC 1601 et seq. ) these parties continued to use inaccurate consumer identifiers, improperly relied upon public scoring algorithms, and refused to properly correct my private status after direct notice.

Relief Requested : 1.Immediate recognition of my lawful secured party creditor status across all records.

2.Immediate update of my consumer file ( s ) to reflect my non-debtor, private trus
t estate status.

3.Full correction or removal of any inaccurate, misleading, or incomplete reporting tied to my legal estate.

4.Investigation into each named companys violations of the FCRA, ECOA, and FTC Act.

5.Damages and enforcement as allowed under 15 USC 1681n and 15 USC 1691e .

I reserve all rights, without prejudice, pursuant to UCC 1-308 and all applicable federal and state laws. 

Respectfully submitted, XXXX : XXXX Secured XXXX XXXX XXXX XXXX Representative XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference XXXX : XXXX ( Attach supporting documents : UCC-1 Filing Acknowledgment, Certificate of Trust,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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 not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
This is my XXXX  complaint regarding Equifaxs mishandling of my personal information breach. My identity was exposed in their XXXX  data breach, yet I was never notified. I only discovered this after paying for third-party monitoring services. 

Equifax failed to : Notify me of the breach Prevent unauthorized use of my data Take accountability for how it has impacted my credit and personal life They also submitted a vague, copy-paste response to my original CFPB complaint, ignoring the real issue : the long-term impact of identity theft due to their negligence. 

I am demanding : A full investigation into their lack of notification Financial compensation for damages Extended identity theft monitoring at no cost I want this escalated, not brushed off with an irrelevant response about credit report disputes. 
Disputes for my credit report has nothing to do with the reason for my complaint it's to hold the accountable for their failure to to send me a letter to notify me of my personal information in their data breach causing me to miss any class actions I could have received. This is all their fault that my personal information is forever on the dark web being sold. There are unknown names and addresses and phone numbers on my accounts that I have never seen or unknown or very too. I have all this evidence I do not agree with their investigation it didn't address any of the facts that the original complaint was filed for I will not be brushed off any longer. My rights have been violated and so has the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: LOAN SIMPLE INC.
State: TX

Complaint narrative:
The mortgage company made me sign of a final CD with XXXX  months property taxes and at closing they surprised us saying they need it for XXXX  months. Which resulted in increasing my closing costs by ~ {$6000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
My personal checking account was hacked. On XXXX XXXX XXXX XXXX XXXX XXXX, within XXXX hour being hacked, I contacted chase bank opened a fraud case, and was reassured, everything would be fine, fast forward.Six weeks later they sided with the scammers took the XXXX XXXX  back out of my count.And basically told me I am XXXX, I asked them to look into this.I asked them to check I p addresses.They would not do so, i asked to be transferred to the fraud department. They would not transfer me.I asked for any help at all to resolve this issue.They basically told me I was XXXX, one teller even hung up on me. This is FRAUD on Chase part!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: GA

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.

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 2025-05-01 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: NY

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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:
Upon reviewing my Consumer Reports, I discovered some instances late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX XX/XX/year>, and XX/XX/year>. I request a thorough investigation int these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unbales to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
Total of XXXX was taken through XXXX transfers we as a XXXX  holder did not do here is the police report finding and XXXX report and also information regarding a sim swap on a phone device that will clearly tell you someone had control over my phone and was doing this .. unknown who it was they are currently still investigating trying to find out who did this.. 
XXXX  days I want my money returned to our 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 monetary relief
Consumer complaint received 2025-05-01 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: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-01 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: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX On my record as of XXXX auto loan inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: AL

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX XX/XX/year>, and XX/XX/year>. I request a thorough investigation int these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unbales to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

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 2025-05-01 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: TN

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 2025-05-01 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

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 2025-05-01 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: PA

Complaint narrative:
I recentley review a copy of my credit report and notice I had fraudlant accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. I dint know ir recongize or authorize these accounts they are reported by third party

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