vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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: GA

Complaint narrative:
" I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items 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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
TransUnion XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Dear To Whom It May Concern, I am writing to formally dispute the following inquiries on my credit report, which I did not authorize and lack a permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. These inquiries are inaccurate, incomplete, and unlawfully reported : Upon reviewing my credit report dated XX/XX/XXXX, I noticed the following inquiries listed : XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX I did not authorize these inquiries, and I understand that under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ), a consumers consent is required for a legitimate inquiry to occur. Since I did not provide such consent, I believe these inquiries are unauthorized and should be removed from my report. Furthermore, I would like to reference the case * * XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX. XXXX ), where the court emphasized the importance of accuracy in credit reporting, reinforcing that consumers have the right to dispute any unauthorized inquiries.

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 2025-05-06 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: IL

Complaint narrative:
XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. 

Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : Current Address and Name : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/1989 My correct Social Security number : XXXX My correct address is : XXXX XXXX XXXX XXXXXXXX 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 2025-05-06 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 2025-05-06 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: WI

Complaint narrative:
XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX - XX/XX/XXXX - {$1100.00} XXXX - XX/XX/XXXX - {$1800.00} XX/XX/XXXX - {$1200.00} XXXX - XX/XX/XXXX - {$1100.00} XXXX - XX/XX/XXXX - {$1100.00} XXXX - XX/XX/XXXX - {$6800.00} XXXX - XX/XX/XXXX - {$4800.00} XXXX - XX/XX/XXXX - {$2500.00} XXXX - XX/XX/XXXX - {$2400.00} XXXX - XX/XX/XXXX - {$1000.00} XXXX - XX/XX/XXXX - {$1800.00} XXXX XXXX  XX/XX/XXXX - {$490.00} XXXX - XX/XX/XXXX - {$670.00} XXXXXXXX XXXX  - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$1800.00} XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$1800.00} XXXX - XX/XX/XXXX - {$3500.00} XXXX XXXX XX/XX/XXXX - {$17000.00} XXXX - XX/XX/XXXX - {$2400.00} XXXX - XX/XX/XXXX - {$1100.00} XXXX - XX/XX/XXXX - {$3400.00} XXXX - XX/XX/XXXX - {$3700.00} XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX XX/XX/XXXX - {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
XXXX XXXX, XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: NV

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
XXXX XXXX XXXX REPORTING FRAUDULENT INFORMATION ON 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 2025-05-06 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: TX

Complaint narrative:
My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. 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 in XXXX OF XXXX, XXXX AND XXXX OF XXXX to be removed. 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. XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 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! Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: IL

Complaint narrative:
I am writing to follow up on a previously disputed collection account that remains on my credit report despite the debt collector 's failure to validate the debt. This account is currently being reported by : - Debt Collector : XXXX XXXX XXXX - Original Creditor : XXXX XXXX XXXXXXXX - Account Number ( Partial ) : XXXX XXXX XXXX XXXX XXXX  - Amount Reported : {$1800.00} Under the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( b ), once a consumer files a dispute, the credit reporting agencies and furnisher are required to conduct a reasonable investigation and verify the accuracy of the information. XXXX XXXX XXXXding failed to provide : - A valid Assignment of Contract or Bill of Sale to prove they purchased this specific debt - A signed agreement or contract showing I agreed to the alleged debt - A breakdown of charges, statements, or account history These are basic documents needed to substantiate their legal right to report and collect this alleged debt. 
Since the collector has failed to verify or validate the account with sufficient evidence as required by law, I am demanding that this unverified collection account be permanently deleted from my credit report. 

Please reinvestigate this entry. If it can not be fully verified with proper documentation, it must be removed as required by law.

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 2025-05-06 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: WI

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 non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: IL

Complaint narrative:
To Whom It May Concern : I am filing this formal complaint against The CBE Group , Inc. ACCOUNT # XXXX for willfully re-reporting an account that was previously disputed, deleted, and confirmed as inaccurately reported. 

In the past, I filed a dispute with the credit bureaus regarding an account reported by The CBE Group , Inc., which resulted in the account being removed due to inaccurate reporting. I also submitted a complaint with the CFPB, and the outcome acknowledged that The CBE Group , Inc. failed to verify the debt and was responsible for reporting inaccurate information, causing unwarranted damage to my credit profile.

Despite the resolution and deletion, I recently discovered that The CBE Group , Inc. has again reinserted this invalid account on my consumer credit reports without notification or proper validationa direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 611 ( a ) ( 5 ) ( B ), which requires a data furnisher to notify the consumer within 5 business days of any reinsertion of previously deleted information.

Furthermore, The CBE Group , Inc. has never provided a proper debt validation letter despite multiple requests, which also violates the Fair Debt Collection Practices Act ( FDCPA ).

This pattern of misconduct shows willful noncompliance and continued harassment. I am demanding the following : 1. Immediate removal of this account from all consumer reporting agencies.

2. A cease and desist order prohibiting The CBE Group , Inc. from further contact or collection attempts regarding this alleged debt. 
XXXX. An investigation into their unlawful practice of reinserting unverifiable accounts. 

Please address this matter promptly and ensure my rights under the FCRA and FDCPA are enforced. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: AZ

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is XXXX me out and making me XXXX. Hope you can address this soon, please.

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 2025-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am writing to file a formal complaint regarding a serious fraudulent incident involving my business account with Bank of America. Over a month ago, a fraudulent check in the amount of {$35000.00} was cashed out of my account without my authorization or knowledge. 

This check was clearly fake for the following reasons : It did not contain my name, address, or business information. 

It did not have my signature. 

I did not issue or authorize this check in any way. 

Despite reporting this to your fraud department promptly and speaking to multiple representatives, managers, and supervisors over the past month, the issue remains unresolved. I was told that a hardship credit would be applied to my account while your investigation proceeded. That promise has since been denied without explanation, and I have received no reimbursement for the funds fraudulently withdrawn from my account. 

This is unacceptable. As a business owner, the mishandling of this fraudulent transaction has caused significant operational harm, potential reputational damage, and financial instability. 

I am formally requesting : Full reimbursement of the {$35000.00} immediately. 

A complete copy of your internal fraud investigation report. 

Written confirmation of the actions being taken to resolve this matter. 

This is not a credit card dispute this is cash that was stolen from my account due to the banks failure to detect an obviously fraudulent check. I demand that Bank of America take immediate action to correct this issue and return my funds without further delay. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Account # : 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 monetary relief
Consumer complaint received 2025-05-06 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding multiple accounts that have been improperly reported by XXXX on my my credit report without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ) required by 12 CHR 1006,34 ( D ( 3 ), yet they have proceeded to place : ( XXXX XXXX XXXX  XXXXXXXX ), ( XXXX XXXX XXXX XXXX ), ( XXXX XXXXXXXX XXXX ), ( XXXX XXXX XXXX  XXXX ) accounts on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. 2. I have not been afforded the opportunity to dispute the account in accordance with 12 CER 1006.34 ( c ) ( 4 ) ( 1 ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debts. 1.XXXX has resorted to false, misleading, and deceptive means in their reporting efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 2.Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). XXXX is flagrantly disregarding consumer protection statutes. I did not receive any notice from : ( XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX ), ( XXXX XXXXXXXX XXXX ), ( XXXX XXXX XXXX XXXX ) accounts on my consumer report providing me the opportunity to dispute the validity of this debt within 30 days, as required by law. Additionally, I have attempted to submit supporting documents proving that my information was compromised in the XXXX breach and documents proving that I am a victim of identity theft. This has caused significant harm to my credit score and has resulted in undue financial and emotional stress. I kindly request that the CFPB investigate this matter, as I believe these accounts were reported without following the proper legal procedures. Additionally, I request that XXXX  remove these accounts from my credit report and cease all collection efforts immediately. Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation