vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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 am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-04-23 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: SC

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: KS

Complaint narrative:
XXXX - sent certified letter to remove old names, non-mailable addresses XXXX - delivered and received mail XXXX - received letter to provide proof of identification XXXX - sent certified letter to remove old names, non-mailable addresses, verify and validate 3 charge offs including copies of recent pay stub and W2 for identification XXXX - delivered and received mail XXXX - checked online and shows disputes have been completed- no confirmation, no updates

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX I deposited a third party check for my brother. Been dealing with Chase for 6 months on and off. Third party was verified over 8 times, conference call with the irs to verify the check with the third party. Everything got approved now they are stating that the funds were sent back to the irs on XX/XX/XXXX. Which is not true we did a conference call way after the XXXX of XXXX and the irs even said no funds where sent back that Chase has the funds. The funds were cleared to my account. The irs said you either have to send the funds back or issue a check to the customer they cant resend a check with no funds. They even did a refund trace to show that Chase has the funds and no funds where sent back which I will attach to this complaint Chase is holding my funds after verification with the irs and third party .. the irs did not request funds back nor did Chase send any funds back. So where is the money .. a refund trace is to show that the check was cashed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: MD

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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 identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX Inquiry XXXX XXXXXXXX

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 2025-04-23 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: NJ

Complaint narrative:
I am filing this complaint to escalate a serious issue involving TransUnions repeated violations of the Fair Credit Reporting Act ( FCRA ). I initially disputed this account along with other unauthorized accounts last year, but since XX/XX/year>, I have been disputing this XXXX XXXX account ( Account # XXXX ) individually and repeatedly, and yet it still remains unresolved. I have never authorized this account, nor have I given permission for it to be reported on my credit file. Both Equifax and Experian do not report this account, which further proves the inaccuracy of TransUnions reporting. My most recent dispute, along with all supporting documentation, was delivered to TransUnion on XX/XX/year>. As of the date of this complaint, they have failed to provide any explanation, verification, or resolution. This lack of response violates 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) for failing to reinvestigate within 30 days, 1681i ( a ) ( 6 ) ( B ) ( iii ) for failing to provide the method of verification, and 1681e ( b ) for failing to ensure maximum possible accuracy. The continued reporting of this unverified and unauthorized account, especially after formal notice and supporting evidence, shows a pattern of willful and negligent noncompliance under 1681n and 1681o. I am requesting that the CFPB intervene and require TransUnion to permanently delete the XXXX XXXX account from my credit file, issue a written explanation for its continued reporting, and take appropriate enforcement action for their failure to comply with federal 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 2025-04-23 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
3. A full file disclosure. 
4. An itemized statement breaking down the balance you claim I owe. 
5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
3. A full file disclosure. 
4. An itemized statement breaking down the balance you claim I owe. 
5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed 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 explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: MO

Complaint narrative:
On XX/XX/year> I called their XXXX number ( that I had to find online ) to ask how much I owed and what I have paid and they said they would not be able to give me any information on my account until I submit my drivers license and a full copy of my bank statement. I already have the loan, I and I already made a payment, I received nothing in the mail about any of my account information and was denied access online. So they refused to tell me anything. 
I also called a week prior for the same information and was told the same thing, so I asked to speak to a supervisor and they said the supervisor would call me back. I never received a call or an email, until I received an email that said I was in default. So when I called on XX/XX/year> and got the same information, they said they would have a supervisor call me back. After not hearing from anyone again ; I called the XXXX number and told them I would like to know how much I owe so I can pay it off. They again, told me my account was locked and they could tell me anything. But for some reason this person then put me on hold, and got the total amount I owed and I authorized a payment. 
So I still never received receipt of my payment. Nothing in writing. And I just think it should be illegal to lock my account so that I can not pay. There is no reason that AFTER I already received the loan, after I already made a payment on the loan that I have to give them my drivers license and a bank statement to find out what I owe, so I can pay them. And at 325 % interest, their delaying my ability to make payments, they earn more money off of making things difficult for me to pay it off sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
My credit report indicates a company named exeter has a loan open under my name. I have asked that they provide proof that I requested the loan. They haven't been able to or are unwilling to provide that information. I don't have a loan number, on my credit report they show up as exeter finance llc. They have stolen my identity to open a vehicle loan in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: NY

Complaint narrative:
Hello, I am wanting these inquires to be deleted as I did not authorize these companies to run my credit. 

These are fraudulent. FTC report has been uploaded Thank you

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 2025-04-23 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: NY

Complaint narrative:
Hello, I am wanting these inquires to be deleted as I did not authorize these companies to run my credit. 

These are fraudulent. FTC report has been uploaded Thank you

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 2025-04-23 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am submitting this formal complaint against Experian for their failure to properly investigate and block fraudulent accounts and unauthorized hard inquiries on my credit report, in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c-2 ( Section 605B ). 

In XX/XX/year>, I became aware that I was a victim of identity theft. After reviewing my Experian credit report, I discovered that an account had been fraudulently opened in my name without my knowledge or consent, and that several unauthorized hard inquiries were made. 

In accordance with my rights under FCRA 605B, I formally requested that Experian immediately block the following items resulting from identity theft : Fraudulent Account : XXXX XXXX Account Number : # XXXX Unauthorized Hard Inquiries : XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-04-23 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 am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX * * * * XXXX - XX/XX/XXXX - {$3300.00} XXXX - XXXX * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX * * * XXXX - XX/XX/XXXX - {$690.00} XXXX XXXX XXXXXXXX - XXXX * * XXXX - XX/XX/XXXX - {$280.00} XXXX XXXX XXXXXXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$4200.00} XXXX XXXX XXXX  XXXX XXXX XXXX * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$16000.00} XXXX XXXX XXXXXXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX * * XXXX - XX/XX/XXXX - {$4400.00} XXXX XXXX - XXXX * * * * * * * * XXXX - XX/XX/XXXX - {$3300.00} XXXX - XXXX * * XXXX - XX/XX/XXXX - {$9200.00} INQUIRIES : 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 2025-04-23 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: TX

Complaint narrative:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 explanation
Consumer complaint received 2025-04-23 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: 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 non-monetary relief