vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX LA XXXX ACCOUNTS : DP OF EDUC - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX OF XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4400.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$140.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$18000.00} INQUIRIES : XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : 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 2025-06-10 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: SD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: MA

Complaint narrative:
I bank with chime online. They allowed transactions to be done even though I reported in their app. I hand a chime rep stating they are part of the security team and they did an transfer to open a new account for me my account was depleted I called chime and disputed provided my call log and the individuals email address and they rejected my dispute 3 times

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  XXXX, XXXX  XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX  - XX/XX/XXXX, XXXX  - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-10 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: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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 2025-06-10 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: SC

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it 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 explanation
Consumer complaint received 2025-06-10 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 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 2025-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to report that I have been a victim of identity theft, which has led to significant unauthorized financial activity across my credit and bank accounts. Over the course of several years, thousands of dollars were fraudulently charged to my credit card ( s ) and withdrawn from my bank account ( s ) without my knowledge or consent.

Due to my habit of consistently making minimum payments on my accounts and trusting that my finances were in order, I did not immediately detect the fraudulent activity. It was only after a thorough personal financial review that I became aware of these unauthorized transactions.

Since discovering this issue, I have taken steps to secure my accounts and report the fraud to the appropriate institutions. I am requesting assistance from the CFPB in addressing the financial damage and helping to resolve any disputes that may arise as a result of this identity theft. I believe the extent of the fraud was exacerbated by how long it went undetected, and I am seeking fair remediation.

Please let me know if any further information or documentation is needed.

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 2025-06-10 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: GA

Complaint narrative:
I am submitting my government-issued ID, a recent utility bill to verify my address, and a formal identity verification letter with this complaint, in full compliance with XXXX request for documentation. Please confirm that these documents are accepted so my dispute may proceed without delay. This is a formal credit reporting dispute to Equifax regarding the inclusion or attempted inclusion of a XXXX XXXX XXXX ( MCM ) tradeline, which allegedly seeks to collect on a XXXX XXXX account. I dispute the accuracy, validity, and legal basis for this tradeline. XXXX XXXX XXXX has failed to provide any verifiable proof that I owe this debt, that they are the rightful owner of the account, or that they have any legal authority to report it. No signed contract, original application, or verified chain of title has been provided despite a prior dispute directly to XXXX. Therefore, under the Fair Credit Reporting Act ( FCRA ), this debt remains legally unverified and must not be reported on my Equifax file. Under FCRA 1681e ( b ), Equifax is obligated to maintain and follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. Any tradeline furnished by XXXX XXXX XXXX must be supported by full and verifiable documentation. If XXXX  can not validate the debt with original, legally binding evidence, it can not lawfully be reported. Moreover, the original XXXX XXXX account associated with this debt has already been deleted from my Equifax credit report. Any subsequent attempt by XXXX XXXX XXXX to re-report the same debt would constitute a re-insertion under FCRA 1681i ( a ) ( 5 ) ( B ). This provision requires that any such reinserted information be certified as accurate and that written notice of the reinsertion be provided to me within XXXX business days. Failure to comply with this legal obligation is a clear violation of federal law and mandates immediate removal of the tradeline. Additionally, under FCRA 1681b ( a ) ( 2 ), all credit reporting must be based on a permissible purpose authorized by the consumer. I have never authorized XXXX XXXX XXXX to report or access any information about me, and no proof of such authorization exists. As such, any attempt to report this debt is not only unverifiableit is also unauthorized. Accordingly, I demand that Equifax reject any current or future attempt by XXXX XXXX XXXX to furnish this account to my credit file. If already reported, I request immediate and permanent deletion under FCRA 1681i ( a ) ( 5 ) ( A ) on the basis that the information is inaccurate, unverifiable, and unlawfully furnished without permissible purpose. Please confirm in writing that this matter has been resolved in full, or provide the results of your reinvestigation along with all supporting documentation within the required legal timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: NJ

Complaint narrative:
In XXXX  I received a letter from a XXXX  XXXX attorney state that I was being sued for a balance that was owed to XXXX  XXXX. I did not open a credit card with XXXX  XXXX and I was trying to avoid having any serious conflict with the law firm and XXXX themselves so I reached out to the lawyers and it was told to sign the documents and send them in to the attorney which I did. Now that I am older, I have been going over my credit report and have noticed that this has still been reported on my credit report and it is inaccurate. I have reached out to XXXX numerous times requesting a debt of validation and verification letter and it has been over a year since they have been able to provide me with such information. XXXX XXXX and their legal representatives have alleged that I am responsible for a debt or financial obligation, yet they have not provided any valid documentation bearing my signature, nor any agreement that shows I knowingly and willingly entered into a contract with them. There is no proof that I authorized any account or transactions. I would also like to bring to your attention that I was underage during the time some of these documents were signed. I signed legal paperwork sent to me by XXXX XXXX lawyers out of fear and confusion, as I did not fully understand the consequences of not signing. I now realize I should not have been held accountable for something I never agreed to or participated in. This situation has caused me significant distress, and I am now being held responsible for a debt I do not owe. I am requesting that the CFPB investigate this matter and hold XXXX XXXX accountable for pursuing a debt with no legal basis or verified consent.

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 2025-06-10 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: NJ

Complaint narrative:
In 2023 I received a letter from a XXXX  XXXX attorney state that I was being sued for a balance that was owed to XXXX  XXXX. I did not open a credit card with XXXX  XXXX and I was trying to avoid having any serious conflict with the law firm and XXXX themselves so I reached out to the lawyers and it was told to sign the documents and send them in to the attorney which I did. Now that I am older, I have been going over my credit report and have noticed that this has still been reported on my credit report and it is inaccurate. I have reached out to XXXX numerous times requesting a debt of validation and verification letter and it has been over a year since they have been able to provide me with such information. XXXX XXXX and their legal representatives have alleged that I am responsible for a debt or financial obligation, yet they have not provided any valid documentation bearing my signature, nor any agreement that shows I knowingly and willingly entered into a contract with them. There is no proof that I authorized any account or transactions. I would also like to bring to your attention that I was underage during the time some of these documents were signed. I signed legal paperwork sent to me by XXXX XXXX lawyers out of fear and confusion, as I did not fully understand the consequences of not signing. I now realize I should not have been held accountable for something I never agreed to or participated in. This situation has caused me significant distress, and I am now being held responsible for a debt I do not owe. I am requesting that the CFPB investigate this matter and hold XXXX XXXX accountable for pursuing a debt with no legal basis or verified consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: NJ

Complaint narrative:
In XXXX  I received a letter from a XXXX  XXXX attorney state that I was being sued for a balance that was owed to XXXX  XXXX. I did not open a credit card with XXXX  XXXX and I was trying to avoid having any serious conflict with the law firm and XXXX themselves so I reached out to the lawyers and it was told to sign the documents and send them in to the attorney which I did. Now that I am older, I have been going over my credit report and have noticed that this has still been reported on my credit report and it is inaccurate. I have reached out to XXXX numerous times requesting a debt of validation and verification letter and it has been over a year since they have been able to provide me with such information. XXXX XXXX and their legal representatives have alleged that I am responsible for a debt or financial obligation, yet they have not provided any valid documentation bearing my signature, nor any agreement that shows I knowingly and willingly entered into a contract with them. There is no proof that I authorized any account or transactions. I would also like to bring to your attention that I was underage during the time some of these documents were signed. I signed legal paperwork sent to me by XXXX XXXX lawyers out of fear and confusion, as I did not fully understand the consequences of not signing. I now realize I should not have been held accountable for something I never agreed to or participated in. This situation has caused me significant distress, and I am now being held responsible for a debt I do not owe. I am requesting that the CFPB investigate this matter and hold XXXX XXXX accountable for pursuing a debt with no legal basis or verified consent.

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 2025-06-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Multiple companies are continuing to report accounts for which I have formally revoked consent and requested immediate removal under FCRA 604 and GLBA. The CRAs are enabling unauthorized data reporting in violation of federal law. Please refer to the attached multi-party revocation notice.

To date, neither the credit reporting agencies, the data furnishers, nor the originating creditors have provided any sufficient documentation to prove that the reporting of these accounts is lawful, accurate, or authorized. No contract, original source records, or permissible purpose disclosures have been produced. 
As such, under the doctrine of estoppel by silenceas upheld in Engelhardt v. Gravens ( Mo ) 281 S.W. 715, 719your failure to respond with legally sufficient evidence constitutes a legal presumption that no such proof exists, and therefore no lawful basis for reporting remains. Accordingly, these accounts must be removed immediately and permanently from my credit file.

Company response to consumer: Closed with non-monetary relief