vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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: PA

Complaint narrative:
DISPUTE & COMPLAINT LETTER UNAUTHORIZED INQUIRIES DUE TO SUSPECTED DATA BREACH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX To : Experian / Equifax / TransUnion / XXXX ( Also valid for submission to the FTC and CFPB ) RE : Formal Dispute and Complaint Unauthorized Credit Inquiries Resulting from Suspected Identity Theft and Data Breach To Whom It May Concern, I am writing to formally dispute and report multiple unauthorized hard inquiries that have appeared on my credit file. Between XX/XX/XXXX and XX/XX/XXXX, over XXXX inquiries were conducted by lenders and financial institutions that I did not authorize or engage with. 

As a resident of XXXX, I suspect these unauthorized inquiries may be related to the City of Philadelphia Data Breach that occurred from XX/XX/XXXX to XX/XX/XXXX. This incident, publicly confirmed by city officials, involved unauthorized access to city email accounts containing private information including Social Security numbers, drivers license details, and financial data. I have strong reason to believe that my identity was compromised as a result. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), no entity may access a consumer 's credit file without explicit consent and a permissible purpose. Therefore, under 15 U.S.C. 1681i, I am requesting a formal investigation into each of the following inquiries. If any entity can not provide verifiable proof of my signed authorization, I request that the inquiry be permanently removed from my credit report. 

INQUIRIES TO INVESTIGATE AND REMOVE : 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 XXXXXXXX / XXXX XXXX XXXX XXXX XXXX XXXX REQUESTED ACTIONS : Conduct a full investigation of the listed inquiries Permanently remove all inquiries lacking proof of consent Provide me with a written explanation of your findings Issue an updated copy of my credit report reflecting corrections If this matter is not resolved within 30 days, I will proceed with formal complaints through the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) using this documentation. 

Thank you for your prompt attention to this serious matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-05-09 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: FL

Complaint narrative:
Hi, I have been exposed to identity theft and there is no way XXXX XXXX XXXX should have my information! Please remove this fraudulent account off my consumer report immediately, or I will TAKE FURTHER LEGAL ACTION!

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 2025-05-09 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:
Upon reviewing my consumer credit reports, I observed that you are reporting negative informationspecifically late paymentsto consumer reporting agencies in relation to my account. Pursuant to 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( E ), the Fair Credit Reporting Act does not require financial institutions to furnish negative information about a consumer.

In addition, under the Truth in Lending Act ( 15 U.S.C. 1666b ( a ) ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. As a financial institution governed by the Gramm-Leach-Bliley Act, you also have an obligation to safeguard my privacy. I have never lawfully consented to the disclosure of my nonpublic personal information to any nonaffiliated third parties, nor was I provided a clear explanation of how to opt out of such disclosures, as required under 15 U.S.C. 6802.

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 2025-05-09 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: NC

Complaint narrative:
I am filing this complaint due to numerous reporting errors regarding a XXXX XXXX XXXX XXXX credit card account on my credit reports from Experian, Equifax, and TransUnion. The information being reported is inaccurate, inconsistent, and misleading violating the Fair Credit Reporting Act ( FCRA ).

Here are the specific issues : Conflicting Account Statuses : One bureau reports the account as open, while the others report it as charged off/closed. A debt can not be both open and charged off its one or the other.

Different Account Numbers Across Bureaus : The same account is being reported with three different account numbers. This inconsistency creates confusion and makes it difficult to verify the accounts legitimacy or history.

Inconsistent Credit Limits : One report shows a {$0.00} limit, while another shows a limit of {$11000.00}. This causes an artificially high credit utilization rate, impacting my score.

Inaccurate Payment History : One bureau shows no payment history, one shows 83 % on-time payments, and another shows 0 % on-time payments. These can not all be true.

Conflicting Remarks and Statuses : Remarks include : " Consumer Disputes After Resolution, '' " Dispute Resolved Consumer Disagrees, '' and Unpaid Balance Reported as a Loss. These remarks contradict each other and are being reported inconsistently. 


Violations of FCRA Sections : Under FCRA 1681e ( b ), credit bureaus are required to maintain maximum possible accuracy.

Under FCRA 1681i, they must properly investigate disputes.

The differing data points, incorrect statuses, and unverified account numbers show a clear lack of proper procedures and verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: MI

Complaint narrative:
I am not liable for this debt with. I do not have a contract with progressive they did not provide me with the original contract as I requested

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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:
I am filing this complaint due to the continued and unlawful reporting of inaccurate, incomplete, and unverifiable information on my consumer credit report by Experian. 
Despite multiple prior disputes and the submission of verified documentationincluding an FTC Identity Theft Reportthis company has failed to conduct a lawful reinvestigation or correct/remove the disputed item in violation of federal law. Violations Involved : - FCRA 1681i failure to properly investigate disputed information within 30 days. - FCRA 1681s- 2 ( a ) continued reporting of information known or reasonably known to be inaccurate. - Regulation V ( 12 CFR 1022.43 ) failure by furnisher to comply with direct dispute obligations. This behavior is nearly identical to the misconduct referenced in prior CFPB complaints such as : - CFPB Complaint # XXXX resulted in non-monetary relief and correction of identity theft-related errors. - CFPB Complaint # XXXX resulted in successful removal of unverifiable accounts data following a formal dispute. Consumer Harm and Requested Relief : As a direct result of this companys ongoing violations, I have suffered : - Inaccurate credit reporting affecting creditworthiness and financial opportunities. 
- Emotional distress and unnecessary time and effort to correct this issue. - Denials or unfavorable terms for financial products due to incorrect reporting. 
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 2025-05-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Account Name : 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 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 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 has violated my rights. On a list of inquiries : ( attached 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish an account without my written instruction.

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

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

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 2025-05-09 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: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00}

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 2025-05-09 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: FL

Complaint narrative:
These fraudulent inquiries are affecting my ability to obtain credit, I need them removed immediately.

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 2025-05-09 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: PA

Complaint narrative:
Please proceed with blocking and removing the unauthorized accounts from my credit report without delay. I did not authorize or initiate these accounts and do not recognize them. As outlined under USC 1681g, I am formally requesting their removal within 15 days. I have attached the relevant documentation for your examination. Furthermore, the account details reported to each bureau are inconsistent and incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
RE : To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX, Michigan XXXX Phone Number : Telephone : ( XXXX ) XXXX Social Security Number : SS # : XXXX Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my Identification card as well as a recent copy of my ( Bank statement, utility bill, ID ) for your verification. 



Best Regards,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: PA

Complaint narrative:
Please proceed with blocking and removing the unauthorized accounts from my credit report without delay. I did not authorize or initiate these accounts and do not recognize them. As outlined under USC 1681g, I am formally requesting their removal within 15 days. I have attached the relevant documentation for your examination. Furthermore, the account details reported to each bureau are inconsistent and incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD

Complaint narrative:
In XXXX of 2025, I paid my Capital One credit card balance in full and the account was closed. Unbeknownst to me, additional interest had accrued by the time I paid the balance in full. The additional interest did not post until several weeks later, so the account had a XXXX balance for several weeks. Since I believed the account was closed and paid in full, I never logged in to my Capital One account and I had no knowledge of the additional interest charge. Late fees were then accessed over multiple months when I did not pay the interest, and additional interest continued to accrue. Since XXXX of XXXX, Capital One has never mailed or emailed me a statement showing a balance due, nor did Capital One notify me in any other manner that interest had been charged and a payment was due. I only found out about the balance after an alert from a credit monitoring service, which informed me that Capital One reported a late payment to the credit bureaus. The fact that Capital One took no action to notify me of the additional interest after the balance was paid in full and the account was closed, then Capital One continued to access late fees over multiple months, all without any communication or correspondence of the balance due, seems intentionally deceptive on the part of Capital One. Frankly, it seems like a desperate attempt by Capital One to extract additional fees and interest after an account closure. Capital One should have attempted to notify me of the interest charge and the balance due, rather than let the balance continue to accrue late fees every month. Had I not received notice from a credit monitoring service, who knows how long the account would have continued to accrue late fees until it was discovered. Now my credit score has been damaged over less than {$30.00} of interest that I was unaware that I owed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX, Michigan XXXX Phone Number : Telephone : ( XXXX ) XXXX Social Security Number : SS # : XXXX Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my Identification card as well as a recent copy of my ( Bank statement, utility bill, ID ) for your verification. 



Best Regards,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was reviewing a copy of my XXXX XXXX  credit report and discovered it contained some errors pertaining to my Addressand I am requesting that you promptly INVESTIGATE and UPDATE the Address that I never resided and may possibly be listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, TX 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 2025-05-09 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: FL

Complaint narrative:
I sent a letter, along with my identification, proof of address, and explanation describing in detail the incorrect information published on this account, in my credit report. I requested for a proper investigation resulting in the information remaining inaccurate and incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: NJ

Complaint narrative:
I am writing to formally dispute a fraudulent charge on my credit card account [ Account XXXX : XXXX. I did not authorize the transaction described below and request that it be removed from my account immediately. 

Details of the fraudulent transaction : Date of XXXX Merchant name : XXXXXXXX XXXX XXXX  Amount charged : {$7300.00} XXXX became aware of this unauthorized charge on [ Date you noticed the charge ] when reviewing my credit card statement. I have no knowledge of this transaction and did not authorize anyone to use my credit card for this purchase. I suspect that my account may have been compromised and am taking the necessary steps to protect my identity.

In accordance with the Fair Credit Billing Act ( FCBA ), I am requesting that you investigate and resolve this matter promptly. Please confirm in writing that the charge has been removed and that my account has been credited for the disputed amount.

Enclosed are copies of [ supporting documents such as your statement with the charge highlighted, a fraud affidavit, or any correspondence related to the dispute ].

Please acknowledge receipt of this letter and keep me informed of the progress and outcome of your investigation. I appreciate your prompt attention to this matter. 

Sincerely, 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