vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 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: WA

Complaint narrative:
Consumer name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, 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. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report, Ive attached a list of hard inquires in question as well as a copay of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the results of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results 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 2025-03-24 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:
THEY TRIED TO OPEN A CREDIT CARD IN MY NAME XXXX XXXX XX/XX/year>

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 2025-03-24 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: CT

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: CT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I disputed the debt ( {$1100.00} ) with the original creditor without hearing anything back. A few weeks later I get an email from Diversified Adjustment Service. I never agreed to anything with them and I did send in a dispute informing them of the inaccurate information. The account was updated as if it was just opened and new total ( {$2000.00} ) I never agreed to anything with that company. " 15 U.S. Code 6802 " This debt has been sold to a # rd party entity and can not try collecting on it or reporting it to a credit agancy, which is in fact also a 3rd party entity. I would like this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/year>, I approached a private financial group inquiring refinancing my home loan and other debts. I specifically, upon filling out their electronic application, elected for my private information NOT to be sold or passed on to other companies. 

However, shortly thereafter began receiving an exuberant number of calls ( more than 60 per day, plus text messages ) soliciting my business for reasons of taking out loans and reconciling debts.

When I spoke to my private financial group, I was assured that they did not sell my information, however, they were very aware that the major

three credit reporting agencies do, in fact, sell my information anytime a Hard Inquiry is made on my behalf. I find this atrocious that I am taken full advantage of by the same agencies that hold my financial credit future hostage, and now they, in fact, are c
hiefly responsible for leaving me completely vulnerable to Identity Theft, based on their completely negligent business practices ... THS NEEDS TO STOP!!!

Experian Equifax TransUnion

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/year>, I approached a private financial group inquiring refinancing my home loan and other debts. I specifically, upon filling out their electronic application, elected for my private information NOT to be sold or passed on to other companies. 

However, shortly thereafter began receiving an exuberant number of calls ( more than 60 per day, plus text messages ) soliciting my business for reasons of taking out loans and reconciling debts.

When I spoke to my private financial group, I was assured that they did not sell my information, however, they were very aware that the major

three credit reporting agencies do, in fact, sell my information anytime a Hard Inquiry is made on my behalf. I find this atrocious that I am taken full advantage of by the same agencies that hold my financial credit future hostage, and now they, in fact, are c
hiefly responsible for leaving me completely vulnerable to Identity Theft, based on their completely negligent business practices ... THS NEEDS TO STOP!!!

Experian Equifax TransUnion

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Torriere Holdings INC
State: CA

Complaint narrative:
I am constantly bombarded with phone calls and texts message about a debt I owe. I will pay it. But, please stop the harassing calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Credit cards were opened by others in my name and fraudulent activities happened without my knowledge, permission or approval. No explanation was given and I was told someone would contact me. Never happened. Reports were made to ReportFraud.ftc.gov and to XXXXdentitythieft.gov to include freezing my credit reports with XXXX. Not really sure who else I should be reporting to that I am a victim of identity thief.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
An account was placed onto my account by Spring Oaks capital. I have never had an account with the company who they bought the debt from and have never been notified or contacted about the debt in question. They sent me a bogus bill as a way to verify that it was my account that has an address that I never lived at. I have asked them to remove from my credit report and yet they refuse. I have filed an FTC complaint and will attach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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 REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: CA

Complaint narrative:
I am a victim of identity theft. There were inquiries fraudulently made to my personal credit. I have sent in proof to the credit bureaus but they refused to have these removed. They are breaking the credit law. Please have this resolved with the credit bureaus by having them remove these inquiries immediately off my credit! Names of the companies and dates are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
When applying for lease with XXXX XXXX XXXX, they were able to obtain my credit information online in less than 30 seconds through TransUnion. When I attempt to go online and obtain a copy of my report I am denied access and the representatives says they are having problems with their online systems. It seems unethical and misleading that a company can obtain my credit report online but I am unable to obtain the same report they are viewing. 
When I applied for credit last year, this happened and I received a different report through the mail than what was reported by the creditor. This is fraud and misleading by TransUnion. 
After attempting to chat online with their service department of the TransUnion I was advised to clear my cache and history to see if that will help alleviate the issue I was seeing accessing my report online. After i educated them of the issue it would create with the current chat session then they switched to inform me that they were having a current issue with their website and all online users were seeing this issue. 

The attached screenshots will show how misleading the conversation exchange was between me and the service representative. First how they suggested I clear my cache and then how they admitted to having an issue with the site and how it was impacting everyone. 

Other screen shots will show how after I cleared my cache the buttons would appear on the dispute or credit report page however I was still receiving an issue disputing or accessing my report online.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: TX

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 2025-03-24 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: MD

Complaint narrative:
For years TRANSUNION has been reporting and refusing to remove negative items on my credit report which has ruined my life. The amount of money due to their negligence is overwhelming. I just had to file bankruptcy. The incorrect reporting is being done because TRANSUNION is acting in concert with other entities to keep me with high interest rates and in return keeps me in debt. I plan on filing a lawsuit against TRANSUNION there should be absolutely nothing negative on my report and I will continue to report and file claims against TRANSUNION until this matter has been resolved

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am a victim of identity theft Experian is reporting fraudulent addresses, names and accounts and inquires 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 explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I closed my XXXX XXXXXXXX XXXX credit card on XX/XX/year>. It was removed from my payment history when it was last reported on XX/XX/year>. I also closed my Credit Acceptance account on XX/XX/year> and it was also removed from my payment history when it was last reported on XX/XX/year>. However, they both have reappeared on my payment history and have negatively affected my credit and ability to apply for other applications. I understand that it can show up for up to XXXX  years after closing, but once it is removed, it shouldn't reappear. If it would have shown up since I closed it in XXXX of last year and still on my report I would understand, but once it is removed and shows my payment history as 100 %, it should not randomly reappear months later. I disputed both companies through XXXX XXXX with my dispute reason being " I closed this account, payment history/rating is incorrect ''. Once the dispute came back, it was labeled as resolved and result was " Approved ''. However, nothing was corrected and the accounts still show up on my payment history. I would like both accounts to be removed like it was before and my payment history to be restored to 100 %.

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 2025-03-24 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: MI

Complaint narrative:
I looked at my report back on XXXX XXXX  2024 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. 
This account XXXX XXXX,, XXXX XXXX, XXXX XXXX XXXX XXXX is not complete and it's not accurate. 

XXXX XXXX open date is not reporting correctly, Account type, Terms, payment status and Last date reported on this account is not accurate XXXX XXXX, Balance, number of months, high credit, past due, last reported, last active and last payment is not accurate XXXX XXXX XXXX XXXX Account Status, Date opened, No of months ( term ), high credit, last reported last active and last payment are reporting inaccurately I sent a letter on XX/XX/year>, asking them to re investigate this accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX here is my tracking number XXXX I got the investigation back but noticed nothing was modified or updated. 


So I requested a description of the re investigation and they do not provide it to me which is a violation of 15 USC XXXX. 
They also violated 15 USC XXXX ( XXXX ). 

Can you look into this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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.

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 2025-03-24 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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.

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 2025-03-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
As a Chase XXXX XXXXXXXX customer, a few years ago I was offered to start using a safety deposit box at a local branch with a waved fee. I took that offer. This year, I noticed a fee withdrawn from my account for this service. I have received no advance notification about this change and have given no authorization to start paying the fee. If I knew it was coming at a cost now, I would have made other arrangements. 
Early in XXXX, I stopped by the branch to share the problem. The person I spoke with said that she will look into processing the refund. This didnt happen. The banker had a phone conversation with me, again assuring that they will work to process the refund and no further action was needed from me. This didnt happen. Today, someone else called me from the bank to say that they arent after all able to complete this refund and advised me to call the special customer service line who should have more authority to do this. I called and spoke with someone who happened to be a supervisor ; that person apologized and announced that there was nothing she could do. I requested an escalation. The person on the phone stated that she could file an internal complaint from me to share that I wasnt happy about the fee, but it couldnt be refunded, and there was not even a way for me to get a confirmation that this complaint was filed or looked at. 
Due to personal circumstances affecting my financial accounts at the moment, this will likely result in much higher financial losses and time allocation to resolve from my end. 
I see this as unauthorized fee and an unfair switch by the bank, and as such, not acceptable.

Company response to consumer: Closed with explanation