vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I woke up to a major issue on my credit reportan unauthorized inquiry appeared out of nowhere. I regularly check my report, yet today, I noticed discrepancies that I can not explain. Refreshing my browser did nothing, proving this is not a minor glitch. This situation is deeply upsetting, and I demand an immediate review of my documents to resolve this once and for all.

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Subject : DEMAND FOR IMMEDIATE BLOCKING AND DELETION OF FRAUDULENT ACCOUNTS AND INQUIRIES PURSUANT TO 15 U.S.C. 1681c-2 ( a ) Dear Experian Dispute Department, I am writing to formally demand the immediate blocking and deletion of all fraudulent accounts and unauthorized inquiries appearing on my credit report due to identity theft resulting from the Equifax data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this fraudulent information upon notification and receipt of supporting documentation. 
Fraudulent Accounts to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU ( XXXX XXXX ) - XXXX US DEPARTMENT OF EDU ( XXXX XXXX ) - XXXX US DEPARTMENT OF EDU ( XXXX XXXX ) - XXXX US DEPARTMENT OF EDU ( XXXX XXXX ) - XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX ) - XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) - XXXX XXXXXXXX XXXX  XXXX XXXX ( XXXX ) - XXXX Unauthorized Credit Inquiries to Be Removed : XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> Supporting Documentation Enclosed : A copy of my government-issued ID Proof of address FTC Identity Theft Report As a victim of the Equifax data breach, my personal and financial information was compromised, leading to fraudulent activity on my credit report. I expect Experian to take immediate action to rectify the harm caused by this breach.

I demand written confirmation that these fraudulent accounts and inquiries have been permanently removed from my credit report. Additionally, if any disputed item is reinserted into my credit file, I expect Experian to provide a detailed explanation, including the evidence used to verify its accuracy. 
Failure to comply with this request will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any other relevant regulatory authorities. I expect a resolution within the legally mandated timeframe and will pursue all available legal remedies if necessary. 
Please confirm receipt of this letter and provide a resolution promptly. If you need further information, I can be reached at the information above. 
Sincerely, XXXX XXXX XXXX Enclosures ID Proof of Address SSC FTC

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Subject : DEMAND FOR IMMEDIATE BLOCKING AND DELETION OF FRAUDULENT ACCOUNTS AND INQUIRIES PURSUANT TO 15 U.S.C. 1681c-2 ( a ) Dear Experian Dispute Department, I am writing to formally demand the immediate blocking and deletion of all fraudulent accounts and unauthorized inquiries appearing on my credit report due to identity theft resulting from the Equifax data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this fraudulent information upon notification and receipt of supporting documentation. 
Fraudulent Accounts to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU ( XXXX XXXX ) - XXXX US DEPARTMENT OF EDU ( XXXX XXXX ) - XXXX US DEPARTMENT OF EDU ( XXXX XXXX ) - XXXX US DEPARTMENT OF EDU ( XXXX XXXX ) - XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX ) - XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) - XXXX XXXXXXXX XXXX  XXXX XXXX ( XXXX ) - XXXX Unauthorized Credit Inquiries to Be Removed : XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> Supporting Documentation Enclosed : A copy of my government-issued ID Proof of address FTC Identity Theft Report As a victim of the Equifax data breach, my personal and financial information was compromised, leading to fraudulent activity on my credit report. I expect Experian to take immediate action to rectify the harm caused by this breach.

I demand written confirmation that these fraudulent accounts and inquiries have been permanently removed from my credit report. Additionally, if any disputed item is reinserted into my credit file, I expect Experian to provide a detailed explanation, including the evidence used to verify its accuracy. 
Failure to comply with this request will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any other relevant regulatory authorities. I expect a resolution within the legally mandated timeframe and will pursue all available legal remedies if necessary. 
Please confirm receipt of this letter and provide a resolution promptly. If you need further information, I can be reached at the information above. 
Sincerely, XXXX XXXX XXXX Enclosures ID Proof of Address SSC FTC

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 2025-02-10 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Formal Dispute Regarding Inaccurate Information on my Credit Report Dear Equifax, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit reporting Act and request a thorough investigation into these inaccuracies, as requires by federal law. 


Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly Reinserting previously disputes and inaccurate information without explanation Failing to notify consumers about investigation results effectively, These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-02-10 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX XXXX XX/XX/year> : XXXX XX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-02-10 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX XXXX XX/XX/year> : XXXX XX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Bronstein & Weiss Arbitration
State: MI

Complaint narrative:
The disclosure was buried in the last sentence of the last paragraph in the correspondence they sent. Also, the correspondence they sent demanded payment before the XXXX timeline I had to respond to ask for validation of the alleged debt.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-10 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I recently reviewed my credit report and noticed there are fraudulent accounts on my credit report that are not mines. 

I made a police report and contact XXXX XXXX several times. They never solved these problems The thief opened several accounts on my name. Now i have late payments, I have charged off accounts, collections and hard inquiries that i don't even know. 

That hurts my credit and prevent me from obtaining credits. 

Now I ' m asking you to investigate and remove all fraudulent accounts from my credit. I'm attaching a copy of the police report and screenshots of all inaccuracy from my credit report,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: IN

Complaint narrative:
I recently reviewed my credit report and noticed there are fraudulent accounts on my credit report that are not mines. 

I made a police report and contact XXXX XXXX several times. They never solved these problems The thief opened several accounts on my name. Now i have late payments, I have charged off accounts, collections and hard inquiries that i don't even know. 

That hurts my credit and prevent me from obtaining credits. 

Now I ' m asking you to investigate and remove all fraudulent accounts from my credit. I'm attaching a copy of the police report and screenshots of all inaccuracy 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 non-monetary relief
Consumer complaint received 2025-02-11 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: IN

Complaint narrative:
I recently discovered that my credit report contains incorrect personal information, which has contributed to the appearance of unfamiliar and inaccurate accounts under my name. As a victim of identity theft, my information was fraudulently used, and I am now dealing with the consequences of accounts I were never associated with. Following Experian 's instructions, I promptly filed a report with the FTC and submitted all necessary documentation. Despite taking these steps, the fraudulent items remain on my 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 2025-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: VA

Complaint narrative:
I have been a loyal Discover cardholder for 10 years, consistently paying my statement balance in full and on time every month. However, due to an unforeseen circumstance, I recently faced my first-ever late payment. 

On XX/XX/year>, my bank account was compromised and frozen due to a security issue. Unfortunately, this happened on the same day my Discover payment was due. Because my account was frozen, my scheduled payment to Discover was not processed. As soon as I resolved the banking issue, I immediately scheduled my payment, which will be completed on XX/XX/year>. 

Upon reviewing my account, I was surprised to see that I was charged the following fees as a result of this incident : {$62.00} in cash advance fees {$62.00} in interest charges ( including interest on purchases and interest on cash advances ) I contacted Discover immediately to explain the situation and requested a one-time courtesy waiver of these fees, given my 10-year track record of perfect payments and the fact that this issue was out of my control. Despite my proactive approach, Discover has refused to provide any flexibility, stating that they no longer offer courtesy waivers. 

When I escalated my request to a supervisor, I was informed that there was no further escalation possible, and that the refusal was final. I find this to be an unfair and unreasonable policy, particularly when other major credit card issuers offer one-time exceptions to responsible, long-term customers who experience unforeseen financial disruptions. This lack of flexibility penalizes customers who have demonstrated financial responsibility for a decade and does not align with industry best practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-11 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: AR

Complaint narrative:
I noticed a fraud account listed on my credit report due a EQUIFAX data. Breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account XXXX : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : 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 2025-02-11 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: Early Warning Services, LLC
State: MD

Complaint narrative:
Dear Early Warning Services, I recently applied for a bank account and was denied. I suspect that Early Warning Services may have inaccurate or fraudulent information in my consumer file that led to this denial. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to request a copy of my consumer file and dispute any inaccurate or unauthorized records. 
Request for Consumer Disclosure Pursuant to 15 U.S.C. 1681g, I formally request a complete copy of my consumer report maintained by Early Warning Services. Please include all information you have on file regarding my banking history, inquiries, and any reported incidents. 

Dispute of Fraudulent or Inaccurate Information If there are any negative records associated with my name, I request an immediate investigation and removal of any fraudulent or inaccurate data. As a victim of potential identity theft, I demand strict compliance with 15 U.S.C. 1681i, which requires consumer reporting agencies to correct inaccurate information promptly. 
Required Action Provide me with a full copy of my Early Warning Services consumer report. 
Identify the specific reasons why I was denied a bank account. 
Remove any fraudulent, inaccurate, or outdated information. 
Confirm the corrections in writing within 30 days, as required by law. 
Failure to comply with my request may result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and legal action. Please respond in writing to the address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion Fraud Dept, Transunion you keep verifying the XXXX  XXXXXXXX account which is fraud XXXX can not charge interest on a close account which you are verifying and makes you a part of the fraud { XXXX has been charging interest every month after the charge off date damaging my credit score }, causing personal and emotional stress to my self. I see that XXXX and XXXX has been sued for false verifying accounts I'm sure you do not want eyes on you. Transunion Knowing its illegal to report this on my credit report I ask you to provide to me through the CFPB in detail how you report this 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