vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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: FL

Complaint narrative:
To : TransUnion XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Blocking of Fraudulent Information Under 15 U.S.C. 1681c-2 Dear TransUnion , Pursuant to 15 U.S.C. 1681c-2 ( FCRA ), this letter serves as my formal request to block and permanently remove all information relating to fraudulent accounts that resulted from identity theft.

I have been the victim of identity theft, and as a result, the following account ( s ) appearing on my credit report are fraudulent and unauthorized : 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 account opened XX/XX/XXXX In accordance with my rights under the Fair Credit Reporting Act, I am providing the following required documentation : 1.A copy of my FTC Identity Theft Report 2.A copy of my government-issued photo ID 3.A copy of my Social Security card ( or acceptable alternative proof of SSN ) 4.A copy of my proof of current address ( such as a recent utility bill or bank statement ) Please note that under 15 U.S.C. 1681c-2 ( a ) ( 1 ), a consumer is not required to provide a police report when an FTC Identity Theft Report is submitted. My documentation fully satisfies the statutory requirements to initiate this block.

As mandated by federal law under 15 U.S.C. 1681c-2 ( b ), you are required to permanently block the reporting of this fraudulent information within 4 business days of receiving this request and documentation.

You are also prohibited from reselling or re-reporting this blocked information unless there is clear evidence that the information was blocked in error or due to a misrepresentation of facts by me, the consumer, as set forth in 15 U.S.C. 1681c-2 ( c ).

Please provide me with a written confirmation that the fraudulent information has been blocked and removed as required by law.

Failure to comply with this request will constitute a violation of the Fair Credit Reporting Act and will be reported to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Thank you for your immediate 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 non-monetary relief
Consumer complaint received 2025-06-24 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: EQUIFAX, INC.
State: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-24 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to formally address serious concerns regarding the improper use of my consumer credit report and the unauthorized reinsertion of previously disputed and inaccurate information by your agency, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 

Specifically, I am referencing accounts and/or items that were previously removed from my credit report after a formal dispute was filed and resolved. To my dismay, I have discovered that these same items have been reinserted into my credit report without the legally required notice or certification of accuracy, in direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). Under this section of the FCRA, a consumer reporting agency is required to notify the consumer in writing within five business days of reinsertion and must also receive certification from the information furnisher that the data is accurate and complete. 

In addition, the ongoing presence and use of these inaccurate and unverifiable items in my credit report constitutes a breach of your duty to maintain maximum possible accuracy of the information reported, as required under 15 U.S.C. 1681e ( b ). These violations have caused and continue to cause substantial harm to my creditworthiness, personal finances, and emotional well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: MO

Complaint narrative:
I am writing to formally address serious concerns regarding the improper use of my consumer credit report and the unauthorized reinsertion of previously disputed and inaccurate information by your agency, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 

Specifically, I am referencing accounts and/or items that were previously removed from my credit report after a formal dispute was filed and resolved. To my dismay, I have discovered that these same items have been reinserted into my credit report without the legally required notice or certification of accuracy, in direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). Under this section of the FCRA, a consumer reporting agency is required to notify the consumer in writing within five business days of reinsertion and must also receive certification from the information furnisher that the data is accurate and complete. 

In addition, the ongoing presence and use of these inaccurate and unverifiable items in my credit report constitutes a breach of your duty to maintain maximum possible accuracy of the information reported, as required under 15 U.S.C. 1681e ( b ). These violations have caused and continue to cause substantial harm to my creditworthiness, personal finances, and emotional well-being.

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 2025-06-24 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: TX

Complaint narrative:
Account # : XXXX Furnisher : XXXX XXXX XXXX XXXX Credit Bureau : Experian Date of Original Complaint : XX/XX/XXXX Summary : This is a formal request for escalation and further investigation into Experian 's failure to correct the inaccurate reporting of a charged-off auto loan by XXXX XXXX XXXX XXXX XXXX Despite a detailed complaint outlining multiple Fair Credit Reporting Act ( FCRA ) and Metro 2 Format violations, Experian has continued to report : A past due balance of {$11000.00} as of XXXX and XX/XX/XXXX, despite the account being charged off in XX/XX/XXXX. XXXX XXXX guidelines require the " Amount Past Due '' to reflect {$0.00} post-charge-off. 

Ongoing charge-off ( " CO '' ) indicators after XX/XX/XXXX, which constitutes re-aging. A charge-off is a one-time event and should not be reported in subsequent months. 

Missing/incomplete required Metro 2 fields ( e.g., Highest Balance, Recent Payment ).

No documentation validating ownership of the debt, despite a direct request.

Experian 's continued failure to correct this information violates : FCRA 607 ( b ) : Obligation to report accurate information.

FCRA 611 : Failure to reinvestigate disputed data properly.

FCRA 623 ( a ) & ( b ) : Inaccurate and unverifiable reporting. 

Attachments : Screenshots of Experian 's reinvestigation result ( XX/XX/XXXX ) and payment history.

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 2025-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I filed a claim for unauthorized charges with Wells Fargo. I initially reported all my transactions that were fraudulent and the rep claimed he documented which was totaling nearly XXXX. Then I callled to check my claim on XX/XX/year> and there were only XXXX claims for XXXX and they were denied. They did not truly investigate cuz they would have see XXXXXXXX XXXX XXXX  and other charges not tied to anything with me. I do not even own those accounts. Claim detail # XXXX Please help as I lost a ton of money and bank denied.

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 2025-06-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Debt Holdings, LLC
State: MS

Complaint narrative:
I began receiving texts and calls in regards to an outstanding debt owed to XXXX, however, I repeatedly ignored them knowing I did not have this debt. Once I received a letter, I contacted them and explained that I had in no way taken this loan out and it was in my maiden name which I have not used since XXXX. I also advised there is nothing on my credit report in regards to taking this loan out. XXXX advised I contact and file this complaint. 

XXXX ( XXXX XXXX XXXX, XXXX ) on behalf of XXXX XXXX XXXXNational Debt Holdings owed as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: FL

Complaint narrative:
I recently noticed a collection account listed by XXXX  with an original creditor listed as XXXX XXXX XXXX, reporting a balance of {$550.00}. The account was opened on XX/XX/XXXX and is marked derogatory with a last activity date of XX/XX/XXXX a future date, which is clearly incorrect. 

I do not recognize this account, and I do not recall applying for or using any credit product from XXXX XXXX XXXX  or XXXX XXXX XXXX. 

Furthermore : I never received any prior communication, billing statement, or notice about this debt. 

The account includes a dispute comment, but I have not received proof of validation or ownership from either the original creditor or collection agency. 

There is no payment history, no indication of terms, and no supporting detail just a derogatory mark harming my credit.

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 2025-06-24 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: AL

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy.

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 2025-06-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Cash Time Title Loans, Inc.
State: AZ

Complaint narrative:
XX/XX/year> I went to get a title loan taken out at cash time loan centers in XXXX Arizona on XXXX XXXX. I was unaware at the time I was protected under the military lending act and it was illegal for cash time to loan anything over XXXX XXXX and what they gave me was XXXX XXXX which is impossible to pay back but they gave me that and I didnt notice this was illegal tell recently and then they repossed my vehicle which is also illegal since of the illegal apr they gave me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: EQUIFAX, INC.
State: MO

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report . I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: MO

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report . I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, 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 2025-06-24 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:
There are multiple accounts showing on my credit report that I did not open or authorize. These accounts are fraudulent and must be removed. In accordance with 15 U.S. Code 1681g, I request their deletion within 15 days. Ive attached documentation for your review.

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 2025-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Chime Financial Inc
State: TX

Complaint narrative:
What happened : I disputed XXXX unauthorized transactions on my Chime account : XXXX {$30.00} on XX/XX/XXXX at XXXX XXXX XXXX XXXX {$65.00} on XX/XX/XXXX at XXXX XXXX  XXXX XXXX {$330.00} on XX/XX/XXXX at XXXX XXXX  XXXX XXXX XXXX XXXX {$9.00} on XX/XX/XXXX at XXXX XXXX  These charges were not authorized by me, and I have never had any dealings with XXXX XXXX or related entities. 

When I noticed the charges, I contacted Chime and filed a dispute. I submitted evidence proving I was not at or near the location where the charges occurred, including : A letter from my employer verifying my whereabouts during the dates in question Location data to confirm I was elsewhere at the time of each transaction Despite this, Chime denied my original dispute and later denied the appeal as well ( most recently on XX/XX/XXXX ), with no clear justification or acknowledgment of the evidence I provided. The charges still appear on my account, totaling {$430.00}. 

I am requesting your help in reopening this case and holding Chime accountable for properly addressing fraud claims with supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: FL

Complaint narrative:
I hope this complait finds you well. I am writing to follow up on the previous complaints I submitted concerning specific items on my credit report. 
To date, I have not received any response or update regarding the resolution of the disputes I submitted to the credit bureaus. While I understand that these investigations can take time, I would appreciate an update on the current status and any progress that has been made toward resolving the matters outlined in my earlier correspondence. 
Below is a list of the items I am requesting to be removed from my credit file. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation