vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
b': LEGAL DEMAND FOR IMMEDIATE REMOVAL AND PERMANENT BLOCKING OF FRAUDULENT ACCOUNTS AND INQUIRIES  VICTIM OF IDENTITY COERCION & XXXX XXXX\nFCRA 605B COMPLIANCE REQUIRED\n\nTo Whom It May Concern,\nI am formally invoking my rights under the Fair Credit Reporting Act (FCRA) 605B, supported by guidance from the Consumer Financial Protection Bureau (CFPB), to demand the immediate deletion and permanent suppression of the following fraudulent accounts and inquiries from my credit report.\nI am a documented victim of XXXX XXXX XXXX XXXX XXXX, during which time my personal identity was accessed and used without my knowledge, consent, or control. These accounts were not opened, authorized, nor used by me and represent a direct violation of my consumer rights and personal safety.\nThe following fraudulent items MUST be deleted and permanently blocked from all credit reporting and reinsertionXXXXFraudulent Accounts to be Deleted and Blocked:XXXX XXXXAccount #XXXX XXXX XXXX XXXX XXXX XXXXAccount #XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount #XXXX XXXXThis account was opened and used without my authorization while under coercion. I never applied for nor benefited from this creditXXXXFraudulent Credit Inquiry to be Removed:XXXX XXXX XXXX XXXXType: Unauthorized Hard InquiryXXXXMy Formal Legal Demands:\n1.\tImmediately DELETE and PERMANENTLY BLOCK the accounts and inquiry listed above under the protections granted in FCRA 605B.'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These are not my accounts and are in someone else name. Please remove off my report. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These are not my accounts and are in someone else name. Please remove off my report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These are not my accounts and are in someone else name. Please remove off my report. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : ACCOUNT NAME UNKNOWN UNKNOWN {$2900.00} XXXX ZIONSDEBTHOL UNKNOWN {$2900.00} 05-22 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : ACCOUNT NAME UNKNOWN UNKNOWN {$2900.00} XXXX ZIONSDEBTHOL UNKNOWN {$2900.00} 05-22 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I review my credit report and there's an unauthorized inquiry found. 

XX/XX/scrub>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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : INQUIRIES : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
CAPITAL ONE has failed to conduct a proper investigation. They have violated 15 usc 1681s-2b A-E and they have not even considered all relevant information regarding the dispute because the inaccuracies are all the same still. This account was also not even marked as disputed on my credit reports so this is a clear indication that these disputes were not processed correctly. This is a violation of 1681n and 1681o for being negligent and willfully non compliant. These debts are also been securitized in a trust so CAPITAL ONE does not even own the debt anymore. Which is another inaccuracy for putting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
During a difficult period in my life, I experienced a serious family emergency that temporarily disrupted my financial stability. As a result, I was unable to make on-time payments to two of my credit accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX credit card ( ending in XXXX ) While I fully acknowledge the payments were made late, this was an isolated situation, and I have since recovered financially and remained completely current and responsible on all accounts moving forward. 

I made multiple requests directly to XXXX XXXX and XXXX XXXX for a goodwill removal of the late marks, explaining the nature of my hardship and providing documentation. Despite this, both creditors have refused to assist even though their systems verified the lateness, they have not considered my personal context. 

I also submitted disputes to all three major credit bureaus ( XXXX XXXX, and TransUnion ), and although the late marks were verified, I believe the reporting does not meet the standard of fairness, proportionality, and maximum possible accuracy required under the Fair Credit Reporting Act ( FCRA ). 

These negative marks are now disproportionately harming my credit profile, even though : The hardship was temporary and verifiable Ive taken full responsibility My payment history since has been perfect Im not asking to rewrite history Im asking for a reasonable, fair correction based on human context and federal consumer protections.

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My account was closed on XX/XX/year>, and I am contesting the accuracy of the reported payment history. I understand that this debt has been written off by XXXX XXXX as a profit loss.While the reported payment history indicates that I have made only 40 % of my payments on time, a review of my records shows a significant discrepancy. The reported percentage does not accurately reflect the number of on-time payments made. My records indicate that I have made [ XXXX ] on-time payments. A detailed breakdown is attached. [ I Attached a detailed info below ]. The fact that this debt has been written off as a profit loss further supports my claim that the reported payment history is inaccurate and misleading. Writing off a debt typically signifies that the debt is considered uncollectible. Therefore, reporting this debt with an inaccurate payment history is a misrepresentation of the account 's true status.Furthermore, the status of my current payment is listed as " Unknown. '' I request that you clarify the status and provide documentation to support this designation.I request an immediate investigation into these discrepancies and a correction of my credit report to accurately reflect my payment history and the fact that the debt has been written off. This has violated my rights, 15 U.S.C 1681 section 602 A. States I have the fight to privacy. 15 US.C 1681 Section 604 A Secion 2 : it also states a consumes reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I ASKED THAT THE WRONG INFORMATION THAT IS REPORTING ON MY REPORT BE CORRECTED AND REMOVED FROM MY REPORTS AND NO RESULTS WHEN ASKED. THAY DID NOT REMOVE ANY OF THE INFORMATION * XXXX XXXX - Close CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I ASKED THAT THE WRONG INFORMATION THAT IS REPORTING ON MY REPORT BE CORRECTED AND REMOVED FROM MY REPORTS AND NO RESULTS WHEN ASKED. THAY DID NOT REMOVE ANY OF THE INFORMATION * XXXX XXXX - Close CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
After hurricane XXXX XXXX XXXX I thought i paid my property tax but I forgot and Shellpoint Mortgage paid it. I paid them as soon I found out. I paid Shellpoint Mortgage the full amount. I baked and asked for escrow removal but was denied. I have the Mortgage for about XXXX years no problems. Trying to get the escrow removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: MS

Complaint narrative:
credit bureau keeps putting my on credit report each time with wrong information/ information,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: WV

Complaint narrative:
I received an American Express XXXX XXXX in the amount of {$100.00}. I was able to use the card for XXXX online purchase in the amount of {$53.00} on XX/XX/year>. I have since attempted to use this card with the same vendor the first transaction was with and other online retailers, but it keeps being declined, even though my available balance of {$46.00} is more than enough for the transactions I have attempted. I called the American Express gift card customer support, but they were unable to offer any satisfactory solution other than suggesting to try other online retailers or use it in person, even though I explained that I had attempted to purchase with multiple retailers as well as setting up the card as a payment source on XXXX, but all transactions were declined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : ACCOUNT NAME UNKNOWN UNKNOWN {$2900.00} XXXX ZIONSDEBTHOL UNKNOWN {$2900.00} 05-22 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
1 ) Under FCRA and FDCPA, when a consumer disputes a debt or requests verification, I requested an independent investigation from the credit reporting agency to : Investigate the Claim Promptly The credit bureau must investigate the disputed information, typically within 30 days, and forward all relevant information provided by the consumer to the furnisher ( the reporting creditor or collector ).

Provide the Name and Address of the Creditor Upon request, the credit bureau and/or debt collector must identify the original creditor, including name and address.

Provide the Account Number The collector must include the account number or identifying number to help the consumer understand which debt is being referenced.

Break Down and Itemize the Charges Upon request or in response to a dispute, the debt collector must itemize the charges, including : Principal Interest Fees ( late fees, service charges, etc. ) Any other amounts, Payments made and person who opened this debt.

Dates associated with these charges.

2 ) FTC Report filed and that disputes these false claims from XXXX. See attachment and remove this claim from all credit reports and send me a updated copy of credit report.

Please Provide This Information in Writing This must be provided in writing upon the consumers request as part of the " debt validation '' process under the FDCPA. and sent to me at address on file in writing with in 30 days, or I will sue. See attachment from my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm writing to dispute inaccurate and unacceptable information that has appeared on my credit report. After carefully reviewing my file, I noticed an entry that is completely incorrect, and I am demanding that it be fully investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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