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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX & XXXX ( Original Creditor : XXXX ) # XXXX XX/XX/XXXX -- {$770.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$31.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$170.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$130.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$100.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$88.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$89.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$320.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$60.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$640.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$440.00} XXXX # XXXX XX/XX/XXXX -- {$450.00} XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$240.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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:
The listed hard inquiries were made without my knowledge, consent, or initiation. I did not apply for credit with these companies and have no established business relationship with them. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681b ( f ), it is unlawful to access a consumer credit report without a permissible purpose.

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: FL

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On Sunday, XX/XX/XXXX, aXXXX XXXX XXXX, I received a text message on my mobile phone about a suspicious Zelle transfer. I ignored the message, and around XXXXXXXX XXXX I received a phone call that came in under the disguise of a XXXX  XXXX XXXX XXXX XXXX. The moment I picked up, the phone switched to XXXX. The male on the other end of the line claimed to be a XXXX  XXXX XXXX representative and pressured me to confirm and reveal sensitive information. I kept reiterating that I do not feel comfortable doing that over the phone, and that is when he transferred me to a " Zelle '' representative. A lady was trying to instruct me to send money. I kept saying no to clicking on anything they were sending me via number XXXX. 

When I was being difficult, she transferred me back to the first male, where he started threatening me to deposit money at my nearest ATM or else my account would be compromised if I did not comply. I did not meet his demands. During the phone call, I realized they had access to seeing the activity of me transferring money out of my XXXX  XXXX XXXX account to my XXXX account. In more context, my XXXX account has been locked all year with no activity, so they shouldn't even know that it exists. 

They were able to get into both of my bank accounts linked to Zelle via my phone number, which was the only information Zelle had. I never downloaded the physical app nor made a standalone profile. I've only used the service via my XXXX  XXXX XXXX and XXXX XXXX, as that is the only option available when transferring money. 

The hackers were able to impersonate my Zelle profile and take {$1100.00} from my XXXX  XXXX XXXX account, and through my XXXX account of {$690.00} in total by sending it to the recipient name : XXXX XXXX, phone number : XXXX. 

I never authorized this transaction, nor received any fraud alerts, as they were taking my money from both XXXX XXXX XXXX and XXXX. They only flagged it after it was pending, and they were able to remove the amount from both of my bank accounts. 

I have claims filed with XXXX  XXXX XXXX, XXXX, Zelle, and in addition to a police 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Several companies accessed my credit report without authorization, directly harming my credit and score. Despite assurances from your representative, these inquiries remain. This ongoing inaction is unacceptable and raises serious concerns of identity theft. I am suffering continued financial and emotional harm. I demand an immediate investigation and the urgent removal of all unauthorized inquiries from 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 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( XXXX XXXX. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 


Account name : XXXX  Account number : XXXX Account name : XXXX  XXXX XXXX Account number : XXXX Account name : XXXX  Account number : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( XXXX XXXX. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 


Account name : XXXX  Account number : XXXX Account name : XXXX  XXXX XXXX Account number : XXXX Account name : XXXX  Account number : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please be advised that the accounts listed are fraudulent and were created without my knowledge or consent. I do not recognize these accounts and request that they be immediately deleted from my credit profile. Under 15 U.S.C. 1681g, I expect full resolution within 15 days. Attached is evidence to support this dispute.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please be advised that the listed accounts are fraudulent and were not opened by me. I am not responsible for them and demand their immediate removal from my credit report. Under the Fair Credit Reporting Act, specifically XXXX XXXX. XXXX, I expect this correction to be made within XXXX days. Documentation is enclosed 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 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 — Account status incorrect
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
Hello I have reached out repeatedly regarding the inaccurate reporting to my credit score since XXXX of XXXX  I was told repeatedly that because its a charged off account to they wouldnt take payment the name of the bank was bethpage federal credit union which has since changed over to four leaf I just want them to correct my credit score I was able to to get in contact with with XXXX representative who took my payment which and paid it off however it reported negative remarks when I have been trying to get someone to take my payment which was I spoke to numerous representatives that all told me the same thing that for XXXX it would report negative remarks and would not accept payment since XX/XX/year> I would like them to remove the negative remarks I also placed a call last month in may to speak to someone about removing the negative remarks and was supposed to get a call back that never happened

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block - 15 USC 1681i ( 5 ) - 15 USC 1681i ( a ) 1 - 15 USC 1681i ( a ) 6 ( B ) 3 - 15 USC 1681i ( a ) ( 5 ) B 15 USC 1692A 15 USC 1692A-3 15 USC 1692A5 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a 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 PLEASE REMOVE ALL ACCOUNTS A.S.A.P 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 USC 1681IS-2 15 USC 1692g ACCOUNTS : XXXX XXXX XXXX Account number - XXXXXXXX XXXX XXXX XXXX  Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXXXXXX XXXX XXXXXXXX XXXX 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 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 status incorrect
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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: LA

Complaint narrative:
This letter serves as a formal dispute of several fraudulent accounts currently appearing on my credit report. I have no association with these accounts and did not approve their creation. Per 15 U.S.C. 1681g, I request that they be removed from my credit file within 15 days. Enclosed is supporting evidence validating my claim.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Back in XX/XX/XXXX, XX/XX/XXXX and early XX/XX/XXXX I requested XXXX XXXX accounts be removed from my credit file. 

The first account balance is XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX NAME XXXX  ACCOUNT TYPE XXXX XXXX XXXX XXXX  DATE OPENED XX/XX/XXXX CREDIT LIMIT {$13000.00} Highest Balance {$2500.00} Then the other is XXXX XXXX Account Number XXXX Account Type XXXX  Card Responsibility Individual Date Opened XX/XX/XXXX Status Closed. {$130.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$4700.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment {$87.00} XXXX XXXX {$13000.00} Highest Balance {$4700.00} I am writing to formally dispute the reappearance of the XXXX XXXX account on my credit report. This account was previously investigated and removed as a result of my identity theft report. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically FCRA XXXX ( a ) ( XXXX ) ( B ), which states that if a disputed item is removed from a consumers credit report, the furnisher or creditor can not reinsert the information without providing certification of accuracy to the credit bureau. 

I have not received any proof of certification or valid documentation from the creditor that would justify the reinsertion of this account. The only documents I have received from your office were screenshots of account information this does not meet the burden of proof. Account summaries or payment histories are not sufficient validation. I am demanding copies of the original signed application and any signatures allegedly linked to me as proof of ownership of this account.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Back in XX/XX/XXXX, XX/XX/XXXX and early XX/XX/XXXX I requested XXXX XXXX accounts be removed from my credit file. 

The first account balance is XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX NAME XXXX  ACCOUNT TYPE XXXX XXXX XXXX XXXX  DATE OPENED XX/XX/XXXX CREDIT LIMIT {$13000.00} Highest Balance {$2500.00} Then the other is XXXX XXXX Account Number XXXX Account Type XXXX  Card Responsibility Individual Date Opened XX/XX/XXXX Status Closed. {$130.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$4700.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment {$87.00} XXXX XXXX {$13000.00} Highest Balance {$4700.00} I am writing to formally dispute the reappearance of the XXXX XXXX account on my credit report. This account was previously investigated and removed as a result of my identity theft report. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically FCRA XXXX ( a ) ( XXXX ) ( B ), which states that if a disputed item is removed from a consumers credit report, the furnisher or creditor can not reinsert the information without providing certification of accuracy to the credit bureau. 

I have not received any proof of certification or valid documentation from the creditor that would justify the reinsertion of this account. The only documents I have received from your office were screenshots of account information this does not meet the burden of proof. Account summaries or payment histories are not sufficient validation. I am demanding copies of the original signed application and any signatures allegedly linked to me as proof of ownership of this account.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is a formal and legitimate complaint that requires immediate corrective action. My credit report contains blatantly inaccurate information, in direct violation of the legal requirement for maximum possible accuracy. These errors are causing serious and ongoing harm to my financial standing and overall well-being. I demand a prompt and thorough investigation. All false, inaccurate, or unverifiable entries must be corrected or permanently removed without delay. This matter must be resolved immediatelyany failure to act will constitute a serious breach of duty and will result in swift escalation.

Company response to consumer: Closed with non-monetary relief