vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 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: TX

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over XXXX days ago and have yet to receive an adequate resolution. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.

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 2025-04-05 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: TX

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over XXXX days ago and have yet to receive an adequate resolution. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.

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 2025-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I purchased tickets for a soccer match from XXXX for 2 seats together for my fianc and I. Upon arrival, the seats, although numbers were consecutive, were not seated together and were instead separated by a stairwell. We had travelled across the world for this match and were disappointed to see. I contacted the merchant who said there was nothing they could do. I contacted Wells Fargo with proof of purchase for seats TOGETHER. It was disputed and 3 days prior to the 45 day deadline for the merchant to respond, the merchant had yet to respond. Suddenly, I noticed an increased balance on my credit card and tracked it down to a denied claim. There is no way that the received any response that was properly investigated. I did not receive what I purchased. I would like a refund, even if partial. Had I known the two seats would not be actually together, I would have never purchased or intended to use them.

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 2025-04-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I went to withdraw funds from my own bank account and showed them 2 forms of identification plus 3 more. This still wasn't sufficient for them to make a withdrawal from MY OWN BANK ACCOUNT. Teller Supervisor initially informed me that it was to protect my own account which I get it but after showing DL and 4 other forms of identification that was not enough for them she wanted me to obtain a debit card which I refused. The branch manager was of no help either as she was just staring at the screen pretending to do something and at the end came up with the same answer, Sorry system is not allowing to withdraw. Imagine that you deposit your own money from which banks make money and the CEO and staff gets paid ridiculously amount of money and they prevent you from making withdrawal. I

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: NY

Complaint narrative:
XX/XX/year> I called discover bank dispute to dispute some charges for damaged and incomplete merchandise but discover is using the regulation E to tell me that it is non disputable transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/XXXX I noticed that there was money missing from my account. I go look at my transactions and there is two from XXXX  that are in the picture I attached theyre both for XXXX and I think {$28.00} and then theres two Atm withdrawals ones for XXXX for XXXX the ATM fees I reported it right away. I told Chime that these transactions were not authorized by me and they didnt believe me and denied me. Its very frustrating and I really need that money. I tried calling the police but they took forever to show up. This was in XXXX XXXX and I had to leave. I live in XXXX XXXX and havent been out there since.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
FORMAL DISPUTE OF UNLICENSED COLLECTION ACTIVITY - DEMAND FOR IMMEDIATE REMOVAL FROM CREDIT REPORTS. SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Medical bills are not supposed to be on a credit score, yet XXXX XXXX sent me to collections for over {$4000.00} to Portfolio Recovery, showing on my credit report. Biden passed laws where that is illegal. Not only that, this $ XXXX XXXX filed a complaint with you about them REFUSING to bill XXXX first and then XXXX. The lady called me names, called me stupid, then a year passed, and some guy took over and further refused to bill insurance in order so they would get paid. Now, they are harassing me to pay and I don't owe them. Insurance would pay them, not someone on XXXX, limited income. The excuse not to bill : When we took out XXXX XXXX, you didn't have XXXX. That is true, but they put the XXXX  in and I had XXXX XXXX  and XXXX  is part of that initial XXXX. What if they denied? Then insurance would send a bill with the denial letter to XXXX at which point I would have paid an office visit copay + a copay for the XXXX  itself, well under {$4000.00}. They refused. Insurance companies - both of them - called this office asking them to bill correctly. The staff refused. Now they are after me on my credit score and it would have been paid in full had they done their job. The let it lapse where insurance will not pay debts over 2 years old. They refused to fix the problem in the proper time frame, 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: AL

Complaint narrative:
XX/XX/year> phone call to XXXX XXXX refused to proceed with call unless I verified my identity. I gave him my information and he refused to escalate my concern. He left me on hold for 1 hour and 33 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: PA

Complaint narrative:
Please take immediate action to block and remove unauthorized accounts from my credit report. I did not initiate these accounts and have no knowledge of their source. Under USC 1681g, I formally request their removal within XXXX days. Enclosed are documents for your reference. Additionally, different versions of account information are appearing across multiple credit bureaus.

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 2025-04-05 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: MS

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$11.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Two-Year payment history XX/XX/XXXX late 30 days XXXX XXXX XXXX Balance : {$180.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Two-Year payment history XXXX and XX/XX/XXXX late 30 days XXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Two-Year payment history XXXX, XXXX, and XXXX, XXXX ; late 60 day and 30 days XXXX XXXX XXXX XXXX Balance : {$0.00} Date XXXX : XX/XX/XXXX Two-Year payment history XX/XX/XXXX late XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Court XXXX XXXX XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$11.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Two-Year payment history XX/XX/XXXX late 30 days XXXX XXXX XXXX Balance : {$180.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Two-Year payment history XXXX and XX/XX/XXXX late 30 days XXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Two-Year payment history XXXX, XXXX, and XXXX, XXXX ; late 60 day and 30 days XXXX XXXX XXXX XXXX Balance : {$0.00} Date XXXX : XX/XX/XXXX Two-Year payment history XX/XX/XXXX late XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Court XXXX XXXX XXXX  XXXX Balance : {$0.00}

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 2025-04-05 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: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: Pacific Credit Exchange Corporation
State: CA

Complaint narrative:
I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX. XXXX XXXX XXXX. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor. 
Date of Last Activity. 
Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 
The obligation between your company XXXX, PACIFIC CREDIT EXCHANG and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 
Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX, XXXX XXXX, XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. 
Any other pertinent information regarding the creation of the debt by your collection agency like ( 1. Where the debt originated from, 2. ) The sum paid by the bad debt buyer for the plaintiff 's debt, 3. ) How the total amount was determined, and 4 ) A list of documents that authorize the collection of debts. )

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 2025-04-05 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: MN

Complaint narrative:
In early XX/XX/year>, I filed a formal dispute with Equifax regarding a credit reporting issue that was causing financial harm. I received no resolution or adequate response, so I escalated the matter by submitting a detailed complaint to the XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and again on XX/XX/year>. My complaint cited specific legal and factual evidence showing how Equifax failed to fix errors or respond meaningfully. 

Instead of assisting or forwarding my concerns, the XXXX  replied with a vague inquiry implying that my complaint may have been submitted by a third party. I am the sole filer, and all language in my submission was written personally by me. I followed up with detailed clarificationtwiceasking the XXXX  to explain their reasoning and provide evidence for this accusation. They refused to respond and have been silent ever since. 

Equifaxs investigation failed to fix the original issue, and the XXXX  interference has now blocked me from pursuing legitimate resolution pathways. I am now reporting both the failed Equifax investigation and the XXXX  procedural misconduct for suppressing and misclassifying my complaint without cause. These actions have left me without a viable way to correct false or damaging information in my credit file. 

Im worried that the XXXX XXXX XXXX XXXX XXXX XXXX is acting in bad faith in order to protect Equifax Inc. by intentionally suppressing legitimate complaints that mirror recent federal enforcement patterns. Instead of addressing the core issues I raised, the XXXX  deflected by implying third-party involvementdespite having no evidence and receiving clear, written confirmation from me as the sole filer. Their silence after multiple follow-ups suggests a willful effort to protect Equifaxs public reputation rather than advocate for the consumer. This obstructs my right to due process and undermines the integrity of the XXXX  platform. 

I request full CFPB oversight and action to ensure this pattern is addressed and my dispute is properly resolved.

Company response to consumer: Closed with non-monetary relief