vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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:
MY INFORMATION HAVE BEEN COMPROMISED BANK ACCTS AND OTHER THINGS WERE OPEN IN MY NAME IVE DISPUTED IT DID EVERYTHING POSSIBLE AND NOTHING HAPPENED SO NOW I WAS TOLD TO FILE AN POLICE REPORT WHICH I AM DOING NOW

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 2025-04-08 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:
MY INFORMATION HAVE BEEN COMPROMISED BANK ACCTS AND OTHER THINGS WERE OPEN IN MY NAME IVE DISPUTED IT DID EVERYTHING POSSIBLE AND NOTHING HAPPENED SO NOW I WAS TOLD TO FILE AN POLICE REPORT WHICH I AM DOING NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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:
I kindly ask that you block and remove the unauthorized accounts from my credit file without delay. I have no knowledge of these accounts, nor did I authorize them. Under the provisions of USC 1681g, Im requesting that these be deleted within 15 days. Enclosed are the necessary documents for your review. Please note that the reported information varies between bureaus and appears to be 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 2025-04-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: IN

Complaint narrative:
On XX/XX/XXXX, I attempted to create an Affirm account using my Social Security number. The website informed me that an account already existed. I contacted Affirm support and was told it was a technical issue and that nothing could be done. Since I didnt need the service at the time and received no further follow-up, I let the matter go. 

On XX/XX/XXXX, I attempted again to create an account, only to encounter the same issue. This time, the follow-up email from Affirm contained a completely different individuals name associated with my Social Security number . 

Since then, I have repeatedly contacted Affirm support. Each time, they claim they are escalating the matter to their safety team, only to follow up by saying it's a technical issue and that I need to call support again resulting in an endless loop with no resolution. 
Luckily, I have not seen any unauthorized charges or accounts related to Affirm on my credit report. However, the fact that my Social Security number appears to be linked to another persons account is extremely concerning. 

I would like to use Affirms services legitimately, which is how I discovered this issue in the first place. Despite multiple attempts to resolve the matter directly with Affirm, I have been unable to make any progress. I am filing this complaint to document the issue and request that the CFPB hold Affirm accountable for addressing consumer identity and account access concerns seriously and transparently

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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:
I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including XXXX Charge Off XXXX XXXXXXXX XXXX {$530.00} XXXX XXXX {$590.00} XXXX XXXX XXXXXXXX {$920.00} XXXX XXXX XXXXXXXX {$530.00} LATE CLOSED XXXX XXXXXXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} Collection XXXX XXXXXXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$960.00} XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$590.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX {$0.00} Inquiry XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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 am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including XXXX Charge Off XXXX XXXXXXXX XXXX {$530.00} XXXX XXXX {$590.00} XXXX XXXX XXXXXXXX {$920.00} XXXX XXXX XXXXXXXX {$530.00} LATE CLOSED XXXX XXXXXXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} Collection XXXX XXXXXXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$960.00} XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$590.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX {$0.00} Inquiry 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 2025-04-08 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-08 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-08 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a 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 records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
Due to a XXXX error, XXXX XXXX  credited a credit card that they closed about 9 years ago and then charged the credit back to my checking account twice, resulting in a balance on the credit card, without my knowledge of the credit balance. 

After numerous attempts to resolve the issue over the phone, including requesting my credit card agreement, I was able to determine what happened -- although XXXX XXXX  could not or would not bother. In the meantime they reported a {$30.00} charge overdue to my credit report and they refuse to remove it. 

I explained that the XXXX transaction was due to temporary hardship, that I had put all credit into a credit management plan, that I make all credit payments on time, and that I paid as soon as I could determine what was going on no help from them. 

Over a number of calls I was left on hold for hours, laughed at, hung up on, transferred and the calls were dropped. I have closed my checking account with XXXX XXXX. I want them off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: RI

Complaint narrative:
Due to a XXXX error, XXXX XXXX  credited a credit card that they closed about 9 years ago and then charged the credit back to my checking account twice, resulting in a balance on the credit card, without my knowledge of the credit balance. 

After numerous attempts to resolve the issue over the phone, including requesting my credit card agreement, I was able to determine what happened -- although XXXX XXXX  could not or would not bother. In the meantime they reported a {$30.00} charge overdue to my credit report and they refuse to remove it. 

I explained that the XXXX transaction was due to temporary hardship, that I had put all credit into a credit management plan, that I make all credit payments on time, and that I paid as soon as I could determine what was going on no help from them. 

Over a number of calls I was left on hold for hours, laughed at, hung up on, transferred and the calls were dropped. I have closed my checking account with XXXX XXXX. I want them off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: RI

Complaint narrative:
Due to a XXXX error, XXXX XXXX  credited a credit card that they closed about 9 years ago and then charged the credit back to my checking account twice, resulting in a balance on the credit card, without my knowledge of the credit balance. 

After numerous attempts to resolve the issue over the phone, including requesting my credit card agreement, I was able to determine what happened -- although XXXX XXXX  could not or would not bother. In the meantime they reported a {$30.00} charge overdue to my credit report and they refuse to remove it. 

I explained that the XXXX transaction was due to temporary hardship, that I had put all credit into a credit management plan, that I make all credit payments on time, and that I paid as soon as I could determine what was going on no help from them. 

Over a number of calls I was left on hold for hours, laughed at, hung up on, transferred and the calls were dropped. I have closed my checking account with XXXX XXXX. I want them off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: IA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: SC

Complaint narrative:
I AM A XXXX XXXX XXXX XXXX MY PERSONAL INFORMATION WAS STOLEN FROM ME. THE ITEMS LISTED IN THIS DOCUMENT WAS NOT AUTHORIZED BY ME IT IS FRAUDULENT AND NEED TO BE REMOVED FROM MY FILE IMMEDIATELY. 

ACCOUNTS TO BE REMOVED : XXXX XXXX XXXX XXXX - {$20000.00} XXXX 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 explanation
Consumer complaint received 2025-04-08 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: SC

Complaint narrative:
I AM A XXXX XXXX XXXX XXXX MY PERSONAL INFORMATION WAS STOLEN FROM ME. THE ITEMS LISTED IN THIS DOCUMENT WAS NOT AUTHORIZED BY ME IT IS FRAUDULENT AND NEED TO BE REMOVED FROM MY FILE IMMEDIATELY. 

ACCOUNTS TO BE REMOVED : XXXX XXXX XXXX XXXX - {$20000.00} XXXX 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 explanation
Consumer complaint received 2025-04-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-08 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: ID

Complaint narrative:
I am submitting this complaint pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) due to a data breach that has compromised my personally identifiable information ( PII ), including sensitive financial data. This breach has resulted in unauthorized activity on my credit file and may have long-term consequences for my financial security and creditworthiness.

I believe that one or more consumer reporting agencies, data furnishers, or third-party entities failed to take adequate and reasonable measures to protect my data, in violation of their obligations under the FCRA. Specifically, I have reason to believe that : My personal information was exposed or accessed without authorization ; There has been inaccurate or fraudulent information reported on my credit report ; I was not properly notified of the breach in a timely manner ; My rights to dispute or correct information have not been honored as required by law. 

I am requesting a formal investigation into this matter, correction of any inaccurate or fraudulent items on my credit report, and confirmation that all appropriate legal remedies and penalties will be pursued under the FCRA. I also request assistance in ensuring that affected entities implement improved data security measures and comply fully with federal consumer protection standards.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a 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 records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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 2025-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. 
Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to block and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : NATIONAL CREDIT ADJUST XXXX {$1200.00} Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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