vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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:
On XX/XX/XXXX, I contacted XXXX XXXX  and spoke with XXXX, who confirmed that they do not retain payment history once an account is turned over to collections. They have NO payment history on file and they have NO way to provide me with it. I have a recording of this call as evidence that is attached below. 

The third-party debt collector, XXXX XXXX XXXX XXXX XXXX XXXX is currently reporting this account to TransUnion and EXPERIAN ( XXXX  conducted an investigation and removed the account. ) yet they have repeatedly refused to provide the full payment history required under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I contacted XXXX directly and spoke with XXXX XXXX, who stated that they do not have to provide payment history. This is incorrect and violates FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ). Recording attached below for evidence. You will also hear XXXX XXXX, a supervisor for XXXX XXXX XXXX XXXX, XXXX, demand and he actually hung up the phone. 

I am formally disputing this tradeline. Unless XXXX XXXX XXXX provides a complete payment history covering the lease period for XX/XX/XXXX XX/XX/XXXX, the debt remains unverified and must be immediately deleted from my credit reports. 

I am also notifying TransUnion and Experian that they have a legal obligation under FCRA 611 and 623 to : Properly investigate consumer disputes Not report incomplete or inaccurate information Cease reporting unverifiable accounts This account is unsubstantiated. If not deleted immediately, I will escalate this matter further.

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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AL XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$950.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$650.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$460.00} INQUIRIES : XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/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 2025-06-30 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: NH

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. I am filing this FTC Identity Theft Affidavit to report six fraudulent accounts appearing on my consumer FICO TransUnion credit report which I do not recognize and which are the result of identity theft and fraud. These accounts include XXXX opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have led to multiple unauthorized hard inquiries and fraudulent collections appearing on my consumer credit file. I demand that these items be removed from all of my consumer credit reports and that all related collection activity cease immediately in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX and 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-06-30 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 XXXX MD XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$170.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$35.00} INQUIRIES : XXXX XXXX  Date : XXXX XXXX Date : 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 2025-06-30 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT I have never lived in any other address than the one on my drivers license and the information I provided you. The information below belongs to someone in another state, they used my social security number but I have never received in North Carolina. Also the birthday they used is not mine, there is XXXX and I was born XXXX, XXXX only XXXX XXXX XXXX and a student and resident of California. 

My bank account was HACKED on or about XXXX and my mom, XXXX XXXX, has changes some password and was moving moving between account, they hackers opened an account and moved thousands. When the banks closed we reaced out to XXXX  XXXX XXXX and informed them what transpired, they froze ALL accounts but no resolution was ever made. This account WAS NOT open by me or my mom who was on the joint account. When they hacked they open this online to open and transfer between the account and deposit fraud checks causing me duress and damaging my credit. 

Money was bounced from account, from old real accounts to new opened account, but I do not owe the bank because this can be recall based on where the bank sent the funds to electronivally.

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 2025-06-30 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: CA

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT I have never lived in any other address than the one on my drivers license and the information I provided you. The information below belongs to someone in another state, they used my social security number but I have never received in North Carolina. Also the birthday they used is not mine, there is XXXX and I was born XXXX, XXXX only XXXX XXXX XXXX and a student and resident of California. 

My bank account was HACKED on or about XXXX and my mom, XXXX XXXX, has changes some password and was moving moving between account, they hackers opened an account and moved thousands. When the banks closed we reaced out to XXXX  XXXX XXXX and informed them what transpired, they froze ALL accounts but no resolution was ever made. This account WAS NOT open by me or my mom who was on the joint account. When they hacked they open this online to open and transfer between the account and deposit fraud checks causing me duress and damaging my credit. 

Money was bounced from account, from old real accounts to new opened account, but I do not owe the bank because this can be recall based on where the bank sent the funds to electronivally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 
XXXX ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 XXXX XXXX MO XXXX INQUIRIES : XXXX Date : XX/XX/year> XXXX Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: VA

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: CA

Complaint narrative:
Im writing regarding an account that appears on my credit report which is currently involved in pending litigation. Given the active legal dispute surrounding this account, its continued presence on my credit file is not only inaccurate, but also misleading and premature. 

Until the legal process is resolved, any reporting of this account is incomplete at bestand at worst, a misrepresentation of the situation that could unfairly damage my creditworthiness. The Fair Credit Reporting Act ( FCRA ) clearly mandates that only accurate and fully verifiable information be reported. Reporting an account thats actively tied up in litigation violates both the spirit and the letter of that requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: NC

Complaint narrative:
Notice of Legal Presumption of No Debt Pursuant to Engelhardt v. Gravens ( Mo ) 281 S.W. 715, 719 ; I am Identity Theft victim and I am concerned about certain unauthorized credit inquiries that have recently appeared on my credit report. II did not provide authorization for these inquiries. At no point have I granted my consent for any applications for credit, nor have I engaged in actions that would justify such inquiries into my credit history. The presence of these unauthorized inquiries on my credit report is having a negative affect on my financial standing and creditworthiness. 

Unauthorized Inquiries : 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 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 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I reviewed my credit report on XX/XX/XXXX, and found multiple unauthorized credit inquiries that I did not initiate or approve. Specifically, the following inquiries were made without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have not applied for credit or authorized any inquiries with these companies on or around those dates. These entries raise concerns about the accuracy of my credit report and the possibility of identity theft. 

I am requesting that these inquiries be investigated and removed from my credit report if they are found to be unauthorized. Additionally, I ask that appropriate steps be taken to prevent any further unauthorized access to my credit file. 

Thank you for your assistance in resolving this matter and helping to protect my credit information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: CA

Complaint narrative:
I am writing to request your help in investigating these accounts due to inaccurate reporting on my credit profile. In line with USC XXXXg, I am formally requesting their removal within the next XXXX  days. I have enclosed the relevant documents for your evaluation. Inconsistencies and inaccuracies in the account details are present across the major credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
So on the XXXX of XXXX, i left my debit card at a resturant, and someone decided to withdraw XXXXXXXX XXXX from it. I contacted the bank immediatly about the situation. They said they would do an " investigation '' which took XXXX days, and they came back and said no fraud occured. Now im negative XXXX XXXX  and they can't give me a accurate explanation as they closed my accounts, and out them under review. I cant get into anything and check for my self as i have lost access. Customer service is clueless, and can't answer any of my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section XXXXB of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-06-30 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 
XXXX ) that you, the Experian XXXX XXXXXXXX , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 XXXX Address : XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3700.00} XXXX XXXX # XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$770.00}

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 explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Rocket Mortgage, LLC
State: AL

Complaint narrative:
My job have short hours and now we are layoff for weeks short of work

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: AL

Complaint narrative:
I have an active auto loan with Global Lending Services. The original maturity date has passed due to past deferments, but I was told I could continue making regular monthly payments until the balance was paid off. Now Ive been informed that the account will soon be reported as a charge-off, despite the fact that I am not delinquent and continue to pay on time. 

I requested a loan re-aging or extension to reflect the continued payments and avoid serious damage to my credit, but the lender refused. This will severely affect my ability to renew housing and maintain financial stability, even though I am making consistent payments and acting in good faith. 

I am asking that the account be kept in current status and not reported as a charge-off while I pay it off as originally instructed. They refuse to do this and will not offer me a refinance, re-age, or any other options. The only option is to pay the balance in full, which I'm unable to do, but I'm making all my payments on time still. There's no benefit to them reporting it as a charge off, and they are still accepting my payments toward the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 
XXXX ) that you, the Experian XXXX XXXX , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 XXXX XXXX MO XXXX INQUIRIES : XXXX XXXXXXXX XXXX  Date : XX/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