vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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: MD

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

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 2025-06-24 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: DISCOVER BANK
State: LA

Complaint narrative:
I was added as an authorized user ONLY over a year ago and was assured it wouldnt affect my credit- and never provided my ssn either. I pay my bills, as shown on my credit report, including my balances. Most recently, to my surprise, this has reached each credit bureau since Discover decided to report a balance that was not mine - not only am I not the account holder but I have never made a payment. I immediately had the account holder remove me as an authorized user as well. Im not sure how this was reported when I never provided my SSN to discover for this specific account. I have my own discover card that reflects a XXXX balance and a much higher credit line. This directly affected my credit reducing me from a score of XXXX reduced by XXXX points for an account that isnt mine! Ive disputed with each credit bureau. XXXX is the only one Ive received a resolution back from ( stating it will be removed ) but this is crazy that it can be reported when I never provided my SSN. No one verified Im not an account owner and my ssn wasnt associated with the account before adding it to my credit report. 

Discover card- over {$5100.00} Reported : XX/XX/year>XXXX  Not my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: AZ

Complaint narrative:
I am writing to dispute inaccurate and damaging information listed in my TransUnion credit file. Under 15 U.S.C. 1681i, you are required to conduct a good-faith, reasonable reinvestigation of any disputed data. Additionally, under 1681g, I request full disclosure of all data sources and verification documents associated with the following entry : It has come to my attention that TransUnion has recently been subject to enforcement action by the Consumer Financial Protection Bureau ( XX/XX/2025 ) for engaging in sham investigations and failing to properly respond to valid consumer disputes. I have reason to believe that my prior dispute ( s ) may have been similarly mishandled.

Accordingly, I demand the following : 1. Immediate deletion of the disputed tradeline ( s ) if not fully verified.

2. A detailed description of your reinvestigation process and the identity of any furnisher contacted, pursuant to 611 ( a ) ( 6 ) ( B ) ( iii ).

3. Disclosure of any contracts, instruments, or written agreements relied upon in the course of verification. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Docket identifier 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 2025-06-24 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within fourbusinessdays.

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 2025-06-24 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: GA

Complaint narrative:
I am writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-06-24 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:
I am writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
Someone transferred funds totaling XXXX from my Sofi saving to checking and then withdrew it as pay a friend. The name posted was XXXX XXXX an email address associated with the transaction was XXXX. I notified the bank, filed a dispute but they said they didn't find any error so I appealed. I changed my password and had the account restricted. These transactions were not made by me nor did I authorize them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: MD

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-06-24 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 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 remove 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 : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$5800.00} ; XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$10000.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$560.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$26000.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$4900.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$3700.00} ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$6000.00} ; XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$31000.00} ; XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$880.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$830.00} ; XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX. 

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. Ceaseanddesistasap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: FL

Complaint narrative:
I am disputing a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: The Savings Group, Inc.
State: TN

Complaint narrative:
Tresl failed to provide the documents that I provided when the loan was originated to XXXX XXXX XXXX. Not only have they failed to provide all documents they also lied about the interest rate quoted. They are clearly crooks and trump supporters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: CA

Complaint narrative:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced account. Copies of copies are insufficient by law. 

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within 30 calendar days of receipt of this letter, you must immediately delete the account from all credit reports.

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under 1681n exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ). 

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in multimillion dollar awards ( e.g., Miller v. Equifax $ XXXX ; Thomas v. TransUnion XXXX XXXX XXXX. 
- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures. 

XXXX XXXXXXXX XXXX...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: NY

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: 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 2025-06-24 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: NY

Complaint narrative:
I am submitting this complaint because unauthorized hard inquiries were made to my Experian credit report without my knowledge, consent, or approval. These inquiries were not initiated by me and are a result of identity theft. 

I have already taken the appropriate legal steps to document this incident. I obtained and attached an official Identity Theft Report filed through identitytheft.gov, as well as supporting documentation to verify my identity. Despite this, Experian has not removed the fraudulent inquiries from my credit file. 

These inquiries are harming my credit score and misrepresent my credit activity. I am requesting that Experian : 1. Immediately remove the fraudulent hard inquiries from my credit report.

2. Provide written confirmation once the unauthorized items have been removed. 

Attached documents for verification : Identity Theft Report ( from IdentityTheft.gov ) Copy of my valid Social Security Card Utility bill in my name ( proof of address ) Copy of government-issued ID ( e.g., drivers license ) I am a victim of identity theft and am exercising my rights under the Fair Credit Reporting Act ( FCRA ). I have also contacted Experian directly and have not received appropriate resolution. 

Please ensure this complaint is fully investigated and resolved. 

The unauthorized hard inquiries that I am disputing and requesting removal of are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: NY

Complaint narrative:
I am submitting this complaint because unauthorized hard inquiries were made to my Experian credit report without my knowledge, consent, or approval. These inquiries were not initiated by me and are a result of identity theft. 

I have already taken the appropriate legal steps to document this incident. I obtained and attached an official Identity Theft Report filed through identitytheft.gov, as well as supporting documentation to verify my identity. Despite this, Experian has not removed the fraudulent inquiries from my credit file. 

These inquiries are harming my credit score and misrepresent my credit activity. I am requesting that Experian : 1. Immediately remove the fraudulent hard inquiries from my credit report.

2. Provide written confirmation once the unauthorized items have been removed. 

Attached documents for verification : Identity Theft Report ( from IdentityTheft.gov ) Copy of my valid Social Security Card Utility bill in my name ( proof of address ) Copy of government-issued ID ( e.g., drivers license ) I am a victim of identity theft and am exercising my rights under the Fair Credit Reporting Act ( FCRA ). I have also contacted Experian directly and have not received appropriate resolution. 

Please ensure this complaint is fully investigated and resolved. 

The unauthorized hard inquiries that I am disputing and requesting removal of are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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