vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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: PR

Complaint narrative:
I am submitting this formal complaint to report that my credit file contains fraudulent information resulting from identity theft, specifically an unauthorized hard inquiry and account reported by XXXX XXXX  dated XX/XX/year> Pursuant to 15 U.S.C. 1681c-2, credit reporting agencies are required by law to block all information identified as resulting from identity theft within four business days after receiving a valid identity theft report. I have already submitted my FTC Identity Theft Report ( FTC Report Number : XXXX ), which clearly supports my claim Despite my efforts and the documentation provided, this fraudulent item remains on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). I have also contacted the Federal Trade Commission ( FTC ) and filed an identity theft complaint. The report, along with my supporting documentation, has been delivered via fax and Certified Mail to the corresponding credit reporting agencies The item in question is : Inquiries/ Accounts to Remove XXXX XXXX  XX/XX/year> This unauthorized item is damaging my credit profile and causing me financial and emotional harm. I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) intervene and ensure that the credit reporting agency complies with its legal obligation to remove this fraudulent item immediately, as required by law Thank you for your time and support in resolving this matter

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 2025-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
To Whom It May Concern, I am writing to formally demand an immediate resolution regarding the fraudulent disputed transactions on my account ending in XXXX in reference to XXXX ( states my account is blocked, letter received on XX/XX/XXXX ) Case ID - XXXX ( totaling {$460.00} permanent credits to my BLOCKED account, letter received on XX/XX/XXXX ) Case ID - XXXX ( totaling {$2000.00} PROVISIONAL credits into my BLOCKED account, letter received on XX/XX/XXXX ) CASE ID - XXXX ( {$1400.00} PERMANENT CREDITS to my blocked account, letter received on XX/XX/XXXX ) As well as clarity on the status of my account closure. Since XX/XX/XXXX, I have been dealing with repeated discrepancies in how Citibank has handled my disputes. While I have received provisional credits for multiple transactionsmost recently on XX/XX/XXXX, XXXX account remains blocked, and I have not been able to access these funds. Additionally, I have received conflicting or vague information about when my account will be officially closed. 

Issues That Require Immediate Action : 1. Full List of All Disputed Transactions I need a clear, written breakdown of every dispute, including whether the provisional credits have been permanently approved or if any transactions are still under review.

2. Immediate Issuance of Funds Since my account is blocked, I am requesting a cashiers check for the full amount of all approved disputes, as I have no other means of accessing my money. Any further delay is unacceptable.

3. Definitive Account Closure Date I have asked multiple times when my account will be officially closed, but Citibank has failed to provide a clear answer. I require written confirmation of the closure date and assurance that I will receive any remaining balance. 

At this point, XXXX failure to provide consistent and transparent communication is unacceptable. If this matter is not resolved immediately, I will have no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider legal action to recover my funds.

Please provide a written response within five 48 hours confirming when and how I will receive my money. I expect Citibank to handle this matter with the urgency it deserves. 

Sincerely, XXXX 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 monetary relief
Consumer complaint received 2025-03-21 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: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: CA

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within 5BD

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: PA

Complaint narrative:
On my credit profile I noticed some hard inquiries that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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 addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: GA

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. 


Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : GA XXXX FIN # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account XXXX : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : Federal # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  - XXXX 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 2025-03-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: 2288984 Ontario Inc.
State: OH

Complaint narrative:
Someone from XXXX called and left a message that someone was coming to my home to take pictures so they can put a lien on my home since this loan was not paid back in 2016. This was taken out in my name with out my approval or knowledge by my ex husband. I have not returned the call and now they said they are going to come to my job yesterday which they did not, and today called my daughter saying they are a private investigator and that they came and knocked on my door. They did not, I have been home all day as I work form home. I have screen shots the creditor sent me and voicemails saved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MA

Complaint narrative:
I don't owe this company. Didn't sign anything with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XX/XX/XXXX I submitted a claim for XXXX for a bunch of charges that were made with my stolen phone and stolen card. I provided Wells Fargo with all the information and still my claim was denied with no real explanation. XXXX dollars is a lot of money to lose and they didnt try to work with me at all. They made a decision within XXXX  days and didnt give an explanation, no refund, or no credit or anything. So now Im out of almost XXXX dollars with no help.

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 2025-03-21 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 submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, Texas XXXX Re : Dispute of Reinserted Account XXXX Dear Experian, I am writing to formally dispute the reappearance of an account that was previously deleted from my credit report. The account in question is listed as XXXX XXXX, account number XXXX, and was originally removed from my credit report due to inaccuracies or a lack of proper verification. 
Under the Fair Credit Reporting Act ( FCRA ), Section 1681i, if an account has been deleted from a consumer 's credit report, it can not be reinserted without proper verification from the original creditor. According to FCRA Section 1681s-2 ( b ), when a consumer disputes the accuracy of information on their credit report, the information must be thoroughly investigated, and only verified information should remain on the report. Moreover, if the account was previously disputed and found to be inaccurate or unverifiable, it should not be reported again without confirmation that the dispute has been resolved. 
Additionally, [ State Law or Relevant Regulation ] ( state-specific consumer protection laws ) prohibits the re-reporting of deleted or disputed accounts unless they are fully verified through appropriate documentation and investigation. This ensures that consumers are not unfairly penalized by the reappearance of unverified or erroneous information.

I respectfully request that you conduct a thorough investigation into this matter, as outlined under the FCRA and relevant state laws. Please provide me with the following : 1. Documentation verifying the accuracy and legitimacy of this account, including any supporting information from the original creditor.

2. A copy of the investigation report from your reinsertion of this account, as required by law.

3. If this account can not be verified, I request that it be deleted again from my credit report immediately. 
As this account was previously deleted due to inaccuracies or lack of verification, I am confident that you will find the reinsertion is in violation of federal and state laws. If this issue is not resolved promptly, I will consider taking further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies as necessary. 
Thank you for your immediate attention to this matter. I look forward to receiving confirmation of the removal of this account from my credit report. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: LA

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
Consumer complaint received 2025-03-21 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: DC

Complaint narrative:
DEBT VALIDATION CLAIM, I WANT THE COMPANY TO PROVIDE FULL DETAILS LIST ON THIS TITLE ACCOUNT. 
I NEED CLAIM OF TITLE YOU HAVE TO COLLECT ON THIS DEBT. 
ORIGINAL SIGNATURE I AGREED TO THIS CRADITOR ON THE CONTRACT. 
HAS THERE BEEN ANY INSURANCE CLAIM FOUND ON THIS DEBT. 



Skip to main content Credit Money Protection Credit Cards Loans Auto & Insurance Help chat Credit overview Experian Equifax TransUnion 1 account reported as late on your most recent credit report.

See late payments Dismiss Your membership now includes daily refreshes of your Experian credit report and FICO Score, upon login.

Federal student loan payments now report to the credit bureaus when 90 days late. Make sure to keep your account current. 

XXXX POOR Daily refresh Fico score XXXX logo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX See what's changed Earn rewards or cash back-see credit cards for you. 

We can help find auto insurance rates that work for you. 

Find the right homeowners insurance rates for you. 

We negotiate your best rate & you save money on monthly bills. 


You're XXXX points from Fair ( XXXX to XXXX ). 


Check how lenders see you Quick actions Boost your XXXXICO Score Review your report Lock your Experian credit file Score ingredients An overview of all the factors impacting your FICO Score.

Payment history 35 % of score FAIR Amount of debt 30 % of score VERY GOOD A balance transfer card can help you pay off credit card debt faster & save on interest. 


See card options Length of credit history 15 % of score GOOD Amount of new credit 10 % of score GOOD Credit Mix 10 % of score GOOD View key factors Debt summary Lenders report your balance and payment status to Experian, typically once a month. This is what they last shared as of XX/XX/year>2025. 

TOTAL DEBT {$64000.00} Credit cards or credit lines Auto loans or leases Student loans Other accounts View full Experian report from XX/XX/year>2025 2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: DC

Complaint narrative:
DEBT VALIDATION CLAIM, I WANT THE COMPANY TO PROVIDE FULL DETAILS LIST ON THIS TITLE ACCOUNT. 
I NEED CLAIM OF TITLE YOU HAVE TO COLLECT ON THIS DEBT. 
ORIGINAL SIGNATURE I AGREED TO THIS CRADITOR ON THE CONTRACT. 
HAS THERE BEEN ANY INSURANCE CLAIM FOUND ON THIS DEBT. 



Skip to main content Credit Money Protection Credit Cards Loans Auto & Insurance Help chat Credit overview Experian Equifax TransUnion 1 account reported as late on your most recent credit report.

See late payments Dismiss Your membership now includes daily refreshes of your Experian credit report and FICO Score, upon login.

Federal student loan payments now report to the credit bureaus when 90 days late. Make sure to keep your account current. 

XXXX POOR Daily refresh Fico score XXXX logo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX See what's changed Earn rewards or cash back-see credit cards for you. 

We can help find auto insurance rates that work for you. 

Find the right homeowners insurance rates for you. 

We negotiate your best rate & you save money on monthly bills. 


You're XXXX points from Fair ( XXXX to XXXX ). 


Check how lenders see you Quick actions Boost your XXXXICO Score Review your report Lock your Experian credit file Score ingredients An overview of all the factors impacting your FICO Score.

Payment history 35 % of score FAIR Amount of debt 30 % of score VERY GOOD A balance transfer card can help you pay off credit card debt faster & save on interest. 


See card options Length of credit history 15 % of score GOOD Amount of new credit 10 % of score GOOD Credit Mix 10 % of score GOOD View key factors Debt summary Lenders report your balance and payment status to Experian, typically once a month. This is what they last shared as of XX/XX/year>2025. 

TOTAL DEBT {$64000.00} Credit cards or credit lines Auto loans or leases Student loans Other accounts View full Experian report from XX/XX/year>2025 2025

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 2025-03-21 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: GA

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. This account has violated my rights. 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. 
Accounts : XXXXXXXX XXXX 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