vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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: GA

Complaint narrative:
I am writing you about the the Fraudulent use of my social security number due to the XXXX  XXXX XXXX. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint XXXX  XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth so there will be no discrepancy on the fraudulent accounts listed by me. The information below, which appears on my credit report, does Not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. Identity Theft XXXX XXXX  Account Number : XXXX XXXX. 
XXXX XXXX  Account Number : XXXX XXXX. 
XXXX Account XXXX : XXXX XXXX. 
XXXX Account XXXX : XXXX XXXX. 
XXXX XXXX Account XXXX : XXXX XXXX. 
XXXX  XXXX Account XXXX : XXXX XXXX. 
XXXX Account XXXX : XXXX XXXX. 
XXXX Account 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
Consumer complaint received 2025-05-30 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: AZ

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

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 2025-05-30 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem 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 non-monetary relief
Consumer complaint received 2025-05-30 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: MS

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-30 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: MS

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: SC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-05-30 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: SC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: CL Holdings LLC
State: GA

Complaint narrative:
Someone opened a XXXX account in my name and it's fraudulent. I've never had XXXX and never will have a bill for {$3400.00}. I have XXXX XXXX  and always been with XXXX XXXX. I never opened the account. I also have a XXXX XXXX XXXX  on my XXXX. XXXX XXXX XXXX have a balance of {$1600.00}. I'm XXXX. I haven't used my credit in over XXXX yrs. I don't own anything. I'm trying to get myself together and I'm seeing things on my credit that's impossible. XXXX XXXX is a debt and XXXXXXXX XXXX XXXX. I've been calling all credit companies and ; have freezes on my accounts. Can you help get this off cause this is fraud. Im XXXX  and someone is stealing my identity and getting things in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: LA

Complaint narrative:
I've recently received a copy of my credit report and noticed several accuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-30 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I noticed an entirely new account on my Chase website account page, with a balance of {$1500.00}, account number begins XXXX... 
I don't recognize this account and have not made these charges and believe this is a fraudulent use of my identity. I called my bank and they told I need to file a report and contact the other credit agencies, XXXX XXXX and XXXX which I have done, and I was advised to make a report here to help further fraud investigation. I have initiated a fraud complaint/ investigation with Experian. I am attaching a legal form of identification to this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: CA

Complaint narrative:
I am writing to formally dispute several unauthorized or inaccurate hard inquiries listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( c ), a consumer report may only be accessed with permissible purpose and with my explicit authorization. I am requesting that you immediately investigate and remove any inquiries for which you can not provide documented proof of my authorization. 
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 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 XXXX XXXXXX/XX/XXXX I am asserting my rights under the following laws : 1. FCRA Section 604 ( 15 U.S. Code 1681b ) Specifies that a consumer reporting agency may furnish a consumer report only for certain permissible purposes, and only with the consumers consent where required.

2. FCRA Section 611 ( 15 U.S. Code 1681i ) Gives me the right to dispute any information on my credit report I believe is inaccurate or incomplete, and requires you to investigate within 30 days.

3. FCRA Section 623 ( 15 U.S. Code 1681s-2 ) Mandates that data furnishers may not provide inaccurate information and must correct and update any information they find to be inaccurate after an investigation.

4. FDCPA Section 807 ( 15 U.S. Code 1692e ) Prohibits the use of any false, deceptive, or misleading representation, including the use of unauthorized inquiries.

I did not authorize the inquiries listed above. Therefore, they constitute a violation of my consumer rights. If these inquiries remain on my report without documented proof of authorization, I will consider taking further legal action and filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

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 2025-05-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute several unauthorized or inaccurate hard inquiries listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( c ), a consumer report may only be accessed with permissible purpose and with my explicit authorization. I am requesting that you immediately investigate and remove any inquiries for which you can not provide documented proof of my authorization. 
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 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 XXXX XXXXXX/XX/XXXX I am asserting my rights under the following laws : 1. FCRA Section 604 ( 15 U.S. Code 1681b ) Specifies that a consumer reporting agency may furnish a consumer report only for certain permissible purposes, and only with the consumers consent where required.

2. FCRA Section 611 ( 15 U.S. Code 1681i ) Gives me the right to dispute any information on my credit report I believe is inaccurate or incomplete, and requires you to investigate within 30 days.

3. FCRA Section 623 ( 15 U.S. Code 1681s-2 ) Mandates that data furnishers may not provide inaccurate information and must correct and update any information they find to be inaccurate after an investigation.

4. FDCPA Section 807 ( 15 U.S. Code 1692e ) Prohibits the use of any false, deceptive, or misleading representation, including the use of unauthorized inquiries.

I did not authorize the inquiries listed above. Therefore, they constitute a violation of my consumer rights. If these inquiries remain on my report without documented proof of authorization, I will consider taking further legal action and filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

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 2025-05-30 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: TX

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
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

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 2025-05-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: PA

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened 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 non-monetary relief
Consumer complaint received 2025-05-30 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: CA

Complaint narrative:
On XX/XX/year> I booked at hotel room for XXXX XXXX XXXX in California from XXXX XXXX using XXXX as the website to book, and Affirm to pay for XXXX dollars. On XX/XX/XXXX I called the XXXX XXXX XXXX to confirm my reservation and they told me that I do not have a reservation with them, and that XXXX never even made a reservation for me even though they sent me a confirmation number and I gave the hotel that confirmation number and they told me it was not valid. I called XXXX to ask them what was going on and they told me they would call the hotel to verify and they claimed to have called the hotel to confirm and gave me a confirmation number. When I called the hotel, they told me that XXXX never even called them, and that the new confirmation they gave me isnt even one of their numbers, I went through this process 4 times of calling XXXX and every new agent I got told me the same thing, that they called to confirm but every time I called the hotel they said that they did not receive any calls from XXXX which tells me they were lying. I recorded every call I had with XXXX and affirm at this point as proof of XXXX XXXX XXXX saying that I do NOT have a reservation and it never existed and that they are sold out of rooms for that date so a reservation would not have even been possible. At this point I disputed the transaction with affirm and sent them proof of the email I received from XXXX XXXX XXXX XXXX XXXX booking stating that my reservation never existed and that it is not even a valid confirmation number. They didnt want my recorded phone logs. They told me this process could take up to 60 days which was very disappointing because that would mean Id miss the XXXX XXXX stay AND still owe payment for it even though it didnt even exists. Today on XX/XX/year>, affirm told me that my concerns were valid based on the emailed proof I sent to them of XXXX XXXX XXXX XXXX XXXX booking agent stating my reservation never existed but that they still have to side with XXXX because XXXX sent them proof of the confirmation number which did absolutely nothing for me when provided to the hotel. Affirm did not even try to contact the hotel themselves because the hotel wouldve told them that the reservation never even existed and at that point they wouldve confirmed my complaint. It is absolutely ridiculous that now I am stuck paying XXXX dollars for a reservation that never even existed that I NEVER even got to go to. I was planning this trip for a year for my girlfriend and I am looking for help to resolve this matter because the reservation simply did not exist. I am looking for a resolution to my concern.

Company response to consumer: Closed with explanation