vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: CA

Complaint narrative:
To Whom It May Concern, Im writing to dispute several hard inquiries listed on my TransUnion credit report that I did not directly authorize. These inquiries appeared after I visited a car dealership, but I was never informed that my information would be shared with so many different lenders.

I understand that under the Fair Credit Reporting Act ( FCRA ), every hard inquiry must be based on clear and specific permission from me. I did not provide that authorization for multiple pulls.

Please investigate the following inquiries and remove any that can not be verified with signed documentation proving my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As part of this request, I am providing copies of my identification, SSN, and proof of current address + ftc report Please confirm receipt of this dispute and notify me of the outcome once your reinvestigation is complete. 

Sincerely, 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 2025-04-21 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This letter serves as a formal follow-up to my previous correspondence regarding your agency 's ongoing refusal to comply with the Fair Credit Reporting Act ( FCRA ), specifically in connection with my properly filed identity theft report submitted through IdentityTheft.gov.

To date, your agency has not provided any satisfactory justification for rejecting this report, nor have you taken the necessary steps to investigate or remove the clearly fraudulent accounts listed below from my credit file. As reiterated in my prior letter, federal lawincluding FCRA Section 605B and Section 617requires you to accept valid identity theft reports from consumers, including those submitted through the Federal Trade Commissions IdentityTheft.gov platform. Nowhere does the law require that such reports originate solely from a law enforcement agency.

Your continued rejection of my legally sufficient identity theft affidavit is not only unsupported by federal law but also constitutes willful noncompliance with the FCRA. This failure to act in accordance with clearly established legal procedures and CFPB guidance reflects blatant disregard for my rights as a consumer and victim of identity theft. This is your final notice. You are in violation of federal law by continuing to report and verify account that were opened fraudulently and which I have already disputed with appropriate documentation.

If I do not receive confirmation within 15 calendar days that this account has been permanently removed and that my credit file has been updated to reflect the resolution of this matter, I will proceed to : 1.File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General.

2.Initiate legal action for your violations of FCRA Section 617 and for any damages sustained as a result of your unlawful reporting and failure to investigate. 
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 explanation
Consumer complaint received 2025-04-21 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want to inform the Credit Bureau ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts 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 accounts listed in Identity Theft. Once again HERE ARE THE LIST OF ACCOUNTS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} U S DEPT OF EDXXXX XXXX XXXX XXXX Balance Owed : {$0.00} U S DEPT OF EDXXXX XXXX XXXX XXXX Balance Owed : {$0.00} US DEPT ED XXXX XXXX XXXX Balance Owed : {$0.00}

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 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
Goldman Sach placed my Apple credit card account into a restricted status for what they said was potential fraud. There was no fraud, rather they declined a purchase I was attempting to make without cause or reason. I had ordered from this merchant, with my Apple Card previously, so there was no reason to flag for fraud. Additionally, Goldman Sachs did not reach out, attempt to verify purchase or fraud and just shut off my card. I called to ask why my card was declined, as I pay my balance in full every month and have since I got the card in 2020, I was told the back office would review the account. For what?! I called them to ask why my card was declined for my purchase. They give you an endless run-around, tell you cant speak to the back office but an investigator will reach out when the review is completed. I have been disconnected from chat no less than 15 times unexpectedly and without concern. This has to be illegal. They do not provide a timeline for the supposed review, you cant speak to anyone, customer reps just disconnect or hang up on you and now, a full week later, I am no where near resolution despite two managers have said that they have escalated my account as a priority. After reading consumer complaints I now know that this is a common practice for this company, leaving consumers and customers without recourse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment XXXX review XXXX examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy XXXX completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MA

Complaint narrative:
They placed a XXXX day notice XXXX my credit report. 
I never received any correspondence about me being late. ( not XXXX or XXXX day notice ). 

Also due XXXX the change in their XXXX or website there was a while that payments could not be made online due XXXX the switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
XXXX transaction details with Bank of America Credit card : Transaction amount : XXXX XXXX Transaction date : XX/XX/year>. Claim XXXX. Bank company researched the claim and disapproved based on shipping transaction details. Also, company attached the details of transaction like order, merchant & customer details. Address XXXX name is given as my details but email ID in the order details is someone else email. Also, while checking the XXXX tracking details, it says order delivered at front desk XXXX received name is entirely different person. I'm staying in XXXX, there is no front desk XXXX no order got delivered XXXX  my home on the date it mentioned as delivered. XXXX doesn't have image shown as delivered XXXX  my home. Additional information, I couldn't find any details online about the merchant, link provided in the merchant details not exist, so clearly it's a fake merchant used XXXX make the transaction.

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 2025-04-21 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: MI

Complaint narrative:
XXXX XXXX account : XXXX is reporting inaccurate according to the FCRA to my credit report all XXXX credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian will not even investigate the fraudulent accounts that just send me notices that the fraudulent accounts are mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: Experian Information Solutions Inc.
State: FL

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 XXXX. 15 U.S.C. XXXX, section XXXX ( A ), states that I have the right to privacy. 

15 U.S.C. XXXX, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. XXXX ( a ) ( XXXX ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: FL

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 XXXX. 15 U.S.C. XXXX, section XXXX ( A ), states that I have the right to privacy. 

15 U.S.C. XXXX, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. XXXX ( a ) ( XXXX ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: IL

Complaint narrative:
I want XXXX inform the Credit Bureau ONCE AGAIN that I was a victim of identity theft and I'm requesting XXXX remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA XXXX ( XXXX U.S.C. XXXX ) CREDIT BUREAUS are required to REMOVE any accounts listed in Identity Theft. Once again HERE ARE THE LIST OF ACCOUNTS THAT I WANTED TO REMOVE! 
XXXX XXXX * * * * * * * * * * Balance Owed : {$0.00} XXXX XXXX * * * * * * * * * Balance Owed : {$0.00} XXXX XXXX * * * * * * * * * Balance Owed : {$0.00} XXXX XXXX * * * * * * * * * Balance Owed : {$0.00} XXXX XXXX * * * * Balance Owed : {$0.00} XXXX XXXX  XXXX * * * * * * * * * * Balance Owed : {$350.00} XXXX XXXX * * * * * * Balance Owed : {$0.00} XXXX XXXX XXXX XXXX * * Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Wrong address information across my credit reports Ive moved XXXX another state recently XXXX I need XXXX have my correct address phone number XXXX employer on my credit reports including Experian equifax transunion also chexsystems

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: MA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
ln accordance with the Fair credit reporting act XXXX account # XXXX and Navy FCU account # XXXX, has violated my rights. XXXX USC XXXX section XXXX states I have the right XXXX privacy. XXXX USC XXXX section XXXX A section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX USC XXXX : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX! Between XX/XX/XXXX and XX/XX/XXXX Equifax released their decision XXXX remove this from my credit report after they conducted an investigation XXXX find out if I was obligated this debt XXXX I am not. I did not sign the lease. XXXX XXXX XXXX continues XXXX report inaccurate information XXXX my credit report! I do not owe XXXX! I dont owe them anything it wasnt my apartment! Please remove this from my report or face legal action! This has already been disputed and removed before please stop reporting this inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: NC

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: NC

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: GA

Complaint narrative:
XXXX reported XXXX late status XXXX credit bureaus for the month of XX/XX/year> for XXXX of my accounts. However, I made a payment in XXXX, but the payment was not disbursed between my XXXX accounts ( the same thing happened for XXXX, which resulted in me having to pay more ). I called XXXX they redistributed the payment from XXXX, but the XXXX late payment is still reflected on my credit reports. I need this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern, Im writing XXXX dispute several hard inquiries listed on my Experian credit report that I did not authorize. I never gave permission for my credit XXXX be checked by these companies. 

Please investigate the following inquiries XXXX remove any that can not be verified with my written consent : XXXX XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XXXXE XX/XX/year> XXXX. XXXX XXXX XXXX XX/XX/year> Ive attached a copy of my ID, XXXX, and proof of address for verification. + ftc report Please confirm once the investigation is complete. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Chime Financial Inc
State: TN

Complaint narrative:
I sent {$25.00} through pay anyone with chime XXXX the money was received but it can't be accessed because he does not have a working telephone number to gain access XXXX the account XXXX  reset the password. So the money is sitting a chime account that will not be accessed. They told me XXXX have the recipient call them XXXX  tell them the he doesn't have access XXXX  the account and to send the money back verbally. Why wasn't the pay XXXX anyone, that was sent XXXX  the email that IS linked XXXX his cashapp account receivable XXXX his cashapp obtained XXXX sent to his cashapp account?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
Could you please take a moment XXXX  review XXXX examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy XXXX completeness. Your feedback XXXX insights would be greatly appreciated. Thank you for your time XXXX consideration in 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 explanation