vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 if the person knows or has reaso
nable cause to believe that the information is innacurate

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 2025-03-14 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I had two separate leg on XXXX XXXX XXXX XXXX and XXXX. In error I purchased baggage fee on XXXX ( this leg already have baggage included ) instead of on leg XXXX. A week prior to my departure of the leg XXXX from XXXX, XXXX to XXXX, XXXX  ( XXXX XXXX XXXX ) I submitted a dispute for the {$65.00} be credited back to my credit card. XXXX XXXX is currently investigating the issue, yet USAA close my dispute with them with notes indicating that USAA found the charge valid.

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 2025-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-14 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-03-14 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
this account does not belong to me, the original creditor was XXXX XXXX. I dont where womens lingerie. this is a mistake or identity theft,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-03-14 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: MD

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite numerous disputes and opportunities to correct the inaccuracies on my credit report, you have failed to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: VA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$XXXX} XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX  XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX  - XXXX XXXX XX/XX/XXXX - {$XXXX} XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$XXXX} XXXX  XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXXXXXX XXXX  - XXXX - XX/XX/XXXX - {$XXXX} XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXXXXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXXXXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX/XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX XXXX/XXXX  - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-14 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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXXXXXX 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 2025-03-14 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: GA

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! 

"

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 2025-03-14 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:
" 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! 

"

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 2025-03-14 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:
PLEASE SEE LETTER ATTACHED. I discovered multiple online accounts that do not belong to me, and I believe they may be a result of identity theft or unauthorized access. These accounts appear to contain personal or financial information that I did not create or authorize. Im concerned that these accounts could be used for fraudulent activities or could have been created with my personal information without my consent. I would like to report this to the FTC to investigate potential misuse of my identity and prevent further damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: GA

Complaint narrative:
PLEASE SEE LETTER ATTACHED. I discovered multiple online accounts that do not belong to me, and I believe they may be a result of identity theft or unauthorized access. These accounts appear to contain personal or financial information that I did not create or authorize. Im concerned that these accounts could be used for fraudulent activities or could have been created with my personal information without my consent. I would like to report this to the FTC to investigate potential misuse of my identity and prevent further damage.

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 2025-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I reached the end of my auto loan and had a balance of XXXX due to interest accumulated on late payments. I understood that and capitalones website advised options to resolve are available. When I contacted capital one I asked if they can split the remaining balance over payments so that the account wouldn't be reported negative on my credit report. They stated they couldn't split up the payments but they would note the account that I would continue to make monthly payments but I would still be eligible for repo. I don't understand how they can say options are available but the only option they provided was to pay in full or be subject to report and delinquent payments on my credit report. This is predatory, especially when I've paid over XXXX on a high interest loan. I called again today to try and resolve and instead spoke to XXXX representatives who kept me on the phone for XXXX minutes each to then say they couldn't help me bc my account is with another department. I asked for the phone number for the other department and there wasn't another number.the last person hung up on me, I was on the phone for XXXX minutes with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
I went on your app to see if I can dispute two charges from XXXX, but there is no option to dispute on the credit card. 

I don't want to waste my time by calling your customer service and waiting long time, verifying all of my details, it wastes a lot of time, So I'm writing to you because I made two purchases on the XXXX app and one was the mattress, the first XXXX purchase was made on XX/XX/year>, {$100.00}, this mattress has already been returned, it was picked up by the merchant on XX/XX/XXXX, And the second XXXX purchase was made for a bed which was also ordered on XX/XX/year> and it was for {$180.00}, I already contacted XXXX multiple times to let me return the item because the item is faulty and Not balanced, but I'm not receiving any response from XXXX so I would like to dispute this charge as well. 

Please make disputes easy by letting the customers dispute on the app rather than calling you for the disputes which wastes a lot of time. 

If I knew that disputing charges on FNBO credit card would be so difficult, I wouldn't have started using the FNBO credit card

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am filing this complaint against LexisNexis Risk Solutions , Inc. regarding its failure to provide transparency and accuracy in the consumer reports it compiles and distributes. As a consumer reporting agency under the Fair Credit Reporting Act ( FCRA ), LexisNexis provides Motor Vehicle Records ( MVRs ) and criminal history background checks to third parties, including insurers and employers. 

I am formally requesting a complete copy of all consumer reports LexisNexis has provided to third parties regarding me over the past 10 years, including but not limited to : Motor Vehicle Records ( MVRs ) Reports containing my driving history, traffic violations, license suspensions, and other motor vehicle-related data that LexisNexis has obtained from state Departments of Motor Vehicles and sold to insurers for underwriting and risk assessment. 
Criminal History Background Checks Reports containing arrest records, court case information, and conviction history that LexisNexis has compiled and provided to employers, landlords, and other entities. 

Additionally, I have reason to believe LexisNexis may have reported inaccurate or incomplete information about me to third parties, including insurers, resulting in financial harm. Therefore, I am also requesting : A list of all third parties that have accessed or received my reports.

A detailed explanation of LexisNexis data verification process before distributing my consumer information.

Under the FCRA ( 15 U.S.C. 1681g ) and relevant consumer protection laws, I have the right to access, review, and dispute any inaccurate information in my file. LexisNexis is legally required to provide consumers with copies of their reports and ensure the accuracy of all data it sells.

I request that the CFPB investigate this matter and require LexisNexis to provide me with all records it has distributed concerning me over the past 10 years. Failure to comply with this request may result in further legal action.

Company response to consumer: Closed with explanation