vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: FL

Complaint narrative:
RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCUARACIES ON MY ACCOUNT. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCUARACY. HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCYRATE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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:
These accounts were opened without my authorization and should not be on my credit report. I urge you to correct this issue by deleting them.

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 2025-05-20 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-20 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: SC

Complaint narrative:
XXXX XXXX  Account XXXX Balance- {$57.00} OpenedXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX Account XXXX Balance- {$560.00} Opened-XXXX XXXX  XXXX XXXX XXXX Account XXXX XXXX XXXX, XXXX XXXX XXXX Account XXXX Balance : {$8400.00} XXXX XXXX, XXXX I was a victim of identity theft. As the consumer protected by the Fair Credit Reporting Act ( FCRA ) under section 605b. ( i am formally asking that you blockdelete all account that are resulting identity theft or fraudulent activity.

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 2025-05-20 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: SC

Complaint narrative:
XXXX XXXX  Account XXXX Balance- {$57.00} OpenedXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX Account XXXX Balance- {$560.00} Opened-XXXX XXXX  XXXX XXXX XXXX Account XXXX XXXX XXXX, XXXX XXXX XXXX Account XXXX Balance : {$8400.00} XXXX XXXX, XXXX I was a victim of identity theft. As the consumer protected by the Fair Credit Reporting Act ( FCRA ) under section 605b. ( i am formally asking that you blockdelete all account that are resulting identity theft or fraudulent activity.

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 2025-05-20 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:
I am writing to formally dispute an unauthorized hard inquiry that appears on my Transunion credit report. I have not authorized any affiliated entity to perform a credit check, and as such, this inquiry constitutes a violation of the Fair Credit Reporting Act ( FCRA ) 1681b ( a ), which mandates that credit inquiries must have a permissible purpose and explicit consumer consent.

Unauthorized Inquiries Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * Bureau Reporting : Transunion Legal Violations : 1. FCRA 1681b ( a ) - Lack of permissible purpose : These inquiries were performed without my written authorization, violating federal law.

2. FCRA 1681c-2 - Right to block fraudulent information : Under this section, I have the right to request immediate removal of unauthorized items.

3. FCRA 1681i ( a ) - Duty to reinvestigate : Transunion must conduct a thorough investigation and remove any inaccurate or unverifiable information within 30 days. 
Requested Action : * Immediately delete the unauthorized inquiries from my credit report. 
* Provide written confirmation of the removal within 30 days. 
* If you believe the inquiries are valid, provide documented proof of my authorization. 
Next Steps if Not Removed : Failure to remove these inquiries promptly will result in the following actions : * A formal complaint with the Federal Trade Commission ( FTC ) for noncompliance with the FCRA. 
* Potential legal action to enforce my rights under the FCRA. 
This is a final request for Transunion to comply with federal law and remove the unauthorized inquiries. Please send a written response confirming the resolution to my mailing address above.

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 2025-05-20 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:
I am writing to formally dispute an unauthorized hard inquiry that appears on my Transunion credit report. I have not authorized any affiliated entity to perform a credit check, and as such, this inquiry constitutes a violation of the Fair Credit Reporting Act ( FCRA ) 1681b ( a ), which mandates that credit inquiries must have a permissible purpose and explicit consumer consent.

Unauthorized Inquiries Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * Bureau Reporting : Transunion Legal Violations : 1. FCRA 1681b ( a ) - Lack of permissible purpose : These inquiries were performed without my written authorization, violating federal law.

2. FCRA 1681c-2 - Right to block fraudulent information : Under this section, I have the right to request immediate removal of unauthorized items.

3. FCRA 1681i ( a ) - Duty to reinvestigate : Transunion must conduct a thorough investigation and remove any inaccurate or unverifiable information within 30 days. 
Requested Action : * Immediately delete the unauthorized inquiries from my credit report. 
* Provide written confirmation of the removal within 30 days. 
* If you believe the inquiries are valid, provide documented proof of my authorization. 
Next Steps if Not Removed : Failure to remove these inquiries promptly will result in the following actions : * A formal complaint with the Federal Trade Commission ( FTC ) for noncompliance with the FCRA. 
* Potential legal action to enforce my rights under the FCRA. 
This is a final request for Transunion to comply with federal law and remove the unauthorized inquiries. Please send a written response confirming the resolution to my mailing address above.

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 2025-05-20 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: IL

Complaint narrative:
I recieved a call from US Bank that a debit card was applied for online under my maiden name. I told US Bank it was fraudulent and they cancelled the request. Now I am recieving statements with transactions even though the account was to be cancelled.

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 2025-05-20 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:
I kindly request the immediate removal of this incorrect late payment from my account. My payment history has always been punctual, and this error is causing unnecessary concern. Please update my account accordingly.

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 2025-05-20 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: GA

Complaint narrative:
My credit file has been compromised. I filled a Federal Trade Commission ID Theft Report. I have inquiries and a collection I have no knowledge of and the collection company cant seem to validate the account. The credit bureaus Transunion and XXXX  will not remove the item. 


XXXX XXXX XXXX XXXX Also my credit score keep dropping with XXXX  for no reason. It clearly says no changes recognized but my score dropped XXXX points in one day for no reason at all. This happens every time I report XXXX. None of my other credit bureau points me like XXXX  and keep dropping my score with no explanation to why

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 2025-05-20 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: GA

Complaint narrative:
My credit file has been compromised. I filled a Federal Trade Commission ID Theft Report. I have inquiries and a collection I have no knowledge of and the collection company cant seem to validate the account. The credit bureaus XXXX and Equifax will not remove the item. 


XXXX XXXX XXXX XXXX  Also my credit score keep dropping with Equifax for no reason. It clearly says no changes recognized but my score dropped XXXX points in one day for no reason at all. This happens every time I report Equifax. None of my other credit bureau points me like Equifax and keep dropping my score with no explanation to why

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: NY

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit report. I have recently discovered that I am a victim of identity theft, and multiple unauthorized accounts and inquiries have been reported on my credit file. These items were neither authorized nor initiated by me, and they do not reflect my personal or financial activities.

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I am requesting that you block and remove all fraudulent accounts and inquiries associated with my identity. Enclosed, you will find a list of the disputed items along with a copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ). 

I kindly ask that you investigate these discrepancies and take the necessary actions to delete these fraudulent entries from my credit file at your earliest convenience. Please provide written confirmation once these corrections have been made. 

I appreciate your prompt attention to this matter and look forward to your timely response.

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 2025-05-20 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: CA

Complaint narrative:
I was recently reviewing my train union credit report, and noticed some inaccuracies on my credit report as it relates to student loans. I have two late payments reporting that immediately jump to 90 day late payments but every month prior is up-to-date under XXXX XXXX guidelines all all reports that you are reporting must be accurate. FCRA guidelines require maximum accuracy on all credit reports so I would like an investigation into this matter, including documentation in the process of verification of those late payments these errors must be in relation to a computer error on the creditor side, if you can not provide me with this information in a timely manner update my late accounts to PAANL status the accounts I am talking about the first one is XXXX account number XXXX open XX/XX/year> the second account is also XXXX also open XX/XX/year>. That account number is 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 2025-05-20 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, XXXX XXXX Subject : Complaint Against TransUnion Regarding Repeated Charge-Off Reporting on UPSTART NETW Account and Failure to Provide 1099-C Dear Consumer Financial Protection Bureau , I am filing a formal complaint against TransUnion regarding the inaccurate and potentially unlawful reporting of my XXXX XXXX unsecured loan account # XXXX. 

Nature of the Complaint : While shopping for a vehicle, I reviewed my credit report and discovered that this XXXX  XXXX  account is reported as charged off for XXXX consecutive XXXX XX/XX/XXXX through XX/XX/XXXX ( XXXX ). 

This repeated monthly reporting of a charge-off is misleading and appears to double-report the derogatory status of the account. A charge-off is a one-time accounting event, not something that should be listed as recurring. This reporting creates a false impression of multiple charge-offs and unfairly harms my credit profile.

Additionally, I have not received a 1099-C form, which would be required by the IRS if the debt had been forgiven or canceled. The absence of this form raises serious concerns about the accuracy and legality of the reported status.

Legal Concerns : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), TransUnion is required to follow procedures that ensure the maximum possible accuracy of the information reported in consumer credit files.

Reporting a charge-off over multiple months misrepresents the nature of the event and misleads potential creditors.

If the debt was canceled, failure to issue a 1099-C may indicate violations of both IRS and consumer reporting requirements.

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 2025-05-20 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
In pursuant of section 1006.34a ( 1 ) and 15 USC 1692g requires a debt collector to provide debt validation and disclose details about the original debt. I sent a letter requesting the original contract, address, location, payment history, valid signature and debt assignment or transfer. The only document I received was account numbers and information of current debt collector ( NCA ) licensed in XXXX ( attached ). I have a right to review the original contract as requested. However, the debt collector repeatedly failed to authenticate or provide the legitimacy of debt. The debt collector continues to contact me after I insisted they stop collection efforts. ( 15 USC 1692c ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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:
This complaint serves as a formal follow-up to the complaint I submitted last month regarding the unauthorized and fraudulent use of my Social Security number and personal identifying information. This correspondence reiterates and reinforces my demand for the immediate removal of all accounts that were fraudulently opened in my name. 

These accounts were not authorized, opened, or consented to by me and are not reflective of any legitimate financial activity. Their continued presence on my credit report is both inaccurate and damaging. 

Legal Grounds for Immediate Deletion : Pursuant to the following federal laws and regulations, I demand the permanent deletion of all fraudulent data : XXXX XXXX XXXX XXXXXXXX : I am exercising my right to request the removal of all information resulting from identity theft. You are obligated to comply with this request. 

XXXX XXXX XXXX XXXX, Subpart H : You are legally required to delete fraudulent information from my credit file within XXXX ( XXXX ) business days of receiving notice. 

XXXX XXXX XXXX XXXX ( XXXX ) ( B ) : Any credit transaction involving the unauthorized use of a Social Security number must be excluded from any consumer report. 

XXXX XXXX XXXX XXXX : Misrepresenting a debt or furnishing deceptive forms is a direct violation of federal law. 

Demand for Immediate Action : Let me be absolutely clear : These accounts are fraudulent. 

Your continued reporting of them is reckless and potentially unlawful. 

I demand that all fraudulent accounts and inquiries be deleted from my credit file immediately. 

Any collection efforts tied to these accounts must cease and desist without delay. 

BELOW ARE THE ITEMS THAT NEEDS TO BE REMOVE ASAP : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX * * * * Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX * * * * Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX  XXXX XXXX * * * * Balance : {$1300.00} Date Opened : XX/XX/XXXX XXXX  XXXX XXXX * * * * Balance : {$1800.00} Date Opened : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX charge my credit card {$250.00} for item never derived. XXXX took 2 weeks to find item and never find items and did not give credit either. I call credit card and requested charge back from credit card. Capital one credit card never sent letter to get more explaination and revere charge back. I contest and credit card refuse to accept my request on the ground of lapse of time

Company response to consumer: Closed with monetary relief