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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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: 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, D.C. XXXX Subject : Ongoing Inaccuracy on Credit Report and Inadequate Investigation by Transunion Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding a persistent and unresolved issue with my credit report, and the failure of Transunion to adequately investigate and correct the inaccurate information despite multiple previous attempts to request assistance. I have disputed inaccurate information on my credit report with Transunion under the Fair Credit Reporting Act ( FCRA ), but the investigation conducted was clearly inadequate and did not result in the correction of the error. Despite providing relevant documentation and requesting a thorough review, the company failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which mandates that a consumer reporting agency must provide a notice with the results of the reinvestigation, including a description of the procedure used to determine the accuracy and completeness of the information. This step was not followed. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if the disputed information is found to be inaccurate or can not be verified, the credit reporting agency is required to delete the item from the consumers file and notify the furnisher of that deletion. This also has not occurred in my case. The failure of Transunion to correct this inaccurate information has caused and continues to cause significant harm to my financial well-being, including but not limited to the denial of credit and unfavorable lending terms. I am requesting that the CFPB take action to ensure that Transunion complies with its obligations under federal law and provides me with written confirmation detailing the steps taken to correct this issue. If this matter is not resolved promptly and satisfactorily, I will be compelled to escalate this issue further with the CFPB and other relevant regulatory agencies. Thank you for your attention to this matter. I respectfully request your assistance in ensuring that my rights under the FCRA are upheld. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ 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: 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: CA

Complaint narrative:
This correspondence serves as a formal follow-up and final notice regarding your continued noncompliance with the Fair Credit Reporting Act ( FCRA ), despite my previous dispute dated XX/XX/XXXX. To date, you have failed to conduct a proper reinvestigation of the disputed accounts listed below, nor have you provided the legally required verification documentation in response to my demand under FCRA 611 ( a ). Let me remind you that under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ), you are obligated to complete a reasonable reinvestigation of disputed information and to delete or modify any unverifiable data. Additionally, under FCRA 623 ( b ), data furnishers must investigate and report the results of the reinvestigation to the credit reporting agency in a timely and accurate manner. Your failure to do so not only undermines the integrity of the credit reporting system but also exposes your organization to significant legal liability under FCRA 617 for damages resulting from your willful or negligent noncompliance. 
Documentation Still Required : Despite my prior request, you have not produced any of the following : 1. A copy of the original creditor agreement bearing my signature ( if applicable ) ; 2. Records or communications used to verify the accuracy of the disputed information ; 3. Documentation outlining your reinvestigation procedure and final findings. Without this verification, continued reporting of inaccurate information violates FCRA 611 ( a ) ( 5 ) ( A ), which explicitly requires deletion if information can not be verified. Continued Noncompliance Legal Implications You are now in a clear pattern of willful noncompliance. I remind you of the precedent set in : XXXX XXXX TransUnion Corp., XXXX XXXX XXXX ( XXXX XXXX. XXXX ) where failure to conduct a reasonable reinvestigation was held as willful noncompliance ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) where damages were awarded due to inaccurate reporting and failure to properly reinvestigate. 
I reserve all rights to pursue monetary damages, including : Statutory damages up to {$1000.00} per violation ; Punitive damages for willful noncompliance ; Compensation for actual damages, including emotional distress and credit denials ; Legal fees and court costs, if litigation becomes necessary. 

Dept Of Ed/XXXX XXXX, Dept Of EdXXXX XXXX , Dept Of EdXXXX XXXX , Dept Of EdXXXX XXXX & Dept Of EdXXXX 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information 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 items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Im reaching out because I recently reviewed my credit report and noticed some accounts listed that I never opened or authorized. Ive never had any dealings with these companies, and seeing them show up on my report was both confusing and alarming. Just to be clearthese accounts are not mine. I didnt open them, I didnt give anyone permission to use my information, and I have no connection to them whatsoever. It seems like my personal information may have been used without my knowledge.

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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$400.00} XXXX XXXX  XXXX XX/XX/XXXX -- {$11000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

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: 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:
I am formally disputing the following negative items on my credit report. 
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 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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: Early Warning Services, LLC
State: TX

Complaint narrative:
FCRA Violations This serves as formal notice of my intent to initiate legal action against XXXX XXXX XXXX multiple violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

Despite previous attempts to resolve this matter through dispute filings, TransUnion has failed to comply with its legal obligations, including but not limited to : Failure to conduct a reasonable investigation of disputed information under FCRA 611 ( a ) ; Failure to delete inaccurate, incomplete, or unverifiable information within the 30-day statutory timeframe.

Continued reporting of information known to be inaccurate in violation of FCRA 623 ( a ) ( 1 ) ( A ) ; Failure to provide proper written results of dispute investigations and supporting documentation as required.

The disputed item ( s ) that remain inaccurately reported are as follows : Creditor Name : XXXXXXXX XXXX Account Number : [ XXXX ] Type of Error : [ identity theft, reinserted item without notice ] These violations have directly harmed me by lowering my credit score, interfering with my ability to obtain credit and financing, and causing emotional and financial distress.

Unless this matter is resolved within 15 days of receipt of this letterincluding the immediate deletion of the inaccurate item ( s ) and written confirmation of correctionI will pursue legal action against TransUnion.

Please be advised that I am prepared to seek statutory damages, actual damages, punitive damages, and attorneys fees as provided under the FCRA. 

Attached is the documentation to support my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MI

Complaint narrative:
On XX/XX/year>, I booked a reservation at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX through XXXX. I initially selected a pay later option for XX/XX/year>, but before check-in, I extended the stay to include XX/XX/year>. XXXX immediately charged my Chime debit card {$170.00} for the extension. 

When I arrived at the hotel to check in, I was denied service because the hotel refused to accept my Chime card for the incidental hold, even though it was the same card they had already successfully charged. I presented valid photo ID and offered to use the card that had already been billed, but the front desk refused check-in. I never received a key, never accessed a room, and never received any services. 

I immediately contacted XXXX to attempt cancellation and request a refund. They informed me that the refund would require approval from the hotel. XXXX and XXXX both acknowledged that I arrived in person and presented valid ID, yet my refund request was denied under the pretense of a non-refundable rate. I filed a formal dispute with Chime on XX/XX/year>. 

Despite following all proper procedures, I was charged for a reservation I was never allowed to use. XXXX and XXXX have both confirmed that I was denied check-in due to a card policy, not for any failure on my part. No service was rendered, and this charge is unjust. 

I have submitted documentation to Chime, filed BBB and FTC complaints, and escalated the issue to the XXXX XXXX XXXX. XXXX now requesting CFPB assistance in resolving this unauthorized charge, as I did not receive the goods or services paid for.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, 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 1681. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy. 

1

5 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 reasonable cause to believe that the information is innacurate

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL, XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$990.00} Charged off XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$980.00} Charged off XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$690.00} Charged off XXXX XXXXXXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Charged off XXXX  Account Number XXXX Open Date XX/XX/XXXX Balance : {$6600.00} Charged off XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$99.00} Collection

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: 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: CA

Complaint narrative:
I am contesting the inaccuracies on my credit report as they are directly affecting my financial health and creditworthiness. Despite multiple attempts to address these issues, the same errors continue to appear. These repeated mistakes are damaging my credit score and preventing me from accessing essential financial opportunities. It is vital that these discrepancies be thoroughly reviewed and corrected immediately.

If these issues are not resolved within an appropriate timeframe, I will take legal action for any resulting damages, including seeking compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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