vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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: TX

Complaint narrative:
I was recently reviewing my Credit Report and noticed that there were fraudulent accounts that i did not authorize.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that this account be removd from my Credit Report. 

Account name / Account number XXXX XXXX XXXX XXXXXXXX

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 2025-05-28 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: MO

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am writing to request the removal of fraudulent accounts and inquiries from my credit report. I am a victim of identity theft, and these items were not authorized by me and do not belong to me.

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I ask that you block and delete the unauthorized information. Enclosed are a list of disputed items and my Identity Theft Report filed with the FTC.

Please investigate and confirm in writing once the corrections are made. Thank you for your prompt attention.

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 2025-05-28 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Dispute of Information Resulting from Improper Disclosure of Personal Data under 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ) To Whom It May Concern, I XXXX XXXX XXXX XXXX writing to formally dispute information contained in my credit file that may have been obtained, used, or reported in violation of federal privacy laws, specifically 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act.

Under this statute, financial institutions are prohibited from disclosing nonpublic personal information about consumers to non-affiliated third parties without first providing clear notice and an opportunity to opt out. I have reason to believe that EXPERIAN shared or used my personal financial information without proper authorization or privacy notice, which maXXXX have resulted in the inaccurate or unauthorized entry on my credit report. 
The entries in question is as follows : Creditor/Institution : XXXXXXXX XXXX Account or Reference Number:XXXX Date Reported:XXXX Creditor/Institution : XXXX XXXX XXXX XXXX Account or Reference Number : XXXX Date Reported : XX/XX/XXXX Creditor/Institution : XXXX XXXX XXXX. 
Account or Reference Number : XXXX Date Reported : XX/XX/XXXX Creditor/Institution : XXXX XXXX XXXX Account or Reference Number : XXXX Date Reported : XX/XX/XXXX Creditor/Institution : XXXX XXXX XXXX Account or Reference Number : XXXX Date Reported:XXXX Because this may involve a violation of federal privacy law, I request the following : 1. A reinvestigation of this entry under your responsibilities outlined in the Fair Credit Reporting Act ( 15 U.S.C. 1681i ).

2. Removal of the item if it can not be verified as lawfully obtained and reported.

3. A written statement of your investigation results, including confirmation of the legal basis for the informations inclusion.

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 2025-05-28 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: OH

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

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 2025-05-28 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:
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 2025-05-28 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: PA

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-05-28 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: IL

Complaint narrative:
* * Consumer Financial Protection Bureau * * P.O. XXXX XXXX Iowa XXXX, IA XXXX * * Date : * * [ Insert Date ] * * Subject : * * Complaint Regarding Unauthorized Collection Account Reported by TransUnion * * Your Information : * * - * * Name : * * XXXX XXXX - * * Address : * * XXXX XXXX Ct, XXXX, IL - * * Phone Number : * * XXXX - * * Email : * * [ Your Email Address ] - * * SSN ( Last XXXX ) : * * [ Your Last XXXX Digits of XXXX ] * * Complaint Details : * * To Whom It May Concern, I am writing to formally submit a complaint regarding an unauthorized collection account reported on my credit report by TransUnion. The account in question is from I C System for XXXX XXXX, which I believe is being reported in error and violates several regulations. 

* * Account Information : * * - * * Creditor : * * XXXX XXXX - * * Collection Agency : * * I C System - * * Account Status : * * Open - * * Balance : * * {$270.00} - * * Date Opened : * * XX/XX/year> - * * Type : * * Derogatory - * * Remarks : * * Placed for collection # # # Summary of Violations : XXXX. * * Unauthorized Account * * : I dispute the validity of this collection account, as I have no association with XXXX XXXX. This unauthorized reporting is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
2. * * Inaccurate Reporting * * : The account is reported as " XXXX '' while being classified as derogatory. This misrepresentation is misleading and violates the FCRA, which mandates accurate reporting of consumer information. 
3. * * Lack of Validation * * : I have not received any validation of this debt from I C System, despite my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request such validation. The failure to provide validation is a violation of my rights and further substantiates my claim for deletion. 
4. * * Potential XXXX XXXX Violations * * : The account lacks necessary details such as the Date of Last Activity and Compliance Condition Code, which are essential for accurate reporting. This omission indicates a failure to comply with industry standards for credit reporting. 

# # # Requested Resolution : Given these violations, I respectfully request that the CFPB investigate this matter and facilitate the immediate deletion of this unauthorized collection account from my credit report with XXXX. I also request that I C System provide validation of this debt, as I have the right to know the details of any debt being reported against me. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely, * * XXXX XXXX * * * * Signature ( if sending a hard copy ) * *

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 2025-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
In XX/XX/scrub> 2025, I discovered that Messerli & Kramer P.A., a law firm representing XXXX XXXX XXXX, accessed my XXXX  credit report twice without my consenton XX/XX/XXXX and XX/XX/year>. I did not authorize these hard inquiries, nor was I provided with any documentation or validation of the alleged debt.

The debt in question was originally from XXXX XXXX XXXX, but I previously disputed the account successfully with XXXX and XXXX, resulting in its removal. However, XXXX XXXX continued to report the debt on XXXX  despite no proof of validity. They later initiated a lawsuit against me without first providing any verification or documentation to substantiate the debt, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Additionally, I submitted multiple dispute letters regarding this inaccurate and unverifiable information,
which included specific references to XXXX XXXX compliance and federal reporting standards. My disputes were either ignored or responded to with generic form letters, further violating my rights under 15 U.S.C. 1681i. 

I believe that Messerli & Kramer P.A . and XXXX XXXX XXXX : Accessed my credit report without a valid permissible purpose, Failed to validate the debt as required under 15 U.S.C. 1692g ( b ), Continued to report inaccurate and disputed information, And initiated legal action without first providing any verification.

I am requesting the Consumer Financial Protection Bureau to investigate these actions for potential violations of the FCRA and FDCPA and require the deletion of unauthorized inquiries and inaccurate collections from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: Experian Information Solutions Inc.
State: FL

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-28 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: FL

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-28 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: NY

Complaint narrative:
In XX/XX/2024, I discovered multiple unauthorized transactions on my Way2Go card account totaling approximately {$4800.00}. These included : A {$2900.00} purchase at XXXX XXXX XXXX A {$1300.00} purchase at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATM withdrawal at XXXX XXXX  for {$300.00} XXXX XXXX  ATM fee for {$1.00} {$130.00} at XXXX XXXX XXXX XXXX {$61.00} at XXXX  XXXX  {$1.00} at XXXX XXXX XXXX {$4.00} at XXXX XXXX XXXX {$19.00} at XXXX {$17.00} at XXXX These charges were made without my knowledge or consent. Just before the transactions, my Way2Go account mailing address was changed without my authorization. I did not make or approve this change, and I believe it may be connected to the fraud. 

I reported the unauthorized charges and the address change to Way2Go/Conduent immediately. However, my fraud claim was denied with no clear explanation, no evidence that a proper investigation was done, and no communication outlining how the decision was reached. I was also never informed whether the unauthorized address change was even considered in their review. 

I believe Conduent failed to follow required fraud investigation procedures under Regulation E, and did not take proper steps to safeguard my account. 

I am requesting : A full reimbursement of the stolen funds A detailed explanation of how my claim was handled Confirmation that the unauthorized address change was investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: OH

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hello, I am writing to file a formal complaint regarding the recent handling of my account and fraud claim. 

I have been a loyal XXXX user for nearly a decade. In XXXX, my account was temporarily frozen and later suspended due to unusual activity. On XX/XX/XXXX, I sent money to my husband via XXXX to contribute toward family expenses following a death. As background, my husband and I regularly transfer funds between each other, as we maintain separate bank accounts. 

Shortly after that transaction, both my husband 's and my XXXX accounts were compromised. A fraudster, posing as my husband, sent multiple unauthorized payment requests to me. XXXX  flagged this activity, froze my account, and sent an alert. I contacted support immediately and filed a fraud claim. 

Despite the clear signs of fraud, my claim was denied. I was not notified of the decision until I followed up myself. I then requested to reopen the claim and was advised to submit supporting documentation, which included an email from my husband confirming he did not authorize the transactions. After a week without any update, I followed up againonly to be told that the documentation was not accepted, with no detailed explanation. 

I am extremely frustrated by the lack of communication and transparency throughout this process. I had to repeatedly reach out for updates, and no clear reason has been provided for the claim denial. It is confusing that my account was flagged for unusual activity, yet my fraud claim was dismissed without a thorough explanation. Additionally, no one ever contacted me directlyI had to rely solely on chat support. 

At this point, I am requesting a full review of my case and a refund of the funds lost to fraudulent activity. If this can not be resolved, I would like to close my account. I am also happy to discuss this further over the phone and can include my husband in the conversation. 

Thank you for your time and attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA XXXX XXXX Credit Reporting XXXX and XXXX found out that you are required to investigate any items listed on an id theft report. Please find the ATTACHED documents to assist in the investigation of the erroneous information that is being posted to my report. The following are the compilation of items that are not associated with me or have been initiated without my authorization. 
XXXX XXXX XXXX Balance {$780.00} XXXX XXXX XXXX Balance {$190.00} XXXX XXXX XXXX Balance {$1200.00}

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 2025-05-28 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: NV

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA XXXX XXXX Credit Reporting XXXX and XXXX found out that you are required to investigate any items listed on an id theft report. Please find the ATTACHED documents to assist in the investigation of the erroneous information that is being posted to my report. The following are the compilation of items that are not associated with me or have been initiated without my authorization. 
XXXX XXXX XXXX Balance {$780.00} XXXX XXXX XXXX Balance {$190.00} XXXX XXXX XXXX Balance {$1200.00}

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a written request under FCRA 609 ( a ) ( 1 ) and 610 to [ Equifax/Experian/TransUnion ]

requesting a full consumer file disclosure, including a complete audit of all soft inquiries and historical inquiry activity from 2016 to present.

The bureau has failed to fulfill this request and instead provided a standard consumer credit report, omitting the soft inquiry trail, IP metadata, or archived access logs that I am entitled to receive under federal law. This constitutes a violation of : FCRA 609 failure to disclose full file ; FCRA 610 failure to investigate, explain, or provide complete data ; FCRA 1681e ( b ) failure to ensure completeness and accuracy of data.

I am seeking immediate intervention to compel full compliance with my lawful request, including all soft inquiries, permissible purpose logs, access dates, and archived credit file snapshots.

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