vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent accounts are a personal credit card account opened at XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX on XX/XX/XXXX, XXXX under the account number XXXX, a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. There are also fraudulent inquiries at XXXX XXXX, on XX/XX/XXXX, and XXXX XXXX, on XX/XX/XXXX appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account, or hard inquiries as reported. The aforementioned account, and hard inquiry appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account, and hard inquiry are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, XXXX as proof from the US Federal Trade Commission that the aforementioned consumer credit account, and hard inquiry are the result of identity theft and fraud. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address 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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established under my name. I would appreciate it if you could consider this situation while reviewing my credit report and take appropriate actions to rectify any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established under my name. I would appreciate it if you could consider this situation while reviewing my credit report and take appropriate actions to rectify any inaccuracies or fraudulent activities.

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to supplement and clarify my existing complaint regarding XXXX XXXX XXXX XXXX  ( XXXX  ), which is reporting a debt in the amount of {$10000.00} that was previously investigated, confirmed as fraudulent, and deleted from my credit reports. Critical Facts : The original account may have been opened in my name, but the transactions and activity were fraudulent and not authorized by me. After filing a fraud report with the FTC and the credit bureaus, the account was removed from my credit reports following an identity theft investigation. Despite this, the same fraudulent account was resold to XXXX, which is now attempting to collect and reporting it to the credit bureaus again. This practice is illegal under federal law, as it is unlawful to sell, transfer, or re-age fraudulent or disputed debt once it has been resolved and removed. Applicable Federal LawViolations Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers must not report information they kno

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: National Consumer Telecom & Utilities Exchange, Inc.
State: LA

Complaint narrative:
XX/XX/2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX XXXX Exchange service center - NCTUE XXXX. XXXX XXXX XXXX, GA XXXX Conformation # XXXX RE : FORMAL DEMAND FOR REMOVAL OF INACCURATE, OUTDATED, AND FRAUDULENT INFORMATION I am writing to formally dispute and demand immediate removal of inaccurate, outdated, and potentially fraudulent information appearing on my credit report. This demand is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Update Personal Information : Phone Number XXXX Address XXXX XXXX XXXX, La XXXX ( Anything Else Should Be Removed ) Email XXXX This demand is made under the following FCRA provisions : 15 U.S.C. 1681e ( b ) - Maximum Possible Accuracy Requirement 15 U.S.C. 1681i ( a ) - Duty to Reinvestigate Disputed Information 15 U.S.C. 1681c - Requirements Relating to Information Contained in Consumer Reports 15 U.S.C. 1681k - Public Record Information for Employment Purposes DISPUTED ACCOUNT REQUIRING IMMEDIATE REMOVAL : Creditor Name : XXXX XXXX XXXX XXXX XXXX Creditor Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX Account Number : XXXXXXXX XXXX  Reported Balance : {$960.00} Date Reported : XX/XX/2025 The above-listed XXXX XXXX XXXX XXXXXXXX XXXX account must be removed because it violates FCRA requirements : 1.INACCURACY : The information reported is factually incorrect and fails the maximum possible accuracy standard required under 15 U.S.C. 1681e ( b ).

2. UNVERIFIABLE : You can not verify the accuracy of this account through reasonable investigation as required under 15 U.S.C. 1681i ( a ) ( 1 ).

3. INCOMPLETE REPORTING : The account information lacks sufficient detail to establish its validity and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established under my name. I would appreciate it if you could consider this situation while reviewing my credit report and take appropriate actions to rectify any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established under my name. I would appreciate it if you could consider this situation while reviewing my credit report and take appropriate actions to rectify any inaccuracies or fraudulent activities.

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to supplement and clarify my existing complaint regarding XXXX XXXX XXXX XXXX  ( XXXX  ), which is reporting a debt in the amount of {$10000.00} that was previously investigated, confirmed as fraudulent, and deleted from my credit reports. Critical Facts : The original account may have been opened in my name, but the transactions and activity were fraudulent and not authorized by me. After filing a fraud report with the FTC and the credit bureaus, the account was removed from my credit reports following an identity theft investigation. Despite this, the same fraudulent account was resold to XXXX, which is now attempting to collect and reporting it to the credit bureaus again. This practice is illegal under federal law, as it is unlawful to sell, transfer, or re-age fraudulent or disputed debt once it has been resolved and removed. Applicable Federal LawViolations Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers must not report information they kno

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to supplement and clarify my existing complaint regarding XXXX XXXX XXXX XXXX  ( XXXX  ), which is reporting a debt in the amount of {$10000.00} that was previously investigated, confirmed as fraudulent, and deleted from my credit reports. Critical Facts : The original account may have been opened in my name, but the transactions and activity were fraudulent and not authorized by me. After filing a fraud report with the FTC and the credit bureaus, the account was removed from my credit reports following an identity theft investigation. Despite this, the same fraudulent account was resold to XXXX, which is now attempting to collect and reporting it to the credit bureaus again. This practice is illegal under federal law, as it is unlawful to sell, transfer, or re-age fraudulent or disputed debt once it has been resolved and removed. Applicable Federal LawViolations Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers must not report information they kno

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 2025-08-17 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:
I am reporting unauthorized inquiries on my credit report due to identity theft. These inquiries were made without my consent. Please remove them from my credit file immediately. Below are the fraudulent inquiries XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Details This inquiry was not authorized by me and is fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Details This inquiry was made without my permission and is fraudulent XXXX XXXX XXXX XXXX  Date XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Details This inquiry was unauthorized and is a result of identity theft XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Details This inquiry was not initiated by me and is fraudulent I did not apply for credit accounts or services with these entities. These inquiries are due to unauthorized use of my personal information. I have filed a police report or an identity theft report with the FTC at www.identitytheft.gov.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : 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 explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXXXXXX - XXXX XXXX  - XXXX XXXX  XXXX - XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX - XXXX XXXX XXXX - XXXX 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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: VA

Complaint narrative:
I, XXXX XXXX, am filing this formal complaint against TransUnion and Experian for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, as well as noncompliance with Metro 2 reporting standards and the E-OSCAR dispute system. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Reported by both TransUnion and Experian as a collection with a {$5600.00} balance. 
- Original balance reported as {$3200.00}, yet the account reflects inflated and inconsistent balances. 
- Status updates contain contradictory dates and unverifiable reporting spanning from XXXX. 
- Scheduled removal dates conflict between bureaus ( XX/XX/XXXX vs. XX/XX/XXXX ). 
- Violates FCRA 1681e ( b ) ( failure to maintain accuracy ) and 1681i ( failure to conduct reinvestigation ). 

XXXX. XXXX XXXX XXXX ( Account No. XXXXXXXX XXXX XXXX XXXX XXXX ) - Reported by both TransUnion and Experian as a collection with a {$310.00} balance, originally from XXXX XXXX XXXX. 
- The account continues to report as open and past due with no verifiable contractual obligation provided. 
- Reporting does not comply with Metro 2 standards for collections ( e.g., balance history inconsistencies, failure to update accurate status ). 
- Scheduled removal dates conflict between bureaus ( XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX ). 
- Violates FCRA 1681e ( b ), 1681i, and 1681s-2. 

Violations Identified : - Failure to ensure maximum possible accuracy under FCRA 1681e ( b ).

- Failure to properly investigate consumer disputes under 1681i.

- Furnishing information without verifying accuracy in violation of 1681s-2. 
- Improper use of Metro 2 compliance fields, leading to misleading and inconsistent reporting.

- Continuing to report unverifiable and inaccurate information despite prior disputes.

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 2025-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
in XX/XX/year>, I was denied a XXXXXXXX XXXX XXXX XXXX  through Chase bank through my Chase bank mobile app. I called when I received this letter asking them to give me a further explanation and both reps of Chase bank told me it was due to their XXXX. I had never heard of this I asked for an explanation of what this was. They said it was their rule I said where was that on the application found as an offer on my Chase bank mobile app they said they do not advertise it. I ask why not they said they didn't have to I said I have never heard of it in my 65 years of living in the United States of America. The representative said well if XXXX XXXX it, it'll explain it to me and I asked her no explain it to me. I'm at Chase bank XXXX. She said she was not allowed to do that. I'm sure the calls were recorded so I know other options but you ask for a reconsider if she said now the letter stated I open too many credit cards in the last 24 months but I am attaching my equifax credit information and XXXX were open in XXXX  months and XXXX was a Chase XXXX card I have my Social Security being direct deposited into Chase bank which I have already changed and I plan on canceling all of my accounts and banking with Chase bank. My credit score is excellent as I have attached from all three Credit recording companies equifax XXXX XXXX XXXX XXXX will document I do not have a mortgage because I paid cash for my house. I do not have any installment loan as the equifax evidence shows and my credit is excellent, but I was denied due to a non-published so-called secret rule that only Chase bank has that I had known this. I wouldn't of taken XXXX of the XXXX offers that are in my banking Chase bank logo app. They denied me a XXXX XXXX offer card. I wanted to get for the travel miles to see my daughter once a year in Maine. So the offer was in my Chase banking mobile app. I have excellent credit. I do not have a mortgage payment they have my direct deposit of my Social Security and Chase bank has my linked to my savings from XXXX XXXX XXXX of XXXX grand. I have no outstanding bills but yet I was denied a credit card due to a XXXX rule that only Chase bank seems to have that I wan na appeal to the CFPB to make Chase bank clearly state that in a customers banking app that if you apply for any of these credit cards are secret XXXX rule is in effect and boldly put that in the details in terms of every offer that is offered a Chase bank customer in their mobile app. I am appealing to the CFPB to penalize Chase bank for this due to. It is not a fair business practice not in my case getting a credit card based on your credit and how you've conducted your life journey.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES 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 explanation
Consumer complaint received 2025-08-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I was charged XXXX from a company with only XXXXXXXX as a name. I have no clue why that is or why it's charging me. When I go to the website it takes me to a billing support page. No description of goods or services, nothing as to what I'm being charged for.

Company response to consumer: Closed with explanation