vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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: GA

Complaint narrative:
I am filing this complaint to report a clear violation of the Fair Credit Reporting Act ( FCRA ) by TransUnion, pursuant to 15 U.S.C. XXXX, XXXX, and XXXX ( a ) ( XXXX ). 

I have been the victim of identity theft. I am enclosing my official Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC Report Number : XXXX, which constitutes legally sufficient proof under federal law. 

Under 15 U.S.C. XXXX ( b ), a credit reporting agency must block all disputed information identified in the Identity Theft Report within XXXX ( XXXX ) business days of receipt. The law does not require any further investigation prior to blocking. 

Furthermore, pursuant to 15 U.S.C. XXXX ( a ) ( XXXX ), once the furnisher of the information is notified of the block, they are prohibited from continuing to report the disputed information unless they present original, signed, and verifiable documentary evidence that conclusively proves the account was authorized by me to be reported. 

In accordance with the FCRA, it is not sufficient to simply conduct an internal verification or consult their own records ; the law requires authentic physical or digital evidence such as the original signed contract by the consumer that fully supports the accuracy and legitimacy of the information. 

The following account continues to appear on my credit file despite my multiple disputes and the fact that other credit bureaus have already deleted it for failure to verify : XXXX / XXXX I have never authorized the reporting of this account. There is no signed contract or consent from me that justifies its inclusion in my credit report, which constitutes a violation of 15 U.S.C. XXXXb ( permissible purposes ). 

The continued reporting of this account constitutes the unauthorized disclosure of my non-public personal information and a direct violation of my rights under the FCRA. 

I have contacted TransUnion on multiple occasions and have provided all necessary documentation ; however, I have not been given a clear or definitive resolution. 

This ongoing violation is causing me serious harm, including preventing me from purchasing a new home for my children and limiting my access to essential financial tools. 

Additionally, I have formally requested copies of any contracts or documentation from the furnisher of this account. More than XXXX days have passed without receiving any response, which further confirms there is no verifiable evidence to support this account.

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 2025-08-07 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: TX

Complaint narrative:
I froze my credit reports from the XXXX agencies about XXXX or XXXX  months ago. When I did it through Experian, the website crashed and I was not certain if it was frozen or not. A few days I ago, I tried to obtain a new credit card from a large national bank, and they told me I had to first unfreeze my record through Experian, so I guess my attempt to place the freeze did work. However, when I now try to unfreeze my credit, I can not do it through their website nor through their phone interface, all automated of course. I have tried XXXX different web browsers on my laptop and I have tried to do it through their app on my phone. I have also tried to do it through their phone number that is also automated and will eventually just hangup on you with no way to speak to a human. At this point, their website no longer recognizes my password and to reset it, they ask to send a cXXXXe to my phone. When I type my phone number in, it says that number is not associated with my account. Although I am certain as to which phone number I entered when I tried to freeze my credit report initially, I also tried phone numbers from my place of employment and my spouse 's phone number as well. There is absolutely no way I can get Experian to unfreeze my credit report. It is impossible to speak with a human. I even looked up their corporate number and could not get to a human that way either. This is beyond frustrating. It appears Experian may have my credit frozen forever with no way for me to unfreeze it. I am not computer illiterate. I don't know where else to turn to get help with this nightmare. We are encouraged to freeze our credit reports to prevent crime, and yet Experian has no recourse for assisting people having problems trying to unfreeze their credit reports with them. Looking on the Internet, I see this has happened to others as well. I REALLY hope CFPB can help me. Someone needs to get Experian 's attention to this problem.

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 2025-08-07 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, 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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
These accounts are unauthorized and are not mine. I would like these accounts to be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I had a Kohls XXXX XXXX card issued by Capital One. Before traveling internationally, I updated my address, enrolled in paperless billing, and asked Kohls to contact me by email only. Despite this, Capital One mailed fraud verification letters to my old U.S. address, which I no longer had access to. I never received these letters and had no idea my account was at risk. 

When I finally contacted customer service, I was told by multiple Kohls and Capital One supervisorson recorded callsthat my account could and would be reopened. However, this was later reversed with no proper explanation. 

I was only told that once an account is closed, it can not be reopened because they had attempted to contact me even though they failed to contact me using the correct and updated email address I had provided. I followed all instructions and acted in good faith. The closure happened entirely due to their communication failure, yet they now refuse to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC CXXXXe XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC XXXXb and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC XXXXb ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-07 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: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-08-07 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 did not open these accounts and believe they are the result of identity fraud. Please investigate and update my credit file accordingly. Supporting evidence is attached.

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 2025-08-07 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: MI

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. XXXX ( a ). I became aware of the breach of my personal information through the Transunion data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$10000.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$2200.00} Account Name : XXXX XXXX Account Number : XXXX Date OpenedXXXX Balance : {$13000.00}

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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
am submitting this complaint to dispute several unauthorized hard inquiries listed on my credit reports as of XX/XX/XXXX. I did not apply for credit with these companies, nor did I authorize them to access my credit file. 
Details of Disputed Inquiries : XXXX Date of Inquiry : XX/XX/XXXX Issue : No credit application submitted to XXXX or any affiliated lender on or near this date. This inquiry is unrecognized and unauthorized. 
XXXX  Date of Inquiry : XX/XX/XXXX Issue : I did not initiate or consent to any mortgage or loan application with XXXX XXXX XXXX or its affiliates. This appears to be an error or misuse of my credit file. 
XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Issue : No application was submitted for a new credit account with this company around this date. This inquiry is not associated with any action I took. 
XXXX Date of Inquiry : XX/XX/XXXX Issue : I did not apply for credit with XXXX XXXX or authorize this third-party service to access my credit file. 
XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Issue : No relationship or communication with this company. I did not apply for credit or authorize this inquiry. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX Issue : I did not submit an application for a loan or account with XXXX XXXX. This inquiry was not authorized. 
XXXX Date of Inquiry : XX/XX/XXXX Issue : I did not authorize a hard pull on my credit related to this company. If an application was submitted, it was done without my knowledge or consent. 
Summary of Actions Taken : I reviewed my credit reports and identified these inquiries as unfamiliar or unauthorized. I am now submitting this complaint to the CFPB to request a formal investigation and removal of these inquiries if they can not be verified with proper consent documentation.

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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
am submitting this complaint to dispute several unauthorized hard inquiries listed on my credit reports as of XX/XX/XXXX. I did not apply for credit with these companies, nor did I authorize them to access my credit file. 
Details of Disputed Inquiries : XXXX Date of Inquiry : XX/XX/XXXX Issue : No credit application submitted to XXXX or any affiliated lender on or near this date. This inquiry is unrecognized and unauthorized. 
XXXX  Date of Inquiry : XX/XX/XXXX Issue : I did not initiate or consent to any mortgage or loan application with XXXX XXXX XXXX or its affiliates. This appears to be an error or misuse of my credit file. 
XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Issue : No application was submitted for a new credit account with this company around this date. This inquiry is not associated with any action I took. 
XXXX Date of Inquiry : XX/XX/XXXX Issue : I did not apply for credit with XXXX XXXX or authorize this third-party service to access my credit file. 
XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Issue : No relationship or communication with this company. I did not apply for credit or authorize this inquiry. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX Issue : I did not submit an application for a loan or account with XXXX XXXX. This inquiry was not authorized. 
XXXX Date of Inquiry : XX/XX/XXXX Issue : I did not authorize a hard pull on my credit related to this company. If an application was submitted, it was done without my knowledge or consent. 
Summary of Actions Taken : I reviewed my credit reports and identified these inquiries as unfamiliar or unauthorized. I am now submitting this complaint to the CFPB to request a formal investigation and removal of these inquiries if they can not be verified with proper consent documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take XXXX action against you.

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 2025-08-07 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6400.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief