vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 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: MA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-02-11 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.

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-02-11 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.

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
Subject : Complaint Regarding Inability to Close Account with Affirm Dear CFPB Representative, I am filing this complaint against Affirm ( XXXX XXXX XXXX  ) regarding my repeated and unsuccessful attempts to close my savings account ( # XXXX ). 

I first requested to close my account on XX/XX/XXXX, and since then, I have contacted Affirm multiple times through email, phone, and online chat, but my request has not been processed. The following Case ID numbers document my attempts to resolve this issue : XX/XX/XXXX Case ID : XXXX XX/XX/XXXX Case ID : XXXX XX/XX/XXXX Case ID : XXXX Despite these documented cases, Affirm has failed to take action or provide any justification for not closing my account. My most recent statement ( XX/XX/XXXX XX/XX/XXXX ) confirms that my balance is {$0.00}, and there are no pending transactions that would prevent closure. 

I believe Affirm is intentionally delaying account closures without valid reasoning, which is both unfair and unprofessional. I request CFPBs assistance to : 1. Ensure Affirm immediately processes my account closure and provides written confirmation. 


2. Investigate Affirms failure to respond to my repeated closure requests, despite my multiple documented attempts. 


3. Hold Affirm accountable for failing to follow proper consumer banking practices, ensuring this issue does not continue for other customers. 



I have attached my latest account statement as evidence of my XXXX balance. Please take action to ensure Affirm complies with consumer protection laws and banking regulations. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX Continues to show up on my report even when removed. This is a 2013 account from XXXX  that they are trying to collect from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-11 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: FL

Complaint narrative:
Heres a brief summary of your complaint against Experian : -- - I am filing a complaint against Experian for several issues concerning my credit report. First, Experian has unlawfully sold my personal and financial information to third parties for debt collection purposes, violating my privacy rights. Second, I have experienced repeated denial of credit inquiries despite meeting the required criteria, without adequate explanation. Finally, items I disputed on my credit report have been returned as " verified '' despite providing evidence of inaccuracies. I am seeking immediate resolution to these matters and request an investigation into these violations.

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 2025-02-11 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: Marlette Funding, LLC
State: PA

Complaint narrative:
On XX/XX/year>XXXX XXXX XXXX credit card reduced my credit limit by XXXX to XXXX because the unauthorized check my credit based their decision on upgrade credit card report and XXXX XXXX credit card reportXXXX XXXX has also reduced my credit limit which also has played a part in discussions with other creditors regarding XXXX XXXX XXXX XXXX. All my cards are decreasing my limits base on this sharing of information I did not authorized .while fighting unauthorized charges my credit score and reputation has decreased significantly. My information has been shared and now I received thousands of calls a week with people trying to verify my identity.The calls has massive increase of anybodies with my information. My information was found on dark web etc. My information has been shared to companies Ive never authorized or know of due to sharing of data and personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: RI

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
LVNV Funding LLC Account {$1500.00} Account number XXXX I never had anything with this company and I need it removed from my credit report since they can't provide I signed any documents with them. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: NC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
This complaint is to request restitution for overdraft fees falsely assessed by Navy Federal Credit Union ( NFCU ) during XXXX. I have been a member of NFCU since XXXX. I recently closed my checking accounts in XXXX due to frustration with fraudulent and deceitful tactics. I still have open lines of credit and Savings Accounts with NFCU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I 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 explanation
Consumer complaint received 2025-02-11 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: VA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX Continues to show up on my report even when removed. This is a 2013 account from XXXX  that they are trying to collect from.

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX Continues to show up on my report even when removed. This is a 2013 account from XXXX  that they are trying to collect from.

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 2025-02-12 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: MI

Complaint narrative:
I am filing this complaint against Equifax for failing to comply with the following FCRA and FDCPA laws such as 15 U.S.C. 1681b, 15 U.S.C. 1681e, 15 U.S.C. 6802, 18 U.S.C 102A, the Gramm-Leah-Bliley Act and the Privacy Act of 1974. For the failure of providing proper verification asked upon in multiple previous letters, as I have told them these accounts to do belong to me. I am invoking my right under 1681c-2 ( FCRA Section 605B ), which requires credit reporting agencies to block fraudulent information from my FICO credit file within XXXX business days of receiving a proper identity theft request. 

On the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I sent several dispute letters to Equifax informing them of the fraudulent accounts appearing on my XXXX credit file. Despite fulfilling all legal requirements, Equifax has failed to remove the fraudulent accounts from my XXXX credit file, violating multiple rights under the Fair Credit Reporting Act and several other federal laws. My consumer file continues to reflect fraudulent accounts, causing financial harm and damage to my credit score. I have been denied credit, received increased interest rates, and financial instability due to these fraudulent accounts. I have also severely suffered emotional stress, frustration, and extreme wasted time from the hardship these fraudulent accounts have caused to my livelihood trying to resolve this issue with the Equifax.

I am demanding that Equifax : 1. Immediately remove the fraudulent accounts from my consumer credit file, as required by FCRA Section 605B.

2. Provide written confirmation that the accounts have been blocked.

3. Send me an updated credit report reflecting the corrections.

Documents ( Attached ) Copy of my government-issued ID Copy of my Social Security card FTC Identity Theft Affidavit Equifax has failed to comply with several federal laws, and I request that the CFPB take immediate action to enforce my rights and Ensure Compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: NC

Complaint narrative:
I have a medical debt on my credit report something from probably over 7 years ago. From XXXXXXXX XXXX XXXX It has ruined my credit it went down almost XXXX points. This I found on transunion. I have initiated dispute but I have never gotten far with them in the past.

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 2025-02-11 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: TX

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of the following accounts : XXXX XXXX, opened on XX/XX/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  XX/XX/XXXX. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. These accounts, collections, and inquiries appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. I have also attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
To Whom It May Concern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 
Account : XXXX IDENTITY THEFT REPORT POR FOLIO XXXX XXXX XXXX : XXXX DATE : XX/XX/year> THIS IS NOT MINE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Received a letter from chase bank stating I was denied for a credit card when I didn't apply

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: AZ

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
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 2025-02-11 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: NY

Complaint narrative:
After recently checking my credit report, I believe that I've been a victim of identity theft and found numerous accounts and credit inquiries of which I have no knowledge of. I have attached an FTC Report. I conrm that these accounts and inquiries were made without my authorization. I request that the following accounts and inquiries be removed from my credit report immediately : Hard 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 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 2025-02-11 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: CT

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief