vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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: IL

Complaint narrative:
What happened ( statement of pertinent facts ) : Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), 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, Equifax, and TransUnion credit reporting agency , turned over my personal information to an agency that is appearing on my consumer credit report that I gave no consent nor sign any documents that my information was to be given to any 3rd party office, in which my personal information is in risk to be stolen or be found on the dark web from a breach. Ive also been a victim of identity theft and fraud. I demand that within 4 business days of you receiving this complaint. This matter be fix, or it will be in the honor of the judge to see that information is being given without consent and I will be ask that this matter is compensated if not remove XXXX pre reporting credit bureau. For fraudulent, inaccurate, and false information consists of a personal credit card account given without my written consent To XXXX XXXX XXXX under the account number ( XXXX ), an XXXX XXXX XXXX XXXX XXXX and also to XXXX XXXX XXXX XXXX a credit card account opened at Capital One.These accounts have resulted in 2 fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit 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 explanation
Consumer complaint received 2025-04-14 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Date of Birth : XX/XX/XXXX Email : XXXX Date : XX/XX/XXXX Subject : CFPB Complaint Regarding Experian Data Breach and Fraudulent Information on My Credit Report To Whom It May Concern, I am writing to formally file a complaint against Experian regarding a data breach that has compromised my credit profile and has led to the inclusion of fraudulent information on my credit report. 



Summary of Complaint : I am XXXX XXXX XXXX, a consumer with the above-mentioned address and date of birth. On XX/XX/XXXX, I discovered that my credit profile with Experian contained fraudulent information that I believe is a result of a data breach. This erroneous data includes fraudulent information, unknown accounts, inaccurate personal information, unauthorized credit inquiries,. I did not authorize any of the transactions or account openings associated with this fraudulent information. 



I have already taken the following actions : 1. Contacted Experian to dispute the fraudulent information and requested Validation of accounts with PROOF OF WET SIGNATURES ON ORIGINAL CONTRACTS.

2. Placed a fraud alert on my credit file.

3. Requested a copy of my credit report to review all unauthorized activity.

Despite these efforts, the fraudulent information remains on my credit profile, and I have not received a resolution from Experian in a timely manner regarding these accounts.

Accounts numbers listed below : *credit acceptance - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX Request for Resolution : I request that the CFPB assist in investigating this data breach and the fraudulent information on my credit profile. I seek the following : 1. Immediate removal of the fraudulent information from my Experian credit report.

2. A full investigation by Experian into the breach and unauthorized activity.

3. Confirmation that my credit file is secure and no further unauthorized information has been added.

4. Compensation for any harm or damages caused by the breach, including potential impact on my credit score or eligibility for credit.

I have attached copies of relevant documentation, including my dispute correspondence with Experian, copies of my credit report, and any other supporting materials. 



I appreciate your attention to this matter and look forward to your prompt response. Please contact me at [ Your Phone Number ] or [ Your Email Address ] if you require additional information. 



Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: OH

Complaint narrative:
I used my Chime Credit Builder Visa to rXXXX XXXX XXXX XXXX XXXXXX/XX/year> and returned the XXXX  on XX/XX/year>. Chime sent me a fraud alert asking if I was attempting to make a purchase for {$1600.00} to which I replied no and they replied that the transaction would be blocked. I assumed that was it until the next day when my XXXX was - {$1600.00}. Im not sure how a secured XXXX can go into the negative, but for the last month I have been trying to figure it out. Each time I call I get a different answer. Some so ridiculous that I find myself wondering how this company is allowed to do business. I just got a credit today for {$860.00} from XXXX XXXX XXXX Im not sure why because I still have the car, but I'm assuming it's a mistake and they will want their money. Chime kept that money to pay down the - {$1600.00} so now when XXXX tries to collect their money it's going to decline and I'm going to be in trouble. I was on the phone with Chime today for over three hours getting transferred to different departments and not being able to understand the agents because of a language barrier. I have gotten no answers and find this unacceptable. How can you charge a secured XXXX over {$1600.00} when no funds are available?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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:
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 XXXXXXXX. 
ALL THESE ACCOUNTS WERE NOT VERIFIED CORRCTLY BECAUSE ITS STILL ON MY ACCOUNT ALSO, THEY FAILED TO INFORMED ME OF THE ACTUAL SOURCE OF FURNISHED DATA, I ALSO PROVIDED THE LAST TWO LETTERS I SUBMITTED TO BUREAUS TO FIXED THIS ISSUE, MY REPORTING DATES ISN'T MATCHING THROUGHOUT ALL 3 BUREAUS CREDIT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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:
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 XXXXXXXX. 
ALL THESE ACCOUNTS WERE NOT VERIFIED CORRCTLY BECAUSE ITS STILL ON MY ACCOUNT ALSO, THEY FAILED TO INFORMED ME OF THE ACTUAL SOURCE OF FURNISHED DATA, I ALSO PROVIDED THE LAST TWO LETTERS I SUBMITTED TO BUREAUS TO FIXED THIS ISSUE, MY REPORTING DATES ISN'T MATCHING THROUGHOUT ALL 3 BUREAUS CREDIT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to formally dispute several inaccuracies and incomplete items currently listed on my Experian credit report ( Report Number : XXXX, generated on XX/XX/year> ). Please consider this letter a formal request for reinvestigation, deletion, and/or correction of the following items, as required under FCRA 1681i ( a ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 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 non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I was unable to make an Equifax account and it said to call customer service. When I called customer service, I was unable to speak to a representative. The computer generated customer service representative simply told me to make an account online even though I was calling because I was unable to do this. I simply wanted to talk to a human representative but this option was not given to me by equifax customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: AR

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Tra_icking debt bondage, which falls under tra_icking according to Tra_icking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human tra_icking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXXXXXX XXXX  XXXX XXXX {$4800.00}. XXXXXXXX XXXX XXXX XXXX {$7200.00} XXXX XXXX XXXX XXXX {$5800.00} XXXX XXXX XXXX XXXXXXXX {$7000.00}

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 non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report and to demand a reinvestigation in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Despite prior requests, you have failed to provide verifiable documentation supporting the accuracy of the disputed account ( s ), violating your duties under FCRA 611 ( a ) and 623 ( b ). Continued noncompliance also exposes you to liability under FCRA 617. Legal Liability for FCRA Violations Numerous court decisions have held credit reporting agencies and furnishers financially liable for FCRA violations, including : XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) The U.S. Supreme Court upheld a class-action lawsuit against XXXX for improperly labeling consumers as potential XXXX XXXX XXXX XXXX without proper verification. The company was ordered to pay over {$60.00} XXXX in damages. XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX. XXXX ) XXXX XXXX was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive damages.3. XXXXXXXX XXXX. Equifax Info. Servs., LLC XXXX XXXX XXXX  XXXX XXXX. XXXX ( XXXX XXXX. XXXX ) Equifax was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for XXXX  in damages.4. XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) XXXX was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm. 5. CFPB Enforcement Action against XXXX ( XXXX ) The Consumer Financial Protection Bureau ( CFPB ) fined XXXX {$3.00} XXXX for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights. These precedents highlight the legal risks of noncompliance with FCRA obligations. Disputed Account : Pursuant to FCRA 611 ( a ), I request a prompt reinvestigation of the following : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: FL

Complaint narrative:
This is a debt collector trying to collect a old debt that's pass the statue of limitations. They also are continuing to pay credit bureaus to keep this debt that has pass 7 years on my credit report. I have had tried to resolved this with them. They keep sending me letters about settling. They debt is was suppose to fall off all three of credit bureaus last year. However this company is still paying them to keep this negative item on my credit report. They also can't validate this debt belongs to me. The bureaus are not properly investigating these negative items either. This negative item is hurting my ability to obtain credit services in the near future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: FL

Complaint narrative:
This is a debt collector trying to collect a old debt that's pass the statue of limitations. They also are continuing to pay credit bureaus to keep this debt that has pass 7 years on my credit report. I have had tried to resolved this with them. They keep sending me letters about settling. They debt is was suppose to fall off all three of credit bureaus last year. However this company is still paying them to keep this negative item on my credit report. They also can't validate this debt belongs to me. The bureaus are not properly investigating these negative items either. This negative item is hurting my ability to obtain credit services in the near future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PROVIDENT FUNDING ASSOCIATES
State: TN

Complaint narrative:
I pay my insurance policy with my mortgage payment as escrow and principal so the mortgage company sent the check LATE for my insurance renewal and my insurance company canceled my policy for none payments. 
After XXXX months later the mortgage company are forcing me to have a gaping Insurance which is expensive for last XXXX months in 2024 which is NOT my fault since I make my mortgage payments on time. 
So I think its mortgage company fault for sending late payment to insurance company and now they raised my mortgage payment for extra {$250.00} a month and now I have TWO insurance policies on my mortgage policy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kikoff Inc.
State: IN

Complaint narrative:
I was never contacted or atttmpt of contact from the company kickoff. This was deleted last month. Even while knowing I was refused the rights from FRCA by not proving me any information. That I requested. Its plain as day on my disputes. I also was never notified of this account until reported negatively to my credit. This has been over 90 days. It was deleted last month and is back on my credit. I believe kick off is taking this persons. Im requesting they delete immediately from all three agencies. Nothing has changed from last month when it was removed except ignoring my required information for even longer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation