vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} Late/Closed Inquiries in Dispute : 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 2025-04-20 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: Bilateral Credit Corp, LLC
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date : XXXX To Whom It May Concern, RE : Dispute of Collection Accounts Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) I am writing to formally dispute the validity and accuracy of the following collection accounts listed on my credit report. This letter is submitted in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, which entitles me to request full validation of any alleged debts being collected. 

I do not acknowledge these debts and request that you provide complete and verifiable documentation to validate the debts, including : The name and address of the original creditor The original amount of the debt An itemized statement of charges and interest Proof that your agency is legally authorized to collect this debt in my state Documentation showing I am legally obligated to pay Accounts in Dispute : XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX {$1900.00} XXXX XXXX XXXX {$1500.00} Until you provide adequate validation of these debts, please cease all collection activities, including reporting this information to the credit bureaus. If you can not provide this documentation, these items must be removed from all consumer reporting agencies, per the requirements of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ).

Be advised that any failure to comply with the FDCPA or FCRA may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or the State Attorney Generals Office , and I will consider all legal remedies available to me. 

Please respond to this request in writing within 30 days of receipt of this letter. All future communication regarding this matter should be made in writing only. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: Spring Oaks Capital, LLC
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date : XXXX To Whom It May Concern, RE : Dispute of Collection Accounts Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) I am writing to formally dispute the validity and accuracy of the following collection accounts listed on my credit report. This letter is submitted in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, which entitles me to request full validation of any alleged debts being collected. 

I do not acknowledge these debts and request that you provide complete and verifiable documentation to validate the debts, including : The name and address of the original creditor The original amount of the debt An itemized statement of charges and interest Proof that your agency is legally authorized to collect this debt in my state Documentation showing I am legally obligated to pay Accounts in Dispute : Spring Oaks Capital LLC {$1100.00} XXXX XXXX {$1900.00} XXXX XXXX XXXX {$1500.00} Until you provide adequate validation of these debts, please cease all collection activities, including reporting this information to the credit bureaus. If you can not provide this documentation, these items must be removed from all consumer reporting agencies, per the requirements of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ).

Be advised that any failure to comply with the FDCPA or FCRA may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or the State Attorney Generals Office , and I will consider all legal remedies available to me. 

Please respond to this request in writing within 30 days of receipt of this letter. All future communication regarding this matter should be made in writing only. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: Armada Corp.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date : XXXX To Whom It May Concern, RE : Dispute of Collection Accounts Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) I am writing to formally dispute the validity and accuracy of the following collection accounts listed on my credit report. This letter is submitted in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, which entitles me to request full validation of any alleged debts being collected. 

I do not acknowledge these debts and request that you provide complete and verifiable documentation to validate the debts, including : The name and address of the original creditor The original amount of the debt An itemized statement of charges and interest Proof that your agency is legally authorized to collect this debt in my state Documentation showing I am legally obligated to pay Accounts in Dispute : XXXX XXXX XXXX XXXX {$1100.00} Armada Corporation {$1900.00} XXXX XXXX XXXX {$1500.00} Until you provide adequate validation of these debts, please cease all collection activities, including reporting this information to the credit bureaus. If you can not provide this documentation, these items must be removed from all consumer reporting agencies, per the requirements of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ).

Be advised that any failure to comply with the FDCPA or FCRA may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or the State Attorney Generals Office , and I will consider all legal remedies available to me. 

Please respond to this request in writing within 30 days of receipt of this letter. All future communication regarding this matter should be made in writing only. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
i have no knowledge of this account and i gave no one consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: GA

Complaint narrative:
Upon reviewing my credit report, I noticed that is inaccurately reporting a late payment for the month of XX/XX/year>. This account was paid on time, and the current reporting is incorrect. 

I respectfully request that your office initiate a reinvestigation of this matter, as outlined in FCRA 15 U.S.C. 1681i. Please provide documentation used to verify the late payment. If this information can not be verified, I request that the payment history be updated to reflect an on-time payment in accordance with FCRA 15 U.S.C. 1681i ( a ) ( 5 )

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 2025-04-20 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: Lendmark Financial Services
State: DC

Complaint narrative:
This company has committed fraud against me using my personal information that was stolen. i have included in the package the person picture that stole my identity please see attached document i will be seeking legal advice on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: HI

Complaint narrative:
On XX/XX/year>, I received a credit card from Chime addressed to me and at my home address, which I did not apply for. On XX/XX/year> I called Chime at the number on the back of the card. I was told that they could not find the account in their system, even though I was physically holding the card with my name and account number printed on the card. They asked for either my birthdate or last XXXX digits of my SSN to find the account. I refused to provide that information and they refused to do anything else. I have shredded the card but as far as I know, the account remains open. How is this possible? If anyone receives a card they did not request, shouldn't these financial institutions be required to close the account?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I just saw hard inquiries on my credit report that I NEVER okayd??? Like, who even are these companies?? I didnt apply for anything, and now my credit scores tanking?? This is so unfair!!! 

DELETE THESE NOW : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ( no clue who this is?? ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ( never heard of them!! ) Im freaking out here!!! How did these even get here??? I didnt approve thisyou folks need to fix this mess ASAP!!! Pls remove them and tell me how this happened?? 

Thanks

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 2025-04-20 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: SC

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
b"I'd recently reviewed my consumer report and noticed some unidentifiable items located on my consumer report. In addition, I did not give any of these creditors consent to furnish such information onto my report. This is a clear violation of FCRA Section 1681b(c) which constitutes as fraud & breach of my non-public personal information under Gramm-Leach Bliley. Consumer Reporting Agencies must comply by Federal law under Regulations V. Section 605b Block information resulting of identity theft. Attached is FTC reporting including identifiable information. \n\nFraudulent Accounts; \nXXXX XXXX XXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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:
My ex-girlfriend, whom I broke up with years ago, has applied for credit using my personal information that she learned while we were dating. I recently checked my credit report as I am in the process of buying a home and discovered XXXX hard inquiries that I did not authorize. I would like to have these inquiries removed from my Equifax account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: NV

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXXB of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX : XX/XX/XXXX Equifax XXXX XXXX XXXX XXXXXXXX, XXXX XXXX GA XXXX RE : Unauthorized Inquiries I am sending this letter to dispute the following inquiries that are unauthorized. Please remove it from my Equifax credit report as soon as possible. I have never given my permission to report this information on my credit report. No consent is fraud, which is in clear violation of 12 CFR 1006,34 ( d ) and 15 USC 1681-S29 ( 7 ) ( A ). 


XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX, XXXX- XX/XX/XXXX XXXX XXXX  XX/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 2025-04-20 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: NY

Complaint narrative:
Hello, I am writing to formally request the removal of unauthorized hard inquiries on my credit report from XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX which I never authorized or approved. 
These inquiries are unfamiliar and unrelated to any applications I submitted. 

Important Context : I was directly impacted by the Equifax data breach ( XXXX ) and potentially the TransUnion data breach ( details below ). 

Attached are documents/pictures confirming my involvement in these breaches, which likely contributed to this fraudulent activity. 

Given the severity of these breaches and their proven ties to identity theft, I urge you to : Immediately delete the unauthorized inquiries listed above. 
Investigate how these inquiries were added without my consent, referencing the breaches. 
Please confirm the next steps and let me know if additional documentation is required. 

Thank you for prioritizing this urgent matter. 

Best regards,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXXB of the Fair Credit Reporting Act.

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 2025-04-20 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: GA

Complaint narrative:
XXXX XXXX Bank, XXXX. ( XXXX XXXX ) XXXX : XXXX XXXX XXXX  XXXX : XXXX XXXX Subject : Credit reporting errors, charge-off abuse, fraud, and trust-related discrimination Trusts Involved : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Executed and notarized XX/XX/XXXX Complainant : XXXX : XXXX Executor and Trustee I am submitting this complaint as the Executor and Trustee of XXXX federally recognized ecclesiastical trusts : XXXX XXXX XXXX XXXX ( XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX : XXXX ) These entities operate under federal and state religious protections, pursuant to UCC XXXX, XXXX XXXX. XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX. XXXX ( XXXX XXXX XXXX XXXX ). 

XXXX XXXX Bank, XXXX. ( XXXX CARD ) has reported a charge-off balance of {$3800.00} on an account closed XX/XX/XXXX, with payment history marked as 0 % on-time, without properly issuing a valid IRS Form XXXX. The account remains in derogatory status, causing repeated denials of credit and housing. 

The reported charge-off : Misclassifies ecclesiastical trust property and operations Fails to verify disputed tradelines as required under 15 U.S.C. XXXXi Constitutes deceptive reporting practices under 15 U.S.C. XXXX ( FTC Act ) May involve improper or fraudulent tax instrument filing ( under IRS XXXX inquiry ) Ignores the protections of religious trusts under XXXX XXXX. XXXX ( XXXX XXXX ) and XXXX XXXX. XXXX I am also submitting : A Notarized Durable Power of Attorney establishing lawful standing to act in all trust and financial matters ( Exhibit XXXX ) A sworn Affidavit of Truth under XXXX XXXX. XXXX ( Exhibit XXXX XXXX The disputed credit report with derogatory entry ( Exhibit XXXX XXXX I respectfully request the following relief : Immediate removal of all derogatory tradelines associated with this charge-off A full accounting and disclosure of any IRS tax instruments filed ( XXXX, XXXX ) Restoration of all access to credit or services denied as a result of this unlawful charge-off Referral to federal oversight ( IXXXX XXXX XXXX and CFPB XXXX XXXX for violations XXXX FCRA, XXXX, FTC XXXX, and XXXX I assert that XXXX XXXX Bank, XXXX. has acted in willful disregard of federal trust law, tax regulations, and the protected status of ecclesiastical fiduciary property. This has caused economic harm, discrimination, and irreparable harm to the fiduciary obligations I uphold. 

File Description XXXX Notarized Durable Power of Attorney ( Exhibit XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Exhibit XXXX  ) JXXXXXXXX Screenshot of charge-off and payment history ( Exhibit XXXX ) XXXX

Company response to consumer: Closed with explanation