vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 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: NE

Complaint narrative:
PLEASE REVIEW THE STATEMENT I MENTIONED REGARDING MY PERSONAL INFORMATION BEING EXPOSED BY THE DATA BREACH AND THE INFORMATION REGARDING FRAUDULENT ACTIVITIES ON MY CREDIT REPORT. HERE ARE THE INQUIRIES XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE READ THE FORM TO DETERMINE THE FRAUD ACCOUNT AND COLLECTIONS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: DE

Complaint narrative:
I am filing this complaint against TransUnion due to their failure to properly investigate, verify, and provide documentation for multiple accounts that I have disputed multiple times. TransUnion has violated my rights under the Fair Credit Reporting Act ( FCRA ) Sections 609, 611, and 623 by verifying accounts without providing legally required documentation.

These accounts contain unverifiable, inaccurate, and improperly reported information that is damaging my financial stability and overall quality of life. TransUnions reckless reporting practices are actively ruining my ability to secure financial opportunities, obtain loans, and move forward in life. 

I am demanding immediate removal of these accounts, as they can not be legally verified under federal law. Below is a breakdown of each account that TransUnion has wrongfully verified, along with the specific issues and my requested resolution.Account Number : XXXX Balance Reported : {$2400.00} High Credit : {$3300.00} Credit Limit : {$2500.00} Status : Charged-Off / Transferred TransUnion has wrongfully verified this charged-off and transferred credit card without proof of the transfer or verification of debt. Under FCRA Sections 609 and 623, I requested : Proof of the original signed agreement. 
A detailed transaction history of the balance before charge-off. 
Proof that the new creditor legally owns the account. 

TransUnion has not provided this verification but still reported the account as accurate. This is a direct violation of my rights under FCRA.

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 2025-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank denied my fraud claim to have a fraudulent purchase removed. There is no Merchant that can be contacted, nor was there a " Series of Purchases '' made to such a " Merchant ''. This case was a matter of illegal computer activity perpetrated by a scammer pretending to be the IL XXXX XXXX XXXX XXXX complete with an illegal website made to look like the State of XXXX XXXX XXXX XXXX The scammer alleged I owed {$6.00} in unpaid tolls. Instead, the scammer used the credit card number without authorization to illegally transfer funds using some credit advance Company. I was not charged the XXXX $ fee payment they alleged I owed, but rather a whole separate unauthorized and illegal transaction for {$380.00} plus a {$19.00} cash advance fee charged by Citibank to someone in XXXX, FL. I am corresponding again with Citibank in regard to the fraud complaint to card XXXX. Disagreeing with their decision to drop the case, I wish to proceed with escalation and arbitrate the matter. A police report has also been filed : Case # XXXX XXXX XXXX IL ( XXXX IL ), issuing XXXX XXXX. Again this is regarding the XXXX $ unauthorized third-party scam made to my card ending in XXXX and the {$19.00} fee. In summary, a cyber scammer used my card number to make some kind of {$380.00} purchase with an actual merchant re : XXXX XXXX FL made on XX/XX/XXXX. Believing I was making a one-time {$6.00} payment for unpaid tolls, I was directed to a site made out to be the XXXX XXXX XXXXXXXX XXXX, but was a site created fraudulently by someone who then used said card to initiate a separate, unauthorized withdrawal of XXXX $ from some actual merchant with no prior affiliation to me. The matter has been filed with the XXXX XXXX XXXX  and I am in the process of filing with the Federal Trade Commission.

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 2025-03-07 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: TX

Complaint narrative:
Upon reviewing my report, I noticed the following inquiries that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), hard inquiries require my explicit authorization. I did not apply for credit or grant permission for these entities to access my credit file. As such, these inquiries are unauthorized and must be removed immediately. 

Please investigate this matter and remove these inquiries from my credit report. If these companies claim I provided authorization, I request a copy of the signed authorization for my records.

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 2025-03-07 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: CA

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the one submitting this complaint and there is no third party involved.. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
The inaccuracies on my report are causing damage to my scores and limiting my financial opportunities. Its frustrating to know that Im being held back by errors that should not be there.

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 2025-03-07 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: SC

Complaint narrative:
I am reaching out to dispute inaccuracies in my credit report that are negatively impacting my financial standing. After carefully reviewing my file, I discovered accounts that do not belong to me. Under the Fair Credit Reporting Act ( FCRA ), I have the right to challenge any information that is inaccurate, unverifiable, or outdated, and I take this matter seriously. 
All data reported by consumer agencies must be accurate, fully documented, and compliant with federal and state regulations before being shared with creditors. The derogatory claims on my report do not meet legal reporting standards and should be validated with proper evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: DE

Complaint narrative:
I am filing this complaint against TransUnion due to their failure to properly investigate, verify, and provide documentation for multiple accounts that I have disputed multiple times. TransUnion has violated my rights under the Fair Credit Reporting Act ( FCRA ) Sections 609, 611, and 623 by verifying accounts without providing legally required documentation. 

These accounts contain unverifiable, inaccurate, and improperly reported information that is damaging my financial stability and overall quality of life. TransUnions reckless reporting practices are actively ruining my ability to secure financial opportunities, obtain loans, and move forward in life.

I am demanding immediate removal of these accounts, as they can not be legally verified under federal law. Below is a breakdown of each account that TransUnion has wrongfully verified, along with the specific issues and my requested resolution.Account Number : XXXX Balance Reported : {$480.00} High Credit : {$480.00} Credit Limit : {$300.00} Status : Charged-Off This charged-off credit card account has been verified without any proof that I owe this debt or that Ally legally charged it off. Under FCRA Section 609, I requested : A copy of my signed agreement with Ally. 
A full balance history showing transactions and payments. 
Proof that XXXX  properly charged off the debt and is reporting it legally. 

TransUnion failed to provide any of this information but still verified the 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 2025-03-06 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: IN

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-03-06 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: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: IN

Complaint narrative:
the company checked my credit report resulting in an inquiry on my credit report. i never requested any type of loan or any business from the company

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 2025-03-06 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: IN

Complaint narrative:
the company checked my credit report resulting in an inquiry on my credit report. i never requested any type of loan or any business from the company

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 2025-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: PA

Complaint narrative:
The debt of {$350.00} owed to XXXX is not my debt. I never signed up for that account, this is a case of mistaken identity

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 2025-03-06 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: MOHELA
State: NV

Complaint narrative:
This is what I wrote to the company and they responded with saying there has been no personal information that was compromised. 

I am writing to formally dispute my federal student loan obligations due to a significant breach of my personal and financial information. My private dat/ was compromised without my authorization, violating multiple federal laws designed to protect student records and personal privacy. Under the following legal protections, my information should have been safeguarded : Family Educational Rights and Privacy Act ( FERPA ) : Ensures the confidentiality of student records and prohibits the unauthorized disclosure of personal information.

Higher Education Act ( HEA ) : Establishes the responsibility of educational institutions and loan servicers to protect student data.

Privacy Act of 1974 : Prohibits the unauthorized sharing of personel information held by federal agencies.

Breach of Contract : The unauthorized sharing of student loans borrowers ' personal and financial information with third parties, including XXXX XXXX, constitutes a violation of the contractual obligations to protect borrower data. 



Given the severity of this data breach and the failure to uphold federal protections, I formally request the immediate discharge and cancellation of my student loan debt in full. Please provide written confirmation of receipt of this dispute, as well as information regarding the next steps in the resolution process. 



I appreciate your prompt attention to this matter and look forward to you response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: DE

Complaint narrative:
On XX/XX/year> did a credit check on my credit leaving my credit report with hard inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SN SERVICING CORPORATION
State: WA

Complaint narrative:
I got out of bankruptcy and this bank got my home loan - SN servicing - from the start they stated I owed a balance so I had to pay a higher amount for about 8 months ( I have the paperwork ) but for some reason the amount kept changing g and I was doing anything I can to keep my house. I can provide XXXX records showing my XXXX health was not good and I was u see duress when I signed their papers as I was still thinking my payment would go back to {$1700.00} as before.finally last month I was I formed {$2600.00} is my permanent payment & they are u willing to lessen it. On paper they said I can afford it but I CANT AFFORD IT!!! I been trying desperately but with them raising my payments so high Im unable to pay all my utilities & monthly living expenses. I do t think its fair as I have owned this house for 20 years now and I have never paid this much before. My payments were {$1700.00} and there no reason they should raise my payment t by {$1000.00} per month. They are completely unwilling to help the only time they want to help is when they claim they are helping you as they try getting more money. This company already has lawsuits & they knew my XXXX health wasnt well so they took advantage of me by using my fear, XXXX XXXX XXXXXXXX against me and that is not ok. My XXXX health is at an extreme low and this company has lead me down one dark path!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: IN

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-03-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I've made a few payments several weeks ago but the company refunded those charges but they haven't gave back my money. I'm missing that cash and it was XXXX dollars in total. I haven't had the chance to see XXXX cent back into my checking account and the refund was under " return moble ACH payment '', I had enough money that pay that back but they refunded it for no reason, it was capital one

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion is breaking the laws, XXXX is reporting inaccurately. The payment history is wrong, This account was forgiven with a XXXX. The date of open is the wrong year. This account is reporting inaccurately. 
Theres a bankruptcy reporting that isnt reporting accurately. No other credit reporting agency is reporting me as having a bankruptcy, so how are you verifying this? 
XXXX {$2400.00} XXXX {$4900.00} XXXX {$11000.00} The XXXX all are reporting inaccurately. 
The payment histories are all incomplete. The credit bureau must report complete and accurate information according to the FCRA law. I have a right to sue this bureau for fraudulent reporting. 
The payment histories are incomplete and they are inaccurate. No one can legally have a charge off every month.

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