vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, I'm reaching out for two different reasons. The first being to ask for a paper copy of my credit report. I do currently have access to it on sites like XXXX XXXX, but i still want to pull an actual copy of it though to make sure everything is fine with it ( incase something isn't shown on credit karmas side ) and i want to dispute a recent hard inquiry i received on my credit report. Here 's why i want to dispute it, and why I'm legally allowed to remove it. I applied to XXXX XXXX savor credit card back in assuming i would receive it because XXXX XXXXXXXX said i was prequalified for the card via the pre qualify test thing on the credit cards page, and they even said in their terms that i could mention someone else 's income if they are paying for my bills so i applied for the card and received a hard inquiry for it, but then after that i was told that i needed to show physical proof of my personal income ( paychecks, etc ) or a notarized letter showing proof of someone else paying my bills, and that's the issue. Ignoring the smaller issues like how they want me to pay for notarizing the letter, etc, there's still the obvious facts that they failed to mention any of that unit after i received the hard inquiry, which is obviously highly illegal ( its literally fraud, aka false advisement ) because they failed to mention it during the prequalification test ( and even said i could continue without income, and that there wasn't anything else i needed to show on the final message of the prequalification test as well, proof shown below ), but literally flat out said otherwise during the application process as well, yet refused to uphold their word after applying. I sent a complaint into back in XXXX, and they finally replied back, just to tell me that they refuse to help me, They want me to reach out to the credit agency 's instead.

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furniture but the late payment remain without with out proper validation or documentation. under 15 USC 1881 s XXXX XXXX XXXX must report accurate information under 15 USC 1881 I the credit bureaus must perform a reasonable investigation within 30 days. neither of them have provided sufficient evidence to support the negative 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 2025-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I did not open this credit card acct with Capital One ending in XXXX. I showed up to court with the individual who admitted to opening this credit card without my knowledge. I do not reside in the state of XXXX. I am currently a college student at XXXX XXXX  in XXXX XXXX, XXXX  and prior to this I attended XXXX  XXXX XXXX  in XXXX, XXXX. I have attached the lease agreements to the individual who opened the file and my lease agreements along with a bank statements of the individual who was making the monthly payments on the file your are stating. I owe. This is Identity fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : 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 you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$130.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US 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 explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

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 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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
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 credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
AXXXX 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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing you about the compromising of my social security number due to the XXXX Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The information listed below, which appears on my credit report, does not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft. 
XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX Account Number : ******** XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Identity Theft XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX XXXX. Identity Theft XXXX XXXX XXXX  Account 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 2025-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: AR

Complaint narrative:
this is about Navy Federal credit Union. From XXXX XXXX XX/XX/year> my checking acct. appears to be overdraft well over my over draft limit. months and years before and months after these dates, the account seems to follow normal procedure. So to say i can clearly see that if i had XXXX dollars in the bank and spent XXXX dollar my account would reflect said transaction and show that XXXX dollar had been spent leaving XXXX dollars in the account. during the mentioned time frame this was not the case, there would be deposits of upward of XXXX dollars and the next line in the statement would show that i spent XXXX dollars ( valid transaction ) but it would leave my acct some time a few hundred dollars to the negative, this patterns repeat through out the time frame mentioned above. there are a few of a similar nature after XXXX however XXXX to XXXX is the most visible for this issue. upon speaking to Navy Fed, i was informed that its ok because everything " washed out '' and not to worry this was all normal procedure. At this point i had a XXXX hour conversation about the policies of their XXXX program, All of which sounded very much the same as the policies the CFPB has already handed down an order against Navy Fed for their illegal practices surrounding over draft fees and their manipulation of deposits and transactions to ensure their members would always land in over draft by surprise. This is a known issue with Navy federal credit union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax has a documented history of failing to properly investigate consumer disputes, leading to legal action for FCRA violations. This pattern of noncompliance is unacceptable, and I refuse to allow my financial profile to suffer due to Equifaxs negligence. 

Federal law ( 15 U.S.C. 1681i ) requires Equifax to conduct a legitimate reinvestigation of all disputed information within 30 days. If any item can not be 100 % verified with legitimate, original documentation, it must be deleted. These reporting errors are actively damaging my financial standing, and I demand immediate corrective action. Any failure to comply will be met with further escalation. 

XXXXXXXX XXXX XXXX XXXXXXXX - {$17000.00} XXXXXXXX XXXX - XXXX - {$6600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: IL

Complaint narrative:
My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These false records are unfairly lowering my credit score and creating unnecessary financial roadblocks. I have always upheld my financial responsibilities, yet these errors persist. 

Under the FCRA, all reported information must be accurate and verifiable. If these remarks can not be substantiated with original, signed documentation, they must be removed at once. I expect immediate corrective actionany further delay will be considered deliberate noncompliance. 

XXXXXXXX XXXX - Account # : 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 2025-04-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, I'm reaching out for two different reasons. The first being to ask for a paper copy of my credit report. I do currently have access to it on sites like XXXX XXXX, but i still want to pull an actual copy of it though to make sure everything is fine with it ( incase something isn't shown on credit karmas side ) and i want to dispute a recent hard inquiry i received on my credit report. Here 's why i want to dispute it, and why I'm legally allowed to remove it. I applied to XXXX XXXX  savor credit card back in assuming i would receive it because XXXX XXXXXXXX said i was prequalified for the card via the pre qualify test thing on the credit cards page, and they even said in their terms that i could mention someone else 's income if they are paying for my bills so i applied for the card and received a hard inquiry for it, but then after that i was told that i needed to show physical proof of my personal income ( paychecks, etc ) or a notarized letter showing proof of someone else paying my bills, and that's the issue. Ignoring the smaller issues like how they want me to pay for notarizing the letter, etc, there's still the obvious facts that they failed to mention any of that unit after i received the hard inquiry, which is obviously highly illegal ( its literally fraud, aka false advisement ) because they failed to mention it during the prequalification test ( and even said i could continue without income, and that there wasn't anything else i needed to show on the final message of the prequalification test as well, proof shown below ), but literally flat out said otherwise during the application process as well, yet refused to uphold their word after applying. I sent a complaint into back in XXXX, and they finally replied back, just to tell me that they refuse to help me, They want me to reach out to the credit agency 's instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: Atlanticus Services Corporation
State: TX

Complaint narrative:
Hello, I was sold on a XXXX security system by a door-to-door interaction. What is not in my XXXX contract is that a new credit card was opened in my name without my permission with XXXXXXXX  . XXXX  is the card name. This was mentioned nowhere in the XXXX contract I signed. I shortly began receiving standard Welcome correspondence from XXXX, and a physical card. XXXX had immediately charged {$4400.00} to this XXXX  card with a {$5000.00} credit limit. Also a condition that the card could only be used to purchase XXXX equipment. 
I never spoke to anyone, or signed anything about the XXXX  credit card. My Excellent credit rating took a nosedive because of the XXXX percent utilization rate on the card. My normal credit card usage is between 3 % and 6 %. 
Because there is a XXXX contract clause giving a 60-day cancellation for people over 65, I began trying to go through XXXX to cancel the contract. I have never received an email address to respond to, but was assured by a Do-Not-Reply email that my contract has been cancelled. In the meantime, I have received my second statement from XXXX  asking for another payment ( due XX/XX/year> ). 
I was assured by XXXX that my credit issue would be returned to normal. I seen no action on the XXXX  credit card end. I actually made the first payment to keep a late payment from showing on my credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-07 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 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 2025-04-07 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: IN

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.

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