vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 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: FL

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 
I request the immediate removal of the following inaccurate, incomplete, or outdated information on my credit report : Disputed Accounts : XXXX - XXXX  XXXX - XX/XX/XXXX - {$1800.00} XXXX - XXXX  - XX/XX/XXXX - {$0.00} XXXX - XXXX  - XX/XX/XXXX XXXX {$450.00} XXXX - XXXX - XX/XX/XXXX - {$690.00} XXXX - XXXX XXXX XXXX  - XX/XX/XXXX - {$6800.00} XXXX - Unknown - XX/XX/XXXX - {$2500.00} Hard Inquiries to Be Removed I request the removal of the following hard inquiries unless verifiable, signed proof of my authorization can be provided : XXXX Hard Inquiries : XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX Personal Information : I also request the removal of all incorrect addresses and Names associated with my credit report. 
Please update my credit report to reflect the correct and current address : Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, AL, XXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, AL, XXXXXXXX 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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: NJ

Complaint narrative:
This is another dispute XXXX filing because TransUnion refuses to correct a clearly inaccurate accountXXXX XXXX ( XXXX ). Ive already disputed this multiple times, and XXXX filing again because I want it fixed. Ive given TransUnion more than enough time to correct the reporting, but they continue to ignore the facts. They are reporting a late payment in XX/XX/year>, while also listing the account as PAID OR PAYING AS AGREED. That makes absolutely no senseboth statements contradict each other. Either the payment was late, or the account is paid as agreed. It cant be both. Even worse, neither XXXX nor XXXX are showing any late paymentonly TransUnion. That alone should have triggered a proper review, but TransUnion still hasnt fixed it. Every time I submit a dispute, they respond with something irrelevant, like denying a fraud block I never even asked for. This shows theyre not taking my dispute seriously or even reading it properly. This isnt just lazyits a violation of the Fair Credit Reporting Act. TransUnion is failing to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ), and theyre not correcting or deleting unverifiable information under 1681i ( 5 ). Ive followed every step, sent all the supporting documents, and made this mistake obvious. TransUnion has no excuse at this point. I need this late mark removed and the record corrected immediately

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 2025-04-10 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: NJ

Complaint narrative:
This is my third dispute this month regarding the same unauthorized accountXXXX XXXX  ( XXXX ) that continues to appear on my TransUnion credit report. XXXX filing again because I want them to delete it already. Ive given TransUnion more than enough time to fix this, and Ive followed all the proper steps. Ive submitted mailed disputes, documentation, and explained clearly why this account should not be reported in my credit file. Still, they keep verifying it without any actual investigation or proof. XXXX beyond frustrated and need this resolved immediately. Whats suspicious is that neither XXXX nor XXXX reports this accountonly TransUnion. That alone raises a red flag about its accuracy, but TransUnion continues to ignore the inconsistencies and my formal disputes. This is already a case of identity theft, as defined by the FTC. I never authorized this account and never gave consent for it to be reported. TransUnion also denied a fraud block I never even requested, which shows they didnt even take the time to review my dispute seriously. They keep sending the same form response claiming the account is verified, but provide no actual evidence or details. TransUnion is in violation of the FCRA by failing to ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) and reporting this account without a permissible purpose ( 15 U.S.C. 1681b ). This inaccurate reporting is harming my credit and my peace of mind. I am demanding immediate deletion of this account and for TransUnion to be held accountable for their negligence and continued noncompliance.

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 2025-04-10 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: CA

Complaint narrative:
The information reported on my credit report is not in line with the guidelines set by the Fair Credit Reporting Act ( FCRA ), and it does not reflect the maximum possible accuracy. This discrepancy is in violation of the standards that should govern my credit report, and its unfairly impacting my credit standing.

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 2025-04-10 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: IL

Complaint narrative:
I am writing to formally dispute one or more unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. 

According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report. Since I did not authorize this inquiry, I respectfully request that you :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: NV

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-04-10 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 XXXXhe information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00}

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 2025-04-10 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: AL

Complaint narrative:
I never gave this company permission to access or pull my credit report. I did not apply for anything with them, I didnt authorize a credit check, and I have no prior relationship with this business whatsoever. This was done without my knowledge or consent, which makes it an unauthorized and completely unacceptable inquiry. My personal credit information is not free for the taking, and I take unauthorized access to it very seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NEW YORK COMMUNITY BANCORP INC
State: IN

Complaint narrative:
I used a XXXX XXXX all to withdraw XXXX dollars I only received XXXX. I called the bank and they said I had to dispute it with my bank because I do not bank with them. My bank is XXXX I called XXXX  they said I had to wait XXXX business days for it to settle then dispute it. I did that now they have denied my claim and now I have to wait for them to send me the report to open it back up which they said would take 7/10 business days. I need to dispute it through flag start too because they took XXXX dollars from me and Im not just going to let them steal my money.

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 2025-04-10 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: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XXXX Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further 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 non-monetary relief
Consumer complaint received 2025-04-10 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: AL

Complaint narrative:
I never gave this company permission to access or pull my credit report. I did not apply for anything with them, I didnt authorize a credit check, and I have no prior relationship with this business whatsoever. This was done without my knowledge or consent, which makes it an unauthorized and completely unacceptable inquiry. My personal credit information is not free for the taking, and I take unauthorized access to it very seriously.

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian is stalling to properly investigate my dispute to my knowledge I'm very much aware credit agencies sometimes employ tactics that appear like stalling, such as repeatedly requesting documents after you've already disputed an item, and sent documents to delay or avoid resolving the issue, potentially by making the process unnecessarily lengthy or complicated. I've sent my documents along with my dispute XX/XX/XXXX it states you'll received it XXXX XXXX. I should not have to keeo sending over my personal information after it's been sent certified mail I will send my receipt for evidence with this complaint. as of tofay XX/XX/XXXX Experian is requesting the same exact docs I've sent such as Government issued ID, social security card. Experian has been sued by CFPB due to not investigating disputes properly, may I add this tactic method should raise a reason for another sue it's unfair to consumers. I'll also attach the letter Experian has sent via email. 

Experian has violated My rights as a consumer also thr FCRA wnd FDCPA Furnishing my report " XXXX XXXX '' This is an alleged debt These credit agencies did NOT Notify me before placing it onto my report, I did not give consent of no kind. according to 18 US code 894 ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years. 
according to the FCRA this is a violation of my consumer rights. It's also ILLEGAL for a debt collector to buy any debt and come after consumers without the consimer written consent, as per XXXX XXXX code XXXX TO CONSPIRE to colect a debt can lead to jailtime, and or fees. As per 15usc 1611 Experian is criminally obligated. What methods did you'll take to comfirm this is my debt to put this account on my credit report? I need a validation of debt with my signature, if it can't be given this needs to be removed from my credit report imemdiately.

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 2025-04-10 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: 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 non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
I was scammed from a hacker who stole my sister 's XXXX account. At first I thought it was my sister because she texted me and was telling me about a money investment I kinda had a feeling it was too good to be true but I thought hey it's my sister so why not try. The individual told me they were a ligit business and that me investing 509 I would receive money back. I went to my chime and sent the money to my cashapp and and then proceeded to send the money to the individual. I let both agencies know and made reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: IL

Complaint narrative:
I kindly ask that you block and remove the unauthorized accounts from my credit file without delay. I have no knowledge of these accounts, nor did I authorize them. Under the provisions of USC 1681g, Im requesting that these be deleted within 15 days. Enclosed are the necessary documents for your review. Please note that the reported information varies between bureaus and appears to be inaccurate.

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