vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law..

Inaccurate Address : 1 XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX **** Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$540.00} XXXX XXXXXXXX XXXX Balance Owed : {$1800.00}

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 2025-04-12 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I called Chase Bank as i was forced to make a transaction using their card against XXXX. I have contacted chase so many times for this issue and explained exactly everything how i was forced by the airport service people to pay for extra luggage as they threatened me to not give me boarding pass unless i pay for excessive weight for my checked in luggage where my weight was very well under the limit. Chase simple said we asked XXXX and they said the transaction is valid so we can not do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 List of Unauthorized Inquiries : 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: VA

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report, I suspected identity theft and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential identity theft tied to the Equitax breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX. ) Account Name : XXXX XXXX XXXX XXXX Account Balance : XXXX Date XXXX XXXX. ) XXXX XXXX XXXX Account Balance : {$790.00} Date XXXX XXXX. ) XXXX XXXX Account Balance : XXXX Date XXXX INCORRECT ADDRESSES LISTED : XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX UNAUTHORIZED INQUIRIES LISTED : XXXX. ) XXXX  XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX  XXXX. ) XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX INCORRECT NAMES LISTED : XXXX. ) XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: CA

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report, I suspected identity theft and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential identity theft tied to the Equitax breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX. ) Account Name : XXXX XXXX XXXX XXXX Account Balance : XXXX Date XXXX XXXX. ) XXXX XXXX XXXX Account Balance : {$790.00} Date XXXX XXXX. ) XXXX XXXX Account Balance : XXXX Date XXXX INCORRECT ADDRESSES LISTED : XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX UNAUTHORIZED INQUIRIES LISTED : XXXX. ) XXXX  XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX  XXXX. ) XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX INCORRECT NAMES LISTED : 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 2025-04-12 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: FL

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 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: FL

Complaint narrative:
It is imperative that this items be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the items that require correction : XXXXXXXX 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

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 2025-04-12 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: GA

Complaint narrative:
I am sending to formally address and dispute the following items currently reported on my credit file. These items may contain inaccuracies or require validation under applicable consumer protection laws : XXXX ( Acct : XXXX ) Reported Balance : {$7100.00} XXXX ( Acct : XXXX ) Reported Balance : {$3400.00XXXX XXXX ( Acct : XXXX ) Reported Balance : {$1100.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXL XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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 sending to formally address and dispute the following items currently reported on my credit file. These items may contain inaccuracies or require validation under applicable consumer protection laws : XXXX ( Acct : XXXX ) Reported Balance : {$7100.00} XXXX ( Acct : XXXX ) Reported Balance : {$3400.00XXXX XXXX ( Acct : XXXX ) Reported Balance : {$1100.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXL 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 non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My credit reports show several hard inquiries that I did not authorize : XXXX / XXXX XXXX  / XXXX  on XX/XX/XXXX ( on all XXXX bureaus ) XXXX on XX/XX/XXXX ( XXXX only ) I did not apply for credit with any of these entities and did not give written or verbal consent for these credit pulls. I am concerned they may be unauthorized or possibly tied to identity theft, as I was a confirmed victim of the XXXX data breach in XXXX. 

Under FCRA 604, any credit inquiry must have a permissible purpose. These do not. I request that these inquiries be investigated and removed from my credit report. I have attached documentation from my reports highlighting the dates and sources of these inquiries.

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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit reports show several hard inquiries that I did not authorize : XXXX / XXXX XXXX  / XXXX  on XX/XX/XXXX ( on all XXXX bureaus ) XXXX on XX/XX/XXXX ( XXXX only ) I did not apply for credit with any of these entities and did not give written or verbal consent for these credit pulls. I am concerned they may be unauthorized or possibly tied to identity theft, as I was a confirmed victim of the XXXX data breach in XXXX. 

Under FCRA 604, any credit inquiry must have a permissible purpose. These do not. I request that these inquiries be investigated and removed from my credit report. I have attached documentation from my reports highlighting the dates and sources of these inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: VA

Complaint narrative:
I am disputing the duplicate reporting of a single debt across two different tradelines. My credit reports show : A charged-off account from XXXX A XXXX account from XXXX XXXX XXXX for the same debt This debt is being reported twice, inflating the severity of my credit history. XXXX XXXX purchased this debt and is actively collecting it, while XXXX still shows a charge-off with a {$0.00} balance. This creates a misleading picture and violates the FCRAs requirement for maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ).

I request the removal of the duplicate tradeline or written verification from the furnishers that proves both entries are valid. If the debt is valid, it should only appear once. 

I have uploaded a full PDF containing both my dispute explanation and supporting documentation.

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 2025-04-12 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It is imperative that this items be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the items that require correction : XXXX XXXX Balance Owed : {$9100.00} XXXX XXXX Balance Owed : {XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-04-12 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: GA

Complaint narrative:
I checked my credit report and found ( 2 ) credit inquires I do not recognize and have no credit accounts with either company. 
Contacted institution and they had no record of it so I contacted the reporting agency and they needed a FTC Report or Police Report, Copy of my ID, Social Security Card, and utilities bill or bank statement with current address.

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 2025-04-12 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: FL

Complaint narrative:
It is imperative that this items be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the items that require correction : XXXX XXXXXXXX Balance Owed : {$9100.00} XXXX XXXXXXXX Balance Owed : {$950.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: WA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  WA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX VA XXXX ( RE : Account # ( XXXX ) To Whom It May Concern, This letter is regarding the above-mentioned account which you are reporting late payment ( s ) 150 days past due as of XX/XX/XXXX on XX/XX/XXXX. This is a formal notice that your claim is disputed. 
I am requesting that you provide me with a copy of any viable evidence showing the account is being reported accurately. I am now requesting the method of verification procedure you used to determine the accuracy and completeness of the information you are furnishing on my credit report. I am also requesting validation, made pursuant to the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence showing that my payment ( s ) were late on the above-mentioned dates. Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from your company or any company that you represent, for failing to correct inaccurate negative information, is a violation of the FCRA ; therefore if you can not validate the late payment ( s ), you must request that all credit reporting agencies delete the late payment entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. Attached is copy of my credit report. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Last 4 of SSN : XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation