vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX to Report Verified Positive Accounts I am submitting this complaint because multiple credit reporting agencies are failing to report accurate and complete information on my credit file specifically, they are omitting verified positive accounts that are in good standing and currently being reported by other bureaus. 
The following positive accounts are being reported to XXXX or XXXX bureaus, but are missing from others without justification : XXXX ( XXXX ) missing from Experian and TransUnion XXXX XXXX ( XXXX ) missing from Equifax and Experian XXXX XXXX ( XXXX ) missing from Equifax XXXX XXXX XXXX ) missing from Experian and TransUnion XXXXXXXX XXXX XXXX XXXX ) missing from Equifax and Experian XXXXXXXX XXXX ( XXXX ) missing from Equifax and TransUnion I have submitted disputes directly to the bureaus and provided supporting documentation showing that these accounts are valid and currently reporting positively to at least XXXX other bureau. Despite this, the accounts remain missing from the others. 

These omissions are negatively impacting my credit profile by not reflecting the full and accurate history of my creditworthiness. 

I am requesting that the Consumer Financial Protection Bureau investigate this issue and hold the credit reporting agencies accountable for failing to meet their obligations under the Fair Credit Reporting Act ( FCRA ) to ensure accurate and complete credit reporting. 

I am happy to provide supporting documentation and screenshots showing where each account is currently reporting, along with the account numbers and dispute letters I have already sent. 
Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXXXXXX XXXX Balance {$3300.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$3800.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Balance {$560.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$1300.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$5000.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$1500.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$630.00} Open Date XX/XX/XXXX inquiries XXXXXXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX Date XX/XX/XXXX 2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: TX

Complaint narrative:
I am filing a formal complaint against Experian for failing to correct an inaccurate XXXX XXXX account ( See Attachment ) on my credit report despite XXXX previous disputes thru the CFPB and Certified Letters directly sent to them XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The account is reported as charged off, yet it continues to show a past-due balance and is being marked as a new charge-off each month with an updated balance, which is both inaccurate and a violation of the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( B ).

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 2025-03-31 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: MS

Complaint narrative:
I have fraudulent hard inquires on my credit report XXXX. XXXX XXXX ( XX/XX/2025 ) XXXX. XXXX XXXX ( XX/XX/2025 ) XXXX. XXXX XXXX ( XX/XX/2025 ) XXXXXXXX XXXX XXXX XXXX C ( XX/XX/2025 ) XXXX. XXXX XXXX XXXX ( XX/XX/2025 ) XXXX. XXXX XXXX XXXX ( XX/XX/2025 ) XXXX. XXXX XXXX XXXX XXXX ( XX/XX/2025 ) XXXX. XXXX XXXXXXXX XXXX  ( XX/XX/2025 ) XXXX. XXXX XXXX XXXX XXXX ( XX/XX/2025

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 2025-03-31 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 DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-03-31 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-31 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-31 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: FL

Complaint narrative:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ) Sections 611 [ 15 U.S.C. 1681i ] and 623 [ 1681s-2 ( b ) ], regarding inaccurate and inconsistent information being reported for the following 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 explanation
Consumer complaint received 2025-03-31 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:
am filing an official complaint against TransUnion for their failure to properly investigate and remove a fraudulent credit card account opened in my name with XXXX XXXX XXXX XXXX, totaling {$790.00}. This account was not opened by me and is not my debt. 

I have already disputed this account with TransUnion, but despite my efforts, this fraudulent account has reappeared on my credit report. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies investigate disputes thoroughly and accurately. The continued presence of this account on my credit report is causing significant harm to my XXXX XXXX and financial standing. 

TransUnion has clearly failed to meet its obligations under FCRA Section XXXX, which requires that inaccurate information be corrected or deleted after a reasonable investigation. The fact that this fraudulent account continues to appear on my report is a clear failure on their part to comply with federal law.

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 2025-03-31 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: TX

Complaint narrative:
Im not aware of such inquiries, therefore this one appears to be illegal and a fraud. As soon as possible, please fix this problem. Thank 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 2025-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Starting in XX/XX/year> I had my identity stolen, including my social security number by a XXXX XXXX. He used my identity to obtain a few credit cards that were used and never paid, as well as placing his utilities under my name with XXXX XXXX. I am reporting to the Federal Trade Commission and the Consumer Financial Protection Bureau these crimes under my protective rights from the Fair and Accurate Credit Transaction Act. These accounts procured illegally must be deleted immediately as they have affected my great credit standing. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-31 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: SC

Complaint narrative:
I am formally filing a complaint regarding the inaccurate reporting of XXXX accounts and multiple hard inquiries on my credit report by the credit reporting bureaus. Despite my efforts to dispute these errors, they remain uncorrected, negatively impacting my credit profile. The inaccuracies specifically involve the following accounts : XXXX ) XXXX XXXX ( Credit Card, XXXX ), Opened XX/XX/XXXX. 

XXXX ) XXXXXXXX XXXX ( Credit Card, XXXX ), Opened XX/XX/XXXX. 

XXXX ) XXXX  XXXX XXXX ( Credit Card, XXXX, Joint with XXXX XXXX ), Opened XX/XX/XXXX. 

XXXX ) XXXX XXXX XXXX ( Debt Buyer, XXXX ), Opened XX/XX/XXXX. 

XXXX ) XXXX XXXX XXXX XXXX ( Collection, XXXX ), Opened XX/XX/XXXX. 

Additionally, I am disputing the following hard inquiries, which are also inaccurately reported : XXXX XXXX XXXX XXXX ( Inquired on XX/XX/XXXX, XX/XX/XXXX ). 

XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX ). 

XXXX ) XXXX XXXX XXXX ( Inquired on XX/XX/XXXX ). 

XXXX ) XXXX ( Inquired on XX/XX/XXXX, XX/XX/XXXX ). 

XXXX XXXX XXXX XXXX XXXX ( Inquired on XX/XX/XXXX ). 

I request an immediate investigation and correction of these inaccuracies per the Fair Credit Reporting Act ( FCRA ). The failure to address these errors has caused undue harm to my credit standing. I urge the bureaus to take prompt action and provide written confirmation of the corrections made. Since this matter is not resolved in a timely manner, I am escalating my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities.

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 2025-03-31 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:
Consumer Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX This complaint is being filed with the Consumer Financial Protection Bureau ( CFPB ) to formally request, under FCRA 605B ( 15 U.S.C. 1681c-2 ), that Equifax promptly XXXX and remove fraudulent information from my consumer credit report within XXXX ( XXXX ) business days of receiving this request. 

The fraudulent, inaccurate, and false information in question includes : To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX LA XXXX XXXX. XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX CT XXXX XXXX LA XXXX XXXX. XXXX XXXX XXXX XXXX LA XXXX XXXX. XXXX XXXX XXXX XXXX LA XXXX XXXX. XXXX XXXX XXXX LA XXXX XXXX. XXXX XXXX XXXX XXXX LA XXXX XXXX. Account name ; XXXX XXXX XXXX : XXXX Please remove it from my credit report. 
XXXX. Account Name ; XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Account name ; XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Account Name ; XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Account XXXX ; XXXXXXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Account Name ; XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX Account Name ; XXXX XXXXXXXX XXXX  XXXX Account XXXX ; XXXX Please remove it from my credit report. 
XXXX Account Name ; XXXX BANK AND XXXX Account Number ; XXXX Please remove it from my credit report. 
XXXX Account Name ; XXXX XXXX XXXX Account Number ; XXXX Please remove it from my credit report. 
XXXX Account Name ; XXXX XXXX XXXX Account Number ; XXXX Please remove it from my credit report. 

These fraudulent accounts have led to : Unauthorized hard inquiries Incorrect collection accounts False entries impacting my FICO credit report I have attached : A list of the fraudulent hard inquiries A copy of my Equifax credit report reflecting these false accounts A Federal Trade Commission ( FTC ) Identity Theft Criminal Complaint ( XXXX ), verifying that these accounts, bankruptcy, and hard inquiries were not initiated by me and are the result of identity theft. 

I do not recognize nor authorize the accounts, collections, or inquiries listed above. As per FCRA 605B, I request immediate action to block and remove these fraudulent entries from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$2300.00} XXXX - XXXX - XX/XX/XXXX - {$1900.00} XXXX - XXXX - XX/XX/XXXX - {$1800.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1600.00} XXXX - XXXX - XX/XX/XXXX - {$5100.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$3800.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: GA

Complaint narrative:
Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( XXXX ) business days from the date of receipt of this letter.

Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies.

I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities.

I expect written confirmation by XXXX BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now o icially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue.

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I requested the old and incorrect spelling of my name be removed from my credit report dispute resolved XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, I was charged {$220.00} for contacts that I ordered. And the on XX/XX/year>, I was charged again for the same amount of {$220.00} even though I only should have been charged once. I called XXXX to start a dispute and they are refusing to remove my double charge. I was on a XXXX way call where the XXXX rep confirmed that it was a pre-authorization cost and that the charge should be removed. XXXX then asked me to ask XXXX for a proof of purchase and I emailed them what XXXX gave me. XXXX explain to me that merchants ( often times Wells Fargo ) often do this and there is nothing XXXX can do. XXXX then denied my dispute charge and they are refusing to tell me why my dispute was denied.

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-03-31 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: CA

Complaint narrative:
I am writing to formally dispute an unauthorized credit inquiry that appears on my credit report. Upon reviewing my report, I noticed an inquiry from XXXX XXXX on XX/XX/year>, which I did not authorize. 

According to the Fair Credit Reporting Act ( FCRA ), a company must have my explicit consent or a permissible purpose to pull my credit report. Since I did not initiate or approve this inquiry, I am requesting that it be removed from my credit file immediately. 

Please find attached copies of my identification and a copy of my credit report with the unauthorized inquiry highlighted for your reference. I request that you investigate this matter and provide written confirmation once the inquiry has been removed. 

If this inquiry is not removed, please provide documentation proving that I authorized it. If you can not provide this evidence, I expect the inquiry to be deleted promptly. 

Thank you for your prompt attention to this matter. I look forward to your response within 30 days, as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation