vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 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: AL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-04-18 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: VI

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being XXXX XXXX accurate under XXXX XXXX XXXX XXXX ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, TX XXXX XXXX DISTRIBUTION FOUNDATION F XXXX * * Date Opened : XX/XX/XXXX Balance Owed : {$3300.00} Charged off XXXX XXXX * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$2100.00} XXXX off SERVICE FINANCE COMPAN XXXX * Date Opened : XX/XX/XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, TX XXXX XXXX DISTRIBUTION FOUNDATION F XXXX * * Date Opened : XX/XX/XXXX Balance Owed : {$3300.00} Charged off XXXX XXXX * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$2100.00} XXXX off SERVICE FINANCE COMPAN XXXX * Date Opened : XX/XX/XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX off

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 2025-04-18 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:
I recently reviewed a copy of my credit report and notice. I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

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 2025-04-18 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: MD

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 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 2025-04-18 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: TX

Complaint narrative:
FCRA Dispute Statement for CFPB Submission RE : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account I am submitting this complaint as a victim of identity theft under the protections afforded by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This fraudulent account, listed by XXXX XXXX XXXX and originally tied to XXXXXXXX XXXX XXXX XXXX has appeared on my credit report despite multiple formal disputes and previous removal actions. 

This account is not mine. I did not authorize or open it.

I have filed no fewer than seven ( 7 ) identity theft disputes with the credit bureaus regarding this same account.

The account was previously removed, confirming it was determined to be inaccurate or fraudulent.

It has now reappeared without cause, constituting a violation of FCRA 611 ( a ) ( 5 ) ( B ), which prohibits re-insertion of previously deleted information without proper certification from the furnisher and consumer notification.

I have submitted an FTC Identity Theft Report and provided supporting documentation to the credit bureaus. I am now requesting the CFPB enforce my rights under FCRA Section 605B, which mandates the blocking and permanent deletion of fraudulent information. 

I further request that XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  be investigated for improper furnishing of data and for continuing to report a disputed and fraudulent debt after being informed of its inaccuracy, which may also violate FCRA 623.

I respectfully demand the immediate and permanent removal of this account from all credit bureaus and for all entities involved to cease collection, reporting, or re-furnishing activity related to this fraudulent debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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:
FCRA Dispute Statement for CFPB Submission RE : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account I am submitting this complaint as a victim of identity theft under the protections afforded by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This fraudulent account, listed by XXXX XXXX XXXX and originally tied to XXXXXXXX XXXX XXXX XXXX has appeared on my credit report despite multiple formal disputes and previous removal actions. 

This account is not mine. I did not authorize or open it.

I have filed no fewer than seven ( 7 ) identity theft disputes with the credit bureaus regarding this same account.

The account was previously removed, confirming it was determined to be inaccurate or fraudulent.

It has now reappeared without cause, constituting a violation of FCRA 611 ( a ) ( 5 ) ( B ), which prohibits re-insertion of previously deleted information without proper certification from the furnisher and consumer notification.

I have submitted an FTC Identity Theft Report and provided supporting documentation to the credit bureaus. I am now requesting the CFPB enforce my rights under FCRA Section 605B, which mandates the blocking and permanent deletion of fraudulent information. 

I further request that XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  be investigated for improper furnishing of data and for continuing to report a disputed and fraudulent debt after being informed of its inaccuracy, which may also violate FCRA 623.

I respectfully demand the immediate and permanent removal of this account from all credit bureaus and for all entities involved to cease collection, reporting, or re-furnishing activity related to this fraudulent debt.

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 2025-04-18 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: CT

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX * * Balance : {$4900.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$350.00}, XXXX XXXX * * * * Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX * * * Balance : {$2100.00}

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 explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-04-18 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:
am filing this complaint with the CFPB regarding identity theft that has severely damaged my credit profile. Upon reviewing my credit reports, I discovered multiple accounts and inquiries that I did not authorize or open. This fraudulent activity has significantly lowered my credit score and impaired my financial standing. 

After identifying these unauthorized accounts, I promptly contacted the involved financial institutions to report the fraud. Despite providing evidence that I did not open these accounts, I continue to face difficulties getting these items removed from my credit reports. The credit reporting agencies have been unresponsive to my disputes, and the financial institutions continue to report this fraudulent information. 

This situation has created substantial hardship, affecting my ability to obtain necessary credit, secure housing, and even impacting employment opportunities. I have already taken appropriate steps including filing a police report, submitting an FTC Identity Theft Report, and placing fraud alerts on my credit files. 

I am requesting the CFPB 's assistance in requiring these companies to conduct proper investigations, remove all fraudulent information from my credit reports, and restore my credit profile. The continued reporting of this fraudulent information violates my rights under the Fair Credit Reporting Act. 

I am prepared to provide all supporting documentation to substantiate my claims and cooperate fully with any investigation into this matter.

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 2025-04-18 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: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX XXXX XXXX. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-18 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: IL

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 XXXX 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 XXXX of the Fair Credit Reporting Act.

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 2025-04-18 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: TX

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 XXXX  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 2025-04-18 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:
Subject : Formal Demand for Removal of Reinserted Account Violation of FCRA XXXX ( a ) ( XXXX ) ( B ) To Whom It May Concern, I am writing to bring to your attention a serious violation of the Fair Credit Reporting Act ( FCRA ) regarding the illegal reinsertion of a previously resolved account into my credit report. The account in question, Account NumberXXXX, reported by XXXX XXXX XXXX XXXX XXXX includes a late payment dated XX/XX/year>. This account had previously been deleted or updated to a positive standing after investigation, and it has now reappeared without proper notice or validation According to FCRA XXXX ( a ) ( XXXX ) ( B ) : " A consumer reporting agency may not reinsert a previously deleted item unless the information provider certifies that the information is complete and accurate, and the agency notifies the consumer in writing within XXXX business days of the reinsertion. 

" I have not received any such notice within the required timeframe. Therefore, this reinsertion is a direct violation of federal law and has caused immediate and measurable harm, including negatively impacting an active funding process for my business.

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 2025-04-18 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: SC

Complaint narrative:
In accordance with XXXXXXXX XXXX XXXXXXXX ( 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 non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Credit Karma, LLC
State: DC

Complaint narrative:
My account was frozen out of nowhere i only know that because i tried to add money with in a week of it going into negative after I was told and knew I add over draft proctection. However after I reported credit Karma  about taking two years on a investigation they then put the money back on with in a week or 2 of me submitting and complaint however I told you guys they would do this in my last message because there scamming people accounts. And then lying about your credit score to get in lowered. Never the less I was never told if I didnt call myself because I actively use this account. I was given a notice or anything. They just told me as of today that its been shut down but I have no reason why. However I know its because I reported them about the 2 year investigation they did.

Company response to consumer: Closed with explanation