vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both.

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 2025-04-17 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-04-17 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: CA

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 XXXX 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 BANK XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-17 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: GA

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. 

List of Unauthorized Inquiries : XXXX - XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've found that my credit report has erroneous information for a several times. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the credit bureau must check this account ( A ). It is unacceptable to list this account as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or a deletion of this erroneous information on my credit report : Chapter 13 Bankruptcy XXXX XXXX # XXXX Date Filed : 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 2025-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I Am a Victim of Identity theft and Have been Since 2018. These Companies keep extending credit to these creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are inaccurate and does not bomg to me. Per a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ).

If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Also per fvra 605b Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ;

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am submitting this formal complaint to address discrepancies found in my credit report and to request a fair and accurate resolution. I respectfully urge the credit bureaus to verify and correct my personal identifying information, including my full legal name, current address, date of birth, and the last XXXX digits of my Social Security number. Any information that is inaccurate, outdated, or unverified should be corrected or removed promptly to ensure my credit file reflects accurate data. 

The following entries are of concern : 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 DEPTEDXXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough reinvestigation of all disputed entries. If any item can not be verified with concrete and accurate documentation, I request its immediate removal to prevent it from negatively impacting my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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 am submitting this formal complaint to address discrepancies found in my credit report and to request a fair and accurate resolution. I respectfully urge the credit bureaus to verify and correct my personal identifying information, including my full legal name, current address, date of birth, and the last XXXX digits of my Social Security number. Any information that is inaccurate, outdated, or unverified should be corrected or removed promptly to ensure my credit file reflects accurate data. 

The following entries are of concern : 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 DEPTEDXXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough reinvestigation of all disputed entries. If any item can not be verified with concrete and accurate documentation, I request its immediate removal to prevent it from negatively impacting my credit profile.

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 2025-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
On XX/XX/year>, I woke up to 11 transactions on my Venmo debit card from XXXX XXXX in XXXX XXXX ( I live in XXXX, XXXX  ) at XXXX. The 11 transactions totaled {$2900.00}, depleting the money stored in my Venmo account to {$64.00}. I was completely unaware of/did not make any of these transactions, and since filed a fraud dispute with Venmo to get the transactions investigated further, which is currently under review. I reported the fraud not even 2 hours after the transaction occurred, and immediately after I noticed them. I have my physical card with me in XXXX, and have not shared any of my information with anyone else, so I have no idea how someone got hold of my information and was able to access my account/card numbers. I have since disabled the card and locked my Venmo account, change my card pin and account password, as well as froze my actual bank card attached to Venmo, which was thankfully unharmed. 
According to Venmo, as a debit card holder through them, I am pass-through FDIC insured XXXX and to my understanding of their terms, be able to get my money recovered. 
But after countless hours of research, I have mostly read that Venmo rarely offers refunds even for scams/fraud. 
As a college student who now has almost all of the money to my name stolen that I use to cover rent and living expenses, I am scared and desperate for answers/any help to ensure I can get my money recovered from clear fraudulent activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-17 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: IL

Complaint narrative:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit reporting agency to review these accounts ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$690.00} XXXX  XXXX * * * * * * Balance Owed : {$0.00} XXXX XXXX * * Balance Owed : {$21000.00}

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 2025-04-17 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 formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX.XXXX  clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: NV

Complaint narrative:
I am the federally registered trademark and copyright holder of the commercial identity XXXX XXXX XXXX. XXXX XXXX XXXX  ( XXXX ) continues to act as a servicer on a mortgage they do not own, without a signed license agreement or commercial authorization to use my protected name. 

XXXX acknowledged in writing that XXXX XXXX is the owner of the loan. However, no assignment, contract, or licensing documentation has been provided. XXXX is servicing, billing, and communicating under a federally protected name in violation of 15 U.S.C. 1125 and without contractual authority. 

I previously submitted a cease-and-desist notice and intellectual property declarations, but have received no proof of claim, servicing agreement, or validation. Their use of my protected identity is unauthorized and continues to harm me commercially.

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 2025-04-17 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: NV

Complaint narrative:
I am the federally registered trademark and copyright holder of the commercial identity XXXX XXXX XXXX. XXXX XXXX XXXX  ( XXXX ) continues to act as a servicer on a mortgage they do not own, without a signed license agreement or commercial authorization to use my protected name. 

XXXX acknowledged in writing that XXXX XXXX is the owner of the loan. However, no assignment, contract, or licensing documentation has been provided. XXXX is servicing, billing, and communicating under a federally protected name in violation of 15 U.S.C. 1125 and without contractual authority. 

I previously submitted a cease-and-desist notice and intellectual property declarations, but have received no proof of claim, servicing agreement, or validation. Their use of my protected identity is unauthorized and continues to harm me commercially.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: NV

Complaint narrative:
I am the federally registered trademark and copyright holder of the commercial identity XXXX XXXX XXXX. XXXX XXXX XXXX  ( XXXX ) continues to act as a servicer on a mortgage they do not own, without a signed license agreement or commercial authorization to use my protected name. 

XXXX acknowledged in writing that XXXX XXXX is the owner of the loan. However, no assignment, contract, or licensing documentation has been provided. XXXX is servicing, billing, and communicating under a federally protected name in violation of 15 U.S.C. 1125 and without contractual authority. 

I previously submitted a cease-and-desist notice and intellectual property declarations, but have received no proof of claim, servicing agreement, or validation. Their use of my protected identity is unauthorized and continues to harm me commercially.

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 2025-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: GFS II, LLC
State: MD

Complaint narrative:
I requested a copy of the assignment from XXXX XXXX XXXX The chain of assignments. XXXX XXXX filings in regards to the note i signed.The purchase agreement or funding log. The XXXX documents showing when/if the XXXX was securitized. A copy of the original contract showing any assignee endorsement ( XXXX XXXX relevance ), proof of consideration and transfer date. XXXX of the XXXX XXXX with the accounts receivable and account payable ( not a copy of the customer payment history or customers credit and debit payment ledger ). Prove that they are the holder in due course the rightful holder and that they actually hold the note with any assignments to a spe. Prove that the note is not securitized. Prove that the bank requested a down payment and not by company policy. I requested that they stop falsely reporting on my credit report and transfer/apply the funds/credits from the accounts recievable to the account payable derived from the promissory note i signed to the principle balance for my benefit as beneficiary as the creator and originator of the note. All property is held in trust. Provided me with all XXXX forms that has been filed in regards to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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