vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
HELP ME! This is a violation of my rights. I need your help please. 

TransUnion is knowingly and unlawfully reporting two fraudulent collection accounts that are the result of identity theft. I have never opened, authorized, or acknowledged these accounts. I have submitted all required documentation, including a valid FTC Identity Theft Report, government-issued ID, and proof of residence. Both Equifax and Experian have removed these accounts, but TransUnion continues to report them, despite multiple disputes and clear supporting evidence. 

The fraudulent accounts that must be removed are : XXXX. XXXX XXXX XXXX / Resurgent Capital Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2024 I have never received notice from any party in this debt chain XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

TransUnion is also in violation of FCRA 1681c-2, which requires the blocking and deletion of identity theft-related accounts within four ( 4 ) business days of receiving valid documentation. 

Despite months of written correspondence, I have been ignored, hung up on, and treated with rudeness and disrespect by TransUnion representatives. This misconduct and refusal to act is a direct violation of my rights under federal law. 

This ongoing misreporting is severely harming my credit and is preventing me from securing a mortgage. I am requesting the CFPB take immediate action to force compliance and ensure the permanent deletion of these accounts. 

Thank you! 
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 2025-06-12 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: CT

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 explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken
State: OK

Complaint narrative:
I have always used two factor authentication with Kraken.Com, XXXX XXXX XXXX I noticed about two months later that I had problems logging into my Kraken.Com account. Once I got access, I noticed most of my account was gone! On XX/XX/year> someone probably an insider like a XXXX had removed my XXXX level authentication security, then on XX/XX/year> someone sold several of my coins and withdrew this to their account using a XXXX browser which I don't use and I didn't approve the transaction via email and didn't " even receive such an email asking for my approval which IS required! 

I notified Kraken.Com, they advised I should open a case with my local police department which I did. 

After several emails and stonewalling I've asked them for an ADR/Mediation of this dispute, but they continue to ignore 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 explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
b"REPORTING INFORMATION ON A CONSUMER'S CREDIT REPORT WITHOUT THEIR WRITTEN CONSENT IS IDENTITY THEFT. I \nDID NOT GIVE ANYONE WRITTEN OR VERBAL PERMISSION FOR THEM TO PLACE SUCH INFORMATION ON MY CONSUMER \nREPORT BECAUSE MY PRIVACY RIGHTS HAVE BEEN VIOLATED. I AM DEMANDING THE COMPANY BLOCK AND REMOVE THE \nACCOUNTS FROM MY CONSUMER REPORT NO LATER THAN 4 BUSINESS DAYS AFTER SUCH INFORMATION I'VE \nPROVIDEDXXXX.ACCOUNTS: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 2025-06-12 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: CL Holdings LLC
State: MD

Complaint narrative:
I initially contacted XXXX XXXX XXXX ( NCS ) to inquire about credit report finding and received response that they were collecting on behalf of XXXX XXXX  XXXX XXXX I reported this to XXXX initially on XX/XX/year> and filed writ with the XXXX XXXX XXXX and believe this is the same company trying to make up charges to file a counter suit. The name of the name of the organization is Jefferson Capital LLC. I do not know of this company or do not know anything about this debt. The credit report do not have any account number or original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: MA

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX  XXXX ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX MA XXXX ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$780.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} MXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$520.00} COLLECTION - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$200.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$740.00} XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7600.00} XXXX XXXX IN. XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$650.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Date : XX/XX/XXXX To : TransUnion Re : Formal Request for Procedural Disclosure under FCRA XXXX ( a ) ( XXXX ) XXXX XXXX XXXX XXXX ( # XXXX * * * * ) Dear TRANSUNION, Pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX XXXXXXXX XXXX XXXXXXXX ( Section XXXX ( a ) ( XXXX ) ), I am formally requesting full procedural documentation regarding the XXXX XXXX account currently being reported on my credit file. 



Account Details Being Disputed Creditor : XXXX XXXX XXXX XXXX Account Number ( Last XXXX ) : XXXX * * * * Date Opened : XX/XX/XXXX Reported Charge-Off : {$4900.00} Last Payment : XX/XX/XXXX Status : Charged Off Request for Verification Procedures Under FCRA XXXX ( a ) ( XXXX ), I am entitled to know the sources of information used to verify this account and the procedures you used during any previous verification process. This includes, but is not limited to : The name and address of the original furnisher ( XXXX XXXX ) The method used to verify the reported charge-off, payment history, and delinquency dates Documentation provided by XXXX FEDERAL to support the current status, balance, and reporting timeline The XXXX XXXX compliance codes submitted with each monthly update, if applicable Evidence of my original wet-ink signature on any contract or agreement regarding this account If you can not produce the documentation verifying this account as accurate, or if XXXX XXXX can not substantiate their claims with original signed contracts and a full payment history, you are obligated under FCRA XXXX and XXXX to delete the account from my credit file. 

Failure to Comply Please be advised that failure to provide these documents within XXXX days of receipt of this letter will constitute a willful violation of the FCRA and my rights under federal law. In such case, I will : Submit formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) Consider legal action to enforce my rights and seek damages under XXXX and XXXX of the FCRA I expect a response within the statutory XXXX-day timeframe. Please provide the requested documentation or confirm in writing that the account has been deleted. 

Sincerely, 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 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MO

Complaint narrative:
On XX/XX/XXXX, an adjustment was pulled from my account for {$200.00} from XXXXXXXX XXXX. I called XXXX as Chime suggested, and they needed a transaction ID. Chime would not provide this information. I got transferred many many times and no one helped. I was told it may be a child support payment or something I owe, which I do not, as I do not have any association with XXXX XXXX. I am not allowed to dispute this either. So XXXX XXXX was able to take my money for no reason, and Chime did nothing to help me recover my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
b"REPORTING INFORMATION ON A CONSUMER'S CREDIT REPORT WITHOUT THEIR WRITTEN CONSENT IS IDENTITY THEFT. I \nDID NOT GIVE ANYONE WRITTEN OR VERBAL PERMISSION FOR THEM TO PLACE SUCH INFORMATION ON MY CONSUMER \nREPORT BECAUSE MY PRIVACY RIGHTS HAVE BEEN VIOLATED. I AM DEMANDING THE COMPANY BLOCK AND REMOVE THE \nACCOUNTS FROM MY CONSUMER REPORT NO LATER THAN 4 BUSINESS DAYS AFTER SUCH INFORMATION I'VE \nPROVIDEDXXXX.ACCOUNTS: 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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in XXXX XXXX XXXX ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: NV

Complaint narrative:
account National Credit Adjusters # XXXX I am disputing inaccurate information listed on my credit report. the item identified do not reflect my true credit history and i am requesting an immediate investigation and correction under the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I dont recognize the following accounts in question. Im a XXXX of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my credit report immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: VA

Complaint narrative:
DEPTOFED XX/XX/XXXX {$7800.00} DEPTOFED XX/XX/XXXX {$6300.00} DEPTOFED XX/XX/XXXX {$1500.00} DEPTOFED XX/XX/XXXX {$3200.00} DEPTOFED XX/XX/XXXX {$4800.00}

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Consumer XXXX Good Afternoon, My name is XXXX XXXX my Bank of America account was closed due to fraudulent activity I wasn't aware of or had any part of. According to the document sent by XXXX XXXX the account was closed because of Checking/Transaction Account Fraud. On XX/XX/2023 I was walking home from work around XXXX am. I was robbed and threatened with a knife for my phone and wallet. I never got the chance to close the account due to me not having access to my gmail and not having no Identification. I wasn't aware that I am a fraud victim until I recently tried to open a XXXX XXXX account and was denied and they directed me to early warning services.

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 2025-06-12 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: PA

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXXXXXX ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ACCOUNTS : INQUIRIES : FACTUAL DATA Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX : XX/XX/year> XXXX Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: MD

Complaint narrative:
This is a follow-up to my earlier dispute. There are still incorrect and incomplete items showing on my credit report. Im now requesting a written description of the steps you took to investigate the account. According to federal law, you must send this within 15 days of receiving this notice. If you cant verify the details or fail to respond in time, the account must be removed. Ive attached a copy of my initial request. Please respond promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: AZ

Complaint narrative:
On XX/XX/XXXX I was fraudulently charged {$1500.00} by a vendor in XXXX. I did not authorize this charge. I contacted Chase bank to dispute the charge and they initially removed the charge from my balance. However on XX/XX/XXXX they decided to put the charge back on my account stating I benefited from the transaction. I did not get any services or goods worth {$1500.00}, I did not authorize the charge. I reopened the case just to get passed back and forth being promised a call back. I did not receive a call back but instead received another letter from chase on XX/XX/XXXX stating I was responsible for the charge. I have explained to chase multiple times I did not authorize this charge, I did not purchase or receive any goods from this charge. They still will not remove the charge from my account. Chase needs to be better.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am disputing multiple hard inquiries on my credit reports that I did not authorize or initiate. These inquiries appear under Account Review Inquiries or similar on reports from Experian, TransUnion, and Equifax. 

I have not applied for credit with the companies listed below, nor did I give permission for them to access my credit file. Examples include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe these inquiries are the result of either a reporting error or identity misuse. Under the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation and removal of any inquiry that can not be verified as authorized by me. 

I have uploaded screenshots from my credit report as supporting documentation. Please confirm in writing once the issue has been resolved.

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 2025-06-12 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:
These fraudulent accounts and addresses do not belong to me. I have never lived at XXXX XXXX XXXX where these accounts were open. I have also included the identity theft report as well as my ID with my address and my SSN card and passport. These accounts also do not appear on my XXXX XXXX XXXX reports which I have included. 

Please remove these fraudulent accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these fraudulent addresses XXXX XXXX XXXX XXXX XXXX NJ XXXX Please remove these fraudulent inquiries 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