vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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: PA

Complaint narrative:
I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your 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 explanation
Consumer complaint received 2025-06-25 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: CA

Complaint narrative:
TransUnion is reporting a XXXX  XXXX bankruptcy on my credit report that is fraudulent, inaccurately attributed to me, and not mine. I formally disputed this record under FCRA 605B, submitting all required documentation, including a valid FTC Identity Theft Report, government-issued ID, proof of address, and a signed statement declaring the bankruptcy was falsely associated with my identity. 

The bankruptcy was filed on XX/XX/year> in the U.S. Bankruptcy Court, Southern District of California XXXX XXXX, but I was not the filer. The U.S. Bankruptcy Court does not report consumer data to TransUnion, and TransUnion has failed to provide proof of how this record was verified. This is a serious violation of FCRA 605B, and their continued reporting of it is unlawful. 

Despite receiving formal legal notice, TransUnion has not removed the bankruptcy, causing me significant harm including denial of housing, credit rejections, higher interest rates, and emotional distress. XXXX  has already deleted this record after reviewing the same documentation, proving that TransUnion is acting with willful negligence and noncompliance. 

TransUnions ongoing failure to delete this bankruptcy demonstrates gross disregard for consumer protection laws and a lack of integrity in their data handling practices.

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 2025-06-25 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: FL

Complaint narrative:
I had a credit inquiry on my credit report that I did not Authorize, when I call trans union they told me to contact the company direct, that turned out to be useless, was never shown a copy from this company showing I authorize this Inquiry. Trans Union then told me to get a letter from the company stating that I didn't Authorize the inquiry how ever the company told me me since am not a account hold with them they cant give me any letter stating that I authorize or didn't authorize.

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 2025-06-25 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: FL

Complaint narrative:
I had a credit inquiry on my credit report that I did not Authorize, when I call trans union they told me to contact the company direct, that turned out to be useless, was never shown a copy from this company showing I authorize this Inquiry. Trans Union then told me to get a letter from the company stating that I didn't Authorize the inquiry how ever the company told me me since am not a account hold with them they cant give me any letter stating that I authorize or didn't authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: NC

Complaint narrative:
XXXX XXXX Date : XX/XX/year> To : XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX Credit Bureau Dispute Dept Subject : Dispute of Charged-Off Account and Request for Validation Social Security XXXX XXXX Dear XXXX  XXXX, I am writing to formally dispute the charged-off account referenced above, which appears on my credit report and/or is the subject of collection attempts. I do not acknowledge or accept responsibility for this alleged debt and am requesting full validation and documentation to substantiate the charge-off and the balance you claim is owed. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of any negative credit information and alleged debt being reported or collected. 

Please provide the following information : A copy of the original signed contract or agreement between myself and XXXX XXXX that created the alleged debt. 

A full account history and itemization showing : The original balance All payments made Dates of all charges, interest, fees, or penalties applied A detailed calculation of the amount charged off and the remaining balance The date of charge-off and how it was determined Documentation showing XXXX  XXXX still owns the debt, or if it has been sold or transferred : A full chain of title Bill ( s ) of sale or transfer agreements identifying my specific account If the account has been sold or transferred, provide the name and contact information of the current owner of the debt. 

If XXXX XXXX continues to report this account to any credit bureaus, please provide documentation to justify the accuracy and completeness of the reporting, including : The factual basis for reporting it as charged off Proof that you followed proper procedures under FCRA before furnishing this information Please note that you are obligated to report only accurate, complete, and verifiable information to credit reporting agencies. If you can not provide adequate documentation and validation of this account and the charge-off status, I request that you promptly remove it from all consumer credit reporting agencies to whom it has been furnished. 

This is a formal dispute of the reported charge-off. I request your full response within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: NC

Complaint narrative:
XXXX XXXX Date : XX/XX/year> To : XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX Credit Bureau Dispute Dept Subject : Dispute of Charged-Off Account and Request for Validation Social Security XXXX XXXX Dear XXXX  XXXX, I am writing to formally dispute the charged-off account referenced above, which appears on my credit report and/or is the subject of collection attempts. I do not acknowledge or accept responsibility for this alleged debt and am requesting full validation and documentation to substantiate the charge-off and the balance you claim is owed. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of any negative credit information and alleged debt being reported or collected. 

Please provide the following information : A copy of the original signed contract or agreement between myself and XXXX XXXX that created the alleged debt. 

A full account history and itemization showing : The original balance All payments made Dates of all charges, interest, fees, or penalties applied A detailed calculation of the amount charged off and the remaining balance The date of charge-off and how it was determined Documentation showing XXXX  XXXX still owns the debt, or if it has been sold or transferred : A full chain of title Bill ( s ) of sale or transfer agreements identifying my specific account If the account has been sold or transferred, provide the name and contact information of the current owner of the debt. 

If XXXX XXXX continues to report this account to any credit bureaus, please provide documentation to justify the accuracy and completeness of the reporting, including : The factual basis for reporting it as charged off Proof that you followed proper procedures under FCRA before furnishing this information Please note that you are obligated to report only accurate, complete, and verifiable information to credit reporting agencies. If you can not provide adequate documentation and validation of this account and the charge-off status, I request that you promptly remove it from all consumer credit reporting agencies to whom it has been furnished. 

This is a formal dispute of the reported charge-off. I request your full response within 30 days of receipt of this letter. 

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 2025-06-25 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: WA

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 
1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 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 WA XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$750.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : 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 2025-06-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I understand that the CFPB has filed a statement of interest in the XXXX  bankruptcy case, indicating their belief that XXXX  may have violated the Consumer Financial Protection Act. I am writing to provide a personal statement regarding the financial and emotional harm I have experienced as a result of the account disruptions tied to XXXX XXXX XXXX and its associated partner banks and fintech platforms. 

I was a customer of Juno, which used XXXX XXXX XXXX to facilitate banking services. My account was held at XXXX XXXX XXXX XXXX and was frozen on or around XX/XX/year>, without warning. 

When my account was frozen, I had over {$61000.00} in the account. Since then, I have recovered {$250.00}, leaving {$61000.00} still inaccessible over a year later. 

This interruption has caused me significant hardship. Specifically : I experienced severe anxiety and distress due to the sudden loss of access to my savings. This money is part of my retirement, as I have no other source. This is a huge loss for me and has affected my children 's university plan, as they had to take out more loans than originally planned for. 

I am not a venture capitalist or an institutional investorI am a retail consumer who trusted a financial product that was marketed as safe and FDIC-insured. No one should lose access to their legally deposited money because of behind-the-scenes failures between banks and middleware providers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This account is reporting on my credit file, but I have no knowledge of it. I have requested for proof of ownership in the company has failed to send me any documentation with my signature or anything buy them to this account so Im requesting it. Please be removed from my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: NJ

Complaint narrative:
As I was in review of my credit profile I noticed that there were inquiries that are not mine.

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 2025-06-25 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
XXXX  XXXX account was deleted from my credit report sometime in XX/XX/XXXX XXXX XXXX 2024. I am unaware of this debt and did not have the opportunity to dispute the account. If you believe you sent the proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account as soon as possible from my credit report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ADP Inc.
State: IL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX ( ADP ) for illegally refusing to provide me with my full consumer file and all employment-related data they have collected, stored, or shared about me. 

I submitted a formal request for all data they hold on me, including : All personal identifying information All employment records All background screening and consumer reporting data All employer-submitted notes, comments, performance reviews, attendance records, and any other input made by past or current employers into ADPs system All timekeeping and attendance logs Any biometric data Any wellness program data Any scoring models, risk profiles, or analytics tied to me A list of all third parties ADP has shared my data with ADP acknowledged they are governed by the Fair Credit Reporting Act ( FCRA ) by sending me a Summary of Rights Under the FCRA, which confirms they are operating as a consumer reporting agency ( CRA ) for employment-related purposes. 

Despite complying with every single verification step they demandedincluding submitting my state-issued ID, Social Security card , and my employment historyADP is still refusing to release my full file. 

They have stalled, given vague responses, and failed to provide a timeline for delivery. This is a clear violation of my rights under FCRA Section 609 ( 15 U.S.C. 1681g ) and likely other consumer protection laws. 

Their refusal is preventing me from reviewing, correcting, or disputing any inaccurate, outdated, or damaging information that may exist in their systemincluding employment comments or employer-generated records that could negatively impact my future employment, credit, or legal standing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1400.00}, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$25.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$42000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1400.00}, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$25.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$42000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint because Experian is reporting a bankruptcy on my credit report ( Case # XXXX ) that was filed in XXXXXXXX XXXX XXXX XXXX I contacted the court directly and they provided me with an official letter stating they did NOT send any bankruptcy data to Experian or any credit bureau. I sent this letter to Experian, along with proof of my identity, but they have refused to remove the bankruptcy. 

According to the Fair Credit Reporting Act ( FCRA ), any information reported must be verifiable and accurate from the original source. Since the court states they never shared this data, Experian is violating FCRA 1681e ( b ) and 1681i.

In addition, I have tried to obtain full credit reports from XXXX  and TransUnion to confirm whether this bankruptcy appears on those reports, but they will not provide me with complete credit files, either online or by mail. I have submitted my identity verification but still receive limited or incomplete files.

I am requesting that the CFPB step in to : 1. Require Experian to remove the inaccurate and unverified bankruptcy 2. Require TransUnion and XXXX  to provide my full credit reports as required by law 3. Provide the names of any third-party data furnishers involved ( e.g., XXXX, XXXX ) Also the information on my bankruptcy, the address XXXX XXXX XXXX XXXX XXXX XXXX is an incorrect address I do not live there.

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