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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
My identity has been stolen, and someone has been fraudulently using my personal information to obtain loans and secure employment. I was unaware of this activity until I began receiving notices and inquiries about accounts and debts I never opened or authorized. This has caused significant emotional distress and has damaged my credit and reputation. I have taken immediate steps to report the identity theft to the proper authorities, including notifying credit bureaus. I am actively working to resolve the situation and clear my name. I am a victim of identity theft and had no involvement in the fraudulent activities committed under my name. I respectfully ask for understanding and cooperation as I continue to navigate and recover from this violation of my personal and financial security. Thank you for your time and consideration in reviewing this matter.

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:
I am writing to convey my concerns regarding the credit reporting agencies ' inaction concerning the disputes I have submitted. As a vigilant consumer, I am acutely aware of my rights under the Fair Credit Reporting Act ( FCRA ) and, more specifically, the provisions outlined in 15 USC 1681. It is with great urgency that I bring this matter to your attention due to the agencies ' apparent disregard for these statutory obligations.

Enclosed with this letter, you will find documented evidence and the dates of each dispute I have submitted. Despite my repeated and timely efforts, I have yet to receive any correspondence or validation regarding the claims I have made. This silence stands in direct violation of 15 USC 1681, which mandates timely and thorough investigation of disputes.

I must emphasize that I have only one name, one address, and one phone number, and that only this singular identity should be accurately reflected on my consumer report. The failure to correct these inaccuracies constitutes a profound breach of my rights, with significant repercussions on my financial well-being.

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 — Personal information incorrect
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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 — Personal information incorrect
Company: Experian Information Solutions 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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 — Personal information incorrect
Company: EQUIFAX, 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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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: NJ

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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: EQUIFAX, INC.
State: NJ

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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: NY

Complaint narrative:
These inquiries are not mines and never gave consent to any at all please remove all. 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

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: MD

Complaint narrative:
This is a formal urgent supplemental to escalate my open complaints regarding inaccurate and harmful credit reporting by Equifax [ complaint no XXXX ], TransUnion [ complaint no XXXX ], and Experian [ complaint no XXXX ]. l have submitted complaints through the CFPB portal and received interim responses from Equifax, Experian, and TransUnion indicating that they may take up to 60 days to respond.

I am currently living on a month-to-month lease, and these unresolved credit inaccuracies are materially interfering with my ability to qualify for a new lease or secure alternative housing. Under Maryland law, my landlord is legally permitted to terminate my tenancy with 30 days notice. As such, my housing situation is precarious and unstable, and the continued presence of inaccurate and derogatory information on my credit report is a direct barrier to obtaining adequate housing. This constitutes a severe hardship. 


I am submitting this to escalate due to severe hardship including housing insecurity, inability to refinance a predatory auto loan, and serious financial harm.

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: MD

Complaint narrative:
This is a formal urgent supplemental to escalate my open complaints regarding inaccurate and harmful credit reporting by Equifax [ complaint no XXXX ], TransUnion [ complaint no XXXX ], and Experian [ complaint no XXXX ]. l have submitted complaints through the CFPB portal and received interim responses from Equifax, Experian, and TransUnion indicating that they may take up to 60 days to respond.

I am currently living on a month-to-month lease, and these unresolved credit inaccuracies are materially interfering with my ability to qualify for a new lease or secure alternative housing. Under Maryland law, my landlord is legally permitted to terminate my tenancy with 30 days notice. As such, my housing situation is precarious and unstable, and the continued presence of inaccurate and derogatory information on my credit report is a direct barrier to obtaining adequate housing. This constitutes a severe hardship. 


I am submitting this to escalate due to severe hardship including housing insecurity, inability to refinance a predatory auto loan, and serious financial harm.

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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
1. The bankruptcy appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference

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 — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The credit company keep discriminating and failing to do proper investigation and show documentation of incorrect information on my credit report. Every time I get close to XXXX fico score they take away my points over several times this has happened they or reporting inaccurate information report old information like a bankruptcy thats over XXXX old, I filed FTC report and documents from creditors showing that its identity theft and they take XXXX points off my fico with no explanation

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: CA

Complaint narrative:
The debt collector in question has been involved in prohibited practices outlined by the FDCPA, which include abusive, deceptive, and unfair actions. They provided information about an account that I never agreed upon or signed any agreement for. A legal contract requires the participation of both parties, but I was not involved whatsoever. Furthermore, they failed to adhere to the proper five-step validation procedure, which constitutes unfair practices. As stated by the FDCPA, I am entitled to compensation of {$1000.00} per violation, and it is evident that my rights have been violated by their actions.

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 card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In XX/XX/XXXX, used AMEX credit card to purchase gift card ( s ) with a local small business restaurant. 

In late XX/XX/XXXX, I attempted to use the gift cards and was advised they were no longer valid and could not be used. The gift cards do NOT have any expiration date ( s ) on them. Per the FTC 's Credit CARD ( Card Accountability Responsibility and Disclosure ) Act, gift cards can not expire any less than XXXX  years. In California, gift cards can not/do not expire art all. 

During XXXX and XXXX, I attempted to address the issue with the merchant. In XXXX, I contacted AMEX to dispute the charge. My telephonic request to dispute the charges was declined because the charges were no longer available ( dispute process can only be initiated on charges 60 days old or less ). I insisted there must be recourse available for transactions that are billed in advance ( i.e., airline tickets, vacation packages, custom built furniture/merchandise, etc... ) and then are not delivered/not rendered/not as described at the anticipated future date. I was advised to submit my request in writing. 

On XX/XX/XXXX, I wrote a 3 page letter providing all the details ( original dates of charges, issue experienced in late XX/XX/XXXX, my unsuccessful efforts to address with merchant, etc .. ). I received a canned form letter regurgitating the 60 day time limit to dispute a charge. 

In XXXX, I then escalated to the Chairmans Office. A XXXX XXXX stressed that the 60 day time limit to dispute transactions is regulated by the FTC. I advised XXXX XXXX that the Credit CARD Act is also imposed and regulated by the FTC and that the gift cards expiring is a violation of the Credit CARD Act and therefore AMEX should be ensuring compliance with the Credit CARD Act and enforcing it with their merchants. I again received a number of canned form letters reiterating the 60 day time frame to dispute charges. 

I continued to email the Chairmans Office XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no acknowledgement nor response. I then escalated/sent an email to XXXX XXXX XXXX , AMEX CEO on XX/XX/XXXX. Clearly the email was only forwarded back to operations because again, canned form letters with 60 day time limit language reiterated. 

I subsequently re-emailed XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. No acknowledgement nor response to either communication.

Company response to consumer: Closed with 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: PA

Complaint narrative:
I was a victim of identity theft. There is inquiry on my Transunion credit report that is fraudulent and do not belong to me. I've already filed an FTC report. The inquiry is 1. XXXX  XXXX  - XXXX XXXX, 2025

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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: GA

Complaint narrative:
ERROR To : Consumer Financial Protection Bureau ( CFPB ) Complaint Details : I am filing a formal complaint against XXXX XXXX XXXX ( XXXX XXXX I, XXXX ) for violations of theFair Debt Collection Practices Act ( FDCPA ) and theFair Credit Reporting Act ( FCRA ). 

1. Failure to Validate Debt : On [ date you disputed ], I sent a written dispute to XXXX XXXX XXXX via [ certified mail/other method, include tracking # if possible ], requesting validation of the alleged debt. XXXX hasfailed to provide any documentationproving I owe this debt, including : o A signed contract or agreement bearing my signature. 
o A detailed account history showing how the debt was calculated. 
o Proof of legal ownership of the debt ( chain of custody ). 

2. Violation of 30-Day Response Requirement : Per the FDCPA ( 15 U.S.C. 1692g ), XXXX was required to respond to my dispute within30 daysbut hasfailed to do so. Their lack of response renders the debt unverified, yet they continue to report it to credit bureaus. 

3. Harassment & Extortion Attempts : XXXX continues to report this invalidated debt to credit bureaus, damaging my credit score. This constitutes harassment under the FDCPA, as they are attempting to collect a debt they can not legally verify. 


4. Demand for Immediate Correction : o Removethe fraudulent collection account from my credit reports ( Experian, Equifax, TransUnion ) immediately. 
o Cease all collection efforts, including credit reporting, unless they provide lawful validation. 
o Confirm in writingthat the debt has been deleted and will not be resold.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It says I have open a delinquent accounts that seriously past due. These accounts have been charged off as of 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 2025-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I reviewed my credit report on XX/XX/year> and saw a collection that I was unaware of, I contacted XXXX XXXX on XXXX XXXX XXXX  and spoke with them for half an hour, they replied that they didn't know or have my information. 
LVNV Funding LLC presented a letter to me on XX/XX/year> ( per last complaint ) but they were already in violation of Regulation F by not speaking to me in person or by phone, only to say they mailed me a letter on XX/XX/year> when they reported to the credit agencies prior to mailing letter, not giving me 14 days to reply. 
I have phone records and screenshot as proof.

Company response to consumer: Closed with explanation