vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$470.00} XXXXXXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$360.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-18 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach

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 2025-08-18 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$160.00} XXXX XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$320.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: NJ

Complaint narrative:
am writing to formally demand the immediate removal of a fraudulent account reported by XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, which continues to appear on my credit reports with TransUnion, Experian, and Equifax. 

I have previously submitted the following to all parties involved : An Identity Theft Report filed with the Federal Trade Commission ( FTC ) A police report substantiating that the account is the result of identity theft A signed affidavit under penalty of perjury, affirming that I did not open or authorize this account Despite providing substantial documentation proving the account is fraudulent, the account remains on my credit file. I have received no sworn affidavit or verification signed under penalty of perjury from either XXXX or XXXX XXXX XXXX establishing that I owe this alleged debt. Therefore, your continued reporting and verification constitute a willful and negligent violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation 15 U.S.C. 1681i ( a ) Failure of the credit reporting agencies to delete inaccurate or unverifiable information after receiving notice of a dispute 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy of the information Furthermore, your conduct constitutes harassment, unjust enrichment, and extortion by continuing to damage my credit reputation and pressuring me to resolve a debt that I do not owe. This has caused me significant emotional distress, reputational harm, and financial injury. 

DEMAND FOR ACTION : I hereby demand the following within four ( 4 ) calendar days from the date of this letter : 1. Immediate deletion of the XXXX and XXXX tradelines from all credit reporting agencies ; FTC REPORT ATTACHED

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 2025-08-18 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: NJ

Complaint narrative:
am writing to formally demand the immediate removal of a fraudulent account reported by XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, which continues to appear on my credit reports with TransUnion, Experian, and Equifax. 

I have previously submitted the following to all parties involved : An Identity Theft Report filed with the Federal Trade Commission ( FTC ) A police report substantiating that the account is the result of identity theft A signed affidavit under penalty of perjury, affirming that I did not open or authorize this account Despite providing substantial documentation proving the account is fraudulent, the account remains on my credit file. I have received no sworn affidavit or verification signed under penalty of perjury from either XXXX or XXXX XXXX XXXX establishing that I owe this alleged debt. Therefore, your continued reporting and verification constitute a willful and negligent violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation 15 U.S.C. 1681i ( a ) Failure of the credit reporting agencies to delete inaccurate or unverifiable information after receiving notice of a dispute 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy of the information Furthermore, your conduct constitutes harassment, unjust enrichment, and extortion by continuing to damage my credit reputation and pressuring me to resolve a debt that I do not owe. This has caused me significant emotional distress, reputational harm, and financial injury. 

DEMAND FOR ACTION : I hereby demand the following within four ( 4 ) calendar days from the date of this letter : 1. Immediate deletion of the XXXX and XXXX tradelines from all credit reporting agencies ; FTC REPORT ATTACHED

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 2025-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I was scammed on 3 transactions. 

XXXX thru XXXX XXXX of XXXX XXXX XXXX transactions ( {$990.00} ) back to back. And XXXX at XXXX  ( {$700.00} ). 

I do not ever spend large amounts of money. I did not get a fraud alert as all of these shouldve sparked one.

I have tried to dispute with chase and was told it was denied as they needed proof I didnt make the purchases.

I have filed a police report and with 2 other agencies recommended by the police officer.

What proof can I give that I didnt make a purchase if I didnt do it?

Look at my checking account history and you can tell I barely spend money, let alone large amounts.

I have never used XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$13000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$860.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Each time I would talk to the bank they would tell me that they couldn't give me the 1099C for tax purposes and I put money into my account they would take the money out and still report to the credit bureau 's. NAVY FEDERAL CREDIT UNION REPORTING THAT THE DEBT IS PROFIT LOSS AND THEY WRITE OFF THE DEBT. They trying to take me to court for this credit card debts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: TX

Complaint narrative:
My credit report reflects inquiries that I do not recognize. I never gave these companies permission to access my credit file, nor did I apply for credit with them. This is a clear violation of my rights as a consumer, and it has added unnecessary stress to my life during an already difficult time.

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 2025-08-18 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: TX

Complaint narrative:
I am writing to formally address an issue concerning the reporting of my account to the major credit reporting agencies.On XX/XX/year>, I entered into a loan agreement with XXXX XXXX XXXX. A tradeline reflecting this account was added to my credit reports shortly thereafter. On XX/XX/year>, my first payment was reported to the credit bureaus. However, since that date, no subsequent payments or updated balances have been reported. This lack of accurate and complete reporting has negatively impacted my credit scores and does not reflect my current payment history or account status. The Fair Credit Reporting Act ( FCRA ) requires that information furnished to consumer reporting agencies be complete and accurate. The withholding of payment and balance histories constitutes a violation of this obligation.

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I submitted a written request to Experian requesting the immediate blocking of several fraudulent accounts that appeared on my credit report due to identity theft, as allowed under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2.

I included all required documentation : Identity Theft Report filed with the FTC ( Report # : XXXX ) Copy of my government-issued ID Proof of address Under 15 U.S.C. 1681c-2 ( a ) ( 1 ), Experian is required to block the fraudulent information within 4 business days of receipt. Despite meeting all legal requirements, the accounts were not blocked as mandated, and no written confirmation was provided. 

The fraudulent accounts I identified were : XXXX XXXX XXXX / XXXX XXXX XXXX Account ending in XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ending in XXXX XXXX XXXX XXXX XXXX  Balance : {$440.00} XXXX XXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX XXXX Account ending in XXXX Balance : {$5600.00} These accounts do not belong to me and are the result of identity theft. They continue to damage my credit report and violate my rights as a consumer. I requested that Experian comply with the FCRA by blocking these accounts, but no timely action was taken.

Additionally, if Experian claims to have verified any of these accounts, they are required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) to notify me in writing before re-inserting the data which they have not done. 

I am requesting that the CFPB investigate Experian for failing to comply with federal law and to ensure the fraudulent accounts are blocked permanently from my credit file.

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 2025-08-18 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:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: TN

Complaint narrative:
SECURITY CREDIT SERVIC is falsely reporting on my credit. I have never had any accounts with them. Per my research SECURITY CREDIT SERVIC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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:
I am formally contesting certain entries on my credit report representing accounts I did not authorize. Kindly perform an exhaustive review and remove them. Relevant materials have been provided.

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 2025-08-18 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XXXX XXXX Date : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-18 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: TX

Complaint narrative:
I faxed and mailed out Loan Discharge Application : Forgery and investigation is ongoing. XXXX is still sending me threatening collection 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 explanation
Consumer complaint received 2025-08-18 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: TX

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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