vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-04-21 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: UT

Complaint narrative:
I recently found a credit inquiry on my report that I dont recognize. I did not apply with this company or authorize any credit check. This unrecognized activity is troubling and raises serious concerns.

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 2025-04-21 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: IL

Complaint narrative:
Consumer Statement : I am submitting this complaint to request the immediate investigation and removal of inaccurate and unauthorized accounts appearing on my credit report. The following accounts are not mine and were added without my knowledge or consent : XXXX XXXX Opened on XX/XX/XXXX XXXX-Opened on XX/XX/XXXX XXXX XXXX XXXX-Opened XX/XX/XXXX I have never opened or authorized these accounts, and I believe they may be the result of identity theft or a reporting error. I have contacted the credit reporting agencies and the data furnishers directly to dispute these entries. Despite this, the accounts remain on my credit report and continue to negatively affect my credit score and financial reputation. 

I am requesting that the CFPB assist in ensuring that the credit bureaus and the furnishers comply with the Fair Credit Reporting Act ( FCRA ) by conducting a complete and timely investigation and removing these inaccurate accounts from my file. 

Please find attached my dispute letters, responses ( if any ), and any supporting documentation I have provided in previous communications. 

Thank you for your attention to this urgent 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 2025-04-21 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: IL

Complaint narrative:
Consumer Statement : I am submitting this complaint to request the immediate investigation and removal of inaccurate and unauthorized accounts appearing on my credit report. The following accounts are not mine and were added without my knowledge or consent : XXXX XXXX Opened on XX/XX/XXXX XXXX-Opened on XX/XX/XXXX XXXX XXXX XXXX-Opened XX/XX/XXXX I have never opened or authorized these accounts, and I believe they may be the result of identity theft or a reporting error. I have contacted the credit reporting agencies and the data furnishers directly to dispute these entries. Despite this, the accounts remain on my credit report and continue to negatively affect my credit score and financial reputation. 

I am requesting that the CFPB assist in ensuring that the credit bureaus and the furnishers comply with the Fair Credit Reporting Act ( FCRA ) by conducting a complete and timely investigation and removing these inaccurate accounts from my file. 

Please find attached my dispute letters, responses ( if any ), and any supporting documentation I have provided in previous communications. 

Thank you for your attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: OH

Complaint narrative:
I am filing a complaint under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 and 1681i. A collection account on my credit report is inaccurate, and after I disputed it, the reporting party failed to properly investigate or correct the error. This is affecting my creditworthiness and violates my rights under federal law. '' 15 U.S.C. 1681i If you dispute an account, the credit reporting agency must investigate within 30 days and correct or delete inaccurate info.

15 U.S.C. 1681s-2 ( a ) Debt collectors must report accurate information. If a collector reports false or outdated info ( e.g., a paid collection still showing as unpaid ), it may violate this section.

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: GA

Complaint narrative:
XX/XX/XXXX my credit score dropped -176 points because of 90 days late on student loans but they aint give me no update when Biden stopped the forbearance and that messed me up so Im really trying to take the negative mark off my credit please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
I received a check and asked the bank to tell me how long the check was going to be on hold. I was told 4 days. The funds were released the next day. I sent the funds and then the person 's check was fraudulent and sent back. I am now withdrawn for that check amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: LA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2025-04-21 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: LA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-04-21 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-21 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:
Dear Eqifax, Experian, Transunion, im writting to formally dispute again under FCRA XXXX as these XXXX accounts attached to this FTC report have been reinserted illegally back onto my consumer credit report. This reassertion is not premitted unless the furniture certifies the information is accurate and is not the result of identity theft, and I am provided written notice as least XXXX business days before the information is reinserted. FCRA 15 U.S.C. 1681 ( d ) ( 2 ) ( a ) ( i ) Definitions rules of construction exclusions!

I was never given the opportunity to opt out as consumer law says! 15 U.S.C 6801 says that these financial institutions and suppose to protect my personal information continuously confidentiality meanning they dont even got the rights to report my information when i didnt give them permission for it to be reported as in the conclusion section says it's against the law. 15 U.S.C. 6802 & 6804 A, B.C! | wassnt given the oppertunity to exercise non disclose. Please block, remove

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been trying to clear out the information that's been attached to my name and information that is completely incorrect I just want my first and last name email address one address Instead, I have multiple inaccura

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been trying to clear out the information that's been attached to my name and information that is completely incorrect I just want my first and last name email address one address Instead, I have multiple inaccura

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 2025-04-21 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-21 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
This account shows as charged/written off on my credit reports, however I never received a 1099c.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
Seeing multiple inquiries from your company on my credit report has been frustrating and confusing, especially since I never applied for anything with you.

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 2025-04-21 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: TX

Complaint narrative:
I was utterly shocked XXXX devastated upon discovering unauthorized accounts, credit inquiries XXXX inaccurate personal information made or reported without my knowledge or consent. Despite my efforts XXXX seek clarification from the creditors, they have shamefully failed XXXX  provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account XXXX inquiry, including dates, purposes, XXXX types of credit products involved, furnish relevant application documents, XXXX present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-21 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: TX

Complaint narrative:
I was utterly shocked XXXX devastated upon discovering unauthorized accounts, credit inquiries XXXX inaccurate personal information made or reported without my knowledge or consent. Despite my efforts XXXX seek clarification from the creditors, they have shamefully failed XXXX  provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account XXXX inquiry, including dates, purposes, XXXX types of credit products involved, furnish relevant application documents, XXXX 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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Equifax block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

DEPT OF ED - Opened XX/XX/XXXX With a balance of {$3800.00} Account number XXXX DEPT OF ED - Opened XX/XX/XXXX With a balance of {$6900.00} Account number XXXX XXXX XXXX  - Opened XX/XX/XXXX With a balance of {$1000.00} Account number XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of {$1400.00} Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX With a balance of {$16000.00} Account number XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX With a balance of {$0.00} Account number XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: CA

Complaint narrative:
Dear Eqifax, Experian, Transunion, im writting to formally dispute again under FCRA XXXX as these XXXX accounts attached to this FTC report have been reinserted illegally back onto my consumer credit report. This reassertion is not premitted unless the furniture certifies the information is accurate and is not the result of identity theft, and I am provided written notice as least XXXX business days before the information is reinserted. FCRA 15 U.S.C. 1681 ( d ) ( 2 ) ( a ) ( i ) Definitions rules of construction exclusions!

I was never given the opportunity to opt out as consumer law says! 15 U.S.C 6801 says that these financial institutions and suppose to protect my personal information continuously confidentiality meanning they dont even got the rights to report my information when i didnt give them permission for it to be reported as in the conclusion section says it's against the law. 15 U.S.C. 6802 & 6804 A, B.C! | wassnt given the oppertunity to exercise non disclose. Please block, remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: CA

Complaint narrative:
Dear Eqifax, Experian, Transunion, im writting to formally dispute again under FCRA XXXX as these XXXX accounts attached to this FTC report have been reinserted illegally back onto my consumer credit report. This reassertion is not premitted unless the furniture certifies the information is accurate and is not the result of identity theft, and I am provided written notice as least XXXX business days before the information is reinserted. FCRA 15 U.S.C. 1681 ( d ) ( 2 ) ( a ) ( i ) Definitions rules of construction exclusions!

I was never given the opportunity to opt out as consumer law says! 15 U.S.C 6801 says that these financial institutions and suppose to protect my personal information continuously confidentiality meanning they dont even got the rights to report my information when i didnt give them permission for it to be reported as in the conclusion section says it's against the law. 15 U.S.C. 6802 & 6804 A, B.C! | wassnt given the oppertunity to exercise non disclose. Please block, remove

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 2025-04-21 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: CA

Complaint narrative:
My equifax account online has been blocked and I am not able to dispute my credit report. After calling there customer support 12 times each time call lasted one hour. Send them my social security card and driving license they refer case technical support. Technical never reaches back nor solves my problem. Imagine spending 12 hours for dispute and my score dropped XXXX points

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: AR

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
b'Scammer phone number XXXX XXXX XXXX has all my info including ss number .... trying to convince me there is a judgement and I would need to pay them or suffer more loss'

Company response to consumer: Closed with explanation