vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 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: CA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies are super stressful and are affecting my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent even my fault. I'm really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-03-14 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: NC

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX : {$1200.00} XXXX  XXXX Balance : {$5500.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX 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 2025-03-14 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:
I am formally reporting a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681, which mandates that credit reporting agencies take reasonable steps to ensure the accuracy and integrity of the information they report.

The inaccuracies in my credit report include incorrect account information, outdated information, etc. I have provided documentation supporting my claims to the credit bureaus, yet they have failed to rectify the errors or provide sufficient explanation for 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 2025-03-14 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN, XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX XXXX XXXX Amount XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, XXXX NC XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Amount XXXX Subject : Dispute of Negligent Non-Compliance - Case Number XXXX Dear Experian, Transunion, and Eqifax I hope this letter finds you well. I am writing in reference to the ongoing civil matter regarding case number XXXX. After a thorough review of the facts and circumstances surrounding this case, I am disputing the claim of negligent non-compliance and would like to formally raise my concerns. 

It has come to my attention that there are several aspects of the case in which there appears to be a failure to comply with the necessary regulations and responsibilities. Specifically, I would like to highlight the following points : 1.Failure to meet regulatory deadlines : On XXXX Equifax, Trans union , and Experian was required to submit documentation showing proof that my indentity was not stolen in accordance with purchases under my social security number. However, this deadline was missed without any prior notice or valid explanation. Despite repeated requests for updates on multiple cases, no action was taken to address or fulfill this requirement, demonstrating clear negligence in complying with the established procedures. 
On XX/XX/XXXX, I discovered that my personal information had been used without my consent, including numerous opened accounts from a furniture store i never went to, multiple phone stores and retails. Despite notifying all XXXX credit companies and providing all required documentation, there has been a lack of follow-up or action on their part. As a result, my identity continues to be misused, and I have not received any updates regarding the investigation or any steps taken to resolve this issue, demonstrating clear negligence in handling such a serious matter. 

I believe that these failures are a direct result of negligence, and I am requesting that this issue be thoroughly investigated. Given the seriousness of these actions and their potential impact, I respectfully ask that the responsible parties be held accountable for their non-compliance. 

Please let me know the next steps to move forward with addressing this dispute. I look forward to resolving this matter promptly. Should you need further documentation or clarification, I am available to provide whatever is required. 

Thank you for your attention to this matter. I trust that we can resolve this issue in a fair and timely manner. 

Sincerely, 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 2025-03-14 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:
Despite multiple disputes, I am filing a complaint against TransUnion for failing to remove unauthorized credit inquiries from my credit report. 

Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX accessed my credit report on XX/XX/year> without my knowledge, consent, or a permissible purpose, violating 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). I never applied for credit or authorized these companies to pull my credit report. 

TransUnions Failure to Investigate : I have disputed these inquiries multiple times, yet TransUnion has failed to conduct a proper investigation as required by 15 U.S.C. 1681i ( a ) ( 1 ). Instead of removing these fraudulent inquiries, TransUnion has allowed them to remain, harming my credit profile.

Violation of Federal Law : By failing to investigate and remove these inquiries, TransUnion is in violation of : 15 U.S.C. 1681b Restricts access to consumer credit reports to those with a permissible purpose.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Requires credit bureaus to conduct a reasonable reinvestigation of disputed items within 30 days. 

Requested Resolution : I demand that TransUnion immediately remove these unauthorized inquiries from my credit report and provide written confirmation.

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 2025-03-14 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: GA

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 explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Chime Financial Inc
State: AZ

Complaint narrative:
On XX/XX/XXXX I had a direct deposit go to my chime for the amount of {$6800.00} and by the time the fees of what I owed to my bank they took out what I owed and that left me with the balance of {$6100.00} so I transfered my available balance left to my savings and once I put transfer in my money just dissappeared and everything started showing my balance as XXXX dollars and it should of reflected my transfer amount of {$6100.00} in my savings account and I been going back and forth with Chime on this about where my money is and yet they keep giving me different information and saying it will be resolved and I will see it back in my account in 24 hours but it's passed that and still nothing. I am not okay with how this is being taking care of. I have the proof and screenshots of everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I am requesting the removal of these accounts and inquires that are unauthorized from my credit report. Down below I have listed the inquires and charges that have been inaccurately reported on my credit report. Also for the removal of the inaccurate information on my personal information. 


1. XXXX - XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX XXXX. XXXX - XXXX XXXX Date opened XX/XX/XXXX XXXX. XXXX - XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I am requesting the removal of these accounts and inquires that are unauthorized from my credit report. Down below I have listed the inquires and charges that have been inaccurately reported on my credit report. Also for the removal of the inaccurate information on my personal information. 


XXXX. XXXX - XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX XXXX. XXXX - XXXX XXXX Date opened XX/XX/XXXX XXXX. XXXX - XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX XXXXXXXX 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 2025-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Illinois XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Dispute of Information Related to Identity Theft XXXXXXXX XXXX XXXX Dear XXXX XXXX credit bureau I am writing to formally dispute inaccurate information appearing on my credit report that is a direct result of identity theft and trafficking. As a victim of XXXX XXXX my personal information was illicitly used without my consent, and fraudulent accounts or activities have been erroneously linked to my name. I am requesting an immediate investigation of the items in question, as well as the removal of all fraudulent entries from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate any inaccuracies or fraudulent entries on my credit report, including those stemming from identity theft. In accordance with the law, I request the following actions be taken : 1. Immediate removal of all fraudulent accounts or entries related to XXXXXXXX XXXX or identity theft.

2. A thorough investigation into the accounts or debts that may have been falsely attributed to my name.

3. A report of the results of your investigation.

As a victim of trafficking, I am aware of the legal protections available to me under the Trafficking Victims Protection Act ( TVPA ), and I assert that any fraudulent activity linked to my identity falls under this scope of exploitation. Enclosed, I have provided a copy of my police report and any other necessary documentation to facilitate this dispute. Please note that any further delay in rectifying this situation is an infringement on my legal rights.

I expect a response within the statutory 30-day period required by the Fair Credit Reporting Act. Should I not receive a timely response, I will consider escalating this matter to the appropriate regulatory authorities, including the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my states attorney general.

Please treat this matter with the urgency it warrants, as it is a direct violation of my legal rights. 

Thank you for your prompt attention to this issue. 

Sincerely, XXXX an XXXX XX/XX/XXXX Social XXXX -- - This letter references the relevant laws and legal terms, including the Fair Credit Reporting Act ( FCRA ) and the Trafficking Victims Protection Act ( TVPA ), to clearly indicate the nature of your dispute. You can adjust any specific details, such as the inclusion of your SSN or supporting documentation, based on your circumstances. 

Remove inaccurate files on report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: IL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: FL

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX  Bankruptcy Discharged Date Filed/Reported : XX/XX/year> Reference # : XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$2200.00} XXXX  XXXX Balance : {$2200.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX XXXX  XXXX, FL 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 2025-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-03-14 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) That you, The TransUnion 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. This fraudulent, inaccurate, and false information consist of a personal credit card opened at XXXX XXXX on XX/XX/year> under the account number XXXX, XXXX XXXX on XX/XX/year> under the account number XXXX, XXXX XXXX on XX/XX/year> under the account number XXXX, XXXX XXXX opened XX/XX/year> under account number XXXX, XXXX XXXX opened on XX/XX/year> under account number XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the collections in question as well as a copy of the consumer FICO credit report maintained by you wnich shows the atorementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts and collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquines are the 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 non-monetary relief
Consumer complaint received 2025-03-14 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: PA

Complaint narrative:
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. This fraudulent, inaccurate, and false information consist of a personal credit card opened at XXXX XXXX on XX/XX/year> under the account number XXXX, XXXX XXXX on XX/XX/year> under the account number XXXX, XXXX XXXX on XX/XX/year> under the account number XXXX, XXXX XXXX opened XX/XX/year> under account number XXXX, XXXX XXXX opened on XX/XX/year> under account number XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the collections in question as well as a copy of the consumer FICO credit report maintained by you wnich shows the atorementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts and collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquines are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) That you, The XXXX credit XXXXeporting 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. This fraudulent, inaccurate, and false information consist of a personal credit card opened at XXXX XXXXXXXX on XX/XX/year> under the account number XXXX, XXXX XXXX on XX/XX/year> under the account number XXXX, XXXX XXXX on XX/XX/year> under the account number XXXX, XXXX XXXX opened XX/XX/year> under account number XXXX, XXXX XXXX opened on XX/XX/year> under account number XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the collections in question as well as a copy of the consumer FICO credit report maintained by you wnich shows the atorementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts and collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquines are the 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