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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( 3 ACCOUNTS ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries 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 card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I recently reviewd my credit card statement and noticed multiple unatuthorized charges from XXXX XXXX, totaling {$1800.00}. I want to clarigy that there are no XXXX locations near me in California, expecially not in the XXXX XXXX where I live. 

As soon as I noticed the charges, I contacted Citi bank team to report the issue and had my card canceled. Areplacement card was issued to me shortly after. Despite not taking any action that would compromise my card. It appears I was still a victim of Fraud. 

However, I just received a notice that th fraud case has been closed, and the {$1800.00} charge remains, I would like to request a re investivation of this case, as I did not authorized any of these transactions. 

Thank you for your time and assistance.

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 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: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Chargeoff XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Chargeoff XXXX  XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX  XXXX Bankcruptcy Date Reported : XXXX - Public Record

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: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: NV

Complaint narrative:
I tried to transfer {$16000.00} in crypto to one of my wallet address on XXXX  and XXXX froze my account. I've provided all requested documents yet received no communication or updates from them.

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 information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This whole situation has been incredibly stressful. Ive been doing everything right on my end, but my report is still dragging me down because of info that isnt even accurate. Ive been turned away from things that really mattered, and its frustrating to keep explaining myself over something that shouldnt be there in the first place.

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 — 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 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 2025-04-18 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: FL

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXXXXXX formerly known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN # : XXXX XXXX : XX/XX/year>XXXX  Dear Equifax , TransUnion and Experian : I want you be aware that Im terribly upset after finding out that my Equifax , TransUnion and Experian report shows a series of erroneous items. Your mistakes & incapacity to use accurate reporting practices has caused me to be denied after applying for new credit lines & is ruining my financial stability. This is unacceptable & youre obligated by law not only to correct what is erroneously reported, but also to remove what should not be in my credit report. Time is an important matter to me, so please allow yourself time to investigate each & every one of the items listed below & get my report corrected in the following 30 days mandated by law! Pursuant to 15 USC 1681i of the Fair Credit Reporting Act ( FCRA ) ; I demand that the items mentioned in this dispute letter be verified & deleted from my Credit Report. 
Below you will find a list of the items that I am disputing ( 15 USC 1681i ( a ) ( 1 ) ( A ) FCRA ) : XXXX- lates reported, I have always made every payment on time prior to this account being paid in full.

XXXX XXXX XXXX XXXX I was never late on any payment to this merchant. 
XXXX XXXX I was never late paying this, the owner sold me a dysfunctional system and agreed to remove any delinquency off my credit report since they system was defaulted and unable to use, therefore a full payment was made to settle the account. 
XXXX XXXX I closed this account because I no longer needed the services, prior to closure there were never any late payments. 
XXXX XXXX XXXX XXXX XXXX explained above under XXXX ; never late. 
XXXX XXXX- this account does not belong to me. I have never had a XXXX XXXX account. 
XXXX- this account does not belong to me. I have never had a XXXX account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Hello, and Good Day to you. I'm reaching out in attempt of rectifying this matter for the above account. I noticed that this account was charged off and you claimed a profit loss with the IRS. I'd like to file this account on my taxes and I've never received the 1099-c. Please send this immediately to my current address on file. The ( XXXX XXXX ) address will suffice. Thanks in advance.... 

Also I'd like to know the date of first delinquency according to your records

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint against XXXX concerning a late payment reported on my credit report. In an effort to resolve this issue, I contacted XXXX customer service to inquire about the alleged late payment. The representative informed me that all my payments were on time and that they could not locate any late payment on my account. 

Subsequently, I received a response from XXXX stating that they are not a mortgage company and suggesting that I may have mistaken them for another entity. This response contradicts the information on my credit report, which indicates a late payment from XXXX. 

I have made multiple attempts to resolve this discrepancy directly with XXXX, but the conflicting information and lack of resolution have prompted me to seek assistance from the CFPB.

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 information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint against XXXX concerning a late payment reported on my credit report. In an effort to resolve this issue, I contacted XXXX customer service to inquire about the alleged late payment. The representative informed me that all my payments were on time and that they could not locate any late payment on my account. 

Subsequently, I received a response from XXXX stating that they are not a mortgage company and suggesting that I may have mistaken them for another entity. This response contradicts the information on my credit report, which indicates a late payment from XXXX. 

I have made multiple attempts to resolve this discrepancy directly with XXXX, but the conflicting information and lack of resolution have prompted me to seek assistance from the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-19 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 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 information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has continued to incorrectly report a collections account ( XXXX  XXXX ) on my credit report, despite this debt being fully paid off, and several disputes in which I have included a " debt paid in full '' letter. 

Again I have disputed this several times to no avail. I have called Equifax directly only to be hung up on multiple times. 

The 2 other credit beaureus are not reporting this data, and Equifax has continued to incorrectly report for over a year.

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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally request the immediate removal of unauthorized hard inquiries from my credit report, which I believe were reported without my consent and as a result of a data breach in 2015 that compromised my Social Security Number, date of birth, address, and other personal information.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., consumers have the right to dispute inaccurate or unauthorized information on their credit reports. Specifically, Section 1681i provides the procedure for consumers to dispute and have inaccurate or unverifiable information removed from their reports.

Furthermore, the XXXX  data breach exposed my personally identifiable information, and any subsequent inquiries arising from that breach or without my explicit authorization are not valid under federal law. I did not authorize these inquiries, and they are damaging my creditworthiness and report integrity. 

Based on these grounds, I am requesting that Experian : 1. Investigate the disputed inquiries ( s ) listed below ( please specify the inquiries if known ).

2. Remove any inquiries that are found to be unauthorized, inaccurate, or resulting from the XXXX breach.

3. Provide me with written confirmation of the removal or correction of these inquiries within the time frame mandated by law, typically 30 days. 

Please consider this letter a formal dispute under the FCRA, and I request that you cease reporting any unauthorized inquiries immediately. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that the disputed inquiries have been removed from my credit report.

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: MI

Complaint narrative:
After checking my credit report I found several unauthorized inquiries. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are unauthorized inquiries. I never did any business with those companies. They are all from identity theft.

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: Improper use of your report — Reporting company used your report improperly
Company: Penn Credit Corporation
State: MI

Complaint narrative:
Penn Credit continues to report a collection account on my credit report without providing proper validation. I submitted a formal debt validation request in XX/XX/, and they failed to provide adequate documentation proving the debt is valid, that they own it, or that they have the legal right to collect it, as of XX/XX/. I have not received any signed agreement, chain of title, or full billing statements. Per FDCPA & FCRA, unverifiable accounts must be deleted. Therefore, I am requesting the immediate deletion of this account and its information due to lack of lawful validation and the harm caused to my credit profile and financial opportunities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX * * * * These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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