vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-04-28 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: WI

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
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 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 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 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 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 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 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 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 2025-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I recently obtained a copy of my credit report, and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Acts, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law, to protect my privacy and medical records from third parties. I do not recall giving permission for any medical facility to release my medical information to a third party. I am aware that HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows.

Validation of Debt and HIPAA Authorization Please provide a breakdown of fees including any collection costs and medical charges Provide a copy of my signature with the provider of service to release my medical information to you Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after written request. I request full documentation of what you received from the provider of service in connection with the alleged debt. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected sought damages will be sought after. 

All accounts in dispute listed below : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-28 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. These are not transactions conducted by me as a consumer. PLEASE SEE ATTACHED DOCUMENTS BELOW!

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 2025-04-28 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: NV

Complaint narrative:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Under 15 U.S.C. 1681e ( b ), credit reporting agencies are legally required to maintain maximum possible accuracy of the information included in consumer reports. Inaccurate personal identifiers, such as incorrect names, create misleading and incomplete consumer files, which can cause serious harm. 

Here is the only correct, full legal name, address and employment that should appear on my credit report : XXXX XXXX XXXX Please immediately remove all the following inaccurate, outdated, or incorrect names from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These name variations are not associated with my identity, and their continued presence on my consumer report represents inaccurate reporting in violation of the FCRA.

In addition, pursuant to 15 U.S.C. 1681i, I am requesting that you conduct a reasonable reinvestigation of this dispute and provide written confirmation upon completion, including an updated copy of my full consumer file reflecting these corrections. 
If you are unable to verify the accuracy of any name variation with documented evidence linking it to me directly, you are required under the FCRA to delete the unverifiable information from my 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 2025-04-28 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:
Hello, I'm writing to urgently address a serious issue with my credit report. I've noticed that my personal information is incorrect, which has led to unknown and fraudulent accounts appearing on my file. I have been a victim of identity theft, and my information was used without my knowledge or consent. Following Experians instructions, I filed a report with the FTC and submitted all the necessary documentation. Despite this, the fraudulent accounts still remain on my credit report, causing unnecessary harm and ongoing stress.

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 2025-04-28 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: NY

Complaint narrative:
I checked out my credit profile and noticed there were some hard inquiries that are not mine.

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 2025-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: MA

Complaint narrative:
Robinhood is deceiving customers On XX/XX/XXXX I sent XXXX dollars of XXXX crypto corruency to my own wallet so I owned the keys. At XXXX XXXX I made the transaction. I successfully sent it to my own wallet. Within hours they deactivated my ability to send or receive funds citing they can not disclose the reason. Even said it was a business decision not a customer decision. I do not know what rule I broke when they will not disclose whatever reason led to them freezing sending and recieiving transactions. 

They refuse to disclose any info and provide any info. They advertise this as a feature but can deactivate it at any time? Its deceptive bait and switch tactics and I would never have used the service if this was clearly stated and what is and isnt allowed, but right now it seems to be a system of we want control of your crypto or you can not use our service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XX/XX/year> XXXX : Dispute of Inaccurate Information in Credit Report Pursuant to 15 U.S.C. 1681e ( b ) Dear Representative, The items I am disputing is as follows : Creditor Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The information reported is inaccurate.

Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. The continued reporting of inaccurate information after being notified constitutes a violation of the FCRA. Please remove these items from the credit reporting agencys as the information is not correct. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: SC

Complaint narrative:
I am writing you about the compromising of my social security number. I am a victim of Identity Theft due to the XXXX  Data breach. I contacted the Federal Trade Commission and filed a complaint # XXXX. 
The information listed below, which appears on my Experian credit report, does not relate to any inquires that I have made or accounts I have opened. It is the result of identity theft. 
1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> and remove from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XXXX/XXXX/XXXX  XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized 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 2025-04-28 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 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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: AR

Complaint narrative:
In XX/XX/year>, I discovered that LexisNexis Risk Solutions was reporting a bankruptcy on my consumer file that I never filed, authorized, or was involved in. This inaccurate public record is entirely false and has severely damaged my credit profile. On XX/XX/year>, I submitted a formal written dispute to LexisNexis, requesting documentation that could verify the accuracy of the bankruptcy, including the original source and date it was obtained. 

To confirm the legitimacy of this data, I also contacted the U.S. Bankruptcy Court for the XXXX XXXX XXXX XXXX jurisdiction listed in the record. I received a direct written response from the Clerks Office confirming that their court does not provide or transmit bankruptcy information to LexisNexis or any credit reporting agency. This proves that LexisNexis has either fabricated the source or relied on an illegitimate or unauthorized third partyboth serious violations of the Fair Credit Reporting Act ( FCRA ). 

Despite being given this information, LexisNexis has failed to remove the false record, has not provided any documentation supporting the entry, and has not fulfilled their legal obligation to conduct a reasonable investigation. Because of this false bankruptcy, I have been denied multiple credit card applications, refused the ability to refinance my car loan at a better interest rate, and I am currently unable to proceed with securing a home loan. This has had a profound effect not only on my financial progress but on my personal life and future plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I contacted Chase about my XXXX XXXX XXXX card ending in XXXX. 
I asked if XXXX XXXX was a service reimbursed by this card, as had been the case with my Chase Sapphire XXXX card. The agent confirmed over the phone that it was, and I was instructed to purchase the service with the XXXX  card, and that it would then be reimbursed. To be sure, I then repeated the requested confirmation that I would be reimbursed the significant {$120.00} fee for the service, and the agent confirmed a second time it would indeed be reimbursed as long as I used the Chase XXXX  card to purchase. I then did as instructed. I was then told that the card did not have that benefit. I complained and asked for supervisor. The supervisor confirmed that the conversation happened at the time and date I reported, and that they had a recording of the conversation, and that the incorrect information had been given, but weren't willing to reimburse the fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
Company : CREDIT COLLECTION SERVICES Date : XXXX. XXXX, 2025 Amount : {$480.00} Actions Taken : I sent a dispute letter and they did not respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BCG Equities, LLC
State: OH

Complaint narrative:
I have tried to contact BCG Equities with no luck being as i do not have a phone number for them to contact them They sued me without sending out a demand letter and is now garnishing my wages without any notice at all. I have not ever heard of this company before. I never knew i was being sued or anything. I found out about wage garnishment through my employer. They are garnishing {$170.00} out of my paycheck a week until the debt of almost {$1900.00} is paid off. I do not know anything else in regards to who the debt is owed or the original debt amount or nor was i given an opportunity to settle this debt outside of court because they must have started legal proceedings as soon as they bought the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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:
A dispute was submitted last month to the credit bureaus regarding the account XXXX XXXX XXXX XXXX, which is being inaccurately reported under my name. I am formally notifying you that this is not my account. My personal information has been used without my consent in connection with fraudulent activity, and I am demanding that an investigation be conducted in accordance with 18 U.S.C. 1028A, which makes it a federal crime to knowingly use, transfer, or possess someone else 's identification to commit a felony. XXXX XXXX  XXXX is currently reporting XXXX  as the original creditor ; however, I have never held an account with this company nor do I even know what XXXX  is. This information was included in my prior dispute, which Ive reattached for your reference. You were also informed that my identity was previously stolen and that a police report was filed with XXXX XXXX, resulting in the IRS requiring me to use an Identity Protection PIN for tax purposes moving forward. If additional confirmation is needed, you may contact the XXXX Police Department. I am under no legal obligation to prove that an unauthorized account is not mine the burden of proof lies with the furnisher to validate the debt. While your investigation is ongoing, I am demanding the immediate deletion of this account from my credit report, as it is not my debt. I have also attached a copy of my FTC Identity Theft Report to support this 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 explanation
Consumer complaint received 2025-04-28 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: TX

Complaint narrative:
A dispute was submitted last month to the credit bureaus regarding the account XXXX XXXX XXXX XXXXXXXX, which is being inaccurately reported under my name. I am formally notifying you that this is not my account. My personal information has been used without my consent in connection with fraudulent activity, and I am demanding that an investigation be conducted in accordance with 18 U.S.C. 1028A, which makes it a federal crime to knowingly use, transfer, or possess someone else 's identification to commit a felony. XXXX XXXX  XXXX is currently reporting XXXX  as the original creditor ; however, I have never held an account with this company nor do I even know what XXXX  is. This information was included in my prior dispute, which Ive reattached for your reference. You were also informed that my identity was previously stolen and that a police report was filed with XXXX XXXX, resulting in the IRS requiring me to use an Identity Protection PIN for tax purposes moving forward. If additional confirmation is needed, you may contact the XXXX Police Department. I am under no legal obligation to prove that an unauthorized account is not mine the burden of proof lies with the furnisher to validate the debt. While your investigation is ongoing, I am demanding the immediate deletion of this account from my credit report, as it is not my debt. I have also attached a copy of my FTC Identity Theft Report to support this request.

Company response to consumer: Closed with explanation