vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Mississippi XXXX XXXX XXXX XX/XX/XXXX To : XXXX  / Experian / XXXX Subject : Dispute of Unauthorized Hard Inquiries on XXXX Credit Report Dear XXXX  / Experian / XXXX, I am writing to formally dispute multiple unauthorized hard inquiries that appear on my credit report. I recently reviewed my credit report for the first time and discovered inquiries that I did not initiate or authorize. 

The only hard inquiries I have knowingly and explicitly authorized are those related to XXXX XXXX or any institution affiliated with XXXX. Any other inquiries made into my credit file are unauthorized and were made without my permission. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these inquiries be thoroughly investigated and removed from my credit report if they can not be verified as authorized by me. Please provide documentation that proves I gave written consent for each of these inquiries. 

I have enclosed a copy of my government-issued ID and a utility bill for identity verification. 

Please send me a written confirmation once the investigation is completed and the appropriate corrections are made. You XXXX also contact me if further information is needed. 
Also it is about XXXX different inquiries dating back to XXXX 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 2025-06-09 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: KS

Complaint narrative:
Hi there, I have been told by my XXXX XXXX  my information has been compromised in the XXXX data breach as well as XXXX and XXXX. 

I do not have accounts with XXXX or XXXX I do not do business with these entities

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 2025-06-08 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: AZ

Complaint narrative:
XXXX XXXX is attempting to collect a lease deposit debt on a rental property that I was forced to vacate due to serious and repeated habitability issues, including a roach infestation, mold, and excessive, unsafe noise levels. I notified the landlord and requested termination of the lease, but they refused despite their failure to provide habitable living conditions. 

What makes this worse is that XXXX billed me before the landlord even communicated any amount due or made any direct claim against me. XXXX acted without following proper process, essentially preempting the landlords legal and contractual obligations and denying me a chance to dispute or resolve the issue directly and it was shortly sent to another collection agency called XXXX XXXX  soon after. 

I have disputed this with the credit bureaus, clearly explaining the situatio, but XXXX continues to validate the debt, despite their own improper procedures and the underlying illegitimacy of the lease claim. 

This is a harmful and unfair collection practice. The lease deposit should never have been charged in the first place due to the landlords violation of basic tenant habitability laws.

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 2025-06-08 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: IL

Complaint narrative:
I've recieved a copy of my credit report and noticed several inaccuracies and unauthorized accounts/inofmration reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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:
b"I recently viewed my Consumer Report and noticed several Inaccuracies. ADRESSES THAT ARE NOT ASSOCIATED WITH ME; UNAUTHORIZED\nINQUIRIES, ACCOUNTS AND PUBLIC RECORDS INFORMATION THAT SHOULD NOT BE REPORTING ON MY CONSUMER REPORT.\nUNKNOWN ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Shouldn't be reporting on Transunion. U\nNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I submitted a dispute on approximately XX/XX/2025 regarding my consumer report, and was denied a proper investigation. I have resubmitted the documentation and is still being told every thirty days to submit a new dispute without a proper investigation. I have called in to Transunion and spoke with several incompetent SUPERVISORS from foreign countries that does not have a clue of what the FCRA LAWS are and how they are implemented or enforced. The lack of knowledge is embarrassing, and the rudeness is despicable. This situation has caused severe stress to an already stressful situation. At this time I am prepared to seek legal action against this Bureau if CFPB can not resolve this situation. I am beyond tired and I have been extremely patient but to speak with a supervisor and he has no knowledge of USC 1666 ( B ) OR SECTION 605 ( B ) is INSANE, and for him to be as disrespectful as he was and to hang the phone up on me due to his lack of knowledge is ABSURD. TRANSUNION is not ACCURATELY reporting on my report nor conduction investigations according to FCRA LAWS and GUIDELINES.

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 2025-06-08 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: MA

Complaint narrative:
Recently reviewed my credit report and noticed that fraudulent accounts. Can you please remove these accounts for my report because they are hurting my Ability to obtain credit, please delete promptly thank 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 2025-06-08 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: MA

Complaint narrative:
Recently reviewed my credit report and noticed that fraudulent accounts. Can you please remove these accounts for my report because they are hurting my Ability to obtain credit, please delete promptly thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted legally sufficient identity theft documentation to all three bureaus under FCRA 605B. These included a notarized affidavit, FTC report, highlighted XXXX  report dated XX/XX/XXXX, and proof of identity, all mailed via certified mail. Some accounts were removed selectively, but key violations remain. 

XXXX  dropped my score nearly XXXX points and failed to add the required consumer statement. TransUnion and XXXX  continue reporting unverifiable accounts, inaccurate names, and false public records.

I demand enforcement of FCRA 605Bs 4-day deletion requirement and XXXX  XXXX for unauthorized reporting and improper personal data use. Please reference my XX/XX/XXXX uploads. This is my final request before initiating arbitration and pro se legal action under FCRA 1681n and 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 2025-06-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
I disputed this debt due to the fact that I have no idea what this account is and I dud not authorize it. It was opened few years ago. They call me constantly over n over harrassing me. The credit bureaus finally approved the dispute and then they put the dept back on my credit a month ago just like tgat. I did not authorize this account it was probably my ex boyfriend years ago but he had no authority to do it under my name n social. I want this off my credit for good pls. I want the calls to stop. They have for a little big n then started up again recently. I have proof

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I hope all is well. The reason for my complaint is my account was positive {$200.00} and when my friend made a cash deposit in another state my balance became positive {$300.00}. My account was not ever negative on my end and when my friend made the deposit they told him at the bank cash deposit goes in right away there is not hold on cash. What brought my account negative is the overdraft fee of {$20.00} it made my account negative {$7.00} the next day it would have been positive balance of {$13.00} if it wasnt for the fee of {$20.00}. I had enough money in my account of {$300.00} for all my pending transactions. The {$20.00} fee should be reversed because my account was not ever negative what brought my account negative is the {$20.00} fee. Please look at my screen shots that are attached to this complaint. Thank you for your time. Have a wonderful day!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-09 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: CO

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 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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint because a consumer reporting agency has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ). After disputing inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a clear explanation of the reinvestigation process. Specifically, I asked for details regarding the steps taken to verify the disputed information, the name, address, and telephone number of the data furnisher, and any documentation used to justify the continued reporting of the item.

To date, the agency has not provided any of the requested information. This lack of disclosure violates the FCRAs requirements for transparency and accountability and raises serious concerns about the accuracy and integrity of the reinvestigation process. The agencys failure to comply may constitute willful or negligent violations under 15 U.S.C. 1681n and 1681o and may subject it to civil liability.

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 2025-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NE

Complaint narrative:
WHILE CHECKING MY PHONE I NOTICED A TEXT DEOM CASH APP THAT SAID XXXX TEXT WAS PAID XXXX FOR A SERVICE CALLED XXXX TEXT, I HAVE NEVER HEARD OF OR USED THAT SERVICE SO I CALLLED TO ASKABOUT THE TRANSACTION MADE AND THW REP FROM CASH APP REFUSED TO ANSWER OR PROVIDE ANY INSIGHT INTO THE PROBLEM THEN PROCEED TO HANG UP THE TELEPHONE TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally request the review and separation of credit records that XXXX have been associated with my newly issued Social Security XXXX ( XXXX ), which was assigned to me on XX/XX/XXXX. 

I recently obtained a copy of my Experian credit report dated XX/XX/XXXX, which clearly predates the issuance of my SSN. This means that any credit activity reported prior to the issuance of my XXXX could not have been opened using my Social Security XXXX. These accounts XXXX have been associated with my previous XXXX, but should not be merged automatically with my XXXX profile without proper verification. 

To ensure the accuracy and integrity of my credit history under the Fair Credit Reporting Act ( FCRA ), I respectfully request that you : Prevent the automatic linking of any XXXX credit history to my SSN. 

Remove or correct any information in my current credit file that predates the issuance of my SSN unless verified as having been opened specifically with my SSN. 

Confirm in writing the outcome of your reinvestigation and any actions taken.

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 2025-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/year> there was a transaction from XXXX XXXX to my Chime Bank account in the amount of {$400.00} to a XXXX XXXX. I did not authorize this transaction and I dont know this person. I filed a dispute through Chime and I also did two rebuttals with all the evidence I had and they came back each time saying that no error occurred and no money would be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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:
RE : Identity Theft Request for Immediate Removal of Fraudulent Addresses ( FCRA 605B / 15 U.S.C. 1681c-2 ) ] To Whom It May Concern, I am writing to formally notify you that I am a victim of identity theft and to demand the immediate deletion of several fraudulent addresses appearing on my credit report. These addresses were never associated with me, and I did not authorize their addition to my consumer file. The following Address IDs must be deleted immediately : Address ID : XXXX Address ID : XXXX Address ID : XXXX Address ID : XXXX I have reason to believe these addresses were added as a result of fraudulent activity tied to the misuse of my personal identifying information likely stemming from the Equifax data breach disclosed in 2017. These addresses are now being incorrectly linked to my identity and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

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 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 2025-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
I am filing this complaint regarding a collection account being reported by XXXX XXXX XXXX to the credit bureaus. The account in question is related to XXXX XXXX XXXX and is currently appearing on my XXXX  credit report with a reported balance of {$1500.00}, last updated on XX/XX/XXXX. 

This appears to be a medical-related collection, which is subject to stricter reporting requirements under the Fair Credit Reporting Act ( FCRA ) and recent updates to medical debt reporting policies implemented by the major credit bureaus as of XX/XX/XXXX. 

I submitted a formal dispute to XXXX XXXX XXXX requesting verification and documentation of the debt, including an itemized statement and proof of the debts validity, as required under 15 U.S. Code 1681i. Despite this, I have not received any proper response or documentation supporting the reporting of this account.

According to the FCRA, any debt that is not verified or can not be substantiated must be corrected or removed from my credit file. XXXX XXXX XXXX continues to report this debt without providing sufficient validation, which I believe is a violation of my rights as a consumer. 

This account is negatively affecting my credit score and my ability to qualify for necessary financial services. I believe XXXX XXXX XXXX  is not complying with FCRA requirements related to disputed debt and reinvestigation obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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:
Hello my name is XXXX XXXX XXXX who resides at XXXX XXXX XXXX Fl XXXX XXXX, Ny XXXX and i am composing this complaint because there are a few unauthorized accounts that are negatively reporting to my credit profile. I will be listing the accounts here. I've tried to settle this with all XXXX major credit agencies ( XXXX, EXPERIAN, XXXX  ) These reports do not belong to me and i did not provide my signature for them. I am asking for these to be deleted/removed from my credit profile as my score is hindered because of them. Please help. 

Accounts below : XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX A ) Account # XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX Account XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$240.00}

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