vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 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: MI

Complaint narrative:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX Balance {$830.00} XXXX XXXX Balance {$590.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$660.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$340.00} XXXX XXXX Balance {$250.00} XXXX XXXX Bankruptcy XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$1200.00} XXXX & XXXX XXXX Balance {$1000.00} XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$4000.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$860.00} XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance {$1000.00} XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-03-20 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: GA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: GA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNT/S : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/year>

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 2025-03-20 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: MO

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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: TX

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 2025-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Superior Holdings, LLC
State: OH

Complaint narrative:
Breach of Contract Loan or financing agreement, should specify contract payments after Superior Auto issued a business check directly to the repair shop XXXX XXXX XXXX XXXX to cover repairs they increased my finance loan agreement which is a breach of contract and law violation. 

Action was not permittable Unfair or Deceptive Acts and Practices ( UDAP ) 15 U.S.C. 45 Finance company misrepresented the validity, usability, or processing time of the business check, this is considered an unfair or deceptive business practice under the Federal Trade Commission Act ( FTCA ), 15 U.S.C. 45. Truth in Lending Act ( TILA ) 15 U.S.C. 1601 et seq. The TILA requires finance companies to clearly disclose loan terms, fees, and payment structures. Issuing a business check created undisclosed fees, processing delays, or financial hardship, TILA violation. Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801-6827 The check issuance violated privacy rights or disclosed my financial details to third parties without consent, a violation of the GLBA, which governs financial transactions and consumer data privacy. 

Failure to Properly Disburse Loan Funds 12 U.S.C. 5531 Under the Consumer Financial Protection Act ( CFPA ), lenders must properly disburse funds as agreed upon. Issuing a business check instead of direct payment is to be considered an unfair, deceptive, or abusive act or practice ( UDAAP ) under 12 U.S.C. 5531.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: LA

Complaint narrative:
The date XXXX appears to be a future date ( XX/XX/year> ). This is impossible and indicates a reporting error or a system glitch. Credit reports should not include future-dated information because it is not valid or accurate. XXXX. Conflicting Alerts The report mentions multiple alerts, such as : " INITIAL FRAUD ALERT '' " ID SECURITY ALERT '' " FRAUD VICTIM '' " XXXX XXXX ALERT '' The use of " XXXX XXXX XXXX XXXX '' is unclear and does not follow standard credit reporting formats. It may be a system code, but it is meaningless to consumers and could indicate a reporting issue. The phrasing INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT is vague and lacks clarity. It should specify what action needs to be taken and by whom. The statement PLEASE BLOCK AND REMOVE ALL INACCURACY FROM REPORT DUE TO IDENTITY THEFT is vague and does not specify which accounts or items on the report are inaccurate. Credit reporting agencies require specific details about the accounts or entries you are disputing in order to take action. 

XXXX. XXXXFair Credit Reporting Act ( FCRA ) XXXX Inaccurate reporting, failure to investigate disputes, failure to place or maintain fraud alerts. 
XXXX. **Identity Theft and Assumption Deterrence Act ( XXXX ) ** Fraudulent use of your identity, failure to block fraudulent information. 
XXXX. **Fair and Accurate Credit Transactions Act ( XXXX ) ** Failure to prevent identity theft, failure to place fraud alerts. 
XXXX. **Gramm-Leach-Bliley Act ( XXXX  ) ** Failure to protect personal information. 
XXXX. XXXXConsumer Financial Protection Act ( XXXX ) ** Unfair or deceptive practices by credit bureaus. 
XXXX. **State Laws** Failure to comply with state-specific credit reporting or identity theft protections. 
XXXX. **FTC Act** Deceptive or unfair practices in reporting or addressing identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: LA

Complaint narrative:
The date XXXX appears to be a future date ( XX/XX/year> ). This is impossible and indicates a reporting error or a system glitch. Credit reports should not include future-dated information because it is not valid or accurate. XXXX. Conflicting Alerts The report mentions multiple alerts, such as : " INITIAL FRAUD ALERT '' " ID SECURITY ALERT '' " FRAUD VICTIM '' " XXXX XXXX ALERT '' The use of " XXXX XXXX XXXX XXXX '' is unclear and does not follow standard credit reporting formats. It may be a system code, but it is meaningless to consumers and could indicate a reporting issue. The phrasing INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT is vague and lacks clarity. It should specify what action needs to be taken and by whom. The statement PLEASE BLOCK AND REMOVE ALL INACCURACY FROM REPORT DUE TO IDENTITY THEFT is vague and does not specify which accounts or items on the report are inaccurate. Credit reporting agencies require specific details about the accounts or entries you are disputing in order to take action. 

XXXX. XXXXFair Credit Reporting Act ( FCRA ) XXXX Inaccurate reporting, failure to investigate disputes, failure to place or maintain fraud alerts. 
XXXX. **Identity Theft and Assumption Deterrence Act ( XXXX ) ** Fraudulent use of your identity, failure to block fraudulent information. 
XXXX. **Fair and Accurate Credit Transactions Act ( XXXX ) ** Failure to prevent identity theft, failure to place fraud alerts. 
XXXX. **Gramm-Leach-Bliley Act ( XXXX  ) ** Failure to protect personal information. 
XXXX. XXXXConsumer Financial Protection Act ( XXXX ) ** Unfair or deceptive practices by credit bureaus. 
XXXX. **State Laws** Failure to comply with state-specific credit reporting or identity theft protections. 
XXXX. **FTC Act** Deceptive or unfair practices in reporting or addressing 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 2025-03-20 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: MI

Complaint narrative:
I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$160.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance {$1900.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$160.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX IN. XXXX ) XXXX Balance {$2300.00} XXXX XXXX XXXX XXXX Balance {$400.00} XXXX XXXXXX/XX/year>

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 2025-03-20 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: NJ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of XXXX XXXX and would like for all listed items to be blocked and deleted company information from TransUnion. 

Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK

Complaint narrative:
I had an item stolen at a concert, I bought merchandise that was {$40.00} on XX/XX/year> and I called my credit card company XXXX XXXX who redirected me to XXXX XXXX XXXX XXXX for XXXX XXXX, and in the benefits package XXXX of the stipulations is that all members ( paying members annual fee ) have Purchase Protection which gives you 90 days after an item was stolen. Now considering it was only XXXX $ and I had called the day after, I assumed this wouldve been an easy and simple request. Firstly they filed my name wrong and didnt even bother to ask if everything was spelled correctly waited for a week with no response after my first initial claim was submitted and so I called back and had a hard time finding my claim because my last name is XXXX not XXXX XXXX After that I was specifically told over the phone and by email that I would only need to provide XXXX items for the claims department to be able to process my submission, which was a picture of the item that was stolen? And the statement where the charge showed it was on the master card. After my submission I dont hear back for another week so I follow up with them and they send back a new email saying I still need, - Itemized charge receipt. 
-The Billing statement supporting the purchase of the item including the last XXXX of the card number associated with your claim.

-Confirmation of delivery.

-Police Report.

-Evidence that the Covered Purchase has actually been replaced ; Please note : Coverage limitations : Coverage is limited to the lesser of the following amounts per claim : The actual cost of the Covered Purchase charged to your Covered Card So I emailed back complaining and frustrated because now Im being blindsided by this company who offer a service they dont even trust their members to give? Like it is XXXX XXXX So after that another week of radio silence no email clarifying anything just another email a week later saying my claim was denied. I sent screenshots to them and showed them that they asked for 2 documents. Now they want me to put in all this extra work when Im the one whos loosing in all of this. Why even have purchase protection if they cant even protect XXXX $ like its XXXX $ why would I go to the police? Now I have no shirt or 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 2025-03-20 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: NC

Complaint narrative:
XXXX XXXX  - XXXX I am submitting a formal dispute regarding late payment entries reported within the past two years on my credit file. These late payments resulted from unauthorized interference with my financial accounts due to a cybersecurity breach on my mobile device. As they are not a reflection of my financial behavior, I am requesting their immediate removal.

Issue Summary : I unknowingly downloaded a VPN application on my mobile device. This VPN, intended for privacy protection, contained security vulnerabilities that allowed unauthorized users to access my device. As a result : Unknown third parties gained access to my financial login credentials.

My automatic payment settings were altered without my knowledge.

This interference led to the late payments that are now inaccurately reflected on my credit report.

FCRA & Federal Violations Committed : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or unverifiable data. Since these late payments resulted from unauthorized external interference, they are inaccurate and must be removed immediately.

Additionally, under FCRA 1681i, I have the right to dispute any information that can not be fully substantiated. The late payments in question do not meet verification requirements due to the nature of the incident.

Furthermore, the Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693g ( a ) states that consumers can not be held liable for unauthorized electronic transactions. Since my account settings were tampered with, these late payments were not my responsibility and should not be attributed to me.

Requested Resolution : I am requesting the following actions : Immediate removal of all late payments from the past two years that were impacted by this unauthorized interference.

A written confirmation verifying that these late payments have been removed.

A compliance review to ensure that my account information is reported accurately in accordance with federal regulations.

If action is not taken to resolve this matter, I will have no choice but to pursue small claims court proceedings to ensure that my rights under FCRA and EFTA are upheld. However, I trust that in good faith, you will follow the law regardless, and I hope this will be resolved amicably.

Please confirm resolution of this dispute at your earliest convenience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: LA

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint regarding concerns with the accuracy, access, and potential mishandling of my credit report information. I have reviewed my credit reports from TransUnion, Experian, and Equifax, and there are several discrepancies and issues that I need assistance resolving. 
Below is a summary of the information I have reviewed and the concerns I would like to address : XXXX. Discrepancies in Credit Report Data transunion : Total Accounts : XXXX Open Accounts : XXXX Closed Accounts : XXXX Delinquent Accounts : XXXX Derogatory Marks : XXXX Collection Accounts : XXXX Balances : {$5700.00} Public Records : XXXX Inquiries ( 2 years ) : XXXX experian : Total Accounts : XXXX Open Accounts : XXXX Closed Accounts : XXXX Delinquent Accounts : XXXX Derogatory Marks : XXXX Collection Accounts : XXXX Balances : {$6700.00} Public Records : XXXX Inquiries ( 2 years ) : XXXX Equifax : Total Accounts : XXXX Open Accounts : XXXX Closed Accounts : XXXX Delinquent Accounts : XXXX Derogatory Marks : XXXX Collection Accounts : XXXX I am concerned about the following : Inconsistent Information Across Bureaus : The data reported by TransUnion, Experian, and Equifax is inconsistent, particularly regarding the number of delinquent accounts, derogatory marks, collection accounts, and public records.

Possible Errors in Reporting : The number of derogatory marks and public records.

reported by each bureau seems unusually high and may include inaccurate or outdated information. Unfamiliar Accounts or Inquiries : There are several accounts and inquiries listed that I do not recognize or recall authorizing. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and complete information on my credit report. The discrepancies and potential inaccuracies outlined above may indicate violations of the FCRA, including : Reporting of inaccurate or outdated information. Failure to properly investigate disputes or verify the accuracy of information. Unauthorized access to my credit report, as I do not recognize some of the inquiries listed.

3. Concerns About Data Handling I am also concerned that my credit information may not have been properly safeguarded by the credit bureaus or the credit monitoring service I am using. If my data was mishandled or accessed without authorization, it could constitute a violation of privacy laws, such as the Gramm-Leach-Bliley Act ( GLBA ) or other applicable regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: NY

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 response to consumer: Closed with non-monetary relief