vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I am a XXXX  XXXX  and recently opened an account with Huntington Bank. I noticed two unauthorized charges on my account from a company called XXXX, each in the amount of {$520.00}. I have no knowledge of this company or the purchases made. I also had a previous charge from the same company for over {$200.00}, which was refunded after I disputed it. 

However, when I contacted Huntington about the two {$520.00} charges, they claimed that I authorized them and denied my refund request. I did not make these purchases. I have no idea how this company accessed my banking information. 

To protect myself, I ordered a new debit card and am in the process of replacing my stolen Social Security card, which was part of an identity theft incident. I explained all of this to the bank, but they still refused to help. 

Im requesting CFPB assistance in resolving this issue and securing a refund of {$1000.00}. This is money I urgently need for my college books and tuition, and I am being financially harmed due to fraud that I did not cause.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-07 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: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-05-07 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: T.S. Holdings
State: NY

Complaint narrative:
It appears that the Company I.Q. Data XXXX, XXXX have obtained this account as a result of material misrepresentation, fraud & Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ) and RCW 9.35.020. 

The Original Creditor did not legally obtain consent to sale, transfer or disclose any account information with your company or any other non-affiliated third party as regulated by 15 USC 6802 of the GLBA. Failure to provide FULL disclosure of material information is an unfair method of competition and unfair & deceptive acts of FRAUD. When a person is defrauded into entering a contract, the contract is no longer enforceable, and the defrauded party may void the contract upon learning of the fraud. 

You are now hereby notified of the following : Upon discovering FRAUD associated with the contract between the consumer and the original creditor ; the contract is no longer enforceable and is now VOID on its face. 

As a result, ANY and ALL consent to possess, use and share private information obtained by, through or from that contracted original creditor is now REVOKED, TERMINATED, CANCELED and RESCINDED pursuant to RCW 19.86.020 & XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX TO : Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX FORMAL REQUEST FOR BLOCKING AND REMOVAL OF FRAUDULENT INQUIRIES & ACCOUNTS DUE TO IDENTITY THEFT Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), 1681s-2, and 1681i Dear Dispute Investigations Department , This letter serves as my formal and legally binding notice that I have been the victim of identity theft, and several unauthorized inquiries and inaccurate negative accounts have been wrongfully reported on my consumer credit file. These entries are in violation of federal consumer protection laws, and I demand their immediate removal under the Fair Credit Reporting Act ( FCRA ). I HAVE REACHED OUT TO MANY TIMES BY PHONE AS WELL AS BY MAIL AND PORTAL TO EACH COMPANY I MUST SHOW THIS TO THE CFPB I WILL ATTACH MY ORGICAL NOTICE FROM FTC, MOST OF THE ISSUES HAVE BEEN corrected but the data has put back as well left for the inquiries. 
Under 15 U.S. Code 1681c-2 ( FCRA Section 605B ), I am asserting my right to block all information resulting from identity theft and demand its removal within four ( 4 ) business days, as required by federal law. 
UNAUTHORIZED INQUIRIES MUST BE REMOVED TRANSUNION XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX via XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX EXPERIAN XXXX. XXXX / XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX / XXXX XXXX XX/XX/XXXX FRAUDULENT NEGATIVE ACCOUNTS MUST BE DELETED EXPERIAN XXXX. XXXX Charged Off Opened XX/XX/XXXX XXXX. XXXX Closed Opened. XXXX XXXX XXXX Paid in Settlement Opened XX/XX/XXXX ( THIS WAS REMOVED AND I HAVE ATTACHED PROOF FROM EXPERIAN ) These accounts were not authorized, opened, or acknowledged by me. I have never entered into any agreement with these entities, and their presence is the result of fraudulent access to my personally identifiable information.

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 2025-05-07 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX TO : Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX FORMAL REQUEST FOR BLOCKING AND REMOVAL OF FRAUDULENT INQUIRIES & ACCOUNTS DUE TO IDENTITY THEFT Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), 1681s-2, and 1681i Dear Dispute Investigations Department , This letter serves as my formal and legally binding notice that I have been the victim of identity theft, and several unauthorized inquiries and inaccurate negative accounts have been wrongfully reported on my consumer credit file. These entries are in violation of federal consumer protection laws, and I demand their immediate removal under the Fair Credit Reporting Act ( FCRA ). I HAVE REACHED OUT TO MANY TIMES BY PHONE AS WELL AS BY MAIL AND PORTAL TO EACH COMPANY I MUST SHOW THIS TO THE CFPB I WILL ATTACH MY ORGICAL NOTICE FROM FTC, MOST OF THE ISSUES HAVE BEEN corrected but the data has put back as well left for the inquiries. 
Under 15 U.S. Code 1681c-2 ( FCRA Section 605B ), I am asserting my right to block all information resulting from identity theft and demand its removal within four ( 4 ) business days, as required by federal law. 
UNAUTHORIZED INQUIRIES MUST BE REMOVED TRANSUNION XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX via XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX EXPERIAN XXXX. XXXX / XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX / XXXX XXXX XX/XX/XXXX FRAUDULENT NEGATIVE ACCOUNTS MUST BE DELETED EXPERIAN XXXX. XXXX Charged Off Opened XX/XX/XXXX XXXX. XXXX Closed Opened. XXXX XXXX XXXX Paid in Settlement Opened XX/XX/XXXX ( THIS WAS REMOVED AND I HAVE ATTACHED PROOF FROM EXPERIAN ) These accounts were not authorized, opened, or acknowledged by me. I have never entered into any agreement with these entities, and their presence is the result of fraudulent access to my personally identifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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:
This is one of many accounts on my credit profile that was opened without my consent, I was recently released from prison. I have/had no knowledge of this XXXX XXXX  account opened on 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 2025-05-07 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:
This is one of many accounts on my credit profile that was opened without my consent, I was recently released from prison. I have/had no knowledge of this XXXX XXXX account opened on XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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:
This is one of many accounts on my credit profile that was opened without my consent, I was recently released from XXXX. I have/had no knowledge of this XXXX XXXX  account opened on 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 non-monetary relief
Consumer complaint received 2025-05-07 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.

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number ( LAST XXXX ) : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$4500.00}, XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$750.00}, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$400.00}, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$150.00}. Inquiries : XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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:
I previously filed a dispute with Experian concerning negative accounts that I believe were reporting inaccurate and incomplete information. After their reinvestigation, I was told that the accounts had been verified as accuratebut the same disputed information continues to appear on my credit reports, without any updates or corrections. This outcome is unacceptable. I have the right under the Fair Credit Reporting Act ( FCRA ) to understand how the bureaus determined that this information is accurate and complete. I am specifically requesting a description of the procedures used during the reinvestigation of my dispute. The full details of my request are explained in the letter attached to this complaint.

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 2025-05-07 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
Complaint Against : Synchrony Bank / JCPenney Credit Card Services Date of Account Closure : XX/XX/year> Product : Credit Card Company : Synchrony Bank / JCPenney Credit Services Complaint Description : I am filing this complaint against Synchrony Bank and JCPenney Credit Card Services due to their unjust and unprofessional closure of my longstanding credit account without any prior notice or communication. 

I have been a loyal JCPenney credit card holder for over 10 years. During that time, I have managed my account responsibly, maintained good credit standing, and considered the card part of my financial stability and history. On XX/XX/year>, I discovered that the account had been closed without warning. I did not receive any communicationemail, letter, or phone callinforming me that the card was at risk of closure or that any action was needed to keep the account active. This lack of transparency and communication is highly unprofessional and shows a disregard for customer relationships. 

To put this into perspective, I recently received a similar notice from XXXX XXXX, who courteously sent me an email stating that my card had not been used in a while and was at risk of being closed due to inactivity. Because they respected me enough to notify me, I made a transaction immediately, and the account remained open. This is how responsible financial institutions treat long-standing customerswith dignity, clarity, and a desire to maintain relationships, not sever them without warning. 

The closure of my JCPenney/Synchrony account now impacts my credit score, reduces my available credit limit, and disrupts the consistency of my credit historythrough no fault of my own. I would have gladly used the card if I had been informed. 

Unfortunately, this experience demonstrates a disturbing lack of professionalism and customer care from both Synchrony Bank and JCPenney. It reflects poorly not just on Synchrony as a financial institution but also on JCPenney as a brand that claims to value its customers. Their silence and sudden closure have caused me unnecessary stress and financial inconvenience. 

Thank you for reviewing this complaint and helping hold these institutions accountable.

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 2025-05-07 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: TX

Complaint narrative:
Complaint Type : Failure to Block Fraudulent Information per 15 U.S.C. 1681c-2 Summary of Complaint : I am submitting this complaint because TransUnion has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, regarding the blocking of fraudulent information due to identity theft. 
On multiple occasions, I notified TransUnion in writing that several accounts on my credit report were opened fraudulently because of identity theft. I included a valid FTC Identity Theft Report ( FTC Report # XXXX ), my government-issued ID, and a copy of my Social Security card . Despite this, TransUnion has not blocked the fraudulent information within the four business days required by law. 
These are the accounts I identified as fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite submitting my dispute more than 60 days ago, these fraudulent accounts remain on my credit report, causing significant harm. I have contacted TransUnion multiple times, but they have refused to take meaningful action. 
Legal Violations : 1. 15 U.S.C. 1681c-2 ( a ) ( 1 ) : TransUnion is required to block any information identified by the consumer as resulting from identity theft within 4 business days of receiving the identity theft report and documentation.

2. 15 U.S.C. 1681c-2 ( c ) : The block must remain for at least 1 year, with the right to extension.

3. UDAAP Dodd-Frank Act, 12 U.S.C. 5531 : TransUnion 's continued reporting of information already disputed and verified as fraudulent constitutes an unfair and abusive practice.

4. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation.

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 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
A collection account for {$410.00} from Caine & Weiner appeared on my credit report without any prior notice or verification. I was never contacted by this agency and was not given the opportunity to validate or dispute the debt before it was reported. I sent a debt validation letter requesting proper documentation under the Fair Debt Collection Practices Act ( FDCPA ), including the original creditor, account details, and a breakdown of the debt. 

To date, I have not received a response or any supporting documentation from the company. I am requesting that this collection account be investigated and removed from my credit report if the debt can not be validated as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TekCollect Inc.
State: MI

Complaint narrative:
According to 15. U.S.C 1692C you have violated my rights by unlawful communications please remove this collection account off of my credit report thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
On or about XX/XX/year>, I received a credit alert from XXXX  indicating that PORTFOLIO RECOVERY ASSOCIATES had reported an account in my name as being in collections. Upon reviewing my XXXX  credit report, I noted that this collection account has been reported since XX/XX/year>, with XXXX  XXXX, XXXX. listed as the original creditor. I subscribe to USPS Informed Delivery and have no record of receiving a mailpiece from PORTFOLIO RECOVERY ASSOCIATES indicating my right to dispute as required under the Fair Debt Collection Practices Ac

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My Experian credit report is not updating my information I can not see my credit score and accounts that has been deleted from XXXX  and XXXX  is still showing on my Experian report I need this information updated and deleted. I called Experian and was told I had to upload a copy of my driver license and a bill I uploaded a copy of both my driver 's license and a bill I was told it would be fixed in a 7- to 10 business days it has been over 60 days and now I can't get a representative on the phone.

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