vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Today I came across inaccurate accounts on my credit report, and I cant understand how they appeared. My routine credit check revealed these discrepancies out of the blue. I refreshed my browser to rule out a display issue, but the errors remained. Thats why XXXX asking for a thorough examination of the documents I sent to resolve this and avoid any future concerns.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXXXXXX XXXX XXXX ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Today, I discovered several incorrect entries on my credit report, and I dont understand why theyre there. I always check my report, but this time, discrepancies appeared out of nowhere. I thought it might be a browser issue and tried to refresh, but the errors didnt go away. Im now asking for a complete review of the documents Ive submitted to ensure this is resolved and doesn't cause further concern.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On Wednesday XX/XX/year>, I paid off XXXX XXXX XXXX  the sum of {$360.00} being the total balance of the credit card I owned the company. Reference # XXXX. I owe them nothing and the paid off yet to reflect on my credit report On Wednesday XXXX, XXXX, I paid off XXXX XXXX XXXX the sum of {$380.00} being the total balance of the credit I owed the company XXXX  Reference/Confirmation # XXXX through their agent XXXX XXXX. This paid off is still on my credit report. 

On Friday XX/XX/year> I called XXXX XXXX XXXX to lodge a complain that I never authorized nor was an authorized user of their Credit Card issued in my name to the tune of {$18000.00} and the bank should remove my name as an authorized user since it was my wife that applied for the credit card and not me. The representative of the bank asked to speak with my wife and my wife confessed and explained that my name should be taken off the account since I am not an authorized user. The representative agreed and assured my name would be removed yet that credit card is still appearing on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On Wednesday XX/XX/year>, I paid off XXXX XXXX XXXX the sum of {$360.00} being the total balance of the credit card I owned the company. Reference # XXXX. I owe them nothing and the paid off yet to reflect on my credit report On Wednesday XXXX, XXXX, I paid off XXXX XXXX XXXX the sum of {$380.00} being the total balance of the credit I owed the company XXXX  Reference/Confirmation # XXXX through their agent XXXX XXXX. This paid off is still on my credit report. 

On Friday XX/XX/year> I called XXXX XXXX XXXX to lodge a complain that I never authorized nor was an authorized user of their Credit Card issued in my name to the tune of {$18000.00} and the bank should remove my name as an authorized user since it was my wife that applied for the credit card and not me. The representative of the bank asked to speak with my wife and my wife confessed and explained that my name should be taken off the account since I am not an authorized user. The representative agreed and assured my name would be removed yet that credit card is still appearing on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On Wednesday XX/XX/year>, I paid off XXXX XXXX XXXX  the sum of {$360.00} being the total balance of the credit card I owned the company. Reference # XXXX. I owe them nothing and the paid off yet to reflect on my credit report On Wednesday XXXX, XXXX, I paid off XXXX XXXX XXXX the sum of {$380.00} being the total balance of the credit I owed the company XXXX  Reference/Confirmation # XXXX through their agent XXXX XXXX. This paid off is still on my credit report. 

On Friday XX/XX/year> I called XXXX XXXX Bank XXXX XXXX a complain that I never authorized nor was an authorized user of their Credit Card issued in my name to the tune of {$18000.00} and the bank should remove my name as an authorized user since it was my wife that applied for the credit card and not me. The representative of the bank asked to speak with my wife and my wife confessed and explained that my name should be taken off the account since I am not an authorized user. The representative agreed and assured my name would be removed yet that credit card is still appearing on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I want my credit report to only reflect accurate information, which is why its important all data is verified. These inaccurate items are in pending litigation due to reporting errors on my report. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit 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: NY

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 2025-04-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: LA

Complaint narrative:
I had a merchant refund me {$50.00} but cash app never gave me the money and when I called the support they told me they couldnt do anything about it and said to dispute the transaction and when I did that they declined the dispute despite me providing them with adequate proof. when I called to ask them why they declined my dispute couldnt give me a reason and when I tried to file another one they said I couldnt and I wouldnt be able to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am disputing multiple inaccuracies in my TransUnion credit report that misrepresent my financial history and may violate the Fair Credit Reporting Act ( FCRA ). The report lists five accounts marked as derogatory or in collection, which I believe are incorrect or unverifiable. These accounts include : XXXX XXXX ( Account # XXXXXXXX XXXX ) : * * Installment account, charged off, balance {$11000.00}, past due {$11000.00}, opened XX/XX/XXXX, last reported XX/XX/XXXX. 



XXXX XXXX ( Account # XXXX * ) : * * Installment account, charged off, balance {$31000.00}, past due {$31000.00}, opened XX/XX/XXXX, last reported XX/XX/XXXX. 



XXXX XXXX XXXXXXXX ( Account # XXXX * ) : * * Revolving account, charged off, balance {$4400.00}, past due {$4400.00}, credit limit {$4500.00}, opened XX/XX/XXXX, last reported XX/XX/XXXX. 



XXXX XXXX XXXX ( Account # XXXX * ) : * * Revolving account, charged off, balance {$9300.00}, past due {$9300.00}, credit limit {$5000.00}, opened XX/XX/XXXX, last reported XX/XX/XXXX. 



XXXX XXXX XXXXXXXX ( Account # XXXX * ) : * * Revolving account, charged off, balance {$3700.00}, past due {$3700.00}, credit limit {$3200.00}, opened XX/XX/XXXX, last reported XX/XX/XXXX. 

These inaccuracies could impact my ability to secure loans, employment, or housing, and I demand their correction or removal. 

This is not sent by a third party under FCRA LAW youre obligated to investigate disputes without any issue. Do not sendstallletters

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. 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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( s ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX Bank, XXXX, is the Mortgage Lender, who bought my Mortgage from XXXX XXXX Mortgage company,. 

The Monthly Mortgage Principal and Interest along with Escrow Balance is paid regularly from my XXXX Bank account to XXXX Bank on due date.For the Month of XX/XX/year>, I ahve paid XXXX ontime. 

I was notified on XX/XX/XXXX to pay additional of XXXX $ towards XXXX in XXXX Account. On XX/XX/XXXX I spoke to the Bank, and verified the amount. On XX/XX/XXXX I spoke to my XXXX Collector and verified what's the revised amounts. 

Accordingly, I requested my Checking Bank Account to pay the difference demanded by XXXX Bank. The XXXX was received by XXXX Bank on XX/XX/XXXX. 
However, the Bank XXXX, my payment are delayed by XXXX XXXX, and reported to XXXX XXXX ( Transunion ). This is not Correct, I knew the difference amount only XXXX  days before, and I made all possible efforts to fill the gap. There is NO XXXX  day delay, as cliamed by the Bank, The Prinicipal + Interest+ Original Escrow, was paid by XXXX of the month. The XXXX. of XXXX Account was paid within XXXX  days of demand notice. XXXX XXXX Bank should not have reported to XXXX XXXX as XXXX  day delay, which is only XXXX  days from the date of Demand. And the XXXX is NOT Principal / Interest. It is only XXXX. of XXXX account, which could always be collected without any problem. 

Bank Report is XXXX, and it costed me to loose XXXX Points XXXX XXXX ( by XXXX ). This is Detrimental to my Credit history and costing me a big damage financially. 

Request CFPB help to represent my Complaint and help restore my XXXX XXXX. 
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 non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( 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 2025-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Someone was granted a credit card by Capital One under my name, without my knowledge, a year ago. All our credits were frozen at the time on XXXXXXXX XXXX  and XXXX. Somehow they managed to change the freeze with Transunion only. 
Capital One, probably knowing that demand was suspicious, still allowed them a credit card with a limit of {$1000.00}. My credit score at the time was really high, so i would have had a way better deal if I opened it myself. The person then used the card once to buy something for {$670.00}. 
I found out about the whole thing this year when we tried to thaw our credits temporarily, and realized we were locked out of XXXX. I had to resubscribed, and I discovered my credit score was low, and the delinquent card ( I have never been a customer of Capital One ). 
It looks like the credit card was opened by someone in Texas ( I've never lived in Texas ). 
I have filed a police report, and a complaint at the Federal Trade Commission website.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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