vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-29 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 


Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX  {$230.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$520.00} XXXX - DEPTEDXXXX XXXX XXXXXX/XX/XXXX XXXX  {$58000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$9900.00} XXXX - XXXX XXXX XXXX XXXX XXXX$610.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Hard Inquiries to Be Removed I request the removal of the following hard inquiries unless verifiable, signed proof of my authorization can be provided 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 2025-03-29 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and 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 : LIST OF Items TO BE REMOVED XXXXXXXX XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX Balance {$3600.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX Balance {$1200.00} XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These Items 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  ( private case number ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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:
Kindly remove the unauthorized accounts from my credit report as soon as possible. I have no connection to these accounts, nor did I authorize them. Per USC 1681g, I am formally requesting their removal within 15 days. I have enclosed supporting documents for your review. Moreover, discrepancies exist as different account details are being reported to each credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: 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 XXXX 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, INQUIRIES XXXX XXXX  XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/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 explanation
Consumer complaint received 2025-03-29 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: GA

Complaint narrative:
RE : LEGAL NOTICE FRAUDULENT ACCOUNTS FROM YOUR DATA BREACH | DEMAND FOR {$16000.00} IN DAMAGES | XXXX RESPONSE DEADLINE To Whom It XXXX Concern, This letter is a formal legal notice and final warning regarding multiple fraudulent accounts appearing on my credit and tenant screening reports. These accounts were not opened or authorized by me, and I have reason to believe they are the direct result of a data breach involving your systems, in which my private information was compromised. 

As a result of your failure to protect consumer data, I have suffered emotional distress, repeated denials for housing and credit, and serious financial harm. 

I demand the immediate and permanent deletion of all the following fraudulent accounts from every reporting system associated with your agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent rental accounts ) Balance : {$9000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent eviction accounts ) XXXX XXXX XXXX XXXX XXXX Account ending in XXXXXX Balance : {$10000.00} XXXX XXXX XXXX Account ending in XXXXXX Balance : {$6100.00} XXXX XXXX XXXX Account ending in XXXXXX Balance : {$16000.00} XXXX FCU Account XXXX Balance : {$6100.00} Consumer Adjust Account XXXX Balance : {$140.00} XXXX Account ending in XXXX Balance : {$1100.00} DO NOT REINSERT ANY REMOVED ACCOUNTS. 
Under FCRA 611 ( a ) ( 5 ) ( B ), any reinsertion of previously removed accounts without proper notice is a violation of federal law. You are now on record and legally warned : No account that has been disputed and removed may be reinserted under any circumstance. 

I also do NOT authorize any fraud alerts to be placed on my credit file. These alerts result in automatic denials and further harm me as a victim. Placing a fraud alert without my request or consent is both unethical and damaging. 



You Have XXXX Hours to Act If I do not receive written confirmation that all fraudulent accounts have been permanently deleted and will not be reinserted, I will proceed with legal action. You have XXXX hours from the date of this letter to : XXXX. Permanently remove all listed fraudulent accounts XXXX. Cease all reporting and reinsertion of any disputed accounts XXXX. Send written confirmation to : XXXX XXXX. Refrain from placing any fraud alert on my file If you fail to comply, I will take the following legal steps without further warning : File a lawsuit in XXXX XXXX XXXX for {$16000.00} in damages Report your data breach negligence and violations to the FTC, CFPB, and the Texas Attorney General Pursue full legal action under the FCRA, FDCPA, and consumer protection laws You have been officially notified. 

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 2025-03-29 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: GA

Complaint narrative:
RE : LEGAL NOTICE FRAUDULENT ACCOUNTS FROM YOUR DATA BREACH | DEMAND FOR {$16000.00} IN DAMAGES | XXXX RESPONSE DEADLINE To Whom It XXXX Concern, This letter is a formal legal notice and final warning regarding multiple fraudulent accounts appearing on my credit and tenant screening reports. These accounts were not opened or authorized by me, and I have reason to believe they are the direct result of a data breach involving your systems, in which my private information was compromised. 

As a result of your failure to protect consumer data, I have suffered emotional distress, repeated denials for housing and credit, and serious financial harm. 

I demand the immediate and permanent deletion of all the following fraudulent accounts from every reporting system associated with your agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent rental accounts ) Balance : {$9000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent eviction accounts ) XXXX XXXX XXXX XXXX XXXX Account ending in XXXXXX Balance : {$10000.00} XXXX XXXX XXXX Account ending in XXXXXX Balance : {$6100.00} XXXX XXXX XXXX Account ending in XXXXXX Balance : {$16000.00} XXXX FCU Account XXXX Balance : {$6100.00} Consumer Adjust Account XXXX Balance : {$140.00} XXXX Account ending in XXXX Balance : {$1100.00} DO NOT REINSERT ANY REMOVED ACCOUNTS. 
Under FCRA 611 ( a ) ( 5 ) ( B ), any reinsertion of previously removed accounts without proper notice is a violation of federal law. You are now on record and legally warned : No account that has been disputed and removed may be reinserted under any circumstance. 

I also do NOT authorize any fraud alerts to be placed on my credit file. These alerts result in automatic denials and further harm me as a victim. Placing a fraud alert without my request or consent is both unethical and damaging. 



You Have XXXX Hours to Act If I do not receive written confirmation that all fraudulent accounts have been permanently deleted and will not be reinserted, I will proceed with legal action. You have XXXX hours from the date of this letter to : XXXX. Permanently remove all listed fraudulent accounts XXXX. Cease all reporting and reinsertion of any disputed accounts XXXX. Send written confirmation to : XXXX XXXX. Refrain from placing any fraud alert on my file If you fail to comply, I will take the following legal steps without further warning : File a lawsuit in XXXX XXXX XXXX for {$16000.00} in damages Report your data breach negligence and violations to the FTC, CFPB, and the Texas Attorney General Pursue full legal action under the FCRA, FDCPA, and consumer protection laws You have been officially notified. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  List of Unauthorized 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  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that this inquiry be thoroughly investigated and removed from my credit report if it was made without my consent or if it is deemed to be inaccurate or unauthorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 2025-03-29 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I contacted Credence Resource Management multiple times to remove the debt from credit report due to identity theft. Credence refused. So in an effort to clear the debt, I settled for a lesser amount. On a recorded line which I recorded as well, a supervisor stated the debt would be taken totally off my report. The debt still shows with a different status. Credence also sent proof that I paid to the wrong address which I have no knowledge of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX OH XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Deleted Account from Credit Report Dear Transunion , Equifax, Experian I am writing to formally notify you regarding the recent deletion of a charge-off account originally reported by XXXX XXXX XXXX XXXX XXXX from my XXXXXXXX credit report. My name is XXXX, and the account in question had a balance of {$710.00}. Following my dispute, XXXX completed their investigation on XX/XX/XXXX, and subsequently deleted the account from my XXXX report. 

According to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), I have the right to dispute inaccurate information on my credit report, and this includes accounts that can not be verified. Since XXXX has deemed this account unverifiable and has removed it entirely from their reporting, I am requesting that you take similar action with regard to your records. 

The FCRA mandates that if an item is determined to be unverifiable, it must be removed from the credit report. Specifically, under Section 611 ( a ), you are required to conduct a reasonable investigation and, if you can not verify the information, you must delete it from my credit report. I expect that you will comply with this requirement and remove the unverifiable debt from my credit report within 30 days of this notice. 

Failure to remove this account within the specified time frame will leave me with no choice but to consider further action. As a consumer, I have the right to take legal action under the FCRA, including but not limited to seeking damages for violations of my rights as outlined in Section 616.

Please consider this letter a formal request for the immediate removal of the unverifiable account from my credit report. I expect a written confirmation of the removal within 30 days. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc
State: LA

Complaint narrative:
I tried to open a chime account but it kept denying me but then I realized I had a chime account I tried to log in but it says my account was put on hold temporarily or suspended and I dont know why I dont have the phone number associated with the account but I have the email I just want the account unlocked

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  Date Opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation