vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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, CHALLENGEDORNOT.

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

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 inquires 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 and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible. 

XXXX XXXXXXXX XXXX XXXX ACCOUNT XXXX DATE REPORTED- 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 2025-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Answer to the last complaint! The call was recorded, and I made it clear when I called that my last purchase was at XXXX XXXX gas station, where I filled up {$40.00} of gas. I want to know why Chase Bank made up this excuse!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX Balance : {$48.00} XXXX XXXX  XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$510.00} XXXX XXXX XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$520.00}

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I recently viewed my credit report XX/XX/2025. I noticed some HARD INQUIRIES that did not have PERMISSIBLE PURPOSE. I also attached evidence. 

This list of INQUIRIES has no PERMISSIBLE PURPOSE to be on my credit report. DELETE the listed INQUIRIES due to violation of 15 USC 1681b.

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please remove the internal block on my credit report that is hindering me from retrieving my score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I wish to prevent further harm and fraud to my personal information so please, remove all these fraudulent transactions and account from my credit report. Please. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC.
State: MN

Complaint narrative:
I requested to transfer my XXXX to another company in XX/XX/year>. I submitted the request repeatedly via multiple means and XXXX denied receiving these requests. I repeatedly called asking for status and was told misinformation. I was promised updates by supervisors and none provided an update.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I look at my credit report I noticed something thing not accurate according to fair consumer reports agency XXXX XXXX in {$82.00} date XXXX Account number XXXX XXXX XXXXXXXX XXXX {$240.00} date XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX Date XXXX 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 explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
My social security number was leaked and someone opened multiple accounts under my name without my knowledge, I called the company and explained the circumstances, they said I could not talk to anyone about the account without having the account number ( which is the phone number used to open the account ) I did not have that as I did not open the accounts so they could not really do anything to help me, I asked them to flag those accounts as fraudulent as well as alerting my credit bureau but the results came in and the company reported the accounts as " Affected by natural or declared disaster '' which is faulty and disrespectful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not authorizr anyone employed by these companies to make any inquiries nor to my pull my consumer report. In addition I did not give permission to furnish such items to my consumer report. The erroneous information violates Fair Credit Report ACT section XXXX ( c ) which constitutes as fraud. 

I've attached my personal identifiable information to this complaint. FCRA section XXXX ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The accounts that was not authorized ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc.
State: MN

Complaint narrative:
Kikoff Lending # XXXX Kikoff Lending # XXXX Kikoff Lending XXXX XXXX XX/XX/year> KIKOFF Lending XXXX XXXX XXXXXX/XX/year>

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX HARD INQUIRY ON XXXX I didnt Recognize

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I've recently discovered some incorrect information on my transition report.I also made a buisiness inquiry that landed on my personal report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2025-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Gurstel Law Firm, P.C.
State: NE

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint regarding Gurstel Law Firms violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable consumer protection laws. Gurstel Law Firm disclosed my personal financial information to a third party whom I did not authorize to act on my behalf. Their failure to contact me directly before filing a lawsuit has caused unnecessary distress and confusion. 

Summary of Events XXXX. Initial Debt Information The original debt was with XXXX XXXX. I was unaware that this debt had been transferred to Gurstel Law Firm for collection. 
XXXX. Unauthorized Disclosure of Financial Information Without my knowledge or consent, Gurstel Law Firm disclosed my personal financial details to a third-party debt collection company that I had no relationship with and never authorized to act on my behalf. 
Gurstel failed to verify the legitimacy of this third party before sharing my private financial information. 
XXXX. Lack of XXXX XXXX Gurstel Law Firm never contacted me directly regarding this debt. The first notice I received was a summons served at my home, notifying me of a pending lawsuit. 
This was the first time I became aware of any collection attempt by Gurstel Law Firm, as they relied solely on communications with the unauthorized third party. 
XXXX. Failure to XXXX FDCPA XXXX XXXX the FDCPA, debt XXXX are required to make direct contact with the debtor and provide a written notice of the debt within XXXX days of their initial communication. Gurstel Law Firm failed to provide this required notice. 

Impact on Me As a result of Gurstel Law Firms actions : I was unaware of the lawsuit until I was served a court summons, causing considerable stress and confusion. 
I have spent significant time and resources attempting to address this issue. 
The unauthorized disclosure of my financial information has caused me great concern regarding my privacy and financial security. 
My XXXX XXXX has suffered significant harm, which I now realize was due to this unresolved debt being improperly reported. This has created ongoing financial challenges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: GA

Complaint narrative:
Equifax has willfully violated the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681g, 1681i, and 1681c-2 by obstructing my rights, failing to process identity theft disputes, and refusing to provide my full consumer file as required by law. 

XXXX Mishandling My FTC Identity Theft Report : I submitted my FTC Identity Theft Report & supporting documents on XX/XX/year> via Equifaxs online dispute system and via XXXX XXXX XXXX ( Tracking : [ XXXX XXXX XXXX XXXX XXXX XXXX ] ). 
Equifax falsely claimed it never received the report, then later admitted receipt but called my documents ineligible despite them being the same ones accepted by XXXX XXXX XXXX. 

XXXX Refusal to Provide My Full Consumer File Disclosure ( XXXX Violation ) : On XX/XX/year>, I visited Equifaxs office in person to request my Complete Consumer File Disclosure, which includes my full internal records, ACDVs, access logs, and dispute history. 
Equifax refused my request, falsely claiming I needed a subpoena, which is NOT required under federal law. 
This is a direct violation of 15 USC 1681g, which entitles me to my complete consumer file upon request. 

XXXX Fraudulent Accounts Still Remain Despite Proof : Equifax has removed some fraudulent accounts but continues to report others ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX ), despite receiving identical documentation for all. 
This is an arbitrary and reckless mishandling of my identity theft report, violating XXXX. 

XXXX Blocking Dispute Access & Hiding Dispute Results ( XXXX Violation ) : Since XX/XX/year>, Equifax stopped sending me downloadable dispute results. 
Online dispute access shows Unavailable, preventing me from seeing my case history or results. 
This is intentional obstruction of my rights under 15 USC 1681i. 

XXXX Retaliation & Intimidation at Equifax Office ( XX/XX/year> Visit ) : At the Equifax office, the employee rolled her eyes, got hostile, and refused to provide her last name after I cited my federal rights. 
When I asked for a written denial, she refused and instead threatened to call security. 
This proves Equifax is willfully obstructing compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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:
My credit report shows late payments that arent accurate. Ive disputed these with the credit bureaus, but the issue still hasnt been resolved. The account in question shows late payments, even though Ive always paid on time as agreed. Ive asked the credit bureaus to provide proof of these late payments, but they havent given me any real documentation to back up the claim. Because of this, the incorrect information is still on my report, which is hurting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report shows late payments that arent accurate. Ive disputed these with the credit bureaus, but the issue still hasnt been resolved. The account in question shows late payments, even though Ive always paid on time as agreed. Ive asked the credit bureaus to provide proof of these late payments, but they havent given me any real documentation to back up the claim. Because of this, the incorrect information is still on my report, which is hurting my credit score.

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administration proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.These are the accounts that are inaccurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX is still showing but was deleted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief