vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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: IN

Complaint narrative:
On XX/XX/year>, at XXXX XXXX I received an email notification from TransUnion that a hard inquiry was made to my credit. I did not see the email until about XXXX XXXX, because I was in a work meeting at the time. I logged into TransUnion and saw that it was made by a company called XXXX out of XXXX. I froze my credit with the XXXX bureaus and contacted XXXX about this account at. After verifying my information with them, they confirmed that an account had been open in my name, and that the funds had not been disbursed yet. I informed them that the account was fraudulent, and I asked them to not disburse the funds and to freeze the account. They refused to do so, but they sent me an email explaining the process for disputing the account. In that email they requested that I include my personal bank account information in the police report that I file. This does not seem like a legitimate business practice, and I did not include my bank account in the police report or in my letter to them disputing the account. I should not have to give my personal bank account to an organization that I did not agree to do business with to dispute a fraudulent account. I was able to get the police report finalized with the XXXX Police Department on XX/XX/year>. I filed it online initially on XX/XX/XXXX, but they emailed me on XX/XX/XXXX stating I had to call in to finish filing. I also filed a report with the FTC on XX/XX/year>. I was able to go pick up my police report confirmation on XX/XX/year>, and I filed my dispute with XXXX that same day. I received notice today XX/XX/year> that they completed their investigation and found me liable for this loan, that was opened fraudulently and was reported as fraudulent before the funds even dispersed. I have done everything I have needed to do to try to clear this up. My credit should not be held prisoner by this company that I did not consent to do business with. Also, if they would have taken action when I called them right after the loan was opened, I would only be disputing a hard inquiry right now.

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 2025-05-02 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: CA

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. 
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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received alerts about fraud and address changes. I called also mailed in documents of id with current address.

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 2025-05-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Second Formal Complaint Failure to Remove Unauthorized Business Inquiries ( Case # : XXXX ) To Whom It XXXX Concern : I am submitting this second formal complaint and follow-up regarding CFPB Case # XXXX, originally filed on XX/XX/XXXX. Despite my previous dispute clearly outlining the unauthorized nature of the following hard inquiries, Equifax failed to remove them, only eliminating XXXX out of XXXX, and provided no documentation, contracts, or verifiable authorization as required by law. This is a serious breach of the Fair Credit Reporting Act ( FCRA ). 

The inquiries in question were made under the XXXX of my business ( LLC ) and should not appear on my personal credit report as they do not involve my SSN, nor did I authorize personal credit access for these business applications. The disputed hard inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries are still visible on my Equifax report and continue to negatively impact my personal credit. Once again, no personal account was opened, and no written consent was ever provided under my SSN. I demand that Equifax present actual documentation proving I authorized these inquiries personally. If they can not, they are legally obligated to delete them immediately. 
This situation involves violations of : 15 U.S.C. 1681b ( f ) No permissible purpose.

15 U.S.C. 1681i Failure to verify accuracy and authorization.

15 U.S.C. 1681b ( b ) Lack of proper consent for a hard inquiry. 

Requested Action : I demand that Equifax remove the above-listed inquiries from my credit report and provide written confirmation. If these items are not removed or proper proof is not delivered, I will pursue further legal action and escalate this matter to additional oversight agencies. 
Thank you for your urgent attention to this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I sent {$7500.00} via XXXX from my Bank of America business account to a party who scammed me. The transaction was authorized, but I was deceived under false pretenses. I never received the product I paid for and have detailed text message records proving this was a scam. 

I reported this immediately to Bank of America and requested a reversal or refund. However, they denied my dispute, stating the transaction was authorized. While I understand Regulation E may not apply to business accounts, I believe Bank of America has a duty to investigate and protect customers from fraud involving their XXXX platform. 

I am requesting a full refund and an internal review of this case.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( XXXX U.S. CXXXX XXXX ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required 21-day notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

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 2025-05-02 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, 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 explanation
Consumer complaint received 2025-05-02 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, 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 2025-05-02 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) 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 2025-05-02 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 XXXX ( XXXX ) 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 2025-05-02 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: MS

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according XXXX  FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning XXXX  me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: GA

Complaint narrative:
SEE ATTACHED DISPUTE I demand that TransUnion delete the inaccuracies for the disputed items as required by 15 USC 1681i ( 5 ).

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 2025-05-02 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: NY

Complaint narrative:
I am disputing multiple inaccurate and/or fraudulent accounts on my credit report, including those from : XXXXXXXX XXXX XXXX Account ending in XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX ( Account # XXXX XXXX, XXXX ) XXXX XXXX ( Account ending in XXXX ) These accounts have been reported inaccurately and were never properly verified. Despite multiple disputes, the credit bureaus continue to mark them as verified without providing any documents, contracts, or signed agreements. This violates my rights under the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), which requires a reasonable investigation and verifiable proof. 

I have requested written validation, not just automated updates from the creditor. If no documentation exists, the accounts must be deleted per FCRA guidelines.

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 2025-05-02 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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 may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) 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 2025-05-02 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: MI

Complaint narrative:
You have reported inaccurate XXXX  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, XXXX  XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging XXXX  unjust, especially since Ive never opened or authorized these accounts. If you fail XXXX  investigate XXXX  correct this, I XXXX pursue legal action under the FCRA XXXX FDCPA ( XXXX XXXX Code XXXX ) for deceptive XXXX 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 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
On XX/XX/XXXX I received a cellphone call from XXXX XXXX at ( XXXX ) XXXX. The caller identified himself as a member of the security department. He said someone was attempting to apply for a {$6500.00} visa credit card. I told him no, I hadn't applied for the card and didn't want to apply. He then said he was going to transfer me to XXXX  's security department. He gave me the following info prior to the transfer : Chase Freedom Credit Card Amount - XXXX XXXX Confirmation number XXXX He then said he was transferring me to XXXX. The call then disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to formally dispute inaccurate, incomplete, and unverifiable information appearing on my Equifax credit report. The items listed below do not reflect accurate or lawfully verifiable credit data, and I am asserting my right under 15 U.S.C. 1681i ( a ) to a prompt and thorough reinvestigation. 

XXXX. XXXX XXXX XXXX Child Support Account ( XXXX ) I do not have any contractual obligation with this entity. This account is being reported without my consent, authorization, or signed agreement. Pursuant to 15 U.S.C. 1681b and 1681e ( b ), Equifax is required to ensure that only accurate, legally verifiable, and authorized information is reported. 

I hereby demand the immediate removal of this account unless you can provide original, signed contractual documentation bearing my wet-ink signature, authorizing this obligation and allowing reporting under federal law. Failure to produce such evidence within the legally prescribed timeframe is grounds for deletion. 

XXXX XXXX XXXX XXXX XXXX XXXX ) This account is being reported in violation of the arbitration and contractual terms implied and/or included in the original agreement with the creditor. I am asserting my rights under 15 U.S.C. 1681s-2 ( b ) and demanding that Equifax validate this tradeline, including a copy of the executed contract, the full terms of arbitration, and any documents showing my continued liability under current federal credit reporting guidelines. 

If the creditor is in breach of contract, particularly the arbitration clause, then the account reporting is likewise invalid and misleading. Equifax has a legal duty under 1681e ( b ) to ensure maximum accuracy and can not continue to report unverifiable or contractually invalidated information. 

LEGAL NOTICE You are hereby notified that if the above accounts can not be verified with original and authenticated documentation as required under 1681i ( a ), they must be deleted within 30 calendar days. Any continued reporting of inaccurate or unverifiable information beyond that period may constitute willful noncompliance under 15 U.S.C. 1681n, which subjects Equifax to statutory damages, actual damages, punitive damages, and attorneys fees. 

Please confirm in writing the results of your investigation. I request full disclosure of your findings, including the method of verification and the name and contact information of each furnisher contacted. 

Thank you for your immediate attention to this legal notice and dispute.

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 2025-05-02 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: CA

Complaint narrative:
To Whom It May Concern, I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to formally dispute inaccurate, incomplete, and unverifiable information appearing on my Equifax credit report. The items listed below do not reflect accurate or lawfully verifiable credit data, and I am asserting my right under 15 U.S.C. 1681i ( a ) to a prompt and thorough reinvestigation. 

XXXX. XXXX XXXX XXXX Child Support Account ( XXXX ) I do not have any contractual obligation with this entity. This account is being reported without my consent, authorization, or signed agreement. Pursuant to 15 U.S.C. 1681b and 1681e ( b ), Equifax is required to ensure that only accurate, legally verifiable, and authorized information is reported. 

I hereby demand the immediate removal of this account unless you can provide original, signed contractual documentation bearing my wet-ink signature, authorizing this obligation and allowing reporting under federal law. Failure to produce such evidence within the legally prescribed timeframe is grounds for deletion. 

XXXX XXXX XXXX XXXX XXXX XXXX ) This account is being reported in violation of the arbitration and contractual terms implied and/or included in the original agreement with the creditor. I am asserting my rights under 15 U.S.C. 1681s-2 ( b ) and demanding that Equifax validate this tradeline, including a copy of the executed contract, the full terms of arbitration, and any documents showing my continued liability under current federal credit reporting guidelines. 

If the creditor is in breach of contract, particularly the arbitration clause, then the account reporting is likewise invalid and misleading. Equifax has a legal duty under 1681e ( b ) to ensure maximum accuracy and can not continue to report unverifiable or contractually invalidated information. 

LEGAL NOTICE You are hereby notified that if the above accounts can not be verified with original and authenticated documentation as required under 1681i ( a ), they must be deleted within 30 calendar days. Any continued reporting of inaccurate or unverifiable information beyond that period may constitute willful noncompliance under 15 U.S.C. 1681n, which subjects Equifax to statutory damages, actual damages, punitive damages, and attorneys fees. 

Please confirm in writing the results of your investigation. I request full disclosure of your findings, including the method of verification and the name and contact information of each furnisher contacted. 

Thank you for your immediate attention to this legal notice and dispute.

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