vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-19 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report, Please remove these accounts from my report, they are hurting my ability to obtain credit,

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 2025-04-19 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report, Please remove these accounts from my report, they are hurting my ability to obtain credit,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: NY

Complaint narrative:
I filling a complaint because my creditors is reporting late payments on report account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that are inaccurate and not properly verified I have dispute this directly with the credits bureaux and the furniture but the late payments remain without proper validation or documentation under 15usc 168s 8 a furniture must be report accurate information under 15usc 1881XXXX XXXX XXXX XXXX must perform a reasonable investigation within 30days neither of them have provide sufficient evidence to support the negative 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 2025-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Hello, I got a quote from XXXX to mail a package in XX/XX/year>, I provided my account number and was quoted the equivalent of {$29.00}. Which is consistent with the market prices. 

XXXX then charged me {$260.00} after it was delivered. 

I called them and they said it was because the quote didn't use my billing account number. 

However, the Transaction Record ( attached ) Clearly shows my account number was entered at the time. 

This issue is ether an error in their system or outright fraud by lowballing, then up charging after the service is already provided. 

I disputed the charge with Chase Bank and they sided with XXXX even though the issue is clear ( a 10x increase from quote to charge ). 

I don't believe this his how Chase or XXXX what to be seen as doing business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: NJ

Complaint narrative:
I filed a valid identity theft dispute with TransUnion concerning a fraudulent auto account ( XXXX XXXX ) that was illegally opened in my name. My dispute included an FTC Identity Theft Report ( No. XXXX ), my sworn affidavit, and official identification. 

Despite fulfilling all legal documentation requirements under 15 U.S.C. 1681c-2 ( a ), TransUnion failed to block the account within four ( 4 ) business days. Instead, they added a fraud alert and retained the disputed account with only a basic update. TransUnion did not provide any verification evidence, nor did they disclose the method of verification ( MOV ) when requested under 1681i ( 7 ).

These actions violate multiple sections of the FCRA, including : 1681c-2 ( a ) Failure to block fraudulent information after ID theft documentation 1681i ( a ) ( 1 ) ( A ) No reasonable reinvestigation 1681e ( b ) Inaccurate and unverified reporting 1681i ( a ) ( 5 ) ( D ) No notification to other CRAs 1681i ( 7 ) Refusal to disclose the method of verification

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 2025-04-19 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: VA

Complaint narrative:
I am requesting the immediate removal of the following addresses from my credit report. 

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

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 2025-04-19 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:
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 XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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.

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 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 2025-04-19 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: EQUIFAX, INC.
State: LA

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.

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 2025-04-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CNG HOLDINGS INC
State: CT

Complaint narrative:
I writing to dispute the debt that XXXX XXXX AND XXXX is attempting to collect on behalf of TEMPO LLC. This debt dates back to XXXX, and TEMPO LLC was already facing financial difficulties at the time. Given the age of the debt and the fact that TEMPO LLC was experiencing significant issues, it is unfair to hold me accountable for a situation that was beyond my control. 

Additionally, I believe that the statute of limitations for this debt has likely expired, which makes it unjust to continue pursuing this claim. I request that this debt be removed from my records and that all attempts to collect on it be ceased. I would appreciate prompt action in resolving this matter fairly and accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: AZ

Complaint narrative:
I am disputing an account that appears on my credit report showing as XXXX. This account number is not fully masked and violates my rights under FCRA 1681b, which limits the disclosure of account numbers to protect consumer privacy. I am requesting that this account be blocked and removed immediately due to this violation.

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 2025-04-20 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: AZ

Complaint narrative:
I am disputing an account that appears on my credit report showing as XXXX. This account number is not fully masked and violates my rights under FCRA 1681b, which limits the disclosure of account numbers to protect consumer privacy. I am requesting that this account be blocked and removed immediately due to this violation.

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 2025-04-20 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: AZ

Complaint narrative:
I am disputing an account that appears on my credit report showing as XXXX. This account number is not fully masked and violates my rights under FCRA 1681b, which limits the disclosure of account numbers to protect consumer privacy. I am requesting that this account be blocked and removed immediately due to this violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am filing this formal complaint against XXXX  for their ongoing failure to conduct a complete, lawful, and transparent investigation into several disputed accounts on my credit report. I have submitted multiple disputes regarding these accounts, including sending certified letters requesting documentation and a thorough reinvestigation. Despite this, XXXX  has not taken appropriate action, has not provided documentation, and continues to report inaccurate and unverifiable information in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

Disputed Accounts & Concerns : 1. American Express ( 3 Separate Accounts ) I never authorized or gave permission for American Express to use or retain my personal information.

American Express continues to access my credit file without my consent, which I consider a violation of my privacy. 
These accounts are not reported with XXXX, yet XXXX  continues to report them without providing any legal documentation or signed agreement verifying the accounts. 
I have received no contractual evidence to justify these entries, despite multiple written requests. 

XXXX. XXXX XXXX is reporting as my mortgage servicer, but I have verified through the XXXX XXXX XXXX XXXX XXXX that they are not listed as the mortgage holder. 
They have failed to provide proof of ownership, proof of transfer, or any original loan agreement. 
XXXX is reporting : Incorrect balances Incorrect monthly payments Conflicting transfer dates ( claiming transfer in XX/XX/year>, but reporting began in XX/XX/year> ) No proof of escrow disbursement The homeownership title with XXXX XXXX was not under XXXX name, further proving the lack of verification. 

XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX ) I have never signed a contract with XXXX XXXX XXXXXXXX XXXX XXXX for any service. 
I have requested proof of debt ownership, including a contract or legally binding agreement. XXXX has failed to provide any documentation. 
This account is not listed with XXXX, yet XXXX  continues to report this unverified collection. 

Additional Details : All the above accounts are not being reported by XXXX, further indicating inconsistencies and a failure by XXXX  to maintain accurate reporting. 
Despite my repeated disputes, XXXX  continues to allow these accounts to remain, damaging my credit score and credibility. 
XXXX actions ( or lack thereof ) are not only negligent, but violate FCRA protections, including the requirement to delete unverifiable or inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: Radius Global Solutions LLC
State: FL

Complaint narrative:
I am filing this formal complaint against XXXX  for their ongoing failure to conduct a complete, lawful, and transparent investigation into several disputed accounts on my credit report. I have submitted multiple disputes regarding these accounts, including sending certified letters requesting documentation and a thorough reinvestigation. Despite this, XXXX  has not taken appropriate action, has not provided documentation, and continues to report inaccurate and unverifiable information in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

Disputed Accounts & Concerns : XXXX. XXXX XXXX ( XXXX Separate Accounts ) I never authorized or gave permission for XXXX XXXX to use or retain my personal information. 
XXXX XXXX continues to access my credit file without my consent, which I consider a violation of my privacy. 
These accounts are not reported with XXXX, yet XXXX  continues to report them without providing any legal documentation or signed agreement verifying the accounts. 
I have received no contractual evidence to justify these entries, despite multiple written requests. 

XXXX. XXXX XXXX is reporting as my mortgage servicer, but I have verified through the XXXX XXXX XXXX XXXX XXXX that they are not listed as the mortgage holder. 
They have failed to provide proof of ownership, proof of transfer, or any original loan agreement. 
XXXX is reporting : Incorrect balances Incorrect monthly payments Conflicting transfer dates ( claiming transfer in XX/XX/year>, but reporting began in XX/XX/year> ) No proof of escrow disbursement The homeownership title with XXXX XXXX was not under XXXX name, further proving the lack of verification. 

XXXX. Radius Global Solutions ( XXXX XXXX Account ) I have never signed a contract with Radius Global Solutions XXXX XXXX for any service. 
I have requested proof of debt ownership, including a contract or legally binding agreement. Radius has failed to provide any documentation. 
This account is not listed with XXXX, yet XXXX  continues to report this unverified collection. 

Additional Details : All the above accounts are not being reported by XXXX, further indicating inconsistencies and a failure by XXXX  to maintain accurate reporting. 
Despite my repeated disputes, XXXX  continues to allow these accounts to remain, damaging my credit score and credibility. 
XXXX actions ( or lack thereof ) are not only negligent, but violate FCRA protections, including the requirement to delete unverifiable or inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security XXXX XXXX a resident of XXXX XXXX XXXX, XXXX, TX XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
XXXX Attached Documentation : I have attached the following documents to verify my identity and process my request : d. A copy of my drivers license or government-issued ID.

e. A copy of a recent utility bill or bank statement confirming my current address.

f. A copy of my Social Security Number.

6- Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

7- Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 

Sincerely, 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 2025-04-19 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:
I recently reviewed my credit report and noticed fraudulent unauthorized inquiries on my Experian report due to identity theft in XXXX of XXXX I Have filed a FTC report as well as a police report to assist in the removal of these unauthorized inquiries. thank you XXXX XXXX XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2025-04-19 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: Early Warning Services, LLC
State: CA

Complaint narrative:
I am filing this complaint against Early Warning Services , LLC due to their continued reporting of inaccurate and discrepant information on my consumer file, which is the result of identity theft and does not reflect any legitimate accounts or activity authorized by me. 

The following entries are erroneous and reflect inconsistencies, unverifiable transactions, and information that materially misrepresents my banking behavior : XXXX XXXX XXXX ( Routing # XXXX Account # XXXX ) Listed as Account Abuse and marked Unpaid with a loss of {$200.00} I have never opened this account, and I dispute its validity entirely Status : Closed for Cause Purged This classification implies misconduct or bank policy violation on my part, which is false and unfounded. 

XXXX XXXX ( Account # XXXX ) Reported with multiple NSF and overdraft items which I do not recognize. 

There is a discrepancy in the balance history and the actual activity reported. 

These accounts contain severe inconsistencies and inaccurate historical balances, check activity, and account statuses that are not mine. Early Warning has failed to properly verify or correct these discrepancies even after being notified. 

I have submitted a legally binding FTC Identity Theft Report ( No. XXXX ), signed and dated XX/XX/2025, which clearly outlines that I am the victim of identity theft, including detailed references to accounts at XXXX XXXX XXXX and XXXX Bank which were fraudulently opened using my personal information. 

By continuing to report this information, Early Warning is violating the following federal provisions : 15 U.S.C. 1681e ( b ) : Duty to maintain maximum possible accuracy 15 U.S.C. 1681i : Duty to reinvestigate disputed information 15 U.S.C. 1681c-2 : Right to block information resulting from identity theft 15 U.S.C. 1681s-2 ( b ) : Duties of furnishers upon receiving notice of a dispute UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) : Misleading retention and dissemination of known inaccurate information These inaccurate reports are now harming my ability to open legitimate accounts and access financial services.

Company response to consumer: Closed with explanation