vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting XXXX XXXX XXXX I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within XXXX ( XXXX ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer XXXX credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer XXXX credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
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 2025-05-14 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:
I made a purchase with XXXX after the vendor confirmed they do not post unless I am delinquent. Today I received a notice that they posted today. The first payment was not even due until the XXXXXXXX XXXX XXXX I proceeded to pay the entire amount in full today and contacting them to remove the account from my report. I also have a voice recording of their customer support agent stating that they do not report which I will include.

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 2025-05-14 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: TN

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 XXXX 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 2025-05-14 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: Experian Information Solutions Inc.
State: VA

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 explanation
Consumer complaint received 2025-05-14 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: VA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weber & Olcese, PLC
State: MI

Complaint narrative:
On XX/XX/year>, I filed a complaint against Weber & Oclese, PLLC, whom represents XXXX requesting validation of the alleged debt. On XX/XX/year>, Weber & Oclese responded saying their representation of XXXX was on hold until the debt was verified. These materials and documents were never sent. Per 15 USC, if validation of an alleged debt is not satisfied within 30 days of request, that alleged debt must deleted and removed from all reporting to the Credit Bureaus and dismissed from the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: CA

Complaint narrative:
I am attaching a FTC report containing 5 fraudulent accounts as well as fraudulent inquiries. I saw online that I could get some relief from being a victim of identity theft by filing these accounts to be honored under FCRA 605b blocked and deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: CA

Complaint narrative:
I am attaching a FTC report containing 5 fraudulent accounts as well as fraudulent inquiries. I saw online that I could get some relief from being a victim of identity theft by filing these accounts to be honored under FCRA 605b blocked and deleted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The bureaus have informed me that they received my information and dispute letter, but refused to investigate further, claiming I used a credit repair company. Ive been repeatedly dismissed by the bureaus for months, and its becoming extremely frustrating.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorizes accounts/information reporting to my credit report. These remarks have been determinate to my life and credit health.

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 2025-05-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorizes accounts/information reporting to my credit report. These remarks have been determinate to my life and credit health.

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 2025-05-14 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: Servicer under contract with Federal Student Aid
State: NJ

Complaint narrative:
I am filing this complaint because my consumer rights under federal law have been violated. There are unauthorized hard inquiries, collections, and fraudulent accounts appearing on my credit report without my knowledge, consent, or verifiable authorization. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( c ), a consumer reporting agency may only provide a credit report if there is permissible purpose. These inquiries and accounts do not meet that requirement and were reported without my written authorization, in violation of 15 U.S. Code 1681b ( a ). Furthermore, per 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information must provide accurate information. Reporting fraudulent or unauthorized accounts and collections violates this duty. I have disputed these inaccuracies with the credit reporting agencies and the furnishers, pursuant to 15 U.S. Code 1681i ( a ), which mandates a reinvestigation of disputed information. However, these items remain, despite the lack of lawful validation. Also, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692e ( 8 ), it is unlawful for a debt collector to communicate false information, including the reporting of debts they know or should know are inaccurate or unverified. I am requesting immediate removal of all unauthorized inquiries, fraudulent accounts, and collections from my credit report, and for this matter to be fully investigated and resolved in accordance with my rights under the FCRA and FDCPA. I have attached my identity theft report.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
My credit card was stolen and utilized in XXXX XXXX XXXXXXXX, i have not traveled to XXXX XXXX these charges are fraudulent and not mine see attached ftc affidavit for those charges please have these charges removed off my account!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-14 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: AR

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-14 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: Nelnet, Inc.
State: WI

Complaint narrative:
I disputed my student loans with the Dept of Education thru Nelnet. I filed bankruptcy in XXXX. XXXX XXXX. I have mailed records directly to Nelnet. Disputed records with all 3 credit report companies. Two have corrected the information to state included in bankruptcy and reporting XXXX balance due. XXXX  is stating it's correct. I included pictures of the pages filed in bankruptcy that included the lender and amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group
State: MD

Complaint narrative:
CKS PRIME INVESTMENTS I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provided Certified Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: TN

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 XXXX 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 explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I am writing to dispute the accuracy of certain information contained in my credit report. This letter is a formal request, under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information they report. This information is inaccurate and damaging to my credit profile. I am requesting that the item be delete it from my credit file in accordance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: IL

Complaint narrative:
My personal information has been exposed in a National Data Breach. Subsequently while reviewing my report, I'm unfamiliar with several accounts. I have asked the Credit Reporting Agency for validation of debt although the information has not been provided. 

I have attached the following documents due to exposure and submitted an FTC complaint in regard to reporting the information. 

* DATA BREACH DOCUMENTATION * SS CARD and ID * VALADATION LETTER * FTC REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma, LLC
State: PA

Complaint narrative:
A secured credit card line from credit karma was supposedly open in my name and then the account was closed due to inactivity I never applied for a secured credit card with credit karma I never received a credit card from them as well so how it was report to the credit bureaus and I would like the accounts removed from all 3 credit reports cause I never applied for credit I had applied for a credit karma checking account and I received a debit card for that account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: Experian Information Solutions Inc.
State: NC

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 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 2025-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Law Office of Michael J. Scott, PC
State: CA

Complaint narrative:
I was contacted by XXXX XXXX XXXX regarding a debt originally owed to XXXX in the amount of {$2500.00}. I was served with a lawsuit and wanted to resolve the matter before going to court. 

On or around XX/XX/year>, during a phone call with XXXX of their representatives, I overheard them speaking while they thought they were muted. The representative said to another person, Why do debtors have to be such XXXX? Im trying to, Im trying too, no they XXXX before abruptly hanging up when they seemed to realize I could hear them. 

This language was completely unprofessional, offensive, and may be a violation of the Fair Debt Collection Practices Act, particularly under 15 U.S.C. 1692d ( 2 ), which prohibits the use of abusive or profane language in connection with debt collection. 

Despite this, I agreed to settle the debt and made a payment of {$1800.00} on XX/XX/year>. I was told I would receive a written settlement agreement by mail or fax and that they would file a dismissal of the lawsuit within 30 days. 

I am filing this complaint because I believe the conduct of the representative was unacceptable and potentially unlawful. I also want to ensure the company follows through with their obligation to dismiss the lawsuit and confirm that my debt is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: GA

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and 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 2025-05-14 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:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and 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