vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized hard inquiries and unauthorized account on my credit report, specifically with TransUnion. Despite my repeated efforts to resolve this issue directly with TransUnion and the company responsible for these inquiries, they have refused to remove them from my credit report. On XX/XX/year>, XX/XX/year>, and XX/XX/year>, I noticed a unauthorized accounts listed on my TransUnion credit report. I disputed these accounts and inquiry directly with TransUnion through their representatives over the phone, but I was informed that the option to dispute hard inquiries online had been removed. Instead, I was instructed to dispute these inquiries by mail, despite having already submitted disputes on the aforementioned dates, with no resolution. The unauthorized account are the result of actions taken by XXXX. I have confirmed that this account were made without my permission or authorization. Furthermore, as defined under 15 U.S.C. 1693 ( a ) 2, nor have I ever authorized any credit account or report to be obtained from them. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which prohibits any person from using or obtaining a consumer report for any purpose unless : The consumer report is obtained for a purpose for which it is authorized to be furnished under this section ; The purpose is certified in accordance with 15 U.S.C. 1681e by a prospective user of the report through a general or specific certification. This unauthorized account clearly violate these provisions, and as such, I am requesting the immediate removal of all unauthorized accounts, related to XXXX. from my TransUnion credit report. The inquiry were obtained without my consent, and the company failed to comply with the legal requirements outlined in the FCRA. I have also filed a report with the Federal Trade Commission ( FTC ) regarding these false and unauthorized hard inquiry. Despite the involvement of the FTC and my ongoing efforts to address this matter, TRANSUNION has refused to take appropriate action to rectify the situation. Enclosed are copies of relevant documentation, including my previous dispute attempts, any correspondence with TransUnion, the FTC report, and any supporting evidence showing that I did not authorize these inquiries. I kindly request that the Consumer Financial Protection Bureau investigate this matter promptly and ensure that TransUnion takes the necessary actions to remove these unauthorized inquiries in accordance with the Fair Credit Reporting Act.

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 2025-05-19 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: GA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX TransUnion credit report on XX/XX/scrub>XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am demanding the immediate deletion of the inaccurately reported collection account by XXXX XXXX XXXX from my credit file due to clear violations of the Fair Credit Reporting Act ( FCRA ) and potentially the Fair Debt Collection Practices Act ( FDCPA ). 

The same alleged debt is being reported under multiple, inconsistent account numbers across all three major credit bureaus : - Equifax : Account # XXXX - XXXX : Account # XXXX - XXXX  : Account # XXXX This is misleading, confusing, and factually inaccurate. It may also constitute duplicate reporting or re-aging of debt, both of which are illegal under federal law. Furthermore, if this debt can not be validated with accurate documentation proving ownership, balance, and chain of assignment, it must be deleted immediately. 

This is a formal dispute and demand for deletion, not correction. 

You are hereby put on notice : - If this account is not removed within 30 days, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 
- I will also consider taking legal action for damages due to inaccurate credit reporting and harm to my creditworthiness. 

I demand that this collection account be : 1. Permanently deleted from all three credit bureaus.

2. Accompanied by written confirmation of removal within 30 days as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: GA

Complaint narrative:
This company is reporting information to potential creditors that they arent reflecting accurately on my credit report. They have on multiple occasions provided scores that are grossly incorrect causing me to be denied for everything from housing to auto loans and much more but when I request a copy of what theyve provided to the creditor it doesnt match what theyve provided me when I get denied and request a copy of said report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the XXXX mentioned stated below : Current Address and Name : My full name is : 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 non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Capital One Customer Service Subject : FORMER EMPLOYEE URGENT DEMAND TO UNLOCK MY ACCOUNT & CEASE FRAUDULENT HARASSMENT To Whom It May Concern, I am a former Capital One employee, and I am absolutely furious at the way this institution has handled my account. I was approved for a Capital One credit card earlier this month ( [ last XXXX digits XXXX ), I used the digital card for legitimate purchases at distokid and hypedidit, and nowwithout justificationyou have locked my account, accusing me of fraud. This is unacceptable, and I am beyond angry. 

As someone who once worked for this company, I know exactly how verification processes should work. Yet, despite submitting : XXXX months of bank statements WITH ALL Y INFO SHOWING My XXXX passport A clear photo of my state-issued ID My birth certificate A recent piece of mail my account remains frozen with no explanation. Meanwhile, I was denied a rental car because of your incompetence, disrupting my life. This is financial sabotage. 

I am now questioning whether this is sheer negligence or an active attempt to hack/block me from my own credit line. Either way, I demand : Immediate restoration of my account with written confirmation of its good standing. 

A detailed explanation of why this happenedno generic responses from non XXXX speakers Assurance that no internal sabotage or system error is affecting my account. 

If this is not resolved within XXXX hours, I will : File formal complaints with the OCC, and state attorney general. I will also Escalate to XXXX customer service and media outlets. Pursue legal action for damages caused by Capital Ones reckless account handling.

I know how this company operates, and I will not be ignored. Contact me immediately at XXXX Sincerely XXXX XXXX XXXX [ XXXX ] Former Capital One Employee

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I was fraudulently charged 2 transactions on XX/XX/year>XXXX  for {$19000.00} and also on XX/XX/year>XXXX  for {$500.00} by a merchant by the name of XXXX XXXX XXXX XXXX XXXX from XXXX, TX on my Barclays XXXX XXXX Credit Card. I have attempted to dispute and claim the charge as fraud because I NEVER authorized the charges to be made to my card. I never gave them any authorization or signed anything to give them permission to make these 2 charges to my account. I have asked numerous time for the credit card company to investigate so they can see that they were never authorized to charge the card but the credit card company has refused to investigate the charges, even though I have been asking since XXXX of XXXX  that these charges need to be reversed and disputed because it is fraudulent and were never given authorization from myself for these charges to occur.

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 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: CA

Complaint narrative:
To whom it may concern, Earlier this month ( XX/XX/XXXX ) I started receiving multiple emails about online accounts for various businesses being opened in my name. Recently, I received multiple letters from various banks and credit services either saying that my address had been changed ( even though I had no account with these companies ) or that they declined to open an account because of my credit score. I have always had excellent credit, and I have not recently applied for any new accounts this year at all. 

Here 's a list of the letters I have received to date : - US Bank, XX/XX/XXXX : informed on me of address change. ( I do not have an account with US Bank XXXX XXXX XXXX XXXX XX/XX/XXXX : declined a request for a XXXX  account issued by XXXX XXXX XXXX  due to poor credit. ( I do not have poor credit, and I did not apply for a XXXX account ). 

- XXXX on behalf of XXXX accounts on XX/XX/XXXX : declined to approve a request to open an account because of poor credit. ( I do not have poor credit, and I did not apply for an account ) - XXXX XX/XX/XXXX : contacted me to inform me they could not open an account because they could not verify information. The file number they gave me was XXXX. ( I did not apply to open an account with XXXX ). 

My request is that you please cancel and close all accounts opened in my name within the last XXXX months, that you clear any credit requests from my credit for the past XXXX months, and that you put a block on my social security number so that no more requests for account or credit can be opened in my name without my permission. Thank you! 
Thank you for your help with this matter.

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 2025-05-19 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-19 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: MI

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 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 non-monetary relief
Consumer complaint received 2025-05-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This has been a ongoing issue with Experian there incorrect reporting and or no reporting at all continues to cause financial injury to me two creditors has reported that Experian is reporting no credit file see one attached from my own bank.

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 2025-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: EdFinancial Services
State: AZ

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: CA

Complaint narrative:
I have XXXX inquiries on my credit profile with Experian that is not mine XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have placed a freeze on my account

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