vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 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: HI

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN THE DATA BREACH. I CHECKED MY CREDIT REPORT AND NOTICED ADDRESSES BEING REPORTED IN WHICH I NEVER RESIDED. I CONTACTED THE FRAUD DEPTARTMENT AND WAS ADVISED THESE INACCURATE ADDRESSES WOULD BE REMOVED. I FOLLOWED UP WITH LETTERS SENT CERTIFIED MAIL REQUESTING THIS INFORMATION BE REMOVED.

CONTINOUING TO REPORT THIS INACCURATION INFORMATION IS IN VIOLATION OF 15 USC 1681B, I HAVE NOT GIVEN PERMISSION FOR THIS TO BE REPORT. ALSO IN VIOLATION OF 15 USC 1681 EB, AND 15 USC 1681 C-2

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: FL

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN THE DATA BREACH. I CHECKED MY CREDIT REPORT AND NOTICED ADDRESSES BEING REPORTED IN WHICH I NEVER RESIDED. I CONTACTED THE FRAUD DEPTARTMENT AND WAS ADVISED THESE INACCURATE ADDRESSES WOULD BE REMOVED. I FOLLOWED UP WITH LETTERS SENT CERTIFIED MAIL REQUESTING THIS INFORMATION BE REMOVED.

CONTINOUING TO REPORT THIS INACCURATION INFORMATION IS IN VIOLATION OF 15 USC 1681B, I HAVE NOT GIVEN PERMISSION FOR THIS TO BE REPORT. ALSO IN VIOLATION OF 15 USC 1681 EB, AND 15 USC 1681 C-2

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: EQUIFAX, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: DE

Complaint narrative:
Did not receive signature on contract that gave the original creditor the right to give my information to third party identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: OH

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 explanation
Consumer complaint received 2025-03-27 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payments on an account that I was in fact paid on time. the consumer reporting agencies have need to report all information with complete accuracy, this account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/year>. 

I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: AR

Complaint narrative:
XXXX chime has misplaced or taken over {$300.00} from my son XXXX. 
XXXX chime has been taking money from my account which is my sons XXXX and I have reached out and never could talk to anyone. Chime is responsible for the stolen funds from months ago. This is an emergency situation due to financial problems emotional distress etc. chime should be under investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: GA

Complaint narrative:
I RECENTLY NOTICED CREDIT INQUIRIES ON MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT AND SOMEONE HAS ATTEMPTED TO GET AN AUTO LOAN IN MY NAME. I CALLED THE CREDIT BUREAUS AND SPOKE WITH SOMEONE IN THE FRAUD DEPTARTMENT AND WAS ADVISED THESE UNAUTHORIZED INQUIRIES WOULD BE REMOVED. I CHECKED REPORT AND NOTICED THEY ARE STILL BEING REPORTED. 

REPORTING THIS INFORMATION TO MY PROFILE WITHOUT MY PERMISSION IS IN VIOLATION OF 15 USC 1681B AND CONTINUING AFTER I'VE ADVISED THAT I AM A VICTIM OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681C-2

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion is NOT reporting nor updating my score when it should be updated to reflect my report/ account in good standing. I have attached 2 photos for you to review, showing 1 picture where my score with Transunion was once close to XXXX, and now it's down to XXXX, which has caused my score to fall in the **Need Works** category. When reviewing my Transunion report, it shows that the company XXXX reported back in late XXXX 1 missed payment ; however, when I made this payment along with future payments, XXXX submitted to Transunion as well as the other 2 credit agencies that my account is now in excellent standing. 

When reviewing ALL 3 of my credit reports, I noticed that Transunion is the only 1 that has yet to raise my score, so I have attached the 2 pictures for your review. I would like for Transunion to correct this matter ASAP. I have disputed this with Transunion and nothing was done about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: NC

Complaint narrative:
I am writing to dispute the inaccurate late payment entries reported on my auto loan account. Specifically, I am disputing the late payments listed as follows : 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 30 Days Late I believe these late payments were inaccurately reported, and I am requesting their removal from my credit report in accordance with the Truth in Lending Act ( TILA ) and the Fair Credit Billing Act ( FCBA ). 

Legal Grounds for Dispute : Truth in Lending Act ( TILA ) - 15 U.S. Code 1601 et seq.

Under TILA, lenders are required to provide clear and accurate information about the credit terms, including payment schedules, interest rates, fees, and penalties. If I was not properly informed of the terms, including the consequences of late payments or the reporting practices for those payments, this may constitute grounds for the removal of the inaccurate late payments. 
Specifically, I am concerned that I was not properly notified or did not receive adequate information about the penalty for late payments or how they would be reported to the credit bureaus, which may have resulted in unfairly reported late payments.

Fair Credit Billing Act ( FCBA ) - 15 U.S. Code 1666b ( a ) The FCBA ensures that consumers are entitled to accurate and timely reporting of credit information. Under FCBA Section 1666b ( a ), if a reported late payment was not properly validated or was inaccurately reported, it must be corrected. Since I dispute the accuracy of these reported late payments, I am invoking the FCBA to request that the incorrect entries be removed from my credit report.

am entitled to an accurate credit report under TILA and FCBA, and I am requesting that these inaccurate late payments be removed from my credit report as they do not accurately reflect my payment history or the terms of the loan agreement. 

Thank you for your attention to this matter. I look forward to your prompt response and the removal of the incorrect late payment entries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I signed up for XXXX on XX/XX/year> and provided all of my private security information. Immediately after signing up for XXXX, I received an email from Capital One on XX/XX/year> at XXXXXXXX XXXX CST that I was approved for a Quicksilver credit card and I would receive the card in 7-10 business days. I did NOT open this credit card. Yesterday, I received an email from Capital One that my card was shipped. I called Capital One this morning and reported that this card was NOT opened by me and this was fraud. Capital One cancelled the credit card and reported this incident to their fraud department. I have frozen my credit through all three credit bearues, but Capital One confirmed that ALL of my private information ( Address, Phone, SSN, Email ) was accessed by the scammers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: IL

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 2025-03-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: OH

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS 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 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 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 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g LATE PAYMENT CODE 15 USC 1681 BA2 LATE PAYMENT CODE 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Where you live and now I received a piece of mail stating I had a different address I have gotten multiple phone calls saying I owe pills so I am getting a report sent to me and it will show all of the debt taken in my name they said that I needed to file a report and get a case number as well I'm not sure how many credit cards have been taken out in my name or loans that's why I'm getting a report from one of the reporting creditors they said this was the best option for me to start seeing how much was taken out in my name and they also told me to get a case number filed with a police or sheriff 's I have not received the credit cards or bills just gotten multiple phone calls and multiple emails so I'm not sure exactly what is going on and we also received an XXXX package of medication that we never ordered and the medication was out of the package so we're thinking it's male theft and we talked to the post office in XXXX and they told us to get the sheriff 's to do a report as well on theft of identity

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I made an appointment to complete a wire transfer on XX/XX/year> for a vehicle purchase. The vehicle manufacturer, XXXX, also banks with Wells Fargo. The bank representative, XXXX XXXX & her manager, XXXX XXXX, did not recognize the wire account number I provided, so they refused to release my money. They refused even after I spoke with XXXX confirming the account number was correct. They did not offer any assistance or resolution. Just a refusal to complete the wire. The funds are in my account and they had no reason to refuse the transfer. They could have contacted XXXX who would have explained that a separate, unique account number, is given for each order. The bank personnel refused to listen. XXXX sales indicated they've never had a sales purchase refused because of the account number.

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