vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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 see the attached Affidavit of Truth, which outlines in detail the false, misleading, and unverified information TransUnion continues to report. I have sent multiple dispute letters on the following dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. The most recent letter was a Demand to Comply, and yet TransUnion continues to report inaccurate, unverifiable, and outdated information in violation of multiple provisions of the FCRA. These are the violations I am citing : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681n Civil liability for willful noncompliance 15 U.S.C. 1681o Civil liability for negligent noncompliance 15 U.S.C. 1692k FDCPA civil liability I am now initiating litigation for willful and negligent noncompliance, as I have exhausted all reasonable attempts to resolve these inaccuracies. I am a litigious consumer and hereby serve official notice of pending legal action, seeking monetary compensation for each violation. TransUnion has failed to provide any Method of Verification or response confirming the accuracy or legitimacy of the following accounts : XXXX XXXX, MERCHANTS XXXX XXXX XXXXXXXX. Many of these accounts have already been deleted by XXXX XXXX XXXX, which further highlights the lack of uniformity and accuracy required under 15 U.S.C. 1681b ( e ) ( 6 ). I am demanding that TransUnion immediately remove all accounts listed above and cease any further reporting, as they are unverified, inconsistent, and legally invalid. All correspondence regarding this matter should be sent through the CFPB portal to maintain a proper paper trail.

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 2025-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There is an unauthorized inquiry on my credit report that I do not recognize or consent to. I did not apply for credit with this company, and its presence is causing significant concern and stress.

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 2025-05-06 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: SC

Complaint narrative:
I am a victim of identity theft and the accounts listed are not mine XXXX XXXXXXXX .. Account Number:XXXX XXXX XXXX XXXXXXXX XXXX.Account Number:XXXX XXXX XXXX XXXXAccount Number:XXXXXXXX XXXX XXXX XXXX.Account Number:XXXX XXXXXXXX XXXX XXXX XXXX XXXXccount Number:XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: SC

Complaint narrative:
I am a victim of identity theft and the accounts listed are not mine XXXX XXXXXXXX .. Account Number:XXXX XXXX XXXX XXXXXXXX XXXX.Account Number:XXXX XXXX XXXX XXXXAccount Number:XXXXXXXX XXXX XXXX XXXX.Account Number:XXXX XXXXXXXX XXXX XXXX XXXX XXXXccount Number: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 2025-05-06 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX BALANCED {$1600.00} XXXX XXXX BALANCED {$1400.00} XXXX XXXX XXXX XXXX XXXX {$30.00} These accounts has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
I am submitting this formal complaint regarding unauthorized hard inquiries that appear on my credit report dated XX/XX/year>, from Equifax. These inquiries were not authorized by me, and I have reason to believe they are the result of identity theft. 

The following hard inquiries were made on XX/XX/year> without my knowledge or consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have not applied for credit with any of the above-listed entities. As such, these inquiries are in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681b ( c ) Permissible purposes of consumer reports 15 U.S. Code 1681e ( a ) Reasonable procedures to ensure reports are furnished only for permissible purposes Additionally, I have filed an identity theft report with the Federal Trade Commission ( FTC ) and have documentation to support my claim.

I am demanding the immediate removal of these unauthorized inquiries from my credit file. Failure to act in accordance with federal law may result in further complaints to the appropriate regulatory authorities or legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
I am submitting this formal complaint regarding unauthorized hard inquiries that appear on my credit report dated XX/XX/year>, from Equifax. These inquiries were not authorized by me, and I have reason to believe they are the result of identity theft. 

The following hard inquiries were made on XX/XX/year> without my knowledge or consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have not applied for credit with any of the above-listed entities. As such, these inquiries are in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681b ( c ) Permissible purposes of consumer reports 15 U.S. Code 1681e ( a ) Reasonable procedures to ensure reports are furnished only for permissible purposes Additionally, I have filed an identity theft report with the Federal Trade Commission ( FTC ) and have documentation to support my claim.

I am demanding the immediate removal of these unauthorized inquiries from my credit file. Failure to act in accordance with federal law may result in further complaints to the appropriate regulatory authorities or legal action.

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 2025-05-06 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: FL

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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:
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 explanation
Consumer complaint received 2025-05-06 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: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: PA

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 explanation
Consumer complaint received 2025-05-06 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
I am submitting this formal complaint regarding unauthorized hard inquiries that appear on my credit report dated XX/XX/year>, from Equifax. These inquiries were not authorized by me, and I have reason to believe they are the result of identity theft. 

The following hard inquiries were made on XX/XX/year> without my knowledge or consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have not applied for credit with any of the above-listed entities. As such, these inquiries are in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681b ( c ) Permissible purposes of consumer reports 15 U.S. Code 1681e ( a ) Reasonable procedures to ensure reports are furnished only for permissible purposes Additionally, I have filed an identity theft report with the Federal Trade Commission ( FTC ) and have documentation to support my claim.

I am demanding the immediate removal of these unauthorized inquiries from my credit file. Failure to act in accordance with federal law may result in further complaints to the appropriate regulatory authorities or legal action.

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 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I opened this card and was approve for a XXXX  dollar limit. Immediately upon recieving and activating the card the card was blocked and I had to submit my ID and get a new card. It's been 2 months still don't have a card and have been charged monthly service fees twice. I still haven't been able to make a single transaction or use the card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VI

Complaint narrative:
Existing dispute on account status. Previous mortgage provider lost/did not transfer payment for XX/XX/year> to new mortgage provider. 

New mortgage provider reports account 30 days delinquent. 

Delinquent notice placed in violation of 12 cfr part 1026 ( regulation z ).

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 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Glennon Law Firm, LLC
State: GA

Complaint narrative:
I am submitting this complaint regarding Glennon Law Firm LLC, which is attempting to collect a debt that does not belong to me. I am a victim of identity theft, and this alleged account is fraudulent. Despite notifying the company that I did not authorize or open this account, they have continued their collection efforts without properly investigating my dispute or providing adequate verification of the debt.

I have taken the necessary steps to report the identity theft, including filing a police report and placing fraud alerts on my credit file. I have also submitted documentation to Glennon Law Firm to support my claim. However, they have ignored this evidence and continued to pursue collection. Their actions are causing undue stress and negatively impacting my credit
profile. I am requesting that the CFPB investigate this matter and ensure that Glennon Law Firm LLC ceases collection efforts, removes any negative reporting related to this fraudulent debt, and complies with the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Despite my previous communicationincluding a formal cease and desist requestXXXX XXXX XXXX has verified this debt on my credit report without providing adequate legal validation as required under federal law. 

Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g, I have a right to demand proper validation of this alleged debt, which includes : A signed agreement or contract showing I am legally obligated to this debt, A full account history from the original creditor, and Documentation showing XXXX XXXX XXXX has the legal right to collect on this debt. 

To date, I have not received such documentation. Reporting this unverifiable debt to credit reporting agencies without proper validation constitutes false or misleading representation, violating 15 U.S. Code 1692e.

Furthermore, continued reporting after receipt of my cease and desist letter violates : 15 U.S. Code 1692c ( c ) Collection must cease after written request to stop communication, 15 U.S. Code 1681s-2 ( b ) Duty to investigate disputed information under the Fair Credit Reporting Act ( FCRA ).

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Despite my previous communicationincluding a formal cease and desist requestXXXX XXXX XXXX has verified this debt on my credit report without providing adequate legal validation as required under federal law. 

Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g, I have a right to demand proper validation of this alleged debt, which includes : A signed agreement or contract showing I am legally obligated to this debt, A full account history from the original creditor, and Documentation showing XXXX XXXX XXXX has the legal right to collect on this debt. 

To date, I have not received such documentation. Reporting this unverifiable debt to credit reporting agencies without proper validation constitutes false or misleading representation, violating 15 U.S. Code 1692e.

Furthermore, continued reporting after receipt of my cease and desist letter violates : 15 U.S. Code 1692c ( c ) Collection must cease after written request to stop communication, 15 U.S. Code 1681s-2 ( b ) Duty to investigate disputed information under the Fair Credit Reporting Act ( FCRA ).

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 2025-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Chime Financial Inc
State: AZ

Complaint narrative:
chime receives funds from my external account, then holds the funds for days before they make it available

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: IL

Complaint narrative:
This is not an Error complaint. There are a lot of false and not 100 % accurate information in my credit report. I am very upset and stress to think that this is affecting me negatively!

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 2025-05-06 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: NV

Complaint narrative:
Theres inaccuracies on the Chase account and there failing to verify XXXX the reporting dates are showing different on all XXXX credit reports

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 2025-05-06 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: NV

Complaint narrative:
Theres inaccuracies on the XXXX account and there failing to verify XXXX the reporting dates are showing different on all XXXX credit reports

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