vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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 was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made 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 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 non-monetary relief
Consumer complaint received 2025-05-02 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: TX

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: OH

Complaint narrative:
tatement Regarding Identity Theft and Data Breach I am writing to formally report that my personal information was compromised as a result of the Equifax data breach that occurred in XXXX. As a consequence of this breach, sensitive data including my name, Social Security number, date of birth, and other identifying details were exposed without my consent. Since then, I have experienced incidents of identity theft and unauthorized use of my personal information, which I believe are directly linked to the data compromised during this breach.

I am requesting that this matter be taken seriously and treated with urgency, as the ongoing misuse of my information has caused significant stress and concern for the security of my financial and personal identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I had autopay on my account but they never took the money out Im assuming thus forcing me to miss a payment considered it a late payment and my account going into a delinquent. I want to have this cleared off thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-05-02 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:
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 2025-05-02 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:
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 2025-05-02 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:
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 explanation
Consumer complaint received 2025-05-02 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: LA

Complaint narrative:
I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I want my credit report to only reflect accurate information, which is why its important all data is verified. These inaccurate items are in pending litigation due to reporting errors on my report. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ).

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 2025-05-02 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: MO

Complaint narrative:
I disputed account on my credit bureau with XXXX this account was originally XXXX XXXX and it was a private loan this loan was filed in XXXX in XXXX under XXXX XXXX and was dismissed XXXX took over XXXX XXXX and now theyre trying to report this as a charge off I submitted the bankruptcy number and they document showing that this account was under bankruptcy and XXXX XX/XX/year> this account fell off my credit file but was placed back on by XXXX XXXX Trans Union and Experian I have disputed with both credit files and it comes back verified submitted all documentation regarding the XXXX and the credit bureau will not remove this account and also there is an credit card account that was charged off and sold to another creditor this account was fraud the creditor that purchased it XXXX funding removed the collection from my bureau because of the fraudulent account the original credit holder will not remove the charged off account even though its been found to be fraudulent I have disputed these accounts over XXXX times sent documentation over XXXX times I dont know what to do they say it comes back verify but they wont tell me verified how

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 2025-05-02 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: United Shore Financial Services, LLC
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Claim " XXXX XXXX' records report and disclosed a XXXX XXXX filing from decades earlier. 

Either " FAIR XXXXXXXX XXXX  '' or XXXX of the XXXX XXXX Credit Bureau XXXX have been disclosing XXXX Government Records showing a decades old XXXX. In addition, XXXX of the XXXX. Refuse to delete an old personal written online statement which refers to the XXXX circumstances. 

As a result, XXXX XXXX disclosed " XXXX '' Government Privacy Records on my XXXX decades old XXXX. Were questioned and used as part of my Mortgage XXXX XXXX. 

Since my XXXX XXXX Range never rises above XXXX. Since my Vehicle is over XXXX yrs old and I may need to apply for auto loans in coming next couple of years. 

Due to the above factors. I am requesting CFPB to [ please ] open a case and investigate potential ( XXXX ) XXXX  Government Disclosure & Privacy Violation from The United States XXXX Bankruptcy XXXX XXXX. XXXX XXXX Entities are Obtaining Privileged Court XXXX " XXXX Case Records '' and disclosing those records to Mortgage Lenders. For refy Mortgage considerations. How is it legal for XXXX  to share consumers decades old XXXX XXXX? Then the Mortgage XXXX to use that private XXXX records when determining XXXX XXXX? How do those out-dated supposedly ineligible records ... Effect that individuals credit scores? How can consumers Dispute the abuse & potential illegal abuse of outdated XXXX XXXX XXXX XXXX XXXX XXXX? 

( XXXX ). A request for XXXX XXXX and XXXX XXXX. To effective immediately please erase any/all " XXXX XXXX XXXX Explanation /Statements ''. 

Due to the fact, I have tried multiple times unscessfully to erase my Credit Bureau online statements regarding addressing the decades old XXXX discharge. 


Would XXXX [ please ] help or address with all XXXX XXXX Credit Bureau XXXX. Due to fact, multiple attempts over decades have failed. 


Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am reporting multiple serious inaccuracies on my TransUnion credit report, specifically pertaining to the XXXX XXXX account an account that was fraudulently opened in my name without my knowledge or authorization. 

While reviewing old records connected to a previously hacked email account, I discovered a forged XXXX contract used to open this XXXX XXXX account. Although my name appears on the form, the signature is not mine it belongs to someone else entirely, whose name I do not recognize and who I have no association with. This is direct evidence of identity theft and document tampering. 

In addition, the same XXXX XXXX account is reporting with a Date Reported of XX/XX/1969 which is factually impossible, as I was not even born at that time. This is a blatant system error or corrupted data entry, and further demonstrates that the information being reported by TransUnion is inaccurate, unverifiable, and in violation of FCRA XXXX ( a ). 

I am requesting the following : XXXX. That TransUnion immediately delete the XXXX XXXX account from my credit report based on the forged signature and fraudulent origin. 
XXXX. That TransUnion fully investigate and correct the inaccurate and impossible Date Reported of XX/XX/1969. 

These issues are materially affecting my creditworthiness and violate my rights under the Fair Credit Reporting Act. Thank you for your immediate attention to 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 explanation
Consumer complaint received 2025-05-02 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: NV

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: STATE BANKSHARES, INC.
State: MN

Complaint narrative:
I was notified by the XXXX XXXX XXXX  in a letter that was dated XX/XX/year>, stating that they were going to issue a levy against my bank account to retrieve funds that I owed them. The letter stated that I could avoid the levy by calling them and making the payment myself. I immediately called them and was informed that my bank had already processed the levy on XX/XX/XXXX, a day before the letter I received was even generated. In fact I then received a letter from Bell bank that was dated XX/XX/year> stating that they had infact processed the levy. The bank had also charged me a {$100.00} transaction fee for processing the levy. I was never given a chance to pay the levy myself and avoid the exorbitant fee, as I was supposed to have the right to do. The bank informed me that when they get these levy requests try to process them before the customer finds out because they are worried about the client trying to withdraw their money before the levy can be processed. So, they very intentionally deprived me of my right to make the payment myself. The bank admitted this was unfair but only offered to reimburse me for half of the transaction fee, {$50.00}, when in fact I should be entitled to the entire {$100.00}.

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 2025-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Fraudulent Accounts - Identity Theft Victim Dear Credit Reporting Agency, I am writing to formally dispute several fraudulent accounts listed on my credit report. I am a victim of identity theft, and I did not authorize or make any charges associated with these accounts. The accounts I am disputing are 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 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 I kindly request that you investigate these accounts and remove them from my credit report, along with any associated charges or debts. I have taken steps to report this theft to the authorities and have included a copy of my identity theft report for your records. Please confirm the removal of these fraudulent accounts and provide me with an updated copy of my credit report once the investigation is complete. Thank you for your prompt attention to this matter. If you need any further information or documentation, please do not hesitate to contact me at the information provided above. Attachments will be provided 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 non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom it May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax Data breach, which exposed my sensitive Data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXXXXXX 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

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 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase is failing to do right and credit my account for {$550.00} which is the fair and appropriate action to be taken. Chase mentioned that they no longer have dispute rights but if you calculate the time frame correctly, the dispute was opened on XXXX which would total to 77 days after the transaction date, therefore falling within the Visa timeframe for a chargeback. I must also add that a chargeback was successfully entered on XXXX which reflected on my checking account as a temporary credit. This further demonstrates that presently a chargeback is an action that can be taken by Chase bank. 
Chase has not provided all relevant documentation that was used during the research process of my claim # XXXX. The incorrect information relayed to me during the claims process led me to believe my account would be permanently credited for the amount of {$550.00}. This incompetence needs to be corrected by Chase.

Company response to consumer: Closed with explanation