vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-29 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 a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX XXXX  XXXX Balance : {$460.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: PA

Complaint narrative:
Hi my name is XXXX XXXX XXXX XXXX i noticed multiple inaccuracies on my credit report. The accounts listed are identity theft and were not by me, i didnt make this charge. Please remove immediately to correct my file. Thank you!

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 2025-03-29 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:
Hi my name is XXXX XXXX XXXX XXXX i noticed multiple inaccuracies on my credit report. The accounts listed are identity theft and were not by me, i didnt make this charge. Please remove immediately to correct my file. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Viking Client Services
State: IL

Complaint narrative:
I rented a car from XXXX and returned it without any damage. However, later I received a claim stating that I was responsible for damage. I was not informed of any issues at the time of return, and I did not sign any documents acknowledging damage. 

When I contacted XXXX, they did not provide any photo evidence of the damage or an inspection report. Despite my request for proof, the claim was forwarded to Viking Client Services for collection. 

Additionally, the claim mentions tree fall damage, which is unrelated to my rental and was never communicated to me before this claim. I have attempted to dispute this with XXXX and Viking Client services, but they have not provided any supporting documentation. 

I believe this claim is unfair and lacks sufficient evidence. I am requesting that it be dropped, as there is no proof that I caused any damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: LA

Complaint narrative:
Please take immediate action to block and remove the unauthorized accounts from my credit report. I did not initiate these accounts, nor am I aware of their origins. Under USC 1681g, I formally request their removal within 15 days. Enclosed are relevant documents for your reference. Additionally, there are inconsistencies in account details being reported across different credit bureaus.

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 2025-03-29 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: CA

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 2025-03-29 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: MD

Complaint narrative:
I certify that the information above is true and accurate to the best of my knowledge under penalty of perjury ( under the laws of the United States, if carried out outside the United States ). Additionally, I certify that I am authorized to file this dispute under FEDERAL and STATE LAW. Additionally, I am aware that material factual misstatements or omissions are a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001.

Additionally, under 18 U.S.C. 1621, these false statements are illegal. The items discovered in my credit report that I've listed on the pages below have nothing to do with any purchases I made. I claim that someone or some organization used my personal information without my consent to apply for goods, services, or money and was successful in opening some accounts. Please take the items out as soon as you can. If you believe this to be untrue, please swear under oath that you witnessed these transactions.

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 2025-03-29 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: NJ

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX, residing at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, filed a formal dispute with TransUnion regarding fraudulent and egregious inaccuracies on her credit report dated XX/XX/XXXX, which have severely damaged her financial standing, as evidenced by her XXXX Score XXXX of XXXXbelow the average for U.S. consumers ( Page XXXX ). The report falsely lists negative items : XXXX XXXX ( Page XXXX ), reported with XXXX late payments, balance {$5700.00}, XXXX days past due, updated XX/XX/XXXX ; an unidentified account with a derogatory indicator ( Page XXXX, Number of your accounts that were ever XXXX days late or worse or have a derogatory indicator : XXXX accounts ) ; XXXXXXXX XXXX ( Account Number : XXXX, Page XXXX ), a collection account for {$810.00} with original creditor XXXX XXXXXXXX XXXX XXXX XXXXXXXX, opened XX/XX/XXXX ; and a high credit usage ratio of 180 % ( Page XXXX ), despite no revolving credit balances reported ( Page XXXX, Credit used : {$0.00}, Credit limit : {$0.00} ). These violations breach the Fair Credit Reporting Act ( FCRA, XXXX XXXX. XXXX ( b ) and XXXX ) and XXXX XXXX standards, including : missing payment history for XXXX XXXX XXXX XXXX XXXX XXXX, Field XXXX, bytes XXXX ) ; missing account identification and payment history for the unidentified account ( XXXX XXXX XXXX, XXXX ) ; missing date of first delinquency for XXXX XXXX ( XXXX XXXX XXXX, Field XXXX, bytes XXXX ) ; and an unverifiable credit usage ratio of 180 % ( XXXX XXXX XXXX, Fields XXXX and XXXX, bytes XXXX and XXXX ), which contradicts the reported {$0.00} credit used and {$0.00} credit limit ( Page XXXX ). TransUnions systemic failure to ensure accurate reporting is evident in the XXXX XX/XX/XXXX, lawsuit ( XXXX XXXX XXXX for the XXXXXXXX XXXX XXXX XXXX, Case No. XXXX ), which alleges that TransUnion conducted sham investigations XXXX uncritically accepted furnishers responses despite evidence of unreliability, and improperly reinserted inaccurate datapractices that directly mirror the issues in XXXX XXXX case. These failures have caused XXXX XXXX severe emotional distress, financial harm, and lost opportunities. XXXX continued negligence in reporting unverifiable data exacerbates the harm to consumers like 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 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-03-29 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: TN

Complaint narrative:
I have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I discovered unauthorized and fraudulent charges on my Apple Card totaling {$43000.00}. These charges originated from two companies : XXXX. XXXX XXXX Transaction Date & Time : XX/XX/year> at XXXX Single Transaction Amount : {$2200.00} Total Charged : {$4500.00} ( multiple unauthorized charges over time ) XXXX. XXXX XXXX Recurring Charge : {$1700.00} each month Total Charged : {$38000.00} I never authorized these transactions, nor did I ever use any services or products from these merchants. As soon as I noticed the fraudulent activity in 2022, I disputed the charges through my Apple Card dispute process. However, the charges continued, and both XXXX XXXX and XXXX XXXX kept billing my card without my knowledge or consent. 

Despite repeated attempts to resolve this with Apple and explaining that the charges were fraudulent, Apple did not provide any help or resolution. Under federal law ( Regulation Z for credit cards, among other consumer protections ), my card issuer is required to assist in investigating and resolving unauthorized charges, but I received no satisfactory explanation or refund from Apple or its card-issuing bank. 

Steps Taken XXXX. Filed a Dispute : I promptly contacted Apple Card support to dispute the unauthorized transactions. 
XXXX. Follow-Up Communication : I repeatedly communicated that these ongoing charges were fraudulent and requested immediate cancellation or a block on the card. 
XXXX. Request for Replacement Card : I also specifically requested a replacement card to prevent further unauthorized activity, but no effective action was taken. 

Impact XXXX. Financial Loss : The total amount of unauthorized charges is significant ( {$43000.00} ), which I should not be held responsible for. 
XXXX. Ongoing Concern : These charges continued over multiple billing cycles, causing ongoing stress and potential damage to my financial standing. 
XXXX. Lack of Resolution : Apples lack of a timely and satisfactory response has left me without proper recourse and continues to jeopardize my financial well-being. 

What I want. 

XXXX. Full Refund : I request an immediate credit or reimbursement for the total fraudulent amount of {$43000.00}. 
XXXX. Replacement Card : A compromised card should be replaced to prevent future unauthorized charges. 
XXXX. Investigation & Compliance : I expect Apple ( and its banking partner ) to conduct a thorough investigation, comply with applicable consumer protection laws, and provide a clear explanation of how these charges were allowed and why my initial disputes were not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Dear Experian, XXXX and Experian, Subject : Dispute of Credit Reporting Errors I am writing to formally dispute inaccuracies in my credit report as provided by Experian, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). This dispute is in light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian, which highlights significant concerns regarding the accuracy and integrity of credit reporting practices. 

According to the CFPBs complaint, Experian has been accused of failing to ensure the accuracy of the information it reports, which has resulted in consumers being unfairly harmed. As a consumer, I am deeply concerned about how these practices may have affected my credit report and my ability to secure fair credit terms. 

Specifically, I am disputing the following entries on my credit report : XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00} XXXX XXXXXXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$570.00} XXXX XXXXXXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$770.00} XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of. {$670.00} XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00} XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1500.00} XXXXXXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$670.00} I request that you investigate these matters promptly and take the necessary steps to correct any inaccuracies. Under the FCRA, I have the right to dispute any information that I believe is incorrect, and I expect a thorough review of my claims. 

Please provide me with a written response to my dispute within XXXX  days, as required by law. Additionally, I would appreciate a copy of my updated credit report once the investigation is complete. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: VA

Complaint narrative:
I did not authorize this inquiry and had no communication with the lender on the specified date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-03-29 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: TN

Complaint narrative:
I requested Equifax to delete XXXX inquiries and XXXX collection off my credit report. I submitted a certified letter with a notarized letter attached.to the dispute. Along with my SS card ( copy ) and a copy of my driver 's license. As well as a proof of residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: KY

Complaint narrative:
I was trying to send back a laptop that wouldnt turn on and showed on the slip that it was the wrong Hard drive size then ordered and they voided the return policy saying I couldnt send it back and now XXXX wont help me with my dispute saying no evidence to substantiate the claim even though I literally sent in proof of {$360.00} XXXX even said it would be refunded because they did break my XXXX money back guarantee

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-29 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:
I am writing to formally dispute the inaccurate, misleading, and/or unverifiable information on my credit report as maintained by [ Credit Bureau Name ] , in accordance with my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

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