vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 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: MI

Complaint narrative:
XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove this incorrect information from my credit report Unauthorized hard inquiries The following hard inquiries are a result of identity theft. These companies/ data furnishing companies do not have my permissible purpose to report on my behalf on my consumer report pursuant to 15 USC 1681 Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report. The following inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per 15 USC 1681 Permissible Purposes XXXX I want this hard inquiry removed from my consumer report. The following inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately.

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 2025-01-03 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: MI

Complaint narrative:
XXXX XXXX. US POST OFFICE XXXX POLICE DEPARTMENT XXXX XXXX this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove this incorrect information from my credit report Unauthorized hard inquiries The following hard inquiries are a result of identity theft. These companies/ data furnishing companies do not have my permissible purpose to report on my behalf on my consumer report pursuant to 15 USC 1681 Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report. The following inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Per 15 USC 1681 Permissible Purposes XXXX I want this hard inquiry removed from my consumer report. The following inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately.

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Back XX/XX/year>, I sent the appropriate letters for the Credit Bureau 's specifically Equifax and they never removed it. The issue now is, I own a business and it is hindering me to remove loans because I am the sole owner of the business that they are checking my credit. It still reporting that the Bankruptcy is still on there even though the account is discharged it reflecting poorly on my credit worthiness. I do have a copy of what letter was sent along with removing hard inquiries off my credit report but those haven't been removed either. XXXX XXXX is XXXX of the major XXXX party bureau 's reporting wrong information as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Back XX/XX/year>, I sent the appropriate letters for the Credit Bureau 's specifically XXXX and they never removed it. The issue now is, I own a business and it is hindering me to remove loans because I am the sole owner of the business that they are checking my credit. It still reporting that the Bankruptcy is still on there even though the account is discharged it reflecting poorly on my credit worthiness. I do have a copy of what letter was sent along with removing hard inquiries off my credit report but those haven't been removed either. XXXX XXXX is XXXX of the major XXXX party bureau 's reporting wrong information as well.

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 2025-01-03 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: AZ

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-01-03 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: FL

Complaint narrative:
I am writing to formally file a complaint against TransUnion regarding their handling of my identity theft dispute. TransUnion has claimed that my identity theft affidavit is invalid, and I believe this decision is incorrect and is causing unnecessary delays in the resolution of my case. I am seeking the CFPB 's assistance to ensure my rights are protected and that this issue is resolved promptly. 

, I submitted an identity theft affidavit to TransUnion in response to unauthorized accounts opened in my name. The affidavit provided detailed information about the fraudulent activities, including dates, account numbers, and supporting documentation, as required by federal law under the Fair Credit Reporting Act ( FCRA ). 

However, TransUnion recently informed me that my identity theft affidavit is invalid. They have not provided clear or specific reasons for this determination. Instead, I received a standard stall letter, which fails to address the specific details of my case or explain the rationale for rejecting the affidavit. 

lack of Specific Explanation : TransUnion has not provided a clear, detailed explanation of why the affidavit is deemed invalid, nor have they outlined what additional information, if any, is required. 

Failure to Follow Legal Requirements : Under the FCRA, TransUnion is required to investigate identity theft claims thoroughly and respond with a valid decision based on the information provided. Their refusal to process my affidavit in a timely manner violates these legal obligations. 

Delays and Inaction : TransUnions failure to act promptly has caused significant delays in resolving my case, which has negatively impacted my credit and ability to protect my financial 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 non-monetary relief
Consumer complaint received 2025-01-03 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
on Monday, XX/XX/year> my email and our phone was hacked. I noticed because I started receiving email notifications that someone was requesting pins to reset passwords to several of the apps on my phone. One of those notifications was for XXXX as soon as I started happening, I went into all of my apps and removed the credit card that I had saved on file, but it was too late. The person attempted to charge four different times through XXXX on my Cash app card. My cash app card was locked at the time, but the fourth charge went through according to Cash app the hacker paid using my cash tag even though three transactions were declined. Cash app did not question the fourth transaction. They simply allowed it to go through since XX/XX/XXXX I have attempted to be refunded for that fraudulent transaction. Cash App told me that it would be best to go through XXXX and XXXX sent me back to Cash App both stating that i can submit an appeal to their decision. I submitted the appeal but nothing has been done.I have a pin set to my Cash App for protection. My Cash app card remains locked for protection and yet the hacker was still able to withdraw funds from my cash app account and Im having to fight to get a refund. According to Cash app, my cash tag was used to allow the for transaction to go through, but Ive never added any businesses to my Cash App account. That was all done by the hacker when asked if they have protocol in place to prevent fraud since three of the four transactions were declined the first three transactions. They said yes and provided me with information of all of the things that I can do to protect my account. I have a pin and I keep my card locked I believe I did what I could to protect my account. as for XXXX, the hacker placed the order that immediately canceled it, but I did not receive the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX. XXXX XXXX ( XXXX  ) XXXX XXXX presume that no proof of the alleged debt. No therefore, any such debt in fact, therefore exist. ( please remove these account before I seek litigation for the defamation of character ) XXXX  XXXX auto balance {$29000.00}, XXXX XXXX XXXX balance {$120.00}, XXXX balance {$2700.00}, XXXX XXXX XXXX XXXX balance {$1000.00}, XXXX XXXX XXXX XXXX balance {$1100.00}, XXXX XXXX balance {$830.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX ( XXXX ) XXXX XXXX presume that no proof of the alleged debt. No therefore, any such debt in fact, therefore exist. ( please remove these account before I seek litigation for the defamation of character XXXX XXXX  XXXX XXXX balance {$29000.00}, XXXX XXXX XXXX balance {$120.00}, XXXX balance {$2700.00}, XXXX XXXX XXXX XXXX balance {$1000.00}, XXXX XXXX XXXX XXXX balance {$1100.00}, XXXX XXXX balance {$830.00}.

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 2025-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: DISCOVER BANK
State: PA

Complaint narrative:
I was receiving multiple calls and letters from discover bank, I called them and told them I have no recollection of this debt or had a discover card and asked for them to provide me with proof. A year went by and I did not hear anything then all of a sudden I was getting about 15 calls a day again I said the same thing about proof and this went on for about two months multiple phone calls a day, I spoke with someone again and said please do not call me anymore if you can not provide me with the documentation I have been asking for and they said if I do not pay I can be arrested and they were very aggressive. Now all of a sudden I have a court date and I am being sued by discover bank for the amount of I believe {$3300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: FL

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. 

XXXX : XXXX, XXXX XXXX XXXX, XXXX  : XXXX, XXXX XXXX  : XXXX, has violated my rights. 

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

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

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C. 1681B ( 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 2025-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: OK

Complaint narrative:
XXXX XXXX XXXX is the creditor that sent my debt to the Credence Resource Management, sometime in XXXX i think. I sent all my paid balance statements to 3 bureaus and the collection agency to show them i didnt have any unpaid balance. i also have a recording from the XXXXXXXX XXXX XXXX  support that says i never made a late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
Back XX/XX/year>, I sent the appropriate letters for the Credit Bureau 's specifically XXXX and they never removed it. The issue now is, I own a business and it is hindering me to remove loans because I am the sole owner of the business that they are checking my credit. It still reporting that the Bankruptcy is still on there even though the account is discharged it reflecting poorly on my credit worthiness. I do have a copy of what letter was sent along with removing hard inquiries off my credit report but those haven't been removed either. Lexis Nexus is one of the major third party bureau 's reporting wrong information as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: AK

Complaint narrative:
I disputed an inaccurate entry on my credit report with Equifax regarding a debt reported by XXXX XXXX ( original creditor : XXXX XXXX XXXX  ). The dispute was initiated because XXXX XXXX  failed to provide proper debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ). 

I had sent multiple requests directly to the collector asking for validation of the debt. However, they only sent a bill on XX/XX/year>, which does not constitute valid debt validation. Additionally, I did not receive a validation notice before the account was reported to my credit file, which is a violation of FDCPA requirements. 

Equifaxs investigation concluded on XX/XX/year>, but it did not resolve the issue. Equifax accepted the collector 's claims without ensuring the debt was properly validated. The debt remains on my credit report, despite its unverified status, causing ongoing harm to my creditworthiness. 

I believe Equifaxs investigation failed to address my dispute adequately, as the account remains inaccurate and unverified. I am requesting that the inaccurate account be removed from my credit report until the debt is validated according to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: NJ

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2025-01-03 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: NJ

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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