vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

Company 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 2025-03-28 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: PA

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2025-03-28 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-28 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: Affirm Holdings, Inc
State: NC

Complaint narrative:
What happened : Affirm suspended my virtual card in XXXX without notice. After over a month of being given generic responses and escalations, I was finally told today that the card was suspended due to an unauthorized card security code attempt with a merchant Ive never heard of. I never received any notification or fraud alert, and Affirm gave me no opportunity to verify or dispute the charge. 

I had to chase down this information through multiple chats, only to be told repeatedly that my case was under review with no timeline. A supervisor refused to escalate my issue further or give me contact to anyone above them. 

This suspension has made it impossible for me to use Affirm unless its integrated at checkout with a partner. The entire situation was handled poorly, with a lack of transparency, failure to notify, and no real resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The Department of Education opened loans that I Never applied for Nobody at the agency knows anything and can not provide accurate information. I called three times. When I asked for promissory notes they sent me my daughters information. This is documented. I am so angry someone fraudulently opened accounts in XXXX and XXXX without my consent. These loans are fraudulent.

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 2025-03-28 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: GA

Complaint narrative:
Equifax had a data breach and there are several wrong items on my 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
Consumer complaint received 2025-03-28 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: GA

Complaint narrative:
Equifax had a data breach and there are several wrong items on my 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
Consumer complaint received 2025-03-28 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: GA

Complaint narrative:
information is still reporting inaccurately on my credit file, this account is inaccurate and in violation on 15 USC 1681 eb. please correct this issue 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 2025-03-28 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: PA

Complaint narrative:
Report Number XXXX Date Generated XX/XX/year> XXXX XXXX XXXX XXXX, XXXX PA XXXX Address Updated Information on this item has been updated as shown above. 

XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX Address Updated Information on this item has been updated as shown above. 

XXXX XXXX XXXX XXXX, XXXX PA XXXX Address Updated Information on this item has been updated as shown above. 

XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX Address Updated Information on this item has been updated as shown above. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX PA XXXX Address Updated Information on this item has been updated as shown above. 

XXXX XXXX XXXX XXXX, XXXX PA XXXX Address Updated Information on this item has been updated as shown above. 

XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX Address Updated Information on this item has been updated as shown above. 

XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX Address Updated Information on this item has been updated as shown above. 

XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX Address Updated Information on this item has been updated. 
They didn't update my address as I request them this is the third time that I try to correct my information they keep denied.

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Report Number XXXX Date Generated XX/XX/year> XXXX XXXX XXXX XXXX, XXXX PA XXXX Address Updated Information on this item has been updated as shown above. 

XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX Address Updated Information on this item has been updated as shown above. 

XXXX XXXX XXXX XXXX, XXXX PA XXXX Address Updated Information on this item has been updated as shown above. 

XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX Address Updated Information on this item has been updated as shown above. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX PA XXXX Address Updated Information on this item has been updated as shown above. 

XXXX XXXX XXXX XXXX, XXXX PA XXXX Address Updated Information on this item has been updated as shown above. 

XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX Address Updated Information on this item has been updated as shown above. 

XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX Address Updated Information on this item has been updated as shown above. 

XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX Address Updated Information on this item has been updated. 
They didn't update my address as I request them this is the third time that I try to correct my information they keep denied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: NC

Complaint narrative:
Dear Experian Dispute Department, I am writing to formally dispute the accuracy of the " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts on my credit report. These accounts have been reported as charged off for multiple months, which I believe to be inaccurate and a violation of the Fair Credit Reporting Act ( FCRA ). According to FCRA guidelines, all information reported must be maximally accurate, and multiple charge-off notations for the same accounts may constitute incorrect or misleading reporting.

I request a thorough reinvestigation into this discrepancy. If the repeated charge-off entries are found to be inaccurate, I ask that the accounts be removed entirely from my credit report to ensure compliance with FCRA regulations .

Thank you for your prompt attention to this matter. Please confirm receipt of this dispute and keep me informed throughout the process.

Best regards,

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 2025-03-28 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: GA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : 1. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXXXXXX XXXX Account Number XXXX XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

2. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry XXXX XXXX  Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry XXXX XXXX Date of Inquiry : XX/XX/XXXX Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ).

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry.

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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:
There are multiple inaccuracies on my credit report that must be removed without delay. Some contain incorrect details that do not match my records, others are entirely unfamiliar, and several have been reported without proper verification. These discrepancies violate the FCRA, which requires all information to be 100 % accurate and backed by legitimate documentation. 

To resolve this matter fairly, I demand that all inaccurate items be permanently removed from my credit report. If the reporting entities can not provide legitimate proof confirming their accuracy, they have no legal right to remain on my file. I expect immediate corrective action to restore the integrity of my credit profile.

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have been trying to lift a temporary freeze with TransUnion, and each time Im having errors once I login to unfreeze my credit profile. I was able to speak with a representative and then a supervisor today and the supervisor explained to me that the reason why I am having issues accessing the credit freeze portion or anything on my transUnion account is because somebody elses information is attached to my identity verification portion of my TransUnion account. This is highly concerning for me, because I am already a victim of identity theft. Hence why I keep a security freeze on all of my credit bureaus. This has caused me an inconvenience with temporary lifting a freeze on my own credit report with TransUnion because someone elses information is attached to my identity verification. At this point, I can not access my account on TransUnion to even lift my freeze so that I can apply for credit because of this situation. There are many things on my credit report that do not belong to me because of identity theft, that I am being held liable for, and it is very unfair.

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 2025-03-28 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Red Target LLC
State: FL

Complaint narrative:
according to them an account was open in my name on XX/XX/year>. for my company that closed due to covid this is not my account and accounting 15 us code 1681 of FCRA using my information to gain money for a bankrupt business harassing phone calls and the statute of limitation in Florida my business has been closed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mercedes Benz Financial Services
State: NJ

Complaint narrative:
Back in XXXX I purchased a car with Mercedes Benz Financial. Due to unfortunate circumstances because of the pandemic I started to have financial difficulties and had to defer some payments. They allowed this. I recently see that this company has reported that I have late payments instead of deferred. This is untrue. I checked my credit report and they also have reported me late in XX/XX/XXXX when I was no longer in possession of the vehicle. In XXXX I sold the vehicle back to the XXXX  dealership I purchased the vehicle from. My best guess is they did not pay the car note even though it was in their possession. It was no longer my responsibility to make payments as paperwork were signed by me and them that they now own the vehicle. On my credit report it shows that they received the vehicle back XX/XX/XXXX which is incorrect they received the car early XX/XX/XXXX and I have paperwork to prove that. This account is fully paid and settled. I would like them to report accurately and remove all negative information off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I completed the Security Freeze Proof of Identity form in the presence of a notary. The Notary included documentation verifying my identity through two or more of the ways requested in the Security Freeze Proof of Identity form. The Notary provided their notary stamp, date, and signature verifying my identity. After receiving the notarized security freeze Proof of Identity form on XX/XX/year>2025, XXXX  sent a letter saying my information is illegible or doesn't match, which is a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: CA

Complaint narrative:
There are multiple inaccuracies on my credit report that must be removed without delay. Some contain incorrect details that do not match my records, others are entirely unfamiliar, and several have been reported without proper verification. These discrepancies violate the FCRA, which requires all information to be 100 % accurate and backed by legitimate documentation. 

To resolve this matter fairly, I demand that all inaccurate items be permanently removed from my credit report. If the reporting entities can not provide legitimate proof confirming their accuracy, they have no legal right to remain on my file. I expect immediate corrective action to restore the integrity of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
Credit Acceptance was listed in a discharged bankruptcy and it continues to report negatively to my XXXX  XXXX and XXXX account. 

I contacted the business on XX/XX/scrub> 2025 and they reported negatively on XX/XX/year>2025.

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 2025-03-28 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 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 non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with non-monetary relief