vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 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: NC

Complaint narrative:
I am formally requesting the immediate investigation and removal of the following inaccurate, outdated, and unauthorized information from my credit report pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and other applicable federal laws. 

1. Unauthorized Hard Inquiries The following hard inquiries were not authorized by me and therefore violate 15 U.S.C. 1681b ( c ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were not initiated by me and do not meet the permissible purpose requirements under 1681b ( c ) ( 1 ).

2. False Collection Accounts Violation of 15 U.S.C. 1681e ( b ) The following accounts are falsely reporting and contain inaccurate information : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  These accounts are either unverifiable or reported inaccurately, in violation of your duty to maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ).

3. Medical Bills Violation of 15 U.S.C. 1681c ( a ) ( 4 ) You are reporting outdated or unverifiable medical debts, which may not be reported without proper verification and notice. These must be removed in accordance with 15 U.S.C. 1681c ( a ) ( 4 ) and recent updates to how medical debts are handled under the FCRA. 

4. Outdated Account Violation of 15 U.S.C. 1681c ( a ) ( 4 ) The account with XXXX XXXX is over XXXX XXXX XXXX  and should no longer be on my credit report. This account exceeds the seven-year reporting limit set by 15 U.S.C. 1681c ( a ) ( 4 ) and must be deleted immediately.

5. Bankruptcy Reporting Violation of Time Limits and Misuse of Federal Identification I am also requesting the removal of a XXXX XXXX bankruptcy that is over 10 years old. This exceeds the reporting limit allowed under 15 U.S.C. 1681c ( a ) ( 1 ). Additionally, continued reporting of this expired bankruptcy may violate protections against the misuse of personal identifying information under 18 U.S.C. 1028A ( Aggravated Identity Theft ), particularly if inaccurate or mismatched identifiers are used in its continued reporting.

I request the following actions be taken immediately : Deletion of all unauthorized and inaccurate hard inquiries Removal of invalid and unverifiable collection accounts Deletion of outdated medical debt and the State Employees account Removal of the outdated bankruptcy Please complete your investigation and provide a full written response within the 30-day period required by law. If no validation or verification can be provided, the disputed items must be deleted in compliance with the FCRA. 

This for all three company Trans union, Equifax and Experian

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 2025-05-17 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: NC

Complaint narrative:
I am formally requesting the immediate investigation and removal of the following inaccurate, outdated, and unauthorized information from my credit report pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and other applicable federal laws. 

1. Unauthorized Hard Inquiries The following hard inquiries were not authorized by me and therefore violate 15 U.S.C. 1681b ( c ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were not initiated by me and do not meet the permissible purpose requirements under 1681b ( c ) ( 1 ).

2. False Collection Accounts Violation of 15 U.S.C. 1681e ( b ) The following accounts are falsely reporting and contain inaccurate information : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  These accounts are either unverifiable or reported inaccurately, in violation of your duty to maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ).

3. Medical Bills Violation of 15 U.S.C. 1681c ( a ) ( 4 ) You are reporting outdated or unverifiable medical debts, which may not be reported without proper verification and notice. These must be removed in accordance with 15 U.S.C. 1681c ( a ) ( 4 ) and recent updates to how medical debts are handled under the FCRA. 

4. Outdated Account Violation of 15 U.S.C. 1681c ( a ) ( 4 ) The account with XXXX XXXX is over XXXX XXXX XXXX  and should no longer be on my credit report. This account exceeds the seven-year reporting limit set by 15 U.S.C. 1681c ( a ) ( 4 ) and must be deleted immediately.

5. Bankruptcy Reporting Violation of Time Limits and Misuse of Federal Identification I am also requesting the removal of a XXXX XXXX bankruptcy that is over 10 years old. This exceeds the reporting limit allowed under 15 U.S.C. 1681c ( a ) ( 1 ). Additionally, continued reporting of this expired bankruptcy may violate protections against the misuse of personal identifying information under 18 U.S.C. 1028A ( Aggravated Identity Theft ), particularly if inaccurate or mismatched identifiers are used in its continued reporting.

I request the following actions be taken immediately : Deletion of all unauthorized and inaccurate hard inquiries Removal of invalid and unverifiable collection accounts Deletion of outdated medical debt and the State Employees account Removal of the outdated bankruptcy Please complete your investigation and provide a full written response within the 30-day period required by law. If no validation or verification can be provided, the disputed items must be deleted in compliance with the FCRA. 

This for all three company Trans union, Equifax and Experian

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXXnDOB XXXXSOCIAL SECURITY XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXXnExperian\nXXXX XXXX XXXX TX XXXXn\nSubject: Urgent Request for Removal of Fraudulent Accounts Within 7 Days\n\nTo Whom It May Concern,\n\nI am writing to urgently dispute fraudulent accounts that have been wrongfully reported on my Innovis credit file. These accounts were opened without my knowledge or authorization and are the result of identity theft.\n\nThe following accounts are fraudulent and must be removed from my credit report immediately:\XXXX XXXXOpened XXXX XXXX XXXX XXXXOpened XXXX XXXX XXXX XXXX XXXXOpened XXXX XXXX XXXX XXXX XXXX\nOpened XXXX XXXX XXXXn\n(Include additional accounts as needed)\n\nI am formally requesting that these accounts be removed from my report within 7 days of receipt of this letter, due to the serious and damaging impact they are having on my credit standing and personal security.\n\nI have enclosed copies of the following documents to support my claim:\n\t\tA copy of my government-issued identification\n\t\tProof of my current address\n\t\tA copy of the police report and/or identity theft affidavit\n\t\tAny relevant documentation proving the accounts are fraudulent\n\nPlease confirm in writing that these accounts have been deleted from my file. If I do not receive a response within 7 days, I will escalate the matter to the Consumer Financial Protection Bureau (CFPB) and other relevant authorities.\n\nThank you for your prompt attention to this urgent matter.\n\nSincerely,\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 2025-05-16 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: AZ

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifaxXXXX XXXX XXXX XXXX XXXX  Urgent Request for Removal of Fraudulent Accounts Within XXXX Days\n\nTo Whom It May Concern,\n\nI am writing to urgently dispute fraudulent accounts that have been wrongfully reported on my Innovis credit file. These accounts were opened without my knowledge or authorization and are the result of identity theft.\n\nThe following accounts are fraudulent and must be removed from my credit report immediatelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n(Include additional accounts as needed)\n\nI am formally requesting that these accounts be removed from my report within XXXX  days of receipt of this letter, due to the serious and damaging impact they are having on my credit standing and personal security.\n\nI have enclosed copies of the following documents to support my claim:\n\t\tA copy of my government-issued identification\n\t\tProof of my current address\n\t\tA copy of the police report and/or identity theft affidavit\n\t\tAny relevant documentation proving the accounts are fraudulent\n\nPlease confirm in writing that these accounts have been deleted from my file. If I do not receive a response within XXXX days, I will escalate the matter to the Consumer Financial Protection Bureau (CFPB) and other relevant authorities.\n\nThank you for your prompt attention to this urgent matter.\n\nSincerely,\XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian received complaint no XX/XX/XXXX. 
Experian stated that on XXXX, they need up to 60 for their investigation. 

It has now been 53 days since filing the complaint. 
No response from Experian in regards to issuing a debt validation letter or removing the invalid/incorrect/fraudulent information. No response from Experian consumer in regards to delay in investigation. 

Experian is now in violation of the FCRA of the 30 day response time, in regards to consumer dispute. 

The following names are invalid/incorrect on the consumer 's credit report : : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are not the consumer 's legal name. Customer service with Experian would not change it and argued with consumer when she called in about the issue. According to the customer service agent " As long as it was similar to what the consumer 's name is they are not going to change it. '' Consumer had previously provided proof of her legal name to Experian. ( via a copy of her driver 's license and social security card ) Consumer had previous issues with identity theft issues because of the thieves that used her personal identifying information that did not coincide with her legal name, address, etc. ( IRS issues utility issues etc. ) A debt validation letter was never provided to consumer in regards to the following debts of Dept of EdXXXX : {$1500.00} {$3400.00} {$640.00} {$1200.00} {$77000.00} and is still appearing on consumer 's Experian credit report. The debt is invalid/fraudulent due to the fact that the company and Experian have not provided a contract and/or debt validation letter to consumer. In addition to the fact that XXXX did not exist until XX/XX/XXXX, and that is not the legal name of such entity. Therefore, Experian can not provide a legal debt validation letter and/or contract.

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 2025-05-17 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. XXXX XXXX ( XXXX ) and XXXX U.S. XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. XXXX XXXX ( XXXX ) and XXXX U.S. XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-17 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-17 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: NH

Complaint narrative:
Dear CFPB XXXX, I am writing to formally escalate XXXX XXXX CFPB Complaint XXXX XXXXXXXXXXXX XXXX XXXX  originally submitted on XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding inaccurate and inconsistent reporting by XXXX XXXX XXXX XXXX XXXX XXXX XXXX across the major credit bureaus XXXX XXXX XXXX Experian, and XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX Summary of Discrepancies ( Still Unresolved ) : XXXX XXXX XXXX  Date Last Active : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Experian is reporting an outdated Date Last Active that misrepresents account activity. XXXX XXXX XXXX XXXX Number of Months ( Terms ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian * XXXX XXXX XXXX  months XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  months > XXXX XXXX shows an invalid term of XXXX months, which is factually incorrectXXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violations : These reporting issues violate the XXXX XXXX  Fair Credit Reporting Act ( FCRA ) XXXX XXXX  under : XXXX XXXX XXXX 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ) * * Obligation to report accurate and complete information. 
- * * 15 U.S.C. XXXX ( b ) * * Requirement to reinvestigate and correct or delete inaccurate data. 
- * * 15 U.S.C. XXXX ( b ) * * Duty of consumer reporting agencies to ensure maximum possible accuracy. 

XXXX XXXX XXXX XXXX XXXX Experian 's Acknowledgment of Discrepancies : In its response to my original complaint, Experian XXXX XXXX acknowledged the discrepancies XXXX XXXX  and confirmed that : XXXX Other aspects of the disputed item ( XXXX ) may have also been updated by the data furnisher ( XXXX ). The results summary was sent to you for review. 

This statement validates that Experian found grounds for correction or partial error. However, my XXXX XXXX credit file remains uncorrected XXXX XXXX, and the XXXX XXXX  inaccuracies are still appearing XXXX XXXX  specifically the Date Last Active and XXXX false delinquencies.

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 2025-05-17 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: NH

Complaint narrative:
Dear CFPB XXXX, I am writing to formally escalate XXXX XXXX CFPB Complaint XXXX XXXX XXXX XXXX, originally submitted on XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding inaccurate and inconsistent reporting by XXXX XXXX XXXX XXXX XXXX XXXX XXXX across the major credit bureaus * * TransUnion, XXXX, and XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX  Summary of Discrepancies ( Still Unresolved ) : XXXX XXXX XXXX Date Last Active : XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting an outdated Date Last Active that misrepresents account activity. XXXX XXXX XXXX XXXX Number of Months ( Terms ) XXXX XXXX XXXX XXXX XXXX XXXX TransUnion & XXXX XXXX XXXX XXXX XXXX months - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  months > XXXX XXXX shows an invalid term of XXXX  months, which is factually incorrect. XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violations : These reporting issues violate the XXXX XXXX Fair Credit Reporting Act ( FCRA ) XXXX XXXX under : XXXX XXXX XXXX 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ) * * Obligation to report accurate and complete information. 
- XXXX XXXX 15 U.S.C. XXXX ( b ) XXXX XXXX  Requirement to reinvestigate and correct or delete inaccurate data. 
XXXX XXXX XXXX 15 U.S.C. XXXX ( b ) XXXX XXXX Duty of consumer reporting agencies to ensure maximum possible accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acknowledgment of Discrepancies : In its response to my original complaint, XXXX XXXX XXXX acknowledged the discrepancies * * and confirmed that : XXXX Other aspects of the disputed item ( XXXX ) may have also been updated by the data furnisher ( XXXX ). The results summary was sent to you for review. 

This statement validates that XXXX found grounds for correction or partial error. However, my XXXX XXXX credit file remains uncorrected XXXX XXXX, and the XXXX XXXX inaccuracies are still appearing XXXX XXXX  specifically the Date Last Active and XXXX false delinquencies.

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 2025-05-17 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: NY

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I am filing a complaint regarding a Wells Fargo credit card account that was opened in 2013, when I was XXXX XXXX XXXX. This account was my oldest line of credit and has been a critical part of my credit history for over a decade. I recently discovered that Wells Fargo closed this account without notifying me beforehand. The closure of this long-standing account will significantly impact my credit score due to the loss of account age and available credit. At no point was I informed by Wells Fargo that the account was at risk of being closed, nor was I given the opportunity to keep it open. I believe this action is both unfair and damaging to my financial standing. I am requesting that Wells Fargo fully reinstate this account and remove any negative impacts caused by the closure. I have been a responsible account holder and believe this action should be reconsidered in the interest of fair credit reporting and responsible banking. Thank you for your 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