vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 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: NC

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: RI

Complaint narrative:
I am writing to follow up on my previous letter dated XX/XX/year>, in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on my mortage account XXXX XXXX XXXX XXXX XXXX To date, I have not received confirmation of the correction nor observed any changes in my credit report. 
This issue appears to be in violation of the provisions of 15 U.S. code 1666b and other relevant sections of the fair credit reporting Act ( FCRA ). Additionally, the FCRA, specifically sections 15 U.S. code 1681i and 15 U.S. code 1681s-2 furthermore, I would like to refer to the protection Against Non-Payment of Obligations Act ( PAANL ).

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 2025-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Driver license : XXXX Account Number : Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Formal Dispute & Demand for Removal I am submitting this dispute regarding the above-referenced collection account, which appears on my credit reports with TransUnion, XXXX, and XXXX. This account does not belong to me. It was fraudulently opened without my knowledge, authorization, or consent.

Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically Section 605B [ 15 U.S.C. 1681c-2 ], I am formally requesting that this fraudulent account be blocked from my credit reports immediately. 
Under FCRA 605B, when a consumer submits proof of identity theft along with an identity theft report, the credit reporting agencies are legally required to block the reporting of the fraudulent information from the consumers file within four ( 4 ) business days. 
Legal Basis - FCRA 605B ( a ) ( 1 ) : Requires credit bureaus to block information that results from identity theft upon receiving proof.

- FCRA 605B ( b ) : Requires the block to be placed no later than 4 business days after receiving the request and documentation.

- FCRA 623 ( a ) ( 6 ) : Furnishers of information ( in this case, TransUnion ) may not continue to report fraudulent information after being notified of identity theft.

Action RequestedI demand that this fraudulent collection account be : 1. Immediately blocked and removed from my credit reports with all credit reporting agencies. 
XXXX. That XXXX and the original creditor, XXXX XXXX XXXXXXXX at XXXX, be notified of the fraudulent nature of this account and cease all reporting. 
XXXX. That written confirmation of the blocking and deletion be provided to me once completed This account is fraudulent, was opened without my consent, and is causing severe harm to my creditworthiness. In accordance with FCRA 605B, you must block this account from my file and provide written confirmation. Failure to comply may result in legal action, including filing complaints with the CFPB, FTC, and State Attorney Generals Office. 
I expect a response and confirmation of deletion within the timeframe required by law

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 2025-08-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: NATIONAL DEBT RELIEF LLC
State: MA

Complaint narrative:
I graduated from the program, and then XXXX of my accounts was marked " reworking offer. '' I spoke to several representatives and nobody could give me an answer but I was assured the account was paid and I would not be charged anything additional. They told me it was an error on their part and it would be fixed. Then, I requested a paid in full letter on XX/XX/XXXX at XXXX. The representative I spoke to told me today, XX/XX/XXXX, that since it's friday they can't help me and the person in this department won't be available until after XXXX XXXX. Prior, I was told I would receive the email within a few business days. I spoke to the debt collector that claims they own my debt and they claim there has been no payment made on my account. I can't contact the debt collector to give them the paid in full letter since I still haven't received it. They submitted the request for this on the XXXX but I've been waiting for my account to be settled for about 2 months since I graduated the program. It is showing up on my credit report as a delinquent mark and affecting my finances. I would appreciate my account being handled but I keep receiving vague answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: TX

Complaint narrative:
I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX BANK XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/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 2025-08-30 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 a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-30 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: NJ

Complaint narrative:
On XX/XX/year> I submitted complaints with CFPB against Equifax, Experian, and TransUnion under complaint id numbers : XXXX and XXXX and the last number is XXXX for incorrect information on my report it has been over XXXX  days and it is still not resolved I am asking for these items to be removed immediately from my credit report. Also I filed a dispute on credit karma for TransUnion and Equifax on XX/XX/year> for XXXX dispute number XXXX and it has been over 30 days and the item still has not been resolved and the account is to old to be on my credit report it is XXXX years and XXXX months old I am asking for this account to be removed immediately. They are in violation of my fair credit reporting rights and are damaging my credit reputation and credit worthiness and hindering me from being able to obtain credit.

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 2025-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/year> I submitted complaints with CFPB against Equifax, Experian, and TransUnion under complaint id numbers : XXXX and XXXX and the last number is XXXX for incorrect information on my report it has been over XXXX  days and it is still not resolved I am asking for these items to be removed immediately from my credit report. Also I filed a dispute on credit karma for TransUnion and Equifax on XX/XX/year> for XXXX dispute number XXXX and it has been over 30 days and the item still has not been resolved and the account is to old to be on my credit report it is XXXX years and XXXX months old I am asking for this account to be removed immediately. They are in violation of my fair credit reporting rights and are damaging my credit reputation and credit worthiness and hindering me from being able to obtain credit.

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 2025-08-30 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: TN

Complaint narrative:
I ran my credit for a new car and learned of the negative 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 2025-08-30 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: TN

Complaint narrative:
I ran my credit for a new car and learned of the negative 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
Consumer complaint received 2025-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In XXXX, I helped someone random to deposit a college check and I find out it wasnt his check so I called Bank Of America and let them know and also tried to reach out to the owner. I talked to the bank and thought u could help arrest him. The check was around {$980.00} and I didnt touch it and neither give it to the person who ask me to deposit it. Later the next day the bank charge me one amount of {$1900.00} which is equal to twice of the checks. I called and talk to them and willing to help what I could. Took them two hours to understand the situation. I have evidence of the call and statements. The bank then told me that theyll open a case and 45 days later they close the bank without informing me. Took what I had left in the account. Called them to ask and they said my account is a risk of fraud so they had to closed it. I gave up even though that was the longest account I ever had but recently I tried to open a bank account from chase and citi but didnt get approves and they couldnt give the reason except that they might be a report by other bank. Bank of America report me to all the bank for it and also took my money. I want to fix this and will provide any documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX Subject : Failure of XXXX, Equifax, and XXXX  to XXXX Inaccurate and Unverifiable Credit Reporting I am filing this complaint against Experian, Equifax, and TransUnion for XXXX to comply with the Fair Credit Reporting Act ( FCRA ) regarding multiple disputes I submitted about inaccurate, unverifiable, and unauthorized information on my credit reports. Despite providing proper identification and supporting documents, the bureaus continue to report inaccurate accounts, personal information, and unauthorized inquiries without providing lawful verification. 

Issues in Dispute XXXX. Inaccurate Personal Information Previous addresses incorrectly reported ( XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX ) Incorrect employers ( The XXXX XXXX, XXXX XXXX XXXX ) XXXX. Unauthorized Inquiries Multiple inquiries from XXXX XXXX, Reliable AUT, XXXX XXXX, XXXX, XXXX XXXX, XXXX Auto, Prestige Fin, XXXX XXXX XXXX, Al XXXX XXXX, XXXX XXXX, FEB/Destiny, and others between XX/XX/XXXX and XX/XX/XXXX that I did not authorize XXXX. Inaccurate or Unverified Accounts Collections from XXXX XXXX XXXX, XXXX XXXX XXXX, Conserve, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Bank, XXXX XXXX XXXX disputed XXXX XXXX including Self Financial/Lead BA ( reporting late payments despite being closed/paid ) FCRA Violations by the Bureaus 15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification 15 U.S.C. 1681g : Failure to provide full file disclosure Despite multiple disputes, the credit bureaus have refused to : Correct or remove inaccurate accounts and inquiries Provide the method of verification, including documentation and furnishers contact information Provide a complete and accurate consumer file disclosure

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 2025-08-30 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX Subject : Failure of XXXX, Equifax, and XXXX  to XXXX Inaccurate and Unverifiable Credit Reporting I am filing this complaint against Experian, Equifax, and TransUnion for XXXX to comply with the Fair Credit Reporting Act ( FCRA ) regarding multiple disputes I submitted about inaccurate, unverifiable, and unauthorized information on my credit reports. Despite providing proper identification and supporting documents, the bureaus continue to report inaccurate accounts, personal information, and unauthorized inquiries without providing lawful verification. 

Issues in Dispute XXXX. Inaccurate Personal Information Previous addresses incorrectly reported ( XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX ) Incorrect employers ( The XXXX XXXX, XXXX XXXX XXXX ) XXXX. Unauthorized Inquiries Multiple inquiries from XXXX XXXX, Reliable AUT, XXXX XXXX, XXXX, XXXX XXXX, XXXX Auto, Prestige Fin, XXXX XXXX XXXX, Al XXXX XXXX, XXXX XXXX, FEB/Destiny, and others between XX/XX/XXXX and XX/XX/XXXX that I did not authorize XXXX. Inaccurate or Unverified Accounts Collections from XXXX XXXX XXXX, XXXX XXXX XXXX, Conserve, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Bank, XXXX XXXX XXXX disputed XXXX XXXX including Self Financial/Lead BA ( reporting late payments despite being closed/paid ) FCRA Violations by the Bureaus 15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification 15 U.S.C. 1681g : Failure to provide full file disclosure Despite multiple disputes, the credit bureaus have refused to : Correct or remove inaccurate accounts and inquiries Provide the method of verification, including documentation and furnishers contact information Provide a complete and accurate consumer file disclosure

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 2025-08-30 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: GA

Complaint narrative:
I am formally disputing several unauthorized credit inquiries and accounts that appear on my credit report. These entries were made without my consent or initiation of any business relationship. The companies involved include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize these companies to access my credit file, and I believe these inquiries and accounts are inaccurate, unverifiable, and damaging to my credit profile. 

I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681i Right to dispute and request reinvestigation 15 U.S.C. 1681s-2 ( a ) ( 3 ) Furnishers must notify agencies of disputed information 15 U.S.C. 1681b Defines permissible purposes for accessing a credit report 15 U.S.C. 1681e Obligation to ensure maximum possible accuracy 15 U.S.C. 1681c Limits on reporting outdated information 15 U.S.C. 1681g Right to access all information in your file 15 U.S.C. 1681m Requirements for adverse action notices 15 U.S.C. 1681n & 1681o Civil liability for willful or negligent noncompliance I was also a confirmed victim of the Equifax data breach, which exposed my personal information and may have led to identity theft. I believe these unauthorized entries are a direct result of that breach.

I have submitted a formal dispute to the credit bureau and requested deletion of these entries. I am now filing this complaint to ensure that my rights are protected and that these inaccuracies are investigated and resolved.

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 2025-08-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter serves as a dispute of a fraudulent account on my credit file. I never applied for or used this account, and its presence is inaccurate and unjustly harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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