vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 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: KS

Complaint narrative:
I am submitting this complaint to formally notify the Federal Trade Commission of a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, committed by Equifax, Experian, and TransUnion the three major U.S. consumer credit reporting agencies. 

My personal data was compromised in a data breach, allegedly due to insufficient data protection and negligence in fulfilling their statutory obligations as consumer reporting agencies. This breach has resulted in the unauthorized exposure of sensitive information, creating risks of identity theft, fraud, and long-term financial harm. 

XXXX Grounds for Complaint : According to 15 U.S.C. 1681 ( a ), Congress found that : The banking system is dependent upon fair and accurate credit reporting, and inaccurate or compromised data impairs this efficiency and public trust.

Consumer reporting agencies have assumed a vital role in assembling and evaluating sensitive information and therefore bear serious responsibility.

There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for consumer privacy.

Under 1681 ( b ), it is explicitly the purpose of this subchapter to require that these agencies adopt reasonable procedures to ensure confidentiality, accuracy, relevance, and proper utilization of consumer data.

Allegations : Equifax, Experian, and TransUnion have failed to implement reasonable procedures to protect consumer data as mandated by the FCRA. This failure violates the principles of confidentiality, accuracy, and proper utilization of personal consumer information and has placed me, and countless other Americans, at significant risk.

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 2025-04-09 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: MS

Complaint narrative:
I XXXX XXXX XXXX am a victim of identity theft and my information was exposed in the data breach.

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 2025-04-09 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: MS

Complaint narrative:
I XXXX XXXX XXXX am a victim of identity theft and my information was exposed in the data breach.

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 2025-04-09 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: VA

Complaint narrative:
To Whom It May Concern, I am filing a complaint against **Equifax** for its continued reporting of a **fraudulent and unauthorized student loan account allegedly held by XXXX. This account **does not belong to me**, and **no signed agreement or valid contract** has been provided by either XXXX or XXXX to prove that this debt is legitimate. 

Additionally, this account is **incomplete**, as it is **not associated with a physical address**, violating the basic standards for credit reporting accuracy. I have formally disputed this account, but XXXX has refused to remove it despite clear evidence that it is **fraudulent, inaccurate, and unverifiable**. 

-- - # # # **Violations by XXXX : ** - XXXX USC XXXX XXXX a ) ( XXXX ) ( B ) ( iii ) : ** Failure to remove disputed information that can not be verified. 

- XXXX XXXX XXXX XXXX : ** XXXX has failed in its duty to uphold the fairness, accuracy, and privacy required by the FCRA XXXX 

- XXXX XXXX XXXX XXXX ( a ) ( XXXX ) : ** Reporting a debt without a permissible purpose or verified consumer authorization. 

- XXXX CFR XXXX ( Regulation B ) : ** Allowing a fraudulent and unverifiable account to influence credit decisions is discriminatory and reckless. 

- XXXX XXXX XXXX : ** No validation or billing explanation has been provided, a clear violation of fair credit billing standards. 

- **UCC XXXX : ** XXXX is reporting a debt for which no contract or legal obligation exists, and no lawful consideration was provided. 

- XXXX/ XXXX XXXX XXXX ( 1933 ) : ** The alleged loan is based on fiat, not lawful money XXXX and no consideration was lawfully exchanged. 

- XXXX XXXX XXXX : ** XXXX is assisting in the unlawful reporting of a student loan account that does not follow federal discharge or validation standards. 

-- - # # # **Summary : ** The XXXX account is **fraudulent, not mine**, and is causing damage to my financial credibility and emotional well-being. XXXX **continued reporting of this false and unverifiable debt** is unlawful and in direct violation of my rights.

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 2025-04-09 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: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: MD

Complaint narrative:
Based on Previous Depute : XXXX Complaint Summary FCRA Violation by TransUnion ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>, I submitted a formal credit dispute through the CFPB Portal to TransUnion regarding multiple inaccurate and unverifiable items appearing on my credit report. TransUnion failed to provide a response until XX/XX/year>, which is beyond the XXXX response window required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 1 ).

Under the FCRA, TransUnion was required to complete a reinvestigation and notify me of the results within 30 days of receiving my dispute. This timeline XXXX only be extended to 45 days if and only if the consumer submits additional information during the investigation period. In my case, no such supplemental documentation was submitted after XX/XX/year>. Therefore, XXXX delay in responding constitutes a clear violation of federal law. 

In its response dated XX/XX/XXXX, TransUnion claimed it had forwarded the investigation results by mail and issued a generic explanation of its procedures. However, TransUnion failed to include any documentation, evidence, or verification from the data furnishers, as required by 15 U.S.C. 1681i ( a ) ( 7 ). TransUnion 's mere referral to the furnisher 's response, without evidence such as account agreements or original records, does not constitute a sufficient reinvestigation under FCRA or XXXX XXXX guidelines. 

Additionally, TransUnion 's summary claimed that accounts such as : XXXX XXXX ( 5 entries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX were all verified as reported or updated, yet no specific reinvestigation method or supporting documentation was provided to me or submitted with their CFPB response. Simply labeling an account verified without proof is a violation of 15 U.S.C. 1681e ( b ) which mandates maximum possible accuracy, and of 1681s-2 ( b ) which places a legal obligation on the furnisher to correct or delete inaccurate data.

This incomplete reinvestigation and the failure to respond within 30 days reflect TransUnion 's noncompliance with FCRA timelines and its duty to protect consumer rights.

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 2025-04-09 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:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: 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
Consumer complaint received 2025-04-09 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:
I reviewed my consumer reports and noticed that there was an inaccurate accounts on my credit reports. Prosper XXXX XXXX XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. Are showing late. Account # XXXX. Upon reviewing my consumer reports I discovered some instances of late payments on an account for which i have always maintained timely payments. Consumer reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on time, as I have consistently upheld my payment obligations with out delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One - ( 3 ) Inquiries. I haven't ever applied for Capital One card. One was pre-approved & sent to me in XXXX.

I have authorized no inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: HI

Complaint narrative:
I applied with XXXX XXXX  and received a loan from XXXX to purchase XXXX XXXX XXXX but did not get any services established with XXXX XXXX XXXX. I notified XXXX to dispute this, no services were established and was told In order to keep this from my credit report I still had to pay them until the XXXX XXXX XXXX resolves the dispute. XXXX XXXX XXXX was resolved and notified XXXX dispute resolved and for me to be refunded. After all of this, XXXX still reported on my credit. I am requesting for this to be removed off of my credit for incorrect reporting.

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 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-09 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of INQUIRIES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: GA

Complaint narrative:
XXXX ) XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$970.00} Balance updated XX/XX/XXXX XXXX ) WILLIAMS & FUDGE INC Original creditor XXXX XXXX XXXX Balance {$150.00} Balance updated - XXXX ) XXXXinquiries These lenders have accessed your credit file : XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX ) ALSO KNOWN AS XXXX XXXX XXXX XXXX XXXX XXXX ) a. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX b. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX ) EMPLOYERS : XXXX XXXX XXXX XXXX XXXX XXXX ) No knowledge of educational institutions : a. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2025-04-09 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:
I reviewed my consumer reports and noticed that there was an inaccurate accounts on my credit reports. XXXX Account # XXXX late payment showing date XX/XX/year> Upon reviewing my consumer reports I discovered some instances of late payments on an account for which i have always maintained timely payments. Consumer reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on time, as I have consistently upheld my payment obligations with out delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: GA

Complaint narrative:
The entries contain conflicting payment histories, inconsistent activity dates, and inaccurate delinquency notations. 

This is a blatant violation of the Fair Credit Reporting Act ( FCRA ), which requires all data furnished to credit bureaus to be accurate and complete. By reporting this account with conflicting data, your agency is allowing a false representation of my credit behavior that is actively damaging my credit score, reputation, and financial opportunities.

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 2025-04-09 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: GA

Complaint narrative:
The entries contain conflicting payment histories, inconsistent activity dates, and inaccurate delinquency notations. 

This is a blatant violation of the Fair Credit Reporting Act ( FCRA ), which requires all data furnished to credit bureaus to be accurate and complete. By reporting this account with conflicting data, your agency is allowing a false representation of my credit behavior that is actively damaging my credit score, reputation, and financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: Colony Brands, Inc.
State: AL

Complaint narrative:
I'm filing a complaint with the CFPB against the creditor for violating the FCRA by continuing to report a fraudulent account on my credit report after I notified them of the identity theft, despite my efforts to resolve the issue.

Company response to consumer: Closed with explanation