vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am the victim of identity theft. My credit reports with Equifax, TransUnion, and Experian contain multiple fraudulent and inaccurate accounts that I did not open or authorize. I formally disputed these accounts with each bureau on XX/XX/year>, providing supporting documentation, including my ID, Social Security card, and police reports. Despite this, the accounts remain on my reports, and the credit bureaus have not taken the corrective actions required by law. 

These accounts include : XXXX XXXX XXXX Accounts # XXXX and # XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX or # XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX / # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX There are also unauthorized inquiries from companies such as XXXX XXXX, XXXX  XXXX XXXX and XXXX  XXXX  XXXX XXXX and incorrect addresses and names listed on my reports that are not associated with me. 

These reporting failures violate multiple consumer protection laws, including : Fair Credit Reporting Act ( FCRA ) 607 ( b ), 611 ( a ) 15 U.S.C. 1692g ( failure to notify ) Gramm-Leach-Bliley Act ( failure to safeguard data ) XXXX  Identity Theft Protection laws ( MCL XXXX ) I am requesting the following actions from the companies involved : Immediate deletion of all fraudulent accounts and unauthorized credit inquiries listed above from my credit reports with XXXX, TransUnion, and XXXX  XXXX 

Correction and removal of all inaccurate personal information, including false names and addresses not associated with me. 

Written confirmation from each credit bureau that these deletions and corrections have been made. 

Implementation of fraud alerts on my credit file and any other protective measures available to prevent future unauthorized activity. 

A full investigation into how these accounts were reported in my name and a summary of the findings.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: MOHELA
State: TX

Complaint narrative:
I am reporting MOHELA for furnishing inaccurate credit information and attempting to collect on a student loan that I do not recognize and id not authorize. 

I never signed for this loan and have already submitted a formal debt validation request, XX/XX/XXXX. MOHELA has failed to provide a FDCPA ( 15 U.S.C & 1692g9 ( b ) ), they are required to provide verification within 30 days and cease collection activity until validation is complete. They have continued to collection efforts in violation of my rights. 

I am requesting that this account be investigated and that MOHELA. be instructed to remove the account from my credit report unless full documentation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: NY

Complaint narrative:
I have account that are not accurate, inquires that are not mine and personal information incorrect

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 2025-06-02 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: NY

Complaint narrative:
I have account that are not accurate, inquires that are not mine and personal information incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Between late XXXX and early XXXX, I discovered numerous fraudulent and inaccurate accounts listed on my credit reports with XXXX, Equifax, and XXXX. These accounts were opened without my knowledge or consent and appear to be the result of identity theft. I submitted written disputes to all three credit bureaus on XX/XX/XXXX, including documentation such as my government-issued ID, Social Security XXXX XXXX and police reports. 

Despite these efforts, my disputes remain unresolved. The bureaus failed to meet multiple legal obligations under the Fair Credit Reporting Act ( FCRA ) and other federal and state laws, including : Failure to notify me within 5 days of debt reporting ( 15 U.S.C. 1692g ) Failure to ensure maximum accuracy in reporting ( FCRA 607 ( b ) ) Failure to conduct proper investigations within the mandated 30-day period ( FCRA 611 ( a ) ( 1 ) ( A ) ) Failure to reinvestigate after unresolved disputes ( FCRA 611 ( a ) ( 6 ) ) Failure to safeguard personal information ( Gramm-Leach-Bliley Act ) Failure to provide identity theft resources ( 15 U.S.C. 1681g ( e ) ) Violation of Michigan identity theft protections ( MCL 445.65-67 ) Fraudulent accounts include those from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX. Inaccurate and unauthorized credit inquiries by lenders such as XXXX XXXX and XXXX XXXX were also reported without my authorization. My credit reports contain incorrect names and addresses that are not associated with me. 

I have not received appropriate responses or action from the credit bureaus, and this has negatively impacted my financial standing. I request that the CFPB compel the credit bureaus to comply with the law, remove the fraudulent accounts and inquiries, correct my personal information, and issue written confirmation of the changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: TX

Complaint narrative:
I reviewed my credit report and found inaccurate information being reported by XXXX XXXX XXXX XXXX regarding an account that I believe is incorrect. On XX/XX/scrub> 2025,

I contacted TransUnion via email and submitted a formal dispute requesting a reinvestigation of this account. I specifically requested detailed documentation and evidence to verify the accuracy of the account, including contracts, billing statements, loan terms, payment history, and any other records provided by the furnisher. Despite my request, TransUnion has not provided the requested information or sufficient evidence to verify the accuracy of the account. The disputed information remains on my credit report, and the investigation conducted by TransUnion did not resolve the issue. I believe the investigation process failed to meet the standards required under the Fair Credit Reporting Act ( FCRA ). I am requesting that TransUnion conduct a proper reinvestigation of this account, provide the requested documentation, and correct or remove any inaccurate information from my credit report. If the furnisher can not verify the accuracy of the account, I request that it be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Elevate Recoveries, LLC
State: FL

Complaint narrative:
Elevate Recoveries LLC has posted to my XX/XX/XXXXcredit score that I owe a balance of XXXX $ for a procedure the police forced me to have. I dont have any insurance to pay for this. Please adjust this correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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:
This complaint is to formally inform you that I am initiating legal proceedings against your agency due to your violations of the Fair Credit Reporting Act ( FCRA ) and the California Consumer Credit Reporting Agencies Act ( CCRAA ). Enclosed with this letter is a filed copy of my legal Complaint, which requires your prompt attention and response. 

Despite multiple notifications and requests for a thorough reinvestigation in accordance with 15 U.S.C. 1681i and California Civil Code 1785.16, your agency has failed to comply. You have continued to report unverified and inaccurate data, which has negatively affected my credit standing. 

Accordingly, I demand that you : 1. Immediately delete the fraudulent accounts listed above from my credit report ; 2. Provide a detailed report of your reinvestigation efforts, including all original documentation that you relied on to verify the debts ; 3. Cease all future reporting of any information that you can not confirm with complete accuracy. 


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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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

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

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: IL

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: SC

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: NY

Complaint narrative:
I am filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit FTC.gov to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent. 
XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX Balance {$260.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$740.00} XXXX XXXX XXXX Balance {$890.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-06-02 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: NY

Complaint narrative:
I am filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit FTC.gov to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent. 
XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX Balance {$260.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$740.00} XXXX XXXX XXXX Balance {$890.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: IN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals.

The following fraudulent accounts and inquiries have been identified as a result of this breach : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are multiple inaccuracies and fraudulent account reporting the time frame is beyond the 30 days allowed!

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 2025-06-02 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: NY

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 2025-06-02 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 writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 non-monetary relief
Consumer complaint received 2025-06-02 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: Resurgent Capital Services L.P.
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 XXXX. Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SECTION XXXX A, STATES I HAVE THE RIGHT TO PRIVACY XXXX XXXX SECTION XXXX section XXXX states a consumer reporting agency can not furnish an account without my written

Company response to consumer: Closed with explanation