vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 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: CA

Complaint narrative:
I am writing to dispute the continued presence of inaccurate address on my credit report. Despite prior disputes, this incorrect name and addressees remain listed : These name and addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct name addresses, but these errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 

Please remove these name & addresses immediately and update my credit report accordingly. I am providing the following documentation for your review : Government-issued ID Proof of current address Recent credit report with inaccurate address highlighted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX CA, 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 2025-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a formal written dispute to TransUnion on XXXX, XXXX, regarding multiple unauthorized and unverifiable credit inquiries appearing on my consumer report. These inquiries were made without my consent, and the creditors involved confirmed they do not possess any signed authorization or application on file. 

Despite my request and the legal obligations established under the Fair Credit Reporting Act ( FCRA ), TransUnion has failed to : Delete the disputed inquiries, which lack a permissible purpose under 15 U.S.C. 1681b. 

Provide any documentation validating the inquiries, including signed contracts, in violation of 15 U.S.C. 1681g ( a ) ( 1 ) ( A ). 

Perform a reasonable and independent investigation as required by 15 U.S.C. 1681i and reinforced by Cushman v. Trans Union Corp. 

Disclose the method of verification as required unde

r 15 U.S.C. 1681i ( a ) ( 7 ). TransUnion continues to rely on automated systems like e-OSCAR, which the
CFPB has already recognized as insufficient in cases that require manual document review. Their failure to comply with the law and to remove unverifiable inquiries constitutes ongoing noncompliance with federal consumer protection statutes.

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 2025-04-11 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: LA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am requesting the removal of the unauthorized inquiry on my report. I have already met all the necessary requirements and provided the required documentation for its deletion. I kindly ask that this be addressed promptly.

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 2025-04-11 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: MOHELA
State: FL

Complaint narrative:
Please remove Mohela/DOFED XX/XX/year>XXXX  late payment from my credit report. This is improper use as I was never late and should not be reported in deferment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: MA

Complaint narrative:
I recently reviewed my credit report and noticed several hard inquiries that I did not authorize or recognize. These inquiries are unfamiliar to me, and I have not applied for any credit or services that would justify their presence. I am concerned that these may be the result of unauthorized activity or identity theft. I take my credit and financial security seriously and would like to request an immediate investigation into these inquiries. I am asking for these unauthorized hard inquiries to be removed from my credit report as soon as possible to prevent any further impact on my credit score and financial standing. Please assist me in resolving this matter promptly. Thank you for your time and support.

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 2025-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
In accordance with the Fair Credit Reporting Act. This creditor has violated my rights Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681, section 604 a Section 2, it also states a consumer reporting agency can not furnish an account. Without my written instructions. Under 15 USC 1666 b, a creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2025-04-11 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
In accordance with the Fair Credit Reporting Act. This creditor has violated my rights Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681, section 604 a Section 2, it also states a consumer reporting agency can not furnish an account. Without my written instructions. Under 15 USC 1666 b, a creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2025-04-11 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: LA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

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 2025-04-11 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: HI

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: HI

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 2025-04-11 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: MA

Complaint narrative:
I recently reviewed my credit report and noticed several hard inquiries that I did not authorize or recognize. These inquiries are unfamiliar to me, and I have not applied for any credit or services that would justify their presence. I am concerned that these may be the result of unauthorized activity or identity theft. I take my credit and financial security seriously and would like to request an immediate investigation into these inquiries. I am asking for these unauthorized hard inquiries to be removed from my credit report as soon as possible to prevent any further impact on my credit score and financial standing. Please assist me in resolving this matter promptly. Thank you for your time and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: MA

Complaint narrative:
I recently reviewed my credit report and noticed several hard inquiries that I did not authorize or recognize. These inquiries are unfamiliar to me, and I have not applied for any credit or services that would justify their presence. I am concerned that these may be the result of unauthorized activity or identity theft. I take my credit and financial security seriously and would like to request an immediate investigation into these inquiries. I am asking for these unauthorized hard inquiries to be removed from my credit report as soon as possible to prevent any further impact on my credit score and financial standing. Please assist me in resolving this matter promptly. Thank you for your time and support.

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 2025-04-11 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: FL

Complaint narrative:
Subject : Final Notice - Dispute of Unauthorized Collection Account on My Credit Report Dear Sir/Madam, I am writing to follow up on my previous correspondence dated XX/XX/year>, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : **Creditor/Collection Agency Name : XXXX XXXX XXXX XXXXAccount Number : XXXX **Amount : $ XXXX **Date of Account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute the continued presence of inaccurate address on my credit report. Despite prior disputes, this incorrect name and addressees remain listed : These name and addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct name addresses, but these errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 

Please remove these name & addresses immediately and update my credit report accordingly. I am providing the following documentation for your review : Government-issued ID Proof of current address Recent credit report with inaccurate address highlighted XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX CA, 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 2025-04-11 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-11 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: NJ

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates that consumer reporting agencies investigate disputes and remove or correct information that is found to be inaccurate, incomplete, or unverifiable. Specifically, I am disputing a late payment reported by [ Creditor Name ] on [ Account Number ] dated [ Date ], which I believe to be inaccurate and damaging to my credit standing. I have attached supporting documentation, including [ e.g., account statements, payment confirmations, correspondence with the creditor ], demonstrating that this reported late payment is either factually incorrect or unverifiable. 

Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), once a consumer notifies a credit reporting agency of a dispute, the agency is legally obligated to : conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute. As a consumer, I have the right to an accurate and fair credit profile, and I am invoking my rights under federal law to request immediate correction or deletion of this inaccurate late payment entry. This error has negatively impacted my credit score and my ability to obtain favorable credit terms.

Therefore, I request that you : 1.Conduct a full reinvestigation of the disputed late payment.

2.Provide me with the name, address, and contact information of the party that verified the entry, if it remains.

3.Remove the item from my report if it is inaccurate or unverifiable.

4.Provide me with a written summary of the results of your reinvestigation. 

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 2025-04-11 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: NM

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$260000.00} XXXXXXXX XXXX Balance : {$620.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: NM

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$260000.00} XXXXXXXX XXXX Balance : {$620.00}

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 2025-04-11 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:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

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 2025-04-11 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: NV

Complaint narrative:
I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA XXXX ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXX  XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$630.00} XXXX  XXXX Balance {$0.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance {$1400.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$2400.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$1300.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1900.00} XXXX XX/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 non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
This is an ongoing dispute about a refund of {$66.00}, - from XXXX. After filing a complaint with the DOT, XXXX provided an ARN number : XXXX When I called Barclays they stated that this number doesnt exist in their system. When contacting XXXX again, they stated that I should get this in writing from Barclays. I called Barclays again on XXXXXXXX XXXX XXXX and their representative confirmed that they would send me a letter confirming that the above ARN does not exist in their system. Until today I have not received the promised letter or an email from Barclays in regards to this ARN. I advised XXXX to get in touch with Barclays directly to confirm since this was the so called XXXX XXXX and More credit card but it appears that there is no interest from either party to resolve this issue. It is possible that Barclays is trying to cover up that the {$66.00} were refunded but not credited to my account.

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