vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 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: MD

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 explanation
Consumer complaint received 2025-06-08 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: VA

Complaint narrative:
I am writing to formally file a complaint against TransUnion LLC for their repeated failure to comply with provisions of the Fair Credit Reporting Act ( FCRA ), specifically related to a bankruptcy entry on my credit file and their refusal to furnish the required CRA procedural description following multiple requests. 

On several occasions, I have disputed the accuracy of a bankruptcy listed on my credit report and have repeatedly requested, in accordance with 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), that TransUnion provide me with a description of the procedure used to determine the accuracy and completeness of the information regarding the investigation of this public record. 

To date, TransUnion has not complied. Instead, they have issued a generic stall letter, failed to provide any meaningful or specific details of their investigation, and ignored my lawful demand for the names, contact information, and methods used to verify the information. I have also provided multiple forms of identity verification, including my government-issued ID and utility bills, thereby satisfying all verification requirements. 

TransUnions actions constitute the following violations of the Fair Credit Reporting Act : Violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation of disputed information.

Violation of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to furnish the required procedural description upon request.

Violation of 15 U.S.C. 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy of the information in the consumers file. 

Violation of 15 U.S.C. 1681g ( a ) ( 1 ) : Failure to provide all information in the consumers file upon request.

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 2025-06-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XX/XX/year>, a collection account from XXXX XXXX XXXX for the amount of {$7000.00} was added to my credit reports. I did not recognize this debt and immediately exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by sending a debt validation letter to the company requesting proof that the debt was mine, a breakdown of charges, and evidence that they were legally authorized to collect this debt. I sent the letter via certified mail on XX/XX/year>. Despite the company receiving my request, they have not provided any of the required documentation. They also continued to report this account to XXXX  without validating the debt, which violates the FDCPA and the Fair Credit Reporting Act ( FCRA ). Because this debt has not been validated, and I have not received a response within the 30-day timeframe, I am requesting that this collection account be immediately removed from my credit report and that the company cease all collection efforts.

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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Subject : Request to Block Fraudulent Information Under 15 U.S.C . 1681c-2 Dear CFPB, I am writing to formally dispute one or more accounts appearing on my credit report that I believe are the result of identity theft and were included without my authorization or written consent, in violation of my rights under 15 U.S.C. 1681c-2.

Disputed Account ( s ) : Creditor Name : XXXX XXXX XXXX Bank XXXX Account XXXX ( last XXXX digits ) : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} Status : Charge-Off Creditor Name : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) Account Number ( last 4 digits ) : XXXX Date Opened : XX/XX/XXXX Balance : {$720.00} Status : Past Due / Closed Creditor Name : XXXX XXXX Account Number ( last 4 digits ) : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Status : Charge-Off Creditor Name : XXXX XXXX ( XXXX XXXX - Auto Loan Account Number ( last 4 digits ) : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} Status : Charge-Off I never opened this account, nor did I provide any written instructions or authorization to the creditor or to your bureau to furnish or access my personal credit information. This activity was done without my knowledge or consent, and I have strong reason to believe it is connected to identity theft. 

In accordance with 15 U.S.C. 1681c-2 ( a ), I am requesting the immediate blocking of all information related to the above accounts from my credit file.

Enclosed documents : A copy of my government-issued photo ID A copy of a utility bill or other proof of address A copy of my FTC Identity Theft Report A copy of my credit report with the fraudulent items This signed written statement asserting the accounts were opened without my consent Please confirm in writing that the requested accounts will be blocked from my file and not reinserted unless the furnisher provides documentation proving that I authorized the accounts. If you decide not to block any of the information, you must provide me with a written explanation within 5 business days, as required by law.

Thank you for your prompt attention to this matter. I expect full compliance within the 4 business days required by federal law. 

Sincerely, 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 2025-06-08 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 am a victim of identity theft, and I am requesting that all fraudulent accounts and inquiries that were falsely reported under my name be removed from my credit report. These accounts were not opened or authorized by me and are the result of criminal activity. My local police department advised me to complete an I3C report through the Federal Trade Commission, which I have already done. I am taking all the necessary steps to protect my identity and restore my credit, and I am asking for your assistance in removing these inaccurate entries from my report as part of that process. Thank you for your attention to this matter.0

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 2025-06-08 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: NV

Complaint narrative:
I am a victim of identity theft, and I am requesting that all fraudulent accounts and inquiries that were falsely reported under my name be removed from my credit report. These accounts were not opened or authorized by me and are the result of criminal activity. My local police department advised me to complete an I3C report through the Federal Trade Commission, which I have already done. I am taking all the necessary steps to protect my identity and restore my credit, and I am asking for your assistance in removing these inaccurate entries from my report as part of that process. Thank you for your attention to this matter.0

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: SC

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit file. I am a victim of identity theft, and there are multiple accounts and inquiries listed on my credit report that I did not authorize or apply for. These items are not accurate and do not belong to me.

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the unauthorized accounts and inquiries from my credit report. Attached to this letter, you will find a list of the disputed items as well as a copy of my Identity Theft Report filed with the Federal Trade Commission. 

Please take the necessary steps to investigate and delete these items from my credit report as soon as possible. I appreciate your prompt attention to this matter and request written confirmation once the corrections have been made.

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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/year> XXXX bank false ran my credit causing an inquiry on my report for getting a card I never got and or applied for I did not apply for a credit card from them and they ran my credit causing the inquiry and on XX/XX/scrub>XXXX XXXXXXXX XXXX made a false inquiry after not even completing a application for a quote that I didnt get

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: GA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: FL

Complaint narrative:
Follow the law or remove information as unverified

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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-08 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: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-06-08 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: MN

Complaint narrative:
I am submitting this statement to formally report that I have been a victim of identity theft. As a result, there are fraudulent accounts and/or inquiries on my credit report that I did not authorize or open. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and requesting that these items be investigated, verified, and removed immediately. 

Details of the Dispute : I am disputing the following information that appears on my credit report, which I believe to be the result of identity theft : XXXX XXXX XXXX Account Number : XXXX Amount : {$100.00} XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$370.00} XXXX XXXX XXXX Account XXXX : XXXX Amount : {$2100.00} XXXX XXXX XXXX Account Number : XXXX Amount : {$660.00} XXXX XXXX. 
Account Number : XXXX Amount : {$5000.00} These accounts and inquiries are not mine, and I have not given anyone permission to open or use these accounts on my behalf. 

Formal Request for Investigation and Debt Verification : Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting that the credit reporting agencies immediately block and delete these fraudulent items from my report.

In addition, under FCRA 611 ( 15 U.S.C. 1681i ), I am formally requesting debt verification for all disputed accounts. This means I expect the credit bureaus and furnishers to provide documented proof that I authorized these accounts. If they can not verify the debts with valid evidence such as a signed contract or agreement the accounts must be permanently removed from my credit file.

Compensation for False Verification : As stated in FCRA 616 ( 15 U.S.C. 1681n ), if any account is falsely verified as valid despite my identity theft claim, I am entitled to statutory damages of {$1000.00} per violation.

Supporting Documentation : I have included the following documents to support my claim : A copy of my FTC Identity Theft Report ( FTC Report # XXXX ) A copy of the XXXX Police Department report ( Tracking # XXXX ) A copy of my government-issued ID Proof of my current address Requested Actions : I am requesting the following : Immediate blocking and removal of all fraudulent accounts and inquiries. 

Debt verification for all disputed accounts. 

Written confirmation that the fraudulent items have been deleted from my report. 

Proof that the furnishers of these accounts have been notified and instructed to cease reporting any unverifiable information. 

An updated copy of my credit report reflecting these corrections. 

I expect confirmation in writing that my request has been processed in accordance with the FCRA. Please be advised that failure to comply may result in further legal action.

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 2025-06-08 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: NJ

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: Sezzle Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Report act. Sezzle has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, has violated my rights incomplete and not accurate. And according to the fair credit reporting act Whenever procedures to assure maximum possibie accuracy of the information concerning the And according to 15 USC 16811 5 they are suppose to do this ( 5 ) Treatment of inaccurate ( A ) in general-it, after any reinvestigation under paragraph ( 1 ) of any information dispused

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: Nelnet, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX ( XXXX ) XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXXXXXX, XXXX, TX XXXX Re : Demand for Immediate Deletion of Student Loans Due to Department of Education Dissolution To Whom It May Concern, I am formally disputing the student loan accounts reported under my name due to material changes in federal student loan administration following the executive order issued by President Trump to abolish the U.S. Department of Education. This unprecedented action has created substantial uncertainty regarding the legitimacy, ownership, and enforceability of student loan debts that were previously under the purview of the Department of Education. 
Accounts in Dispute : Deptednelnet Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, you are legally required to report only accurate and verifiable information. Given the federal dissolution of the agency responsible for these loans, the chain of custody, legal authority, and servicing legitimacy of these accounts are in question. There is no verified entity authorized to validate, collect, or report these debts.

# # # Legal Basis for Immediate Deletion : 1. Lack of Credible Verification With the dissolution of the Department of Education, there is no legally valid entity that can verify the accuracy, ownership, or collection rights of these loans.

2. Material Change in Federal Oversight The entity responsible for these loans no longer exists, rendering past reporting structures invalid. 
3. Potential Violations of the FCRA Reporting unverifiable debts is a direct violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

I am demanding the immediate deletion of these accounts from my credit report. If these accounts are not removed, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and initiate legal proceedings as necessary to enforce my rights under federal law. 
Please provide me with a written response confirming the removal of these accounts within 30 days as required by law. Failure to comply will result in further action. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: NJ

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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-08 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: GA

Complaint narrative:
Please refer to case XXXX previously opened. Equifax submitted a response saying the issue had been fixed. The issue HAS NOT been fixed. I am still receiving the same message as I have been since XXXX, and I am still unable to login to the Equifax site to freeze/unfreeze my credit. I called again yesterday and Customer Support could not help me and opened a THIRD trouble ticket. Ticket number is XXXX It is absolutely ridiculous that ( 1 ) this problem as been going on this long and ( 2 ) I can not get anyone to call or speak with me except their Tier 1 Customer Support which has no idea how to help me. 

I need for this issue to be resolved so that I can login to the Equifax site. I recently had to unfreeze my credit to make a purchase and I had to call while in the store and had to wait until someone came to the phone to assist me versus merely logging into the site and unfreezing my credit. 

SOMEONE PLEASE HELP ME WITH THIS PROBLEM!

Company response to consumer: Closed with explanation