vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally notify you that I am a victim of identity theft due to a data breach. Certain accounts listed on my credit report were opened or used fraudulently without my knowledge or authorization.Pursuant to 15 U.S.C. XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that all accounts resulting from this identity theft be permanently blocked and deleted from my credit file.The following information is being provided in support of my request : XXXX. A copy of a government-issued photo ID. 
XXXX. Proof of current address. 
XXXX. A copy of a police report or Identity Theft Report filed with the FTC. 
XXXX. A list of the fraudulent accounts appearing on my credit report, which I am requesting be blocked and removed.The fraudulent accounts I am disputing are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate this matter and permanently block and delete these items from my credit report as required by federal law. I also request written confirmation that this action has been taken.If you require any further information or documentation, feel free to contact me by mail or phone.Thank you for your attention to this urgent matter.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NRA Group, LLC
State: TX

Complaint narrative:
I am writing to dispute inaccurate information that appears on my credit report, which I am entitled to do under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. This dispute concerns an incorrect charge or account reported on all my 3 credit bureaus.

On my credit, there are listings from collections agencies I believe is inaccurate. I did not authorize this charge/account, nor have I received any goods or services in connection with it. I have no record of any agreement, application, or transaction with this company that would validate this entry.

As required under the FCRA, I am formally requesting that the information in question be investigated. If the reporting party can not verify the accuracy and legitimacy of this information within 30 days, it must be deleted from my credit file, as stated under 1681i ( a ) ( 5 ) ( A ). 

A copy of the portion of my credit report showing the inaccurate information Any relevant correspondence or communications I have had with the company Proof of identity and address ( if required later ) I respectfully request that the inaccurate item be deleted or corrected, and that a revised copy of my credit report be sent to me once the investigation is complete. Furthermore, please notify any parties who have received my report in the past XXXX months ( or XXXX years for employment purposes ) of the correction, as allowed under FCRA 1681i ( d ).

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My personal and financial data was compromised violating XXXX. I request full cancellation of my student loan debt.

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 2025-07-15 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:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-15 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: IL

Complaint narrative:
I recently checked my credit report and noticed multiple inaccurate infomration on my credit report I already filed all the necessary steps to remove the false information

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 2025-07-15 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: IL

Complaint narrative:
I recently checked my credit report and noticed multiple inaccurate infomration on my credit report I already filed all the necessary steps to remove the false information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XX/XX/year> USAA XXXX  XXXX XXXX XXXX, XXXX XXXX, TX XXXX Re : Request for Debt Validation Account Number : XXXX Dear Sir/Madam, I am writing to request validation of the debt you claim I owe, as provided for under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide me with the following information : 1. The amount of the alleged debt.

2. The name of the original creditor.

3. Proof that you are legally authorized to collect this debt.

4. Documentation showing that I owe this debt, including an itemized statement.

5. A copy of the judgment you claim against me.

Please cease all collection activities until this debt is properly validated. Also, notify any credit reporting agencies to update my records accordingly. 



Thank you for your prompt attention to this matter. 



Sincerely, 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 2025-07-15 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: U.S. BANCORP
State: MI

Complaint narrative:
Credit cards XXXX were open using my ID and ss card I had lost my wallet a few years ago

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 2025-07-15 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: CA

Complaint narrative:
Between XXXX and XXXX, I discovered multiple fraudulent credit card accounts on my credit reports. These included accounts from : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) These accounts were previously disputed and deleted after being identified as the result of identity theft. However, in XX/XX/XXXX, all of these accounts were reinserted into my credit reports without any prior notice or proper legal compliance.

According to the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 5 ) ( B ), if deleted information is reinserted into a credit report, the credit bureau must : Notify the consumer in writing within 5 business days, and Disclose the name, address, and phone number of the furnisher that certified the accuracy of the reinserted data.

I received no such notice, nor was I provided with any furnisher contact information. This action is a clear violation of federal law and has negatively impacted my creditworthiness and financial security.

What laws were violated?

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Requires notification and disclosure of furnisher information following reinsertion of previously deleted data.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishers from reporting information known to be inaccurate or previously flagged as fraudulent.

15 U.S.C. 1681c-2 : Requires credit bureaus to block identity theft-related information upon receipt of a valid FTC Identity Theft Report.

15 U.S.C. 1681n and 1681o : Provides for damages for willful or negligent noncompliance with FCRA obligations.

What would be a fair resolution? 
XXXX. Permanently delete the reinserted fraudulent accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX from all credit reporting agencies. 
XXXX. Provide a written explanation that includes : The dates and reasons for reinsertion ; Whether the furnishers certified the accounts ; The name, address, and phone number of each furnisher, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ; Why I was not notified in writing within 5 business days. 3. Correct all credit reporting harm, including any damage to my credit sco
re and profile caused by the unlawful reinsertion.

4. Written assurance that these accounts will not be re-reported without full FCRA-compliant verification under 1681c-2.

5. If the reinsertion was done willfully or negligently, I request the CFPB to pursue appropriate statutory damages or regulatory enforcement under 1681n and 1681o.

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 2025-07-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
The original rent management company went out of business. I was told by the attorney that represented them in court that they later sold the company. We in return taken to court for balances due and was instructed by the judge to make the payments to the court registry. We did and we have a signed notarized statement from their attorney and an official receipt from the court that has a {$0.00} balance. This company is trying to claim that we still owe this debt from a company that is not in business anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
When I noticed that two of my credit cards were being reported as having a late balance and in a negative standing I called the card issuer they claimed they reported it as paid on time, I then called the credit reporting agencies who all blamed the the credit reporting agencies. bottom line its being reported wrong. I also noticed several inquiries that I had not authorized.

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 2025-07-16 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: CA

Complaint narrative:
In XX/XX/XXXX, I discovered a fraudulent credit card account with XXXX XXXX  ( Account # : XXXX ) on my credit report. The account was a result of identity theft and was successfully disputed and removed. However, in XX/XX/XXXX, the same fraudulent account was reinserted into my credit file without any prior written notice or proper legal procedure. 

According to the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 5 ) ( B ), if a credit bureau reinserts previously deleted information : The consumer must be notified in writing within 5 business days, and The name, address, and phone number of the furnisher that certified the reinsertion must be provided. 

I received no such notice, and the credit reporting agencies failed to identify the furnisher, in direct violation of federal law. Additionally, fraudulent personal informationincluding names like XXXX XXXX XXXX and employment with XXXX XXXX XXXX appears on my report and must be removed under FCRA 1681c-2.

What laws were violated?

FCRA 1681i ( a ) ( 5 ) ( B ) : No timely written notice or disclosure of the furnisher following reinsertion.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers may not report information known to be inaccurate or previously disputed.

FCRA 1681c-2 : Requires blocking of identity theft-related accounts and personal data upon receipt of a valid FTC Identity Theft Report.

FCRA 1681n and 1681o : Provides for statutory and actual damages in cases of willful or negligent noncompliance. 



What would be a fair resolution? 
XXXX. Permanently delete the reinserted XXXX XXXX account from all credit reports maintained by Experian, Equifax, and TransUnion. 
2. Provide a written explanation that includes : The date and reason for reinsertion ; Whether the reinsertion was certified ; The name, address, and phone number of the furnisher, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ; An explanation for why I was not notified in writing within five business days.

3. Remove all fraudulent personal information, including the names XXXX XXXX, XXXX XXXX XXXX, and the employer XXXX XXXX XXXX 
4. Correct all credit score and reporting damage caused by the reinsertion and misinformation.

5. Provide written assurance that this account and personal data will not be re-reported unless full legal verification is performed under FCRA 1681c-2.

6. If the reinsertion was willful or negligent, I request the CFPB pursue appropriate regulatory enforcement and damages under FCRA 1681n and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: CA

Complaint narrative:
In XX/XX/XXXX, I discovered a fraudulent credit card account with XXXX XXXX  ( Account # : XXXX ) on my credit report. The account was a result of identity theft and was successfully disputed and removed. However, in XX/XX/XXXX, the same fraudulent account was reinserted into my credit file without any prior written notice or proper legal procedure. 

According to the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 5 ) ( B ), if a credit bureau reinserts previously deleted information : The consumer must be notified in writing within 5 business days, and The name, address, and phone number of the furnisher that certified the reinsertion must be provided. 

I received no such notice, and the credit reporting agencies failed to identify the furnisher, in direct violation of federal law. Additionally, fraudulent personal informationincluding names like XXXX XXXX XXXX and employment with XXXX XXXX XXXX appears on my report and must be removed under FCRA 1681c-2.

What laws were violated?

FCRA 1681i ( a ) ( 5 ) ( B ) : No timely written notice or disclosure of the furnisher following reinsertion.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers may not report information known to be inaccurate or previously disputed.

FCRA 1681c-2 : Requires blocking of identity theft-related accounts and personal data upon receipt of a valid FTC Identity Theft Report.

FCRA 1681n and 1681o : Provides for statutory and actual damages in cases of willful or negligent noncompliance. 



What would be a fair resolution? 
XXXX. Permanently delete the reinserted XXXX XXXX account from all credit reports maintained by Experian, Equifax, and TransUnion. 
2. Provide a written explanation that includes : The date and reason for reinsertion ; Whether the reinsertion was certified ; The name, address, and phone number of the furnisher, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ; An explanation for why I was not notified in writing within five business days.

3. Remove all fraudulent personal information, including the names XXXX XXXX, XXXX XXXX XXXX, and the employer XXXX XXXX XXXX 
4. Correct all credit score and reporting damage caused by the reinsertion and misinformation.

5. Provide written assurance that this account and personal data will not be re-reported unless full legal verification is performed under FCRA 1681c-2.

6. If the reinsertion was willful or negligent, I request the CFPB pursue appropriate regulatory enforcement and damages under FCRA 1681n and 1681o.

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 2025-07-15 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: MN

Complaint narrative:
In XX/XX/year>, I discovered XXXX fraudulent accounts on my Equifax credit report, all opened without my knowledge or consent. These include accounts from * * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} ), XXXX XXXX XXXX XXXX XXXX ( Account No. XXXX, {$370.00} ), and XXXX XXXX ( Account No. XXXX, {$7800.00} ). I submitted a police report and declared myself a victim of identity theft under 18U.S.C. 1028A.

Despite providing all required documentation, including an FTC Identity Theft Report and supporting evidence, and formally disputing the information, these accounts remain on my Equifax credit report. Even more troubling, one or more of these accounts were previously removed by Equifax and then reinserted without providing the written notice required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This action is illegal under the Fair Credit Reporting Act ( FCRA ), which mandates that if previously deleted information is reinserted, the credit bureau must : Obtain certification of accuracy from the furnisher ; Notify the consumer in writing within five business days of the reinsertion.

Equifax has violated federal law by reinserting disputed information without this notice and by failing to prevent previously removed fraudulent data from reappearing on my file, which also breaches 15 U.S.C. 1681i ( a ) ( 5 ) ( C ). These continued violations have caused serious harm to my credit and financial well-being.

Company response to consumer: Closed with non-monetary relief