vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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: NC

Complaint narrative:
I am a victom of identity theft. Someone has stolen my identity and opened up alot of credit card accounts, personal loan and car loan account. Ive never given anyone permission or authorization to open these an accounts. 

XXXX XXXX account number XXXX XXXX  account number XXXX XXXX account number XXXX XXXX account number 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 2025-11-06 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: IN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-11-06 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:
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 2025-11-06 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: TX

Complaint narrative:
THEY ARE CONTIUNING TO REPORT THESE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT EVEN AFTER BEING NOTIFIED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: CBC Companies, Inc.
State: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: NC

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 explanation
Consumer complaint received 2025-11-06 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 am submitting this complaint as a consumer regarding inaccurate and/or unverifiable information being reported by the three major credit bureaus. I have made good-faith efforts to resolve these discrepancies directly with the credit reporting agencies, but the information continues to appear inaccurately on my credit reports. 


1. Charged-Off Account Creditor : XXXX CARD Account Number ( partial ) : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : This account is showing as charged off with a XXXX balance. A charged-off status with a {$0.00} balance is inconsistent and misleading, as the account should either reflect a closed, paid, or settled status not charged off with no balance owed. I am requesting verification of the debt and correction of the reporting if it can not be substantiated. 

2. Hard Inquiries ( Unverified or Duplicated ) 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 2025-11-06 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) 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 XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, 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 explanation
Consumer complaint received 2025-11-06 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) 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 XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, 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 explanation
Consumer complaint received 2025-11-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
REQUEST FOR FORM 1099-C ( CANCELLATION OF DEBT ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX To : Bank Of America XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Form 1099-C Charged-Off Account Dear Bank of America Customer Service, I am writing to formally request a copy of Form 1099-C ( Cancellation of Debt ) for my credit card account, which has been reported as charged-off on my credit report. Below are the relevant details regarding the account : Account Holder Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Date of Charge-Off : XX/XX/XXXX Credit Limit : {$1900.00} Highest Balance : {$2300.00} Last Four Digits of SSN : XXXX According to IRS regulations ( Section 6050P of the Internal Revenue Code ), financial institutions are required to issue Form 1099-C if a debt of {$600.00} or more has been canceled or forgiven. I am requesting a copy of this form for my records and to fulfill my tax obligations. 

If Form 1099-C has not been issued, I kindly request a written confirmation explaining the reason. Additionally, I would appreciate clarification regarding any outstanding balance and whether any further action is required on my part. 

Please send the requested documentation to the address provided above at your earliest convenience. Should you require any additional information, you may contact me at [ Clients Phone Number ] or [ Clients Email ]. 

I appreciate your prompt attention to this matter and look forward to your response. 
Sincerely, XXXX XXXX Signature : XXXX Date : XX/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 2025-11-06 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> To : [ Name of Creditor or Collection Agency ] XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Debt Validation Dispute of Incorrect Charge-Off Reporting To Whom It May Concern, I am writing to formally dispute and request validation of the alleged debt that has been reported to the credit bureaus under my name. Upon reviewing my credit report, I noticed that your company has listed a charge-off account that I believe to be inaccurate and improperly reported. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide full validation and verification of this alleged debt, including but not limited to : XXXX. The name and address of the original creditor ; XXXX. A copy of the signed agreement or contract bearing my signature, establishing that I am legally obligated for this debt ; XXXX. A complete payment history, showing the amount you claim is owed and how it was calculated ; XXXX. Documentation showing that your company has the legal right and proper chain of assignment to collect this alleged debt ; XXXX. The date of last payment or activity to verify compliance with applicable statute of limitations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c. Please note that under 15 U.S.C. 1692g ( b ), you must cease all collection activities, including credit reporting, until you have provided the requested validation. Reporting or continuing to report an invalid or unverified debt to any credit bureau may constitute a violation of the FDCPA and the FCRA, specifically 15 U.S.C. 1692e ( 8 ) ( prohibiting communication of false credit information ) and 15 U.S.C. 1681s-2 ( a ) ( duty of furnishers to report accurate information ). If you fail to provide proper validation or continue to report inaccurate information, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX  Attorney Generals Office, as well as consider pursuing civil action for statutory damages as allowed under 15 U.S.C. 1692k. I request that you respond within XXXX  days of receipt of this letter. Failure to do so will be considered noncompliance and a willful violation of federal law. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> To : [ Name of Creditor or Collection Agency ] XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Debt Validation Dispute of Incorrect Charge-Off Reporting To Whom It May Concern, I am writing to formally dispute and request validation of the alleged debt that has been reported to the credit bureaus under my name. Upon reviewing my credit report, I noticed that your company has listed a charge-off account that I believe to be inaccurate and improperly reported. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide full validation and verification of this alleged debt, including but not limited to : XXXX. The name and address of the original creditor ; XXXX. A copy of the signed agreement or contract bearing my signature, establishing that I am legally obligated for this debt ; XXXX. A complete payment history, showing the amount you claim is owed and how it was calculated ; XXXX. Documentation showing that your company has the legal right and proper chain of assignment to collect this alleged debt ; XXXX. The date of last payment or activity to verify compliance with applicable statute of limitations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c. Please note that under 15 U.S.C. 1692g ( b ), you must cease all collection activities, including credit reporting, until you have provided the requested validation. Reporting or continuing to report an invalid or unverified debt to any credit bureau may constitute a violation of the FDCPA and the FCRA, specifically 15 U.S.C. 1692e ( 8 ) ( prohibiting communication of false credit information ) and 15 U.S.C. 1681s-2 ( a ) ( duty of furnishers to report accurate information ). If you fail to provide proper validation or continue to report inaccurate information, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX  Attorney Generals Office, as well as consider pursuing civil action for statutory damages as allowed under 15 U.S.C. 1692k. I request that you respond within XXXX  days of receipt of this letter. Failure to do so will be considered noncompliance and a willful violation of 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 explanation
Consumer complaint received 2025-11-06 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: NJ

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-06 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: VA

Complaint narrative:
I am filing a dispute with Equifax regarding the following accounts. Upon reviewing my credit report, I have found several discrepancies and items that I believe need further investigation for accuracy. I am requesting a thorough review and validation of the information provided below : CHARGED OFF Accounts XXXX XXXX, XXXX, XX/XX/XXXX, {$860.00} This account is listed as charged off. I respectfully request that you provide proof of the accounts current status and verify the accuracy of the reported balance and account history. If this can not be verified, please remove this account. 

XXXX, XXXX, XX/XX/XXXX, {$0.00} The balance listed is {$0.00}, and I request validation of this account, including payment history and verification of its status. Please provide documentation showing the current standing of this account. 

XXXX XXXX, XXXX, XX/XX/XXXX, {$4900.00} Please verify that this account is correctly reported and that the balance is accurate. I request supporting documentation showing the exact amounts due, payment history, and any charge-off details. 

XXXX XXXX, XXXX, XX/XX/XXXX, {$3600.00} This account is reported with a balance of {$3600.00}. Kindly verify if this account is properly classified and confirm that the reporting reflects any adjustments or settlements made. 

XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} I am requesting confirmation that this account is appropriately reported as {$0.00}, and I request documentation of the final status, including any updates. 

XXXX XXXX, XXXX, XX/XX/XXXX, {$1400.00} Please verify the accuracy of this charge-off. I am requesting full verification of the reported balance and any relevant details regarding the status of the account. 

XXXX, XXXX, XX/XX/XXXX, {$480.00} XXXX request verification of the amount and status of this account. Please provide complete information regarding any payments or other relevant updates made to this account. 

INQUIRIES I have identified inquiries that I believe were made without proper authorization. I respectfully request a review of these inquiries and removal if any of them were made in error. 

XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am requesting that you investigate these inquiries and provide clear documentation proving that they were authorized. If any inquiry can not be verified, I ask for its immediate removal from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: TX

Complaint narrative:
The existence of this account has caused me significant distress, to XXXX XXXX where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it 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 2025-11-06 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: NC

Complaint narrative:
I am requesting that the CFPB investigate and ensure these items are corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ) .Subject : Dispute of Charged-Off Accounts XXXX. Charged-Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$850.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$0.00} These items are inaccurately reported as charged off. Some appear obsolete, and others reflect incorrect balances. 
Please verify all information with the furnishers and delete or correct any inaccurate entries.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed an incorrect account on my credit report with credit karma and its been over 30 days with no response. Ive emailed them and still no response

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