vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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: OH

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: EQUIFAX, INC.
State: OH

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am filing this complaint due to TransUnions willful failure to correct multiple inaccurate, unverifiable, and damaging entries on my credit report despite my formal dispute submitted in writing with complete supporting documentation. 

The accounts listed below remain on file in violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681i ( a ) ( failure to reasonably investigate ), 1681s-2 ( b ) ( furnisher obligations ), and 604 & 607 ( unauthorized inquiries and lack of permissible purpose ). 

XXXX. XXXX  XXXX Charged off, no accurate verification or full payment history XXXX. XXXX XXXX XXXX charge-off balance, past due status unsupported XXXX. XXXX XXXX XXXX XXXX XXXX  Charge-off with 28 months of negative reporting, no validation provided XXXX XXXX XXXX XXXX  Installment XXXX late payments ( XXXX and XX/XX/XXXX ) reported without proof XXXX. XXXX XXXX derogatory late payments ( XXXX XXXX ), no supporting documentation XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection for {$150.00} ; no consumer validation or proof of debt XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ) {$100.00} collection placed without consumer notice or proper verification XXXX. XXXX XXXX 30-day late payment reported in XX/XX/XXXX on a paid, closed account XXXX. XXXX XX/XX/XXXX XXXX. XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX None of these inquiries are tied to any new open accounts or approved credit applications. They were not authorized for hard-pull access under any active agreement and are causing harm without permissible purpose a direct violation of FCRA 604.

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 2025-06-25 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Dear TD Bank Compliance Department, I am writing to formally dispute the inaccurate and unverifiable late payment ( s ) being reported by your institution to the credit reporting agencies under the account referenced above.

Under 15 U.S. Code 1666b, creditors are prohibited from treating a payment on a credit card account as late unless the creditor has adopted reasonable procedures to ensure that payments are not posted late or erroneously. If you can not provide documented proof that the alleged late payment was validly incurred including a full payment history, payment due dates, and the exact date and time the payment was posted then reporting any such late payment constitutes a violation of this statute.

Furthermore, the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ) mandates that any information furnished to the consumer reporting agencies must be complete and accurate. If you can not provide verifiable evidence that I was legitimately late such as a signed agreement and timestamped payment ledger then the reporting of this derogatory information violates the FCRA.

In addition, you are in violation of the Fair Debt Collection Practices Act ( 15 U.S. Code 1692e ), which prohibits the use of any false, deceptive, or misleading representation in connection with the collection of any debt. Reporting unverifiable derogatory information that damages my credit profile may constitute willful misrepresentation, especially after receipt of a formal dispute.

Accordingly, I demand the following : 1.Immediate removal of all alleged late payment notations related to the above-referenced account from all credit reporting agencies ; 2.A complete and itemized copy of any and all records validating the accuracy of your reporting, including my signed agreement and complete payment history ; 3.A written response confirming the deletion or correction of the inaccurate information within 30 days of receipt of this notice, as required under 15 USC 1681i ( a ).

Please be advised that if this matter is not resolved promptly and lawfully, I am prepared to escalate the issue by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. I also reserve the right to seek damages in federal court under the FCRA and FDCPA for negligent and/or willful noncompliance. 

This letter serves as your official notice. Please govern yourselves accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: TX

Complaint narrative:
I recently reviewed my credit report and identified several fraudulent accounts and unauthorized hard inquiries. These accounts are not mine, I did not authorize them, and I do not recognize them. They are negatively impacting my ability to obtain credit and are creating financial hardship. I am demanding the immediate removal of these fraudulent accounts and hard inquiries 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 explanation
Consumer complaint received 2025-06-25 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: MI

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-25 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: FL

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

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse tem of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below. 

XXXX  XX/XX/year> TRANSUNION

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 2025-06-25 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: FL

Complaint narrative:
i recently reviewd a copy of my credit report and i was shocked to find that i have been a victim of identity theft i do not recognize this account please remove from my credit report these are hurting my ability to obtain credit

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 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: MO

Complaint narrative:
Received a text message from TrueAccord ( XXXX message ) about a debt collection. Within the text message was a link. Once clicked on the link, you are redirected to the TrueAccord website. I clicked on " see debt details ''. It requires a zip code to verify your identity. I used my current and old zip codes and none of them are right. So, last week ( XX/XX/XXXX ) I went on there website to submit a dispute. Hoping to gain more information about this " debt ''. Did not recieve a mail, call, email nor text back. Once again, I submitted another dispute today. ( XX/XX/XXXX ) I did not make a purchase over a grand, so wondering where this debt came from and hopefully resolve it. But if I get no information about it, I can't resolve the issue. Don't want it to hit my credit or end up being court over it. 

Thank you.

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 2025-06-25 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: CA

Complaint narrative:
I am currently reviewing my Equifax credit report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: MI

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under XXXX USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-25 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XX/XX/XXXX JPMCB Card Services XXXX. XXXX  XXXX XXXX, DE XXXX RE : Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Charge-Off Balance : {$50000.00} ) To Whom It May Concern, I am writing to formally demand the immediate removal and permanent cessation of all reporting activity associated with the above-referenced account. This Chase Bank account, currently reported as a charge-off on all three credit bureaus ( XXXX XXXX XXXX ), is invalid and unlawfully attributed to me, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ). 

In XXXX, I sold my ownership interest in XXXX XXXX ( XXXX XXXX ) to XXXX XXXX via a legally executed Membership Unit Purchase Agreement. Under this agreement ( fully executed and signed by both parties ), XXXX XXXX assumed all liabilities, including but not limited to business credit card debt associated with Chase Bank. This document clearly stipulates the debt obligation was transferred and I was fully released from any financial responsibilities. A copy of this agreement is attached and has legal standing under Arizona law. 

Furthermore, the sale of this company and the subsequent ownership transfer was handled in your institution, Chase Bank. We executed account ownership transitions in person at a Chase branch. Your failure to complete the transfer and failure to maintain correct notifications- especially after a documented change of business address and contact information- is a serious breach of duty of care and compliance under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ). 

By continuing to report this derogatory account, Chase is engaging in willful misreporting, negligent credit furnishing, and defamation of character, and you are causing irreparable harm to my creditworthiness, mental health, financial stability, and professional livelihood. I have suffered substantial damages as a result. 

I hereby demand the following within 15 days of receipt of this letter : 1. Immediate deletion of this account from all credit bureaus.

2. Written confirmation from Chase Bank of this deletion.

3. A full investigation record and response detailing how this misreporting occurred.

Should Chase fail to comply, I will initiate litigation for damages, including but not limited to : Violation of FCRA Sections 1681s-2 ( a ) and 1681s-2 ( b ) Breach of Duty of Care Negligent Infliction of Emotional Distress Libel and Defamation under U.S. Civil Code I am prepared to file complaints with the CFPB, OCC, Arizona Attorney General, and the FTC. Furthermore, I have retained legal counsel and will pursue all available legal remedies. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation