vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
To Whom It May Concern : I am submitting this formal dispute regarding an account inaccurately furnished by the Department of Treasury ( DPT Treasury ) on my TransUnion and XXXX credit reports. 

Account Information : Creditor Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$11000.00} Type : Government Unsecured Loan Status : Collection/Chargeoff ( TransUnion ) XXXX Late 120 Days ( XXXX ) Summary of Inaccuracies : The account is incorrectly listed as a derogatory open account and placed for collection. 
The account is government-related student loan debt that has been transferred to XXXX. 
No updated information is furnished indicating the transfer, resulting in inaccurate derogatory reporting. 
The balance is reported as past due and in collection when in fact it should reflect a {$0.00} balance with the Department of Treasury, as XXXX is now the servicing entity. 
Date Last Active is misreported ( TransUnion : XX/XX/XXXX vs. XXXX : XX/XX/XXXX ) creating material inconsistency across bureaus, violating 15 U.S.C. 1681e ( b ) ( reasonable procedures for maximum accuracy ). 
XXXX XXXX is inaccurately shown at {$8100.00} despite the Balance now being listed as {$11000.00}, creating further conflicting information. 

Violations : 15 U.S. Code 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy. 
15 U.S. Code 1681i ( a ) ( 5 ) Failure to properly investigate and update/remove inaccurate information after dispute.

15 U.S. Code 1692e False, deceptive, or misleading representation regarding the character and legal status of a debt. 
Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regulations regarding accurate reporting. 

This is now the tenth ( 10th ) dispute submitted regarding this account.

Despite repeated disputes, TransUnion, XXXX, and the Department of Treasury have failed to correct or delete the inaccuracies, nor have they furnished updated information showing the transfer to XXXX. 


Notice of Intent to Arbitrate : If this matter is not resolved within 30 days from the date of this notice, I will initiate an arbitration claim against TransUnion, XXXX, and the Department of Treasury for failure to comply with federal laws, causing continued damages to my creditworthiness, mental distress, and financial harm. 

I request that CFPB investigate this matter promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
To Whom It May Concern : I am submitting this formal dispute regarding an account inaccurately furnished by the Department of Treasury ( DPT Treasury ) on my XXXX and Equifax credit reports. 

Account Information : Creditor Name : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} Type : Government Unsecured Loan Status : Collection/Chargeoff ( XXXX ) / Late 120 Days ( Equifax ) Summary of Inaccuracies : The account is incorrectly listed as a derogatory open account and placed for collection. 
The account is government-related student loan debt that has been transferred to XXXX. 
No updated information is furnished indicating the transfer, resulting in inaccurate derogatory reporting. 
The balance is reported as past due and in collection when in fact it should reflect a {$0.00} balance with the Department of Treasury, as XXXX is now the servicing entity. 
Date Last Active is misreported ( XXXX : XX/XX/XXXX vs. Equifax : XX/XX/XXXX ) creating material inconsistency across bureaus, violating 15 U.S.C. 1681e ( b ) ( reasonable procedures for maximum accuracy ). 
XXXX XXXX is inaccurately shown at {$8100.00} despite the Balance now being listed as {$11000.00}, creating further conflicting information.

Violations : 15 U.S. Code 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy.

15 U.S. Code 1681i ( a ) ( 5 ) Failure to properly investigate and update/remove inaccurate information after dispute.

15 U.S. Code 1692e False, deceptive, or misleading representation regarding the character and legal status of a debt.

Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regulations regarding accurate reporting.

This is now the tenth ( 10th ) dispute submitted regarding this account.

Despite repeated disputes, XXXX, Equifax, and the Department of Treasury have failed to correct or delete the inaccuracies, nor have they furnished updated information showing the transfer to XXXX. 


Notice of Intent to Arbitrate : If this matter is not resolved within 30 days from the date of this notice, I will initiate an arbitration claim against XXXX, Equifax, and the Department of Treasury for failure to comply with federal laws, causing continued damages to my creditworthiness, mental distress, and financial harm. 

I request that CFPB investigate this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Greetings, To Whom It May Concern, I am writing to formally dispute inaccurate information contained in my credit report. Specifically, the address listed as XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX reported onXX/XX/XXXX is false and should not be associated with me. I have never lived at this address.

Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I am exercising my right to dispute inaccurate or incomplete information. I am requesting that your agency immediately investigate this matter and permanently remove this false address from my credit file. 

Failure to correct or delete inaccurate information after notice and reinvestigation is a violation of federal law. Please conduct a timely and thorough investigation, and upon completion, provide written confirmation that this address has been permanently removed. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I want my credit report to only reflect accurate information, which is why its important all data is verified. These inaccurate items are in pending litigation due to reporting errors on my report. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ).

Additionally, I am also writing to request the correction of inaccurate personal information on my credit report as I've noticed that these errors may have contributed to the issues with my credit applications, which is extremely frustrating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: NC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: AR

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: VA

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Entrata Inc.
State: OH

Complaint narrative:
On XX/XX/year> payment processor Entrata.com, processed a digital check for {$1000.00}, for which my account was XXXX cents short, to complete the transaction. Entrata.com then proceed to reprocess the transaction three separate time 's, in order to accumulate return fees at {$30.00} each. Entrata.com has now, removed my ability to pay my rent online.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: SC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: NC

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 reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. 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 explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: TX

Complaint narrative:
TransUnion is reporting late payments for XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX {$0.00} past due and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} past due. These notations are misleading and inaccurate, as a {$0.00} past due balance reflects no delinquency. Under 15 USC 1666b, consumers are entitled to a fair billing cycle and can not be reported late without a valid overdue amount. I have disputed these with no legitimate documentation provided by TransUnion in return. This constitutes a failure to reinvestigate under 15 USC 1681i and violates the accuracy mandate under 15 USC 1681e ( b ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: TX

Complaint narrative:
Equifax is reporting numerous inaccurate aliases and outdated addresses, including former names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and past addresses such as XXXX XXXX XXXXXXXX XXXX and XXXX XXXXXXXX XXXX  XXXX. I have no legal records tying me to these entries and have already submitted updated documentation verifying my current personal information.

Company response to consumer: Closed with non-monetary relief