vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information on My Credit Report Dear TransUnion, I am writing to formally dispute inaccurate information on my credit report, which has negatively impacted my financial standing. Under the Fair Credit Reporting Act ( FCRA ), I request a thorough and fair investigation into these inaccuracies. 
Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against TransUnion, citing improper investigation practices, including : Conducting inadequate investigations that fail to properly address consumer disputes. 
Reintroducing previously disputed and inaccurate information without justification. 
Failing to effectively notify consumers of investigation results. 
These serious concerns make me question whether my dispute will be handled fairly. The errors on my credit report have significantly affected my XXXX XXXX, which I worked hard to maintain above XXXX. 
Disputed Information : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I. ] My Rights Under the FCRA : As required by law, I request that you : Conduct a thorough investigation into my dispute.

Provide a clear and detailed response regarding the results of your investigation.

Supply any documentation relied upon if the disputed information is verified as accurate.

Promptly correct or remove any inaccurate or unverifiable information from my credit report. 
Requesting that my score be restored to its rightful level. And the hard XXXX pulled on my account deleted immediately, I never sign any consent for that. 
If the disputed information can not be verified or remains inaccurate, I demand its immediate removal or correction. Additionally, I request written confirmation of the actions taken regarding this matter. 
Should this issue remain unresolved, I am prepared to escalate my complaint to the CFPB and other relevant agencies. I expect a response within the legally mandated XXXX timeframe. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX TX, XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Block and Deletion of Information Due to Data Breach ( Pursuant to 15 U.S.C. 1681c-2 ( a ) ) To Whom It May Concern, I am writing to formally request that Experian block and delete all accounts and information associated with my name and Social Security number that have resulted from a data breach, as provided under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ). 

I have been a victim of a data breach, and I believe my personal information has been compromised. To protect myself from potential identity theft and fraud, I am requesting that Experian block and remove any accounts, inquiries, or information related to the breach from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Account Number : XXXX I understand that Experian is required to block and delete the information within four business days of receiving this request, as outlined under 15 U.S.C. 1681c-2 ( a ). Please confirm in writing once the requested block and deletion have been completed. 

If you require any additional information to process this request, please contact me at XXXX ( XXXX ) XXXX or XXXX Thank you for your prompt attention to this matter. I look forward to your confirmation that the requested actions have been taken. 


Sincerely, 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 explanation
Consumer complaint received 2025-03-18 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: IL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2025-03-18 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: CT

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-03-18 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 credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-03-18 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: CA

Complaint narrative:
I recently discovered that my credit report contains accounts that I have no knowledge of. I did not open or authorize these accounts, yet they are being reported under my name. This is completely inaccurate, and I need an immediate explanation of how this happened. My credit history is being unfairly impacted, and this situation needs to be corrected immediately.

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 2025-03-18 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: CO

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that TransUnion block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX - XXXX XXXX XXXX XXXX with a balance of {$0.00} XXXX - Opened XX/XX/XXXX with a balance of {$0.00} All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud

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 2025-03-18 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: FL

Complaint narrative:
I am submitting this complaint against Experian Credit Bureau regarding inaccuracies in my personal information as reported in my credit report. 

Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX XXXX ; XXXX, XXXX, A ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL, XXXX, but my credit report shows an outdated address as XXXX XXXX XXXX AV XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX ; XXXX XXXX XXXX XXXX, XXXX, FL, XXXX ; XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX ; XXXX XXXX XXXX XXXX, XXXX, FL, XXXX ; XXXX request that my current address be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

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 2025-03-18 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: NM

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-18 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: TX

Complaint narrative:
I'm writing to formally dispute the Inaccurate and unverifiable information appearing on my credit report as per rights under the FCRA. As TRANSUNION repeatedly failed to comply with their legal obligations to properly investigate and remove Inaccurate information. Specifically violating the following, Per 15 U.S. Code 1681e ( b ) failure to maintain the accuracy of my credit report. Per 15 U.S. Code 1681s-2 negligence in ensuring data furnishers must only report accurate and verifiable information. These accounts XXXX XXXXXXXX XXXX XXXX # XXXX date opened XX/XX/XXXX reporting charged-off with a {$0.00} balance XXXX XXXX  # XXXX date opened XX/XX/XXXX XXXX charged-off with a {$0.00} balance XXXX XXXX XXXX # XXXX date opened XX/XX/XXXX reporting charged-off with a {$0.00} balance XXXX XXXX XXXX # XXXX date opened XX/XX/XXXX reporting charged-off with a {$0.00} balance XXXX XXXX XXXX # XXXX date opened XX/XX/XXXX reporting charged-off with a {$0.00} balnce XXXX XXXXXXXX XXXX XXXX # XXXX date opened XX/XX/XXXX reporting charged-off with a {$0.00} balance XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX reporting charged-off with a {$0.00} balance XXXX XXXX XXXX  # XXXX XXXX opened XX/XX/XXXX reporting charged-off with a {$0.00} balance XXXX XXXX XXXX XXXX XXXX # XXXX date opened XX/XX/XXXX reporting charged-off with a {$0.00} balance XXXX XXXX XXXX # XXXX date opened XX/XX/XXXX reporting charged-off with a {$0.00} balance XXXX XXXX XXXX # XXXX date opened XX/XX/XXXX reporting charged-off with a {$0.00} balance were sold and purchased by another lender and not properly validated. And I request immediate verification of all details under the FCRA section 611 ( 15 U.S Code 1681i ) If it can not be verified in compliance with federal regulations, it must be removed immediately. And under the FCRA guidelines, if a creditor reports an account as a charge-off, with a {$0.00} balance should not be reporting in my credit report. If it was sold to a third party or no longer owed directly to the creditor. I demand a correction or immediate deletion if the accounts can not be validated accurately.

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: NY

Complaint narrative:
Please take immediate action to block and delete the unauthorized accounts from my credit report. These accounts were not opened or authorized by me, and I do not recognize them. In line with USC 1681g, I formally request their removal within 15 days. Enclosed are supporting documents for review. Additionally, each bureau is reporting different account information, leading to discrepancies.

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX XXXX XXXX  XXXX ) for fraudulent, inaccurate, and unlawful credit reporting on my Equifax credit file. XXXX XXXX is in clear violation of the Fair Credit Reporting Act ( FCRA ) 623 ( a ), 1681s-2 ( b ), and other federal consumer protection laws, and I demand immediate removal of this account from my credit report, as well as direct financial reimbursement for the harm caused by their misconduct. 

Violations Committed by XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : XXXX. Fraudulent Charge-Off Reporting The account is marked as charged-off, yet XXXXXXXX XXXX continues to report an outstanding balance of {$3100.00}, which is knowingly false and deceptive.

Per FCRA 623 ( a ) ( 1 ), furnishers are required to report accurate and complete information. XXXXXXXX XXXX is willfully violating this provision.

2. Manipulated Past-Due Amounts ( Post Charge-Off ) The past-due balance improperly increases over time ( {$76.00} {$160.00} {$3100.00} ) despite the charge-off. 
This is an illegal attempt to inflate debt beyond what is contractually permissible, violating Regulation V and the FCRA.

3. Conflicting Payment History & Timeline Manipulation XXXXXXXX XXXX falsely reported the account as 30 Days Past Due after it was already charged off.

This is an intentional effort to prolong derogatory marks on my credit report in violation of FCRA 605 ( a ).

4. Deceptive Reporting of Credit Limit on a Closed Account The credit limit remains at {$2300.00} on a closed and charged-off account. This misrepresents my available credit, artificially inflating my debt-to-credit ratio, and constitutes false reporting under FCRA 623 ( a ) ( 1 ).

5. Unjustified Balance Fluctuations & Falsified Payment Data The reported balance shifts arbitrarily ( {$2500.00} {$3100.00} ) without legitimate explanation.

An {$8.00} payment appears in the record, yet the charge-off remains unchanged, indicating inconsistent and fabricated data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Because of the data breach with TransUnion, Equifax and Experian that led to my information being stolen they have inaccurate addresses and accounts under section 605 b this information has to be deleted within 4 days not 30 days or 60 days XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Date Reported XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Reported XX/XX/XXXX, XXXX XXXX XXXX XXXX, MI XXXX reported, XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, Illinois XXXX reported XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Illinois XXXX reported XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Illinois XXXX reported XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX Illinois XXXX reported XX/XX/XXXX Title 15 USC 1681 inaccurate information must be deleted off credit report XXXX XXXX reference # XXXX reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX this is not my account

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 2025-03-18 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 am submitting a formal complaint regarding errors and inconsistencies in my credit report with XXXX, Equifax, and XXXX. After reviewing my credit history, I have identified discrepancies in the information reported by the collection agency XXXX, which has negatively impacted my credit score. 

Complaint Details XXXX Account Account Number : XXXX High Balance : {$510.00} Date of Last Activity : XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX : XX/XX/XXXX Date Reported : XXXX XXXX XX/XX/XXXX Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX Date Opened : XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX : XX/XX/XXXX Account Status : Closed - Collection/Charge-off Creditor Remarks : Affected by natural disaster Issues Identified : Inaccurate and Discrepant Information : There are significant discrepancies in the reported dates of last activity and reporting dates between XXXX, Equifax, and XXXX. These inconsistencies raise concerns about the accuracy and timeliness of the reported data. 
Unauthorized Sharing of My Information : I did not authorize this debt to be reported to these credit bureaus. Under the Fair Credit Reporting Act ( FCRA ), information should not be shared without my explicit consent or unless legal requirements are met. 
Lack of Debt Validation and Notification : I have not received any debt validation notice from XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), creditors must provide a validation notice within five days of their initial contact, which has not happened in my case. 
Negative Impact on My Credit History : Due to these errors and the possible lack of verification, my credit score has been unfairly affected. 
Requested Actions : Verification of Reported Information : I demand that XXXX, Equifax, and XXXX provide official documentation verifying the accuracy and legitimacy of the reported data in my credit history. 
Correction or Deletion of Unverified Information : If the reported data can not be verified with concrete evidence, I request the immediate deletion of this account from my credit reports. 
Investigation into the Unauthorized Use of My Information : I request that the CFPB investigate how and why this debt was reported without my consent, ensuring that XXXX complies with privacy regulations and fair debt collection practices. 
FDCPA Compliance : I demand that XXXX send a debt validation letter as required by law, giving me the opportunity to verify its legitimacy before it continues affecting my credit. 
The discrepancies in my credit report and the lack of debt validation have caused an unfair and negative impact on my financial history. I appreciate the CFPBs intervention to ensure that these credit bureaus and the involved creditor correct these errors immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: DE

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. 


Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX - XX/XX/year> 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