vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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: FL

Complaint narrative:
I am submitting this complaint because TransUnion is reporting inaccurate and misleading information regarding the account XXXX XXXX XXXXXXXX XXXX XXXX ( partial number XXXX ). 

According to TransUnion, the account was closed on XX/XX/2022 with a {$240.00} charge-off balance, yet the report reflects continued delinquencies and scheduled payments into XXXX though no payments were made after the closure date. 

The payment history also shows " OK '' status after the account was supposedly closed, and then suddenly starts reporting XXXX delinquencies and charge-off codes. This contradicts logical reporting behavior and XXXX XXXX guidelines. 

I have already submitted a verification request to the creditor but received no response. As a result, TransUnion has a duty under the Fair Credit Reporting Act ( FCRA ) to either verify the information or delete it. Specific legal violations include : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy due to conflicting status codes, dates, and balance data.

15 U.S.C. 1681s-2 ( b ) : Reporting information that could not be verified by the furnisher.

15 U.S.C. 1681i ( a ) : Inadequate reinvestigation procedures following a consumer dispute.

Legal precedent supports this request : Cortez v. Trans Union , LLC, 617 F.3d 688, and Seamans v. Temple University , 744 F.3d 853 both affirm that unverifiable or inaccurate data must be deleted.

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 2025-06-02 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: FL

Complaint narrative:
I am submitting this complaint against TransUnion for continuing to report a XXXX account ( partial account number ending in XXXX ) with inaccurate, inconsistent, and unverifiable information. Despite a prior written dispute and verification request, I have received no documentation supporting the accuracy of this reporting. 

My review identified multiple violations of the Fair Credit Reporting Act ( FCRA ), including : Failure to maintain maximum possible accuracy [ XXXX XXXX. XXXX ( b ) ] ; Reporting unverifiable information after dispute [ XXXX XXXX. XXXX ( a ) ] ; Inconsistent data across credit bureaus ( XXXX, TransUnion, XXXX ), violating XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) ; Lack of compliance with XXXX XXXX reporting standards ( e.g., inconsistent payment history, missing CCC, contradictory account statuses and dates ). 

Additionally, federal case law such as XXXX XXXX Trans Union, XXXX ( XXXX XXXX XXXX ) and XXXX XXXX XXXX University XXXX XXXX XXXX XXXX ) affirms that information which can not be verified must be deleted. 

These inaccuracies negatively affect my creditworthiness and violate my consumer rights under federal law.

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 2025-06-02 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:
Subject : Formal Complaint Inaccurate and Harmful Credit Reporting by XXXX XXXX / XXXX To Whom It May Concern : I am filing this formal complaint against XXXX XXXX / XXXX ( XXXX XXXX XXXX ) for reporting inaccurate, inconsistent, and damaging information on my credit reports with Equifax, XXXX XXXX XXXX. The handling of this installment auto loan account reflects several violations of federal consumer protection laws and is directly harming my credit profile. 

Summary of the Issue : Balance Inconsistencies : Balance is reported as {$5800.00} ( Equifax and XXXX ) and {$5500.00} ( XXXX ), without valid explanation for the discrepancy. 

Delinquency Conflicts : All three bureaus show multiple 30, 60, and 90-day late payments, but the dates vary between reports. 

Equifax shows late payments through XXXX, even though the last payment was made on XX/XX/XXXX according to Equifax, which contradicts the delinquencies. 

TransUnion shows delinquencies in XXXX / XXXX / XXXX, including 30, 60, and 90 days, after what appears to be payment activity. 

Date Discrepancies : Last Activity is listed as XX/XX/XXXX ( Equifax ), XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXnd XX/XX/XXXX ( XXXX ) this shows clear reporting inconsistency and potential data fabrication. 

Date of Last Payment also varies across bureaus.

Late Payment Pattern : The delinquencies stretch over a long period ( XXXX ), some of which were clearly disputed or have already been resolved. 

The OK status is also mixed in with XX/XX/XXXX status in the same year, which is contradictory and misleading. 

Legal Violations : FCRA Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ) Inconsistent, unverifiable, and conflicting data.

Failure to maintain maximum accuracy in consumer reporting.

TILA Truth in Lending Act Failure to clearly and accurately report the terms and status of a loan product ( automobile installment loan ).

GLBA Gramm-Leach-Bliley Act Mishandling and misreporting of sensitive financial data without safeguarding data integrity.

ECOA Equal Credit Opportunity Act Inaccurate credit reporting leads to unfair and unequal treatment in lending decisions.

FDCPA Fair Debt Collection Practices Act ( if applicable ) Continued reporting of derogatory items without verified, itemized proof of delinquencies or proper communication post-dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-06-02 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: NY

Complaint narrative:
This is a formal request for the removal of fraudulent accounts that appeared after a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NY XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8700.00} XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1500.00}

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 2025-06-02 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 reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair 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 explanation
Consumer complaint received 2025-06-02 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: FL

Complaint narrative:
" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-02 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:
I am disputing XXXX accounts XXXX XXXX and XXXX XXXX that continue to appear on my credit report despite prior disputes. I have submitted a XXXX XXXX compliance-based dispute showing that these accounts are inaccurately reported and violate FCRA Sections XXXX ( b ) and XXXX. 

The reporting is inconsistent across bureaus and fails to meet XXXX XXXX formatting standards ( e.g., incorrect status, missing fields, balance issues, etc. ). I submitted a formal dispute with ID, address verification, and my XXXX XXXX letter, and the credit bureaus have failed to correct or remove the accounts. I am requesting CFPB enforcement and immediate deletion of both accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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:
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 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 2025-06-02 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: Sezzle Inc.
State: FL

Complaint narrative:
I am reporting an account listed by Sezzle on my XXXX credit report that is not mine and has been the subject of multiple identity theft reports. Although the account is closed, it is reporting two late payments and negatively impacting my credit score. 

I have repeatedly disputed this account with XXXX  and provided the following documentation : An FTC Identity Theft Report A police report A written statement disputing ownership Evidence of no signed agreement or authorization by me Despite this, Sezzle continues to falsely verify the account as mine, claiming that because it was paid off it must belong to me this logic is flawed and does not constitute legal ownership or authorization. 

This is a violation of the Fair Credit Reporting Act, particularly Section 605B, which requires that identity theft-related information be blocked upon proper documentation. I am requesting that the CFPB compel Sezzle and XXXX to fully delete this account from my credit file immediately, as it is fraudulent and unlawfully reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXXXXXX ) 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 TILA XXXXXXXX XXXX XXXXXXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: PR

Complaint narrative:
THE ACCOUNT OF POPULAR AUTO ON MY EQUIFAX REPORT WAS OPEN FRAUDULENTLY I NEVER HAVE ANY ACCOUNT WHIT XXXX XXXX OF XXXX XXXX AND THE INFORMATION IS ON ERROR IN MY REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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:
I noticed several accounts and inquiries on my credit report from XX/XX/XXXX that I did not authorize or recognize. I have no connection to them, and they do not belong to me. This is very concerning and appears to be identity theft. The fraudulent accounts showing on my report are : XXXX - Collection ( Original Creditor : XXXX XXXX XXXX ) - Opened on XX/XX/XXXX ; XXXX - Collection - Opened on XX/XX/XXXX. Additionally, the following inquiry is also part of this fraud I do not recognize it, it does not belong to me, and I did not authorize it : Equifax XXXX 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 2025-06-02 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: NY

Complaint narrative:
I noticed several accounts and inquiries on my credit report from XX/XX/XXXX that I did not authorize or recognize. I have no connection to them, and they do not belong to me. This is very concerning and appears to be identity theft. The fraudulent accounts showing on my report are : XXXX - Collection ( Original Creditor : XXXX XXXX XXXX ) - Opened on XX/XX/XXXX ; XXXX - Collection - Opened on XX/XX/XXXX. Additionally, the following inquiry is also part of this fraud I do not recognize it, it does not belong to me, and I did not authorize it : Equifax XXXX 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