vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX I previously submitted a dispute regarding of this account, pursuant to the FCRA 15 U.S.C.1681i. However, I was recently informed that the account was updated without providing any documentation or valid evidence that a proper and reasonable rein investigation was performed as required by FCR a 1681i ( a ) ( 1 ) ( A ). updating the trade line at a consumer dispute without providing verification, constitutes a wolf full violation of the FCRA especially if no substantive review or violation was done. Additionally, I have previously requested a copy of the IRS for 1099 see which critters are required to issue if a date has been canceled or forgiving over {$600.00}. Since you are reporting this account as a charge of, I have reason to believe the debt may have been canceled or is no longer legally collectible, which would also make reporting the account potentially misleading and incomplete in violation of FCRA 1681e ( b ). today I have not received a 1099C or any documentation clarify the legal status of this debt immediately delete this account from all credit reporting agencies until a full re-investigation is conducted as required by law provide document evidence supporting the debts current status, including whether it has been canceled or charged off. If a 1099C has been issued provided copy immediately cease all collection activities until this matter is fully resolved on the FDCPA1692g ( b ). Failure to comply with these requirements may result in a complaint to the CFPB., FTC and a civil action on the FCRA and FDCPA for statutory and actual damages. please respond within 15 days the date of this letter.

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 2025-07-25 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 XXXX MD XXXX ACCOUNTS : 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 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 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

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE REPEATEDLY FOR YEARS DECADES YET NOTING IS EVER DONE! MY RIGHTS HAVE BEEN VIOLATED YOU DESTROYED MY LIFE FOR OVER 25 YEARS COST ME WORK OPPORTUNITIES HOMELESSNESS INABILITY TO PROVIDE FOR MY CHILDREN. NOT TO MENTION COUNTLESS HOURS OF WORK TRYING TO FIX THIS TRANSUNION REMOVED MY BANKRUPTCY EXPUNGED FROM XXXX THEN THEY ILLEGALLY FALSELY RE ADDED THE SAME BANKRUPTCY THAT WAS ALREADY REMOVED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XX/XX/year> TransUnion XXXX XX/XX/year> Experian XXXX XX/XX/year> Equifax XXXX XX/XX/year> TransUnion Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: NY

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XX/XX/year> TransUnion XXXX XX/XX/year> Experian XXXX XX/XX/year> Equifax XXXX XX/XX/year> TransUnion Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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 2025-07-25 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: EQUIFAX, INC.
State: GA

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 non-monetary relief
Consumer complaint received 2025-07-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : 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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Summit A*R, Inc.
State: GA

Complaint narrative:
b'XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX, TX XXXXSubject: Formal Dispute of Inaccurate Credit Report Entry Under Federal Consumer Protection Laws\n\nDear XXXXI am writing to formally dispute the accuracy and validity of one or more items listed on my credit report as provided by your agency. I am fully aware of my rights under the Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), Truth in Lending Act (TILA), and Fair Credit Billing Act (FCBA). These entries are either inaccurate, outdated, or unverifiable, and they must be removed or corrected immediately in accordance with federal law.\n\n\nAccounts in Dispute:\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 XXXXI am invoking my rights under the following consumer laws:\n\n1.\tFair Credit Reporting Act (15 U.S. Code  1681)\nUnder Section 611 of the FCRA, I have the right to dispute any information I believe is inaccurate, and the credit bureau is required to investigate and remove unverifiable or incorrect data within 30 days. Continued reporting of inaccurate or unverifiable information constitutes a willful violation.\n2.\tFair Debt Collection Practices Act (15 U.S. Code  1692)\nIf a third-party debt collector is involved, they must provide proper validation of the debt upon request. Failing to do so while continuing to report the debt is a violation of Section 809.\n3.\tTruth in Lending Act (15 U.S. Code  1601)\nThis law requires creditors to fully disclose terms of credit and ensure that I understand them. If this obligation was not met, or if I was misled regarding the nature or terms of the debt, the entry is potentially invalid.\n4.\tFair Credit Billing Act (15 U.S. Code  1666)\nThis act protects consumers from billing errors, which includes unauthorized charges and incorrect amounts. If the original creditor failed to investigate or respond to a billing dispute properly, the negative reporting is unlawful.\n\n\n\nAction Requested:\n\n\n\tDelete or correct the inaccurate/unverifiable accounts listed above.\n\tProvide a complete and verifiable investigation summary within 30 days.\n\tSend me an updated copy of my credit report reflecting these changes.\n\n\nIf you continue to report unverifiable or inaccurate information beyond the 30-day window, I will escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and my state attorney general.\n\n\nThank you for your prompt attention to this matter.\n\nSincerely,\XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
15 U.S. Code 1681b governs the permissible purposes for which a consumer report can be obtained under the Fair Credit Reporting Act he consumer authorizes the report.

If a consumer initiates a business transaction ( e.g., leasing a car ), a report may be used to determine if the person meets the term

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: GA

Complaint narrative:
THIRD CFPB ESCALATION CONTINUED IDENTITY THEFT VIOLATIONS Previous Complaints : CFPB Ref. # XXXX and # XXXX Despite two prior CFPB complaints and a properly filed Identity Theft Report, Credit Corp Solutions continues to violate federal law by attempting to collect and report a fraudulent account. Most recently, they escalated their misconduct by issuing threatening attorney outsource letters a clear abuse of process under the FDCPA, especially concerning a disputed identity theft account. 

The account, originally tied to XXXX XXXX XXXX  has already been confirmed as fraudulent in my FTC Identity Theft Report filed in XX/XX/year> and updated in XX/XX/year>. This report clearly states that I did not authorize the account. Supporting evidence includes : The fraudulent address ( XXXX XXXX XXXX ) associated with this identity theft has already been deleted from both XXXX XXXX XXXXCredit Corp Solutions inter
nal records still reference this address, proving the data stems from a known fraudulent source. 

I am a victim of the XXXX  data breach, in addition to XXXX other data breaches, compromising the validity of any identity verification methods used by the creditor. 

Credit Corp Solutions failed to validate the account per federal law they provided no chain of title, original agreement, or verified e-signature, rendering the alleged debt invalid under FDCPA 809 ( b ) and UCC 9-210. 

Bureau & Furnisher Non-Compliance Despite submitting proper documentation under FCRA 605B, the credit bureaus have failed to permanently delete the fraudulent account. Instead, they are improperly marking the account as closed or continuing reinvestigations, which is a direct violation of FCRA 605B ( b ), ( e ), and ( f ) ( 4 ). According to XXXX XXXX credit reporting standards, once a valid Identity Theft Report is submitted, the account must be coded as XXXX  Account Blocked Due to Identity Theft. Failure to code it as such constitutes data furnishing noncompliance and results in continued harm to my credit profile. 

Legal Violations Cited : FCRA 605B Mandatory deletion of identity theft accounts. 

FCRA 607 ( b ) Lack of reasonable procedures for accuracy.

FCRA 611 ( a ) ( 5 ) Improper re-reporting of previously disputed or unverifiable information.

FDCPA 809 ( b ) Collector failed to validate or cease collection.

UCC 9-210 No proof of ownership or lawful assignment. 

XXXX XXXX Guidelines Failure to code the tradeline as XXXX per XXXX compliance standards. 


Final Note : This continued collection and reporting activity is not only unlawful it is abusive and obstructive. It is harming my ability to access credit, employment, and housing. Under FCRA 605B ( f ) ( 4 ), this account must be deleted not verified or closed. I urge the CFPB to treat this as a systemic pattern of abuse and act decisively within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: EQUIFAX, INC.
State: IL

Complaint narrative:
This is a formal Metro 2 compliance-based identity theft dispute and legal demand for immediate deletion of fraudulent accounts, names, addresses, inquiries, and public records from my Equifax credit report. I am a verified victim of identity theft as supported by my FTC Identity Theft Report # XXXX, filed due to the Equifax data breach. 

Under FCRA 605B, Equifax is legally required to block fraudulent data within four ( 4 ) business days of receiving documentation. Failure to comply will result in CFPB complaints, legal proceedings, and federal audits.

These inquiries were made without permissible purpose, which violates both Metro 2 Field 1A and federal law : FCRA 604 ( a ) ( 3 ) mandates that inquiries must have a certified permissible purpose. None of the above were authorized by me. 
LEGAL FOUNDATIONS OF DISPUTE : METRO 2 FIELD VIOLATIONS : Field 17A Incorrect payment status ( e.g., 60/90 day late after charge-off or fraud ) Field 25 Inaccurate Date of First Delinquency Field 28 Reporting balances that should be {$0.00} after fraud affidavit Field XXXX ID, name, and address mismatches not corrected after dispute Field 26 Improper status codes on fraudulent accounts FCRA VIOLATIONS : 605B Failure to block fraudulent data within 4 business days 602 ( a ) Lack of procedures to ensure accuracy 607 ( b ) Continuing to report known inaccurate data 604 ( a ) ( XXXX ) Reporting inquiries without permissible purpose SUPPORTING CASE LAW : XXXX XXXX Equifax ( XXXX ) Equifax held liable for re-reporting identity theft accounts after notice XXXX XXXX TransUnion ( XXXX XXXX XXXX ) CRA must perform reasonable investigation XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) Re-reporting inaccurate data triggers statutory liability

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: IL

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-07-25 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: GA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX ( XXXX U.S.C. XXXX ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$9100.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief