vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block - 15 USC 1681i ( 5 ) - 15 USC 1681i ( a ) 1 - 15 USC 1681i ( a ) 6 ( B ) 3 - 15 USC 1681i ( a ) ( 5 ) B 15 USC 1692A 15 USC 1692A-3 15 USC 1692A5 15 USC 1681IS-2 15 USC 1692g 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 PLEASE REMOVE ALL ACCOUNTS A.S.A.P 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

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 2025-06-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint due to the continued failure of a consumer reporting agency to correct inaccurate and potentially unverifiable information in my credit file, despite submitting multiple formal disputes. 

My most recent dispute was filed on XX/XX/XXXX. To date, the agency has responded inadequately by asserting that the accounts were verified, without fulfilling the legal obligation to provide the method of verification as required under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). 

Disputed Accounts XXXXXXXX XXXX XXXXXXXX Account # : XXXX Date Opened : XX/XX/XXXXXXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Account # : XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Violations of the Fair Credit Reporting Act Despite several attempts to obtain clarification, the credit bureau has failed to : Provide the specific method of verification used for each disputed item Disclose the name and contact information of each data furnisher Share any documentation relied upon in its investigations This lack of transparency constitutes a clear violation of : 15 U.S.C. 1681e ( b ) failure to maintain reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) failure to properly reinvestigate disputed items Requested Relief I am requesting that the CFPB require the credit reporting agency to : Reinvestigate all disputed items listed above in full compliance with the FCRA Provide the method of verification used, including supporting documentation Remove any unverifiable or inaccurate accounts Issue a corrected copy of my credit report reflecting these updates Escalation Warning If this matter is not fully resolved by XX/XX/XXXX, I intend to pursue further actions, including : Filing additional formal complaints with the FTC and Alabama State Attorney General Seeking legal remedies under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance This is my final attempt to resolve the matter before escalation. I respectfully request the CFPBs intervention to ensure my rights under the Fair Credit Reporting Act are enforced. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: NY

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: Experian Information Solutions Inc.

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 explanation
Consumer complaint received 2025-06-09 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: EQUIFAX, INC.

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On XX/XX/XXXXXXXX  I received a letter from my bank XXXX telling me they were canceling my line of credit. I called my bank and after looking at my credit report on XXXX XXXX I found that there was a collection bill of {$3500.00} to XXXX XXXX and it was last reported on XX/XX/XXXX. I made numerous calls to the XXXX XXXX over the next 24 hours. I found out that this was a Paypal credit card that was opened with my social security number. The perpetrator used my maiden name and an address that I lived at and moved out of in XXXX. This credit card was through Synchrony bank. I have never had a PayPal credit card, and the only XXXX account I have is linked to my debit card. I have been married since XXXX and have been residing in my residence since XXXX. I filled out a police report and filled out forms to report this to to XXXX XXXX XXXXXXXX, XXXX, XXXX. I called the federal trade commission and social security to report this also.

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 2025-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX XXXX XXXX removed my whole credit report and history from TransUnion causing my score to go down and deleting it.

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 2025-06-09 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: TN

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 2025-06-09 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: VA

Complaint narrative:
Loans were forgiven due to a class action lawsuit. They should not be on my credit report but have not been moved causing a low credit score as well as higher interest and insurance rates. Can not affird due to debt tk income ration shown incorrectly.

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 2025-06-09 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: VA

Complaint narrative:
Loans were forgiven due to a class action lawsuit. They should not be on my credit report but have not been moved causing a low credit score as well as higher interest and insurance rates. Can not affird due to debt tk income ration shown incorrectly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Loans were forgiven due to a class action lawsuit. They should not be on my credit report but have not been moved causing a low credit score as well as higher interest and insurance rates. Can not affird due to debt tk income ration shown incorrectly.

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 2025-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, I placed an online delivery order from XXXX, order # XXXX and was charged {$370.00}. 

XXXX charged me again, today, XX/XX/XXXX for the same amount of {$370.00}, for NO REASON. Now, I'm overdrawn {$370.00} and I can't pay my bills. I will be charged late fees and suffer repossession of electrical appliances. I can't get my laundry done or buy ANYTHING! 

Talked to XXXX from XXXX, reference number XXXX. She told me to call my bank and tell the bank that XXXX was going to call them so the hold can be released. I called the bank, again, and told them and the bank refused to cooperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information Under FCRA 1681o Civil Liability for Negligence To Whom It May Concern, I am writing to formally dispute the accuracy of certain information on my credit report as provided by your agency. Upon reviewing my report, I have identified the following inaccurate or incomplete item ( s ) : Account Name/Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inaccuracy Identified : Inaccurate late payment dates, Inaccurate balance, Duplicate entries. 
I believe this information is being reported in error and that your agency has failed to follow reasonable procedures to assure maximum possible accuracy, as required under the Fair Credit Reporting Act. I am requesting a full reinvestigation of this item and the correction or deletion of any information that can not be verified. 
Furthermore, I am asserting my rights under 15 U.S.C. 1681o, which states that any consumer reporting agency or furnisher of information that is negligent in failing to comply with the FCRA is liable for damages. The continued reporting of inaccurate or unverified informationafter being notified and provided evidencemay constitute negligent noncompliance. 
I am requesting that your agency : 1. Conduct a reinvestigation of the disputed information as required under 15 U.S.C. 1681i ; 2. Provide written confirmation of the outcome of your reinvestigation ; 3. Delete or correct any unverifiable or inaccurate information ; 4. Provide me with the name, address, and phone number of the furnisher of the disputed information, if applicable. 
Supporting Documentation Enclosed : Drivers License, SSN Card, Proof of address.

Please be advised that failure to correct or delete this information may result in civil liability for negligent noncompliance with the FCRA. 
I expect a response to this letter within the 30-day time frame required by federal law. 
Sincerely,

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 2025-06-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information Under FCRA 1681o Civil Liability for Negligence To Whom It May Concern, I am writing to formally dispute the accuracy of certain information on my credit report as provided by your agency. Upon reviewing my report, I have identified the following inaccurate or incomplete item ( s ) : Account Name/Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inaccuracy Identified : Inaccurate late payment dates, Inaccurate balance, Duplicate entries. 
I believe this information is being reported in error and that your agency has failed to follow reasonable procedures to assure maximum possible accuracy, as required under the Fair Credit Reporting Act. I am requesting a full reinvestigation of this item and the correction or deletion of any information that can not be verified. 
Furthermore, I am asserting my rights under 15 U.S.C. 1681o, which states that any consumer reporting agency or furnisher of information that is negligent in failing to comply with the FCRA is liable for damages. The continued reporting of inaccurate or unverified informationafter being notified and provided evidencemay constitute negligent noncompliance. 
I am requesting that your agency : 1. Conduct a reinvestigation of the disputed information as required under 15 U.S.C. 1681i ; 2. Provide written confirmation of the outcome of your reinvestigation ; 3. Delete or correct any unverifiable or inaccurate information ; 4. Provide me with the name, address, and phone number of the furnisher of the disputed information, if applicable. 
Supporting Documentation Enclosed : Drivers License, SSN Card, Proof of address.

Please be advised that failure to correct or delete this information may result in civil liability for negligent noncompliance with the FCRA. 
I expect a response to this letter within the 30-day time frame required by federal law. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My rights were violated as a consumer under 15 USC 1681B I filed the FTC Report to have these items removed and blocked and deleted off my credit report immediately. 
XXXX XXXX Account # XXXX Date:XXXX2019,

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 2025-06-09 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX  Experian

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 2025-06-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint due to the continued failure of a consumer reporting agency to correct inaccurate and potentially unverifiable information in my credit file, despite submitting multiple formal disputes. 

My most recent dispute was filed on XX/XX/XXXX. To date, the agency has responded inadequately by asserting that the accounts were verified, without fulfilling the legal obligation to provide the method of verification as required under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). 

Disputed Accounts XXXXXXXX XXXX XXXXXXXX Account # : XXXX Date Opened : XX/XX/XXXXXXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Account # : XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Violations of the Fair Credit Reporting Act Despite several attempts to obtain clarification, the credit bureau has failed to : Provide the specific method of verification used for each disputed item Disclose the name and contact information of each data furnisher Share any documentation relied upon in its investigations This lack of transparency constitutes a clear violation of : 15 U.S.C. 1681e ( b ) failure to maintain reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) failure to properly reinvestigate disputed items Requested Relief I am requesting that the CFPB require the credit reporting agency to : Reinvestigate all disputed items listed above in full compliance with the FCRA Provide the method of verification used, including supporting documentation Remove any unverifiable or inaccurate accounts Issue a corrected copy of my credit report reflecting these updates Escalation Warning If this matter is not fully resolved by XX/XX/XXXX, I intend to pursue further actions, including : Filing additional formal complaints with the FTC and Alabama State Attorney General Seeking legal remedies under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance This is my final attempt to resolve the matter before escalation. I respectfully request the CFPBs intervention to ensure my rights under the Fair Credit Reporting Act are enforced. 

Sincerely, 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