vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 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: VA

Complaint narrative:
I am filing a formal dispute regarding inaccurate reporting on my credit report concerning the account listed as XXXX. 

The account is reporting the following issues : Status : Charge-off, charged off as bad debt, and unpaid balance reported as a loss across Equifax, TransUnion, and Experian. 
Balance : {$400.00}. 
Credit Limit : {$200.00}. 

Reasons for Dispute : The reported balance is inconsistent and exceeds the original credit limit. 
It is unclear how a balance of {$400.00} is being reported on a {$200.00} credit limit account. 
Under the Fair Credit Reporting Act ( FCRA ), all information furnished to consumer reporting agencies must be complete and accurate ( 15 U.S.C. 1681s-2 ).

This reporting appears to be inaccurate, misleading, and not verifiable, violating my rights under federal law. I request that CFPB investigate this matter and request the data furnisher validate or correct the information. If the account can not be validated with proper documentation, I request immediate removal from all consumer reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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:
TransUnion XXXX XXXX XXXX XXXX, XXXX  XXXX To Whom It May Concern, I am writing to dispute certain late payment entries that appear on my credit report. These entries not only contain inaccurate and unverified information but also appear to violate several provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a, 1681b, and 1681n.

Violation of 15 U.S.C. 1681b Permissible Purpose for Furnishing Consumer Reports Section 1681b ( a ) clearly outlines the limited and specific purposes for which a consumer report may be provided. Unless a legitimate business need, backed by a consumer-initiated transaction or written consent, exists, the disclosure and usage of such dataespecially adverse information like late paymentsis unlawful.

Given your history of mishandling disputes, lets hope this one gets handled correctly : XXXX  ( XXXX ) Fined {$15.00} XXXX for forgetting how to process disputes. 
XXXX  ( XXXX ) Sued for processing disputes without actually investigating them. 
TransUnion ( XXXX ) Ordered to pay {$60.00} XXXX for falsely flagging consumers as criminals. 
I expect a written response sent to me 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 2025-04-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX Date XX/XX/year> Transworld Systems Inc. 
XXXX XXXX XXXXXXXX XXXX, DE XXXX Subject : Debt Collection Dispute XXXX XXXX Account To Whom It May Concern, I am writing to formally dispute the validity of the debt you claim I owe to XXXX XXXX . I have not received a notice from Transworld Systems Inc. regarding this debt, and I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request that you cease collection efforts until this matter is resolved. 

I do not acknowledge or accept responsibility for this debt, as I believe it to be inaccurate and/or not owed by me. I respectfully request that you provide me with the following : Validation of the debt, including the full account number and the amount alleged to be owed. 

Documentation proving that I am legally obligated to pay this debt to XXXX XXXX. 

A copy of any signed agreement or contract, if applicable. 

A detailed statement of how the amount claimed was calculated. 

Until this information is provided, I request that all collection efforts cease immediately. Furthermore, I request that you do not report this disputed debt to any credit reporting agencies until the dispute is resolved, or if already reported, that you notify them of this dispute. 

Please respond to this request in writing at the address listed above. This letter is being sent via certified mail with return receipt requested to confirm delivery. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: VA

Complaint narrative:
I am filing a dispute regarding the XXXXXXXX XXXX XXXX account as reflected on my credit reports from Equifax, TransUnion, and Experian. The information being reported is inaccurate and damaging to my credit profile. 

Specifically : Equifax is reporting Not more than XXXX payments past due and XXXX days past due. 
TransUnion is reporting XXXX  days past due and XXXX  days past due. 
Experian is reporting Account transferred to another office with XXXX days delinquent. 

The discrepancies between the bureaus are inconsistent, and I believe these delinquency statuses are inaccurately reported or should not be reported at all. Furthermore, the account reflects a {$0.00} balance across all agencies, indicating the debt was satisfied or transferred, yet derogatory marks remain, which is misleading and unfair under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

I request : 1. A full investigation into this accounts reporting. 2. Verification and documentation proving the accuracy of the reported delinquencies.

3. Immediate correction or removal of any inaccurate, outdated, or unverifiable information.

Please update all three credit bureaus accordingly once the investigation is completed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: PA

Complaint narrative:
I am writing to express my deep concern and dissatisfaction with your lack of response to my previous complaints submitted on XXXX separate occasions. Despite my repeated attempts to address serious issues concerning my credit report, I have yet to receive any acknowledgment or resolution from your office, TRANSUNION, EQUIFAX, EXPERIAN I am currently a victim of identity theft, which has resulted in unauthorized accounts being opened in my name and subsequently reported on my credit file. Additionally, I have noticed collections appearing on my report that I did not authorize. These inaccuracies are significantly affecting my credit standing and causing me considerable distress. The Fair Credit Reporting Act ( FCRA ) entitles me to a prompt and thorough investigation of any disputed information on my credit report. Your continued failure to respond not only violates these rights but also exacerbates the financial and emotional toll of the identity theft I am experiencing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: PA

Complaint narrative:
I am writing to express my deep concern and dissatisfaction with your lack of response to my previous complaints submitted on XXXX separate occasions. Despite my repeated attempts to address serious issues concerning my credit report, I have yet to receive any acknowledgment or resolution from your office, TRANSUNION, EQUIFAX, EXPERIAN I am currently a victim of identity theft, which has resulted in unauthorized accounts being opened in my name and subsequently reported on my credit file. Additionally, I have noticed collections appearing on my report that I did not authorize. These inaccuracies are significantly affecting my credit standing and causing me considerable distress. The Fair Credit Reporting Act ( FCRA ) entitles me to a prompt and thorough investigation of any disputed information on my credit report. Your continued failure to respond not only violates these rights but also exacerbates the financial and emotional toll of the identity theft I am experiencing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: CA

Complaint narrative:
Remove outdated closed loan accounts under early exclusion policy per FCRA 605 ( a ) ( 5 ).

I am requesting an investigation and correction concerning several outdated Dept of EDXXXX student loan accounts that are still appearing on my credit report. These accounts are closed but still appear with " ND - no data '' and potential negative information. 

The loans in question originated around XXXX or earlier, and according to the Fair Credit Reporting Act ( FCRA ), most negative information should only remain for 7 years from the date of first delinquency. 

Because these loans are now approaching or past 6 years, I am requesting early exclusion ( early removal ) to prevent continued damage to my credit profile. This is consistent with standard practice for TransUnion and XXXX  under FCRA guidelines. 

Accounts to be Reviewed for Early Exclusion : Dept of ED/XXXX  Account # XXXX ( Opened XX/XX/XXXX Balance Closed Paid, Closed/Never Late ) Dept of ED/XXXX  Account # XXXX ( Opened XX/XX/XXXX Balance Closed Paid, Closed/Never Late ) Dept of ED/XXXX  Account # XXXX ( Opened XX/XX/XXXX Balance Closed Paid, Closed/Never Late ) Dept of ED/XXXX  Account # XXXX ( Opened XX/XX/XXXX Balance Closed Paid, Closed/Never Late ) Dept of ED/XXXX  Account # XXXX ( Opened XX/XX/XXXX Balance Closed Paid, Closed/Never Late )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: CA

Complaint narrative:
Remove outdated closed loan accounts under early exclusion policy per FCRA XXXX ( a ) ( XXXX ). 


I am requesting an investigation and correction concerning several outdated XXXX XXXX XXXX student loan accounts that are still appearing on my credit report. These accounts are closed but still appear with " ND - no data '' and potential negative information. 

The loans in question originated around XXXX or earlier, and according to the Fair Credit Reporting Act ( FCRA ), most negative information should only remain for XXXX years from the date of first delinquency. 

Because these loans are now approaching or past XXXX years, I am requesting early exclusion ( early removal ) to prevent continued damage to my credit profile. This is consistent with standard practice for XXXX and XXXX under FCRA guidelines. 

Accounts to be Reviewed for Early Exclusion : XXXX XXXX XXXX XXXX XXXX  XXXX ( Opened XX/XX/XXXX Balance Closed Paid, Closed/Never Late ) XXXX XXXX XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX Balance Closed Paid, Closed/Never Late ) XXXX XXXX XXXX Account XXXX XXXXXXXX ( Opened XX/XX/XXXX Balance Closed Paid, Closed/Never Late ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Opened XX/XX/XXXX Balance Closed Paid, Closed/Never Late ) XXXX XXXX XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX Balance Closed Paid, Closed/Never Late )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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:
This is a follow-up complaint regarding TransUnions mishandling of my original CFPB complaint ( Case # XXXX, filed XX/XX/year> ). 

I disputed late payments reported on the following accounts : XXXXXXXX XXXX XXXX ( Account ending XXXX ) XXXX XXXX XXXX ( Account ending XXXXXXXX XXXX XXXX XXXX Account ending XXXX ) I requested full validation, including proof of the late payments, method of verification ( MOV ), and identification of the verifying party.

TransUnion closed my original complaint by updating or verifying as reported without producing any supporting documentation, billing records, or MOV disclosures. 

This violates : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy FCRA 1681i ( a ) : Failure to conduct a reasonable reinvestigation FCRA 1681s-2 ( b ) : Failure of furnishers to properly investigate I am demanding the immediate deletion of the disputed late payments, or full disclosure of the verification evidence.

If not corrected, I intend to pursue claims for willful and negligent noncompliance under FCRA 1681n and 1681o.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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 am submitting a follow-up complaint regarding TransUnion 's mishandling of my original CFPB complaint ( Case # XXXX, filed XX/XX/year> ). Transunion closed the first complaint without providing any proof I have requested. 

I disputed an account reported by XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  ) that does not belong to me. I requested full validation under the Fair Credit Reporting Act ( FCRA ). 

Despite my clear dispute, TransUnion verified the account without providing any proof of ownership, application, wet signature, or legal liability. 

This constitutes violations of : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy FCRA 1681i ( a ) : Failure to conduct a reasonable reinvestigation FCRA 1681s-2 ( b ) : Failure of the furnisher to properly investigate disputed information I demand the immediate deletion of the XXXX account from my TransUnion report. 

If not corrected, I will pursue legal remedies under FCRA 1681n and 1681o for willful and negligent noncompliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/2025 XXXX XXXX [ Address of XXXX XXXX ] [ City, State, ZIP Code ] Subject : Dispute of Collection Account and Fraudulent Activity Dear XXXX XXXX, I am writing to formally dispute inaccurate and potentially fraudulent information related to the account in my name. After reviewing my records, I have found discrepancies regarding the debt you are reporting, and I am requesting a thorough investigation into the matter under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 
Details of the disputed account : - Account Number : [ Insert Account Number Here ] - Date of Entry : [ Insert Date Here ] To resolve this issue, I request that you provide the following information : - Proof of the debt, including detailed documentation showing that I am legally obligated to pay this amount. 
- Evidence of the chain of custody and ownership of the debt, including authorization for your agency to collect it. 
- A complete payment history, including all charges, interest, and payments applied to the 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 explanation
Consumer complaint received 2025-04-26 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/year> XXXX XXXX [ Address of XXXX XXXX ] [ City, State, ZIP Code ] Subject : Dispute of Collection Account and Fraudulent Activity Dear XXXX XXXX, I am writing to formally dispute inaccurate and potentially fraudulent information related to the account in my name. After reviewing my records, I have found discrepancies regarding the debt you are reporting, and I am requesting a thorough investigation into the matter under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 
Details of the disputed account : - Account Number : [ Insert Account Number Here ] - Date of Entry : [ Insert Date Here ] To resolve this issue, I request that you provide the following information : - Proof of the debt, including detailed documentation showing that I am legally obligated to pay this amount. 
- Evidence of the chain of custody and ownership of the debt, including authorization for your agency to collect it. 
- A complete payment history, including all charges, interest, and payments applied to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/2025 XXXX XXXX [ Address of XXXX XXXX ] [ City, State, ZIP Code ] Subject : Dispute of Collection Account and Fraudulent Activity Dear XXXX XXXX, I am writing to formally dispute inaccurate and potentially fraudulent information related to the account in my name. After reviewing my records, I have found discrepancies regarding the debt you are reporting, and I am requesting a thorough investigation into the matter under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 
Details of the disputed account : - Account Number : [ Insert Account Number Here ] - Date of Entry : [ Insert Date Here ] To resolve this issue, I request that you provide the following information : - Proof of the debt, including detailed documentation showing that I am legally obligated to pay this amount. 
- Evidence of the chain of custody and ownership of the debt, including authorization for your agency to collect it. 
- A complete payment history, including all charges, interest, and payments applied to the 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 explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i requested a 1099c when the loan started to show written off/ charged off on my credit report and i was never provided the 1099c.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i requested a 1099c when the loan started to show written off/ charged off on my credit report and i was never provided the 1099c.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: MD

Complaint narrative:
I am requesting the removal of negative items from my credit report that are inaccurate, outdated, or unverifiable, in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Under FCRA Section 609, I have the right to request full verification of any account reported, including original signed contracts. FCRA Section 611 gives me the right to dispute any item I believe is inaccurate, and if it can not be verified within XXXX days, it must be deleted. Additionally, FCRA Section 623 requires furnishers to report accurate and complete information and to conduct reasonable investigations when a dispute is filed. For third-party debt collectors, FDCPA Section 809 gives me the right to request debt validation. Failure to respond with sufficient evidence violates my consumer rights.

These negative items remain on my credit report despite multiple disputes and verification requests, which constitutes non-compliance. Under 15 U.S. Code 1681n and 1681o, I reserve the right to seek damages for willful or negligent noncompliance with the FCRA. I am requesting the CFPB to investigate this matter and enforce the deletion of any unverifiable or inaccurately reported items in accordance with 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