vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-05 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: OH

Complaint narrative:
Between XXXX and XX/XX/year>, I applied for auto loans through XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. All applications were denied. Upon investigation, I found that my credit report was temporarily frozen at the time due to prior identity theft concerns. 

These lenders denied my applications without notifying me of the issue or giving me an opportunity to unfreeze my credit and resubmit. I was also not provided proper adverse action notices, as required by the Fair Credit Reporting Act ( FCRA ). 

These actions violated my rights under the FCRA in the following ways : XXXX XXXX XXXX XXXX They attempted to access my report without success due to a credit freeze, yet failed to notify me or obtain proper permission to proceed. 

XXXX XXXX XXXX XXXX ( a ) They did not provide complete and timely adverse action notices, which must explain the specific reasons for denial and the source of the credit report used. 

XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) I was not given a reasonable opportunity to dispute or correct any inaccuracies or resolve the freeze issue before a final denial was issued. 

XXXX XXXX XXXX XXXX ( b ) The lenders failed to ensure the maximum possible accuracy in evaluating my creditworthiness, using incomplete data. 

These companies acted negligently by making credit decisions on frozen or inaccessible reports and by not complying with legally mandated consumer notice procedures. I am requesting an immediate investigation, correction of these denials, and confirmation that these events will not negatively affect my credit or eligibility moving forward.

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 2025-07-05 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: PA

Complaint narrative:
On or around XX/XX/year>, I discovered that a XXXX account was suddenly added to my TransUnion credit report. I never authorized, applied for, or enrolled in any XXXX reporting service. I have never signed any agreement or consent form allowing my rent history to be reported by XXXX or any affiliate. This account appeared without my knowledge or permission, and the information listed is inaccurate and misleading. 

This addition is highly suspicious given that I have been actively disputing multiple accounts with TransUnion for reporting false, unverifiable, or re-aged information. It appears retaliatory or negligent for a new, unauthorized tradeline to appear while my credit file is under formal review and legal scrutiny. This pattern raises serious FCRA compliance concerns. 

I have formally requested validation of this XXXX account, including a signed agreement or lease authorization permitting this reporting. To date, no documentation has been provided to verify its legitimacy. Under the Fair Credit Reporting Act ( FCRA ), any account reported to a consumer file must be accurate and verifiable. 

I am demanding the immediate deletion of this account from my TransUnion credit file, as it was added without my consent, contains inaccurate information, and can not be verified. If TransUnion and XXXX can not produce legally binding authorization for this reporting, they are in clear violation of FCRA Sections 604 and 607, and I reserve the right to pursue further legal action.

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 2025-07-05 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: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXXXXXX XXXX  DEPTEDNELNET XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$6200.00} Date Opened : XX/XX/year>, DEPTEDNELNET XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} Date Opened : XX/XX/year>, DEPTEDNELNET XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$5300.00} Date XXXX, DEPTEDNELNET XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} Date Opened:XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$4200.00}. 
Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

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 2025-07-05 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: PA

Complaint narrative:
I received an automated generated letter from Experian requesting documents that I already submitted with my original Identity theft report complaint. I received this letter within 3 days of my submission of the complaint. Experian honored my Identity theft complaint and removed the inquiries on my credit file, but sent the generated letter requesting the documents already submitted for the fraudulent accounts and did not block them. A thorough investigation was not initiated and Experian treated my complete and my accurate Identity Theft reports with the required documentation to have the accounts block immediately, as frivolous. This is a direct violation of my rights a consumer. I attempted to upload the documents again through their Experian upload portal but couldn't access it. I am attaching the required documents and also proof that the inquiries were removed with the same documentation that I submitted but not the fraudulent accounts. You can not honor the Identity theft report for one item off the report and not the other accounts on the Identity theft reports. Equifax and Transunion has also failed to comply under the FCRA section 605B to block the fraudulent accounts when proper documentation has been received.

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 2025-07-05 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:
Transunion, Equifax, and Experian keeps verifying a bankruptcy through XXXX but i have given each of them a report from XXXX XXXX XXXX XXXX  Bankruptcy Courts that they never sent, gave, nor released any information on me to either of theses agencies and under the FCRA they are commiting violations and causing harm to me

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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Transunion, Equifax, and Experian keeps verifying a bankruptcy through XXXX but i have given each of them a report from XXXX XXXX XXXX XXXX  Bankruptcy Courts that they never sent, gave, nor released any information on me to either of theses agencies and under the FCRA they are commiting violations and causing harm to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: AL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my XXXX XXXX. I have attached copies of document and request letter to support my claim.

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 2025-07-05 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:
I am writing to dispute the following inaccurate and unverifiable information on my XXXX XXXX. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the XXXX XXXX XXXX XXXX ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you the Experian credit reporting agency, 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. This fraudulent, inaccurate, and false information consists of a personal account opened at XXXX XXXX XXXX ON XX/XX/2024 under the account number XXXX. This account has resulted in a collection appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you ( EXPERIAN ) which shows the aforementioned fraudulent item. I do not recognize the aforementioned account, collection as reported. The aforementioned account, collection appearing on my FICO consumer credit report maintained by you were not opened, made or initiated by me. The aforementioned account, collection are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer credit account, collection is a result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: MO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-07-05 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 complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, TX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$190.00}, CXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$890.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$530.00}, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$890.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1400.00}, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$380.00}, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXXXXXX XXXX XXXX Balance : {$560.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$790.00} Balance : {$710.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$710.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : {$3000.00}. 
Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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:
Hello my name is XXXX XXXX XXXX who resides at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and i am writing this report once again asking for help and a reinvestigation of accounts that are unauthorized and negatively impacting my credit profile. I need these accounts re investigated and REMOVED from my credit profile. These credit agencies and companies reporting this refuse to help and these are false. I have listed them below. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number XXXX Date Opened : XXXX Balance : {$570.00} XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : - XXXX XXXX XXXX XXXX  Account XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}

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 2025-07-05 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 found inaccurate negative items on my credit reports. I contacted the furnished, received no verifiable response. I am requesting a full investigation under FCRA. Please remove this unverified clean.

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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I found inaccurate negative items on my credit reports. I contacted the furnished, received no verifiable response. I am requesting a full investigation under FCRA. Please remove this unverified clean.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: LA

Complaint narrative:
Pursuant to XXXX XXXX XXXX XXXX inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by XXXX XXXX Code XXXX g ( a ) ( XXXX ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: LA

Complaint narrative:
Pursuant to XXXX XXXX XXXX XXXX inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by XXXX XXXX Code XXXX g ( a ) ( XXXX ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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