vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX, XXXX, PA XXXX Subject : Urgent Request for Immediate Removal of Fraudulent inquiries Due to Identity Theft To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts from my credit report. These accounts were opened or used without my authorization as a result of identity theft. I have attached a copy of my Federal Trade Commission ( FTC ) identity theft report as supporting evidence. 

The following inquiries must be removed immediately : XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be permanently removed from my credit file with no delays. These accounts are fraudulent, and I am not responsible for any activity associated with them. 

Enclosed Documents : 1. FTC Identity Theft Report 2. Copy of my government-issue This matter is urgent, and I expect a prompt resolution. If these fraudulent accounts are not removed immediately, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary.

Please send a written confirmation once these accounts have been removed. If you refuse to remove them, provide a detailed explanation of your investigation and the evidence used to verify these accounts.

Thank you for your immediate attention to this matter. I can be reached at the contact information above if further clarification is needed. 

Sincerely, 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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-05-14 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: CA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/scrub>XXXX 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 your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE {$510.00}XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BALANCE {$5200.00}XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE {$650.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  BALANCE {$420.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX BALANCE {$240.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are 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 2025-05-14 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: LA

Complaint narrative:
Thank you for the companys response. However, I strongly disagree with their decision to continue reporting this account and am requesting a formal review due to the following violations : 1. Re-aged Debt Reporting : XXXX charged off this account in XXXX yet they continue to report activity as of XX/XX/XXXX. This creates the false impression that the debt is recent, which is misleading and violates FCRA 623 ( a ) ( 5 ). This tactic of re-aging derogatory data is unacceptable and designed to suppress my credit unfairly.

2. Inaccurate Past Due Balance Post-Charge-Off : XXXX is reporting the balance of {$5000.00} as both charged off and past due, which is inaccurate. Once an account is charged off, it can not legally continue to accrue past due status. This double-damaging report falsely inflates the derogatory effect and violates FCRA accuracy requirements.

3. No Debt Validation by Collection Partner : XXXX claims the account is still active and being pursued by collection partners, yet I have never received written debt validation from any collector. Reporting a debt without complete verification under FDCPA 809 ( a ) is a serious compliance failure.

4. Damage to My Creditworthiness : This account is actively preventing me from qualifying for a mortgage and other essential financing, despite the account being years old. XXXX refusal to correct or delete the reporting is causing direct and ongoing harm. 

Notice of Intent to Sue : If this account is not removed from my credit report within 15 business days, I will proceed with legal action under : FCRA 611 ( Failure to Correct Inaccurate Information ) FCRA 623 ( Furnisher Obligations ) FDCPA 809 ( Lack of Debt Validation ) FCRA 616 & 617 ( Willful and Negligent Noncompliance Civil Liability ) I am demanding immediate deletion of this tradeline from all consumer reporting agencies. If the company believes the reporting is accurate, I request certified documentation proving the accuracy of each reporting element. Otherwise, I expect deletion and will proceed accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: LA

Complaint narrative:
Thank you for the companys response. However, I strongly disagree with their decision to continue reporting this account and am requesting a formal review due to the following violations : 1. Re-aged Debt Reporting : XXXX charged off this account in XXXX, yet they continue to report activity as of XX/XX/XXXXXXXX XXXX This creates the false impression that the debt is recent, which is misleading and violates FCRA 623 ( a ) ( 5 ). This tactic of re-aging derogatory data is unacceptable and designed to suppress my credit unfairly.

2. Inaccurate Past Due Balance Post-Charge-Off : XXXX is reporting the balance of {$5000.00} as both charged off and past due, which is inaccurate. Once an account is charged off, it can not legally continue to accrue past due status. This double-damaging report falsely inflates the derogatory effect and violates FCRA accuracy requirements. 

3. No Debt Validation by Collection Partner : XXXX claims the account is still active and being pursued by collection partners, yet I have never received written debt validation from any collector. Reporting a debt without complete verification under FDCPA 809 ( a ) is a serious compliance failure.

4. Damage to My Creditworthiness : This account is actively preventing me from qualifying for a mortgage and other essential financing, despite the account being years old. XXXX refusal to correct or delete the reporting is causing direct and ongoing harm. 

Notice of Intent to Sue : If this account is not removed from my credit report within 15 business days, I will proceed with legal action under : FCRA 611 ( Failure to Correct Inaccurate Information ) FCRA 623 ( Furnisher Obligations ) FDCPA 809 ( Lack of Debt Validation ) FCRA 616 & 617 ( Willful and Negligent Noncompliance Civil Liability ) I am demanding immediate deletion of this tradeline from all consumer reporting agencies. If the company believes the reporting is accurate, I request certified documentation proving the accuracy of each reporting element. Otherwise, I expect deletion and will proceed accordingly.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Thank you for the companys response. However, I strongly disagree with their decision to continue reporting this account and am requesting a formal review due to the following violations : 1. Re-aged Debt Reporting : XXXX charged off this account in XXXX, yet they continue to report activity as of XX/XX/XXXX. This creates the false impression that the debt is recent, which is misleading and violates FCRA 623 ( a ) ( 5 ). This tactic of re-aging derogatory data is unacceptable and designed to suppress my credit unfairly.

2. Inaccurate Past Due Balance Post-Charge-Off : XXXX is reporting the balance of {$5000.00} as both charged off and past due, which is inaccurate. Once an account is charged off, it can not legally continue to accrue past due status. This double-damaging report falsely inflates the derogatory effect and violates FCRA accuracy requirements.

3. No Debt Validation by XXXX XXXX : XXXX claims the account is still active and being pursued by collection partners, yet I have never received written debt validation from any collector. Reporting a debt without complete verification under FDCPA 809 ( a ) is a serious compliance failure.

4. Damage to My Creditworthiness : This account is actively preventing me from qualifying for a mortgage and other essential financing, despite the account being years old. XXXX refusal to correct or delete the reporting is causing direct and ongoing harm. 

Notice of Intent to Sue : If this account is not removed from my credit report within 15 business days, I will proceed with legal action under : FCRA 611 ( Failure to Correct Inaccurate Information ) FCRA 623 ( Furnisher Obligations ) FDCPA 809 ( Lack of Debt Validation ) FCRA 616 & 617 ( Willful and Negligent Noncompliance Civil Liability ) I am demanding immediate deletion of this tradeline from all consumer reporting agencies. If the company believes the reporting is accurate, I request certified documentation proving the accuracy of each reporting element. Otherwise, I expect deletion and will proceed accordingly.

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 2025-05-14 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: MA

Complaint narrative:
I am disputing the inaccurate late payment entries being reported on my Equifax credit report for XXXX XXXX XXXX ( Account Number : XXXX ) - {$10.00}, XXXX XXXX XXXX ( Account Number : XXXX ) - Balance & Past Due : {$0.00}, and XXXXXXXX XXXX ( Account Number : XXXX ) - Balance & Past Due : {$0.00}. These entries inaccurately reflect late payments despite the accounts having a current status, which is misleading and directly impacts my credit profile. 

Moreover, recent findings by the Consumer Financial Protection Bureau ( CFPB ) have highlighted significant concerns regarding Equifaxs failure to conduct proper investigations. In a lawsuit filed against Equifax, the CFPB alleged that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. 16811 ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements is a violation of federal law and directly undermines my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: CO

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: LA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-05-14 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: GA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: NJ

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: FL

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX and XXXX XXXX XXXX for inaccurate and misleading reporting of a collection account that was already paid. 

The account in question : Creditor : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Co. 

Balance : {$180.00} Date Opened : XX/XX/XXXX Status : Collection account ( still showing unpaid as of XX/XX/XXXX ) This debt was paid in full to XXXX prior to being transferred or sold to XXXX XXXX XXXX. I was never notified that my account would be sold, and I never authorized a third-party collection effort. 

The continued reporting of this as an active, unpaid collection is : A violation of the Fair Credit Reporting Act ( FCRA ) furnishing inaccurate and unverifiable data A violation of the Fair Debt Collection Practices Act ( FDCPA ) collecting or reporting on a debt that is no longer valid This tradeline is now damaging my credit score despite having satisfied the original obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: MO

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
I am disputing the legitimacy of an account with Acima Leasing ( Account XXXX XXXX ). On XX/XX/XXXX XXXX  I received an email from Acima offering a one-time discounted lease purchase option for {$660.00} plus tax, to settle a XXXX XXXX amount of {$3300.00}. This was the first and only communication I received about this alleged debt. 

I was never provided any prior notice, validation, or breakdown of the debt. Acima did not send me a written notice of the debt within 5 days of the alleged initial communication, nor was I given the legally required 30-day opportunity to dispute the validity of the debt. This violates FDCPA 1692g ( a ). 

Additionally, if Acima has reported this item to any credit bureau, such reporting was done without validating the debt, which violates FCRA 1681s-2 ( b ) and FCRA 1681e ( b ) requiring accuracy and proper investigation.

I am requesting a full validation of the debt or the immediate removal of all derogatory reporting related to this account. I am filing this complaint through the CFPB to formally document these violations and request corrective action.

Company response to consumer: Closed with explanation