vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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: DC

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. I would like to assert that no permissible purpose under XXXX USC XXXX ( XXXX ) has been established and under the Fair Credit Reporting Act this must be established. XXXX U.S.C XXXX ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. XXXX U.S.C XXXX ( b ) ( XXXX ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to d irect that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. XXXX U.S.C section XXXX A Section XXXX : States a consumer reporting agency can not furnish an account without my written instructions. XXXX U.S.C XXXX ( a ) ( XXXX ) 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 records of convictions of crimes which antedates the report by more than XXXX  years. XXXX U.S.C XXXX ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX U.S.C XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX U.S. Code XXXX ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-08-14 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: I.C. System, Inc.
State: GA

Complaint narrative:
XXXXFormal Debt Validation & Immediate Deletion Demand  Filed via CFPB Complaint PortalXXXXI am filing this complaint to dispute the validity, accuracy, and continued reporting of a collection account by I C System and Sunrise Credit Services on my consumer credit reports. This account is causing direct and ongoing harm to my creditworthiness and financial standing.XXXXReported Account Details:XXXXCreditor/Collection Agency: I C System and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPursuant to my rights under FDCPA 809 [15 U.S.C. 1692g] and FCRA 611 [15 U.S.C. 1681i], you are hereby required to provide full and complete validation of this alleged debt. Your validation must include, at a minimum:XXXXA copy of the original signed agreement bearing my signature, establishing that I am legally obligated for this debt.XXXXA full itemized accounting and payment history showing how the alleged balance was calculatedXXXXProof of your current legal right and authority to collect and report this debt, including a complete chain of title from the original creditor.XXXXDocumentation proving the information you are furnishing to all credit reporting agencies is accurate, complete, and compliant with the FCRA.XXXXIf you cannot produce complete, verifiable documentation within 30 days of receipt of this complaint, you are required by law to:\n\tImmediately delete this account from all consumer credit reporting agencies to which you have furnished it; andXXXXCease all collection activity regarding this alleged debt.XXXXFailure to comply will be treated as a willful violation of the Fair Debt Collection Practices Act and Fair Credit Reporting Act. I will pursue all available legal remedies, including but not limited to:XXXXFiling additional complaints with the Consumer Financial Protection Bureau and my State Attorney General;XXXXInitiating a complaint with the Federal Trade Commission; andXXXXSeeking statutory damages in a court of competent jurisdiction for each violation.XXXXYou are on notice that the CFPB will be monitoring your response. I expect a written confirmation of either:XXXXFull debt validation, orXXXXWritten confirmation of deletion from all credit reports.XXXXThe clock is running  you have XXXX days from receipt of this CFPB complaint to comply.XXXXSincerely,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 explanation
Consumer complaint received 2025-08-14 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: GA

Complaint narrative:
XXXX'Formal Debt Validation & Immediate Deletion Demand  Filed via CFPB Complaint PortalXXXXI am filing this complaint to dispute the validity, accuracy, and continued reporting of a collection account by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPursuant to my rights under FDCPA 809 [15 U.S.C. 1692g] and FCRA 611 [15 U.S.C. 1681i], you are hereby required to provide full and complete validation of this alleged debt. Your validation must include, at a minimum:XXXXA copy of the original signed agreement bearing my signature, establishing that I am legally obligated for this debtXXXXA full itemized accounting and payment history showing how the alleged balance was calculated.XXXXProof of your current legal right and authority to collect and report this debt, including a complete chain of title from the original creditor.XXXXXXXXDocumentation proving the information you are furnishing to all credit reporting agencies is accurate, complete, and compliant with the FCRA.XXXXf you cannot produce complete, verifiable documentation within 30 days of receipt of this complaint, you are required by law to:XXXXImmediately delete this account from all consumer credit reporting agencies to which you have furnished it; andXXXXCease all collection activity regarding this alleged debt.XXXXFailure to comply will be treated as a willful violation of the Fair Debt Collection Practices Act and Fair Credit Reporting Act. I will pursue all available legal remedies, including but not limited to:XXXXFiling additional complaints with the Consumer Financial Protection Bureau and my State Attorney General;XXXXInitiating a complaint with the Federal Trade Commission; andXXXXSeeking statutory damages in a court of competent jurisdiction for each violationXXXXYou are on notice that the CFPB will be monitoring your response. I expect a written confirmation of either:XXXXFull debt validation, orXXXXWritten confirmation of deletion from all credit reports.XXXXThe clock is running  you have XXXX days from receipt of this CFPB complaint to comply.XXXXXXXX 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 explanation
Consumer complaint received 2025-08-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I opened a secure credit card with XXXX  in XXXX. I was informed that the secure credit card would automatically take the funds from a savings account linked to it to satisfy a balance if there was any when the account was created. When the credit card was dispersed I never activated the card and I never used it. WhenI logged into my online platform I was not able to see the card either. I was contacted by XXXX  about a balance sometime in XXXX and eas informed the account was closed as a result. I went in branch and informed them I never used the card or activated it so there could not have been a balance. I logged in showing them the card did not even display on my online platform. XXXX  then realized their error and explained they had created a separate account when they issued the credit card so I was not able to see the credit card on my end nor was I informed of any annual fee, nor could I because of XXXX  's mistake see that an annual fee was due. The bank representative after acknowledging the mistake of the bank had them reverse the late fees and they only took the XXXX dollar annual fee as a payment. They also merged the profiles so I could then see the credit card and because they had closed that card already they issued me another credit card the same secured XXXX cash type again. I have since realized however XXXX has been displaying this account as a delinquent account of 90 days or 120 days despite reversing the charges and acknowledging i was not at fault. I have reached out to XXXX several times by call and I have also sent a letter in XX/XX/XXXX asking them to rectify the issue by fixing reporting the account as delinquent. To date I have not received a response from them. This has resulted in my credit report being flagged by lenders who have not been willing to extend credit to me referencing this account and also has resulted in my not being able to find housing in certain areas. XXXX has refused to fix the issue when I have spoken to their credit card department or supervisors of this department.

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 2025-08-14 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: Experian Information Solutions Inc.
State: CA

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 Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXXXX/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 2025-08-14 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: CA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: OK

Complaint narrative:
XXXX'I am writing to formally dispute the inaccurate, unverifiable, and noncompliant information being reported on my XXXX  consumer credit report. I am asserting my rights under the Fair Credit Reporting Act (FCRA), Consumer Financial Protection Act (CFPA), and citing direct violations confirmed by the CFPBs XXXX XXXX lawsuit against EQUIFAX XXXXI am a victim of malpractice and broken laws based on the XXXX lawsuit against EQUIFAX XXXXAnd Im also filling this complaint due to XXXX  repeated violations of federal consumer protection laws, failure to process my identity theft claims, reinsertion of accounts without notice, and continued reporting of inaccurate and noncompliant credit data. Despite multiple formal disputes, XXXX  has failed to meet its obligations under: - 15 U.S.C.  1681i  Failure to conduct a reasonable reinvestigation - 15 U.S.C.  1681i(a)(2)  Failure to forward all submitted documentation to furnishers - 15 U.S.C.  1681e(b)  Failure to maintain maximum possible accuracy - 15 U.S.C.  1681c-2  Failure to block fraudulent accounts upon identity theft report - 18 U.S.C.  1028  Identity Theft and Assumption Deterrence Act - FACTA  Fair and Accurate Credit Transactions Act of XXXX  - Metro 2 Compliance Standards Personal Information Inaccuracies XXXX continues to list fraudulent and inaccurate addresses on my credit file, despite receiving my government-issued ID and utility documentation. The only valid address that should appear is listen in the letter All others are the result of identity theft or XXXX  data mishandling. \n\nAccounts Reported in Violation of Federal Law XXXX XXXX Bankruptcy XXXX XXXX XXXXXXXX Failure to investigate identity theft (FCRA  1681c-2) XXXX XXXX XXXX XXXX XXXX Failure to investigate identity theft (FCRA  1681c-2) XXXX XXXX XXXX XXXX  Failure to investigate identity theft (FCRA  1681c-2) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to investigate identity theft (FCRA  1681c-2) XXXX XXXX XXXX XXXX Failure to investigate identity theft (FCRA  1681c-2)\n\nAccounts reinserted without MOV or consumer notice, Metro 2 violations (codes XXXX), FCRA  1681c-2 and  1681i(a)(2) violations Pattern of Misconduct  EQUIFAX  Lawsuit Reference This is not isolated. The CFPB filed suit against EQUIFAX in XXXX XXXX  (Case XXXX) for failing to forward disputes, illegally reinserting accounts, and disregarding identity theft claims  the very same \nconduct Im reporting here. I am directly experiencing the same violations as outlined in that case'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: CA

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

1681c-2 ) that you, the XXXX XXXX XXXX , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-08-14 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: NC

Complaint narrative:
I am writing to you as the holder of account number XXXXXXXX XXXX XXXX XXXX XXXX credit card, to report an issue negatively impacting My credit. report. this issue appears to be in violation of the provisions of 15 U.S. code 1666b and other relevant sections of the fair credit reporting act ( FCRA ). Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. code 1681s-2. 
I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. below are the details of the affected payments Date of reported late payment : XX/XX/scrub>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 2025-08-14 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX XXXX XXXX XXXX  List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a 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 records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: MI

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: GA

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-08-14 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: FL

Complaint narrative:
Please help me get these unauthorized accounts removed from my credit file. I never created them and was never notified. Per USC 1681g, I ask for their removal within 15 days. Supporting evidence is enclosed.

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