vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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: MO

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
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 2025-06-24 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: MD

Complaint narrative:
Complainant : XXXX XXXX XXXX Subject : Inaccurate and Unverified Items on Credit Report Request for Reinvestigation Procedures and Evidence I, XXXX XXXX XXXX, am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding unresolved inaccuracies appearing on my credit report. I am acting on my own behalf as a natural person and consumer. This complaint arises due to the credit reporting agencys failure to properly reinvestigate and verify disputed information as required by federal law. 

Pursuant to 15 U.S. Code 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), I have the right to request a detailed description of the reinvestigation procedure used to verify the accuracy of disputed items. This includes the names, addresses, andif availabletelephone numbers of any furnishers of information contacted during the investigation.

Despite having previously disputed these accounts, no sufficient action has been taken to correct or verify the information. Below are the items in dispute : Disputed Accounts and Information : XXXX XXXX Bankruptcy Case Number : XXXX Charge Offs / Late Payments ( Multiple ) XXXX XXXXXXXX ( Account ending : XXXX... ) XXXX XXXX  ( Multiple accounts : XXXX ..., XXXX ..., XXXX ..., XXXX... ) XXXX XXXX ( Account ending : XXXX... ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Collections XXXX XXXX XXXX ( Account ending : XXXX... ) Incorrect Personal Information Incorrect current and previous addresses, including : XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX MD XXXX Incorrect employer listing : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
In XX/XX/XXXX, Apple closed my credit card. At the time, there was a balance that needed to be paid by me. On XX/XX/XXXX, I spoke to a Goldman Sachs representative who stated that if I paid off the entire balance on my closed account that day, they would, as a one-time exception, refund the interest charges on my account. 
I agreed and paid off the entire card. In the attached XX/XX/XXXX statement, I highlighted relevant text in yellow as well as put a red rectangle around the interest charge that was specified for that month. This total was {$100.00}. As discussed though, the interest charge was refunded/waived as shown. This is also apparent in the attached XX/XX/XXXX statement. There is a line item that is listed as DISPUTE CREDIT for the amount of {$100.00}. 

However, in XX/XX/XXXX, there is an item titled DISPUTE REVERSAL with a charge of {$100.00}. This means that, contrary to what Apple promised, the interest was charged but just at a later date. The fact that the exact amount of {$100.00} is refunded then charged again is indicative of this. 

The reason why this is wrong and should be fixed is because on XX/XX/XXXX, after the entire balance was paid off, the Apple Card website immediately logged me out and prevented me from logging in completely. When I tried to login, an error message popped up saying that I did not have an account with them anymore. Furthermore, Apple went against their word in regards to waiving/refunding the interest fees. 

Ultimately, this interest fee ended up reversing later improperly. I was not notified of this at all, had no account access, and then they reported me as delinquent in XX/XX/XXXX. This was despite me paying off the balance in full on my closed credit card in XX/XX/XXXX. This missed payment report affected my credit score, dropping it from a perfect 100 % to 99 % as a result of this. In this situation, both the impact on my credit history/score and the fees being charged to me are wrong and should be fixed. I even contacted Apple immediately in XXXX to request more information about the origins of the charge. The representative said they did not know what the charge was and opened up a case, which never amounted to anything despite this issue persisting since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: GA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Failure to Locate Account Unverifiable Credit Reporting To Whom It May Concern, This letter is in response to your correspondence dated XX/XX/year>, regarding my complaint submitted to the Consumer Financial Protection Bureau . 

You stated that you are unable to locate an account associated with the information I provided. However, XXXX  ( or a party reporting under the name DPT EDXXXX ) is furnishing one or more derogatory accounts to the consumer reporting agencies under my name. These accounts contain late payment notations and remain visible on my credit reports. 

If you are furnishing information to the credit bureaus that you can not verify, you are in violation of federal law. 

Under the Fair Credit Reporting Act, the following apply : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Duty not to furnish information known to be inaccurate 15 U.S.C. 1681s-2 ( b ) : Obligation to investigate and correct disputed information If you are not the party furnishing the data, I request you confirm in writing who is. If you are the furnisher but can not verify the account, you must : Immediately stop reporting the account to XXXX, XXXX, and XXXX  Submit formal deletion requests to all three credit bureaus Provide written confirmation that the account has been deleted I reserve all rights and remedies under state and federal law and will continue to escalate this matter through regulatory channels if no resolution is reached. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: FL

Complaint narrative:
I must emphasize that this complaint is not a mistake. My credit report contains inaccuracies that fail to meet the standard of maximum possible accuracy. These errors are placing a heavy burden on me and continue to negatively affect my life in ways that are difficult to fully express. These are incredibly trying times, and having these inaccuracies corrected or removed would be more than just helpfulit would truly be a blessing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name XXXX  is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance. 

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: CA

Complaint narrative:
There are accounts being reported under my name without my authorization or knowledge. I have never opened, managed, or approved these accounts, and their presence on my credit report is completely unacceptable. They contain inaccurate and misleading information that misrepresents my financial history. 
I take my credit profile very seriously, and the appearance of these unauthorized accounts is deeply concerning. I need immediate clarification on how these accounts came to be reported and who is responsible for including them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am submitting this formal complaint regarding the reporting of inaccurate and unverifiable information on my XXXX  credit report, generated on XX/XX/year>. The entries in question pertain to the following accounts : 1. WFBNA Card ( Acct # : XXXX ) These accounts are negatively impacting my credit profile and have been previously disputed with XXXX. However, XXXX  has failed to provide sufficient documentation to verify these accounts as required by the Fair Credit Reporting Act ( FCRA ). Furthermore, they have continued to report the negative information without a thorough reinvestigation or evidence. 
Under FCRA 609 ( a ) ( 1 ), I have the right to receive all records used in the reporting of any credit entry, including original signed contracts, complete account histories, and a chain of custody from the original creditor. Neither XXXX  nor the data furnishers ( XXXX XXXX and WFBNA ) have provided this documentation. 
Additionally, per FCRA 611 ( a ), credit reporting agencies are required to conduct a reasonable investigation of any disputed item. XXXX refusal to remove unverifiable or outdated information is a violation of this section. 
Further, under FCRA 623 ( b ), data furnishers must investigate disputes and provide accurate information. The continued reporting of these accounts, despite the lack of validation, constitutes willful noncompliance. FCRA 616 and 617 provide for civil liability when credit reporting agencies or furnishers fail to meet their obligations. 
I respectfully request the CFPB to investigate this matter and require XXXX  and the associated furnishers to either verify these accounts with complete legal documentation or permanently delete them from my credit report. I am enclosing a copy of my credit report, previous dispute letters, and any responses received. 
Thank you for your time and assistance in protecting my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally dispute an ongoing issue with my consumer report maintained by TransUnion. On multiple occasions, I have attempted to access my credit report through your online platform and have been repeatedly denied access. This issue has occurred numerous times and appears to be systemic. I am requesting immediate resolution and compliance with federal law. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681g, I have the legal right to full and accurate disclosure of all information in my file at the time of my request. Your systems persistent failure to allow me online access to my report constitutes a violation of this statute and undermines my rights as a consumer.

Additionally, I demand that this letterand any associated disputes or inquiriesbe reviewed by a qualified human investigator and not by any form of artificial intelligence, algorithmic system, or automated response tool. As provided under 15 U.S. Code 1681i ( a ) ( 4 ), a credit reporting agency must conduct a reasonable investigation when a consumer disputes information. A reasonable investigation can not, by definition, be fulfilled by a non-human process when a pattern of access denial and procedural failure is at issue.

Please confirm, in writing, that my complaint is being handled by a live representative, and that appropriate corrective action is being taken to resolve my inability to access my file. I request a mailed copy of my full consumer report at no charge, pursuant to 15 U.S. Code 1681j, given this repeated denial of digital access.

If this matter is not resolved promptly and in compliance with the law, I will have no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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:
I did not open these accounts please remove 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 explanation