vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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: NE

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

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 2025-06-23 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 letter is to report and dispute the presence of unauthorized accounts on my credit report. I did not approve or create these accounts. In accordance with 15 U.S. Code 1681g, I request that they be deleted within 15 days. Please see the enclosed documents for evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: TX

Complaint narrative:
I am disputing XXXX separate XXXX XXXX credit card accounts that have been reported as charge-offs, despite both being paid or settled. 

XXXX XXXX XXXX account ( opened in XXXX ) was closed in XX/XX/XXXX and shows Account paid in full was a charge-off on XXXX. It was later updated to a {$0.00} balance in XX/XX/XXXX, but the charge-off status remains. This account continues to reflect negatively even after being resolved. 

A second XXXX XXXX account ( opened in XXXX ) appears on Experian, XXXX, and XXXX  with a history of severe delinquencies ( XXXX to 150 days late ), and was also marked as a charge-off of {$470.00}. I made efforts to settle the account and believe it is being inaccurately reported across all three credit bureaus. 

I previously filed disputes through the credit bureaus, but the accounts were simply marked updated or remained unchanged without providing me proof of the debt or payment history. I believe XXXX XXXX is in violation of the Fair Credit Reporting Act ( FCRA ) by continuing to report these accounts without proper verification.

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing XXXX separate XXXX XXXX credit card accounts that have been reported as charge-offs, despite both being paid or settled. 

XXXX XXXX XXXX account ( opened in XXXX ) was closed in XX/XX/XXXX and shows Account paid in full was a charge-off on XXXX. It was later updated to a {$0.00} balance in XX/XX/XXXX, but the charge-off status remains. This account continues to reflect negatively even after being resolved. 

A second XXXX XXXX account ( opened in XXXX ) appears on XXXX, Equifax, and XXXX  with a history of severe delinquencies ( XXXX to 150 days late ), and was also marked as a charge-off of {$470.00}. I made efforts to settle the account and believe it is being inaccurately reported across all three credit bureaus. 

I previously filed disputes through the credit bureaus, but the accounts were simply marked updated or remained unchanged without providing me proof of the debt or payment history. I believe XXXX  XXXX is in violation of the Fair Credit Reporting Act ( FCRA ) by continuing to report these accounts without proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing two separate XXXX XXXX credit card accounts that have been reported as charge-offs, despite both being paid or settled. 

XXXX XXXX XXXX account ( opened in XXXX ) was closed in XX/XX/XXXX and shows Account paid in full was a charge-off on TransUnion. It was later updated to a {$0.00} balance in XX/XX/XXXX, but the charge-off status remains. This account continues to reflect negatively even after being resolved. 

A second XXXX XXXX account ( opened in XXXX ) appears on XXXX XXXX, and TransUnion with a history of severe delinquencies ( 30 to 150 days late ), and was also marked as a charge-off of {$470.00}. I made efforts to settle the account and believe it is being inaccurately reported across all three credit bureaus. 

I previously filed disputes through the credit bureaus, but the accounts were simply marked updated or remained unchanged without providing me proof of the debt or payment history. I believe XXXX XXXXXXXX is in violation of the Fair Credit Reporting Act ( FCRA ) by continuing to report these accounts without proper verification.

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 2025-06-23 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: GA

Complaint narrative:
i recently pull my credit report some account do not belong to me also some account show i was late. I always pay my account on time. i would like to dispute those inaccurate items from credit report. 
that effect my livelihood, i'm unable to get approve for apartment and financial institution. i would like those items to be investigate to the full extent of the law and remove from my credit A.S.A.P Those are listed belowXXXX XXXX XXXX XXXX Account # XXXX balance : {$230.00} This account do not belong to me XXXX XXXX XXXX  Account # XXXX balance {$150.00} This account do not belong to me XXXX XXXX  Account # XXXX i never late from this account please remove all late payment showing on my report. 

XXXX XXXX XXXX account # XXXX i never late from this account please remove all late payment showing on my report. 

XXXX Account # i never late from this account please remove all late payment showing on my report. 


XXXX XXXX XXXX XX/XX/XXXX i never do busness with this company before, this inquiry need to be remove from my credit. 

XXXX XXXX XX/XX/XXXX i never do busness with this company before, this inquiry need to be remove from my credit. 

XXXX XXXX XXXX XX/XX/XXXX i never do busness with this company before, this inquiry need to be remove from my credit. 

XXXX XXXX XXXX  XX/XX/XXXX i never do busness with this company before, this inquiry need to be remove from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: NC

Complaint narrative:
XXXX XX/XX/XXXX {$6400.00XXXX XXXX XXXX XXXXXX/XX/XXXX {$330.00} XXXX XXXX XX/XX/XXXX {$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 2025-06-23 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 dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX  ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-06-23 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: NC

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 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 Address : XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXate Opened : XX/XX/XXXX, Balance : {$1000.00} INQUIRIES : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Date : 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 2025-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Date : XX/XX/XXXX To : Westlake financial services XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX RE : Cease and Desist Demand for Debt Validation Unauthorized Reporting and Collection To Whom It May Concern : This letter serves as a formal Notice of Dispute, Cease and Desist, and Demand for Full Validation of any and all alleged debts you are attempting to collect or report in my name.

You are currently in violation of the following federal laws : 15 U.S.C. 1692g Failure to provide proper debt validation ; 15 U.S.C. 1681c-2 & 1681a Reporting inaccurate information to credit bureaus ; 5 U.S.C. 552a Privacy Act of 1974, unauthorized use of personal data ; 18 U.S.C. 1028A Aggravated identity theft ; Securities Fraud Engaging in unlawful trading or securitization of debt without consent or contract.

I hereby demand : Immediate cease and desist of all collection and reporting activities ; Full debt validation, including original contract with wet ink signature, proof of lawful chain of assignment, and full itemized accounting ; Immediate removal of all negative entries from all consumer reporting agencies ( XXXX XXXX XXXX XXXX  ).

You are hereby notified that no contract exists between us, and I do not consent to your use, reporting, or collection activities. Any continued activity will be interpreted as willful noncompliance and subject to a legal claim for damages under the above statutes.

Failure to respond within 10 days of receipt will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), Ohio Attorney General, and the initiation of a civil lawsuit in federal court seeking injunctive relief, damages, and sanctions.

You are now on notice. 
Sincerely, XXXX XXXX XXXX All Rights Reserved Without Prejudice UCC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: TN

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 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) 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 6804 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 direct 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( 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 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.

15 U.S. Code 1681i ) : 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 non-monetary relief
Consumer complaint received 2025-06-23 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: MA

Complaint narrative:
This letter serves as a formal follow-up to my initial dispute XXXX regarding inaccurate information being reported on my consumer credit report by XXXX, TransUnion, and XXXX  for XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) * *. I am now invoking my rights under FCRA 611 ( 15 U.S.C. 1681i ), which mandates that consumer reporting agencies reinvestigate disputed information and provide a detailed description of the procedure used to determine the accuracy and completeness of the disputed items. Since your previous response returned the account as verified, I am now requesting the specific method of verification used to reach that conclusion, including the name and contact information of the furnisher, and the original source of the data used to verify the accuracy of the delinquency status reported. If you are unable to provide this information, or if the furnisher can not produce documented evidence bearing my original wet signature authorizing the reporting of such information, then per the FCRA, all contested items in my original dispute must be permanently deleted from the credit report you maintain.

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 2025-06-23 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: NC

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX Account Number XXXX Balance : {$450.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account Number XXXX Balance : {$0.00} Open Date XXXX XXXX, XXXX XXXX XXXX Account Number XXXX Balance : {$1800.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX  Account Number XXXX Balance : {$1100.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number XXXX Balance : {$880.00} Open Date XX/XX/XXXX XXXX XXXX  XXXX Account Number XXXX Balance : {$550.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Balance : {$470.00} Open Date XX/XX/XXXX XXXX XXXX  XXXX Account Number XXXX Balance : {$250.00} Open Date XX/XX/XXXX XXXX & XXXX Account Number XXXX Balance : {$170.00} Open Date XX/XX/XXXX Inquiries XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-24 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: NC

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 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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