vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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: GA

Complaint narrative:
I am filing this complaint to report a clear violation of the Fair Credit Reporting Act ( FCRA ) by TransUnion, pursuant to 15 U.S.C. XXXX, XXXX, and XXXX ( a ) ( XXXX ). 

I have been the victim of identity theft. I am enclosing my official Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC Report Number : XXXX, which constitutes legally sufficient proof under federal law. 

Under 15 U.S.C. XXXX ( b ), a credit reporting agency must block all disputed information identified in the Identity Theft Report within XXXX ( XXXX ) business days of receipt. The law does not require any further investigation prior to blocking. 

Furthermore, pursuant to 15 U.S.C. XXXX ( a ) ( XXXX ), once the furnisher of the information is notified of the block, they are prohibited from continuing to report the disputed information unless they present original, signed, and verifiable documentary evidence that conclusively proves the account was authorized by me to be reported. 

In accordance with the FCRA, it is not sufficient to simply conduct an internal verification or consult their own records ; the law requires authentic physical or digital evidence such as the original signed contract by the consumer that fully supports the accuracy and legitimacy of the information. 

The following account continues to appear on my credit file despite my multiple disputes and the fact that other credit bureaus have already deleted it for failure to verify : XXXX / XXXX I have never authorized the reporting of this account. There is no signed contract or consent from me that justifies its inclusion in my credit report, which constitutes a violation of 15 U.S.C. XXXXb ( permissible purposes ). 

The continued reporting of this account constitutes the unauthorized disclosure of my non-public personal information and a direct violation of my rights under the FCRA. 

I have contacted TransUnion on multiple occasions and have provided all necessary documentation ; however, I have not been given a clear or definitive resolution. 

This ongoing violation is causing me serious harm, including preventing me from purchasing a new home for my children and limiting my access to essential financial tools. 

Additionally, I have formally requested copies of any contracts or documentation from the furnisher of this account. More than XXXX days have passed without receiving any response, which further confirms there is no verifiable evidence to support this account.

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 2025-08-07 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: NY

Complaint narrative:
XXXX XXXX XXXX has inaccurately reported late payments on my account. Furthermore, they have failed to provide proper verification of these late payments as required under federal law. 
Under the Fair Credit Reporting Act ( FCRA ) : FCRA 609 ( a ) ( 1 ) ( 15 U.S.C. 1681g ( a ) ( 1 ) ) I have the legal right to request any and all documentation that was used to verify this late payment. If you can not produce a signed agreement and original billing records, this late payment must be removed immediately per federal law.

FCRA 611 ( 15 U.S.C. 1681i ) You are legally required to reinvestigate and delete inaccurate, unverifiable, or outdated information from my report.

FCRA 623 ( b ) ( 15 U.S.C. 1681s-2 ( b ) ) The creditor must conduct a reasonable investigation upon dispute. Failure to verify with proper documentation within 30 days means this late payment must be deleted.

Despite my attempts to resolve this issue, the inaccurate information remains. This violation of the FCRA has caused significant harm to my credit standing and must be rectified immediately.

Please find attached a copy of my credit report highlighting the inaccuracies.

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 2025-08-07 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: WA

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 2025-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
On or around XX/XX/XXXX, I obtained a copy of my Early Warning Services ( EWS ) consumer report ( Consumer ID : XXXX ). Upon review, I discovered a negative item reported by XXXX ( Routing # : XXXX, Account # : XXXX ) with an incident date of XX/XX/XXXX, labeled as Checking Account Fraud and marked Unpaid. 

I was never informed by XXXX or Early Warning Services of any alleged fraudulent activity, nor was I provided with documentation or evidence supporting this claim. At no point did I authorize, participate in, or have knowledge of any fraudulent transactions. 

This information is inaccurate and is now preventing me from opening a checking account at multiple financial institutions. I have been denied basic banking services due to this disputed report, which has caused financial and personal hardship. 

I believe this entry is the result of either : Identity theft, XXXX or reporting errors, or Misclassification of legitimate activity as fraud. 

I am requesting a full investigation, removal of the inaccurate entry, and restoration of my ability to access standard banking services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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:
Hi there, I need your assistance with some accounts that have shown up on my credit report. I didnt create or approve them, and I wasnt notified when they were added. In line with USC 1681g, Im requesting that they be removed within the next 15 days. Ive included documents that explain my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: GA

Complaint narrative:
I submitted all pertinent information to Experian, Equifax and Transunion for them to remove all unauthorized inquiries reflecting on my consumer report. They refused to properly investigate and did not respond within the time allotted. I demand that all information on attached reports be removed from my consumer report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted all pertinent information to Experian, Equifax and Transunion for them to remove all unauthorized inquiries reflecting on my consumer report. They refused to properly investigate and did not respond within the time allotted. I demand that all information on attached reports be removed from my consumer report 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
Consumer complaint received 2025-08-07 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: NY

Complaint narrative:
I recently reviewed my credit report and discovered multiple accounts that I do not recognize and never authorized, which are the result of identity theft. I have already filed an Identity Theft Report with the Federal Trade Commission ( FTC ) and attached the documentation as evidence. These fraudulent accounts include : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Reporting on TransUnion and Experian with an alleged balance of {$1500.00}. 

XXXX XXXX XXXX TransUnion XXXX Experian, and Equifax with XXXX alleged balance of {$3700.00}. 

XXXX XXXX XXXX XXXX XXXX Experian and Equifax with XXXX alleged balance of {$5200.00}. 

I have never applied for, opened, or authorized any of these accounts. The information is inaccurate and is damaging my credit profile. Under the Fair Credit Reporting Act ( FCRA ) Sections 602A, 609, and 611, I am requesting the immediate deletion of these accounts from my credit reports, as they are unverifiable and the result of identity theft.

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 2025-08-07 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: NY

Complaint narrative:
I recently reviewed my credit report and discovered multiple accounts that I do not recognize and never authorized, which are the result of identity theft. I have already filed an Identity Theft Report with the Federal Trade Commission ( FTC ) and attached the documentation as evidence. These fraudulent accounts include : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Reporting on TransUnion and Experian with an alleged balance of {$1500.00}. 

XXXX XXXX XXXX TransUnion XXXX Experian, and Equifax with XXXX alleged balance of {$3700.00}. 

XXXX XXXX XXXX XXXX XXXX Experian and Equifax with XXXX alleged balance of {$5200.00}. 

I have never applied for, opened, or authorized any of these accounts. The information is inaccurate and is damaging my credit profile. Under the Fair Credit Reporting Act ( FCRA ) Sections 602A, 609, and 611, I am requesting the immediate deletion of these accounts from my credit reports, as they are unverifiable and the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: YSA ARM LLC DBA Oxygen XL
State: UT

Complaint narrative:
I received a piece of mail on XX/XX/XXXX. Stating that I had a collection owed to XXXX from Oxygen XL. It only had XXXX out or XXXX pages in the envelope. And said that I had until XX/XX/XXXX. When I only received it on the XXXX. Once I was made aware of this I had tue debt paid on XX/XX/XXXX. 

This now has hit my credit report. I was not provided 30 days notice. I did not receive any communication from Oxygen XL for the debt. When I received the letter and saw I didnt have both pages, I initially thought it was a scam. 

When I called Oxygen XL and asked for clarification or to have the report removed. They told me that it was paid, and they will not remove it and to do what you want to do, you know best. I was disgusted by the response I received. 

I am about to close on my home. I have never missed a payment in my life. And they have now gone after my credit. 

I have also disputed this with XXXX. I have a XXXX XXXX proving the lack of communication with Oxygen XL. Including the letter with a missing page, when I got the letter, and when it was paid. 

I want this removed from my report due to their poor business practices and lack of empathy or information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint and Dispute of Inaccurate XXXX Late Payment Reporting Dear CFPB Representative, I am writing to file a formal complaint and request immediate investigation regarding the reporting of an inaccurate XXXX late payment on my credit file, which is negatively impacting my creditworthiness. The account in question is : Creditor Name XXXX XXXX XXXX XXXXXXXX Account XXXX : Ending in XXXX Reported Date of Late Payment : XX/XX/XXXX Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information on my credit report. I have already contacted the furnisher and the credit bureaus to resolve this issue and have either received an inadequate response or no resolution. Reason for Dispute : I was never 30 days late on this account, as I had closed the account and reported fraudulent activity. The furnisher has failed to provide verification of the delinquency after my written request. I had closed this account for fraudulent activity, and the creditor failed to move over a minor balance Here are the relevant Credit Bureau Disputes for this account in question XXXX XXXX XXXX XXXX XXXXXXXX I respectfully request that the CFPB investigate this matter and require the furnisher to provide documented verification of the late payment. If the furnisher is unable to substantiate the claim, I request that the late payment be permanently removed from all credit reporting agencies. Please notify me in writing of any actions taken, and do not hesitate to contact me for any additional information. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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 have no knowledge of these accounts and believe they were opened using stolen personal information. Please remove them after investigating. Ive included evidence.

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 2025-08-07 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: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NY

Complaint narrative:
I recently reviewed my credit report and discovered multiple accounts that I do not recognize and never authorized, which are the result of identity theft. I have already filed an Identity Theft Report with the Federal Trade Commission ( FTC ) and attached the documentation as evidence. These fraudulent accounts include : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Reporting on TransUnion and Experian with an alleged balance of {$1500.00}. 

XXXX XXXX XXXX TransUnion XXXX Experian, and Equifax with XXXX alleged balance of {$3700.00}. 

XXXX XXXX XXXX XXXX XXXX Experian and Equifax with XXXX alleged balance of {$5200.00}. 

I have never applied for, opened, or authorized any of these accounts. The information is inaccurate and is damaging my credit profile. Under the Fair Credit Reporting Act ( FCRA ) Sections 602A, 609, and 611, I am requesting the immediate deletion of these accounts from my credit reports, as they are unverifiable and the result of identity theft.

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 2025-08-08 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: TX

Complaint narrative:
I have not worked with or attempted to work with these companies. Please remove these fraudulent inquiries. They are a result of the Experian data breach.

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 2025-08-07 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:
I am filing this complaint against TransUnion for willful and blatant violations of the Fair Credit Reporting Act ( FCRA ) related to fraudulent accounts appearing on my credit report as a direct result of identity theft. I personally submitted a dispute along with all required supporting documentation, including my government-issued ID, proof of address, FTC identity XXXX report, and a signed statement under penalty of perjury confirming the accuracy of my claim. The fraudulent accounts in question include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts were confirmed to be fraudulent, yet the bureau has failed to remove them from my credit file as required by law. 

Under FCRA 605B, the bureau is legally obligated to block all fraudulent information within four business days of receiving proof of identity theft. Under FCRA 611 ( a ), they must conduct a proper investigation and respond within 30 days, and under FCRA 609 ( a ) ( 1 ) ( A ), they must provide full disclosure of all information used to verify these disputed accounts as well as the results of any prior investigations. Despite these clear legal requirements, the bureau failed to block the fraudulent information, failed to conduct a proper reinvestigation, failed to provide the requested verification documentation, and willfully disregarded my rights under the law.

These failures have caused substantial harm, including damage to my creditworthiness, emotional distress, and the potential denial of credit opportunities. The bureaus continued reporting of these fraudulent accounts is not only unlawful but also a reckless disregard for federal consumer protection laws. This is a legitimate consumer complaint backed by substantial evidence, and urgent intervention is necessary to ensure compliance and prevent further harm.

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 2025-08-08 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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