vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This complaint concerns two XXXX  tradelines currently reporting on my TransUnion credit report : XXXX XXXX XXXX XXXX XXXX XXXX Both accounts contain false and misleading payment history. I have not made any payments on these loans since XXXX, yet TransUnion is showing an incorrect last payment date of XX/XX/XXXX. Thats false and likely evidence of illegal re-aging. 

XXXX claimed in a previous response that they paused derogatory activity during forbearance, but 90-day lates were added anyway, which violates the CARES Act and FCRA 623 ( a ) ( 1 ) ( A ), ( 2 ), ( 3 ), and 607 ( b ). 

In addition, TransUnion recently updated the last activity to XX/XX/XXXX, even though there has been no new activity, no payments, and no contact with XXXX in over five years.

These two accounts are causing serious harm to my credit and were not reported consistently or accurately. The school involved also committed fraud I never received proper instruction, certification, or the education promised, and a Borrower Defense claim ( # XXXX ) has already been filed.

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 2025-06-19 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: MD

Complaint narrative:
I am formally contesting inaccurate, incomplete, unverifiable, and unlawful information being reported on my credit file. This includes all accounts, inquiries, and personal information listed below. These entries fail to meet Metro 2 data field reporting standards and violate the Fair Credit Reporting Act ( 15 USC 1681 ), specifically : 1681e ( b ) : Failure to assure maximum possible accuracy 1681i : Failure to conduct proper reinvestigation 1681b : Lack of permissible purpose for inquiries 1681n : Willful non-compliance Federal law requires you to maintain verified, fully substantiated, and 100 % accurate records. Reporting data that lacks full factual proof is a direct violation of federal and state consumer protection laws.

I demand that you immediately conduct a full reinvestigation under FCRA 1681i and Metro 2 compliance. You are hereby instructed to furnish me with physical documentation proving : Legal ownership of each account Original application with my signature Full chain of custody of the alleged debts Contractual obligation for each inquiry Permissible purpose authorization for all inquiries Full Metro 2 field-level reporting compliance Failure to supply this documentation within the legally required timeframe will be deemed as your inability to verify, and I demand the permanent deletion of these unverifiable items from my credit report. 

The items being disputed are : Personal Information Disputed : Incorrect Name : XXXX  XXXX Incorrect Name : XXXX XXXX XXXX Incorrect Name : XXXX, XXXXXXXX XXXX  Incorrect DOB : XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Employer : XXXX XXXX Incorrect Employer XXXX XXXX  Collections Disputed : XXXX XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX - XXXX Inquiries Disputed : XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX You are fully aware of your legal obligations under federal law. If you fail to comply, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state Attorney General, and will consider legal action for willful non-compliance and damages under FCRA 1681n. 

Send me your investigation results and updated credit report by mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Im beyond frustrated with the continued presence of false, damaging information on my TransUnion credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make. 

As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part. If TransUnion can not produce direct and unquestionable evidence to support the continued reporting of these entries, then it is obligated by federal law to delete them immediately. This isnt a requestits a demand for compliance. If you continue to ignore my concerns, I will treat this as a willful violation of my rights and take further action to hold you accountable. My creditworthiness is not something I take lightly, and you should not either.

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 2025-06-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I temporally removed a freeze on my experian credit report, according to Experian the freeze has been temporarily removed, but according to my bank Experian hasn't removed the freeze and now they want to force me to pay to unlock my credit report, i have attempted to contact eperian throught the chat line and they continue to tell me that the freeze has been lifted, in an attempt to save money and force the consumer to pay for a service that's free, experian has made it impossible to contact a. live agent,

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 2025-06-19 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: MI

Complaint narrative:
I have inaccurate balances and payment dates on all 3 credit reports and balances reporting still on charge offs when the accounts were paid off by insurance and I didnt receive a 1099C so this accounts shouldnt being reporting a balance.

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 2025-06-19 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: MI

Complaint narrative:
I have inaccurate balances and payment dates on all 3 credit reports and balances reporting still on charge offs when the accounts were paid off by insurance and I didnt receive a 1099C so this accounts shouldnt being reporting a balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: LA

Complaint narrative:
To Whom It May Concern ; The reason for this letter is to dispute unauthorized inquiries on my credit report. 

Made by : { XXXX  XXXX XXXX XXXX XX/XX/year>2024 } { XXXX  XXXX XXXX XXXX/XXXX/2024 - XXXX/XXXX/2024 } { XXXX XXXX XXXX XX/XX/scrub>/2024 - XX/XX/year>2024 } { XXXX XXXX  XX/XX/year>2024 } { XXXX  XX/XX/year>2024 } { XXXX XX/XX/year>2024 } { XXXX XXXX XXXX XX/XX/year>2024 } { XXXX XXXX XXXX XXXX  XX/XX/year>2024 - XX/XX/scrub>/2024 - XX/XX/year>2024 } { XXXX XXXX XXXX/XXXX/2024 } { XXXX XXXX XXXX XX/XX/scrub>/2024 } { XXXX XXXX  XX/XX/scrub>/2024 } Made with : Experian To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above.

For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act.

Assuming you do not possess such credit report inquiry authorization, I request that you remove the unauthorized inquiry from my credit report ( s ). I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my request.

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 2025-06-19 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:
Under FCRA 1681s-2 ( b ), data furnishers are legally required to conduct a reasonable investigation upon notice of a dispute. The information they have furnished is inaccurate and unverifiable, yet they have continued to report it without correction.

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 2025-06-19 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: FL

Complaint narrative:
I am tired of your blatant violations of my rights under federal law. This is my SECOND and FINAL written demand regarding the inaccurate, unverifiable, and ILLEGALLY reported account ( s ) listed below : Account Name : XXXX XXXX Account Number : XXXX 15 USC 1692g ( b ) : Debt Validation Instruction : Provide documentation proving the validity of this debt, including the original creditor 's name and the breakdown of charges or DELETE this account immediately Unauthorized inquiryXXXX XXXX Date of Inquiry : XX/XX/XXXX Delete at once Unauthorized inquiry.XXXX  Date of Inquiry : XX/XX/XXXX Delete at once Unauthorized inquiry.XXXX  Date of Inquiry : XX/XX/XXXX Delete at once Unauthorized inquiry.XXXX Date of Inquiry : XX/XX/XXXX Delete at once 1 of 4 Unauthorized inquiry.XXXX XXXX Date of Inquiry : XX/XX/XXXX Delete at once Unauthorized inquiry.XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Delete at once Unauthorized inquiry.XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Delete at once Unauthorized inquiry.XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Delete at once Unauthorized inquiry.XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX Delete at once Unauthorized inquiry.XXXX  Date of Inquiry : XX/XX/XXXX Delete at once

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 2025-06-19 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 submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by TransUnion Consumer Solutions. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 
Details of the Complaint : 5. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from 1 ) - XXXX # XXXX, that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy.

6. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like e-OSCAR, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report.

7. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. TransUnion Consumer Solutions. has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer.

8. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.

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 2025-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im beyond frustrated with the continued presence of false, damaging information on my TransUnion credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make.

As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part. If TransUnion can not produce direct and unquestionable evidence to support the continued reporting of these entries, then it is obligated by federal law to delete them immediately. This isnt a requestits a demand for compliance. If you continue to ignore my concerns, I will treat this as a willful violation of my rights and take further action to hold you accountable. My creditworthiness is not something I take lightly, and you should not either.

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX  XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX  9. XXXX XXXX XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX XXXX 12. 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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-19 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: NJ

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  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 NJ XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$620.00XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$810.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$7700.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$28.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
My identity was stolen, someone else made a purchase in a jewelry in New York under my name and they use my information to get a personal line of credit. The line of credit is for more than XXXX. My identity was stolen and now Acima which is the credit provider is charging me that amount of money for a piece of jewelry. Now Acima is requesting a police report but the XXXX wont help me and wont file a police report without me providing an affidavit from Acima. Acima is not helping me and now Im despair because they wont help me and the police wont help me without the documentation required ( that affidavit ) Its been more than 15 days that this happened, I have been to the police precinct 3 times and I have been calling Acima everyday for help and they refuse to help me.

Company response to consumer: Closed with explanation