vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 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:
Collection accounts were reported on all three of my credit report incorrectly. The original service providers have notified the collection companies the account is closed and should not be collected and it is still showing up on my credit report. 


Account number XXXX XXXX XXXX XXXX {$1600.00} Account number XXXX XXXX XXXX XXXX {$1300.00} Account number XXXX XXXX XXXX XXXX {$630.00}

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 explanation
Consumer complaint received 2025-02-26 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: TX

Complaint narrative:
I am writing to formally dispute an unauthorized credit inquiry listed on my credit report and to demand its immediate removal. After reviewing my credit report, I discovered an inquiry from [ Company Name ] that I never authorized or gave permission for. This inquiry was made without my consent, and I consider it to be both fraudulent and a violation of my rights.

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 2025-02-26 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: GA

Complaint narrative:
I am filing this formal complaint against Equifax for knowingly reporting false and inaccurate information on my credit report and failing to conduct a proper investigation under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ).

Violations & Legal Concerns : 1.Incorrect Late Payment Reporting Violation of 15 U.S.C. 1681i A late payment has been falsely reported on my account despite my verifiable records proving on-time payments.

I disputed this error, but the credit bureaus failed to conduct a reasonable investigation or provide legally required dispute results.

Legal Violation : Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies must investigate disputes and correct inaccuracies within 30 days. Their failure to do so is a clear violation of the FCRA, exposing them to statutory damages of up to {$1000.00} per violation, plus punitive damages and legal fees if pursued in federal court.

2.Fraudulent Charge-Off Date & Balance Reporting Violation of 15 U.S.C. 1681s-2 An account that was charged off in 2020 is now being fraudulently updated in 2025 as a fresh charge-off with an active balance, which is factually incorrect and a blatant misrepresentation of my credit history.

This misreporting is materially misleading, negatively impacting my creditworthiness and violating my rights under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), which prohibits furnishers from reporting false or outdated information.

Legal Violation : The credit bureaus are failing to uphold their duty to report accurate information under 15 U.S.C. 1681e ( b ). The continued presence of this erroneous charge-off could result in a lawsuit seeking actual damages, statutory damages, and punitive damages under 15 U.S.C. 1681n. 

Accounts listed below ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Subject : Failure to Notify of Reinsertion Request for Immediate Removal File Number : XXXX Disputed Account : XXXX XXXX ( Account No. XXXX ) To Whom It May Concern, I am writing to formally dispute the reinsertion of an account on my TransUnion credit report that was previously deleted. The account in question is XXXX XXXX ( Account XXXX. XXXX ), which was removed from my credit report but has now been reinserted without any written notification, as required by federal law. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), a consumer reporting agency is legally obligated to provide written notice within five business days of reinserting a previously deleted item. Additionally, for reinsertion to be valid, the furnisher of the information must provide certification of accuracy. I never received such notification from TransUnion, which means this reinsertion was done in direct violation of the FCRA.

Legal Grounds for Removal Given that TransUnion failed to comply with the reinsertion requirements under the FCRA, the only legally compliant action is to immediately remove the reinserted account from my credit report. If TransUnion can not provide documented proof that it sent me a written reinsertion notice within five business days, then you must delete the account immediately.

Next Steps & Potential Escalation If this account is not removed within five business days of receipt of this letter, I will be left with no choice but to : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office regarding TransUnions noncompliance with federal law.

Pursue legal action for willful noncompliance under 15 U.S.C. 1681n, which entitles me to statutory damages, legal fees, and other remedies. 
I expect TransUnion to act in good faith and correct this issue immediately. Please provide written confirmation of the accounts deletion as soon as possible. I also request a corrected copy of my credit report reflecting the removal. 

Sincerely, 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 2025-02-26 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: OH

Complaint narrative:
I have not given written permission to put anything on my consumer reports.

15USC 1681b PERMISSIBLE PURPOSE OF CONSUMER REPORTS ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO other.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. I request verification, Validation, and proof that the alleged debt and that the child is mine! Which would be my signature on the childs birth certificate and or a positive DNA result. 


Please reply via EMAIL ONLY

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2025-02-26 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: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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 2025-02-26 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: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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 2025-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: January Technologies, Inc
State: MD

Complaint narrative:
January Technologies persistently sends daily emails regarding a debt that I do not owe. Furthermore, these emails are incessant, and I request that this information be removed from my credit report and that they cease all communication with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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 inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

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 2025-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
I kept getting phone calls almost every single day and I even told them to stop calling. They have still tried to call me even after I told them to stop calling me and leaving voicemails.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have tried multiple times to access my Equifax credit report through their website and continually receive and error message and told to contact their customer service department. I did that, and the tech I spent 30 minutes on the phone with could not correct the error or figure out the problem. He said he would escalate the issue to a higher tech agent and I would receive and email when the problem is corrected. It has been weeks with no response. I still can not access and view my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have multiple addresses with multiple different names on my credit report that are not mine. I have my name being reported as XXXX XXXX XXXX and XXXX XXXX across all 3 credit bureaus. My actual name is XXXX XXXX. My current address is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Texas XXXX Any other address on my Oh my credit profile I would like to be removed because this is the only Ive just done. I have lived at

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 2025-02-26 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:
I have multiple addresses with multiple different names on my credit report that are not mine. I have my name being reported as XXXX XXXX XXXX and XXXX XXXX across all 3 credit bureaus. My actual name is XXXX XXXX. My current address is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Texas XXXX Any other address on my Oh my credit profile I would like to be removed because this is the only Ive just done. I have lived at

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 2025-02-26 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-26 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I requested a hardship through the XXXX XXXX portal online. It gave me a due date of XX/XX/XXXX. I called on XX/XX/XXXX asking why my account didn't reflect my hardship request. They apologized and asked what happened that I was off from work and I explained my brother just passed away, they said they understood and our condolences. Your account from XX/XX/XXXX to XX/XX/XXXX will be adjusted we apologize for the error and will defer your payments until XX/XX/XXXX at {$260.00}. At that point, I was not XXXX  days late and thought everything was XXXX XX/XX/XXXX I got an alert that I had a XXXX  day late on XXXX and XXXX for XX/XX/XXXX and Equifax was showing a XXXX  day late for the same time period. I called in and they said it was their fault and would correct it. I disputed through the XXXX credit bureaus and it hasn't been resolved or updated. The notes say one thing when I contact XXXX XXXX about it but the collections department that handles the correspondence with XXXX credit bureaus hasn't corrected this issue at all. All XXXX bureaus said to me when I called in after the disputes is that XXXX XXXX has to correct on their end and let the XXXX bureaus know it's been corrected versus it saying verified as true when it's completely not true. This has caused my credit scores to plummet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I requested a hardship through the XXXX XXXX portal online. It gave me a due date of XX/XX/XXXX. I called on XX/XX/XXXX asking why my account didn't reflect my hardship request. They apologized and asked what happened that I was off from work and I explained my brother just passed away, they said they understood and our condolences. Your account from XX/XX/XXXX to XX/XX/XXXX will be adjusted we apologize for the error and will defer your payments until XX/XX/XXXX at {$260.00}. At that point, I was not XXXX  days late and thought everything was XXXX XX/XX/XXXX I got an alert that I had a XXXX  day late on Experian and XXXX for XX/XX/XXXX and XXXX was showing a XXXX day late for the same time period. I called in and they said it was their fault and would correct it. I disputed through the XXXX credit bureaus and it hasn't been resolved or updated. The notes say one thing when I contact XXXX XXXX about it but the collections department that handles the correspondence with XXXX credit bureaus hasn't corrected this issue at all. All XXXX bureaus said to me when I called in after the disputes is that XXXX XXXX has to correct on their end and let the XXXX bureaus know it's been corrected versus it saying verified as true when it's completely not true. This has caused my credit scores to plummet.

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