vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 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: NJ

Complaint narrative:
I am formally disputing the inaccurate reporting of accounts, incorrect items on my credit report, and your failure to comply with the Fair Credit Reporting Act ( FCRA ). These errors have negatively impacted my financial standing and violate my rights under federal law. 

Under 15 U.S.C. 1681o, any entity that negligently fails to comply with the FCRA is liable for actual damages sustained by the consumer, as well as attorney fees and court costs if legal action becomes necessary. Specifically, I am disputing the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX & t- XXXX XXXX - XXXX I hereby demand that you : XXXX. Conduct a thorough investigation and provide a written response within 30 days, as required by the FCRA. 
XXXX. Immediately remove or correct the inaccurate information in my records. 
XXXX. Provide documentation verifying the accuracy of the reported information if you claim it is valid. 
XXXX. Cease any further reporting of the disputed information until a proper investigation is completed. 

Failure to comply with this request will result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). I will also explore legal remedies to recover damages as permitted under 15 U.S.C. 1681o.

I expect a response within the legally mandated timeframe. Please confirm receipt of this letter and provide a resolution in writing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: VA

Complaint narrative:
I am writing to formally dispute an account that has been incorrectly reported on my credit file. The account in question is as follows : Creditor : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/year> Account Balance : {$25000.00} his account is fraudulent and was opened without my consent, knowledge, or authorization. As a victim of identity theft, I am requesting that this account be immediately removed from my credit report. 

I have also incldued identity theft report that was filed with the FEDERAL TRADE COMMISSION

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 2025-03-31 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-31 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-31 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: OK

Complaint narrative:
I received an identity theft/SSN fraud from the IRS, I tried to contact the three credit bureaus and could not access accounts. Equifax hung up while trying to verify identity and I can not get them to answer the phone anymore, and the number on the Experian website goes to the automated helper and refuses to send me to an actual agent to fix anything.

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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.

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 2025-03-31 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: SC

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2025-03-31 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: GA

Complaint narrative:
XXXX XXXX, XXXX, This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX AIRPORT - Incorrect Personal ELIXER - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX - XXXX Personal XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-31 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: DE

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : 1. Incorrect Late Payment Reporting Creditor Name : DPT EDXXXX Account Number : XXXX Creditor Name : DOE XXXX Account Number : XXXX Creditor Name : DPT EDXXXX Account Number : XXXX Creditor Name : DPT EDXXXX Account Number : XXXX Issue : The late payment reported on my credit file is inaccurate and unfairly damaging my credit profile. The following issues exist with this reporting : I made my payment on time, and the reported late payment is incorrect. 

The creditor failed to properly notify me of any late payment before reporting it to the credit bureaus, violating the Fair Credit Reporting Act ( FCRA ).

I was impacted by unforeseen circumstances ( such as financial hardship, a billing error, or a processing delay ) beyond my control, and I attempted to resolve this issue with the creditor before it was reported.

The reported late payment is older than seven years, meaning it should no longer appear on my credit report per FCRA guidelines.

There are inconsistencies in the reporting across different credit bureaus, suggesting a data entry or system error.

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.


15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX  years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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.

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 2025-03-31 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.


15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX  years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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.

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 2025-03-31 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: VA

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

Company 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 2025-03-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On Monday XX/XX/2025, called Truist support line. Wanted to wire money to my employer, XXXX. Was told it was done. Notified my employer. 
Tuesday evening, checked and saw no money had moved. 
Called bank support on Wednesday XX/XX/XXXX. 
They told me no money wired but they had cut a check and sent to XXXX. Wouldn't arrive till Monday XX/XX/XXXX. As I needed that money to get to XXXX before Friday deadline, I asked for wire not a mailed check. They said I had to wire money in person at bank. So I drove to bank and wired the money. I also put a stop pay on the check to prevent double withdrawal. Was assured by in-person bank and later support mgr called to also confirm stop pay. 
See that the wired money was withdrawn from account that day. 
On Tuesday XX/XX/XXXX, I see that another withdrawal for same amount occurred. Called support and they confirmed it was the cashed check and they didn't know why since they confirmed the stop pay was showing. They then said I'd have to file a dispute. Which I did. And they subsequently rejected, saying I would have to work with my employer. They accept no responsibility when they incorrectly cashed a check?

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 monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Recovery Management Solutions LLC
State: CT

Complaint narrative:
Subject : Formal Complaint Against XXXX XXXX for Fair Debt Collection Practices Act ( FDCPA ) Violation Date : XX/XX/XXXX, XXXX : XXXX XXXX  To Whom It May Concern, I am submitting this formal complaint regarding a recent interaction with XXXX XXXX. On the stated date and time, I was contacted by an employee of XXXX XXXX, who also contacted members of my family despite my explicit instruction for them to cease such contact. This action is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), which restricts third-party communications regarding alleged debts. 

During my conversation with the employee, I informed them that contacting my family was inappropriate and requested that they stop immediately. The employee responded, stating, " They are public records, sir, I'm not doing anything wrong. '' I then reiterated that under the FDCPA, they were not allowed to continue contacting third parties regarding my alleged debt. 

Furthermore, I requested verification of the debt, as I have not received any written correspondence regarding this matter. The employee confirmed that a verification notice would be sent via mail. However, they proceeded to claim that they would report my response to their client as a " refusal to pay. '' I clarified again that I was not refusing to pay but simply requiring written verification of the debt before acknowledging or addressing it, in accordance with my rights under the FDCPA. 

This interaction raises serious concerns regarding XXXXXXXX XXXX  compliance with federal debt collection laws. The following issues need to be addressed : Unlawful third-party contact Contacting my family members despite my explicit instruction to cease. 

Misrepresentation of consumer rights Stating that requesting written verification constitutes a refusal to pay. 

Failure to provide initial written notice No prior written communication was received before the call.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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:
Subject : Urgent Dispute Unlawful Re-Insertion of Fraudulent Collection Account To the Consumer Financial Protection Bureau, I am filing a formal dispute against TransUnion for unlawfully re-inserting a fraudulent collection account on my credit report. The collection account in question is : XXXX XXXX XXXX XXXX XXXX {$8000.00} This account was previously removed from my credit report last week after being identified as fraudulent. However, upon reviewing my TransUnion credit report today, I discovered that it has been re-inserted without proper notification or validation. 
This fraudulent account stems from identity theft in which someone used my personal information to fraudulently obtain an apartment in XXXX XXXX XXXX. When I personally visited the property, the management confirmed that the individual who leased the unit did not match my identity, further proving that I was a victim of fraud. 
TransUnion 's re-insertion of this collection account without proper verification is a direct violation of consumer protection laws, including : FCRA Re-Insertion Rules Failure to provide me with proper notice and verification before re-inserting the account Regulation F Unfair and deceptive collection practices 12 CFR 1026.13 Unauthorized billing dispute protections 15 U.S.C. 1666B Prohibition against certain reporting practices 31 U.S.C. 5118 Consumer protection against financial harm 18 U.S.C. 1028A Identity theft and fraudulent use of personal information I demand an immediate permanent deletion of this fraudulent collection account from my TransUnion credit report. Additionally, I request a formal written response confirming that this account has been removed and will not be re-inserted again. 

I expect full compliance with federal law regarding this dispute and look forward to a prompt resolution. 

Sincerely, 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 non-monetary relief