vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the XXXX  this situation has put me under.

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 2025-06-18 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: IL

Complaint narrative:
HELLO IM REACHING OUT UPON REVIEWING MY CONSUMER REPORTS, I DISCOVERED SOME INSTANCES OF LATE PAYMENTS ON AN ACCOUNT FOR WHICH I HAVE ALWAYS MAINTAINED TIMELY PAYMENT WHICH ALSO THIS ACCOUNT IS ALREADY SHOULD BE CLOSED THE CREDIT AGENCY ALSO AGREED TO CLOSED THIS ACCOUNT OUT. CONSUMER REPORTING AGENCIES PLAY A CRUCIAL ROLE IN ACCURACY REPORTING CONSUMER INFORMATION ITS IMPORTANT THAT THIS INFORMATION BE REPORTED ACCURACY. IVE NEVER MISSED A PAYMENT ON THE FOLLOWING ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX I REQUEST A INVESTIGATE INTO THESE DISCREPANCIES AND URGE TO PROVIDE ALL EVIDENCE AND STATEMENTS, DEMONSTRATING THE LATENESS OF PAYMENTS IF YOU CAN NOT PROVIDE ANY PROOF, I DEMAND THESE PAYMENTS SHOULD BE UPDATED TO REFLECT A TRUE STATUS AS ON-TIME AS I CONSISTENTLY MADE PAYMENTS WITH OUT ANY DELAY.

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 2025-06-18 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : XXXX Email : XXXX Date : [ XX/XX/XXXX ] TO : Experian XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Identity Theft Dispute Formal Request for Deletion and Damages ( FTC Report # XXXX ) To Whom It May Concern : I am writing to formally dispute the inaccurate and fraudulent information that has been reported on my credit file as a result of identity theft. As documented in my attached FTC Identity Theft Report ( # XXXX ), I am a verified victim, and my personally identifiable information was compromisedlikely due to the Equifax, Experian, TransUnion, and XXXX XXXX breaches. 

Under 15 U.S.C. 1681c-2 ( FCRA 605B ), I am invoking my right to block and demand deletion of all items on my credit report that resulted from this identity theft. Additionally, under 15 U.S.C. 1681s-2, furnishers of information are required to report accurate data and remove information they know to be incorrect or fraudulent.

I also cite 15 U.S.C. 1692c ( c ) and 1692e, which prohibit continued collection or misrepresentation of debts after notification of identity theft. Furthermore, I assert my rights under UCC 1-308 ( without prejudice ) to reserve all legal rights and remedies in this matter. 

The following fraudulent accounts must be permanently deleted from all XXXX of my credit reports : XXXX. XXXX XXXX XXXX Account opened : XX/XX/XXXX Balance : {$1700.00} XXXX. XXXX / XXXX XXXX XXXX XXXX Account opened : XX/XX/XXXX Balance : {$510.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account opened : XX/XX/XXXX Balance : {$18000.00} XXXX. XXXX XXXX Account opened : XX/XX/XXXX Balance : {$380.00} These accounts are fraudulent, opened without my knowledge, consent, or authorization. Continued reporting of these items causes me financial harm, emotional distress, and damages my creditworthiness. 

I demand that you : Immediately remove all referenced fraudulent accounts from my credit file under FCRA 605B.

Notify all furnishers and debt collectors of the identity theft report and block the information. 
Cease and desist all attempts to collect on these debts as required by 15 U.S.C. 1692c ( c ).

Provide me written confirmation of the deletions within 30 days, per 15 U.S.C. 1681i ( a ).

Note that any failure to comply may result in a formal complaint to the CFPB, FTC, and potential civil action seeking monetary damages under 15 U.S.C. 1681n and 1681o.

All attached evidence, including the FTC Identity Theft Report, is provided in good faith and under penalty of perjury. 

Sincerely, XXXX XXXX UCC-1-308 Without Prejudice

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 2025-06-18 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: KY

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

FRAUDULENT ACCOUNTS : 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 2025-06-18 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: CA

Complaint narrative:
This letter serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested the account listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with XXXX compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions. 

Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed account. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law. 

Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights. 
You have XXXX  days from the date of this letter to provide the following : 1.Actual verification of the disputed account, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher. 
XXXXA detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information. 
XXXXThe names, contact information, and job titles of the individuals who handled my dispute. 
XXXX statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ). 

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs. 
This account do not belong to me, as they are fraudulent. The banks have agreed to remove this account from my records. Im confused why you still feel theyre reporting accurately. Please see this account is fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: CT

Complaint narrative:
Social Security number and driver license and phone number was used and on dark web I explained to the individual company that my information was used in a data breach. I have several account with several amount and dated back on 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 2025-06-18 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, XXXX XXXX, am filing this formal complaint against Equifax and XXXX XXXX XXXX regarding the following account : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Nature of Complaint : Equifax is reporting a collection account furnished by XXXX XXXX XXXX. However, XXXX XXXX XXXX has already confirmed in a prior response that they can not verify or validate this alleged debt. Despite this, Equifax continues to report this information on my consumer report. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and reflects a failure by both parties to maintain the accuracy and integrity of the information reported. If the data furnisher can not verify the account, then Equifax has no legal basis to include it in my credit file. 

Legal Violations : This conduct violates the following sections of federal law : 15 U.S. Code 1681e ( b ) Duty to follow reasonable procedures to assure maximum possible accuracy 15 U.S. Code 1681i ( a ) Requires a proper reinvestigation if information is disputed 15 U.S. Code 1692g Debt collector obligations to validate a debt when requested

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: IN

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent account ( XXXX ) on my report. Please remove this account ( XXXX ) as it is affecting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: AR

Complaint narrative:
I have filed XXXX disputes with Experian. I noticed a collection account that does not belong to me on my credit report in XX/XX/XXXX, as well as an address where I have never lived being added to my account as a result. I filed a dispute that same day. The collections was for a property rental in XXXX, AZ. It was also a joint rental with a person named XXXX XXXX. I explained that I have never lived in XXXX, AZ. And I am not married nor do I have any joint accounts. I have lived in AR since XXXX of XXXX. There is no way possible I could have lived in AZ over the past year while living in my home in AR, which I work from every single day. I have owned a home with a mortgage in AR since XX/XX/XXXX. I was married to XXXX XXXX XXXX, but have been divorced since XX/XX/XXXX. In addition, an address was added to my account They closed the dispute on XX/XX/XXXX. I re-filed the dispute then contacted XXXX XXXX XXXX by telephone on XX/XX/XXXX. I gave the rep my birthdate, phone number, current address and social security number, none of which matched the person that they had in their system owing the debt. She said it would be reported to their billing department, who would report the information to both Experian and XXXX, where this has been reported, when they were contacted in regards to the dispute and that the information should be removed. Also, their reporting this collection to the credit bureaus was in violation of the Fair Debt Collection Practices Act, since I was never notified of the debt in the first place. I just received another notification from Experian that the reinvestigation of the most current dispute is complete and that the collection will remain on my report. I want this incorrect information immediately removed from my report as it has become an obstacle for me financially. I have gone through the correct channels and they still refuse to remove the information even with proof that the debt does not belong to me. I would appreciate any assistance you can provide with getting this done as soon as possible. I have attached documents showing that I have lived in AR at least since XXXX as well as never having been married to an 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 2025-06-18 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: NM

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

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 2025-06-18 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: CA

Complaint narrative:
I am writing to file an official dispute regarding inaccurate and potentially unlawful reporting of closed accounts that appear on my credit report. These accounts are having a damaging effect on my creditworthiness and are not being reported in compliance with federal law.

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 2025-06-18 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: CA

Complaint narrative:
I am writing to file an official dispute regarding inaccurate and potentially unlawful reporting of closed accounts that appear on my credit report. These accounts are having a damaging effect on my creditworthiness and are not being reported in compliance with federal law.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I, XXXX XXXX, am filing this formal complaint against XXXX  and Caine & Weiner Company regarding the following account : Account Name : CAINE & WEINER COMPA Account Number ( Partial ) : XXXX Nature of Complaint : XXXX  is reporting a collection account furnished by Caine & Weiner Company. However, Caine & Weiner has already confirmed in a prior response that they can not verify or validate this alleged debt. Despite this, XXXX  continues to report this information on my consumer report. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and reflects a failure by both parties to maintain the accuracy and integrity of the information reported. If the data furnisher can not verify the account, then XXXX  has no legal basis to include it in my credit file. 
Legal Violations : This conduct violates the following sections of federal law : 15 U.S. Code 1681e ( b ) Duty to follow reasonable procedures to assure maximum possible accuracy 15 U.S. Code 1681i ( a ) Requires a proper reinvestigation if information is disputed 15 U.S. Code 1692g Debt collector obligations to validate a debt when requested

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I, XXXX XXXX, am filing this formal complaint against Equifax and XXXX XXXX XXXX XXXX regarding the following account : Account Name : XXXX XXXX XXXX XXXX Account Number ( Partial ) : XXXX Nature of Complaint : Equifax is reporting a collection account furnished by XXXX XXXX XXXX XXXX. However, XXXX XXXX XXXX has already confirmed in a prior response that they can not verify or validate this alleged debt. Despite this, Equifax continues to report this information on my consumer report. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and reflects a failure by both parties to maintain the accuracy and integrity of the information reported. If the data furnisher can not verify the account, then Equifax has no legal basis to include it in my credit file. 

Legal Violations : This conduct violates the following sections of federal law : 15 U.S. Code 1681e ( b ) Duty to follow reasonable procedures to assure maximum possible accuracy 15 U.S. Code 1681i ( a ) Requires a proper reinvestigation if information is disputed 15 U.S. Code 1692g Debt collector obligations to validate a debt when requested

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year> TransUnion XXXX XXXX XX/XX/year> TransUnion

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 2025-06-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have had a Capital one quicksilver card for several months. I had report several months earlier that I had fraud relating to an account opening with another financial institution. But apparently one of credit bureau send a notice to close my credit card with no notice. This is not only thing either they has also kept the wrong address even after months of providing my real id from past 10 years

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Larry H. Miller Group of Companies
State: GA

Complaint narrative:
Instead, Prestige has claimed that verbal acknowledgment is sufficient, but they have refused to provide proof of such acknowledgments. This lack of transparency has resulted in substantial confusion over the status of the account and has significantly extended the term of the loan, with additional interest accruals imposed without valid justification or consent. 
As a result, we have issued a Formal Demand for Compliance directly to Prestige Financial, requiring them to produce an itemized list of all deferments and supporting documentation within ten ( 10 ) business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: TN

Complaint narrative:
I am filing a complaint against Nelnet for inaccurate and unverifiable student loan reporting. My credit report shows multiple loans with ND ( no data ), outdated balances, and closed/transferred status that still impact my score. These companies were involved in a XX/XX/year> data breach, and I have not received proof that my loans were unaffected or that their reporting is accurate. 



I have disputed these with all three credit bureaus and directly with XXXX/Nelnet , requesting validation under the FCRA and FDCPA. They have failed to respond with legally sufficient proof. These accounts should be deleted from my credit report if they can not be verified. 



I am requesting the CFPB investigate this matter and demand these agencies provide proof or remove the tradelines.

Company response to consumer: Closed with explanation