vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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: FL

Complaint narrative:
To Whom It May Concern, This letter is a formal request pursuant to the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S. Code 1681i ], concerning an alleged debt that appears on my credit report.

I previously disputed the validity of this debt appearing on my credit profile. You responded stating the account had been " verified. '' However, per my rights under federal law, if you claim to have verified this account, you are required to maintain and provide documented evidence of the method and results of this verification. I have not received such documentation.

Please be advised : FCRA 611 ( a ) ( 5 ) ( A ) states that if an item of information disputed by a consumer is found to be inaccurate or can not be verified, it must be promptly deleted from the file of the consumer.

FCRA 607 ( b ) requires credit reporting agencies to ensure maximum possible accuracy of the information they report. 

Continuing to report unverifiable or inaccurate information after a dispute and request for verification constitutes willful noncompliance with federal law. 

If you or the furnisher of the information can not provide proof of verification with proper documentation, you are legally obligated to remove the account from my credit report. Failure to do so may result in legal action, including but not limited to a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential civil litigation for willful noncompliance.

This is not a request for reinvestigation ; it is a demand for proof of how the account was verified. If you are unable or unwilling to produce such documentation, this entry must be removed immediately. 

Please respond to this letter in writing within 15 days. Failure to comply will result in me exercising all legal remedies available under the law. 

Account Name : XXXX Account Number : XXXX Date Opened : XXXX Amount : {$120.00}

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 non-monetary relief
Consumer complaint received 2025-04-14 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: GA

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

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 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: FL

Complaint narrative:
Subject : Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ) and 611 Dear Sir/Madam, I am writing to express my vehement objection to a glaringly false entry on my credit report under the Fair Credit Reporting Act ( FCRA ) Sections 1681b ( 2 ) and 611. I demand that you promptly conduct a thorough investigation and expunge the unfounded charge-off account indicated below, as it is categorically inaccurate. 

Account Details : Account Name : XXXX XXXX XXXX Account Number : XXXX Reported Charge-Off Date : XX/XX/year> Disputed Amount : {$13000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: NJ

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

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 2025-04-14 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: AL

Complaint narrative:
My personal and financial data was compromised violating XXXX. I request full cancellation of all my student loan debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: AL

Complaint narrative:
My personal and financial data was compromised violating XXXX. I request full cancellation of all my student loan debts.

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 2025-04-14 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: AL

Complaint narrative:
My personal and financial data was compromised violating XXXX. I request full cancellation of all my student loan debts.

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 2025-04-14 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 XXXX 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 :

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 2025-04-14 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: FL

Complaint narrative:
this accounts say they are charged off and paid but I do not recognize this accounts as they are closed I need them remove from my credit report, Equifax, experian and TransUnion.. My name is XXXX XXXX XXXX XXXX social XXXX XXXX XXXX, the XXXXXXXX XXXX XXXX id not me, I need all below accounts deleted from my credit report. 

XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL this accounts are closed but they do not belong to me need them remove from all 3 burues

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 2025-04-14 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: FL

Complaint narrative:
this accounts say they are charged off and paid but I do not recognize this accounts as they are closed I need them remove from my credit report, Equifax, experian and TransUnion.. My name is XXXX XXXX XXXX XXXX social XXXX XXXX XXXX, the XXXXXXXX XXXX XXXX id not me, I need all below accounts deleted from my credit report. 

XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL this accounts are closed but they do not belong to me need them remove from all 3 burues

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 2025-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: VA

Complaint narrative:
My personal and financial information was compromised without my authorization. FERPA protects the confidentiality of student records. The breach violates the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XX/XX/year> To Whom It May Concern, In accordance with the **Fair Credit Reporting Act ( FCRA ), Section 609 ( 15 U.S. Code 1681g ) **, I am requesting that you not only remove these obsolete addresses, but also investigate and delete any negative, collection, or other derogatory accounts that may be associated with these incorrect addresses and that can not be properly verified.

Under **FCRA Section 611 ( 15 U.S. Code 1681i ) **, you are required to conduct a reasonable investigation of any disputed information and remove any unverifiable or inaccurate data. If a derogatory item is linked to an address that is not mine, and can not be confirmed as accurate, it must be deleted from my file. 

Please remove any personal address information that is no longer valid or has been incorrectly associated with my credit history, and ensure that any accounts tied to those addresses are fully verified or removed in accordance with federal law. 

Attached you will find proof of my identity and current residence for verification purposes. 

Thank you for your prompt attention to this matter. I look forward to receiving written confirmation once these corrections have been made. 
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 My current and only valid address is : XXXX XXXX XXXX XXXX, MD 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 2025-04-14 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:
XXXX XXXX XXXX INACURATE CREDIT REPORTING XXXX XXXX XXXX- INACURATE CREDIT REPORTING XXXX XXXX INACURATE CREDIT REPORTING XXXXXXXX XXXX INACURATE CREDIT REPORTING XXXX- INACURATE CREDIT REPORTING ALL OF THESE ACCOUNTS HAVE ALREADY BEEN REPORTED AND SUBMITTED ON MY BEHALF AS INACURATE CREDIT REPORTING THIS WILL BE MY SECOND ATTEMPT TO SETTLE THE MATTER THANK YOU IN ADVANCE

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 2025-04-14 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: CA

Complaint narrative:
Okay, here are XXXX separate complaint letters drafted to the CFPB, XXXX targeting the Department of Education and the other targeting XXXX, based on the issues outlined in your original dispute letter. 

Letter XXXX : Complaint Against the U.S. Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX [ Your Email Address ] Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX Iowa XXXX, Iowa XXXX ( Or via online submission at XXXX ) Subject : Formal Complaint Against U.S. Department of Education Inaccurate Reporting and Oversight of Federal Student Loan XXXX XXXX XXXX XXXX XXXX Acct # XXXX Dear Consumer Financial Protection Bureau XXXX I am writing to file a formal complaint against the U.S. Department of Education XXXX XXXX ) concerning significant and persistent inaccuracies related to federal student loan data appearing on my credit reports issued by Equifax XXXX XXXX XXXX and XXXX XXXX dated XX/XX/XXXX. These inaccuracies pertain to loans identified under Account # XXXX, which are serviced by XXXX on behalf of the XXXX. 

As the guarantor and ultimate owner of these federal student loans, the Department of Education bears responsibility for the integrity and accurate reporting of associated loan data, including oversight of its designated servicers. My credit reports reveal numerous inconsistencies and likely errors concerning these DoED loans, including : Conflicting Balances : The outstanding balances reported for the same loan ( XXXX ) differ across the XXXX major credit reporting agencies ( CRAs ). 
Inconsistent Delinquency Status : The reported delinquency status ( e.g., days past due ) is inconsistent across the CRAs for the same reporting periods. 
Varying Due Dates : The reported due dates associated with the loan ( XXXX ) are not uniform across the bureaus. 
Potential Duplication/Incorrect Splitting : The manner in which the loans are listed suggests potential duplication or inaccurate separation of loan components. 
Outdated Severe Delinquency : Some entries reflect a status of XXXX days late despite showing no documented activity or updates since XXXX, raising questions about their current validity and accuracy. 
These discrepancies create a confusing and inaccurate representation of my obligations and payment history, violating the principles of accuracy mandated by the Fair Credit Reporting Act ( FCRA ). While XXXX is the servicer directly furnishing data, the fundamental inconsistencies suggest potential issues with the underlying data managed or overseen by the XXXX, or inadequate oversight of servicer reporting practices. This situation negatively impacts my creditworthiness based on flawed information originating from XXXX loan programs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX XXXX XXXX ) for deceptive and misleading reporting.

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 2025-04-14 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX XXXX XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: MS

Complaint narrative:
XXXX XXXX ( no account number listed ) To Whom It May Concern, I am writing to formally dispute the reporting of the account referenced above as it appears on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ) and the Consumer Data Industry Associations ( CDIA ) Metro 2 guidelines, I am requesting that your company investigate and verify the accuracy and completeness of the information you are furnishing.

Under Metro 2 standards, data furnishers are required to report consumer credit data accurately, completely, and in a timely manner. I believe the reporting of this account violates those standards due to the following : Incorrect payment history, incorrect balance, inaccurate date, incorrect address, incorrect reporting, no account number listed, inaccuracies throughout the entire report.

If the information can not be fully verified and validated in compliance with Metro 2 format guidelines and FCRA requirements, I respectfully request that the account be removed from all consumer reporting agencies to which it was reported.

Under 15 U.S. code 1681 S 2A Ifurnishers must report accurate information. Under 15 U.S. code 1681 I the credit bureaus must perform a reasonable investigation within 30 days. Under 15 U.S. code 1692g dictates that debt collectors must send a written notice to consumers within five days of initial contact, detailing the debt amount, creditor name, and the consumer 's right to dispute the debt.

Please provide a written response confirming the results of your investigation and any action taken within 30 days, as required by federal law. 

Sincerely, 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 2025-04-14 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XX/XX/XXXXXXXX {$6400.00} -XX/XX/XXXX XXXX {$600.00} - XXXX XXXX XXXX IN XXXX {$270.00} - XXXX XXXX XXXX XXXX {$220.00} - ADDRESSES NOT RECOGNIZED XX/XX/XXXXXXXX XXXX XXXX, XXXX, TX XXXX, ADDRESS : XXXX XXXX XXXX, XXXX, TX XXXX, ADDRESS : XXXX XXXX XXXX, XXXX, TX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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 2025-04-14 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: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
My identity have been stolen. I have fraudulent accounts and fraudulent personal information on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-04-14 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: CA

Complaint narrative:
Entries for late payments appear on my report that I believe to be inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report is required to contain only information that is accurate, complete, and verifiable. I am requesting that these late payment entries be verified, and if they can not be confirmed, that they be corrected or removed.

Company response to consumer: Closed with non-monetary relief