vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: GA

Complaint narrative:
I am submitting a formal complaint against Transunion unon for failing to remove multiple fraudulent accounts from my credit report, even after submitting all required documentation in accordance with the Fair Credit Reporting Act ( FCRA ) 1681c-2. My identity was compromised in the XXXX XXXX XXXX data breach in XXXX. 

On XX/XX/XXXX, I filed a detailed dispute with Transunion and provided : A copy of my government-issued ID My Social Security card Proof of current address ( utility bill ) An FTC Identity Theft Report filed via XXXX Despite this, XXXX  has not removed or blocked the fraudulent accounts from my credit file, causing continued harm to my financial standing. 

Fraudulent Accounts Include : XXXX XXXX Acct. # XXXX XXXX XXXX Acct. # XXXX XXXX XXXX Acct. # XXXX XXXX XXXX XXXX Acct. # XXXX, XXXX XXXX Acct. # XXXX XXXX XXXX Acct. # XXXX, XXXX, XXXX XXXX XXXX XXXX Acct. # XXXX XXXX XXXX / XXXX Acct. # XXXX XXXX Acct. # XXXX XXXX XXXX / XXXX Acct. # XXXX XXXX XXXX / XXXX Acct. # XXXX XXXX XXXX XXXX XXXX Acct. # 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 2025-05-21 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: IL

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 a 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 tem 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 ) ( a ) 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. 

-Delete the accounts-below : XXXXXXXX XXXX XXXX  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 2025-05-21 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: IL

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Reliant Capital Solutions, LLC
State: IL

Complaint narrative:
Reliant Capital Solutions has contacted a family member with repeated texts specifically my mom. I am XXXX and the texts disclose they are collectors and has business of mine with my name on it. They have contacted me on my phone number prior, but I never received any texts. They stated they believed they had the wrong number. But when I called they pulled my account from my number. That is a very bad business practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXXEquifaxXXXX XXXX XXXX XXXXXXXX, GA XXXX Date : XX/XX/XXXX Dear Equifax : I pulled my credit report and noticed that there are items that are not right.I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) Date Opened : XXXXBalance : XXXX have no knowledge of this account, please remove it. 
Account : XXXX XXXX XXXX XXXX ( XXXX ) Date Opened : XXXXBalance : XXXX I have never been late on this account, please remove the late payments. 
Account : XXXX XXXX ( XXXX ) Date Opened : XXXXBalance : XXXX have never been late on this account, please remove the late payments. 
I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 

Respectfully, XXXX XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: LA

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litgation for defamation of character ) XXXX XXXX XXXX balance {$1400.00}, XXXX XXXX XXXX XXXX  balance {$2100.00}, XXXX XXXX {$30000.00}, XXXX XXXX XXXX balance {$6700.00}, XXXX XXXX balance {$720.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: LA

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litgation for defamation of character ) XXXX XXXX XXXX balance {$1400.00}, XXXX XXXX XXXX XXXX  balance {$2100.00}, XXXX XXXX {$30000.00}, XXXX XXXX XXXX balance {$6700.00}, XXXX XXXX balance {$720.00}

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 2025-05-21 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-21 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: MI

Complaint narrative:
I am submitting this complaint to dispute the accuracy and completeness of payment history reporting on several accounts listed in my credit report. After reviewing my file, I found multiple late payment entries that I do not recognize, and I believe these entries constitute billing errors as defined under 15 U.S. Code 1666 ( b ) of the Fair Credit Billing Act. 

According to the law, the following circumstances qualify as billing errors : The failure of the creditor to properly apply a payment or credit made by the consumer [ 1666 ( b ) ( 4 ) ] ; A computation or accounting error by the creditor [ 1666 ( b ) ( 5 ) ]. 

Additionally, no billing statements were provided at least 21 days before the due date, which is a legal requirement. As such, these late payments should not have been reported at all. 

Despite this, the payment history for the accounts listed below reflects multiple late payments that are both inaccurate and damaging to my credit profile. 

Disputed Accounts Late Payment Errors : XXXX XXXX XXXX  Account Number : XXXX * * * * * * * XXXX XXXX  Account Number : XXXX * * * * * * * * * * * XXXX XXXX Account Number : XXXX * * * * * * * * * * * XXXX XXXX Account Number : XXXX * * * * * * * * * * * XXXX XXXX  ( duplicate error reporting ) Account Number : XXXX * * * * * * * * * * * XXXX XXXX  ( duplicate error reporting ) Account Number : XXXX * * * * * * * * * * * XXXX XXXX XXXX ( duplicate error reporting ) Account Number : XXXX * * * * * * * XXXX XXXXXXXX ( duplicate error reporting ) Account Number : XXXX * * * * * * * * * * * XXXX Account Number : XXXX * * * * * * * * * * * * * * * I am formally requesting the following actions from the credit reporting agency and/or furnisher : A complete reinvestigation of each disputed payment history entry ; Documentary evidence that proves the alleged late payments were in fact due, billed properly, and unpaid on time ; If such evidence can not be provided, the late payments must be corrected to show Paid on Time status ; An updated copy of my credit report reflecting the corrections. 

I am also submitting this dispute to the Consumer Financial Protection Bureau ( CFPB ), Better Business Bureau ( BBB ), and my State Attorney General 's Office for formal review and oversight. 

I expect a timely and lawful response in accordance with the Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act. Thank you for your immediate attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
Greetings, I am XXXX XXXX and am reporting a violation I see on my credit report that needs to be removed. 

Accounts : Department of educationXXXX : XXXX Department of education XXXX XXXX These two accounts are in complete violation 15 USC 6802 ( B ) ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

These accounts completely violate my rights as a consumer and you guy are given 30 days at the most to correct this issue. You never contacted me before you disclosed my information to this 3rd party.

XX/XX/year>

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 2025-05-21 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: NY

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

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 2025-05-21 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: CA

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit file. I am a victim of identity theft, and my credit report contains multiple unauthorized accounts and inquiries that I did not initiate. These items are inaccurate and do not belong to me. 

Pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the unauthorized items from my report. Enclosed are a list of the disputed accounts and a copy of my Identity Theft Report filed with the Federal Trade Commission. 

Please investigate and delete these items as soon as possible. I also request written confirmation once the corrections have been made. 

Thank you for your prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I mailed over a disputed letter to Transunion disputing the completeness and accuracy for accounts on my credit report. I recently received a response from Transunion that was issued by them on XX/XX/XXXX that they received my dispute but they would not process it because they assuming it is from a 3rd. party. Im not sure why they think that I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that Transunion do their job and conduct a proper investigation on the acts I am trying to dispute. I have attached the letters along with my Drivers License and proof of address.

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 2025-05-21 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:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: WI

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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:
Recently I looked at a copy of my report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently I looked at a copy of my report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX Account number : 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 2025-05-21 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Date : XXXX Subject : Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX 
Legal Reference : Fair Credit Reporting Act 15 U.S.C. 1681i & 1681s-2 To Whom It May Concern, I am writing to formally dispute inaccurate and misleading information listed on my TransUnion credit report related to the following account : Creditor : XXXX XXXX XXXX  XXXX 
Account Number : XXXX ( truncated for privacy ) Date Opened : XX/XX/XXXX Upon review of this accounts reporting, I have identified multiple discrepancies that may violate the Fair Credit Reporting Act, specifically : 15 U.S.C. 1681i, which requires a reinvestigation of disputed information, and 15 U.S.C. 1681s-2, which prohibits the reporting of inaccurate or unverifiable information by furnishers.

Inaccuracies and Concerns : 1. Charged Off as Bad Debt and 99 % Credit Usage with No History The account is reported as charged off with a balance of {$4900.00} out of a {$5000.00} limit ( 99 % usage ), yet no 24-month payment history is available to display. Reporting a charge-off without any history of delinquency is inconsistent and unfairly impacts my credit profile.

2. Dispute Resolved ; Customer Disagrees Status This statement implies the matter was finalized without giving me a fair opportunity to respond or escalate. The continued reporting of the negative status along with this notation suggests bias and does not reflect an accurate or neutral conclusion under FCRA obligations.

3. Balance Matches Past Due Amount The entire balance ( {$4900.00} ) is listed as past due, while also marked charged off. These dual classifications are contradictory. Once an account is charged off, the past due status should not continue unless legally valid and verifiable.

4. Status Update and Payment Date Conflict The last payment date is shown as XX/XX/XXXX, but the charge-off and balance update reflect XX/XX/XXXX over a year later. This long delay raises concerns about the timeliness and accuracy of data updates under FCRA 1681c.

Action Requested : In accordance with the FCRA, I am formally requesting the following : 1. A full reinvestigation of this account XXXX XXXX XXXX XXXX XXXX 
2. Correction or deletion of all inaccurate, incomplete, or unverifiable information.

3. Written results of the reinvestigation and an updated copy of my TransUnion credit report.

Attached are my identity documents to assist in verifying and processing this dispute.

Please complete this investigation within the 30-day time period as required by federal law. 

Sincerely, 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 explanation
Consumer complaint received 2025-05-21 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: VA

Complaint narrative:
SOMEONE STOLE MY PERSONAL INFORMATION AN USED IT TO OPEN UP ACCOUNTS. PLEASE BLOCK AND REMOVE THESE INACCURATE ACCOUNTS FROM MY CREDIT PROFILE. THANK YOU.

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 2025-05-21 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief