vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 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: MS

Complaint narrative:
Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. Per 605C- 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from. Please 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 2025-04-23 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. Per 605C- 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from. Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: FL

Complaint narrative:
To the Consumer Financial Protection Bureau, I am writing to file a formal dispute and complaint regarding multiple negative and charged-off accounts currently reported on my credit files by Experian, Equifax, and TransUnion. These accounts are reported inaccurately and are in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 Credit Reporting Standards used by furnishers. 

Disputed Accounts : XXXX XXXX  Experian : 3 charge-off accounts ( account numbers ending in XXXX, XXXX, and XXXX ) show inconsistent balances, overlapping statuses, and improperly extended charge-off periods beyond Metro 2 guidelines. 

XXXX XXXX XXXX Experian : Charged off with no consistent payment history or accurate last activity date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : Medical debt never verified under 15 USC 1692g ; reporting without timely validation. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX / XXXXXXXX XXXX  TransUnion : These collection accounts have unverifiable statuses and conflicting reported timelines violating FCRA 607 ( b ) and Metro 2 Date of First Delinquency guidelines.

Basis of Dispute Metro 2 Inconsistency : Charge-off reporting dates and balances are not synchronized across bureaus, violating the standard format established for uniform credit reporting and likely skewing score models and creditworthiness.

Lack of Proper Verification : I have never received any original signed documentation substantiating these debts or showing chain of title proving the collectors right to report. Extended Negative Reporting : Some charge-offs list continuation of late statuses well beyond Metro 2 allowable windows, misleading future creditors and artificially suppressing my credit score. FCRA Violations : Incomplete or unverifiabl
e data must be removed within 30 days ( 15 U.S. Code 1681i ). These accounts continue to be reported despite no verification.

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 2025-04-23 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: NJ

Complaint narrative:
I have been directly affected by the Equifax data breach. These accounts do not belong to me, they are unauthorized!! Please address this matter asap. 

XXXX XXXX- Account numbers : XXXX date- XX/XX/XXXX XXXX date- XX/XX/XXXX XXXX dates- XX/XX/XXXX & XX/XX/XXXX XXXX Account numbers- XXXX date- XX/XX/XXXX XXXX date - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: NJ

Complaint narrative:
I have been directly affected by the Equifax data breach. These accounts do not belong to me, they are unauthorized!! Please address this matter asap. 

XXXX XXXX- Account numbers : XXXX date- XX/XX/XXXX XXXX date- XX/XX/XXXX XXXX dates- XX/XX/XXXX & XX/XX/XXXX XXXX Account numbers- XXXX date- XX/XX/XXXX XXXX date - XX/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 2025-04-23 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and I noticed some hard inquiries that I do not recognize or were made in error. According to 15 USC 1681B a credit inquiry may only be made under certain circumstances and for permissible purposes. Additionally, under 15 USC 1681i, I have the right to dispute inaccurate information on my credit report. The following hard inquiries were not authorized by be and I request that they be removed from my credit report immediately. 
Disputed Inquiries : 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 2025-04-23 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:
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. 
XX/XX/XXXX, has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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:
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. 
XX/XX/XXXX, has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-04-23 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: IL

Complaint narrative:
Please delete the following accounts from my consumer credit report, I did not authorize them. I am a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please also delete the following inquiries : XXXX XXXX XXXX, and XXXX as I did not authorize them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-04-23 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 accounts referenced are fraudulent. I have not entered into any consumer credit transaction with any of the entities listed in the FTC Identity Theft Report attached hereto. These accounts were opened without my knowledge, consent, or authorization.

The continued reporting of these accounts on my credit file constitutes an unlawful attempt to compel payment of a debt I do not owe and is a misuse of my personal credit information. This conduct violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681c-2 which requires consumer reporting agencies to block fraudulent information resulting from identity theft upon receipt of proper documentation.

15 U.S.C. 1681s-2 ( a ) ( 6 ) which prohibits furnishers from reporting information that the consumer has identified as resulting from identity theft without verifying its legitimacy.

15 U.S.C. 1681e ( b ) which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information they report.

I hereby verify, under penalty of perjury, that I did not authorize or initiate any of the accounts identified in the attached FTC Identity Theft Report. I respectfully demand that these accounts be blocked and permanently removed from my credit file, and that all furnishers and credit reporting agencies cease reporting these fraudulent accounts 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 2025-04-23 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:
The accounts referenced are fraudulent. I have not entered into any consumer credit transaction with any of the entities listed in the FTC Identity Theft Report attached hereto. These accounts were opened without my knowledge, consent, or authorization.

The continued reporting of these accounts on my credit file constitutes an unlawful attempt to compel payment of a debt I do not owe and is a misuse of my personal credit information. This conduct violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681c-2 which requires consumer reporting agencies to block fraudulent information resulting from identity theft upon receipt of proper documentation.

15 U.S.C. 1681s-2 ( a ) ( 6 ) which prohibits furnishers from reporting information that the consumer has identified as resulting from identity theft without verifying its legitimacy.

15 U.S.C. 1681e ( b ) which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information they report.

I hereby verify, under penalty of perjury, that I did not authorize or initiate any of the accounts identified in the attached FTC Identity Theft Report. I respectfully demand that these accounts be blocked and permanently removed from my credit file, and that all furnishers and credit reporting agencies cease reporting these fraudulent accounts 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 2025-04-23 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: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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:
I am a victim of identity theft and would like all these accounts investigated and 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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit scores reported online are not the same when you get credit pulled. XXXX points different with Experian and XXXX points different with equifax and transunion. My scores online are not the same as yall report. Why would you say I have a XXXX when its a 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 2025-04-23 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: GA

Complaint narrative:
The credit scores reported online are not the same when you get credit pulled. XXXX points different with Experian and XXXX points different with equifax and transunion. My scores online are not the same as yall report. Why would you say I have a XXXX when its a XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: CA

Complaint narrative:
There are late payment remarks on my credit report that are entirely inaccurate and misleading. Many of these accounts show a {$0.00} balance and no past due amountso how can they be marked late? These notations are unfairly harming my score, despite my history of maintaining financial obligations.

Under the FCRA, no account may be reported as delinquent unless it can be backed by verifiable proof, including original signed documentation. If no such proof exists, these remarks must be deleted immediately. Most of these items have already been corrected or removed by other major bureaus due to lack of verifiable evidence, raising concerns about why they remain. 

The following late payment items are disputed and must be thoroughly reverified or deleted immediately : Late Payment ( XXXX Bureaus ) 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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed my employment information was not being reported accurately. I am now requesting you investigate, update my current employment information and delete all other employment as they are incorrect : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.Thank you for your understanding and prompt action.

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 2025-04-23 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: FL

Complaint narrative:
The accounts referenced are fraudulent. I have not entered into any consumer credit transaction with any of the entities listed in the FTC Identity Theft Report attached hereto. These accounts were opened without my knowledge, consent, or authorization.

The continued reporting of these accounts on my credit file constitutes an unlawful attempt to compel payment of a debt I do not owe and is a misuse of my personal credit information. This conduct violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681c-2 which requires consumer reporting agencies to block fraudulent information resulting from identity theft upon receipt of proper documentation.

15 U.S.C. 1681s-2 ( a ) ( 6 ) which prohibits furnishers from reporting information that the consumer has identified as resulting from identity theft without verifying its legitimacy.

15 U.S.C. 1681e ( b ) which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information they report.

I hereby verify, under penalty of perjury, that I did not authorize or initiate any of the accounts identified in the attached FTC Identity Theft Report. I respectfully demand that these accounts be blocked and permanently removed from my credit file, and that all furnishers and credit reporting agencies cease reporting these fraudulent accounts in compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am asking for your assistance in looking into accounts from companies that have incorrectly reported late payments. After reviewing my credit report, I found some accounts showing late payments that are not accurate. These accounts should not have any such remarks. Please remove these errors and update the accounts to show a positive status as agreed.

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 2025-04-23 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: PA

Complaint narrative:
Subject : Request for Full Deletion Due to Inaccurate Credit Reporting XXXX Secured Card I am filing a formal complaint against XXXX XXXX XXXX regarding their inaccurate and harmful reporting of a closed and charged-off account. 

This account was opened in XX/XX/XXXX, charged off in XX/XX/XXXX, and closed in XX/XX/XXXX. Despite this, XXXX continues to report an active balance of {$350.00} against a {$300.00} credit limit, resulting in a 117 % utilization rate on a CLOSED account. This is not only misleading, but it also violates Metro 2 Compliance Guidelines, which clearly state that utilization percentages should not be calculated on charged-off or closed accounts.

Additionally, under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i, I have the right to dispute inaccurate or unverifiable information. XXXX has not updated or verified any payment history since XXXX, and the information being reported is outdated and damaging. 

Due to these violations of both FCRA and Metro 2 standards, I am demanding the immediate deletion of this account from all credit reporting agencies. If XXXX can not provide documented proof of the accuracy and compliance of the reported data, then by law, this account must be permanently removed from my credit profile. 

Please confirm that this account will be deleted from all consumer reporting agencies as a resolution to this dispute.

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