vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Date of XXXX SS # : XXXX TransUnion : TransUnion LLC Consumer Dispute Center XXXX P.O XXXX XXXX XXXX, PA XXXX XX/XX/XXXX RE : You Violated the United States XXXX XXXX ( FCRA XXXX U.S. Code XXXX - Responsibilities of furnishers of information to consumer reporting agencies ) FCRA XXXX U.S. Code XXXX - Responsibilities of furnishers of information to consumer reporting agencies- ( XXXX ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 


Under FCRA XXXX U.S. Code XXXX ( XXXX ) you violated the law. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed. 


The items below should all be removed from my consumer report under XXXX USC XXXX ( XXXX ) XXXX. You are in violation of XXXX US Code XXXX ( XXXX ) Failure to provide notice of dispute. 

RegionalAC Account Number : * * * * Delete account immediately. 


XXXX. You are in violation of XXXX US Code XXXX ( XXXX ) Failure to provide notice of dispute. 

XXXX XXXX Account Number : XXXX Delete account immediately. 


XXXX. You are in violation of XXXX US Code XXXX ( XXXX ). Failure to provide notice of dispute. 

XXXX XXXX XXXX Account XXXX : XXXX * * Delete account immediately. 




You are in violation of XXXX US Code XXXX ( XXXX ) Failure to provide notice of dispute. 

XXXX XXXX Account XXXX : XXXX * * * Delete account immediately. 


You are in violation of XXXX US Code XXXX ( XXXX ) Failure to provide notice of dispute. 

XXXX XXXX Account XXXX : XXXX * * * Delete account immediately. 


You are in violation of XXXX US Code XXXX ( XXXX ) Failure to provide notice of dispute. 

XXXX XXXX XXXX Account XXXX : * * * * Delete account immediately. 


You are in violation of XXXX XXXX XXXX XXXX ( XXXX ) Failure to provide notice of dispute. 

XXXX XXXX XXXX Account XXXX : * * * * Delete account immediately. 



As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my rights in small claims court in my city and state under XXXX USC XXXX civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission ). 


Sincerely,

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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian

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 2025-07-06 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/year>XXXX  TO : [ Experian / Equifax / TransUnion Attn : Dispute Department [ Insert Address of Credit Bureau ] RE : SECOND NOTICE DEMAND FOR PERMANENT DELETION OF FRAUDULENT ACCOUNTS UNDER FCRA 605B Accounts in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX To Whom It May Concern : This correspondence is a Second Legal Notice demanding deletion of the above-referenced accounts from my credit report. I am asserting my rights under FCRA 605B, which allows any consumer who is a victim of identity theft to demand the blocking and permanent removal of accounts resulting from such theft. 

Let me be clear : I am not disputing the existence of the accounts outright. I am asserting that they were opened without my full knowledge, authorization, or written consent and under federal law, this constitutes identity theft. 

Furthermore : No written consent was ever given to open or report these accounts. 

No opt-out opportunity was presented under the Gramm-Leach-Bliley Act.

No original wet-ink signature or verifiable contract has been produced. 

You are now on legal notice that these violations equate to identity theft through non-consensual data use, regardless of whether the account was initiated in my name. 

As such, I demand that you : Permanently delete the accounts listed above under FCRA 605B Block any future reporting or re-insertion of these accounts Notify me in writing of the permanent removal within 4 days of receipt of this notice Failure to comply with this notice will result in a complaint to the Consumer Financial Protection Bureau ( CFPB ) and civil action for damages, including per-violation penalties under the FCRA, GLBA, and applicable identity theft laws.

This is your final opportunity to honor federal protections. I have attached the necessary documentation again for your review, including my FTC Identity Theft Report ( # XXXX ), my notarized affidavit, and my government-issued ID. 

Respectfully, XXXX : of the XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/year>XXXX  TO : [ Experian / Equifax / TransUnion Attn : Dispute Department [ Insert Address of Credit Bureau ] RE : SECOND NOTICE DEMAND FOR PERMANENT DELETION OF FRAUDULENT ACCOUNTS UNDER FCRA 605B Accounts in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX To Whom It May Concern : This correspondence is a Second Legal Notice demanding deletion of the above-referenced accounts from my credit report. I am asserting my rights under FCRA 605B, which allows any consumer who is a victim of identity theft to demand the blocking and permanent removal of accounts resulting from such theft. 

Let me be clear : I am not disputing the existence of the accounts outright. I am asserting that they were opened without my full knowledge, authorization, or written consent and under federal law, this constitutes identity theft. 

Furthermore : No written consent was ever given to open or report these accounts. 

No opt-out opportunity was presented under the Gramm-Leach-Bliley Act.

No original wet-ink signature or verifiable contract has been produced. 

You are now on legal notice that these violations equate to identity theft through non-consensual data use, regardless of whether the account was initiated in my name. 

As such, I demand that you : Permanently delete the accounts listed above under FCRA 605B Block any future reporting or re-insertion of these accounts Notify me in writing of the permanent removal within 4 days of receipt of this notice Failure to comply with this notice will result in a complaint to the Consumer Financial Protection Bureau ( CFPB ) and civil action for damages, including per-violation penalties under the FCRA, GLBA, and applicable identity theft laws.

This is your final opportunity to honor federal protections. I have attached the necessary documentation again for your review, including my FTC Identity Theft Report ( # XXXX ), my notarized affidavit, and my government-issued ID. 

Respectfully, XXXX : of the 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 2025-07-06 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:
In early XX/XX/XXXX, XXXX separate accounts appeared on my credit reports that I did not authorize, open, or recognize. 

The first is from XXXX XXXX XXXX ( account XX/XX/XXXXXXXX, balance {$660.00}, opened XX/XX/year> ). 

The second is from XXXX XXXX XXXX on behalf of XX/XX/XXXX( account # XXXX, balance {$2000.00}, opened XX/XX/year> ). 

The third is from XXXX XXXXXX/XX/XXXX, which is a closed account showing XXXX late payments. I had no involvement with this account and never applied for or authorized this loan. 

These are fraudulent accounts resulting from identity theft. I have filed a police report and submitted disputes with the credit bureaus. Despite these actions, all three companies continue to report these accounts as valid, causing ongoing damage to my credit and financial reputation. 

I have sent formal written disputes directly to all three companies demanding removal of the accounts and all associated reporting. As of this submission, none of the accounts have been removed. 

This situation is causing unnecessary stress, denial of credit, and reputational harm. I am requesting CFPB assistance in enforcing my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to have these fraudulent accounts removed immediately.

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 2025-07-06 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:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX : XXXX ( last 4 ) : XXXX To Whom It May Concern, I am writing to formally dispute the account being reported by Flagship Credit Acceptance on my credit reports with TransUnion, Experian, and Equifax. This account is being reported as a charge-off/collection with a balance of {$13000.00}, and I believe this information is inaccurate, unverifiable, and possibly a violation of my consumer rights.

Pursuant to the Fair Credit Reporting Act ( FCRA ) 611 and 609 ( a ) ( 1 ) ( A ), I am requesting a full investigation and validation of this account. If XXXX XXXX XXXX can not provide documented evidence, including but not limited to a signed original contract, payment history, and full account breakdown, this account must be removed from all consumer reports. 

Furthermore, this account is being reported as a charge-off. If it has indeed been charged off and XXXX XXXX XXXX has claimed this as a loss, they are legally required to file an IRS Form XXXX or XXXX. I have not received any such documentation from them. If this was not reported to the IRS, the charge-off status may constitute false or misleading reporting, which is strictly prohibited. 

This account must be deleted from my credit reports unless fully validated and proven accurate under the law. I expect this investigation to be completed within the time allowed by federal law. 

Sincerely, 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 2025-07-06 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:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX : XXXX ( last 4 ) : XXXX To Whom It May Concern, I am writing to formally dispute the account being reported by Flagship Credit Acceptance on my credit reports with TransUnion, Experian, and Equifax. This account is being reported as a charge-off/collection with a balance of {$13000.00}, and I believe this information is inaccurate, unverifiable, and possibly a violation of my consumer rights.

Pursuant to the Fair Credit Reporting Act ( FCRA ) 611 and 609 ( a ) ( 1 ) ( A ), I am requesting a full investigation and validation of this account. If XXXX XXXX XXXX can not provide documented evidence, including but not limited to a signed original contract, payment history, and full account breakdown, this account must be removed from all consumer reports. 

Furthermore, this account is being reported as a charge-off. If it has indeed been charged off and XXXX XXXX XXXX has claimed this as a loss, they are legally required to file an IRS Form XXXX or XXXX. I have not received any such documentation from them. If this was not reported to the IRS, the charge-off status may constitute false or misleading reporting, which is strictly prohibited. 

This account must be deleted from my credit reports unless fully validated and proven accurate under the law. I expect this investigation to be completed within the time allowed by federal law. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: TX

Complaint narrative:
My information was breached in the XXXX XXXX breach Account XXXX XXXX XXXX Account 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 explanation
Consumer complaint received 2025-07-06 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:
I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like Equifax did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 

I am fully aware the under 15 U.S. Code ss 1681 ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX XXXX XXXX XX/XX/year> PLEASE Delete late payments.THANKS 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 2025-07-06 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 victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : 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 2025-07-06 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 do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AK

Complaint narrative:
This is a duplicate account that is affecting my credit. I have disputed several times and no one will help me. They have said it was a duplicate but it hasnt been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
On XX/XX/year> I received a letter from Synchrony Bank which indicated they received a request for a XXXX  Credit Card and needed more information to confirm my identity. I didnt submit a credit card application for this credit card. On XX/XX/year> I contacted the bank, spoke with XXXX and reported the identity theft, XXXX XXXX XXXX XXXX. 

It should be noted that on XX/XX/year> I received several emails from XXXX that someone purchased a phone in my name, added a line to my account, and made other changes. This was reported to 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 2025-07-06 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:
I am writing to formally address an issue with my credit report concerning a late payment on XX/XX/year> that were inaccurately reported during the XXXX pandemic. During this period, I experienced significant hardship due to job loss and, as a result, made accommodations with XXXX to ensure my account remained in good standing. I was assured by XXXX that the account would not be negatively affected during this time frame. 

Under the CARES Act, I was entitled to certain protections, including the option for forbearance and relief from adverse credit reporting for accounts in good standing prior to the pandemic. However, I have noticed that late payments have been reported on my credit report, which is directly contradicting the assurances made to me and the protections I am entitled to under the Act. 

I previously submitted a dispute to Experian regarding these late payments, and I recently received notification that the results of my dispute indicated that the late payments will remain on my account. However, I feel that a proper investigation was not conducted. There are clear records in XXXX ' system showing that I called in and entered into a payment plan, and these should be reflected accordingly on my credit report. 

I respectfully request the following : A thorough reinvestigation into the reporting of these late payments. 

A clear explanation of the steps taken during your investigation, including confirmation of who was contacted at XXXX. 

The removal or correction of the late payments from my credit report to accurately reflect the accommodations made under the CARES Act. 

If this matter is not resolved to my satisfaction, I will have no choice but to proceed with arbitration as the next step.

Company response to consumer: Closed with explanation