vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. 
I have never been late on payments for the account : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be, since I was NEVER late. 
Thanks.

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 2025-07-01 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Dear Experian XXXX Department, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding multiple hard inquiries that appear on my credit file. I am requesting the immediate investigation and removal of the following inquiries which I did not authorize, or which you are legally obligated to verify with documented permissible purpose : Disputed Hard Inquiries Experian Creditor Name Inquiry Date XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Legal Basis for Dispute Under the Fair Credit Reporting Act : 15 U.S.C. 1681b ( c ) : A credit bureau must ensure that a hard inquiry only appears if there was a permissible purpose and written authorization.

15 U.S.C. 1681e ( a ) : Consumer reporting agencies are required to maintain reasonable procedures to prevent the disclosure of information to unauthorized parties.

15 U.S.C. 1681i : If an inquiry is inaccurate, outdated, incomplete, or unverifiable, it must be deleted within 30 days of a formal dispute. 

I am asserting that the above-listed inquiries are either unauthorized, unverifiable, duplicated, or without a proper permissible purpose under FCRA. If you can not provide the documented proof of my explicit authorization or a legally valid reason for each of these inquiries, they must be immediately removed from my credit report. 

Demand for Action I formally demand that : You initiate a reinvestigation of all inquiries listed above. 

You delete any inquiry that can not be fully verified by the furnisher with signed authorization or clear documentation. 

You provide a full written response within the XXXX period, as required by 15 U.S.C. 1681i ( a ).

Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). I also reserve the right to pursue legal action under 15 U.S.C. 1681n & 1681o for negligent or willful noncompliance with federal law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX DOB : XX/XX/XXXX SSN ( last XXXX ) : XXXX Email ( optional ) 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 2025-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX Bull City Financial Solutions XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX XXXX RE : Cease and Desist Collection Account [ {$2000.00} XXXX XXXX ] To Whom It May Concern : This letter is being sent to you in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). I am formally requesting that you cease and desist all communication with me regarding the alleged debt referenced above. 

I do not admit to owing this debt, and I am exercising my right to stop all further contact from your agency. Be advised that any further contact by your office or any affiliated representativesexcept as allowed by lawwill be documented and considered a violation of the FDCPA. This includes, but is not limited to, telephone calls, emails, letters, or communication with third parties regarding this matter. 

Please confirm in writing that you have received this letter and that all collection efforts and communications from your agency will cease immediately. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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:
I was victim of identity theft back if XXXX when I was out of the country during the Covid-19 Pandemic. During that time few accounts were reported to the bureaus under my name including : TransunionXXXX XXXX, XXXX XXXX XXXX XXXX  and XXXX XXXXExperian/ XXXX XXXX, and XXXXXXXX XXXX. Equifax/ XXXX XXXX XXXX XXXX XXXX Account {$310.00} have been deleted multiple times from all credit bureaus but the creditor keep reporting back to the bureaus as accurate which is completely false. I have provided FTC and Police reports to all bureaus including the creditors but the creditor keep refusing to not speak with me or to provide evidence to support their claims. FCRA establish that creditors have 30 days to present evidence to the consumer as the debt is accurate and belong to the person. I am demanding after years of stress and anxiety on these issues, to please delete this account from all my bureaus once for all. Also, XXXX XXXX XXXX XXXX XXXX XXXX are also challenged and similar situation I have faced to delete these issues for good. Please get these fraud tiems removed from my credit report. 

Experian is also reporting XXXX XXXX XXXX account that is inaccurate, balance in incorrect, and the creditor is also refusing speak with me. This vehicle is constantly on repairs, and I spent more than {$13000.00} on the last two years. Not only the account balance is incorrect but in addition to that not communication with me. This accopunt needs to be removed as the creditor did not comply with FCRA about the 30 days timeline to respond to the customer. Child Support still on my report, despite the account needs to be removed seven years after the first day of delinquency ( XX/XX/XXXX ). Last the XXXX XXXX XXXX XXXX secured loan was paid on time but creditor insisted that account was 30 days past due during the payment of the agreement ; however, the account was paid on time according to the extension agreement with the creditor. I asked the creditor to provide evidence of the extension agreement but they do not respond or ignored my inquiries. 

According to FCRA pursuant XXXX XXXX Section XXXX ( XXXX ) ( A ) creditors need to provide me with a description of the procedure used to determine accuracy and completeness, and to provide within 15 days of the completion of their investigation. That have been ignored and most important the process it is a clear violation of this 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 2025-07-01 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:
I was victim of identity theft back if XXXX when I was out of the country during the Covid-19 Pandemic. During that time few accounts were reported to the bureaus under my name including : TransunionXXXX XXXX, XXXX XXXX XXXX XXXX  and XXXX XXXXExperian/ XXXX XXXX, and XXXXXXXX XXXX. Equifax/ XXXX XXXX XXXX XXXX XXXX Account {$310.00} have been deleted multiple times from all credit bureaus but the creditor keep reporting back to the bureaus as accurate which is completely false. I have provided FTC and Police reports to all bureaus including the creditors but the creditor keep refusing to not speak with me or to provide evidence to support their claims. FCRA establish that creditors have 30 days to present evidence to the consumer as the debt is accurate and belong to the person. I am demanding after years of stress and anxiety on these issues, to please delete this account from all my bureaus once for all. Also, XXXX XXXX XXXX XXXX XXXX XXXX are also challenged and similar situation I have faced to delete these issues for good. Please get these fraud tiems removed from my credit report. 

Experian is also reporting XXXX XXXX XXXX account that is inaccurate, balance in incorrect, and the creditor is also refusing speak with me. This vehicle is constantly on repairs, and I spent more than {$13000.00} on the last two years. Not only the account balance is incorrect but in addition to that not communication with me. This accopunt needs to be removed as the creditor did not comply with FCRA about the 30 days timeline to respond to the customer. Child Support still on my report, despite the account needs to be removed seven years after the first day of delinquency ( XX/XX/XXXX ). Last the XXXX XXXX XXXX XXXX secured loan was paid on time but creditor insisted that account was 30 days past due during the payment of the agreement ; however, the account was paid on time according to the extension agreement with the creditor. I asked the creditor to provide evidence of the extension agreement but they do not respond or ignored my inquiries. 

According to FCRA pursuant XXXX XXXX Section XXXX ( XXXX ) ( A ) creditors need to provide me with a description of the procedure used to determine accuracy and completeness, and to provide within 15 days of the completion of their investigation. That have been ignored and most important the process it is a clear violation of this law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-01 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Trans Union credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of DEPTEDXXXX XXXXXXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXXXXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit 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 2025-07-01 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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 may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: DE

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information contacted in connection with the disputed item. 

Please provide this information within XXXX XXXX  of receiving this request, as required by 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 2025-07-01 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: OH

Complaint narrative:
XX/XX/year> Subject : Formal Dispute of Inaccurate Account Reporting XXXX  ( Account # XXXX ) To Whom It May Concern, I am writing to formally dispute an account listed on my credit report under the name XXXX, account number XXXX. This account reflects a balance of {$9200.00}, which is inaccurate and should be removed immediately. 

This debt stems from a rental property I occupied while receiving a Section 8 housing voucher from the XXXX XXXX XXXX XXXX ( XXXX ). During my tenancy, the property failed a XXXX inspection. As a result, rent payments were withheld until the landlord completed the necessary repairs as documented in the inspection report. 

The charges that the landlord is now attempting to collect are directly related to repairs that XXXX had explicitly required the landlord to make. I am attaching the following documentation to support my dispute : 1. A copy of the XXXX failed inspection report outlining the repairs the landlord was required to complete. 
2. A copy of the payment schedule from XXXX, showing withheld payments for XXXX and XXXX due to failed inspections. 
3. A copy of the itemized list of charges from the debt collector.

4. A comparison of this list with the inspection report, clearly showing that the charges are for landlord-responsible repairs.

5. Documentation showing that the landlord also withheld my {$1400.00} security deposit, further calling into question the legitimacy of this claimed debt.

I was not notified by the landlord or any collection agency prior to this account being reported on my credit file. This failure to provide notice may also be in violation of the Fair Debt Collection Practices Act ( FDCPA ).

Given the fraudulent and unjust nature of this claim, and the impact this erroneous information is having on my creditworthiness, I respectfully request that this account be investigated and removed from my credit report immediately.

Please confirm receipt of this dispute and notify me in writing of the outcome of your investigation. If you require any further information, I am happy to cooperate fully. 

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 explanation
Consumer complaint received 2025-07-01 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:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report : 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 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 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 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 XXXX XXXX XXXXXX/XX/XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report : 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 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 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 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 XXXX XXXX XXXXXX/XX/XXXX 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 non-monetary relief