vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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 am writing to formally dispute the accuracy and validity of the XXXX XXXX account reporting on my credit file. The information being reported is inconsistent, misleading, and in direct violation of the Fair Credit Reporting Act ( FCRA ). 
Account Details in Dispute Creditor Name : XXXX XXXX Account # : XXXX Date Opened : XX/XX/year> Balance : {$10000.00} Status : Charged Off / Repossession Language Reporting Bureaus : TransUnion , Experian Violations of the FCRA FCRA 607 ( b ) : Maximum Possible Accuracy The account is being reported with inconsistent date opened, date last active, and date of last payment between TransUnion and Experian. 
The account status includes contradictory terms such as charged off, transferred to recovery, merchandise taken back, and balance due. 
If the merchandise ( vehicle ) was repossessed, then the balance should reflect sale proceeds, not the full original balance. 

FCRA 611 ( a ) ( 1 ) ( A ) : Right to Dispute and Reinvestigation Requirement I am formally disputing the accuracy of this account. Unless XXXX XXXX can provide original signed contracts, payment history, and proof of repossession and deficiency balance, this information must be deleted. 

FCRA 623 ( a ) ( 1 ) ( A ) : Reporting Information Known to Be Inaccurate The language being used in the comments is ambiguous, misleading, and damaging, with no proof of current balance ownership, whether its still with XXXX XXXX or a third-party collector. 

FCRA 623 ( a ) ( 5 ) : Failure to Accurately Report the Date of First Delinquency ( DOFD ) This account is missing a clearly defined DOFD, which could result in illegal re-aging of the debt and extended derogatory reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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 am writing to formally dispute the accuracy and validity of the XXXX XXXX account reporting on my credit file. The information being reported is inconsistent, misleading, and in direct violation of the Fair Credit Reporting Act ( FCRA ). 
Account Details in Dispute Creditor Name : XXXX XXXX Account # : XXXX Date Opened : XX/XX/year> Balance : {$10000.00} Status : Charged Off / Repossession Language Reporting Bureaus : TransUnion , Experian Violations of the FCRA FCRA 607 ( b ) : Maximum Possible Accuracy The account is being reported with inconsistent date opened, date last active, and date of last payment between TransUnion and Experian. 
The account status includes contradictory terms such as charged off, transferred to recovery, merchandise taken back, and balance due. 
If the merchandise ( vehicle ) was repossessed, then the balance should reflect sale proceeds, not the full original balance. 

FCRA 611 ( a ) ( 1 ) ( A ) : Right to Dispute and Reinvestigation Requirement I am formally disputing the accuracy of this account. Unless XXXX XXXX can provide original signed contracts, payment history, and proof of repossession and deficiency balance, this information must be deleted. 

FCRA 623 ( a ) ( 1 ) ( A ) : Reporting Information Known to Be Inaccurate The language being used in the comments is ambiguous, misleading, and damaging, with no proof of current balance ownership, whether its still with XXXX XXXX or a third-party collector. 

FCRA 623 ( a ) ( 5 ) : Failure to Accurately Report the Date of First Delinquency ( DOFD ) This account is missing a clearly defined DOFD, which could result in illegal re-aging of the debt and extended derogatory reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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:
XXXX XXXX XXXXXXXX Reports as Open and Current but shows XXXX late payments within less than 12 months of activity If current, lates must be verified and reported correctly otherwise this is inconsistent and harmful Violations : 1681e ( b ) : Misleading status on active account 1681s-2 ( b ) : Failure to provide verification of lates upon dispute XXXX XXXXXXXX Account shows charge-off, XXXX balance, and note that it was purchased by another lender Account should be removed if sold and unverified you can not charge-off and sell the same debt without validation Violations : 1681e ( b ) : Reporting inaccurate account status 1681s-2 ( b ) : Continued reporting without verification from original creditor 1681c ( a ) ( 4 ) : Potential outdated reporting last payment in XX/XX/XXXX XXXX XXXX Account shows closed and charged-off, but with multiple duplicates and conflicting statuses Also marked purchased by another lender yet still showing as active derogatory Violations : 1681e ( b ) : Duplicate and conflicting data 1681i : Failure to correct upon previous dispute 1681s-2 ( b ) : Continued derogatory status with no validation 1681c ( a ) ( XXXX ) : Outdated derogatory ( last payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance, charge-off, and sale notation This appears to be a duplicate of XXXX, violating max accuracy standards Violations : 1681e ( b ) : Duplicate tradeline 1681i ( a ) : Failure to remove after prior dispute 1681c ( a ) : Potential outdated tradeline based on last activity ( XX/XX/XXXX ) FCRA Action Demanded : Under FCRA 611, I am requesting that you : 1. Conduct a full reinvestigation of the accounts listed above 2. Provide written documentation from the original creditors verifying the data 3. Remove or correct any accounts that can not be verified or are outdated 4. Provide a written response and updated credit report within 30 days

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 2025-04-02 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:
XXXX XXXX XXXXXXXX Reports as Open and Current but shows XXXX late payments within less than 12 months of activity If current, lates must be verified and reported correctly otherwise this is inconsistent and harmful Violations : 1681e ( b ) : Misleading status on active account 1681s-2 ( b ) : Failure to provide verification of lates upon dispute XXXX XXXXXXXX Account shows charge-off, XXXX balance, and note that it was purchased by another lender Account should be removed if sold and unverified you can not charge-off and sell the same debt without validation Violations : 1681e ( b ) : Reporting inaccurate account status 1681s-2 ( b ) : Continued reporting without verification from original creditor 1681c ( a ) ( 4 ) : Potential outdated reporting last payment in XX/XX/XXXX XXXX XXXX Account shows closed and charged-off, but with multiple duplicates and conflicting statuses Also marked purchased by another lender yet still showing as active derogatory Violations : 1681e ( b ) : Duplicate and conflicting data 1681i : Failure to correct upon previous dispute 1681s-2 ( b ) : Continued derogatory status with no validation 1681c ( a ) ( XXXX ) : Outdated derogatory ( last payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance, charge-off, and sale notation This appears to be a duplicate of XXXX, violating max accuracy standards Violations : 1681e ( b ) : Duplicate tradeline 1681i ( a ) : Failure to remove after prior dispute 1681c ( a ) : Potential outdated tradeline based on last activity ( XX/XX/XXXX ) FCRA Action Demanded : Under FCRA 611, I am requesting that you : 1. Conduct a full reinvestigation of the accounts listed above 2. Provide written documentation from the original creditors verifying the data 3. Remove or correct any accounts that can not be verified or are outdated 4. Provide a written response and updated credit report within 30 days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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 am victim of a data breach and identity theft. Kindly block and delete the account within 4 business days as required by FCRA 605B, 15 USC 1681C-2. Please find the attached FTC reports and other relevant 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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I am filing a complaint because my creditor is reporting late payment in my account ending XXXX and that are inaccurate not properly verified, I have disputed directly with the credit bureaus and they furnish but the late payment still remain with documentation un 15USC/1681S2 some furniture must report accurate information under 15 USC 1681I. The credit bureau must perform a reason investigation within 30 day neither of them have provided sufficient evidence supporting the negative reporting is is very important that you with the proper XXXX dispute.pute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I keep trying to dispute but the company is not allowing me to.

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 2025-04-02 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: PA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-04-02 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously filed a complaint with the CFPB regarding unauthorized inquiries on my credit report that Experian failed to remove. XXXX reviewed the same dispute and removed the inquiries, yet Experian refuses to do the same. 
Under the Fair Credit Reporting Act ( FCRA ), Experian is legally required to investigate disputes and provide supporting documentation for their decision. However, Experian has : 1. Failed to provide any proof that an investigation was conducted.

2. Refused to provide me with any documentation supporting their decision.

3. Ignored clear evidence that XXXX used to remove the same unauthorized inquiries. 
Experian 's refusal to comply with federal law is a blatant violation of my consumer rights! 

I request that the CFPB take immediate action to : 1. Force Experian to provide proof of their so-called " investigation. '' 2. Remove the unauthorized inquiries immediately, as XXXX has already done. 
XXXX. Investigate Experian for failure to comply 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 explanation
Consumer complaint received 2025-04-02 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: IL

Complaint narrative:
EQUIFAX has responded to my complaint not addressing this issue which is just a prolonging method of their 's I've sent disputes stating the Inaccuracies, also two pieces of identity such as my government issued ID, and Social security card. I will attach the letter I received from you'll which doesn't address these inaccuracies on my credit report which are in violation of the FCRA. The Fair Credit Reporting Act ( FCRA ), codified as 15 U.S.C. 1681 et seq., governs consumer credit reporting and includes provisions related to collections, particularly concerning the reporting of delinquent accounts and the accuracy of information in consumer reports. Credit Agencies must notify the Consumer when they're reporting accounts to their reports. EQUIFAX has violated my rights as the consumer and also the FCRA " DEPT XXXX '' reporting discrepancies on my report being that my personal information, and financial data has been obtained in the breech along with XXXX XXXX which is in fact a violation. he has obtained many consumers personal information along with financial data. Unions and privacy advocates are using XXXX XXXX " Department of Government Efficiency '' ( DOGE ) and the U.S Office of personnel management ( OPM ) to stop the disclosure of millions of Americans private data alleging violation of the Privacy act and the misuse of sensitive information. My rights and personal information weren't protected. Equifax as the credit agency allowed this, and continued to report this onto my credit report. Also Equifax is reporting an account as open when it's in fact closed " XXXX XXXX '' which concludes as an inaccuracy. I requested validation of this alleged debt that's reporting on my report, along with a disclosure with my signature if this can't be given I ask that this closed account be removed from my credit report. according to the FCRA this account is under litigation FCRA section 605b it is illegal to report information on my credit report without my consent or permission as it is a violation. I did not give this company/CRA Equifax permission to affect my credit worthiness. I ask that My student loan debt be cancelled effectively, and the inaccuracies based off the account I've mentioned above to be investigated and updated Immediately. I ask that updated credit report be issued once the changes have been made. Thank you for taking this important matter into consideration XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2000.00}, XXXX XXXX XXXX Balance : {$420.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2000.00}, XXXX XXXX XXXX Balance : {$420.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-04-02 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: WI

Complaint narrative:
Transunion XXXX XXXX XXXX  XXXX, Pa XXXX Subject : Dispute of Inaccurate Credit Reporting under FCRA XXXX XXXX XXXX Reference Chart # 3 To Whom It May Concern, I am writing to formally dispute the accuracy and completeness of certain accounts currently reported on my credit report. 
In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request immediate investigation and removal of the items listed in the attached XXXX XXXX Compliance Violation Chart ( Chart # 3 ). 
Upon review, I have identified several XXXX XXXX formatting violations and data integrity issues, which are in direct conflict with : - FCRA 15 U.S.C. 1681s-2 ( b ) : Incomplete or inaccurate data reporting - FCRA 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to assure maximum accuracy - FCRA 15 U.S.C. 1681i ( a ) : Failure to correct or delete unverifiable information - XXXX XXXX XXXX Format Standards : Incomplete reporting of mandatory data fields Each violation listed is subject to statutory damages of {$1000.00} per instance under 15 U.S.C. 1681n and 1681o. 
As such, I am requesting that you remove these accounts from my credit file immediately and confirm their deletion in writing within 30 days, per FCRA guidelines. 
XXXX XXXX Compliance Violation Chart Reference # 3 s Please consider this letter as a formal dispute under the FCRA. I expect a full investigation and response within 30 days, as required by federal law. 
Sincerely, 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 2025-04-02 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: AZ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-02 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: PA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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