vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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: CA

Complaint narrative:
For the past XXXX months, I have been disputing unauthorized tradelines and inquiries appearing on my TransUnion credit file. Despite multiple written disputes, TransUnion has blatantly ignored the requirements of the Fair Credit Reporting Act ( FCRA ) by verifying these accounts without providing any supporting documentation, certification of permissible purpose, or evidence that the reported accounts are accurate. 

Specifically, I have disputed the following tradelines : XXXX XXXXXXXX XXXX XXXXXXXX # XXXX ( last updated XX/XX/XXXX ) XXXXXXXX XXXX # XXXX ( last updated XX/XX/XXXX ) TransUnion has repeatedly marked these items as verified without : Supplying written certification of permissible purpose as required under FCRA 604 ( f ), 15 U.S.C. 1681b ( f ).

Conducting a reasonable reinvestigation within the 30-day statutory period under FCRA 611 ( a ) ( 1 ).

Deleting unverifiable information as required by 611 ( a ) ( 5 ). 

XXXX  has already deleted the exact same accounts after my dispute, demonstrating that TransUnions continued reporting is inaccurate, unreliable, and harmful. 

Violation of Consumer Rights TransUnions actions violate the following FCRA provisions : 604 ( f ) / 15 U.S.C. 1681b ( f ) : No consumer report shall be furnished without permissible purpose.

611 ( a ) / 15 U.S.C. 1681i : Obligation to investigate disputed information within 30 days.

611 ( a ) ( 5 ) : Duty to delete information that can not be verified.

616 & 617 / 15 U.S.C. 1681n, 1681o : Liability for willful and negligent noncompliance. 

Case law such as XXXX v. XXXX XXXXXXXX XXXX ( XXXX Cir. XXXX ) establishes that accessing a consumers report without permissible purpose is itself a violation. XXXX XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX ) further confirms that reckless disregard of FCRA obligations constitutes willful noncompliance. 

Consumer Harm As a result of TransUnions failure to follow the law : My credit file continues to contain inaccurate and unverifiable tradelines, damaging my creditworthiness.

I have been forced to spend significant time and resources sending multiple disputes, only to receive dismissive and unlawful verification responses.

My ability to secure fair credit terms has been impaired.

I have suffered stress and reputational harm from TransUnions reckless disregard for compliance.

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 2025-09-25 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: NM

Complaint narrative:
Experian is not responding to any of my numerous requests to investigate, verify and remove XXXX account from my consumer credit report that doesn't belong to me.

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 2025-09-25 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:
Equifax and experian supposed to removed the two negative credit accounts off my experian and equifax reports when theirs a federal trade commission identity report on file the item supposed to be removed social security number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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 have no association with these inquiries or the creditors listed and request their prompt removal from my credit 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 2025-09-25 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: PA

Complaint narrative:
Recently, I was notified of a fraudulent account that was sent to collections. This account was originated by XXXX and sent to collections with XXXX XXXX XXXX for XXXX being provided to a XXXX  address XXXX 

I do not live in XXXX, have no XXXX  address or residence, and do not have any accounts with XXXX. As such, I created an online dispute with Experian and contacted XXXX XXXX XXXX to request that the account be flagged as fraudulent. Additionally, a police report was filed with my local police department. 

However, in less than XXXX hours, Equifax responded to my dispute, notifying me that the information had been verified and that my investigation was closed. Although XXXX XXXX XXXX verified today, the account is under investigation for 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 explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 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 explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MA

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 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 2025-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Collection Bureau, Inc.
State: FL

Complaint narrative:
XXXX has not sent notification of assignment of dead as outlined in the Florida consumer credit protection act prior to initiating collection activities. When united collections Bureau was notified that this has not been previously distributed through another collection agency which never submitted the validation of debt paperwork to myself within the 30 days when I contacted them on XX/XX/XXXX, the collector that I spoke with became very rude and very belligerent And hardly let me get a word in edgewise. As outlined in the federal law, when validation of debt is not sent within the 30 day mandated timeframe, the debt is negated and not able to be collected by any future company. XXXX XXXX XXXX should be ashamed of themselves for trying to send it to you a more aggressive collection to see that obviously doesnt care about following the fair deck collection practices act given the communication tactics that united XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX, I reported fraudulent transactions to BOA, and only recently was I partially reimbursed for those charges. The total claim amount I reported was XXXX All of these fraudulent transactions occurred during the same period with the same merchant. However, the final reimbursement did not cover the full amount, leaving {XXXX unpaid. I previously noted that I am willing to provide any supporting documentation required for the investigation, but despite this, the full amount was not refunded without any clear explanation. Since it has been very difficult to reach the representative assigned to my case, I am writing again to request that a further investigation be conducted regarding the remaining unpaid amount.

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 monetary relief
Consumer complaint received 2025-09-25 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 explanation
Consumer complaint received 2025-09-25 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: CA

Complaint narrative:
Regarding my Transunion Credit Report : I was reviewing my Transunion credit report and found that it contained negative information associated with identity theft along with incorrect personal information. I was a victim of identity theft because my Personal identifying information along with my credit card information were compromised from the following data breaches that occurred with Equifax, XXXX, XXXX, XXXX, and XXXX. As a result suspicious and unexpected activity occurred on several of my credit card accounts. XXXX alerted me and changed my card information to protect me, while XXXX closed my accounts due to the activity without explanation. My credit report also contains hard inquires that I did not initiate along with incorrect personal information such as my name and addresses that are not mine. Please remove these accounts along with the hard inquires on my credit report that were due to fraudulent activities and correct my personal information because this has prevented me from obtaining lines of credit and loans.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I was scammed this morning by someone who said they were with Experian. After I contacted my bank they advised me to contact Experian to freeze my credit. Experian does not have a live person I can talk to. All I get are " can not verify you identity messages '' and will not let me speak to anyone to prove my identity. I just do not know how to contact them and prove I am who I am..... Please help....

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 2025-09-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
A fraudulent account has been placed on my credit report without my knowledge or consent. I have never applied for or opened this account, and I have no business relationship with the creditor involved. Its reporting is damaging my credit and misrepresenting my financial behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
NATIONAL CREDIT SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am filing this complaint because my credit file continues to display unauthorized hard inquiries that were made without my knowledge or consent.

Under the Fair Credit Reporting Act ( FCRA ), Section 1681b ( a ) ( 3 ) ( A ), a permissible purpose is required for any hard inquiry. None of these inquiries were authorized by me, nor were they connected to any legitimate extension of credit. Their continued presence on my report is therefore a direct violation of federal law. 

The following inquiries are unauthorized and must be permanently deleted : XXXX XXXX XX/XX/year> I have already disputed these items directly with Equifax, providing both my written dispute and a copy of my official FTC Identity Theft Report ( Report Number : XXXX ). Despite my compliance with the legal process, the bureau has failed to block and remove these inquiries as required under FCRA Section 605B ( 15 U.S.C. 1681c-2 ).

This non-compliance has caused measurable harm to my financial life : My credit score remains artificially low due to inquiries I never authorized. 

I am being denied credit opportunities. 

When I do receive approvals, I face higher interest rates and less favorable terms. 

These violations have placed me at risk of further identity theft and financial damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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 submitting this complaint regarding serious inaccuracies and fraudulent reporting on my Transunion credit report, violating my rights under the Fair Credit Reporting Act ( FCRA ). Transunion has reported multiple closed accounts and hard inquiries that are fraudulent and unauthorized, including accounts from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, as well as inquiries by XXXX XXXX XXXX XXXXXXXX XXXX I have formally disputed these with Transunion and submitted a self-attestation letter affirming these accounts were not authorized by me. Under the FCRA, I have the right to dispute inaccurate information and expect a prompt and thorough reinvestigation. Transunion has failed to remove fraudulent accounts despite clear notice and proof, causing ongoing harm to my credit profile. I am requesting CFPB intervention to ensure Transunion immediately deletes all fraudulent entries and inquiries and complies with FCRA requirements. Thank you for your urgent attention to this matter.

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 2025-09-25 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: TN

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, XXXX XXXX Subject : Formal Complaint Regarding Improper Credit Reporting and Privacy Act Violation Dear CFPB, I am writing to file a formal complaint regarding the continued reporting of a bankruptcy account that has been improperly verified by the credit bureaus despite multiple disputes. 

The credit bureaus have repeatedly stated that the account has been verified. However, upon contacting the Bankruptcy Court directly, I was informed that they do not verify consumer credit information. The bureaus later claimed verification through XXXX. This is highly concerning as I opted out of XXXX reporting on my consumer file in XXXX of last year. 

This conduct constitutes a clear violation of my consumer rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681, Section A4 ), which protects against the improper handling and reporting of personal information. Continuing to report and verify an account in this manner is not only inaccurate but also a violation of my privacy rights.

I am demanding that this account be removed from all credit bureau reports within 24 hours. If corrective action is not taken, I will have no choice but to pursue further legal remedies, including filing suit for damages and violations of my rights under federal law. 

Please investigate this matter immediately and confirm in writing the steps being taken to ensure 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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your reference.

Company response to consumer: Closed with explanation