vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter serves as a formal follow-up to my previous correspondence regarding your agency 's ongoing refusal to comply with the Fair Credit Reporting Act ( FCRA ), specifically in connection with my properly filed identity theft report submitted through XXXX. 

To date, your agency has not provided any satisfactory justification for rejecting this report, nor have you taken the necessary steps to investigate or remove the clearly fraudulent accounts listed below from my credit file. As reiterated in my prior letter, federal lawincluding FCRA Section 605B and Section 617requires you to accept valid identity theft reports from consumers, including those submitted through the Federal Trade Commissions IdentityTheft.gov platform. Nowhere does the law require that such reports originate solely from a law enforcement agency.

Your continued rejection of my legally sufficient identity theft affidavit is not only unsupported by federal law but also constitutes willful noncompliance with the FCRA. This failure to act in accordance with clearly established legal procedures and CFPB guidance reflects blatant disregard for my rights as a consumer and victim of identity theft. Let me be clear : This is your final notice. You are in violation of federal law by continuing to report and verify accounts that were opened fraudulently and which I have already disputed with appropriate documentation.

If I do not receive confirmation within 15 calendar days that these accounts have been permanently removed and that my credit file has been updated to reflect the resolution of this matter, I will proceed to : 1.File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General.

2.Initiate legal action for your violations of FCRA Section 617 and for any damages sustained as a result of your unlawful reporting and failure to investigate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

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 explanation
Consumer complaint received 2025-04-24 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: CT

Complaint narrative:
I am writing to formally dispute an item on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i. The account in question, # XXXX, is being reported as a current delinquent or outstanding debt. However, I received a Form 1099-C, Cancellation of Debt, from the original creditor, indicating that this debt was canceled and is no longer legally collectible. 
According to IRS regulations, when a creditor issues a 1099-C, it means they have discharged the debt for tax purposes and no longer expect to collect it. Continuing to report this canceled debt as active, delinquent, or charged-off on my credit report is inaccurate and misleading. 
Furthermore, under Connecticut law, specifically XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. ( the Connecticut Consumer Collection Practices Act ), continued collection activity or negative credit reporting on a canceled debt may be considered an unfair or deceptive practice. Once a debt has been discharged and reported to the IRS, it should not appear as collectible or outstanding in a consumer 's credit profile. 
I have enclosed a copy of the 1099-C form as proof of the debt cancellation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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 lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-04-24 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: TX

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have tried to remove at least seven accounts from the three different credit bureaus some have removed them and then other credit bureaus have continue to leave them out there, even though I had an identity theft

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 2025-04-24 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: TX

Complaint narrative:
I'm not receiving my funds it's someone that has my account link to there's and everything there's a deposit I never received them in my account my money us going else where

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 2025-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have contacted Trans Union via certified mail and filed MULTIPLE disputes however they have failed to investigate advising they have previously investigated the dispute, and information was verified, therefore there was NO reason to reinvestigate the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX in which I do NOT and have NEVER entered into an account with. XXXX and TransUnion has failed to respond to requests.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I recently filed a dispute with the credit reporting companies ( TransUnion, Equifax, and Experian ) regarding a collection account from XXXX XXXX. The result of that dispute ( Reference # : XXXX ) clearly stated that the account was deleted from my credit file. However, as of today, the XXXX XXXX account is still appearing on my credit report. This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, as Equifax is inaccurately reporting the results of a reinvestigation. 

Additionally, there are two collection accounts on my credit report one from XXXX XXXX XXXX and one from XXXX XXXX XXXX that I am unable to dispute through any online dispute center. These accounts are actively affecting my credit, yet the credit reporting companies have provided no accessible method for me to challenge their accuracy. This denies me my right under the FCRA to dispute any item in my report. 

I am requesting : Immediate removal of the XXXX XXXX collection from my credit file per the dispute outcome. 
That the credit reporting companies provide the ability to dispute the XXXX XXXX and XXXX XXXX accounts, or remove them if they can not be properly validated. 

I have screenshots and documentation of all the above. Please investigate this matter and compel the credit reporting companies to comply with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I recently filed a dispute with the credit reporting companies ( TransUnion, Equifax, and Experian ) regarding a collection account from XXXX XXXX. The result of that dispute ( Reference # : XXXX ) clearly stated that the account was deleted from my credit file. However, as of today, the XXXX XXXX account is still appearing on my credit report. This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, as Equifax is inaccurately reporting the results of a reinvestigation. 

Additionally, there are two collection accounts on my credit report one from XXXX XXXX XXXX and one from XXXX XXXX XXXX that I am unable to dispute through any online dispute center. These accounts are actively affecting my credit, yet the credit reporting companies have provided no accessible method for me to challenge their accuracy. This denies me my right under the FCRA to dispute any item in my report. 

I am requesting : Immediate removal of the XXXX XXXX collection from my credit file per the dispute outcome. 
That the credit reporting companies provide the ability to dispute the XXXX XXXX and XXXX XXXX accounts, or remove them if they can not be properly validated. 

I have screenshots and documentation of all the above. Please investigate this matter and compel the credit reporting companies to comply with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Affirm Holdings, Inc
State: SC

Complaint narrative:
My complaint is against affirm a company that allows you to make purchases and go on a payment plan using your credit card as payment every two weeks every month up to a certain amount they give you purchasing power I started at XXXX got up to XXXX and drop down to XXXX you can purchase through their app with selected stores and have multiple payments using your credit card to pay on the account payment dates are set up you can pay ahead or pay it off and have multiple accounts with different stores my calendar is current I paid off multiple accounts and my account is paid up in the future on current account every time you go to a store and want to purchase items you have to apply with the firm to get approval when you have purchasing power available to you and shown inaccurate denials from the company not allowing me to purchase and changing purchasing power to XXXX and changing notices when applying such as payment history with a firm is the reason why I was denied my payment history is current in immaculate and paid up sooner than later and it's accurate every time you apply at a store using a firm you do a soft hit and counts as an inquiry on your credit all payments are reported to the credit agency XXXX  and possible other credit agencies I don't need to make a {$60.00} purchase using a firm and they secure it with my credit card why don't I just pay with my credit card and I have to make an inquiry every time I apply this is unfair credit practices in this needs to be addressed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Medical debt has been reported to Equifax. I disputed this debt, as it is against federal law to report. It was not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: AR

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I am filing this complaint because my federal student loan servicer, XXXX XXXX XXXX XXXX reported thirteen 90-day late payments to the credit bureaus in XX/XX/2025 without properly notifying me. These accounts were under federal forbearance, and I was never mailed any late notices. The servicer stated I was enrolled in email-only notifications, which I did not knowingly agree to. 

Account Number : XXXX Reported Balance : {$2200.00} Account Number : XXXX Reported Balance : {$6500.00} Account Number : XXXX Reported Balance : {$2200.00} Account Number : XXXX Reported Balance : {$2700.00} Account Number : XXXX Reported Balance : {$2000.00} Account Number : XXXX Reported Balance : {$10000.00} Account Number : XXXX Reported Balance : {$4200.00} Account Number : XXXX Reported Balance : {$6300.00} Account Number : XXXX Reported Balance : {$16.00} Account Number : XXXX Reported Balance : {$4900.00} Account Number : XXXX Reported Balance : {$3500.00} Account Number : XXXX Reported Balance : {$2500.00} Account Number : XXXX Reported Balance : {$250.00} These inaccurate entries have significantly damaged my credit score. I am requesting that CFPB require the credit bureaus to delete these late payments and hold the data furnisher accountable under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 ( b ).

I have mailed dispute letters with verification documents and request an investigation and complete removal of these harmful and inaccurate entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Ive requested a credit line increase with my bank provider capital one and was denied and ineligible due to my report delinquency and false accusations I have the full report from capital one stating false accusations regarding my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-04-24 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: VA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 2025-04-24 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:
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 explanation
Consumer complaint received 2025-04-24 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: CA

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 response to consumer: Closed with explanation