vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-03 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: NC

Complaint narrative:
I'm writing to communicate my XXXX in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and 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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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 am filing a formal complaint regarding unauthorized accounts on my credit report that continue to appear despite my attempts to have them removed. These accounts violate 15 USC XXXXb, as there is no permissible purpose for reporting them without my consent. I believe these accounts stem from my personal information being compromised in the Equifax data breach. The ongoing presence of these fraudulent accounts is causing significant harm to my credit and financial well-being. I request immediate investigation and removal of these accounts. If this matter is not resolved promptly. Please find attached documentation related to the disputed accounts.

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 2025-03-03 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 am filing a formal complaint regarding unauthorized accounts on my credit report that continue to appear despite my attempts to have them removed. These accounts violate 15 USC XXXXb, as there is no permissible purpose for reporting them without my consent. I believe these accounts stem from my personal information being compromised in the Equifax data breach. The ongoing presence of these fraudulent accounts is causing significant harm to my credit and financial well-being. I request immediate investigation and removal of these accounts. If this matter is not resolved promptly. Please find attached documentation related to the disputed accounts.

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 2025-03-03 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: IL

Complaint narrative:
Equifax, I am writing to formally dispute an unauthorized credit inquiry that appears on my credit report. Upon reviewing my credit file, I noticed an inquiry from XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX XXXX XXXX XXXX  which I did not authorize. 

Under the Fair Credit Reporting Act ( FCRA ) Section 604 ( 15 U.S. Code 1681b ), credit inquiries require permissible purpose and explicit consumer authorization. Since I did not provide consent for this inquiry, I am requesting its removal under FCRA Section 611 ( 15 U.S. Code 1681i ) due to inaccuracy. 

Please conduct an investigation into this matter and provide me with the following : 1. Proof of my authorization for this inquiry.

2. The name of the individual or entity that requested and approved the inquiry If the inquiry can not be verified, I demand its immediate removal from my credit report. I expect a response within 30 days, as required by the FCRA. Please send me written confirmation of the results of your investigation. 
Enclosed, I have included a copy of my driver 's license, proof of address Thanks you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
All accounts I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : My academic records and personally identifiable information ( PII ).

My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

My IRS tax transcripts, which were obtained and used without proper authorization.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-03 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: GA

Complaint narrative:
Experian Dispute Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear Experian Dispute Department, I am writing to formally dispute inaccurate information on my credit report. Despite previous dispute attempts, incorrect data remains on my report, violating my rights under the Fair Credit Reporting Act ( FCRA ). I would like to bring to your attention that the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian for failing to correct disputed inaccuracies and engaging in unfair reporting practices. The same issues highlighted in that lawsuit are affecting my credit report. 



The following items on my credit report are inaccurate and must be corrected immediately : XXXX XXXX currently in active litigation and multiple accounts that are past the 7 yr reporting mark.

Additionally, I have identified expired accounts that exceed the seven-year reporting limit under 15 U.S.C. 1681c ( a ) ( 5 ) of the Fair Credit Reporting Act. These accounts must be removed immediately, as they violate federal law and should no longer appear on my credit report. 



Furthermore, my report contains accounts that are currently in litigation. Under 15 U.S.C. 1692e ( 8 ) of the Fair Debt Collection Practices Act, it is unlawful for Experian or any reporting agency to include accounts in active litigation. By continuing to report these accounts, Experian is in direct violation of federal consumer protection laws. These accounts must be Under the FCRA, you are required to investigate and correct any inaccuracies within 30days If these errors are not corrected, I am prepared to escalate this matter to the CFPB and seek legal remedies for Experian 's failure to comply with consumer protection laws. Please provide a written confirmation once the disputed information has been corrected or removed. 



I appreciate your prompt attention to this matter. You may contact me at the information provided above should you require further clarification. 



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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 a personal credit card account opened at XXXXXXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$460.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: NY

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

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 2025-03-03 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am submitting this formal dispute regarding outdated addresses that continue to appear on my EXPERIAN credit report, despite the fact that I no longer reside at any of these locations. Under the Fair Credit Reporting Act ( FCRA ) 609 and 611, I am requesting an immediate investigation and removal of these obsolete addresses as they are no longer accurate, relevant, or associated with my current financial activity. 

Disputed Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA 609 ( a ) ( 1 ) As a consumer, I have the right to request all information maintained in my credit file and dispute any inaccurate, outdated, or unverifiable data. Since I no longer reside at these addresses, they are no longer relevant or necessary for reporting.

FCRA 611 ( a ) ( 1 ) ( A ) The credit bureaus are required to conduct a reinvestigation of any disputed information within 30 days. If the disputed information can not be verified as accurate, it must be deleted from my credit file immediately.

FCRA 604 ( a ) ( 2 ) Credit reports should contain only necessary and relevant consumer information. Outdated addresses may lead to potential errors, identity confusion, and incorrect reporting.

Please confirm receipt of this dispute and provide a written response regarding the actions taken. Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX dr. XXXX XXXX, NC, 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 2025-03-03 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: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
I did not sign a contract with this company or gave them authorization to run my credit

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Demand for Immediate Deletion of Inaccurate Account Account Name : XXXX XXXX XXXX  XXXX XXXX XXXX. 
Account Number : XXXX I am demanding the immediate deletion of the above-referenced account from my credit file due to multiple reporting discrepancies that violate the Fair Credit Reporting Act ( FCRA 15 U.S.C XXXX ). The information reported by Equifax, TransUnion, and Experian is inconsistent, inaccurate, and unverifiable, making this account invalid under FCRA XXXX ( a ) ( XXXX ) ( A ). 

Discrepancies Between Equifax, TransUnion, and Experian Reports : XXXX. Different Account Types : Equifax : Line of Credit TransUnion : Overdraft / Reserve Checking Account Experian : Line of Credit XXXX. Different Balance Updates : Equifax : XX/XX/XXXX TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX XXXX. Different Statuses and Charge-Off Amounts : Equifax : Charge-Off ( No Amount Listed ) TransUnion : Charged Off as Bad Debt ( Profit and Loss Write-Off ) Experian : Charge-Off with {$74.00} Written Off and {$74.00} Past Due as of XX/XX/XXXX XXXX. Different Past Due Amounts : Equifax : {$0.00} Past Due TransUnion : {$0.00} Past Due Experian : {$74.00} Past Due XXXX. Payment History Reporting Issues : Equifax : Reports exceptional payment history with no missed payments but still lists the account as a charge-off, which is a contradiction. 
TransUnion : No payment history displayed at all. 
Experian : XXXX XXXX, XXXX, XXXX, XXXX, and XXXX  days late, which conflicts with Equifax and TransUnions reporting. 
XXXX. Status Update Date Manipulation : Equifax : XX/XX/XXXX TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX This re-aging of the account violates FCRA XXXX ( a ) ( XXXX ) and FCRA XXXX ( a ) ( XXXX ) ( A ), as charged-off accounts can not be updated to extend their reporting period. 

These discrepancies violate FCRA XXXX ( b ), which requires only accurate and verifiable information to be reported. Since the bureaus can not even agree on the basic details of this account, the information is clearly unreliable and must be deleted immediately under FCRA XXXX ( a ) ( XXXX ) ( A ). 

I am not requesting an investigationI am demanding immediate deletion of this account from my credit report. If this request is not honored, I will escalate my complaint to the Federal Trade Commission ( FTC ), and potentially pursue legal action for noncompliance with the FCRA. 

Failure to comply with federal reporting laws may result in legal action against the credit bureaus and the data furnisher for willful noncompliance under FCRA XXXX, entitling me to statutory damages, actual damages, and attorney fees. 
Please provide written confirmation of deletion within XXXX days, as required by 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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I was involved in data breach and according to statue and law. I deserve to have anything that is report negativity on my credit reports removed within 30 days. 
I am requesting that now. Remove all negativity on my credit reports ( Experian, Equifax, and TransUnion ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I was involved in data breach and according to statue and law. I deserve to have anything that is report negativity on my credit reports removed within 30 days. 
I am requesting that now. Remove all negativity on my credit reports ( Experian, Equifax, and TransUnion ).

Company response to consumer: Closed with explanation