vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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: NC

Complaint narrative:
I am submitting this dispute because my TransUnion credit report contains possible inaccuracies and unauthorized inquiries. As a consumer who is diligently monitoring and rebuilding my credit, I want to ensure that my file is 100 % accurate and complies with all FCRA requirements. I respectfully request that TransUnion perform a thorough reinvestigation of all listed accounts and inquiries and provide me with written documentation verifying each items accuracy. 

Charged Off Accounts : No charged-off accounts are shown at this time. Please confirm that no re-aged or obsolete accounts remain in my file. 

Inquiries : XXXX, XXXX dated XX/XX/year> I do not recall authorizing this inquiry. Please confirm that this inquiry was made for a permissible purpose under FCRA 604. If not verifiable, it should be removed immediately. 

Late Payments : The following accounts show late payments that may be incorrectly reported or unverifiable : XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX  XXXX XXXX, Account # XXXX XXXX XXXX, Account # 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 2025-11-11 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 have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 explanation
Consumer complaint received 2025-11-11 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: FL

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Police Report ( Police Report Number : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days. 
The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXXXXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of one year, with the option to extend if needed. During this period, no information related to this account may be reported. 

I have made multiple attempts to contact TRANSUNION to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
It's important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal andfinancialharm.

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 2025-11-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
This collection account is being reported inaccurately and in violation of the FDCPA and FCRA. The collector did not provide any written validation of the debt within 5 days of initial contact, as required by 15 USC 1692g. The account was added to my credit report without providing proper validation, verification, or documentation proving the balance, ownership, or legal right to collect. 

The dates, amounts, and reporting details are inconsistent and do not match the original creditors information. I have not received any legally required notice of debt, nor has the collector proven that the amount is accurate or that they have the right to report it. This misleading reporting is harmful and constitutes false representation. 

I am requesting a full investigation and removal of the account from all credit bureaus due to lack of proper validation and inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

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 non-monetary relief
Consumer complaint received 2025-11-11 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: GA

Complaint narrative:
Complainant : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, GA XXXX Date of Birth : XXXX XXXX ( Last XXXX ) : XXXX Credit Report Date : XX/XX/XXXX Submission Date : XX/XX/XXXX Statement : I am submitting this complaint because multiple unauthorized hard inquiries have been placed on my credit report without my consent. These inquiries negatively affect my credit score and were not the result of any application for credit or service that I initiated. Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ), a consumer reporting agency may only provide a credit report if there is a permissible purpose, and such inquiries must be authorized by the consumer. 

I have not authorized these inquiries and demand they be removed as they are a violation of my rights under FCRA. I attempted to resolve this directly with the credit bureaus but have not received a response. Therefore, I am requesting the CFPB 's assistance to ensure compliance and prompt resolution. 

List of Disputed Inquiries : - XXXX XXXX  on XX/XX/XXXX | Bureau : Experian - XXXX on XX/XX/XXXX | Bureau : Equifax XXXX XXXX XXXX on XX/XX/XXXX | Bureau : Equifax - XXXX XXXX on XX/XX/XXXX | Bureau : TransUnion - XXXX XXXX XXXX on XX/XX/XXXX | Bureau : TransUnion - XXXX XXXX on XX/XX/XXXX | Bureau : TransUnion XXXX XXXX XXXX XXXX on XX/XX/XXXX | Bureau : Experian - XXXX XXXX XXXX on XX/XX/XXXX | Bureau : Experian - XXXXXXXX XXXX on XX/XX/XXXX | Bureau : Experian - XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX | Bureau : Experian - XXXX XXXX on XX/XX/XXXX | Bureau : Experian - XXXX XXXX XXXX XXXX XX/XX/XXXX | XXXX : Experian - XXXX XXXX XXXX on XX/XX/XXXX | Bureau : Experian - AN # XXXX on XX/XX/XXXX | Bureau : Equifax - XXXX on XX/XX/XXXX | XXXX : Equifax - XXXX on XX/XX/XXXX | XXXX : Equifax - XXXX on XX/XX/XXXX | XXXX : Equifax - XXXX on XX/XX/XXXX | XXXX : Equifax - XXXX on XX/XX/XXXX | XXXX : Equifax - XXXX on XX/XX/XXXX | XXXX : Equifax - XXXX XXXX XXXX  on XX/XX/XXXX | Bureau : Experian - XXXX on XX/XX/XXXX | Bureau : Equifax - XXXX on XX/XX/XXXX | XXXX : Equifax - XXXX on XX/XX/XXXX | XXXX : Equifax Requested Relief : - Immediate deletion of all unauthorized inquiries from my credit reports with Experian, Equifax, and TransUnion . 
- Investigation into how these inquiries were initiated without permissible purpose. 
- Written verification of the outcome, and assurance that my consumer rights under FCRA are protected moving forward.

Attachments : - Copy of my government-issued ID - Proof of current address ( utility bill or bank statement ) - Copy of my credit report showing the disputed inquiries - Prior dispute letters sent to credit bureaus ( if available ) I respectfully request this complaint be reviewed and resolved promptly. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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 am writing to formally dispute the inaccuracies on my credit report regarding the following accounts. These disputes pertain to charged-off accounts, which I believe to be incomplete, inaccurate, or improperly reported. These discrepancies violate the Fair Credit Reporting Act ( FCRA ), which mandates that all information provided by credit reporting agencies must be accurate, timely, and complete. 


Charged-Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00} Dispute Reason : The account is inaccurately reported. I request a detailed review and verification of this account to ensure accuracy. Failure to provide sufficient documentation or to rectify the error violates FCRA 607, which requires accuracy and completeness of information. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Dispute Reason : This account is being reported with a balance that does not reflect the correct payment history or account status. Please investigate and correct any discrepancies, as per FCRA 609. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Dispute Reason : The status of this account appears to be inaccurately reported, including the date of last payment. I request a full review and update of the account in accordance with FCRA 605. 

XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} Dispute Reason : This account shows discrepancies in reporting the payment history. Under FCRA 623, creditors are required to accurately report the status of all accounts. I request verification and correction of this account. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$820.00} Dispute Reason : There is a possibility that this account is being inaccurately reported as a charged-off account. Given that this account does not match the reporting requirements, I ask for a full investigation.

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 2025-11-11 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: MD

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-11 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: Early Warning Services, LLC
State: AL

Complaint narrative:
I am submitting this complaint because Early Warning Services ( EWS ) has improperly rescinded a valid identity theft block and reinstated fraudulent information provided by XXXX XXXX  to my consumer report. 

On XX/XX/year>, Early Warning confirmed that it had successfully blocked information in my consumer file after receiving my verified identity theft documentation. However, on XX/XX/year>, I received a letter from EWS stating that the block was rescinded and that the information furnished by XXXX XXXX  was being reinserted. 

This decision is incorrect and violates my rights under the Fair Credit Reporting Act ( FCRA 605B ). 
The XXXX XXXX  account and transactions in question were the direct result of identity theft, as supported by official documentation I have already provided to EWS and other credit bureaus, including : XXXX Police Department Report # XXXX FTC Identity Theft Report Government-issued identification Proof of current address ( utility bill ) Background I am the victim of identity theft that resulted in unauthorized activity under my XXXX XXXX  account XXXX including fraudulent debit card charges which led to the account being closed. 
EWS initially honored my identity theft block, but without any communication or valid reason, they later determined the information furnished by XXXX XXXX  is accurate and complete. 

This determination is factually and legally incorrect, as the underlying activity was reported as identity theft, confirmed by police, and acknowledged in prior disputes. 
EWS has provided no evidence or documentation to justify this reversal, nor have they complied with their obligations to notify me under FCRA 605B ( c ) ( 2 ) regarding reinsertion of blocked data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: MI

Complaint narrative:
I am writing to dispute the following information reported on my Experian credit report. I believe these accounts contain inaccuracies or incomplete reporting, and I ask that Experian investigate and correct these discrepancies. 

Charged Off Accounts : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX Date : XX/XX/XXXX Late Payments : XXXX XXXX Account Number : XXXXXXXX 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 explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX I purchased XXXX shares of private stock in XXXX, XXXX. I received an email that day from XXXX saying last chance to purchase. I made this {$3100.00} purchase online with Comenity Bank bread CASHBACK credit card registered with XXXX XXXX. On XX/XX/XXXX I reviewed an " offering circular '' which clearly stated I was not financially qualified to make this purchase. I tried contacting XXXX using phone number on offering circular XXXX several times - would briefly ring busy, then disconnect. On XX/XX/XXXX I called number on Comenity bread card statement starting a dispute for this transaction. On XX/XX/XXXX I responded to letter from credit card company dated XX/XX/XXXX, received by me XX/XX/XXXX. XX/XX/XXXX I sent another letter to credit card company with more details. By phone calls from me I have been told conflicting info : XX/XX/XXXX Dispute in Progress by Bread, XX/XX/XXXX I was told I did not respond to their letter, on XX/XX/XXXX dispute was opened and has gone on, on .. On XX/XX/XXXX I sent all info previously submitted by me by certificate of mail. On XX/XX/XXXX customer service rep said no information received from me. On XX/XX/XXXX XXXX XXXX said no info received from me. Please help me. Never received stock or acknowledgment from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: AR

Complaint narrative:
I am submitting this dispute regarding inaccurate and unverifiable information on my TransUnion credit report. Please reinvestigate and provide confirmation of the following items. 

XXXX Accounts in Dispute : XXXX, Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX, XXXX : {$180.00} I am requesting full verification of these charge-offs or their deletion if they can not be substantiated. 

Inquiries in Dispute : I do not recall authorizing these inquiries. Please verify or delete them as required by law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payments in Dispute : XXXX XXXXXXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Account XXXX. XXXX XXXX, Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please verify these entries with the furnishers and remove any inaccurate or unverified information. 

Thank you for investigating these matters and providing a written response confirming the results. 

SUMMARY FOR CFPB COMPL

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 2025-11-11 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company 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