vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 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: NJ

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your 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 non-monetary relief
Consumer complaint received 2025-03-20 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-20 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: PA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding the failure of the credit bureausEquifax, Experian, and TransUnionto remove unauthorized credit inquiries from my credit report. As a victim of identity theft, I recently reviewed my credit report and identified three hard inquiries that I did not authorize. These fraudulent inquiries are harming my ability to obtain new credit, and despite my efforts to address this issue, the credit bureaus have not corrected my report. 

On XX/XX/year>, I filed an Identity Theft Report with the Federal Trade Commission ( FTC Report Number : XXXX ), documenting this crime. The unauthorized inquiries I am disputing are as follows : XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  - XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> I am writing to request the immediate removal of these unapproved inquiries from my credit reports maintained by Equifax, Experian, and TransUnion. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate and remove inaccurate or fraudulent information within 30 days of a dispute. These inquiries are clearly fraudulent, as evidenced by my FTC Identity Theft Report, yet they remain on my report, causing ongoing damage to my creditworthiness. 

I urge the CFPB to investigate the credit bureaus handling of this matter and ensure they comply with their legal obligations to correct my credit report. I request that these inquiries be removed within 30 days and that I receive an updated copy of my credit report from each bureau once the corrections are made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: PA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding the failure of the credit bureausEquifax, Experian, and TransUnionto remove unauthorized credit inquiries from my credit report. As a victim of identity theft, I recently reviewed my credit report and identified three hard inquiries that I did not authorize. These fraudulent inquiries are harming my ability to obtain new credit, and despite my efforts to address this issue, the credit bureaus have not corrected my report. 

On XX/XX/year>, I filed an Identity Theft Report with the Federal Trade Commission ( FTC Report Number : XXXX ), documenting this crime. The unauthorized inquiries I am disputing are as follows : XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  - XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> I am writing to request the immediate removal of these unapproved inquiries from my credit reports maintained by Equifax, Experian, and TransUnion. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate and remove inaccurate or fraudulent information within 30 days of a dispute. These inquiries are clearly fraudulent, as evidenced by my FTC Identity Theft Report, yet they remain on my report, causing ongoing damage to my creditworthiness. 

I urge the CFPB to investigate the credit bureaus handling of this matter and ensure they comply with their legal obligations to correct my credit report. I request that these inquiries be removed within 30 days and that I receive an updated copy of my credit report from each bureau once the corrections are made.

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 2025-03-20 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: LA

Complaint narrative:
Dear CFPB, I am writing to formally submit a complaint regarding inaccuracies in my credit report related to my account with XXXX  XXXX XXXX XXXX, which I believe violate the Fair Credit Reporting Act ( FCRA ). Below are the specific details of my complaint. 
Account Information : Account Number : XXXX Account Type : Installment Account / Secured Loan Credit Reporting Agencies Involved : TransUnion, Experian, Equifax Details of the Complaint : 1. Inconsistent Reporting of Account Status and Dates : The account is reported as " Closed '' with both TransUnion and Experian. However, the " Date Opened '' is listed as " XX/XX/XXXX '' with TransUnion and " XX/XX/XXXX '' with Experian. This inconsistency creates confusion regarding the account 's history. 
XXXX. Different Payment Terms : The payment frequency is reported as " Monthly '' with Experian and " Weekly '' with Equifax. This discrepancy misrepresents my actual payment obligations and could mislead potential creditors.

3. Balance Reporting : The balance is reported as " {$0.00} '' with both Experian and Equifax, but the monthly payment is listed as " {$500.00} '' with TransUnion. This inconsistency does not provide a clear picture of the account 's status.

4. Comments and Payment Status : The comments section states " Paid satisfactorily '' with Experian and " Pays account as agreed '' with Equifax. However, the discrepancies in payment terms and balance raise concerns about the accuracy of these statements. 
XXXX. Date Last Active : The " Date Last Active '' is reported as " XX/XX/XXXX '' with Equifax, which does not accurately reflect the last activity on the account. If the account was closed before that date, this could be misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: LA

Complaint narrative:
Dear CFPB, I am writing to formally submit a complaint regarding inaccuracies in my credit report related to my account with XXXX  XXXX XXXX XXXX, which I believe violate the Fair Credit Reporting Act ( FCRA ). Below are the specific details of my complaint. 
Account Information : Account Number : XXXX Account Type : Installment Account / Secured Loan Credit Reporting Agencies Involved : TransUnion, Experian, Equifax Details of the Complaint : 1. Inconsistent Reporting of Account Status and Dates : The account is reported as " Closed '' with both TransUnion and Experian. However, the " Date Opened '' is listed as " XX/XX/XXXX '' with TransUnion and " XX/XX/XXXX '' with Experian. This inconsistency creates confusion regarding the account 's history. 
XXXX. Different Payment Terms : The payment frequency is reported as " Monthly '' with Experian and " Weekly '' with Equifax. This discrepancy misrepresents my actual payment obligations and could mislead potential creditors.

3. Balance Reporting : The balance is reported as " {$0.00} '' with both Experian and Equifax, but the monthly payment is listed as " {$500.00} '' with TransUnion. This inconsistency does not provide a clear picture of the account 's status.

4. Comments and Payment Status : The comments section states " Paid satisfactorily '' with Experian and " Pays account as agreed '' with Equifax. However, the discrepancies in payment terms and balance raise concerns about the accuracy of these statements. 
XXXX. Date Last Active : The " Date Last Active '' is reported as " XX/XX/XXXX '' with Equifax, which does not accurately reflect the last activity on the account. If the account was closed before that date, this could be misleading.

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 2025-03-20 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: FL

Complaint narrative:
I have identified multiple accounts on my Equifax credit report that I do not recognize and that were included without my consent. These accounts include : XXXX XXXX ( Account : XXXX, Balance : {$4800.00} ) XXXX XXXX ( Account : XXXX, Balance : {$3700.00} ) XXXX XXXX XXXX XXXX XXXX XXXX, Balance : {$1800.00} ) XXXX XXXX XXXX XXXX XXXX  Closed with late payments ) XXXX XXXX XXXX ( Collection account, Balance : {$1600.00} ) Additionally, my credit report contains multiple unauthorized hard inquiries, including but not limited to : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts and inquiries were added to my report in violation of multiple consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), Gramm-Leach-Bliley Act ( GLBA ), and Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) regulations. 

The violations include : 15 U.S.C. 1681b ( FCRA ) No permissible purpose for these accounts and inquiries. 
15 U.S.C. 1681e ( b ) ( FCRA ) Equifax failed to ensure the maximum possible accuracy of my credit report.

15 U.S.C. 1681i ( FCRA ) If Equifax can not verify these accounts with physical documentation, they must be removed immediately.

15 U.S.C. 1631 ( TILA ) Lack of required disclosures regarding the handling of my financial data.

15 U.S.C. 6801-6809 ( GLBA ) I was never given the option to opt out of my data being shared.

12 U.S.C. 3402 ( Right to Financial Privacy Act ) My financial data was shared without my consent. 
XXXX The inclusion of unauthorized accounts and inquiries constitutes an unfair and deceptive practice. 
I contacted Equifax to request an investigation and removal of these accounts and inquiries, but they failed to take corrective action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 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 2025-03-20 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA XXXX accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: KS

Complaint narrative:
My personal and financial data has been compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach was a clear violation of XXXX and your responsibility to safeguard my information. Given the severity of the breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full. This complaint was sent to my student loan provider as well as the complaint department with the Dept. of Education. My total amount of debt for this is {$45000.00}.

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 2025-03-20 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 submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TransUnion Credit Bureau. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

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