vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing this complaint against TransUnion for violating the Fair Credit Reporting Act ( FCRA ) by failing to conduct a reasonable reinvestigation of my disputes and for allowing unverifiable and inaccurate negative items to remain on my credit report. 



I submitted three rounds of disputes to TransUnion on XX/XX/year>, XX/XX/year>, and XX/XX/year>, requesting that they verify the accuracy of multiple negative items, including collection accounts and charge-offs. 



Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), TransUnion is required to reinvestigate disputed items within 30 days and remove any unverifiable information. However, they have failed to comply with these legal obligations.

I specifically requested the following information for each disputed item : Original signed contracts or agreements proving that I entered into the alleged debt. 

Proof of debt ownership or assignment showing that the creditor or collection agency has the legal right to report the debt. 

A full account history detailing all payments, charges, and fees applied to the account. 



Instead of providing this documentation, TransUnion has ignored my disputes, failed to provide verification, and allowed unverified negative items to remain on my report. 



This is a blatant violation of my consumer rights under the FCRA and has caused ongoing harm to my credit score and financial wellbeing. Their refusal to conduct a proper reinvestigation is not only illegal but also negligent.

I demand that TransUnion : 1. Immediately reinvestigate all disputed items.

2. Provide written proof verifying the accuracy of each item, including original signed contracts and proof of debt ownership.

3. Delete any unverifiable, inaccurate, or outdated information.

4. Provide a detailed explanation of how each item was verified, including the sources used and the dates of verification.

5. Provide copies of all communications between TransUnion and the furnishers of the disputed information.

Failure to comply with these demands will result in me pursuing further regulatory complaints and legal action for damages under Sections 616 and 617 of the FCRA ( 15 U.S.C. 1681n and 1681o ), which provide for statutory damages, actual damages, and punitive damages for willful and negligent noncompliance.

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am disputing the accuracy and completeness of the following account reported on my credit file, as there are multiple discrepancies and inconsistencies across the bureaus. Please investigate the account for compliance with the Metro 2 format and CDIA guidelines : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am disputing the accuracy and completeness of the following account reported on my credit file, as there are multiple discrepancies and inconsistencies across the bureaus. Please investigate the account for compliance with the Metro 2 format and CDIA guidelines : 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 2025-01-11 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: DISCOVER BANK
State: PA

Complaint narrative:
Subject : Dispute of Fraudulent Account Opened in My Name To Whom It May Concern, I am writing to formally dispute an account opened in my name with Discover Financial on or around XX/XX/XXXX. I am a victim of identity theft and can provide evidence that I could not have opened or authorized this account. 

I have been incarcerated since XX/XX/XXXX, and remain in custody. Therefore, I could not have participated in any financial activity, including opening accounts or authorizing transactions, during this time. 

The details of the fraudulent account are as follows : Account Number : XXXX To assist with your investigation, I have enclosed : 1. A copy of my identification ( prison ID ) 2. Proof of my incarceration, such as prison records or a letter from the facility 3. A completed Identity Theft Affidavit Please confirm in writing that you have received this letter and provide me with updates regarding the status of the investigation. I can be reached at the address above, or you may contact my representative, XXXX XXXX, at ( XXXX ) XXXX. 

I trust that Discover Financial will handle this matter promptly and appropriately. Thank you for your immediate attention to this serious issue. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enclosures : [ List enclosed documents ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: TX

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification.

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 2025-01-11 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: FL

Complaint narrative:
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 

By obtaining my consumer report knowingly without any permissible purpose you are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I have not initiated any transaction with XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ).

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to dispute the accuracy and inclusion of outdated and incorrect address information on my credit file. Per the Fair Credit Reporting Act ( FCRA ), you are required to maintain accurate and verifiable data in my credit report. Additionally, I request compliance with the Metro 2 and CDIA standards for accurate and uniform reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute the accuracy and inclusion of outdated and incorrect address information on my credit file. Per the Fair Credit Reporting Act ( FCRA ), you are required to maintain accurate and verifiable data in my credit report. Additionally, I request compliance with the Metro 2 and CDIA standards for accurate and uniform 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
Consumer complaint received 2025-01-12 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: LA

Complaint narrative:
am filing this FTC Identity Theft Affidavit to report a fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent inquiries and account have affected my life and resulted in several fraudulent hard inquiries and account and appearing on my consumer FICO credit report. XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$580.00} opened XXXX I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agencies TransUnion What happened Consumer Name : XXXX XXXX Social Security Number : XXXX SSN ), 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 TransUnion 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 inquiries have resulted in several fraudulent inquiries appearing on my consumer FICO 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 as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries and account are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that TransUnion credit reporting agency block all of the accounts identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address 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 2025-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain 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 2025-01-11 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: DE

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the validity and reporting of a collection account listed on my credit report under the account name XXXX XXXX, account number XXXX. Upon reviewing my credit file, I have found inaccuracies and believe this account is being reported in violation of the Fair Credit Reporting Act ( FCRA ), Metro 2 guidelines, and CDIA standards.

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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Several, if not all of my accounts have been included in a data breach.

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 2025-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: American Financial Network Inc.
State: VA

Complaint narrative:
American Finanacial Network , Inc, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent me a letter for a refinance at 4.49 % / 4.89 % APR, I called at XXXX XXXX and spoke with XXXX , explained couple times that these rates does not seem to be true and if they can not give me those rates, I DO NOT want them to pull my credit report, and she assured me that yes they can refinance my mortgage with the rate mentioned in the letter, so unfotunately I trusted and gave her my information, she called me back and told me the rate would be 6.5 %???!!!. And to let you know my credit score is one of the best.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My Citibank credit card was charged {$2400.00} twice in a row because I was scammed on XXXX XXXX in XXXX XXXXXXXX I intended to donate {$10.00}, but the scammers ran my card for {$2400.00} twice ( total {$4800.00} ) without my knowledge. I saw the charges on my card within XXXX hours and alerted Citibank, filing a dispute for fraud. A few days later, a Citibank rep called for details and advised that I file a police report. I did so online, but I didn't learn that the report didn't go through until XXXX, when I called and filed a report over the phone. I provided the report number to Citibank. In the meantime, Citibank denied my dispute. I appealed the maximum number of times, explaining that I did not authorize {$2400.00} to be charged to my card twice, that I had never shopped at the company listed with the charges, and that I had been scammed. At the very least, the double charge of that amount should have been suspicious or looked like an error to Citibank. Instead, my dispute claim and all my appeals were denied.

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 2025-01-11 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 am a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company from my information Transunion. Please delete the following accounts. creditor : 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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XXXX XXXX, a significant data breach occurred in which the credit reports of millions of Americans were improperly accessed and publicly released. This breach exposed highly sensitive personal and financial information, including Social Security numbers, credit scores, credit account details, and payment histories. The unauthorized disclosure has created a substantial risk of identity theft, financial fraud, and other forms of misuse. Affected individuals were not adequately notified in a timely manner, leaving them vulnerable and without sufficient guidance on how to protect their information. This breach demonstrates a severe failure to safeguard consumer data and comply with applicable privacy and security standards. Companys such as XXXX, XXXX XXXX, and 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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XXXX XXXX  a significant data breach occurred in which the credit reports of millions of Americans were improperly accessed and publicly released. This breach exposed highly sensitive personal and financial information, including Social Security numbers, credit scores, credit account details, and payment histories. The unauthorized disclosure has created a substantial risk of identity theft, financial fraud, and other forms of misuse. Affected individuals were not adequately notified in a timely manner, leaving them vulnerable and without sufficient guidance on how to protect their information. This breach demonstrates a severe failure to safeguard consumer data and comply with applicable privacy and security standards. Companys such as XXXX, XXXX XXXX, and 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