vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 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:
Please follow reasonable procedures to do what is FAIR and EQUITABLE to me, the consumer. Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. 

Please see the attached documents and delete and/or update the referenced items. 

Also, The Fair Credit Reporting Act requires that you report correct personal information within my consumer report, and because the personal information is incorrect, it must be deleted and/or updated within my credit file, or you are willfully violating the civil liability section of the Fair Credit Reporting Act. In my FTC Report, I listed my inaccurate personal information that needs to be removed. In my dispute letter, I listed my correct information that needs to be reported. 
Anything else shall be removed 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 non-monetary relief
Consumer complaint received 2025-08-08 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: TX

Complaint narrative:
I am writing to formally dispute the reporting of multiple late payments on my credit report related to the following account : * Creditor : XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX * Date Opened : XX/XX/XXXX * Reported Balance : {$5200.00} According to the Fair Credit Reporting Act ( FCRA ), all information furnished to consumer reporting agencies must be complete, accurate, and verifiable [ 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) ]. Upon reviewing my report dated XX/XX/XXXX, I have identified five late payments inaccurately or misleadingly reported on this account, including a XXXX delinquency in XXXX XXXX no data being reported for XXXX, XXXX, or XX/XX/XXXX. 
This inconsistency violates the FCRAs requirement for maximum possible accuracy [ 15 U.S. Code 1681e ( b ) ]. Furthermore, any payment marked as 120 days late must logically be preceded by four consecutive missed payments, which is not reflected on my file. This discrepancy renders the reported delinquencies factually and procedurally incorrect.

Additionally, under 15 U.S. Code 1681i ( a ), I formally request that you investigate this account, including each reported late payment ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), and remove them if they can not be fully verified with documentation from the furnisher. 
If XXXX XXXX XXXX is acting in a collection capacity, I also invoke my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ). If these debts were disputed and not validated properly, continued reporting is a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: TX

Complaint narrative:
I am writing to formally dispute the reporting of multiple late payments on my credit report related to the following account : * Creditor : XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX * Date Opened : XX/XX/XXXX * Reported Balance : {$5200.00} According to the Fair Credit Reporting Act ( FCRA ), all information furnished to consumer reporting agencies must be complete, accurate, and verifiable [ 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) ]. Upon reviewing my report dated XX/XX/XXXX, I have identified five late payments inaccurately or misleadingly reported on this account, including a XXXX delinquency in XXXX XXXX no data being reported for XXXX, XXXX, or XX/XX/XXXX. 
This inconsistency violates the FCRAs requirement for maximum possible accuracy [ 15 U.S. Code 1681e ( b ) ]. Furthermore, any payment marked as 120 days late must logically be preceded by four consecutive missed payments, which is not reflected on my file. This discrepancy renders the reported delinquencies factually and procedurally incorrect.

Additionally, under 15 U.S. Code 1681i ( a ), I formally request that you investigate this account, including each reported late payment ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), and remove them if they can not be fully verified with documentation from the furnisher. 
If XXXX XXXX XXXX is acting in a collection capacity, I also invoke my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ). If these debts were disputed and not validated properly, continued reporting is a violation of 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 2025-08-08 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: TX

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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:
U.S.C. 1681 ) To Whom It May Concern, I am submitting this formal complaint pursuant to the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq., to report additional violations of my consumer rights related to the furnishing and reporting of inaccurate, outdated, or unauthorized information.

Accounts in Violation The following accounts have been reported to XXXX or more consumer reporting agencies ( Experian, Equifax, TransUnion ) and XXXX violate provisions of the FCRA : XXXX Account XXXX : Credit Card Balance : {$220.00} Date Opened : XX/XX/XXXX Status : Closed XXXX XXXX XXXX  Account Type : Charge Card Balance : {$220.00} Date Opened : XX/XX/XXXX Status : Closed XXXX Account Type : Secured Loan / Installment Loan Balance : {$0.00} Date Opened : XX/XX/XXXX Status : Closed XXXX Account Type : Collection Balance : {$170.00} Date Opened : XX/XX/XXXX Status : Open XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX Balance : {$190.00} Date Opened : XX/XX/XXXX Status : Open Applicable FCRA Violations These accounts may violate the following provisions : 15 U.S.C. 1681 Section 602 ( a ) : Ensures consumer privacy and mandates fair treatment by reporting agencies.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : Prohibits furnishing consumer reports without written instructions from the consumer.

15 U.S.C. 1681c ( a ) ( 5 ) : Limits reporting of adverse information older than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : Prohibits furnishing information known to be inaccurate or unverifiable.

Additionally, the presence of collection accounts without proper debt validation may violate consumer rights under the FDCPA ( Fair Debt Collection Practices Act ). I have not received any debt validation letters for these accounts, nor have I authorized their reporting.

Requested Resolution I respectfully request : 1. Immediate investigation and removal of the disputed accounts from all credit bureaus.

2. Written confirmation of deletion or correction from furnishers and agencies.

3. Assurance that no future information will be furnished without my explicit consent.

4. Publication of this complaint by the CFPB as part of its public record.

Thank you for your attention to this matter.

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 2025-08-08 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: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-08-08 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: MN

Complaint narrative:
The credit bureau 's shows this account as " last reported '' on XX/XX/XXXX, but the account was actually closed in XXXX. Updating the date to make it appear newer is inaccurate and violates the FCRA by re-againg the account.

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 2025-08-08 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: OH

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of multiple fraudulent accounts reported under my name by XXXX. I am the victim of identity theft and have filed an official Identity Theft Report with the Federal Trade Commission ( FTC ), Report Number XXXX. 
The fraudulent accounts listed below were not authorized by me, and I never received or applied for any federal student loan or financial aid from XXXX : XXXX. XXXX Reported Balance : {$3100.00} Opened : XX/XX/XXXX XXXX. XXXX Reported Balance : {$3400.00} Opened : XX/XX/XXXX XXXX. XXXX Reported Balance : {$3700.00} Opened : XX/XX/XXXX XXXX. XXXX Reported Balance : {$3900.00} Opened : XX/XX/XXXX XXXX. XXXX Reported Balance : {$7000.00} Opened : XX/XX/XXXX These accounts appeared on my credit report without my knowledge or consent and are the result of identity theft.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c-2 ( Section 605B ), I am formally requesting that you block and remove all information related to these fraudulent accounts from my credit file. As required by law, you must do so within four business days of receiving this notice, my identity theft report, and supporting documents. 
I also invoke my rights under the following consumer protection laws : - 15 U.S.C. 1681 et seq. Fair Credit Reporting Act - 15 U.S.C. 6802 Financial Privacy Requirements- UCC 3-501 Demand for Proof of Claim and Legal Standing - 15 U.S. Code 1692c Cease and Desist Communication I attempted to resolve this matter directly with XXXX by notifying them of the fraudulent activity, but they failed to take any corrective action or assist in removing the accounts. This negligence only further violates my consumer rights and causes ongoing damage to my credit and reputation. 
Therefore, I demand : 1. Immediate deletion of all XXXX accounts listed above. 2. Written confirmation of their removal from my credit file. 3. No further reporting or collection attempts related to these fraudulent debts.

Enclosed are the following : - A copy of my FTC Identity Theft Report - A copy of my government-issued ID - Proof of address Under penalty of perjury, I affirm that I did not authorize these accounts and that the information provided is accurate and true. 
Sincerely, XXXX XXXX UCC-1-308 Without Prejudice

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 2025-08-08 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: MI

Complaint narrative:
I am writing to formally dispute the accuracy and consistency of information appearing on my credit report. The account in question is listed under the number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with an original balance of \ {$600.00}. 

Upon reviewing my credit reports from TransUnion, XXXX, and XXXX  through XXXX XXXX, I have found the following discrepancies : 1. * * TransUnion * * lists the account as * Derogatory * with a status of * Collection/Charge-Off * and remarks stating Account information disputed by consumer, opened XX/XX/year>. 
2. * * Experian * * lists the same account as * Open * with a status of * Collection/Charge-Off * and remarks stating Customer disputed account reported by subscriber, opened XX/XX/year>. 
3. * * Equifax * * does not reflect the same detailed information as the other bureaus, resulting in incomplete and inconsistent reporting.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), credit reporting agencies are required to ensure that all reported information is accurate, complete, and consistent across all consumer reports. The discrepancies outlined above clearly indicate a violation of this requirement. 

I am requesting that you conduct a prompt investigation of this account, verify the correct information with the furnisher, and either : * Remove the account entirely from my credit report if it can not be verified with complete and accurate details, * * or * * * Correct the information so that it is consistent and accurate across all credit bureaus. 

Please provide me with written confirmation of the results of your investigation and an updated copy of my credit report. 

Enclosed are copies of my identification and a copy of the relevant credit report page showing the discrepancies.

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 2025-08-08 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 no responsibility for the accounts listed. They were opened without my consent, and I request their deletion under USC 1681g within 15 days. Supporting files are enclosed.

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 2025-08-08 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: FL

Complaint narrative:
I am filing this formal complaint against Experian for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ). Despite my initial dispute dated XX/XX/year>, Experian has failed to conduct a lawful reinvestigation, did not provide adequate documentation verifying the accounts in question, and continues to report false and inaccurate information on my credit profile. 

This is my second and final attempt to resolve this matter. My affidavit was submitted with supporting documents. Experian has not provided : The name of the person who verified the disputed information The method of verification or communication used Original documentation used to determine the accuracy of the disputed items

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 2025-08-08 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: TX

Complaint narrative:
FCRA guidelines CLEARLY state that a company and or debtor must provide proof of debt within 7 business days or 5 cant remember which regardless. Ive disputed this negative collections and several others for not providing proof of debt. They investigate and say its resolved but yet they are resolving it based on there word of the collection agency they have nothing saying IVE received anything. 1 XXXX year or more Ive disputed this only collection account on my credit report have even noted that I have yet to receive proof of debt please remove and nothing ever XXXX happens. Another issue I have a so called charged off account thats on my report shows charged off yet the account was paid in full no deals no nothing they being the credit company put it in the notes. Im sorry but you cant have a charged off account that was paid for 2 days later the paperwork hasnt even been filed with the IRS at that point yet they continue to allow the negative hit with a note stay further hurting my credit since its still considered negative. XXXX that take that XXXX off and I dont care if you dont like the profanity Ive been fighting these XXXX  for 3 years and they always take the side of the debtor never the consumer all we get is 200 letters to explain our side and thats it they make a decision and close the case its XXXX  XXXX it XXXX everyones world up. 


XXXX XXXX XXXX REMOVE IT UNDER THE FCRA FOR NOT PROVIDING PROOF OF DEBT IMMEDIATELY FOR THE YEAR YOU HAVENT LISTENED. 


XXXX XXXX  was paid in full 2 days after they supposedly wrote it off I was in the XXXX hospital back and forth with the VA but you dont give XXXX XXXX just take the creditors side or debtors whoever yall know what the XXXX I mean. Tired of this XXXX why do we have laws if corporations and entities such as these XXXX get away with murder 3 years Ive disputed accounts cares ACT violations on a handful not following FCRA guidelines on all the rest. Yet no one does anything the supposed fine that i should be paid for the misrepresentation on my report as the FCRA says Ill never receive theyll make a change and then they wont answer anything instead they send a spreadsheet and how the XXXX am I supposed to know whats going on theres no description just whatever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: CL Holdings LLC
State: FL

Complaint narrative:
I am formally filing a complaint with XXXX  data reported on my credit file. This information fails to meet compliance standards, has not been properly validated, and lacks sufficient documentation to verify its accuracy. 

I have identified potentially erroneous entries on my credit report. As a consumer, I am entitled to request the prompt removal of this account, in accordance with my rights under both federal and state consumer protection laws. This complaint is being made to ensure that the information you are reporting complies with FACTA, specifically Title 1, Section 151, which mandates a clear description of the verification process used.

Company response to consumer: Closed with explanation