vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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: CA

Complaint narrative:
TransUnion is currently reporting incorrect and misleading personal identifying information on my credit report, specifically my name. Instead of accurately listing my correct legal name, which is XXXX XXXX, TransUnion is publishing an inaccurate and convoluted variation : XXXX XXXX XXXX. This is not my legal name, and I have never used that full sequencenor is it reflected on any of my government-issued identification, legal documents, or credit applications. This incorrect version of my name has no legal or personal basis and represents a blatant failure on the part of TransUnion to maintain the integrity of my identity on file. 

The Fair Credit Reporting Act, particularly 15 U.S.C. 1681e ( b ), requires credit reporting agencies like TransUnion to follow reasonable procedures to assure the maximum possible accuracy of the information they include in consumer reports. Publishing a corrupted or hybrid name that does not match my legal identification is a textbook example of failing to meet that obligation. I did not authorize or submit any application, transaction, or documentation that supports the use of XXXX XXXX XXXX. Its inclusion is sloppy, unverifiable, and damaging. 

Even worse, when I submitted a formal dispute requesting that my file reflect only my correct legal XXXX XXXXTransUnion responded with a blanket statement claiming the information had been verified, yet provided no proof, no documentation from any furnisher, and no explanation as to where this name variation came from. That is not a reinvestigation under the law. It is a failure to act. 15 U.S.C. 1681i ( a ) requires TransUnion to conduct a reasonable reinvestigation any time a consumer disputes the accuracy of information in their file. Simply reaffirming internal data without tracing the original source or evaluating whether the information is even legally valid is not a reinvestigationits a complete dismissal of their obligations. 

This inaccurate name is doing real harm. It confuses lenders, delays applications, and puts me at risk of being associated with someone elses credit data or financial history. Its an identity risk that could snowball into deeper problems if not corrected immediately. Ive already experienced frustration and stress having to explain to institutions why the name on my credit report doesnt match what appears on my drivers license or tax filings. That burden should not fall on meit falls on TransUnion, whose job is to report my identity accurately and lawfully.

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 2025-07-30 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: NM

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable account on my credit report. Under the Fair Credit Reporting Act ( FCRA XXXX ( a ) ), the bureau is required to conduct a reasonable reinvestigation within XXXX  days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable. Instead, the bureau appears to rely on automated systems ( such as XXXX  ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA XXXX ( b ) / XXXX XXXX. XXXX ( b ). In XX/XX/year>, Equifax was fined {$15.00} XXXX for improper investigations and failure to comply with FCRA accuracy requirements.. The CFPB concluded that superficial or automated procedures fail to meet the FCRAs reinvestigation standard. I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: FL

Complaint narrative:
I am in the process of trying to purchase a home, and this inaccurate item on my credit report is negatively affecting my ability to do so. The account in question does not belong to me, and I have already contacted the company to dispute it. Despite my efforts, the item remains on my report. 

This is causing serious harm to my credit and interfering with an important financial transaction. I request that this item be investigated and removed from my credit report 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 2025-07-30 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: FL

Complaint narrative:
I am in the process of trying to purchase a home, and this inaccurate item on my credit report is negatively affecting my ability to do so. The account in question does not belong to me, and I have already contacted the company to dispute it. Despite my efforts, the item remains on my report. 

This is causing serious harm to my credit and interfering with an important financial transaction. I request that this item be investigated and removed from my credit report 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 2025-07-30 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: FL

Complaint narrative:
The XXXX  inquires listed on my credit report were not authorized by me and do not belong to me. I believe they are result of unauthorized activity or potential fraud. specifically, the following inquires need to be removed : XXXX. XXXX XXXX XX/XX/year> - Equifax XXXX. XXXX XXXX XX/XX/year> - XXXX  I request an investigation and the inmediate removal of these inquires from my credit report, as they were not initiated or approved by me.

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 2025-07-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: World Acceptance Corporation
State: GA

Complaint narrative:
Someone used my identity to get a XXXX $ loan I never applied now, they're saying they're going to sell my information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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 am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within four ( 4 ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : XXXX - XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported.

I have contacted EQUIFAX multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. 
These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: AR

Complaint narrative:
I am submitting this Identity Theft Affadavit because my personal information was compromised during the Equifax data breach. As a result, multiple unauthorized accounts and hard inquiries have appeared on my credit report. I did not open, authorize, or recognize these accounts. I am formally requesting that these fraudulent items be removed in accordance with my rights under Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: GA

Complaint narrative:
To resolve this issue fairly and in full compliance with the Fair Credit Reporting Act ( FCRA ), I am requesting : A complete reinvestigation of the late payment reported by XXXX XXXX ( Account Number : XXXX ). 

Documentation from the creditor showing that proper notice of the upcoming due date and any late payment was sent to me including dated letters, emails, or reminders. 

If they can not provide proof of such notice, the immediate permanent deletion of the late payment from my credit file. 

Written confirmation from Equifax once the inaccurate information has been removed. 

An updated and corrected copy of my credit report within 15 business days.

If this resolution is not provided, I will escalate this complaint further with the FTC, state Attorney General, and take legal action under FCRA 616, which allows up to {$1000.00} per violation, plus actual damages and legal costs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: IL

Complaint narrative:
This is a request for validation made pursuant to the Fair Debt Collection Practices Act. 
I'm just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty frustrating to be honest, but I know that mistakes happen. I trust you'll fix the situation. Here 's the wrong info : You should also be aware that sending unsubstantiated demands for payment through the United States mail system might constitute mail fraud under Federal and State law.

You may wish to consult with a competent legal advisor before your next communication with me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - This is also completely inaccurate. - This account is reporting incorrectly.

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 2025-07-30 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: MI

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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:
I'm reaching out because Equifax is helping XXXX XXXX  put incorrect information on my credit report related to the account below : XXXX XXXX XXXX XXXXXXXX As Defined by the IRS : The IRS considers a charge-off to be income, either as gross or ordinary income. Income like this doesn't belong on a credit report, so this information on my report isn't accurate! By IRS rules, any canceled debt or charge-off is classified as income. Reporting this as debt is incorrect. According to 15 USC 1681 s-2, XXXX XXXXXXXX, as a provider of information to a credit rep agency, is prohibited by law from sharing inaccurate info. I'm requesting that you delete this inaccurate information from my report right away. 
* * 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) : * * " A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person .. for such notices, that specific information is inaccurate and ; the information is, in fact inaccurate. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
We had XXXX unauthorized withdrawals that occurred from our XXXX  account. 

- XX/XX/year> : {$9900.00} - XX/XX/year> : {$9900.00} These transactions were not authorized by us, nor did we knowingly or willingly approve them in any way. We became aware of these withdrawals when we reviewed our bank statement and immediately contacted customer support to report the issue. Unfortunately, our request for investigation and reversal was 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 2025-07-30 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: NC

Complaint narrative:
I have been trying to dispute this issue for so long. I applied for an apartment back in XXXX of XXXX. I then called the establishment and told them I no longer wanted to live there. Woman in the office I believe her name was XXXX or something with a XXXX  at the time told me she would notify the complex. I then received more phone calls after asking if I still wanted the apartment I told them already I didnt want to move there and I found another place to move. I never received any keys or even saw the room or anything. I also received notice that if I didnt respond in 7 days my space would be given away. In XXXX of XXXX I received a notice in my email about rent and instantly called the establishment. She told me I had to send an email to a specific person of the complex to let them know I no longer want the room assignment. I did do that on XX/XX/XXXX. The lease stated that lease was from XX/XX/XXXX to XX/XX/XXXX. I never moved in and never received keys or anything and I already gave notification that I did not want to move there. Years later on my credit I see that they are trying to charge me {$8000.00} plus for something I never moved into. I reached out to the agency that has the debt and they are trying to tell me that Im still responsible for the debt regardless if I moved in or not. That is completely unfair considering I never paid them anything, never received keys, I verbally gave notifications I wasnt going to be moving there and have a email stating I would not be moving in there. I will not be paying for something I never moved into. And also they have done this to other people as well. On thXXXX XXXX  they are well known for doing this to potential tenants that never even got the chance to live there at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I have never lived in XXXX, Georgia. 
And I have never owned a XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: MA

Complaint narrative:
Subject : Dispute of Unvalidated Debt Reported by XXXX XXXXXXXX XXXX Request for Investigation and Removal To Whom It May Concern, I am submitting this complaint to dispute an unvalidated and potentially inaccurate debt being reported on my credit report by XXXX XXXXXXXX XXXX, associated with account number beginning in XXXX and a balance of {$700.00}. 

I do not recognize this account, never signed for any credit or financial product with XXXX XXXXXXXX XXXX and have received no documentation proving the origin, nature, or validity of this debt. 

Prior to this, a company named Credit Corp Solutions Inc had reported a similar debt. That account is no longer on my credit report, and it appears that Credit Corp Solutions sold or transferred the debt to XXXX XXXXXXXX XXXX  However, I was never informed who the original creditor was, nor was I given a breakdown or explanation of the alleged balance. 

Under 15 U.S. Code 1692g of the Fair Debt Collection Practices Act ( FDCPA ), and the Fair Credit Reporting Act ( FCRA ), I have a legal right to receive validation of any debt before it is reported or collected. To date, I have received : No signed agreement or contract No billing history No proof that XXXX XXXXXXXX XXXX has the right to collect or report this debt Therefore, I am requesting that this account be immediately removed from my credit report until full and proper validation is provided. The reporting of this account without proper verification is a direct violation of my consumer rights and is causing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: DC

Complaint narrative:
To resolve this matter lawfully and fairly, I am requesting that Equifax take the following actions immediately : Conduct a thorough reinvestigation of the disputed late payment on the XXXX XXXX account ( Account Number : XXXX ) under the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1666b, which governs timely billing and payments. 

Require the creditor ( XXXX  ) to provide documented evidence that : I was properly notified of the billing due date. 

I was given an opportunity to address or correct the issue before the late payment was reported. 

They followed all federal requirements under 15 U.S.C. 1666b, which mandates that consumers be given at least 21 days from the statement date to make payment before being considered late.

Delete the late payment from my credit file if the creditor can not provide verifiable proof of proper notification and compliance with billing and reporting laws.

Send written confirmation of your findings and actions taken, along with an updated copy of my corrected credit report, within 15 business days.

If Equifax does not comply with this request, I will proceed with : A formal follow-up complaint to the Federal Trade Commission XXXX FTC ). 

A complaint to the State Attorney Generals Office.

A private legal claim under FCRA 616, which entitles me to statutory damages up to {$1000.00} per violation, in addition to actual damages and legal costs. 

This is your opportunity to correct an inaccuracy that has harmed my credit profile. I am demanding nothing more than what federal law guarantees every consumer : a fair and accurate credit report.

Company response to consumer: Closed with non-monetary relief