vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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: IL

Complaint narrative:
Complaint to the CFPB XXXX XXXX  ( Account ending in XXXX ) To Whom It May Concern : I am submitting this formal complaint regarding an account reported under the name XXXX XXXX, which appears on my credit reports with XXXX, XXXX, and TransUnion. This account does not belong to me, and I have no knowledge of having applied for, authorized, or opened any loan or account with this entity. 

Summary of the Issue : The account was allegedly opened in XX/XX/XXXX, with a monthly payment of {$100.00} and a reported balance of {$1600.00}. 

It is being reported as Negative across all three credit bureaus and shows multiple 30, 60, and 90-day late payments. 

The last reported activity was as recent as XX/XX/XXXX, and it continues to appear as open and active, despite being unrecognized and unauthorized. 

I did not apply for or authorize this account, and I believe it has been erroneously or wrongfully attributed to me. 

The fact that no dispute status is marked, and the data remains uncorrected, highlights a failure in the data verification and dispute prevention processes. 

Violations of Federal Law : 1. FCRA Fair Credit Reporting Act ( 15 U.S.C. 1681 ) : 1681e ( b ) : Failure to maintain maximum possible accuracy of the information furnished.

1681s-2 ( b ) : The furnisher failed to properly investigate and correct disputed or inaccurate information.

1681i : The credit bureaus did not delete or correct unverifiable or incorrect information in a timely manner.

2. TILA Truth in Lending Act ( 15 U.S.C. 1601 ) : The misrepresentation of account terms and the unauthorized reporting of delinquency violate transparency and proper disclosure requirements under TILA.

3. GLBA Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) : By distributing inaccurate personal and financial information to third parties without proper verification or authorization, the data furnishers and credit bureaus failed to safeguard the integrity and confidentiality of my data as required under GLBA. 

Impact and Harm : This account has caused substantial damage to my credit profile and personal reputation. It is preventing me from accessing fair credit opportunities, and it has created emotional and financial distress by reflecting negative payment history on a loan I never applied for.

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 2025-05-22 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:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and XXXX  data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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 BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : OFFICE OF THE ATTY GEN # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Equifax has not updated problems I have written to them about : 1. XXXX XXXX, bought this " debt '' which had been resolved years ago in XXXX via my Attorney. But Equifax never responded to investigateXXXX 2. XXXX XXXX : I paid my final bill upon moving, yet, I was still billed, I found this out later after I moved and paid it immediately. It was wrong on behalf of XXXX XXXX. XX/XX/XXXXXXXX  - so I actually paid that bill twice. 
3. XXXX XXXX XXXX removal now due XX/XX/XXXXXXXX  4. XXXX XXXX removal due now XX/XX/XXXXXXXX  5. XXXX XXXX XXXX XXXX was not a charge off, I paid the balance and acct closed XX/XX/XXXX 6. Equifax has me as " high credit usage '' when I only have 2 active accounts 7. Equifax sent a credit report to me in XXXX  with my name spelled incorrectly : 8. XXXX XXXXXXXX XXXX XXXX  shows my account as ( transfer/sold ) I paid this off in XXXX 9. XXXX XXXX XXXXXXXX XXXX is listed as a ( charge off ) I paid this in full in XXXX 10. XXXX XXXX XXXXXXXX ( hard pull inquiry ) was for a business application credit card and it is listed on my personal credit. This should be removed. 
11.XXXX XXXX XXXX XXXX request should not be on my personal credit 12. They have my name listed as " Names '' in different configurations. It should only be 2 full names for me ( prior to marriage as 'XXXX  ) : since the early XXXX 's my married name : XXXX XXXX XXXX XXXX and was previously XXXX XXXX XXXX 13. My work should only be : XXXX XXXX XXXXXXXX XXXX XXXX ( until XXXX ; I had a store XXXX XXXX and my office was in it ) they have it listed as different things. It was one location. They make it look like different jobs. 

14. Numerous addresses and PO Boxes which I used for work are listed as my personal addresses. I have tried to fix this in the past. 

XXXX XXXX XXXX XXXX XXXXXXXX used for business XXXX XXXX XXXX XXXX NC used for business XXXX XXXX XXXXXXXX XXXXXXXX used for business XXXX XXXX XXXX XXXX, VA XXXX, house sitting was there often sometimes had mail sent XXXX XXXX, Virginia XXXX - business XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, X husband address XXXX XXXX XXXX XXXX VA X husband address XXXX XXXX XXXX VA XXXX is my XXXX XXXX XXXX XXXX XXXX VA XXXX is duplicated a few times listed Again, only 2 names : XXXX XXXX XXXX, XXXX XXXX XXXX, all credit reports have half a dozen or more mixes of my name making it look like different names. Only 2 names should be listed. 

There should be absolutely NO Collections on my report. 

I have been denied credit numerous times due to the incorrect listings/ data on my credit reports. 



The personal statement of my Medical status ended in XXXX. That needs to be removed.

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 2025-05-22 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: MI

Complaint narrative:
Name : XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX Mi XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Early Warnings Consumer report immediately! I've attached a copy of the report to this request. 
Thank you for your assistance. 
Sincerely. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-05-22 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 do not recognize these inquiries, and they seem unauthorized. I kindly request prompt action to resolve this issue. The attached documents provide further details.

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 2025-05-22 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: CA

Complaint narrative:
This complaint is valid and not submitted in error. My credit report contains inaccuracies that fail to meet the required standard of maximum possible accuracy. These errors are causing ongoing harm to my financial stability and personal well-being, adding unnecessary strain during an already difficult time.

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 2025-05-22 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: NY

Complaint narrative:
Account : XXXX XXXX XXXX As per FCRA 611 and 1681c-2, you are required to block and remove all fraudulent information within 4 business days of receiving this notice. 

Take this as formal notice : if you continue to report inaccurate or fraudulent data, or fail to investigate and correct the matter, you will be in willful noncompliance of the FCRA and may be subject to civil liability under 15 U.S. Code 1681n and 1681o. I am fully prepared to pursue legal action if this dispute is not resolved promptly and correctly.

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 2025-05-22 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: IN

Complaint narrative:
Ill check on my credit report and seeing that there was inaccurate information on my credit report third-party credit reporting agencies have my information that I have not given permission to information was exposed to Equifax data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
I'm a victim of identity theft and fraud, and I have a debt with XXXX XXXX XXXX, depth amount is {$700.00}, I never made this transaction, my ex wife has my birthdate and social security number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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:
TransUnion is obstructing my rights under the Fair Credit Reporting Act ( FCRA ) by repeatedly refusing to investigate valid disputes that I submitted personally, in writing, and with clear identification. This complaint is with new information and an FTC report. 

I submitted multiple dispute letters to TransUnion, the most recent being on XX/XX/year>, contesting the accuracy and legality of several tradelines. TransUnion responded with a letter claiming that the dispute didnt appear to be sent by me or a properly authorized third party. This is false. All materials were personally prepared, signed, and mailed by me. I have never authorized any third party, credit repair company, or credit clinic to act on my behalf. 

This response violates : 15 U.S.C. 1681i failure to conduct a reasonable reinvestigation ; 15 U.S.C. 1681e ( b ) failure to ensure maximum possible accuracy ; 15 U.S.C. 1681g failure to disclose the method and source of verification.

Despite my multiple attempts, TransUnion has failed to : Investigate the accounts properly, Provide verification or documentation, Identify the source of the alleged debts, Correct reporting errors or remove unverifiable data. 

I have now filed a formal FTC fraud report ( Confirmation # XXXX ) documenting TransUnions obstruction and evasion tactics. I also attach : My original dispute letters, Certified mail records, Detailed account-by-account challenges following Metro 2 and FCRA legal standards. 

The accounts I dispute include : 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 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  Each contains unverified charge-offs, incorrect balances, and violations of Metro 2 compliance. I am not receiving individualized reinvestigations, and the Dispute Status field remains inaccurately coded as N ( Not Disputed ) in most tradelines.

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 2025-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am writing in response to your communication dated [ insert date of first contact ], in which you allege that I owe a debt. This is a formal notice that I dispute the validity of this debt, as provided for by the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g ( a ).

Under this law, I am requesting that you provide proper validation of the debt, including : The name and address of the original creditor ; The amount of the alleged debt ; A copy of the original contract or agreement bearing my signature, if applicable ; Proof that you are authorized to collect on this debt ; and A detailed accounting of how the amount you claim is owed was calculated. 

Please be advised that until you provide the requested validation, you are legally required to cease all collection activities, including phone calls, letters, or credit reporting related to this debt. 

If you are unable to verify the debt, you must stop all attempts to collect it and remove any negative information you may have reported to credit bureaus.

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 2025-05-22 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 urgently request the deletion of these unauthorized accounts from my credit report, as I did not open them and was unaware of their existence. In compliance with USC 1681g, please remove them within 15 days. Attached are the required supporting documents.

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 2025-05-22 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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:
Dear Experian, I am writing to formally dispute the inaccurate reporting on my credit file regarding the XXXX account ending in XXXX. As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681e ( b ), which requires that all information furnished in my credit report must be accurate and complete. I am also invoking 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), which mandates deletion or correction of inaccurate or unverifiable data within 30 days.

The following inaccuracies exist on this account : 1. The account was marked as charged off in XXXX XXXX, yet is still being updated monthly with a {$4100.00} balance this is a violation of charge-off reporting standards. 
2. Payment history reflects 27 months of continuous CO ( charge-off ), which is inconsistent, as a charge-off is a one-time event.

3. The account shows ND ( No Data ) in multiple months while simultaneously reporting it as charged off a direct contradiction.

4. The credit usage and limit are reported as unavailable, which is not acceptable for validation purposes under 15 U.S.C. 1681e ( b ).

5. Reporting a balance as past due after a charge-off ( especially when no payments are due or being accepted ) is factually incorrect and misleading. 

I request that this account be : Deleted entirely from my credit report due to failure to report with maximum accuracy. 
Or, in the alternative, corrected immediately to reflect only verifiable, accurate information. 

If the above is not done within the required 30-day window, I will escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ), the FTC, and my state attorney general for investigation and enforcement. 

This is a formal dispute under the FCRA and a request for immediate resolution.

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