vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 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: NV

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ).

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I CONSUMER XXXX XXXX DISCOVERED I WAS A VICTIM OF IDENTITY THEFT XX/XX/year>. SINCE THEN NUMEROUS OF INQUIRES HAVE APPEARED ON MY CREDIT PROFILES. HERE XXXX INQUIRES THAT ARE ON MY REPORT THAT EXPERIAN NEGLECTS TO REMOVE. THESE INQUIRES ARE FRAUD AND NOT VALID. SECOND THIS COMPANY NEVER CONTACTED TO ME TO VALIDATE THESE INQUIRES BEFORE PLACING THEM ON MY CREDIT REPORT 1682C-2. I HAVE SUBMITTED NUMEROUS OF REQUEST AND MY NEXT ACTION IS TO FILE FOR ARBITRATION. THIS IS MY FINAL REQUEST TO HAVE THESE INQUIRES REMOVED. I AM SUBMITTED THIS IN BEHALF OF MYSELF WITH MY IDENTITY 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 2025-03-24 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: AL

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX Balance {$520.00} XXXX XXXXXXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Dear Sir/Madam, I am writing to express my serious concerns regarding potential violations of both the Fair Credit Reporting Act ( FCRA ) and the Family Educational Rights and Privacy Act ( FERPA ) related to the unauthorized access and mishandling of my personal data. It has come to my attention that my sensitive information may have been accessed by an outside party without my consent.

1. Unauthorized Access : The FCRA prohibits any entity from accessing a consumer 's credit report without a permissible purpose. The unauthorized access of my data is a violation of this provision.

2. Improper Disposal of Information : If my data was mishandled or not properly disposed of, this violates the FCRA 's requirement for entities to protect sensitive consumer information.

3. Inaccurate Information : If the mishandling of my data led to inaccurate information being reported about me, this is also a violation of the FCRA.

4. Failure to Provide Notices : If any adverse action was taken against me based on the mishandled data without providing the required notices, this constitutes another violation.

Additionally, under FERPA, I have the right to access my educational records and request corrections to any inaccuracies. If my personal information has been disclosed without my consent or if my educational records have been accessed improperly, this is a clear violation of my rights as a student. FERPA ensures that my educational information is protected, and any unauthorized access undermines that protection.

Due to these serious concerns, I am requesting the removal of my student loans. The mishandling of my personal information and the potential breach of my privacy rights have caused me significant distress. I believe that the circumstances warrant a review of my student loan obligations.

I urge the Department of Education and the credit bureaus to investigate these matters thoroughly to ensure that the rights of students are upheld and that their personal information is not being misused. I appreciate your attention to this important issue and look forward to your prompt response regarding the steps that will be taken to address these concerns. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: OH

Complaint narrative:
Dear Sir/Madam, I am writing to express my serious concerns regarding potential violations of both the Fair Credit Reporting Act ( FCRA ) and the Family Educational Rights and Privacy Act ( FERPA ) related to the unauthorized access and mishandling of my personal data. It has come to my attention that my sensitive information may have been accessed by an outside party without my consent.

1. Unauthorized Access : The FCRA prohibits any entity from accessing a consumer 's credit report without a permissible purpose. The unauthorized access of my data is a violation of this provision.

2. Improper Disposal of Information : If my data was mishandled or not properly disposed of, this violates the FCRA 's requirement for entities to protect sensitive consumer information.

3. Inaccurate Information : If the mishandling of my data led to inaccurate information being reported about me, this is also a violation of the FCRA.

4. Failure to Provide Notices : If any adverse action was taken against me based on the mishandled data without providing the required notices, this constitutes another violation.

Additionally, under FERPA, I have the right to access my educational records and request corrections to any inaccuracies. If my personal information has been disclosed without my consent or if my educational records have been accessed improperly, this is a clear violation of my rights as a student. FERPA ensures that my educational information is protected, and any unauthorized access undermines that protection.

Due to these serious concerns, I am requesting the removal of my student loans. The mishandling of my personal information and the potential breach of my privacy rights have caused me significant distress. I believe that the circumstances warrant a review of my student loan obligations.

I urge the Department of Education and the credit bureaus to investigate these matters thoroughly to ensure that the rights of students are upheld and that their personal information is not being misused. I appreciate your attention to this important issue and look forward to your prompt response regarding the steps that will be taken to address these concerns. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: PA

Complaint narrative:
I am writing to formally dispute the enforceability of my federal student loan agreement on the basis of a **material alteration to the original contract**. 

According to the terms outlined in my promissory note, my loan was issued and administered by the **U.S. Department of Education** . Recent federal action has eliminated or reassigned the Departments responsibilities, with the XXXX XXXX XXXX ( XXXX ) ** now serving as the managing entity. 

This constitutes a **substantial and unilateral alteration of the agreed-upon terms**, materially changing the administrative authority, servicing infrastructure, and potentially the regulatory protections outlined under the original contract. As such, I dispute the continued enforceability of this obligation under its current structure.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-24 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: Eastern Account Systems of Connecticut, Inc.
State: SC

Complaint narrative:
Creditor is reporting inaccurate information to credit bureau. I have already reached out to the creditor and reported fraud and gave police report also.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: CA

Complaint narrative:
THESE INQUIRES ARE A RESULT TO IDENTITY THEFT I NEVER GAVE COMPANIES PERMISSIBLE PURPOSE TO PULL MY CONSUMER REPORT THESE INQUIRES NEED TO BE DELTED IMMEDIATELY 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2025-03-24 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: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: CITIBANK, N.A.
State: ME

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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 have come across several unfamiliar items on my credit report, which leads me to believe that my identity may have been stolen since I did not authorize these accounts. I have previously reported this issue and am now formally requesting the immediate removal of these unauthorized accounts. Their presence is causing me considerable distress, as they inaccurately represent my credit history and financial management. Resolving this matter has been difficult, and if it remains unaddressed, I am prepared to pursue legal action to protect my rights. These incorrect items are severely hindering my financial goals, including purchasing a home and providing for my family. I urge you to address this issue promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to formally dispute the accuracy of the following account information on my credit report : Account Name : XXXX Account Number : XXXX Date Opened : XXXX Date Closed : XXXX Status : Derogatory Limit : {$4000.00} Balance : {$0.00} Last Payment : XXXX Account Type : Flexible Spending Credit Card Although this account has a reported balance of {$0.00}, it is inaccurately listed as derogatory. An account with a {$0.00} balance should not negatively impact my credit report, and the continued derogatory status is misleading and damaging to my credit score. Additionally, the Worst Status is marked as Unknown, which further indicates incomplete and inaccurate reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and complete credit report. I am requesting the following fair resolution : 1. Immediate Removal of the Derogatory Status : Since the balance is {$0.00} and there is no outstanding debt, I request the derogatory status be removed from my credit report. 
2. Correction of Any Related Inaccuracies : If necessary, I request a full investigation into the reporting of this account, ensuring that all information is accurate. 
3. Written Confirmation : Please provide written confirmation once the derogatory status is removed or any corrections are made, along with a copy of my updated credit report. 
4. Compliance with the FCRA : Notify all relevant credit bureaus of any necessary corrections. 

Thank you for your time and assistance in resolving this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: GA

Complaint narrative:
I don't agree with the accounts listed below which still appear on my credit report, even after your Investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 


Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 
Please forward me an updated credit report after you have completed your Investigation and corrections. 
Your cooperation and prompt attention are greatly appreciated. 

Account Name & Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: VA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to correct the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX balanced {$13000.00} XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX balanced {$930.00} XXXX XXXXXXXX XXXX  XXXX balanced {$0.00} XXXX XXXX XXXX XXXX ****balanced {$10000.00} XXXX  XXXX XXXX XXXX XXXX {$260.00} XXXX XXXX balanced {$800.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX balanced {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: VA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to correct the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX balanced {$13000.00} XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX balanced {$930.00} XXXX XXXXXXXX XXXX  XXXX balanced {$0.00} XXXX XXXX XXXX XXXX ****balanced {$10000.00} XXXX  XXXX XXXX XXXX XXXX {$260.00} XXXX XXXX balanced {$800.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX balanced {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: GA

Complaint narrative:
Regulation F Reporting inaccurate information from XXXX party .. Bankruptcy Court do not report inaccurate information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: GA

Complaint narrative:
15 USC 6802 15 USC 1681b Account information inaccurate I am writing to formally request validation of the debt referenced below, as outlined in Regulation F and the Fair Debt Collection Practices Act ( FDCPA ). I recently noticed that a collection account has been reported on my credit report, and I have questions regarding its accuracy.

Please provide the following information : The name and address of the original creditor. 
Date account was opened The full amount of the debt and a breakdown of any interest or fees added. 

Proof that you are authorized to collect this debt. 

Documentation supporting that the debt is valid and that I am responsible for it. 

Until proper validation is provided, I respectfully request that you refrain from reporting this debt to any credit reporting agencies. If the debt is already being reported, I request its removal while the matter is under investigation. 

Please note that this is not a refusal to pay but a request for verification as allowed under the FDCPA.

Company response to consumer: Closed with non-monetary relief