vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX - XXXX XXXX - XXXXXXXX XXXX - XXXX XXXX - XXXX XXXX  - XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX  - XXXX XXXXXXXX XXXX XXXXXXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXX ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-17 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:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2025-08-17 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: NY

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2025-08-17 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: UT

Complaint narrative:
Contacted Experian about a list of loans that are listed as CFA when they are BNPL. Half of the accounts were correct but the other half not correct. I disputed the half that were incorrectly showing because they are negatively affecting my credit score. I contacted Experian via their dispute site on XX/XX/XXXX. On XX/XX/XXXX, without review, they auto rejected the contact and did not change the classification of the loans.

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 2025-08-17 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: VA

Complaint narrative:
Reporting Inaccurate information on my report is violating FRCA Laws. You must report accurate information. XXXX XXXX accounts, XXXXXXXX XXXX and XXXX XXXX XXXX Are all showing late payments. You must update this to On-time and delete late payment 's. 

XXXX Is reporting all on-time which shows XXXX percent accuracy I have attached the reports for XXXX. 

thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Reporting Inaccurate information on my report is violating FRCA Laws. You must report accurate information. XXXX XXXX accounts, XXXXXXXX XXXX and XXXX XXXX XXXX Are all showing late payments. You must update this to On-time and delete late payment 's. 

XXXX Is reporting all on-time which shows XXXX percent accuracy I have attached the reports for XXXX. 

thank you

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: FL

Complaint narrative:
Please delete old closed accounts and remove all inquiries/remarks immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: NY

Complaint narrative:
I am a victim of identity theft my information was exposed during the data equifax data breach I noticed an account that doesn't belong to me reporting on my credit. PLEASE see all supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: CA

Complaint narrative:
I am formally disputing the inaccurate and unauthorized reporting of the following accounts. 
These accounts are the direct result of identity theft and have been illegally reinserted on my credit report without proper verification or notice. 


-- - Accounts in Dispute 1. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$250.00} Date of Last Activity : XX/XX/XXXX Status : Derogatory Collection/Charge-off -- - Grounds for Dispute 1. Identity Theft No Authorization I did not authorize or open these accounts. I have no contractual or financial relationship with these furnishers. These are fraudulent accounts resulting from identity theft. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), I demand immediate blocking and deletion of these accounts.

2. Factual Inaccuracies Dates reported are fabricated and inconsistent.

Balances and payment history are misrepresented. 

Statuses are reported incorrectly, creating a false and damaging picture of my creditworthiness.

3. Violation of FCRA 1681b No Permissible Purpose The furnishers had no lawful basis to access or report my credit information. This constitutes an impermissible use of my consumer file.

4. Metro 2 Compliance Failures These accounts are not reported according to Metro 2 standards. Missing fields, conflicting Date Opened vs. Date of Last Activity, and incorrect status codes all violate reporting guidelines.

5. Previously Deleted & Illegally Reinserted These items were previously disputed and deleted. Reappearance without proper verification or written notice within 5 business days violates FCRA 611 ( a ) ( 5 ) ( B ).

Statutory Time-Barred Accounts These accounts are beyond the statutory reporting period under FCRA 605 ( a ) and should not be included on my consumer file. Continued reporting of obsolete accounts is unlawful.

7. Pattern of Abuse Diversified Adjustment and other furnishers associated with these accounts have a history of CFPB enforcement actions. Equifaxs continued reporting of unverifiable data makes you complicit in ongoing consumer harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: AL

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), you are legally obligated to block and DELETE all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA XXXX and XXXX for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



List of Unauthorized Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-17 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: VA

Complaint narrative:
I, XXXX XXXX, am filing this formal complaint against TransUnion and Experian for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, as well as noncompliance with Metro 2 reporting standards and the E-OSCAR dispute system. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Reported by both TransUnion and Experian as a collection with a {$5600.00} balance. 
- Original balance reported as {$3200.00}, yet the account reflects inflated and inconsistent balances. 
- Status updates contain contradictory dates and unverifiable reporting spanning from XXXX. 
- Scheduled removal dates conflict between bureaus ( XX/XX/XXXX vs. XX/XX/XXXX ). 
- Violates FCRA 1681e ( b ) ( failure to maintain accuracy ) and 1681i ( failure to conduct reinvestigation ). 

XXXX. XXXX XXXX XXXX ( Account No. XXXXXXXX XXXX XXXX XXXX XXXX ) - Reported by both TransUnion and Experian as a collection with a {$310.00} balance, originally from XXXX XXXX XXXX. 
- The account continues to report as open and past due with no verifiable contractual obligation provided. 
- Reporting does not comply with Metro 2 standards for collections ( e.g., balance history inconsistencies, failure to update accurate status ). 
- Scheduled removal dates conflict between bureaus ( XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX ). 
- Violates FCRA 1681e ( b ), 1681i, and 1681s-2. 

Violations Identified : - Failure to ensure maximum possible accuracy under FCRA 1681e ( b ).

- Failure to properly investigate consumer disputes under 1681i.

- Furnishing information without verifying accuracy in violation of 1681s-2. 
- Improper use of Metro 2 compliance fields, leading to misleading and inconsistent reporting.

- Continuing to report unverifiable and inaccurate information despite prior disputes.

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXXXXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. These fraudulent accounts are a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX on XX/XX/XXXX, XXXX under the account number XXXX, a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. There is also a fraudulent inquiry at XXXX XXXX XXXX on XX/XX/XXXX appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account, or XXXX  inquiry as reported. The aforementioned account, and XXXX inquiry appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account, and XXXX  inquiry are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX, XXXX as proof from the XXXX Federal Trade Commission that the aforementioned consumer credit account, and XXXX  inquiry are the result of identity theft and fraud. I request, pursuant to FCRA XXXX ( XXXXXXXX XXXX XXXXXXXX ), that the Experian credit reporting agency block all of the accounts, collections, and XXXX  inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX.

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 2025-08-17 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: VA

Complaint narrative:
Subject : Formal Debt Dispute, Request for Validation, and Prohibition on Sale or Transfer Dear XXXX, TRANSUNION, & EQUIFAX ACCOUNTS : XX/XX/XXXX Inquired on XX/XX/XXXX XX/XX/XXXX Inquired on XX/XX/XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXX XX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XX/XX/XXXXXXXX Inquired on XX/XX/XXXX Business Type : Automobile Dealers, Used This is a formal dispute of the above-referenced alleged debt and a request for validation. This is not an acknowledgment of liability.

To the Debt Collector ( FDCPA 15 U.S.C. 1692g ) : I requ
est that you provide complete validation of this debt, including : 1. The exact amount of the alleged debt, with a detailed itemization of all interest, fees, and charges.

2. The full name and address of the original creditor.

3. A complete payment history and accounting showing how the balance was calculated.

4. Copies of all signed contracts, agreements, or documents that prove my legal obligation to pay.

5. Documentation proving your authorization to collect in my state.

Until this is provided in writing : You are prohibited from selling, transferring, or assigning this debt to another entity.

You must cease all collection activity, including reporting or continuing to report to any credit bureau.

To the Credit Bureaus ( FCRA 15 U.S.C. 1681i ) : I dispute the accuracy and completeness of this account in my credit file. Under the FCRA, you are required to : Conduct a reasonable reinvestigation of the account. 
Verify the account with complete and accurate documentation from the furnisher ( debt collector ). 
Remove or correct the account if the furnisher fails to provide sufficient evidence within the statutory timeframe. 
Please delete these unauthorized inquiries Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office, and may result in legal action. 

I expect a written response within 30 days from receipt of this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion Address : XXXX XXXX XXXX XXXX XXXX XXXX RE : Request for Complete File Disclosure Under Fair Credit Reporting Act Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX To Whom It May Concern : Pursuant to 15 U.S.C. 1681g ( Section 609 of the Fair Credit Reporting Act ), I hereby request complete disclosure of my consumer reporting file. This request is made under my rights as a consumer to obtain all information pertaining to me that is contained in your files.

Specifically, I am requesting disclosure of : 1. ALL INFORMATION currently contained in my consumer file, including but not limited to : Account information and payment history Public records Collection accounts Inquiries ( hard and soft ) Personal identifying information Any notations, codes, or comments 2. THE SOURCES of all information contained in my file, as required under Section 609 ( a ) ( 1 ) ( B ) 3. ALL RECIPIENTS of consumer reports containing my information within the past XXXX years for credit, insurance, employment, or other permissible purposes ( XXXX year for employment purposes ), as required under Section 609 ( a ) ( 1 ) ( C ) 4. Any CREDIT SCORES or risk scores generated using information from my file, including the key factors affecting my score, as required under Section 609 ( a ) ( 2 ) 5. A SUMMARY OF MY RIGHTS under the Fair Credit Reporting Act, as required under Section 609 ( a ) ( 3 ) Please provide this information in writing within the timeframe required by law. If any information is coded, please provide the meaning of all codes used. 
I have enclosed a copy of my government-issued identification to verify my identity. 
Current Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX If you can not comply with this request in full, please provide a written explanation citing the specific legal basis for any denial or partial compliance. 
This request is made under penalty of perjury, and I certify that I am the individual to whom this credit file pertains. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation