vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-26 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: OH

Complaint narrative:
I am submitting this follow-up complaint to formally reiterate that the continued reporting of the following accounts and inquiries is unlawful and inconsistent with federal statutes. Despite multiple disputes and the submission of an FTC Identity Theft Report ( Report Number : XXXX ), these items remain inaccurately listed on my credit file, violating the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. 

Disputed Accounts : XXXXXXXX XXXX # XXXX Listed as Charge Off XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Reported as Late Payment Under 15 U.S.C. 1681i, consumer reporting agencies are required to conduct a reasonable reinvestigation and remove unverifiable or inaccurate data within 30 days. Additionally, under 15 U.S.C. 1681c-2, bureaus are required to block fraudulent information from a victims file within four business days of receiving proper identity theft documentation. These legal obligations have been ignored. 

Furthermore, reporting a charge-off such as XXXX XXXX # XXXX may have tax implications. Under 26 U.S. Code 6050P, any canceled debt of {$600.00} or more requires the creditor to issue a Form 1099-C. I have never received such documentation, making this " charge-off '' misleading and legally questionable. 

Disputed Unauthorized Inquiries : XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As defined under 15 U.S.C. 1681b, no entity may access a consumer credit report without a permissible purpose. I have not authorized any of the above inquiries and demand immediate removal or documented proof of permissible authorization.

Attached Supporting Documents : Updated FTC Identity Theft Report Formal dispute letter All prior communications and dispute records The continued failure to comply with FCRA and IRS standards not only violates my rights but mirrors the ongoing CFPB litigation against credit bureaus for systemic misconduct. These unresolved violations have caused me serious financial harm, including loan denials, employment rejections, and emotional distressgrounds for damages under 15 U.S.C. 1681n and 1681o.

I am formally disputing a total of 9 items : 2 Negative Accounts 7 Unauthorized Inquiries I demand immediate deletion of the listed items. Should you fail to act, I will escalate this matter to federal enforcement and consider legal action to protect my rights.

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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: NC

Complaint narrative:
I have been the victim of a data breach resulting in fraudulent accounts on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), kindly block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$21000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8200.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$35000.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX Date : 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 2025-05-26 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: CA

Complaint narrative:
This letter serves as notice that my credit report has fraudulent accounts due to a data breach. 
Pursuant to Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts LA XXXX XXXX Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$00.00} Inquiries XXXX  Date : XXXX XXXX XXXX  XXXX Date XXXX XXXX XXXX Date : XXXX XXXX Date : XXXX XXXX XXXX XXXX Date : 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 2025-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: AMERIS BANCORP
State: GA

Complaint narrative:
Updated Complaint Regarding Ameris Bank Retaliatory Foreclosure Notice Following Prior CFPB Complaint On XX/XX/year>2025, I submitted a formal complaint to the Consumer Financial Protection Bureau ( Complaint ID : XXXX ) regarding Ameris Banks prolonged failure to process my mortgage loan modification in good faith over a five-year period. Despite that filing, Ameris Bank has escalated matters in a manner that appears retaliatory. 

On XX/XX/scrub>, 2025, I received an official foreclosure notice from Ameris Bankjust two weeks after my CFPB complaint was filed. This action was taken without any update on the status of my current mortgage modification application, despite multiple inquiries and documentation submitted. No Ameris Bank representative has called, emailed, or made any good-faith attempt to resolve this issue with menot now, nor at any point in the last five years. 

This lack of communication, paired with an abrupt foreclosure notice immediately following my formal complaint, suggests retaliation rather than cooperation. It is deeply concerning and continues to cause significant emotional and financial distress. I am a working XXXX  serving XXXX XXXX  in my community and simply wish to resolve this matter fairly and keep my home.

I am respectfully requesting urgent intervention by the Consumer Financial Protection Bureau to investigate Ameris Banks conduct and prevent unjust foreclosure while my loan modification application remains under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I've disputed the inaccurate bankruptcy account on my credit report with all three credit bureaus. Experian, TransUnion and Equifax. They have all stated in writing that they received the information from XXXX XXXX Consumer Center. I received my current XX/XX/year>, Consumer Report from XXXX XXXX and there is no bankruptcy on my Comsumer report from XXXX XXXX. I contracted the bankruptcy court, and they also stated in writing that they do not provide information to any of the three credit bureaus. I would like this inaccurate information removed from my credit report. The agency and source that the credit bureaus stated they received their information from, does not have any bankruptcy listed on my consumer credit report. Therefore, this is inaccurate information. I'm updating this complaint to add additional documentation, that could not be accessed because of a security code from 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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I've disputed the inaccurate bankruptcy account on my credit report with all three credit bureaus. Experian, TransUnion and Equifax. They have all stated in writing that they received the information from XXXX XXXX Consumer Center. I received my current XX/XX/year>, Consumer Report from XXXX XXXX and there is no bankruptcy on my Comsumer report from XXXX XXXX. I contracted the bankruptcy court, and they also stated in writing that they do not provide information to any of the three credit bureaus. I would like this inaccurate information removed from my credit report. The agency and source that the credit bureaus stated they received their information from, does not have any bankruptcy listed on my consumer credit report. Therefore, this is inaccurate information. I'm updating this complaint to add additional documentation, that could not be accessed because of a security code from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has reported inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite previous disputes, Equifax has failed to provide proper validation as required under 15 U.S.C. 1681i ( a ), which mandates a reasonable reinvestigation of disputed information.

Under FACTA Title I, Section 151, consumer reporting agencies must ensure that all reported data is accurate, complete, and properly verified. Furthermore, 15 U.S.C. 6801 of the GLBA imposes a duty to protect the accuracy and confidentiality of consumer information, which includes preventing the dissemination of incorrect data.

Additionally, the Truth in Lending Act ( TILA ), under 15 U.S.C. 1601 et seq., emphasizes the importance of clear and accurate financial disclosures. Any failure to provide verifiable and accurate information not only violates consumer rights but also subjects Equifax to regulatory penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: FL

Complaint narrative:
Please be advised that my credit report has been compromised due to a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting the blocking and removal of fraudulent accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX  Balance : {$480.00}

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 2025-05-26 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: FL

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : 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 Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-05-26 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: GA

Complaint narrative:
A repossession was placed on my credit report by XXXX. The car has been paid off and I own the title.

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 2025-05-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Self Financial Inc.
State: GA

Complaint narrative:
Self Financial admits to my secured credit card through them has been closed in XXXX. However, they are still charging me fees on a closed account and refuse to do anything about it, even though they have admitted over the phone, multiple times, that the account has been closed In XXXX of XXXX, I simply paid off the false balance to hopefully get rid of them .... and they continue to charge me I've filed disputes with credit reporting agencies, and won those disputes, simply for self to re-post that I am deliquent on charges that I should even be having.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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 am submitting this complaint against XXXX XXXX XXXX concerning account number XXXX, which was allegedly opened on XX/XX/XXXX. I believe that XXXX XXXX XXXX has acted unfairly and possibly in violation of my consumer rights. 

I have concerns about the validity and handling of this account. I do not have a clear recollection of opening or authorizing this debt, and I have requested verification and proper documentation regarding the origin and details of the account. Despite my efforts to obtain this information from XXXX XXXX XXXX, including a dismiss with prejudice that was filed and closed. I have not received satisfactory responses. 

I am requesting that XXXX XXXX XXXX cease all collection efforts until the debt has been properly validated and that any negative reporting to the credit bureaus related to this account be removed or paused during the dispute process. 

This situation has caused unnecessary stress and may negatively affect my credit and financial standing. I am asking the Consumer Financial Protection Bureau to review this matter and assist in ensuring that my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) are fully respected. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2025-05-26 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: CT

Complaint narrative:
I tried to make sure the TransUnion, equifax and XXXX  updated my maiden name to my married name. I also asked them to remove addresses I have not lived at in years. My maiden last name is XXXX. My married last name is XXXX. My current accurate address is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. There are also reported names misspelled. 
This is causing my score to also be low. I do not recall the dates of requesting these changes. They were not done.

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 2025-05-26 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: EQUIFAX, INC.
State: AR

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC
State: SC

Complaint narrative:
XXXX  account # XXXX I'm unaware of this dispute and did not have the opportunity to dispute this account. If you believe you sent the proper notification, please provide " certified mail '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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:
My repeated attempts to resolve the fraudulent, inaccurate, and misleading information on my consumer report have been met with inaction, leaving these unauthorized entries intact and continuing to damage my financial standing. These false records have profoundly impacted my life, generating significantXX/XX/XXXX and XX/XX/XXXX that affects my daily functioning and peace of mind. As an identity theft victim, I never authorized or consented to having this harmful information associated with my name.

Company response to consumer: Closed with non-monetary relief