vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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 was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-02 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-02 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 a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

ACCOUNTS : 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 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 2025-06-02 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-02 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: MA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

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 2025-06-02 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: IN

Complaint narrative:
I did not authorize these inquiries. Please remove these inquiries immediately. I have made a FTC Report already.

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 2025-06-02 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: FL

Complaint narrative:
I need you to look into the mistakes on my credit report immediately. These inaccuracies have been stressing me out and its affecting everything. It is disheartening to know that my rights as a consumer is being violated. I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. Make sure all this information is 100 % correct. I want this resolved as soon as possible because I dont want to wait for any more damage to be 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 non-monetary relief
Consumer complaint received 2025-06-02 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:
XX/XX/2025 Consumer Financial Protection Bureau Subject : Illegal Re-Aging and Misreporting of Student Loan Collections To Whom It May Concern, I am filing a formal complaint regarding two accounts reported by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  / XXXX that appear on my credit reports with Experian and TransUnion. These accounts are inaccurately listed as opened in XXXX XXXXXX/XX/XXXX, with multiple missed payments beginning immediately afterward. I did not open a new account with the XXXX XXXX XXXX XXXX XXXX XXXX.

This is a clear case of illegal re-aging of a debt, which violates : FCRA 605 ( c ) ( maximum reporting period ) FCRA 623 ( a ) ( 5 ) ( accurate reporting of Date of First Delinquency ) FCRA 623 ( a ) ( 2 ) ( reporting complete and accurate information ) These tradelines lack historical payment data and were reclassified in a way that causes disproportionate and misleading credit damage. I formally disputed these accounts with the bureaus, and I am now asking the CFPB to review and intervene. 

Requested resolution : Permanent deletion of both tradelines Written confirmation that the original Date of First Delinquency has been properly restored and verified Record of compliance from the credit reporting agencies 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 non-monetary relief
Consumer complaint received 2025-06-02 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: NV

Complaint narrative:
I want my credit report to only reflect accurate information and I hope you know that I take my credit seriously. It's frustrating for me because Ive worked hard to build my credit, and to see it negatively affected by inaccuracies that arent my fault is very disappointing. I'm deeply concerned about the errors on my credit report and these mistakes are causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. This situation is unfair. It is stressing me out and making me anxious.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am a victim of identity theft and unauthorized reporting. I submitted a formal dispute with full supporting documentation to [ Equifax/XXXX XXXX including : FTC Identity Theft Report XXXX # XXXX ) Notarized affidavit Fraudulent itemized list Proof of identity Despite the evidence and protections under FCRA 605B [ 15 U.S.C. 1681c-2 ], this bureau failed to block or delete the clearly fraudulent and unverifiable information within the mandated 4 business days.

Additionally, per FCRA 623 ( a ) ( 6 ), furnishers were required to cease
reporting blocked data. Under FCRA 615 ( f ), no entity may sell or collect debt caused by identity theft once notified. This bureau has failed to comply with all these protections.

I further cite the FTC Opinion Letters to XXXXXXXX XXXX XXXXXXXX ( XXXX ), which confirm that failing to provide verifiable documentation and continuing to report re-aged or unverifiable data violates federal law. 

Furthermore, due to the recent data breaches, my personal data has likely been compromised : XXXX XXXXXXXX XXXX breach exposed SSNs, full names, and licensesdata used to fraudulently open or verify accounts. 
Equifax XXXX XXXX data mishandling included personal financial details. 
XXXX XXXX XXXXXXXX leak and XXXX authentication flaw exposed reports via unsecured URLs.

These security failures make any derogatory data inherently unreliable, and this bureau has failed to meet its legal obligation to assure maximum possible accuracy under 15 U.S.C. 1681e ( b ). 

I request immediate removal of all disputed derogatory items listed in my previous correspondence, proper notice to furnishers, and compliance with the full reinvestigation and blocking requirements under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: NY

Complaint narrative:
To whom it may concern, I recently reviewed a copy of my Experian, Equifax and Transunion I noticed some late payments on my credit report : The inaccuracies are highly injurious to my credit score. 

Account Name : XXXX  Account Number : XXXX Experian : Account status : Closed Balance : {$2300.00} Date Opened : XX/XX/XXXX Equifax : Account status : Closed Balance : {$2300.00} Date Opened : XX/XX/XXXX Transunion : Account status : Closed Balance : {$2300.00} Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Under The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611. 

Please provide the names and business addresses of each individual with whom you verified above, so that I may follow up.

Please send me an updated copy of my credit report after your investigation.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report d
oes not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences
between the consumer and the person making the report ; Delete the above late payments from my consumer report, This agency violates 15 USC 1681.

Furthermore, you also reported inconsistent and inaccurate information on my consumer report. 

Once again, I XXXX XXXX giving your company, 15 days to respond to this matter. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To whom it may concern, I recently reviewed a copy of my Experian, Equifax and Transunion I noticed some late payments on my credit report : The inaccuracies are highly injurious to my credit score. 

Account Name : XXXX  Account Number : XXXX Experian : Account status : Closed Balance : {$2300.00} Date Opened : XX/XX/XXXX Equifax : Account status : Closed Balance : {$2300.00} Date Opened : XX/XX/XXXX Transunion : Account status : Closed Balance : {$2300.00} Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Under The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611. 

Please provide the names and business addresses of each individual with whom you verified above, so that I may follow up.

Please send me an updated copy of my credit report after your investigation.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report d
oes not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences
between the consumer and the person making the report ; Delete the above late payments from my consumer report, This agency violates 15 USC 1681.

Furthermore, you also reported inconsistent and inaccurate information on my consumer report. 

Once again, I XXXX XXXX giving your company, 15 days to respond to this matter. 

Best Regards, 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 2025-06-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I received an unmarked envelope with a XXXX XXXX XXXX  Statement in the mail XX/XX/XXXX, so I went to Capital One Bank ( which bought XXXX XXXX XXXX  ) to close & obtain a refund from an IRA Savings Account which I originally had with XXXX XXXX XXXX  with Statement Closing Date XX/XX/XXXX for {$1600.00} on XX/XX/XXXX. I was told that Capital One does not have any former XXXX XXXX XXXX  CDs'/IRA Savings Accounts ' , and all accounts have been forwarded to XXXX XXXX XXXX  XXXX now known as XXXX XXXX. I telephonically contacted XXXX XXXX ( XXXX # XXXX, XXXX, XXXX ) on XX/XX/XXXX and was informed that I don't have an account with them from Capital OneXXXX XXXX XXXX  with my name, SS #, home address, cell #, and IRA amount given. From there, I was informed to search osc.ny.gov to check if the IRA money was there, but it revealed nothing ; except for a mailed refund check of {$9.00} dated XX/XX/XXXX in accordance with the Abandoned Property Law from State of New York Comptroller State of New York Refund Account, but not for the IRA of {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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 insist that these fraudulent accounts be eliminated from my credit report, as I never opened them and had no knowledge of their existence. Per USC 1681g, I am requesting their deletion within 15 days. Enclosed are relevant documents as proof.

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 2025-06-02 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:
My nonpublic personal information has been unlawfully disclosed to non-affiliated third parties without my consent, violating my privacy rights under federal law, including the Gramm-Leach-Bliley Act. Additionally, the listed items have been furnished without a permissible purpose, in direct violation of FCRA 604 ( 15 U.S.C. 1681b ). Furthermore, under FCRA 605B ( 15 U.S.C. 1681c-2 ).

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 2025-06-02 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: SC

Complaint narrative:
I am submitting this complaint to formally request the Consumer Financial Protection Bureau 's intervention regarding multiple inaccurate and unverified entries on my credit report.

Despite my direct disputes with the credit bureaus and data furnishers, the following accounts remain falsely reported : XXXX XXXX XXXX XXXX : {$1100.00} collection no debt validation provided. 
XXXX XXXX XXXX XXXX  : Charged-off auto loan with unverified payment history. 
XXXX XXXX XXXX : Charged-off account with balance inaccuracies. 
XXXX XXXX XXXX XXXXXXXX : Charge-off with inconsistent closing and delinquency reporting. 
XXXX XXXX XXXXXXXX : Charge-off with unverifiable late payment history. 
XXXX XXXX XXXX : Account reports 120+ days late without proper notice. 
- XXXX XXXX : Paid charge-off still reflecting negatively. 
XXXX XXXX XXXX : {$7600.00} charge-off, never validated. 

These accounts violate multiple provisions of the Fair Credit Reporting Act ( 15 USC 1681 et seq. ), including but not limited to 602 ( a ), 611, 609 ( a ), 623, and Metro 2 compliance reporting standards.

I request that the CFPB launch a formal investigation into these practices and require the immediate deletion of these entries due to the furnishers ' failure to provide verifiable documentation.

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 2025-06-02 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: SC

Complaint narrative:
I am submitting this complaint to formally request the Consumer Financial Protection Bureau 's intervention regarding multiple inaccurate and unverified entries on my credit report.

Despite my direct disputes with the credit bureaus and data furnishers, the following accounts remain falsely reported : XXXX XXXX XXXX XXXX : {$1100.00} collection no debt validation provided. 
XXXX XXXX XXXX XXXX  : Charged-off auto loan with unverified payment history. 
XXXX XXXX XXXX : Charged-off account with balance inaccuracies. 
XXXX XXXX XXXX XXXXXXXX : Charge-off with inconsistent closing and delinquency reporting. 
XXXX XXXX XXXXXXXX : Charge-off with unverifiable late payment history. 
XXXX XXXX XXXX : Account reports 120+ days late without proper notice. 
- XXXX XXXX : Paid charge-off still reflecting negatively. 
XXXX XXXX XXXX : {$7600.00} charge-off, never validated. 

These accounts violate multiple provisions of the Fair Credit Reporting Act ( 15 USC 1681 et seq. ), including but not limited to 602 ( a ), 611, 609 ( a ), 623, and Metro 2 compliance reporting standards.

I request that the CFPB launch a formal investigation into these practices and require the immediate deletion of these entries due to the furnishers ' failure to provide verifiable documentation.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is reporting an XXXX XXXX XXXX XXXX account on my credit report that has previously been removed for identity theft but somehow the account was re-added after it being taken off for fraud.

Company response to consumer: Closed with explanation