vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 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: GA

Complaint narrative:
I am submitting this complaint concerning a bankruptcy case listed on my TransUnion credit report that is inaccurate and unverifiable. The case, listed under Case Number XXXX, is reported as originating from the XXXX XXXX XXXX XXXX 

Upon contacting the court directly, I was informed that they do not report bankruptcy information to credit bureaus. Therefore, the listing on my report was not provided by the court and is not verifiable through any authorized source. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to ensure that all data is accurate, verifiable, and provided by a reliable source. In this instance, the reporting of this bankruptcy entry violates : 15 U.S.C. 1681e ( b ) requiring maximum accuracy of information 15 U.S.C. 1681c-2 allowing consumers to block unverified/fraudulent data 15 U.S.C. 6802 which prohibits disclosure of unverified financial data I respectfully request that this bankruptcy entry be immediately removed from my credit report due to its unverifiable nature. If the issue is not resolved, I will escalate the matter to the CFPB, FTC, and other federal agencies for resolution. 

Thank you for your time and attention. I request a written response confirming the outcome of your investigation within the legally required 30-day period.

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
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. 

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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 non-monetary relief
Consumer complaint received 2025-03-28 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: MD

Complaint narrative:
I discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts from my credit report. 



Acknowledge that the accounts and transactions are fraudulent. 
Immediately remove all fraudulent account and Unauthorized Inquiries charges from my credit report. 
Ensure that no further collection attempts or negative marks are made related to these fraudulent accounts. 

Provide me with written confirmation that my personal information has been secured, and that no further unauthorized actions will occur under my name. 

Compensate me for any damages or negative impacts to my credit score and personal life resulting from this identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-03-28 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit reporting agency to review these accounts ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA
State: NJ

Complaint narrative:
MOHELA has had issues since transferring to their new website and is double reporting one of my loans. Ive submitted disputes more than 3 times but XXXX keeps saying the info is valid and it isnt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: NJ

Complaint narrative:
These are the accounts I marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: TX

Complaint narrative:
Subject : Formal Dispute of Inaccurate Information on TransUnion Credit Report Dear CFPB, I am submitting this formal complaint against TransUnion for multiple violations of the Fair Credit Reporting Act ( FCRA ). Despite my previous disputes, TransUnion has failed to correct the following inaccuracies on my credit report.

Issues with Personal Information : TransUnion must remove the incorrect " Also Known As '' entry for XXXX XXXX. My correct legal name is XXXX XXXX. 

The following address is incorrect and must be removed : XXXX XXXX XXXX XXXX  XXXX, TX XXXX Disputed Negative Accounts ( Unverified and Incorrect ) I have disputed the following accounts, but TransUnion has not provided proper verification within the 30-day timeframe, violating 15 USC 1681i ( a ) ( 1 ) : XXXX XXXX XXXX XXXX XXXXXXXX ) Incorrect balance of {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Incorrect balance of {$5100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Incorrect balance of {$2100.00} Under 15 USC 1681i ( a ) ( 5 ) ( B ), unverified accounts must be deleted. I request immediate removal of these accounts. 

Failure to Remove Unauthorized Credit Inquiries I have previously been a victim of identity theft and did not authorize the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under 15 USC 1681b ( a ), a credit bureau may not provide my credit report without permissible purpose. Since I did not authorize these inquiries, TransUnion must remove them immediately.

Failure to Follow Reinvestigation Protocol Under 15 USC 1681i ( a ) ( 6 ) ( B ) ( 3 ), TransUnion is required to conduct a reasonable investigation and provide a detailed explanation of its findings. I request the description of reinvestigation procedures per 15 USC 1681i ( a ) ( 7 ), which must be provided within 15 days. 

Requested Resolution : Remove the incorrect name ( XXXX XXXX XXXX and address ( XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX ). 

Delete the unverified accounts ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ). 

Remove unauthorized credit inquiries ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

Provide the reinvestigation procedure details as required by 15 USC 1681i ( a ) ( 7 ). 

TransUnions failure to comply with FCRA places them in violation of federal law, and I expect immediate corrective action. If these issues are not resolved promptly, I will escalate my complaint to state and federal regulators, the FTC, and legal counsel for further action.

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 2025-03-28 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 explanation
Consumer complaint received 2025-03-28 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: MI

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. XXXX I am submitting a formal dispute regarding late payment entries reported within the past XXXX years on my credit file. These late payments resulted from unauthorized interference with my financial accounts due to a cybersecurity breach on my mobile device. As they are not a reflection of my financial behavior, I am requesting their immediate removal. 
XXXX XXXX : I unknowingly downloaded a XXXX application on my mobile device. This XXXX, intended for privacy protection, contained security vulnerabilities that allowed unauthorized users to access my device. As a result : XXXX. Unknown third parties gained access to my financial login credentials. 
XXXX. My automatic payment settings were altered without my knowledge. 
XXXX. This interference led to the late payments that are now inaccurately reflected on my credit report. FCRA & Federal Violations Committed : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or unverifiable data. Since these late payments resulted from unauthorized external interference, they are inaccurate and must be removed immediately. Additionally, under FCRA 1681i, I have the right to dispute any information that can not be fully substantiated. The late payments in question do not meet verification requirements due to the nature of the incident.

Furthermore, the Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693g ( a ) states that consumers can not be held liable for unauthorized electronic transactions. Since my account settings were tampered with, these late payments were not my responsibility and should not be attributed to me.

Requested Resolution : I am requesting the following actions : 1. Immediate removal of all late payments from the past two years that were impacted by this unauthorized interference.

2. A written confirmation verifying that these late payments have been removed.

3. A compliance review to ensure that my account information is reported accurately in accordance with federal regulations.

If action is not taken to resolve this matter, I will have no choice but to pursue small claims court proceedings to ensure that my rights under FCRA and EFTA are upheld. However, I trust that in good faith, you will follow the law regardless, and I hope this will be resolved amicably. Please confirm resolution of this dispute at your earliest convenience.

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Debt Validation Request Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX I am writing in response to your attempt to collect an alleged debt, referenced as Account Number XXXX Under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( 15 U.S.C. 1692g ), I formally request validation of this debt. Additionally, under the FairCredit Reporting Act ( FCRA ), if you can not provide adequate validation, I demand that this account be deleted from my credit report.

Please provide the following documentation as proof of the alleged debt : 1. A copy of the original signed agreement or contract establishing my obligation to pay.

2. A full account history showing the original creditor, amount owed, and payment history.

3. Verification that you are legally authorized to collect this debt in my state.

4. Proof that the alleged debt has not been paid, settled, or discharged.

If you can not provide adequate validation within 30 days, you must cease collection efforts and remove any negative reporting related to this debt from all credit bureaus in compliance with theFCRA and FDCPA. Failure to do so may result in legal action against your company.

Please respond in writing to the address provided above. I request that all future communications be in writing only.

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 2025-03-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a 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 2025-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MS

Complaint narrative:
Someone emptied out my account which had XXXX in it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: FL

Complaint narrative:
I am a victim of identity theft and have submitted formal disputes regarding XXXX unauthorized accounts : XXXX XXXX XXXX XXXX XXXXXXXX. I did not open or authorize either account. I submitted an FTC Identity Theft Report, supporting documentation, and requested removal of these accounts from my Experian credit report as required under the Fair Credit Reporting Act ( FCRA ). Despite my attempts and the legal obligations Experian has under the FCRA and FTC guidelines, these accounts remain on my credit file. I am requesting the Consumer Financial Protection Bureaus assistance in enforcing my rights and ensuring that Experian complies with federal law by immediately removing these fraudulent accounts 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 explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, opened : XXXX XXXX - ( {$3300.00} ) Account # XXXX, opened : XXXX XXXX - ( {$540.00} ) Account # XXXX, opened : XXXX XXXX - ( {$1000.00} ) I requested validation for all three account and received no response from them. Yet they still report the accounts on XXXX, XXXX and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 explanation
Consumer complaint received 2025-03-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I received an alert that a loan was overdue from my credit report service alert system. I checked my credit report and have been filing disputes with XXXX inaccurate items or wrong data on my report. I have court documents and have spoken directly to the company. XXXX company that is listed as XXXX with the phone number listed is stating they have no account in my name, therefore I have requested Experian to remove that item from my report. On a previous report I was in good standing for XXXX and XXXX XXXXWhen Experian claimed they did an investigation and claimed the information is accurate Experian then changed the two months that was current to 120 days past due. This activity on the credit reporting agency is suspicious. XXXX, ,the account holder has told me there is no account in my name with them. If there is no account how are they reporting Im in past due status. The credit reporting agency is not accurately updating information after the correct information is given to them from the consumer. The number I have contacted is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have spoke to XXXX and XXXX and stated their is no account in my name with them, so then why is it on my credit report. 
I have also disputed a fraud account on my report and the credit reporting agency refuse to investigate properly. None of the information is accurate and my consumer rights have been violated. When its a credit collection, you usually receive some sort of notice of debt owed. I have not received any notices, phone calls or legal notices I owe a debt for two companies I have been disputing since last year. The credit reporting agency refuse to remove these two items after several attempts. Each of The credit reporting refuse to correct and change inaccurate information to accurate 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 explanation