vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX, I opened a revolving charge account with XXXX, which had a credit limit of approximately {$300.00}. I used the account responsibly and maintained a {$0.00} balance with no missed or late payments. 

In early XXXX, the account was closed automatically by the credit grantor due to inactivity not due to any payment issues or defaults. Since then, the account has been reporting differently across credit bureaus. 

Specifically : TransUnion reports the account as " Closed '' with {$0.00} credit limit and {$0.00} high credit, and states it was " Cancelled by grantor. '' Experian reports it as " Paid '' and includes a comment that it was " Closed due to inactivity, '' but also omits key account usage data. 

Equifax reports a {$300.00} high credit but does not clearly list the credit limit or date of last activity. 

The account was never delinquent, and I believe some of the reported information is either incomplete or may negatively impact my credit profile due to inconsistent closure comments or missing data.

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting ti my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting ti my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Re : SWORN STATEMENT DISPUTE Full Name : XXXX XXXX XXXX Social Security # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XXXX XXXX XXXX XXXX Current Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX GA Legal Department, This credit dispute is being submitted as a new evidence dispute . The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues. 

It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621.

The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, Which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 



PLEASE DELTLE AND BLOCK NO LATER THAN 5 BUSINESS DAYS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Re : SWORN STATEMENT DISPUTE Full Name : XXXX XXXX XXXX Social Security # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XXXX XXXX XXXX XXXX Current Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX GA Legal Department, This credit dispute is being submitted as a new evidence dispute . The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues. 

It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621.

The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, Which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 



PLEASE DELTLE AND BLOCK NO LATER THAN 5 BUSINESS DAYS

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established. 

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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. 

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established. 

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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. 

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date : XX/XX/XXXX To : Experian XXXX XXXXXXXX XXXX XXXX, TX XXXX Subject : Identity Theft Dispute Request for Blocking of Fraudulent Accounts Under 15 U.S.C. 1681c-2 Dear Experian, I am submitting this letter to dispute and request the blocking of fraudulent accounts on my Experian credit report, in accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). I am a victim of identity theft and did not authorize the creation, use, or reporting of the accounts listed below. 

These accounts are not mine and were fraudulently established or misused without my consent. Under federal law, you are required to block these items from my file within four ( 4 ) business days of receiving proper documentation. 

Fraudulent Accounts to Be Blocked : 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 Multiple severely delinquent student loan accounts Enclosed Documents : FTC Identity Theft Report ( via XXXX ) Copy of Government-issued ID Social Security card ( SSN ending in XXXX ) Proof of current address ( utility bill or lease ) As permitted under 15 U.S.C. 1681c-2, no police report is required. I am providing the required documentation to validate this request and insist on the following actions : Block and permanently remove the above-referenced accounts Notify all data furnishers of the block Confirm in writing that the block has been completed Should Experian fail to fulfill these legal obligations within the required timeframe, I will file formal complaints with the Consumer Financial Protection Bureau XXXX CFPB ) and pursue additional remedies as allowed by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX DOB : XX/XX/XXXXXXXX  SSN : XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Email : 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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Subject : Failure to Locate Account Unverifiable Credit Reporting To Whom It May Concern, This letter is in response to your correspondence dated XX/XX/year>, regarding my complaint submitted to the Consumer Financial Protection Bureau XXXX 

You stated that you are unable to locate an account associated with the information I provided. However, XXXX ( or a party reporting under the name DPT EDXXXX ) is furnishing one or more derogatory accounts to the consumer reporting agencies under my name. These accounts contain late payment notations and remain visible on my credit reports. 

If you are furnishing information to the credit bureaus that you can not verify, you are in violation of federal law. 

Under the Fair Credit Reporting Act, the following apply : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Duty not to furnish information known to be inaccurate 15 U.S.C. 1681s-2 ( b ) : Obligation to investigate and correct disputed information If you are not the party furnishing the data, I request you confirm in writing who is. If you are the furnisher but can not verify the account, you must : Immediately stop reporting the account to XXXX, Experian, and XXXX  Submit formal deletion requests to all three credit bureaus Provide written confirmation that the account has been deleted I reserve all rights and remedies under state and federal law and will continue to escalate this matter through regulatory channels if no resolution is reached. 

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
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Subject : Failure to Locate Account Unverifiable Credit Reporting To Whom It May Concern, This letter is in response to your correspondence dated XX/XX/year>, regarding my complaint submitted to the Consumer Financial Protection Bureau . 

You stated that you are unable to locate an account associated with the information I provided. However, XXXX ( or a party reporting under the name DPT EDXXXX ) is furnishing one or more derogatory accounts to the consumer reporting agencies under my name. These accounts contain late payment notations and remain visible on my credit reports. 

If you are furnishing information to the credit bureaus that you can not verify, you are in violation of federal law. 

Under the Fair Credit Reporting Act, the following apply : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Duty not to furnish information known to be inaccurate 15 U.S.C. 1681s-2 ( b ) : Obligation to investigate and correct disputed information If you are not the party furnishing the data, I request you confirm in writing who is. If you are the furnisher but can not verify the account, you must : Immediately stop reporting the account to Equifax, XXXX, and XXXX  Submit formal deletion requests to all three credit bureaus Provide written confirmation that the account has been deleted I reserve all rights and remedies under state and federal law and will continue to escalate this matter through regulatory channels if no resolution is reached. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Subject : Failure to Locate Account Unverifiable Credit Reporting To Whom It May Concern, This letter is in response to your correspondence dated XX/XX/year>, regarding my complaint submitted to the Consumer Financial Protection Bureau . 

You stated that you are unable to locate an account associated with the information I provided. However, XXXX ( or a party reporting under the name DPT EDXXXX ) is furnishing one or more derogatory accounts to the consumer reporting agencies under my name. These accounts contain late payment notations and remain visible on my credit reports. 

If you are furnishing information to the credit bureaus that you can not verify, you are in violation of federal law. 

Under the Fair Credit Reporting Act, the following apply : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Duty not to furnish information known to be inaccurate 15 U.S.C. 1681s-2 ( b ) : Obligation to investigate and correct disputed information If you are not the party furnishing the data, I request you confirm in writing who is. If you are the furnisher but can not verify the account, you must : Immediately stop reporting the account to XXXX, XXXX, and TransUnion Submit formal deletion requests to all three credit bureaus Provide written confirmation that the account has been deleted I reserve all rights and remedies under state and federal law and will continue to escalate this matter through regulatory channels if no resolution is reached. 

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