vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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: IN

Complaint narrative:
Im writing to inform you that Ive fallen victim to a data breach, and fraudulent accounts have been added to my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request that you block and remove the following accounts from my report 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 Address : XXXXXXXX XXXX XXXX XXXX XXXX IN XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3300.00} XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$710.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$260.00} Inquiries 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 2025-06-05 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: IL

Complaint narrative:
TransUnion is willfully refusing to comply with its legal obligations under 15 U.S.C. 1681c-2 ( Section 605B of the FCRA ). Despite being provided with a valid identity theft report, sworn affidavit, and all required documentation, TransUnion declined to block fraudulent accounts ( XXXX XXXX and XXXX XXXX ) claiming the accounts had prior payments or were opened before the identity theft was reported. This reasoning is not supported by the law. 

Violation Details : Section 605B of the FCRA clearly states that upon receipt of a proper identity theft report and supporting documentation, the consumer reporting agency must block the reporting of any information that resulted from identity theft within four business days. TransUnion does not have legal discretion to refuse a block because of alleged payment history, ownership questions, or account age.

Their denial letter accuses the victim of making a misrepresentation of material fact which is a baseless and defamatory assertion. There is no requirement under the FCRA for consumers to provide proof of criminal prosecution or creditor letters in order to block fraudulent data. TransUnion is intentionally misapplying the law and burdening the victim with standards not found in the statute.

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 2025-06-05 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for XXXX and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for XXXX and willful noncompliance under XXXX XXXX XXXX XXXX, 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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"

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 2025-06-05 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: FL

Complaint narrative:
Subject : Formal Complaint Inaccurate and Harmful Reporting by XXXX  XXXX XXXX in Violation of Federal Consumer Laws To Whom It May Concern : I am submitting this complaint against XXXX XXXXXXXX XXXX regarding a closed account that continues to be inaccurately reported on my credit reports, generating serious inconsistencies, confusion, and harm to my creditworthiness. 

What Is Happening : The account in question shows as closed but still reflects multiple late payments on my Experian credit report. 

The late payments are dated after the accounts closure, which raises questions about the accuracy and integrity of the information furnished. 

The account is not reported at all on XXXX, and XXXX shows a different number of delinquencies, creating further inconsistencies. 

I have disputed this account multiple times and have not received proper validation, documentation, or evidence supporting the reported delinquencies. 

The current reporting contradicts the actual payment and closure history, and continues to damage my ability to access fair credit opportunities. 

Laws Being Violated : Fair Credit Reporting Act ( FCRA, XXXX U.S. CXXXX  XXXX, XXXXi ) : Furnishers must report only accurate and verifiable information. 

CRAs must conduct reasonable reinvestigations upon dispute. 

No such reinvestigation has been properly documented or disclosed. 

Truth in Lending Act ( TILA ) : The reporting of late payments post-closure misrepresents the status and terms of the account. 

This impacts transparency and the proper disclosure of my credit history to other lenders. 

Equal Credit Opportunity Act ( ECOA ) : The incorrect and damaging information has the potential to cause unjust credit denials or more expensive terms, which constitutes unequal treatment under the law. 

Gramm-Leach-Bliley Act ( GLBA ) : The inaccurate handling and dissemination of my financial data suggests failure in maintaining data integrity and protecting consumer information as required.

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 2025-06-05 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: NC

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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:
Please remove items from my credit report as they do not belong to me : 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 Department of Education Acct-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

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 2025-06-05 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:
I am writing regarding fraudulent accounts resulting from a data breach that has affected my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please remove and block these 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 Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX TX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$7900.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$43000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9600.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX Date : XX/XX/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 explanation
Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
I am writing regarding fraudulent accounts resulting from a data breach that has affected my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please remove and block these 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 Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX TX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$7900.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$43000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9600.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: NV

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Total Card, Inc.
State: NJ

Complaint narrative:
I applied for this card under the assumption that it came with today 's technology. I received a card without a chip. I tried at dozens and dozens of businesses both in person and online ( all within the US ) and they all told me the same thing. Besides very few small, old, outdated business, that still carry the equipment to process non chip cards, 99 % of places DO NOT accept them. Im delined everywhere. I have found 1 company over 3 years at possibly 50 different places that accepted it. I paid that balance and haven't been able to use it since. I have called numerous times aboit this issue but today, I escalated it to a supervisor for the first time to see how I can resolve this. I told her my issues and her only 2 options were to close the account and take the hit to my credit for a closed account being on there for 7 years, or keep it open and continue to pay their expensive yearly fees WITHOUT being able to use their services. I asked if she could waive the yearly fee so this wouldnt negatively effect me and she said no. She stayed the yearly fees would still have to be paid if I kept the account open even if i couldnt use it. and if I close the account, I get a hit on my credit, will drop my score and look bad on ME. According to her, there are XXXX other options. Its completely unprofessional as a company to not only send me outdated card, but they also never disclosed that the card didnt have a chip when I applied or else I never would have applied at all. Its XXXX  and I know that businesses are growing to newer tech and that chips are going to disappear completely VERY soon due to lack of businesses that accept them. Its also unnerving that she stated on the phone she wouldn't get this card herself and that she agreed it wasn't right but they couldn't even waive a yearly fee to make this right for me. Im working to get a mortgage right now and this would set me back and its just genuinely not good business practice to make the customer feel this helpless. Its their outdated issue that they need to make right and I, as the client, shouldn't have to chose between paying them yearly for nothing in return or a credit hit. I told them I'd be making this report and they still said they couldn't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXXe ( b ) and XXXX USC XXXXi, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
To Whom It May Concern, I am writing in response to the recent submission by Portfolio Recovery Associates regarding an alleged debt they claim I owe. I strongly dispute the validity and ownership of this debt and assert that the documents Portfolio Recovery recently uploaded are fabrications that were never sent to or received by me. I have not previously seen these documents, and they were never delivered to my address or email. 

I do not acknowledge, validate, or accept ownership of this alleged debt. My last legitimate communication regarding this account was directly from XXXX XXXX, not Portfolio Recovery. In XXXX, I received a statement from XXXX XXXX, and a payment was made the following month. After that, I was inexplicably locked out of my online XXXX XXXX account. When I contacted XXXX XXXX for clarification, I was informed that there was no active account on file under my information, and no further communications were ever sent to me. 

The abrupt termination of access, lack of communication, and sudden appearance of this collection account without proper notification raises serious concerns. I never received any notification of charge-off, transfer, or sale of this account to any third party, including Portfolio Recovery. 

This account should be removed from my credit file immediately as it is unverified, unvalidated, and based on questionable documentation. I am formally requesting that the CFPB ensure Portfolio Recovery provide concrete proof that I was notified in accordance with the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : Proof of the original debt and itemized statements, Proof of chain of custody or assignment of debt from XXXX  XXXX to Portfolio Recovery, And verification that legal notice of collection was properly served. 

Until this debt is properly validated in compliance with federal law, I demand that this collection be removed from my credit report.

Company response to consumer: Closed with explanation