vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 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: OH

Complaint narrative:
XX/XX/year> Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX  XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX  report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX  stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXXXXXX 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 date opened XX/XX/year> balance {$340.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: MO

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the XXXX XXXX XXXX XXXX ( XXXX ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

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 2025-10-13 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: MO

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the XXXX XXXX XXXX XXXX ( XXXX ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

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 2025-10-13 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: GA

Complaint narrative:
I am submitting this statement to dispute inaccurate late payment reporting and account details appearing on my credit report. The account XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX a mortgage account, is being inaccurately reported as late 30 days in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, despite the account being fully paid and closed with a {$0.00} balance as of XX/XX/XXXX. This reporting is inconsistent with the payment history I maintained and violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ), which requires consumer reporting agencies to ensure the maximum possible accuracy of the information they report. Additionally, the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also reflects a {$0.00} balance, yet appears with late payment reporting that is not supported by verifiable documentation. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting data that they know or have reasonable cause to believe is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
The following is a description of the identity theft incident : From XX/XX/XXXX through XX/XX/XXXX, I was incarcerated in state prison. During this time, multiple credit accounts were fraudulently opened in my name without my knowledge or authorization. Because I was incarcerated, I did not have the ability to apply for or use any credit accounts during that period. 
After my release in XX/XX/XXXX, I reviewed my credit reports and discovered several fraudulent accounts in collections. These accounts include : XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX XXXX XXXX {$230.00} National Credit XXXX XXXX XXXX XXXX XXXX {$5000.00} National Credit XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} National Credit XXXX XXXX XXXX XXXX XXXX XXXX  {$12000.00} I have never applied for or used these accounts, and I have never lived at or signed for the This is a XXXX document. 
apartment or insurance accounts listed above. Based on the timing of these accounts, I believe a close family member may have used my personal information while I was incarcerated.

I have also experienced the following problems as a result of the identity theft : * Civil suit filed or judgment entered against me. 
* Denied credit or other financial services. 
* Harassed by debt collector or creditor. 
In addition, I have lost XXXX hours hours of my time due to the identity theft. The identity thief used the internet to open accounts or purchase goods or services. 
I have no information regarding the identity thief. 
I have contacted the following credit bureau ( s ) : XXXX XXXX XXXX XXXX XXXX  * regarding the identity theft and to report the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which requires the reporting of 100 % accurate information. Ive suffered harm due to these violations and am entitled to resolution in the form of deletions. The accounts in my attached letter are not accurate, and I demand their immediate removal.

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 2025-10-13 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: NJ

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Accounts in Dispute : XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX Account Number : 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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at U.S. DEPARTMENT OF EDUCATION on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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 explanation
Consumer complaint received 2025-10-13 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: CT

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

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 2025-10-13 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: PA

Complaint narrative:
Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Inaccurate Reporting of Debt Type. The status indicates a " written off '' balance, which typically means the debt was Charged-Off and often sold to a third-party collector, making it a collection account. It is misleading and inaccurate to continue reporting it solely as a " Credit card '' when its current status is a charged-off debt, violating FCRA \S 605 ( a ) ( 2 ) and \S 623 ( a ) ( 2 ) ( Duty to Correct and Update Information ).

Inaccurate Account Amounts/Dates. The highest balance exceeds the credit limit by \bm { \text { \ {$630.00} } } and was reportedly reached between XX/XX/XXXX and XX/XX/XXXX. This significant discrepancy in reported amounts and the implied timeline of the account 's history suggests fundamental errors in the creditor 's reporting of the debt, violating FCRA \S 605 ( a ) ( 2 ) and \S 623 ( a ) ( 1 ) ( Duty to Provide Accurate Information ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: PA

Complaint narrative:
Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Inaccurate Reporting of Debt Type. The status indicates a " written off '' balance, which typically means the debt was Charged-Off and often sold to a third-party collector, making it a collection account. It is misleading and inaccurate to continue reporting it solely as a " Credit card '' when its current status is a charged-off debt, violating FCRA \S 605 ( a ) ( 2 ) and \S 623 ( a ) ( 2 ) ( Duty to Correct and Update Information ).

Inaccurate Account Amounts/Dates. The highest balance exceeds the credit limit by \bm { \text { \ {$630.00} } } and was reportedly reached between XX/XX/XXXX and XX/XX/XXXX. This significant discrepancy in reported amounts and the implied timeline of the account 's history suggests fundamental errors in the creditor 's reporting of the debt, violating FCRA \S 605 ( a ) ( 2 ) and \S 623 ( a ) ( 1 ) ( Duty to Provide 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 non-monetary relief
Consumer complaint received 2025-10-13 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
My accounts with State Employees Credit Union were restricted without notice or explanation around XX/XX/year>2025. I discovered the issue when I was unable to complete transfers or access my funds. I went in person to the branch, called several times, and sent multiple messages through the member portal but have not received any written response or explanation. 

I am still able to view balances but can not access or use the accounts. I have not been provided any documentation, notice, or clarification about why the restrictions were placed or when they began. I am requesting assistance from a third party to help navigate this issue and would like XXXX to provide documentation showing when the restriction occurred, the reason for it, and how and when it was communicated to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
I am disputing several inaccurate accounts on my credit report that are reported as late, delinquent, or otherwise negative despite XXXX balances or incorrect payment history. These entries misrepresent my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ) 605B, 607 ( b ), 611 ( a ), 611 ( a ) ( 5 ) ( A ), and 623 ( a ) ( 1 ) ( A ) I am requesting that all inaccurate information be corrected and that I receive written confirmation along with an updated copy of my credit report within the XXXX timeframe required by law. 
XXXX XXXX Balance : {$7.00} Date Opened : XX/XX/XXXX XXXX/DOFED XXXX Balance {$0.00} Date XXXX XXXX/DOFED XXXXXXXX XXXX XXXX XXXX XXXX Balance {$1700.00} Date Opened : XX/XX/XXXX XXXX/DOFED XXXX Balance {$3800.00} Date Opened : XX/XX/XXXX XXXX/DOFED XXXX Balance {$6300.00} Date Opened : XX/XX/XXXX XXXX/DOFED XXXX Balance {$6300.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last XXXX Late XXXX days XXXX XXXX XXXX/DOFED XXXX Balance {$130.00} Date Opened : XX/XX/XXXX XXXX/DOFED XXXX Balance {$1100.00} XXXX Date Opened : XX/XX/XXXX XXXX/DOFED XXXX Balance {$3000.00} Date Opened : XX/XX/XXXX XXXX/DOFED XXXX Balance {$6400.00} Date Opened : XX/XX/XXXX XXXX/DOFED XXXX Balance {$2100.00} Date Opened : XX/XX/XXXX XXXX/DOFED XXXX Balance {$4900.00} Date Opened : XX/XX/XXXX LATE CLOSED : XXXX XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} Date XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief