vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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: UT

Complaint narrative:
I submitted a formal identity theft dispute to TransUnion on XX/XX/year>, via USPS ( Tracking # : XXXX ) with supporting documents including an FTC Identity Theft Report, police report, and four forms of government-issued ID. My TransUnion file ( File # : XXXX ) continues to report numerous fraudulent accounts, inaccurate personal information, and a XXXX  XXXX bankruptcy that do not belong to me. 

The following accounts were never opened by me and are a result of identity theft, requiring immediate deletion under FCRA 605B ( 15 U.S.C. 1681c-2 ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Ref # : XXXX In addition, TransUnion continues to report multiple inaccurate addresses where I have never resided, despite my instruction to retain only my verified address : XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX. 

TransUnion has also failed to correct or remove a fraud alert statement that contains an incorrect phone number ( XXXX ) and may misrepresent my legal name. This alert is inaccurate and dangerous, as it defeats the purpose of notifying me about potential fraud attempts. My only correct contact number is ( XXXX ) XXXX. 

Despite my submission of all required documentation, TransUnion has failed to comply with multiple provisions of the Fair Credit Reporting Act, including : FCRA 605B ( 15 U.S.C. 1681c-2 ) Failure to block identity-theft-related data FCRA 611 ( 15 U.S.C. 1681i ) Failure to investigate disputed information FCRA 605A ( 15 U.S.C. 1681c-1 ) Failure to maintain an accurate and useful fraud alert FCRA 1681e ( b ) Failure to ensure maximum possible accuracy FCRA 616617 ( 15 U.S.C. 1681no ) Liability for willful or negligent noncompliance

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 2025-03-25 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: GA

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

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

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: GA

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

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

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: LA

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-25 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XX/XX/year> Subject : Formal Dispute of Inaccurate XXXX  XXXX Bankruptcy Reporting under 15 U.S.C. 1681o ( FCRA Civil Liability ) To Whom It May Concern, I am writing to formally dispute the erroneous reporting of a XXXX  XXXX bankruptcy on my credit report. As per my recent investigation, there is no verifiable proof that this bankruptcy exists or has been validated by the appropriate authorities. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681o, credit reporting agencies have a legal obligation to ensure the accuracy of information reported and may be held civilly liable for willful or negligent noncompliance. 
Furthermore, I have obtained official documentation from the bankruptcy court affirming that they do not verify or validate the accuracy of information reported to third-party services. This proves that the information appearing on my credit report is unverifiable and must be removed immediately in compliance with the FCRA. 
I demand that you provide tangible and verifiable proof that this XXXX  XXXX bankruptcy is accurate, has been properly validated, and is legally reportable under federal law. If such verification can not be provided, I demand the immediate deletion of this inaccurate information from my credit report. Failure to comply with this request may result in legal action against your agency for willful and negligent noncompliance with the FCRA. 
Please respond to this dispute within the legally mandated 30-day period, as required by the FCRA. Kindly send me written confirmation once the incorrect information has been removed. Failure to respond appropriately will leave me with no choice but to pursue further legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially initiating legal proceedings.

I expect immediate corrective action on your part and look forward to your prompt response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over 30 days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the XXXX, XXXX, and Transunion data breach.

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 2025-03-25 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 have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-25 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: I.C. System, Inc.
State: WI

Complaint narrative:
Someone got a hold to my personal information and was using it to create fraudulent accounts...

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 2025-03-25 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: TX

Complaint narrative:
Method of verifications XXXX Collection with account # XXXX opened on XX/XX/XXXX and a balance of {$1100.00}. 
I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Equifax failed to perform an investigation and delete the disputed information. 
XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$9000.00}. 
I am requesting a description of the investigation procedure according to 15 USC 1681i ( 7 ), which states that if requested by the consumer, this must be provided within 15 days to comply with FCRA guidelines. With this investigation, please provide the method of verification 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), full disclosure of the investigation, and all of the documentation received during the investigation. Please remove the account if this can not be provided in the next 15 days. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1800.00}. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$16000.00}. 
I am requesting a description of the investigation procedure according to 15 USC 1681i ( 7 ), which states that if requested by the consumer, this must be provided within 15 days to comply with FCRA guidelines. With this investigation, please provide the method of verification 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), full disclosure of the investigation, and all of the documentation received during the investigation. Please remove the account if this can not be provided in the next 15 days. 
Collection account from XXXX with account # XXXX and a balance of {$2800.00}. The original creditor is XXXX XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center
State: CA

Complaint narrative:
ARstrat sent me a letter saying I owe XXXX XXXX XXXX XXXX {$59.00} dollars for service on XX/XX/year>. I called and told them I was not there or treated XXXX  years ago and they said to bad! I don't understand how this kind of fraud exists in our system and have filed a complaint with cfpb before for the same thing. I would like you to contact them thankyou. Creditors name is XXXX XXXX XXXX XXXX XXXX, ca. account # XXXX, collection company is XXXX account # XXXX phone # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: AR

Complaint narrative:
I Have Been a Victim of Identity Theft, And Would Like all Accounts removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: ID

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XX/XX/year> Subject : Formal Dispute of Inaccurate XXXX  XXXX Bankruptcy Reporting under 15 U.S.C. 1681o ( FCRA Civil Liability ) To Whom It May Concern, I am writing to formally dispute the erroneous reporting of a XXXX  XXXX bankruptcy on my credit report. As per my recent investigation, there is no verifiable proof that this bankruptcy exists or has been validated by the appropriate authorities. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681o, credit reporting agencies have a legal obligation to ensure the accuracy of information reported and may be held civilly liable for willful or negligent noncompliance. 
Furthermore, I have obtained official documentation from the bankruptcy court affirming that they do not verify or validate the accuracy of information reported to third-party services. This proves that the information appearing on my credit report is unverifiable and must be removed immediately in compliance with the FCRA. 
I demand that you provide tangible and verifiable proof that this XXXX  XXXX bankruptcy is accurate, has been properly validated, and is legally reportable under federal law. If such verification can not be provided, I demand the immediate deletion of this inaccurate information from my credit report. Failure to comply with this request may result in legal action against your agency for willful and negligent noncompliance with the FCRA. 
Please respond to this dispute within the legally mandated 30-day period, as required by the FCRA. Kindly send me written confirmation once the incorrect information has been removed. Failure to respond appropriately will leave me with no choice but to pursue further legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially initiating legal proceedings.

I expect immediate corrective action on your part and look forward to your prompt response. 
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 non-monetary relief