vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: IL

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 Polaris 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 2025-07-09 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by
more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by
more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, IL, XXXX XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX  XXXX, PA XXXX Subject : Formal Dispute of Collection Account Under FCRA ( 15 U.S.C. 1681i and 1681s-2 ) To Whom It May Concern : I am writing to formally dispute the accuracy and validity of a collection account that appears on my credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) specifically 15 U.S.C. 1681i and 1681s-2 I request that you conduct a reinvestigation of the following account and remove it if it can not be verified or is inaccurate. 
Disputed Account Details : Creditor / Collection Agency 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 I dispute this account on the basis that : It is inaccurate and/or incomplete ( e.g., incorrect dates, amounts, balance, or status ) ; It may be unverifiable, as required by 1681i ( a ) ; It may be obsolete and reportable beyond the legal time limits outlined in 15 U.S.C. 1681c ; The furnisher of this information may be noncompliant with their duty to report only accurate information under 1681s-2 ( a ) ( 1 ) ( A ).

In accordance with FCRA 1681i ( a ) ( 5 ), if the information can not be verified, it must be promptly deleted from my credit report. If the collection account is found to be inaccurate in any respect, I request full correction or permanent removal.

I also request : 1 The Assignment Contract and Bill Of Sale ; 2 Method Of Verification ; 3 Description of procedure ; 4 All of documentation retrieved during investigation ; 5 A copy of my updated credit report ; 6 The name and contact information of the furnisher who verified this account ; Failure to comply will result in immediate legal action. Under 15 U.S.C. 1681 ( n ), civil liability attaches for negligent or willful violations of the Fair Credit Reporting Act, and I am entitled to monetary damages, punitive damages, and attorney fees.

Please Be Advised : Formal complaints have already been submitted to the Consumer Financial Protection Bureau ( CFPB ), States Attorney Generals OfficeXXXX XXXX XXXX XXXX XXXX BBB ), and the Federal Trade Commission ( FTC ) against your institution for investigation.

If corrections are not made within 15 calendar days of receipt of this notice, I will immediately initiate a claim in XXXX XXXX XXXX seeking full damages allowable under the law, along with additional regulatory escalation. 

This letter serves as your final opportunity to rectify these unlawful actions voluntarily. 

Sincerely, 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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize, nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to dispute a 60-day late payment that has been reported on my credit file by XXXX XXXX The late payment was not communicated to me through any phone call, email, or letter prior to being reported, and I was completely unaware that a payment was due. 

In XX/XX/year>, I reviewed my credit report and was surprised to find a negative mark indicating a 60-day delinquency. Upon discovering this, I immediately contacted my loan servicers financial aid department to resolve the issue and submitted the payment. I was not previously contacted in any form about the due date or the missed payment, despite having active contact information on file.

This situation has negatively affected my credit score through no fault of my own. Had I been properly notified, I would have resolved the issue immediately. I believe this reporting is unjustified, as the company failed to fulfill its duty to notify me about the due date and delinquency before reporting to the credit bureaus.

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 2025-07-09 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX  - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : 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 Equifax 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 on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$32000.00} that appears related to the aforementioned personal loan account opened at 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 XXXX 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 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint because Bank of America denied a chargeback for a hotel stay I paid for but never received, even though the situation was completely outside of my control and thoroughly documented. 

On XX/XX/2025, I had a hotel reservation through XXXX ( Booking ID : XXXX ) at XXXX XXXX in XXXX, XXXX, for the dates XXXX XXXX XXXX, totaling {$400.00}. Just before my scheduled departure, my flight was canceled due to the outbreak of war in the region, which made it impossible for me to travel or use the hotel reservation in any way. 

I reached out to both XXXX and the hotel immediately to explain what happened and request a refund, but they both refused to return any of the money, despite the extreme circumstances. 

I then submitted a chargeback through Bank of America, clearly stating that I never received the service I paid for, and providing : Hotel booking confirmation Proof of flight cancellation Screenshots of my communication with both XXXX and the hotel Bank of America denied the dispute and sided with the travel companies, without properly considering the evidence or the fact that this was an unavoidable emergency, not a change of plans. I was not asking for a refund due to preference I was physically unable to take the trip because of a regional crisis.

Under the Fair Credit Billing Act ( FCBA ) and Regulation Z, consumers are protected in situations where a service is paid for but not received. Bank of America chose to ignore those protections and left me responsible for a service I never had a chance to use.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Accounts that should be off my credit should be off XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX, Also the only address that should be on my credit report is XXXX XXXX XXXX XXXX, XXXX. I have also sent in numerous times that I have a Home loan with XXXX XXXX that is current the account number is XXXX and the balance is $ XXXX I have filed several times to remove the bankruptcy off of my credit report with proof showing that it shouldn't be on my report as well. also please remove the hard requires that's on my credit 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 2025-07-09 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: NY

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file.

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification.

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the accounts from all versions of my credit report.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards. 

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., XXXX v. Equifax {$18.00} XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

The CFPB recently secured a {$15.00} XXXX settlement after systemic investigatory and procedural lapses. 

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX To Whom It May Concern : This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well-being and seriously hurting my character. 
Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this process.

By the provisions of 15 U.S. Code 1681i of the Fair Credit Reporting Act ( FCRA ), which grants consumers the right to dispute incomplete or inaccurate information and requires credit reporting agencies to conduct a reasonable investigation. Please provide me with proof of these items, the method of verification, description of procedures and specifically the contract bearing my signature. Failing that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life. 
The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : Disputed Item ( XXXX ) : Creditor Name : XXXX XXXX Account Number : XXXX Issue : [ e.g., Incorrect balance, account reported as late when it was paid on time, account does not belong to me, etc. ] This account is listed as a collection/charged off account on my credit report but I have never received a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly or delete immediately. 
Failure to comply will result in immediate legal action. Under 15 U.S.C. 1681 ( n ), civil liability attaches for negligent or willful violations of the Fair Credit Reporting Act, and I am entitled to monetary damages, punitive damages, and attorney fees.

Please Be Advised : Formal complaints have already been submitted to the Consumer Financial Protection Bureau ( CFPB ), States Attorney Generals Office, XXXX XXXX XXXX XXXX XXXX XXXX, and the Federal Trade Commission ( FTC ) against your institution for investigation. 
If corrections are not made within XXXX calendar days of receipt of this notice, I will immediately initiate a claim in Small Claims Court seeking full damages allowable under the law, along with additional regulatory escalation. 

This letter serves as your final opportunity to rectify these unlawful actions voluntarily. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation