vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: AL

Complaint narrative:
I am XXXX XXXX ( My name is XXXX XXXX not XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605b ( 15 U.S.C 1681C-2 ) That TransUnion credit reporting agency , Experian reporting agency and TransUnion agency , to block this information within XXXX business days of you receiving this complaint. This false information, fraudulent information, and inaccurate information consist of a loan opened at XXXX Loan Servicing on XXXX under the account number XXXX of {$43000.00}, a credit card opened XXXX at XXXX XXXX XXXX XXXX under the account number XXXX with a balance of {$1400.00}, a credit card opened at XXXX XXXX XXXX on XXXX under the account number XXXX with a balance of XXXX XXXX a credit card at XXXX XXXX XXXX with the balance of {$4000.00} account number XXXX, a credit card at XXXX XXXX XXXX with the balance of XXXX account number ending in XXXX Credit card loans from DEPT OF ED from XXXX, and again on XXXX, XXXX, and again XXXX, XXXX. Also HARD inquiries from XXXX XXXX XXXX  XXXX XXXX on XXXX and XXXX XXXX  XXXX on XXXX. These accounts have resulted in fraudulent hard inquiries and fraudulent collections appearing on my FICO credit report. I do not recognize the accounts, collections, or hard inquiries as reported. These accounts, collections, and hard inquiries, on my consumer credit report weren't open or initiated by me. All of the aforementioned hard inquiries, accounts and collections are the result of identity theft and fraud. I have a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the collections, credit accounts, 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 2025-07-17 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am disputing multiple accounts and entries on my credit reports with XXXX XXXX XXXX XXXX that do not belong to me. I believe these items are the result of identity theft or reporting errors. I did not authorize or open these accounts, and I never agreed to any of the terms or payment plans associated with them. I submitted disputes and requested verification of each item, including copies of signed agreements or applications, and asked for documentation showing I was the one who initiated the accounts. To date, I have not received proper documentation from any of the credit bureaus. These accounts are causing significant harm to my credit profile and were not authorized by me. I have also filed an identity theft report and submitted supporting documents. I am requesting that these inaccurate accounts be permanently removed from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: AZ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 2025-07-17 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 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 XXXXXX/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 2025-07-17 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: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

CREDIT COLLECTION SERV ( Original Creditor : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX 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 : Disputed Account ( s ) : 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 Inaccurate Address Removal Demand FCRA 1681e ( b ) You are reporting address ( es ) on my file that are inaccurate, outdated, or connected to accounts I did not authorize. Pursuant to FCRA 1681e ( b ), you are required to maintain reasonable procedures to assure maximum possible accuracy of the information you report. Any unverifiable address must be immediately deleted from my credit file.

Addresses to Remove : 1. Incorrect Name - XXXX XXXX XXXX. Incorrect DOB - XXXX XXXX. Incorrect Address - XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX. Incorrect Address - XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX. EMPLOYER - XXXX XXXX. EMPLOYER - XXXX  I have provided supporting documentation verifying my current address. Any conflicting address not tied to a verified, authorized account must be deleted.

Unauthorized Inquiry Deletion Demand FCRA 604 You are reporting one or more hard inquiries on my credit file that were made without my knowledge, consent, or permissible purpose. Under FCRA 604 ( a ), a consumer reporting agency may only furnish a report under specific, legally authorized circumstances, including written instruction or credit application. I did not authorize these inquiries and demand their immediate removal.

Inquiries to Remove : 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 XXXXXX/XX/XXXX You are required to provide proof of permissible purpose, including signed authorization, application, or service request. Failure to do so constitutes a willful violation of the FCRA and will result in further legal action.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( XXXX ) 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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear CFPB, there are inquiries in my TRANSUNION credit report from XXXX XX/XX/year> and XXXX XXXX  XX/XX/year>, XX/XX/year> that are not mine and I have never applied for. I have contacted the landers and they have provided me with the delition letters, however TransUnion is rejecting to delete these inquiries. TransUnion has no right not to delete these inquiries. Please help me to delete these inquiries from my credit report as I am being the victim of identity theft.

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 2025-07-17 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: FL

Complaint narrative:
Formal Complaint Metro 2 and FCRA Compliance Dispute Against XXXX XXXX XXXX Account # : XXXX To Whom It May Concern at the CFPB, This is a formal complaint and dispute under the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance Guidelines against XXXX XXXX XXXX ( XXXX ) for their ongoing reporting of a collection account on my credit reports with Experian and Equifax. 

FCRA & Metro 2 Compliance Violations : Unverified and inaccurate reporting XXXX has not provided verifiable proof that I owe this alleged debt or that they have the legal right to report and collect it. 

Failure to report accurately per Metro 2 standards The reported data may reflect XXXX or more of the following Metro 2 violations : Improper Date of First Delinquency ; Failure to update the account as disputed under the XB compliance condition code ; Continued reporting of an account not legally validated ; Misleading status ( e.g., reporting as open or past due when account is closed/charged-off/collections ). 

Failure to conduct a reasonable investigation As required by 15 U.S.C. 1681i, XXXX has not corrected or removed the account after being notified of my dispute. 

Violations of 1681e ( b ) XXXX and the credit bureaus are required to ensure maximum possible accuracy. Reporting unverifiable, inconsistent, or incomplete data is a direct violation. 

My Formal Demands : Permanent deletion of the Portfolio Recovery collection account from all credit reporting agencies ( Experian, Equifax ) ; Written confirmation of the deletion and a copy of the results of the reinvestigation ; Investigation by the CFPB into XXXX non-compliance with Metro 2 and FCRA ; Monetary compensation as provided under 15 U.S.C. 1681n and 1681o, should violations be found. 

XXXX XXXX has had multiple opportunities to correct and validate this account and has failed to comply with federal reporting standards. As such, I am seeking regulatory intervention and full deletion of this account. 

Thank you for your prompt attention to this serious legal matter. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per my credit report, your company obtained my credit file on XX/XX/XXXX I don't recall applying for credit or employment with : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX From the FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' From the 1998 FTC opinion letter Greenblatt at http : //www.ftc.gov/os/statutes/fcra/greenblt.htm : " Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for {$1000.00} or actual damages ( whichever is greater ) to both the consumer and to the consumer-reporting agency from which thereport is procured. '' Please explain your permissible purpose for your obtaining my credit file. Should you not have a permissible purpose,

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 2025-07-17 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: PA

Complaint narrative:
Im writing personally to dispute several closed accounts on my credit report that contain errors or can not be verified.

Under the Fair Credit Reporting Act ( 1681i and 1681e ( b ) ), if these accounts can not be verified with original documents, they must be deleted not just marked disputed. If theres no permissible purpose for reporting them, that also violates 1681b. 

Please conduct a proper reinvestigation and delete any unverifiable items. I request an updated report once the review is complete.

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 2025-07-17 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: TN

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-17 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: AR

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX [ SSN Last 4 Digits : XXXX [ Date of Birth : XX/XX/XXXX XX/XX/XXXX To : Experian | XXXX XXXXXXXX XXXX| XXXX, XXXX  XXXX Equifax | XXXX. Box XXXX| XXXX, XXXX XXXX TransUnion | XXXX. XXXX XXXX | XXXX, XXXX  XXXX RE : Dispute of Inaccurate Late Payment Reporting XXXX  ( {$820.00} ) To Whom It May Concern, I am writing to formally dispute and request the permanent deletion of all late payments reported under the account XXXX {$820.00} from my Experian, Equifax, and TransUnion credit reports. 
Pursuant to XXXX U.S.C. 1681i, you are required to conduct a reasonable reinvestigation when any information is disputed by the consumer. Under 15 U.S.C. 6802, you must protect consumer financial information and ensure its proper use. Furthermore, 15 U.S.C. 1666b mandates specific billing practices, including appropriate timing for payment due dates before adverse reporting can occur. 
XXXX has failed to validate that these late payments were accurately reported, timely billed, and properly verified. Therefore, I demand that all associated late payments be permanently removed from my credit files with all three bureaus. 
Please send written confirmation of the reinvestigation results and deletion. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: VA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

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 2025-07-17 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: NJ

Complaint narrative:
This is not my first time disputing the same accounts here in the CFPB, and Im beyond frustrated that this issue still hasnt been resolved. Two accounts from XXXXXXXX XXXX XXXX XXXX and XXXX ) have been deleted and reinserted into my credit report over and over again without any notice, certification, or proper verification. Here is the timeline : deleted in XX/XX/year>, reinserted on XX/XX/XXXX, deleted again on XX/XX/XXXX, reinserted on XX/XX/XXXX, deleted again on XX/XX/XXXX and XX/XX/XXXX, and reinserted once again on XX/XX/year>. STILL NO ACTION. I requested the Method of Verification under 15 U.S.C. 1681i ( a ) ( 7 ), asking for proof, documentation, and the name and contact info of whoever supposedly verified this information. No one has given me anything. This violates multiple sections of the Fair Credit Reporting Act, including 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which requires notice and certification before reinserting anything, and 1681e ( b ), which mandates maximum possible accuracy. This is not just an oversight its a pattern of willful noncompliance and negligence. At this point, this is already identity theft, and under 15 U.S.C. 1681c-2, I have the legal right to request a consumer reporting agency to block and delete any information resulting from identity theft. Ive already filed a police report dated XX/XX/year> to support my identity theft claim ( see attachment ), and Ive submitted all supporting documents, timeline, and deletion confirmations. There is no excuse for this to keep happening.Let me also point out that XXXXXXXX is already facing legal action by the CFPB for engaging in sham reinvestigations and illegally re-reporting deleted information without following proper procedures or providing verification. TransUnion is doing exactly the same thing automated reinsertion, no notice, no response to my requests, and XXXX accountability. This ongoing behavior is not only unfair and harmful, it mirrors the same unlawful practices already under scrutiny. Im demanding that the CFPB take immediate enforcement action. I also reserve my right to pursue legal remedies under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance. I truly hope that this time, these accounts will finally be deleted for good.

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 2025-07-17 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: CA

Complaint narrative:
I contacted Experian, Transunion and Equifax on XX/XX/scrub> 2025 after receiving an alert from them regarding the account spending limit on two new XXXX XXXX Charge cards which are reporting that I am over my credit limit which has no preset spending limit. The credit limit is reporting as XXXX, which should say no reset spending limit. this has adversely impacted my credit score due to the system reporting me as over the limit.

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