vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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: GA

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 4 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 Address : XXXX XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} 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

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 2025-07-11 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: CA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( XXXX XXXX XXXX ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center 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 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 2025-07-11 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:
This is a formal third-round dispute regarding the fraudulent XXXX XXXX account that continues to be reported on my credit file by Equifax. On XX/XX/XXXX, I submitted a complete 605B identity theft package, which included an FTC Identity Theft Report ( # XXXX ), a copy of my government-issued ID, Social Security XXXXard , and proof of address. As a direct result, Equifax removed the XXXX XXXX hard inquiry dated XX/XX/XXXX, confirming they acknowledged the application was fraudulent and unauthorized. However, the corresponding XXXX XXXX tradeline generated from that exact same fraudulent application remains on my credit report to this day. The account in question is XXXX  XXXX XXXX. This is a clear contradiction and an outright violation of federal law. Specifically, this violates FCRA 605B, which mandates that all information resulting from a proven identity theft must be fully blocked once supporting documents are received, and also FCRA 607 ( b ), which requires data furnishers and credit bureaus to maintain complete, accurate, and consistent reporting. It is not legally or logically permissible to accept the fraudulence of the inquiry but refuse to remove the account that came from it this is either identity theft or it isnt, and your selective compliance exposes you to regulatory and legal liability. As of XX/XX/XXXX, I have received no resolution or meaningful response, despite the fact that over 60 days have passed since this second-round CFPB submission dated XX/XX/XXXX. I am resubmitting all supporting evidence again, including the previous correspondence. I demand the immediate and permanent deletion of the XXXX  XXXX account XXXX  XXXX XXXX from my credit report, consistent with the removal of the inquiry and in full accordance with FCRA 605B. If Equifax fails to comply promptly, I will escalate the matter to the XXXX XXXX XXXX and then proceed to retain legal counsel to initiate action for continued FCRA violations, damages, and bad faith handling of my identity theft dispute. Attachments : FTC Identity Theft Report, Government-issued ID, Social Security card , Proof of address, Credit report showing inquiry removal, Prior correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-11 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
am submitting this complaint in accordance with the Fair Credit Reporting Act ( FCRA ) to dispute the accuracy of an account being reported on my credit file by Synchrony Bank ( SYNCB/Care Credit ). I believe the information being reported is either inaccurate, incomplete, or unverifiable. 

Account details are as follows : Account Name : SYNCB/Care Credit Reference Number : XXXX Date Opened : XX/XX/year>XXXX  I have formally disputed this account and requested verification of the information being reported. 
Despite my request, the account remains unchanged on my credit report, and I have not received any documentation validating the accuracy of the reported details. I am requesting a manual reinvestigation of this account as required by FCRA 1681i.

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 2025-07-11 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: RI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: GA

Complaint narrative:
On. XX/XX/XXXX at XXXX I called Transunion and spoke with XXXX from " The Special Handling Dept '' I submitted a ftc report, police report as well as the accounts and inquiries that I didn't authorize. XXXX told me that the aforementioned documents weren't enough to get the items removed. He also informed me that I would have to obtain a letter of deletion from each company who reported an inquiry on my credit file. Attached will be a copy of my police report which XXXX also informed me didn't have enough info on it for them to process the removal of the items I'm disputing. 

When I contact these companies, they all inform me that they don't issue any " letters for deletion, '' and that I need to dispute any incorrect items DIRECTLY to the credit bureaus. 

So I'm being bounced around from company to company to no avail. 

Never have I been told that a police and ftc report was insufficient documents to convey my personal info has been compromised and has been consistently used. 

Equifax has also failed to remove the items disputed as well and the same documents were submitted to them.

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx. XXXX XXXX XXXX Date : XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington , DC XXXX Subject : Formal Complaint Against TransUnion for Violation of FCRA Section 611 Failure to Respond Within Statutory Timeframe To Whom It May Concern, I am filing this formal complaint against TransUnion for violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( Section 611 ), which mandates that a consumer reporting agency must complete a reinvestigation within 30 days of receiving a dispute. 
I sent my first written dispute to TransUnion on XX/XX/year>, regarding inaccurate information reported on my credit file. According to my records and USPS tracking, the letter was received and filed at TransUnion. Under FCRA requirements, TransUnion was obligated to complete their reinvestigation and provide results within 30 days of receipt, yet I did not receive any response or update within this timeframe. 
Due to their noncompliance, I sent a second notice on XX/XX/year>, again requesting deletion of the inaccurate item ( s ) in accordance with FCRA guidelines, as they failed to verify or provide any communication. As of today, TransUnion has continued to ignore my lawful disputes, violating my consumer rights by : Failing to complete reinvestigation within 30 days ( FCRA 611 ( a ) ( 1 ) ( A ) ). 


Failing to provide written results of reinvestigation ( FCRA 611 ( a ) ( 6 ) ).

This negligence has caused undue harm to my credit profile, financial opportunities, and peace of mind. I am therefore requesting that the Consumer Financial Protection Bureau intervene immediately to enforce TransUnions compliance, requiring them to : Delete the disputed item ( s ) in question, per FCRA guidelines when unable to verify within 30 days.

Provide a full written update and reinvestigation results to me without further delay. 


Please let me know if any additional information is needed to expedite this complaint. I am asserting my rights under FCRA Section 611 and Section 616, and reserve the right to pursue further legal remedies if necessary.

Thank you for your prompt assistance in ensuring TransUnion upholds its legal obligations under federal law. 
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 explanation
Consumer complaint received 2025-07-11 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: TX

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 2025-07-11 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: PA

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion immediately block and permanently remove multiple fraudulent accounts, including a collection account reported by XXXX opened XXXX XX/XX/XXXX  under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$1500.00}, that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report # XXXX and # XXXX along with supporting documentation, including proof that my personal data was compromised in the XXXX  data breach. 

I am filing this FTC Identity Theft Affidavit to report one ( 1 ) fraudulent account appearing on my consumer FICO XXXX  credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of an auto loan opened at XXXX on XX/XX/2024 under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$1500.00}. This unauthorized account has resulted in fraudulent hard inquiries and false collections being reported to my credit file. I demand that this fraudulent item be removed from each of my consumer credit reports and that all collection activity related to this account cease immediately, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

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 2025-07-11 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: OH

Complaint narrative:
XXXX XXXX, XXXX, XX/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 ( 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 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 XXXX XXXXXXXX XXXX. Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  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 2025-07-11 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: IL

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 non-monetary relief
Consumer complaint received 2025-07-11 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:
In accordance with the Fair credit reporting act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

4 Total Accounts : Account name : XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. I looked at my credit report and noticed some things are incomplete and not accurate. 

And according to the Fair credit reporting act whenever a consumer reporting agency prepares a consumer report is shall follow reasonable procedures to ensure, possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681B they are supposed to promptly remove any inaccurate or unverifiable information in general after any reinvestigation under paragraph one of any information disputed by consumer any parts of the information is found to be an accurate or incomplete or can not be verified. The consumer reporting agency shall one promptly delete, the information from the file of the consumer or modify that information based on the results of the investigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is in accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: GA

Complaint narrative:
In accordance with the Fair credit reporting act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

4 Total Accounts : Account name : XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. I looked at my credit report and noticed some things are incomplete and not accurate. 

And according to the Fair credit reporting act whenever a consumer reporting agency prepares a consumer report is shall follow reasonable procedures to ensure, possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681B they are supposed to promptly remove any inaccurate or unverifiable information in general after any reinvestigation under paragraph one of any information disputed by consumer any parts of the information is found to be an accurate or incomplete or can not be verified. The consumer reporting agency shall one promptly delete, the information from the file of the consumer or modify that information based on the results of the investigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is in accurate.

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 2025-07-11 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: IL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their 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