vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 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:
Identity Theft Victim - Equifax Data Breach Impact : Case No. XXXX TransUnion LLC Consumer Relations Fraudulent Tradelines Resulting from Equifax Data Breach Notice of Legal Presumption of No Debt Pursuant to XXXX XXXX XXXX ( Mo ) XXXX S.W. XXXX, XXXX. 

I am writing as a direct victim of the catastrophic XXXX Equifax data breach that exposed the sensitive personal information of XXXX XXXX Americans, including myself. This breach has resulted in ongoing identity theft that continues to devastate my financial life. Despite months of documented disputes and compliance with all FCRA protocols, TransUnions LLC has willfully refused to remove demonstrably fraudulent accounts from my credit report. Federal courts in Georgia have consistently held credit reporting agencies to strict accountability standards : In XXXX XXXX TransUnion, LLC ( N.D. Ga. 2019 ), the court awarded substantial damages where TransUnion failed to properly investigate identity theft disputes XXXX XXXX Equifax XXXX XXXX ( XXXX XXXX XXXX ) established that superficial investigations constitute willful non-compliance under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) confirmed that repeated failures to remove fraudulent accounts after proper notice supports punitive damages Georgia courts have made clear that your pattern of non-compliance constitutes willful violation of federal law. The following fraudulent tradelines MUST BE PERMANENTLY DELETED within 10 calendar days : XXXX XXXX XXXX XXXX / Reference # XXXX/ XXXX : {$0.00}/ Filed : XX/XX/XXXX XXXX. XXXX XXXX XXXX / # XXXX / Balance : {$6900.00}/ Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  / Balance : {$240.00}/ Opened : XXXX XXXX, XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX : {$7500.00}/ Opened : XX/XX/XXXX Your conduct constitutes both willful and negligent violations under FCRA provisions.

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 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I have disputed this with the credit bureaus more than 6 times withing the past year. Section XXXX of the FCRA mandates that credit bureaus conduct a reasonable investigation within 30 days of a consumer dispute about the accuracy and completeness of information in the consumer 's credit report. If the credit bureau fails to provide the method of verification as requested, the credit bureau must delete the negative debt, and all negative items reporting on the consumer 's credit report. The credit bureau must notify the information furnisher, and provide written notice to the consumer of the deletion.The FCRA also requires credit bureaus to remove negative information that they can not verify. Section 611 ensures that credit bureaus are responsible for thoroughly checking and correcting disputed information thereby helping to maintain the accuracy and integrity of consumer credit files. I have demanded proof of the method of verification under section 611 of the FCRA, but the bureaus have failed to provide this information though requested more than 3 times. The negative reports have lowered my credit score by over XXXX points. I am demanding the points taken each time an item was reported gets added back to my credit score by the credit bureaus with the exact amount of points that were taken each time effective immediately.I have disputed this with the credit bureaus and debt collectors more than 6 times withing the past year. Section 611 of the FCRA mandates that credit bureaus conduct a reasonable investigation within 30 days of a consumer dispute about the accuracy and completeness of information in the consumer 's credit report. If the credit bureau fails to provide the method of verification as requested, the credit bureau must delete the negative debt, and all negative items reporting on the consumer 's credit report. The credit bureau must notify the information furnisher, and provide written notice to the consumer of the deletion.The FCRA also requires credit bureaus to remove negative information that they can not verify. Section 611 ensures that credit bureaus are responsible for thoroughly checking and correcting disputed information thereby helping to maintain the accuracy and integrity of consumer credit files. I have demanded proof of the method of verification under section 611 of the FCRA, but the bureaus have failed to provide this information though requested more than 3 times. The negative reports have lowered my credit score by over XXXX points. I am demanding the points taken each time an item was reported gets added back to my XXXX XXXX by the credit bureaus with the exact amount of points that were taken each time effective immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and I am writing to express my continued frustration regarding several fraudulent and inaccurate accounts that remain on my credit report despite multiple formal attempts to have them removed. 
I have already filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) and have taken all appropriate steps to resolve this matter, including : Disputing the accounts multiple times with the credit reporting agencies. 
Sending certified dispute letters clearly identifying the fraudulent information. 
Contacting the original creditors directly by phone and in writing to inform them that these accounts are a result of identity theft and do not belong to me. 
Providing proof of identity and supporting documentation in each dispute. 
Despite these efforts, the inaccurate items have not been removed and continue to negatively affect my credit profile. This is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires that only accurate, verifiable, and fair information be reported. If an item can not be verified, it must be promptly deleted. 
I am requesting immediate action to : Fully investigate the disputed accounts, Remove any and all accounts that can not be verified as accurate and belonging to me, Prevent further reporting of these fraudulent items, Provide written confirmation of the investigation and results. 
This situation has caused unnecessary financial hardship and emotional distress. I have done everything within my power to correct the record and protect my identity, and I now expect your full cooperation in resolving this matter. 
Sincerely, XXXX XXXX

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

Complaint narrative:
It is unacceptable that I keep finding accounts on my credit report that I never opened or authorized. I was not notified when these were added, and the reporting is inconsistent across all three bureaus, which makes the situation even more suspicious and frustrating.

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 2025-09-09 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:
It is unacceptable that I keep finding accounts on my credit report that I never opened or authorized. I was not notified when these were added, and the reporting is inconsistent across all three bureaus, which makes the situation even more suspicious and frustrating.

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 2025-09-09 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: TX

Complaint narrative:
I am formally disputing the unlawful reinsertion of a previously deleted and inaccurate account on my consumer credit report. Your actions constitute multiple willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Details of the Disputed Account Account Number : XXXX Account Name : XXXX XXXX XXXX. 

This account was previously deleted following my prior dispute, yet you have reinserted it without providing the legally required notice or proof of certification from the furnisher of information. This reinsertion is both unlawful and damaging to me. 

FCRA Violations Your actions violate multiple provisions of the FCRA, including but not limited to : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Reinserted items must not be placed back into a consumers file unless the furnisher certifies the accuracy and completeness of the information, and written notice is provided to the consumer within 5 business days. You failed to comply.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : You are required to conduct a reasonable reinvestigation of disputed items. No such proper reinvestigation has occurred.

15 U.S.C. 1681e ( b ) : You are required to follow reasonable procedures to ensure maximum possible accuracy of consumer reports. Allowing an unverifiable and inaccurate item to reappear demonstrates reckless disregard of this duty.

15 U.S.C. 1681c-2 : You are required to block and remove information that is the subject of identity theft or inaccurate reporting upon notification. Reinsertion of unverifiable data is a clear violation.

15 U.S.C. 1681n and 1681o : Willful and negligent noncompliance with the FCRA subjects you to civil liability for actual damages, statutory damages of up to {$1000.00} per violation, attorneys fees, and punitive damages.

Demands Accordingly, I demand the following : Immediate deletion and permanent blocking of this account from my credit file.

Written confirmation within 15 days that this account has been permanently deleted and will not be reinserted in the future without full compliance with 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Compensation for damages caused by your unlawful reinsertion, including but not limited to {$1000.00} per violation as allowed under 15 U.S.C. 1681n, as well as any actual damages sustained.

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 2025-09-09 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: TX

Complaint narrative:
I am formally disputing the unlawful reinsertion of a previously deleted and inaccurate account on my consumer credit report. Your actions constitute multiple willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Details of the Disputed Account Account Number : XXXX Account Name : XXXX XXXX XXXX. 

This account was previously deleted following my prior dispute, yet you have reinserted it without providing the legally required notice or proof of certification from the furnisher of information. This reinsertion is both unlawful and damaging to me. 

FCRA Violations Your actions violate multiple provisions of the FCRA, including but not limited to : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Reinserted items must not be placed back into a consumers file unless the furnisher certifies the accuracy and completeness of the information, and written notice is provided to the consumer within 5 business days. You failed to comply.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : You are required to conduct a reasonable reinvestigation of disputed items. No such proper reinvestigation has occurred.

15 U.S.C. 1681e ( b ) : You are required to follow reasonable procedures to ensure maximum possible accuracy of consumer reports. Allowing an unverifiable and inaccurate item to reappear demonstrates reckless disregard of this duty.

15 U.S.C. 1681c-2 : You are required to block and remove information that is the subject of identity theft or inaccurate reporting upon notification. Reinsertion of unverifiable data is a clear violation.

15 U.S.C. 1681n and 1681o : Willful and negligent noncompliance with the FCRA subjects you to civil liability for actual damages, statutory damages of up to {$1000.00} per violation, attorneys fees, and punitive damages.

Demands Accordingly, I demand the following : Immediate deletion and permanent blocking of this account from my credit file.

Written confirmation within 15 days that this account has been permanently deleted and will not be reinserted in the future without full compliance with 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Compensation for damages caused by your unlawful reinsertion, including but not limited to {$1000.00} per violation as allowed under 15 U.S.C. 1681n, as well as any actual damages sustained.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Greetings, I am sending this complaint because I still believe there are still error on my credit file. I would like you to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. Please evaluate these accounts below : DEPT OF ED/XXXX  XXXX Balance : {$6500.00} DEPT OF ED/XXXX  XXXX Balance : {$3800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: OH

Complaint narrative:
TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Account Under Fair Credit Reporting Act Dear TransUnion, I am writing to formally request the removal of an inaccurate account from my credit report, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Upon reviewing my credit report, I discovered the following account that I believe to be incorrect or in violation of my rights under the FCRA : Account Name : Credit Acceptance both accounts Reason for Removal : This account does not belong to me Under the FCRA, I am entitled to a credit report that is accurate and reflects the true status of my financial obligations. Section 1681i of the FCRA provides that if an item on my credit report is found to be inaccurate, I have the right to dispute the information, and the credit reporting agency is required to investigate and correct or remove the inaccurate information within XXXX days. As the account in question is either incorrect or outdated, I request that TransUnion immediately investigate this account and remove it from my credit report. In accordance with Section 1681e ( b ) of the FCRA, credit reporting agencies are required to maintain accurate and complete information. If the account can not be verified, it must be deleted from my report. I have attached supporting documentation to assist in resolving this issue, including [ list any documents you are attaching, such as payment records, correspondence, or identification verification ]. I respectfully request that you update my credit report to reflect the accurate information and provide me with a corrected copy of my credit report once the removal is complete. If you fail to remove this inaccurate information, I will pursue my legal rights to enforce compliance with the FCRA, including contacting the Consumer Financial Protection Bureau ( CFPB ) and filing a formal dispute. Thank you for your prompt attention to this matter. I look forward to your response within the legally mandated time frame of 30 days. Sincerely, XXXX XXXX

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

Complaint narrative:
TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Account Under Fair Credit Reporting Act Dear TransUnion, I am writing to formally request the removal of an inaccurate account from my credit report, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Upon reviewing my credit report, I discovered the following account that I believe to be incorrect or in violation of my rights under the FCRA : Account Name : Credit Acceptance both accounts Reason for Removal : This account does not belong to me Under the FCRA, I am entitled to a credit report that is accurate and reflects the true status of my financial obligations. Section 1681i of the FCRA provides that if an item on my credit report is found to be inaccurate, I have the right to dispute the information, and the credit reporting agency is required to investigate and correct or remove the inaccurate information within XXXX days. As the account in question is either incorrect or outdated, I request that TransUnion immediately investigate this account and remove it from my credit report. In accordance with Section 1681e ( b ) of the FCRA, credit reporting agencies are required to maintain accurate and complete information. If the account can not be verified, it must be deleted from my report. I have attached supporting documentation to assist in resolving this issue, including [ list any documents you are attaching, such as payment records, correspondence, or identification verification ]. I respectfully request that you update my credit report to reflect the accurate information and provide me with a corrected copy of my credit report once the removal is complete. If you fail to remove this inaccurate information, I will pursue my legal rights to enforce compliance with the FCRA, including contacting the Consumer Financial Protection Bureau ( CFPB ) and filing a formal dispute. Thank you for your prompt attention to this matter. I look forward to your response within the legally mandated time frame of 30 days. 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 2025-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. This account was done without my written instruction. Furthermore any entity allegedly claiming to be the original creditor has received tender of payment by receiving a blank endorsement. However I never contracted with this company. This company Has violated my rights. I have made attempts to dispute as well as mail the company. 

Account name : XXXX XXXX XXXX, XXXX, Trans union, XXXX 
Amount : 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, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states that no consumer reporting agency can make any consumer report containing any of the following items of information : any adverse item of information, other than records of conviction and crimes which antedates the report by XXXX 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 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 explanation
Consumer complaint received 2025-09-09 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Account Name : DEPTEDXXXXXXXX XXXX XXXXXXXX -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX -Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX XXXX Opened XX/XX/XXXX Account Name : XXXX # XXXX -Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief