vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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: CA

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. 
Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA.

Legal Precedent : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: VA

Complaint narrative:
I request the negative reported and charged off accounts on my reports from Equifax, Experian and Transunion to be removed from my reports. I am writing to formally dispute charge-offs account listed on my credit report and to request the removal of all negative items that are affecting my XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), Section 609, I have the right to dispute any inaccuracies on my credit report, and I believe these entries are unjustly impacting my financial future. Dispute Reasons : I did not receive a 1099 form reflecting any charge-offs, which raises questions about its validity. I am a retired XXXX veteran who served for more than XXXX years of XXXX XXXX and i served in combat in multiple countries. I have tried to resolve my credit issues directly with the agencies and i have yielded any positive results. I have been affected by a past and recent data breach that compromised my personal information which caused some erroneous charges to my accounts. However, I had to remain mission focused. In light of these circumstances, I am requesting the removal of the charge- offs as well as all negative items on my credit report to allow me to have a fresh start. I respectfully urge you to investigate this matter thoroughly and to consider the unique challenges I have faced as a retired veteran service member. Thank you for your attention to this crucial matter. I look forward to your prompt response, as it will greatly assist me in rebuilding my credit and future financial opportunities. In light of these circumstances, I am requesting the removal of charge-off as well as all negative reflecting items. 

In light of these circumstances, I am requesting the removal of charge-offs as well as all negative items on my credit report to allow me to have a fresh start. I respectfully urge you to investigate this matter thoroughly and to consider the unique challenges I have faced as a service member. Experian is being sued for failing to properly investigate consumer disputes with creditors and committing other violations of the Fair Credit Reporting Act. The lawsuit alleges that Experian has been conducting " XXXX  investigations '' of consumer report errors, potentially jeopardizing XXXX  of Americans ' access to credit, employment, and housing. Please remove all negative accounts and charge off accounts that is reflecting negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: VA

Complaint narrative:
I request the negative reported and charged off accounts on my reports from Equifax, Experian and Transunion to be removed from my reports. I am writing to formally dispute charge-offs account listed on my credit report and to request the removal of all negative items that are affecting my XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), Section 609, I have the right to dispute any inaccuracies on my credit report, and I believe these entries are unjustly impacting my financial future. Dispute Reasons : I did not receive a 1099 form reflecting any charge-offs, which raises questions about its validity. I am a retired XXXX veteran who served for more than XXXX years of XXXX XXXX and i served in combat in multiple countries. I have tried to resolve my credit issues directly with the agencies and i have yielded any positive results. I have been affected by a past and recent data breach that compromised my personal information which caused some erroneous charges to my accounts. However, I had to remain mission focused. In light of these circumstances, I am requesting the removal of the charge- offs as well as all negative items on my credit report to allow me to have a fresh start. I respectfully urge you to investigate this matter thoroughly and to consider the unique challenges I have faced as a retired veteran service member. Thank you for your attention to this crucial matter. I look forward to your prompt response, as it will greatly assist me in rebuilding my credit and future financial opportunities. In light of these circumstances, I am requesting the removal of charge-off as well as all negative reflecting items. 

In light of these circumstances, I am requesting the removal of charge-offs as well as all negative items on my credit report to allow me to have a fresh start. I respectfully urge you to investigate this matter thoroughly and to consider the unique challenges I have faced as a service member. Experian is being sued for failing to properly investigate consumer disputes with creditors and committing other violations of the Fair Credit Reporting Act. The lawsuit alleges that Experian has been conducting " XXXX  investigations '' of consumer report errors, potentially jeopardizing XXXX  of Americans ' access to credit, employment, and housing. Please remove all negative accounts and charge off accounts that is reflecting negatively.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was alarmed that there are inaccurate late payment remarks on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: NC

Complaint narrative:
I submitted a dispute letter to all the credit agencies asking for my personal information be updated, misspelled names to be removed/corrected, old phone numbers to be removed, old employers to be removed, and to update my social for none that information was correct and/or didnt belong to me. This issue has not been resolved as of yet. Ive disputed hard inquiries that wasnt authorized by me nor do I have any open accounts with those companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: IL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXXXXXX XXXX XXXXXXXX XXXX Account number : XXXX Account name : DEPT OF EDUCATION/XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: GA

Complaint narrative:
Experian, XXXX, and TransUnion Dispute Departments To Whom It May Concern, This is a final legal demand for you to permanently delete the following fraudulent and previously deleted collection accounts reported by XXXX XXXX XXXX XXXX XXXX ( XXXX ) : Fraudulent Accounts Being Illegally Reported : XXXX XXXXXXXX XXXX XXXX  Amount : {$3600.00} Account Number : XXXX Date Reinserted : XX/XX/year> XXXX XXXX XXXX / XXXX Amount : {$450.00} Account Number : XXXX These accounts were disputed and successfully removed. Yet, XXXX has reinserted them without proper verification or required written notice, in direct violation of FCRA 611 ( a ) ( 5 ) ( B ). 

I have no knowledge of these debts, and I have never signed any contract with XXXX XXXX XXXX or the original creditors. No documentation has been provided to prove ownership or validity of this debt, in violation o

f FDCPA 809 ( b ). You are continuing to verify and report these accounts
using address matches instead of legal evidence, which constitutes a violation of FCRA 623 ( a ) ( 3 ) knowingly reporting inaccurate information.

To make matters worse, my personal data has been compromised in multiple data breaches, including the high-profile breaches involving your own agenciesExperian, XXXX, and TransUnion. You have already faced lawsuits and penalties for mishandling consumer data and failing to secure accurate reporting. 

It is completely unacceptable and unlawful to allow unverifiable, fraudulent dataespecially tied to breached informationto be reinserted and weaponized against consumers. 

You are now in violation of : FCRA 611 ( a ) ( 5 ) ( B ) : Illegal reinsertion without written notice or new validation FCRA 1681i : Failure to conduct a reasonable reinvestigation FCRA 623 ( a ) ( 3 ) : Knowingly furnishing inaccurate or unverifiable information CFPA, 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) : Engaging in unfair, deceptive, and abusive acts or practices YOU HAVE EXACTLY 24 HOURS TO : Permanently delete both accounts from all of my credit and rental reports Block any and all future reinsertion attempts by XXXX Provide written confirmation of deletion Send updated credit reports AND updated rental screening results to my email immediately If this demand is not fulfilled within 24 hours, I will be filing : A lawsuit under the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Act ( CFPA ) for statutory damages, emotional distress, and punitive damages You are legally obligated to report only verified, accurate information. Continuing to ignore this matter constitutes willful noncompliance and consumer abuse. 

This is your final warning. Act immediately. 

Sincerely, 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 2025-03-21 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:
Experian, XXXX, and TransUnion Dispute Departments To Whom It May Concern, This is a final legal demand for you to permanently delete the following fraudulent and previously deleted collection accounts reported by XXXX XXXX XXXX XXXX XXXX ( XXXX ) : Fraudulent Accounts Being Illegally Reported : XXXX XXXXXXXX XXXX XXXX  Amount : {$3600.00} Account Number : XXXX Date Reinserted : XX/XX/year> XXXX XXXX XXXX / XXXX Amount : {$450.00} Account Number : XXXX These accounts were disputed and successfully removed. Yet, XXXX has reinserted them without proper verification or required written notice, in direct violation of FCRA 611 ( a ) ( 5 ) ( B ). 

I have no knowledge of these debts, and I have never signed any contract with XXXX XXXX XXXX or the original creditors. No documentation has been provided to prove ownership or validity of this debt, in violation o

f FDCPA 809 ( b ). You are continuing to verify and report these accounts
using address matches instead of legal evidence, which constitutes a violation of FCRA 623 ( a ) ( 3 ) knowingly reporting inaccurate information.

To make matters worse, my personal data has been compromised in multiple data breaches, including the high-profile breaches involving your own agenciesExperian, XXXX, and TransUnion. You have already faced lawsuits and penalties for mishandling consumer data and failing to secure accurate reporting. 

It is completely unacceptable and unlawful to allow unverifiable, fraudulent dataespecially tied to breached informationto be reinserted and weaponized against consumers. 

You are now in violation of : FCRA 611 ( a ) ( 5 ) ( B ) : Illegal reinsertion without written notice or new validation FCRA 1681i : Failure to conduct a reasonable reinvestigation FCRA 623 ( a ) ( 3 ) : Knowingly furnishing inaccurate or unverifiable information CFPA, 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) : Engaging in unfair, deceptive, and abusive acts or practices YOU HAVE EXACTLY 24 HOURS TO : Permanently delete both accounts from all of my credit and rental reports Block any and all future reinsertion attempts by XXXX Provide written confirmation of deletion Send updated credit reports AND updated rental screening results to my email immediately If this demand is not fulfilled within 24 hours, I will be filing : A lawsuit under the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Act ( CFPA ) for statutory damages, emotional distress, and punitive damages You are legally obligated to report only verified, accurate information. Continuing to ignore this matter constitutes willful noncompliance and consumer abuse. 

This is your final warning. Act immediately. 

Sincerely, 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 2025-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
On or around XX/XX/year> I requested validation of this debt, and no proof has been provided within the required timeframe under FDCPA Section 809 ( b ). I dispute its validity and request its removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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:
FCRA Section 605 ( 15 U.S.C 1681c-2 ) addresses identity theft and requires consumer reporting agencies to block the reporting of information identified as resulting from an alleged identity theft within four business days of receiving proof of identity, an identity theft report and a consumer statement. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX Balance {$14000.00}

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 2025-03-21 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: IL

Complaint narrative:
FCRA Section 605 ( 15 U.S.C 1681c-2 ) addresses identity theft and requires consumer reporting agencies to block the reporting of information identified as resulting from an alleged identity theft within four business days of receiving proof of identity, an identity theft report and a consumer statement. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX Balance {$14000.00}

Company response to consumer: Closed with explanation