vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 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: IN

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-04-18 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: FL

Complaint narrative:
Re : INACCURATE REPORTING To Whom This May Concern : Im writing you regarding to multiple discrepancies and inaccuracies on the accounts listed below that I have noticed on my credit report. Equifax Account Name - XXXXXXXX XXXX XXXX  ( CLOSED ) - xxxxxxxx XXXX Experian Account Name - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Name - XXXX XXXX XXXX XXXX XXXX * * * * Equifax and Experian is reporting that the account is PAID while XXXX  has DELETED the account. Equifax and Experian is reporting that the account was opened on XX/XX/XXXX while XXXX  has DELETED the account. Equifax is reporting a high credit balance of {$7000.00} while XXXX  DELETED the account and Experian is reporting {$8800.00}. XXXX  has DELETED the account, Equifax is reporting the status of the account as current while Experian is reporting the status as late 180 DAYS. Equifax is reporting a last report date of XX/XX/XXXX, Experian is reporting a last date report of XX/XX/XXXX, and XXXX  has DELETED the account. This account is being reported with different date of activity date and continuously being updated amongst each credit bureaus and is not properly verified or consistent. Equifax is reporting last date of activity as XX/XX/XXXX, Experian is reporting the last date of activity as XX/XX/XXXX and Transunion has DELETED the account. You are negatively affecting my credit score due to inaccurate reporting. According to the FCRA, Section 611 ( 5 ) ( A ), you are required to DELETE all information that is inaccurate, incomplete, or which can not be verified IMMEDIATELY from my credit report. Please send me an updated credit report within 30 days of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: MN

Complaint narrative:
XXXX XXXX  {$1700.00} ( I noticed this account XX/XX/year> ) XXXX XXXX- {$2700.00} ( I noticed this account XX/XX/year> ) XXXX XXXX {$1500.00} XXXX XXXX {$1400.00} XXXX XXXX  {$1200.00} I reached out to all these accounts and made them aware that I was a victim of ID theft as well as a major data breach from XXXX  and XXXX. I asked them to verfiy my true informaiton and the orginal account documents and signture to verify the accoutn belong to me and they could not ; I made them aware of the identity theft and asked them to remove from my credit report via certified letter and never got a response.

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 2025-04-18 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: MN

Complaint narrative:
XXXX XXXX  {$1700.00} ( I noticed this account XX/XX/year> ) XXXX XXXX- {$2700.00} ( I noticed this account XX/XX/year> ) XXXX XXXX {$1500.00} XXXX XXXX {$1400.00} XXXX XXXX  {$1200.00} I reached out to all these accounts and made them aware that I was a victim of ID theft as well as a major data breach from XXXX  and XXXX. I asked them to verfiy my true informaiton and the orginal account documents and signture to verify the accoutn belong to me and they could not ; I made them aware of the identity theft and asked them to remove from my credit report via certified letter and never got a response.

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 2025-04-18 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 
and accuracies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
- Check sent by XXXX and account charged on XX/XX/year> for {$7600.00} - Check was never received by recipient so I cancelled check, and XXXX confirmed check was void, on XX/XX/XXXX. My account was refunded the {$7600.00} on this day. 
- An attempt to cash the check was made on XX/XX/XXXX, after the check was confirmed void - I was re-charged on XX/XX/XXXX the amount of {$7600.00} for the voided check, this is an unauthorized charge because the check was voided when an attempt was made to cash it.

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 2025-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
the general canceled policy. they allege I owed XXXX and this was disputed and removed previously. Equifax removed it. now credit systems added it back illegally alleging the original creditor is them. this was previously disputed and was removed. its illegal to add it back to my credit files. i provided proof previosly that i was covered by the root insurance and had no active auto insurance policy with the general

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Several companies accessed my credit report without my permission, which has damaged my credit and lowered my score. I contacted Equifax, and a representative assured me these inquiries would be removed, but they are still showing. This situation is very stressful and makes me worry I may be a victim of identity theft. I need these unauthorized inquiries removed immediately to prevent further harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: NC

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX 

Account 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 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 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 2025-04-18 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: IL

Complaint narrative:
On XX/XX/year>, I sent a certified letter to TransUnion ( USPS tracking # XXXX ) formally disputing inaccurate entries in my credit report, along with incorrect personal details. I included copies of my photo ID, Social Security card, and a recent bill with my current address to assist in verifying my identity and address. 
I received a response from TransUnion dated XX/XX/year>, stating : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' This response is in direct contradiction to my consumer rights as stipulated under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that if a consumer disputes the accuracy or completeness of any item of information within their credit file, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. TransUnion 's refusal to process my legitimate request despite receiving the necessary verification documentation demonstrates a failure to meet this obligation. 
TransUnions lack of action has effectively denied me the right to an accurate and fair credit report, potentially harming my financial standing. This disregard for my rights under the FCRA is both frustrating and unacceptable. 
To support my claim, I have attached copies of my original dispute letter, TransUnion 's response and USPS certified proof of delivery.

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 2025-04-18 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:
Date : XX/XX/year> To : Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, XXXX XXXX Subject : Formal Complaint Against Equifax for Ongoing Credit File Mixing and Non-Compliance with FCRA Dear CFPB, I am writing to file a formal complaint against Equifax concerning persistent inaccuracies in my credit report due to the mixing of my credit file with another individual sharing my name. Despite Equifax 's acknowledgment of this error, the issue remains unresolved for several months. 
Details of the Issue : Credit File Mixing : Equifax has admitted to erroneously combining my credit information with that of another individual named XXXX XXXX. 
Lack of Resolution : Despite multiple communications, Equifax has failed to correct this issue.

Systemic Failures : Each time I contact Equifax, I am informed that their systems are down, preventing any assistance. This consistent response raises concerns about potential undisclosed breaches or systemic issues within the company. 
Unhelpful Customer Service : On my most recent call, I spoke with a representative named Diqsha ( Employee ID : XXXX ), who was unable to assist me in obtaining my online credit report due to system outages. 
Violations of the Fair Credit Reporting Act ( FCRA ) : Equifax 's actions appear to violate several provisions of the FCRA : 15 U.S.C. 1681e ( b ) : Requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Mandates that consumer reporting agencies conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file within 30 days of receiving notice of the dispute. 

Requested Resolution : I respectfully request that the CFPB : Investigate Equifax 's failure to correct the inaccuracies in my credit report. 
XXXX Ensure that Equifax complies with FCRA requirements to maintain accurate credit information. 
Mandate that Equifax provides me with an accurate and updated credit report promptly. 
Take appropriate enforcement action against Equifax for any confirmed violations of the FCRA. 
I am prepared to provide any additional information or documentation required to support this complaint. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: FL

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXXXXXX formerly known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN # : XXXX XXXX : XX/XX/year>XXXX  Dear Equifax , TransUnion and Experian : I want you be aware that Im terribly upset after finding out that my Equifax , TransUnion and Experian report shows a series of erroneous items. Your mistakes & incapacity to use accurate reporting practices has caused me to be denied after applying for new credit lines & is ruining my financial stability. This is unacceptable & youre obligated by law not only to correct what is erroneously reported, but also to remove what should not be in my credit report. Time is an important matter to me, so please allow yourself time to investigate each & every one of the items listed below & get my report corrected in the following 30 days mandated by law! Pursuant to 15 USC 1681i of the Fair Credit Reporting Act ( FCRA ) ; I demand that the items mentioned in this dispute letter be verified & deleted from my Credit Report. 
Below you will find a list of the items that I am disputing ( 15 USC 1681i ( a ) ( 1 ) ( A ) FCRA ) : XXXX- lates reported, I have always made every payment on time prior to this account being paid in full.

XXXX XXXX XXXX XXXX I was never late on any payment to this merchant. 
XXXX XXXX I was never late paying this, the owner sold me a dysfunctional system and agreed to remove any delinquency off my credit report since they system was defaulted and unable to use, therefore a full payment was made to settle the account. 
XXXX XXXX I closed this account because I no longer needed the services, prior to closure there were never any late payments. 
XXXX XXXX XXXX XXXX XXXX explained above under XXXX ; never late. 
XXXX XXXX- this account does not belong to me. I have never had a XXXX XXXX account. 
XXXX- this account does not belong to me. I have never had a XXXX account.

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 2025-04-18 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: FL

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXXXXXX formerly known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN # : XXXX XXXX : XX/XX/year>XXXX  Dear Equifax , TransUnion and Experian : I want you be aware that Im terribly upset after finding out that my Equifax , TransUnion and Experian report shows a series of erroneous items. Your mistakes & incapacity to use accurate reporting practices has caused me to be denied after applying for new credit lines & is ruining my financial stability. This is unacceptable & youre obligated by law not only to correct what is erroneously reported, but also to remove what should not be in my credit report. Time is an important matter to me, so please allow yourself time to investigate each & every one of the items listed below & get my report corrected in the following 30 days mandated by law! Pursuant to 15 USC 1681i of the Fair Credit Reporting Act ( FCRA ) ; I demand that the items mentioned in this dispute letter be verified & deleted from my Credit Report. 
Below you will find a list of the items that I am disputing ( 15 USC 1681i ( a ) ( 1 ) ( A ) FCRA ) : XXXX- lates reported, I have always made every payment on time prior to this account being paid in full.

XXXX XXXX XXXX XXXX I was never late on any payment to this merchant. 
XXXX XXXX I was never late paying this, the owner sold me a dysfunctional system and agreed to remove any delinquency off my credit report since they system was defaulted and unable to use, therefore a full payment was made to settle the account. 
XXXX XXXX I closed this account because I no longer needed the services, prior to closure there were never any late payments. 
XXXX XXXX XXXX XXXX XXXX explained above under XXXX ; never late. 
XXXX XXXX- this account does not belong to me. I have never had a XXXX XXXX account. 
XXXX- this account does not belong to me. I have never had a XXXX account.

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 2025-04-18 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:
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 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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: NC

Complaint narrative:
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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-18 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: CA

Complaint narrative:
There are fraudulent items on my credit report that I did not authorize and from which I received no benefit. Ive reported this matter to the Federal Trade Commission, yet these items still remain. This is a serious issue that requires immediate attention and resolution.

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