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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : Inquiries 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 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: CT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % 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 2025-04-18 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: DISCOVER BANK
State: OH

Complaint narrative:
Hey, im writing this complaint because A fraudulent account has appeared on my credit report under my name. When I did not open this account or give any permission to authorize it, I didnt have any knowledge of its existence until I reviewed my credit report. Now This is identity theft, and it is negatively impacting my credit score and my financial well-being.

I have already contacted all credit bureaus and filed a dispute, as well taken necessary Steps To Freeze My Credit Profile On XXXX, XXXX, XXXX  .. However, the account is still being reported. I am now seeking CFPB help in having this account permanently removed. 
THE COMPANIES INVOLVEDXXXX  account type Other XXXX * opened XX/XX/year> DISCOVER BANK account type credit card XXXX *. Opened XXXXthese accounts are showing on XXXX, XXXX, and XXXX  I want immediate deletion of this fraudulent account and {$1000.00} per violation of the FCRA I want this Fraudulent account to be fully investigated and removed from my credit report by the reporting companies and all credit reporting agencies. I also want confirmation that these accounts will not impact my credit moving forward thank you. best regards.

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 status incorrect
Company: EdFinancial Services
State: TX

Complaint narrative:
Through XXXX and XXXX of 2025, I contacted the loan servicer to get the steps to have the loans forgiven as a totally and permanently XXXX veteran. I requested that the lender allow me time to get the documentation complete. 

I would like to add that I had been severely ill and my entire life was impacted by an illness that was purposely neglect by the XXXX XXXX XXXX XXXX XXXX XXXX. All of which, the school was informed of prior to any of these occurrences. Since the issue began I have been being abused tremendously by systems that are meant to protect the XXXX. It truly feels like a hate crime. 

It wasnt until XXXX that the fsa started processing the application. The information still has not been sent to the loan servicer. 

I also never received any written notices in regard to the loan status or anything else to do with the account. 

Nonetheless, the lender reported my account 90 days late and made my credit scores drop by XXXX points. I literally was about to be pre approved to use my XXXX XXXX XXXX  to purchase after having lost my first house due to said illness. 

I have worked tirelessly to rebuild my life and been extremely responsible in managing my account with this lender. I am highly disappointed in them and would have imagined that all of this would be taken into consideration before ruing my life.

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: NY

Complaint narrative:
I am writing to formally request the immediate removal of unauthorized hard inquiries from my credit report, which I believe were reported without my consent and as a result of a data breach in 2015 that compromised my Social Security Number, date of birth, address, and other personal information.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., consumers have the right to dispute inaccurate or unauthorized information on their credit reports. Specifically, Section 1681i provides the procedure for consumers to dispute and have inaccurate or unverifiable information removed from their reports. 

Furthermore, the XXXX  data breach exposed my personally identifiable information, and any subsequent inquiries arising from that breach or without my explicit authorization are not valid under federal law. I did not authorize these inquiries, and they are damaging my creditworthiness and report integrity. 

Based on these grounds, I am requesting that XXXX  : XXXX. Investigate the disputed inquiries ( XXXX ) listed below ( please specify the inquiries if known ). 
XXXX. Remove any inquiries that are found to be unauthorized, inaccurate, or resulting from the XXXX  breach. 
XXXX. Provide me with written confirmation of the removal or correction of these inquiries within the time frame mandated by law, typically 30 days. 

Please consider this letter a formal dispute under the FCRA, and I request that you cease reporting any unauthorized inquiries immediately. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that the disputed inquiries have been removed from my credit report.

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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to file a complaint against Experian for their failure to properly address my dispute regarding inaccurate items on my credit report. 
On XX/XX/year>, I mailed a dispute letter to Experian via USPS certified mail, tracking number # XXXX. In this letter, I detailed all inaccurate items and incorrect personal information listed on my credit report. To aid in verifying my identity and address, I included a copy of my photo ID, social security card, and a recent bill with my current address.

I received a response from Experian dated XX/XX/year> with the following statement : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. '' This response is completely unacceptable and appears to be a blatant violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). The FCRA clearly requires Experian to conduct a reasonable reinvestigation of any disputed items in a consumers file. There is no ambiguity in this requirement ; Experian 's refusal to investigate my dispute, despite receiving sufficient verification documents and a clear request, represents a failure to meet its statutory obligation. I am including a copy of my dispute letter sent to Experian, USPS certified mail proof of delivery and Experian 's response as evidence 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 2025-04-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % 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 2025-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ridge & Valley Realty, Inc.
State: CO

Complaint narrative:
this credit file was illegally added for auto insurance. it was removed previously. credit systems now has added it back illegally indicating they are the original creditor when they are another collector attempting to collect a debt i do NOT owe

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
I was threatened by a collection company, that i owed money for a previous credit card acct. 
The acct is more than ninety days Past due. This acct is in collections, with Midland Credit Collection Agency. They threaten to pursue Legal Action against me.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern : I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) against TransUnion and XXXX XXXX for unlawful reinsertion of previously deleted information in violation of the Fair Credit Reporting Act ( FCRA ).

Background A XXXX XXXX account that had been previously disputed and deleted from my credit report has now been reinserted without proper notification or verification, as mandated by FCRA Section 611 ( a ) ( 5 ) ( B ). I never received written notice within five ( 5 ) business days of the reinsertion, which is a direct violation of federal law.

Additionally, the reinsertion of this account without my knowledge or certification of its accuracy also violates FCRA 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report.

FCRA Violations Involved FCRA 1681e ( b ) : Failure to maintain maximum possible accuracy. FCRA 611 ( a ) ( 5 ) ( B ) : Reinserted information without required 5-day notice.

FCRA 611 ( a ) ( 7 ) : No description of procedure provided for the reinvestigation and reinsertion.

What I Am Requesting I request the CFPB to intervene and require : Immediate and permanent deletion of the reinserted XXXX XXXX account from my credit file.

Full documentation of how the account was verified before reinsertion.

Explanation of why no written notice was sent to me regarding the reinsertion, as required by law.

Compliance assurance that any future reporting meets all FCRA and Metro 2 compliance standards.

This inaccurate reinsertion has caused unnecessary damage to my credit and financial stability. I am requesting swift corrective action. Attached is my dispute letter, credit report excerpts, and proof of previous deletion.

Thank you for your attention to this matter.

Sincerely! 

Attachments : Original Dispute Letter Copy of Credit Report Showing Reinsertion Proof of Prior Deletion from TransUnion in the CFBP portal ID and Proof of Address

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: CA

Complaint narrative:
I want to file a complaint against cashapp for discrimination and harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I have reported identity theft to police report as well as the credit bureaus. I have been harassed by collection agencies at least 40 times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT

Complaint narrative:
Capital One Bank USA is reporting the incorrect amount after account was closed. The debt jumped on XX/XX/year> from {$7400.00} to {$7900.00} in XX/XX/year>. This account was closed and there was no written notice. They have tried to sue me for this debt but it was dismissed in court due to XXXX  law and inability to pay. Since said court date, which stated a different amount, they have updated this account to an inaccurate amount which lowered my credit scores and have harmed me. I have done everything correct with handling this and they have broken the law by hurting my scores and chances of getting a home. They are harassing me with this new information being out on my account since they were not able to collect in court. I demand that this debt be removed from my credit on all three and they stop negatively affecting my life bc they cant legal collect this debt. Also, they are currently reporting late payments for this debt which has tanked my scores as well, making it impossible to live or take care of my family bc my scores keep dropping and my on time payment are hurting me. The account is closed and it is not active and was handled in court and they can not misrepresent their debt or report missed payments that are not required from me at this time.

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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