vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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: OH

Complaint narrative:
To Whom It May Concern, This letter serves as my formal and final demand for the IMMEDIATE deletion of inaccurate and outdated information currently being reported on my credit file. As per the Fair Credit Reporting Act ( FCRA ) Section 605 ( c ), it is a direct violation of federal law for a consumer reporting agency to knowingly report information that has been confirmed as inaccurate or outdated. Despite my previous attempts to resolve this matter amicably, your agency has failed to comply with your legal obligation to ensure the accuracy and completeness of the information you report. I am referring specifically to the following item ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Cherrington Firm PLLC
State: UT

Complaint narrative:
On XX/XX/year>, I received a card stating that court papers had been served in my name. The card was left by a company identifying itself as XXXX. I attempted to research this company but was unable to find any legitimate office information online, other than the phone number listed on the card. Due to this, I was concerned that the notice might be fraudulent. 

On XX/XX/year>, I contacted XXXX XXXX XXXX to confirm whether they had authorized any collections and was given the contact information for Cherrington Firm. On XX/XX/year>, I called Cherrington Firm around XXXX XXXX During this call, I inquired about the nature of the account they were referencing. The representative quoted an amount of approximately {$570.00}, which they attributed to fees. This amount was significantly higher than the original medical bill of {$140.00}. I questioned the accuracy of this information and whether any adjustments could be made, but I was told nothing further could be discussed until I was formally served. When asked if I had been served, I replied that I had not. 

On XX/XX/year>, I submitted a written dispute via email and requested that all further communications be conducted in writing. On XX/XX/year>, I received another card from XXXX claiming that legal papers had been served in my name. 

On XX/XX/year>, I contacted multiple courthouses to check if any case had been filed under my name. Each courthouse confirmed that no such case existed. 

On XX/XX/year>, while I was not home, an individual attempted to deliver legal papers to my brother-in-law. He refused to accept them. The individual then left the papers at the separate entrance to my home that my brother-in-law uses. This entrance is not my residence or living area. Despite this, the papers were left there, and it was later implied that service had been completed. Upon reviewing the documents, I noted that they referenced an alleged balance and attorneys fees, but they did not contain a case number or a judges signature. 

On XX/XX/year>, I sent a second written request for validation and a detailed breakdown of the account via certified mail. On XX/XX/year>, I received a voicemail from Cherrington Firm requesting a return call. I responded with another email reminding them that all communications must be in writing. 

On XX/XX/year>, I checked the XXXX XXXXXXXX court database to determine whether any filing had occurred, and again, no case was listed under my name. As of that date, I had still not received proper validation. On XX/XX/year>, I received an email from Cherrington Firm containing what they identified as validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
Complaint Against Experian Failure to Verify Disputed Accounts I submitted written disputed on XX/XX/year> ( receipt ) for several accounts ( see below ) to Experian and requested verification. Experian failed to provide proper verification or documentation as required under the FCRA ( 15 U.S.C. 1681i ).

Their investigation results only stated : The company that reported the information has certified to Experian that the information is accurate. This item was not changed...

The item you disputed has been updated, which may include an update...

This is not verification. Experian did not provide the method of verification or supporting documents despite my request, violating 1681i ( a ) ( 6 ) ( B ) ( iii ). Simply relying on a furnishers certification does not meet the requirement for a reasonable reinvestigation. 

See accounts below that XXXX requesting removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
While checking my credit profile I had some hard inquiries listed that do not belong 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 explanation
Consumer complaint received 2025-09-23 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: CA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion received my FTC Report and Dispute Letter and claimed it to be by a XXXX party company. They are refusing to help me with my claim, I was disputing Fraudulent Inquires : The details of the disputed inquiry are as follows : Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: FL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 


XXXX XXXX XX/XX/year>

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 2025-09-23 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: SC

Complaint narrative:
I am writing to formally dispute inaccurate credit reporting on my credit file and to notify you of negligent handling of my account with XXXX XXXX. On XXXX  XX/XX/year>, I submitted my payment of {$230.00} via certified mail with overnight delivery and required signature confirmation on Friday XX/XX/year>, with a signature signed with the initials XXXX  According to the carriers records, including an email receipt and signed proof of delivery, the creditor received the payment in a timely manner USPS tracking number : XXXX, XXXX XXXX number : XXXX. 

Despite confirmed receipt, my account has not been properly updated to reflect this payment. As a direct result, my credit score has dropped significantly, and my credit utilization has been inaccurately reported at an extremely high level. This constitutes both negligent account management by the creditor and inaccurate reporting to the credit bureaus.

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., credit reporting agencies are required to ensure the maximum possible accuracy of the information they maintain and furnish to other entities. The continued reporting of inaccurate information by your agency is a violation of this duty.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: SC

Complaint narrative:
I am writing to formally dispute inaccurate credit reporting on my credit file and to notify you of negligent handling of my account with XXXX XXXX. On XXXX  XX/XX/year>, I submitted my payment of {$230.00} via certified mail with overnight delivery and required signature confirmation on Friday XX/XX/year>, with a signature signed with the initials XXXX  According to the carriers records, including an email receipt and signed proof of delivery, the creditor received the payment in a timely manner USPS tracking number : XXXX, XXXX XXXX number : XXXX. 

Despite confirmed receipt, my account has not been properly updated to reflect this payment. As a direct result, my credit score has dropped significantly, and my credit utilization has been inaccurately reported at an extremely high level. This constitutes both negligent account management by the creditor and inaccurate reporting to the credit bureaus.

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., credit reporting agencies are required to ensure the maximum possible accuracy of the information they maintain and furnish to other entities. The continued reporting of inaccurate information by your agency is a violation of this duty.

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 2025-09-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
I was contacted by a person named XXXX XXXX and then another person named XXXX XXXX from a company called lightstream they took my information banking login social security card driver 's license number and a lot of other identifying information and then they basically started depositing checks into my account and then asking me to send them back saying that it was working with the FTC and transunion to improve my credit score the next day my bank decline these checks and took them back out of my account and I was responsible for him I would like to have the money back and have this company dealt with

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 2025-09-23 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, 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 and Equifax 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 and Equifax 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 explanation
Consumer complaint received 2025-09-23 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: GA

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unsolved. I request investigation and removal of these items, as it incorrect and does not reflect my true credit history. I do not have a contract, nor did I authorize this company to obtain my information, my rights to privacy were violated under the FDCPA & FCRA. UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ), SECTION 15 U.S.C 6802. ALL INCORRECT INFORMATION THAT DOESNT BELONG TO ME MUST BE REMOVED FROM MY CREDIT REPORT. XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX ) was opened XX/XX/XXXX with the amount {$710.00} XXXX XXXX XXXX XXXX  ( XXXX XXXX ) was opened on XX/XX/XXXX with the amount {$600.00} XXXX ALL ABOVE INCORRECT INFORMATION DOESN'T BELONG TO ME MUST BE REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX - XXXX - Account not mine XXXX  - XXXX - Account not mine XXXX XXXX XXXX  - Account not mine XXXX XXXX XXXX XXXX  - Account not mine

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 2025-09-23 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened XXXX XXXXXX/XX/XXXX, Balance : {$600.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXXXX/XX/XXXX, Balance : {$240.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

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 FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation