vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Convergent Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have violated my rights. 

I am writing to formally dispute a fraudulent account that appears on my Transunion, Equifax, and Experian credit report. I recently obtained a copy of my credit report and discovered information that does not belong to me. This account was not opened or authorized by me, and I believe I have been a victim of identity theft.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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:
Dear equifax, experian, transunion, im writting to formally dispute again under FCRA 605B as these XXXX accounts attached to the FTC report have been reinserted illigally back onto my consumer credit report. This reassertion is not permitted unless the furniture certifies the information as accure and is not the resultof identity theft, and I am provided written noticeat least XXXX business days before the information is reinserted. FCRA 15 U.S.C 1681 ( d ) ( 2 ) ( a ) ( i ) definitions rules of construction exclusions! I was never given the opportunity to opt out as consumer law says im afforded! 15 U.S.C 6801 says that these financial institutions are suppose to protect my personal information as a safe guard continuously with confidentiality meanning they dont ever got the right to report my person information when I didnt give them permission for it to be reported as in the conclusion section says its against the law 15 U.S.C 6802 & 6804 section A, B & C! Not provided non disclosure opportunity for this information to even appear on my consumer report which is totally illegal! Please block under 605b 4 days block and remove from my consumer credit reports.

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 2025-05-04 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:
TransUnion Failing to Comply with FCRA Refusal to Remove Inaccurate and Disputed Information To whom it may concern, I am filing this formal complaint against TransUnion for its continued failure to comply with the Fair Credit Reporting Act ( FCRA ). TransUnion has refused to correct or remove inaccurate, outdated, and disputed information from my credit report, despite being provided with proof of identity and valid dispute documentation. 

Specifically, TransUnion has failed to take proper action regarding the following : A XXXX XXXX account that was paid in full is still being reported as negative. This is inaccurate, misleading, and a direct violation of FCRA guidelines. I demand that this account be immediately corrected, removed, or blocked. 

XXXX XXXX, which is currently involved in an active lawsuit, continues to be reported on my credit file. It is inappropriate to report an account that is the subject of ongoing litigation. If TransUnion does not cease this improper reporting, I will be left with no choice but to pursue legal action against TransUnion as well. 

XXXX accounts, including XXXX with XXXX XXXX, are currently in arbitration. These accounts are part of a legal dispute and should not be reported until arbitration is resolved. Continuing to report them is damaging, stressful, and shows willful disregard for my rights. 

I have also requested the removal of multiple unauthorized inquiries, and TransUnion has ignored those requests, despite my verified identification and supporting documents. 

Additionally, XXXX XXXX, which previously reported on my credit report, has stopped reporting. This clearly shows that removals are possible, yet TransUnion selectively chooses to disregard my other valid disputes. 

The continued reporting of these accounts is causing me emotional distress, anxiety, and ongoing financial hardship. TransUnions behavior represents willful negligence and noncompliance with FCRA regulations, particularly under FCRA 611, which governs dispute resolution and accuracy of credit reporting. 

This notice serves as my final attempt to have these matters resolved amicably and without court involvement. If TransUnion does not take immediate corrective action, I will proceed with legal litigation to recover damages. 

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate TransUnions actions and take enforcement measures as appropriate. 

My verification documents are attached

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 2025-05-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am contacting your credit bureau as I recognized a hard inquiry that i do not recognize as well as addresses. I have contacted you all multiple times and I'm unable to get through to have the addresses removed below as well as the hard inquiry I dont recognize. Please remove below immediately as I am not associated with them. 

Addresses : XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX # XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX BRIDGE XXXX XXXX, TN XXXX Hard Inquiry : 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 2025-05-04 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: TX

Complaint narrative:
I am contacting your credit bureau as I recognized a hard inquiry that i do not recognize as well as addresses. I have contacted you all multiple times and I'm unable to get through to have the addresses removed below as well as the hard inquiry I dont recognize. Please remove below immediately as I am not associated with them. 

Addresses : XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX # XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX BRIDGE XXXX XXXX, TN XXXX Hard Inquiry : 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 2025-05-04 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:
As you requested bill, driver 's license, birth cert, passport, FTC report, and info to show I had been a part credit breach, to remove these hard inquiries I already fixed them with a financial institute. I hope this is the final step to fix my credit reports

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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This CFPB complaint is submitted pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ) to request that Equifax promptly block the fraudulent and unauthorized accounts listed below from my consumer credit report within XXXX business days of receiving this notice. Additionally, under FCRA Section 611 ( 15 U.S.C. 1681i ), I dispute the accuracy and completeness of these items and demand a proper reinvestigation and removal as required by federal law.

The fraudulent accounts appearing on my credit file include : A loan account with Fifth Third Bank opened on XX/XX/year>, with a balance of {$28000.00} A credit account with First Premier opened on XX/XX/year>, with a balance of {$490.00} Under FCRA XXXX XXXX, I demand that Equifax not only reinvestigate these disputed accounts but also provide me with detailed documentation showing how each account was verified as accurate, including the method of verification and physical proof used to confirm the legitimacy of the reported information. Failure to provide this evidence will constitute a violation and establish prima facie evidence of false and fraudulent reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Santander Consumer USA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone : ( XXXX ) XXXX Subject : Request for Verification of Account Details Account Number : XXXX To Whom It May Concern : This correspondence serves as a formal request regarding the above-referenced account, which appears with derogatory information on my XXXX credit report dated XX/XX/XXXX. 

Please be advised that the reported information appears to contain discrepancies. Pursuant to my rights under the Fair Credit Reporting Act ( XXXX U.S.C. XXXXg and XXXX ), I respectfully request that you provide the following : The date of delinquency associated with the account ; The date the account was charged off ; The date of last payment received on the account ; The current status of the account ( e.g., charged off, paid, settled, etc. ). 

Please provide your full response in writing within thirty ( 30 ) days of receipt of this notice. This request is made to ensure maximum possible accuracy under the Fair Credit Reporting Act. 

Failure to respond appropriately may constitute a violation of federal law and may result in enforcement actions to protect my rights. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: TN

Complaint narrative:
Numerous violations of the FCRA by XXXX XXXX, XXXX, XXXX, XXXX XXXX Transunion, Equifax, and Experian. Previous investigations were unsuccessful in 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 2025-05-04 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: FIRST HORIZON BANK
State: TN

Complaint narrative:
I received a letter from First Horizon Bank in XXXX telling me that effective XX/XX/year> I would no longer be able to draw funds from my HELOC Account and based it upon my XXXX  Credit Report that they refered to and said I had a XXXX XXXX of XXXX on XX/XX/year>. I went to the First Horizon Bank located at XXXX XXXX XXXX XXXX. XXXX, TN XXXX. I talked to one of the employees who checked with her XXXX and I was told the paper was right and there was nothing I could do about it. I then went to my savings account at another bank and withdrew the amount needed to pay my HELOC off and returned to First Horizon Bank and paid the balance off. I was told by the bank XXXX that she would ask for clarification as to what was going on with my account. I contacted XXXX  and got a copy of my XXXX XXXX. It was not a XXXX it was actually a XXXX XXXX XXXX. The only thing on my credit report that was questionable was a collections report for medical bills for {$1900.00} and {$580.00} filed on XX/XX/year>. I asked the Bank XXXX to look into this and find out why they had stopped me from being able to draw funds form my HELOC. She emailed someone asking for clarification. On XX/XX/year> I was called by her assistant and told I was unable to use my account anymore due to the unpaid medical bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I previously filed a complaint and dispute the CFPB # XXXX. Portfolio Recovery is still harassing me over a debt that doesn't belong to them and trying to collect amount for fraudulent charges made on the XXXX XXXX credit card through XXXX XXXX XXXX. I reported this information to XXXX XXXX XXXX and nothing was done. On XX/XX/XXXX Portfolio Recovery replied they would cease all communication and it's in writing and was submitted back to the CFPB. As of XX/XX/XXXX I received a letter in the mail from Portfolio Recovery about this same debt. I asked this illegitimate debt buying company to stop harassing and they are still harassing me. This is the third violation and I will be contacting an attorney to sue Portfolio Recovery. I did not make the purchases on the XXXX XXXX credit card and have no problem going to court. They threatened to put account on credit report to damage my credit which is another violation. I would like for Portfolio Recovery to send me a copy of credit application with my signature and each transaction showing my signature. Again as I stated before I will sue Portfolio Recovery for all three violations. I have proof to back it up. Portfolio Recovery agreed to cease all communications but still mailing out made up letters. I would love to present everything to my attorney and the judge. Portfolio Recovery will be stopped they were just sued and it's about time they be sued again. I am a XXXX veteran and have plenty of time to speak with a judge. This harassing is affecting my XXXX and I made sure the VA is aware of this harassing and how it's affecting my medical conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: IL

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Reporting To Whom It May Concern, I am writing to formally dispute the accuracy of information that XXXX XXXX XXXX has reported to the credit reporting agencies ( XXXX, XXXX, and TransUnion ) regarding the following account : Creditor : XXXX XXXX XXXX Issue : incorrect balance, payment status, open/closed date, etc. 



After reviewing my credit reports, I have identified discrepancies and inaccuracies related to this account. Under the Fair Credit Reporting Act ( XXXX  ), XXXX U.S.C. XXXX, furnishers of information have a legal obligation to ensure the data reported to credit bureaus is complete and accurate. The information currently being reported does not meet that standard. 



I hereby request that XXXX XXXX XXXX conduct a full investigation and either correct the inaccurate data or delete the account entirely if the reported information can not be verified with complete accuracy. 


Please provide written confirmation of the outcome of your investigation within the XXXX period mandated by the FCRA. 



Thank you for your prompt attention to 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 explanation
Consumer complaint received 2025-05-04 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: IL

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Reporting To Whom It May Concern, I am writing to formally dispute the accuracy of information that XXXX XXXX XXXX has reported to the credit reporting agencies ( Equifax, XXXX, and XXXX  ) regarding the following account : Creditor : XXXX XXXX XXXX Issue : incorrect balance, payment status, open/closed date, etc. 



After reviewing my credit reports, I have identified discrepancies and inaccuracies related to this account. Under the Fair Credit Reporting Act ( XXXX  ), XXXX U.S.C. XXXX, furnishers of information have a legal obligation to ensure the data reported to credit bureaus is complete and accurate. The information currently being reported does not meet that standard. 



I hereby request that XXXX XXXX XXXX conduct a full investigation and either correct the inaccurate data or delete the account entirely if the reported information can not be verified with complete accuracy. 


Please provide written confirmation of the outcome of your investigation within the XXXX period mandated by the FCRA. 



Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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:
I HAVE BEEN AFFECTED BY THE XXXX  XXXX 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. 

Account Name : XXXX XXXX XXXX LL # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Balance {$46.00} Account Name XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX NA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX FINANC XX/XX/XXXX XXXX XXXX BUIC XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX AUTO XX/XX/XXXX CAP XXXX NA XX/XX/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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXXi, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of & thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate ( XXXX XXXX ) Open ( XXXX XXXX )

Company response to consumer: Closed with non-monetary relief