vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Formal Complaint Regarding Unauthorized and Inaccurate Reporting by XXXX XXXX XXXX, FERPA Violation, and FCRA Non-Compliance I am filing this complaint against XXXX for knowingly reporting unauthorized and inaccurate student loan accounts with late payments to my credit report in violation of multiple federal laws and regulations. The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX These accounts should not be on my credit report for the following reasons : Data Breach & Unauthorized Access My personal information was accessed without my consent due to the DOGE data breach. This breach constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and Federal Education Rights and Privacy Act ( FERPA ). XXXX has no lawful basis to continue reporting these accounts after my private data was compromised. 
FCRA 605B Violation Under 15 USC s 1681c-2, I have the right to block information resulting from identity theft or unauthorized accounts. These accounts are unauthorized and therefore must be removed immediately. 
Debt Validation Failure Under the Fair Debt Collection Practices Act, XXXX must provide complete debt validation before reporting or continuing to report any debt. I have requested validation and have not received lawful proof of ownership, signed contracts, or legitimate account documentation. 
FERPA Breach DOGEs unauthorized access to my educational loan records constitutes a direct FERPA violation. XXXX failed to safeguard my educational records, and by law, can not continue reporting them to consumer reporting agencies. 
No Consent to Report Federal law requires that a furnisher of information have my authorization to report accounts to consumer reporting agencies. I have not given XXXX such permission. 
Due to these violations, I am demanding the immediate and permanent deletion of these accounts from all credit bureaus. The continued reporting of this information is willful noncompliance with federal law and causes ongoing damage to my creditworthiness and financial stability. 
I am requesting that the CFPB take immediate enforcement action to hold XXXX accountable for these violations and ensure these accounts are deleted.

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 2025-08-15 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-08-15 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: CA

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 15 USC 1681. 

XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : FACTUAL DATA - XXXX XXXX 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 antedates 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 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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this formal complaint against Transunion for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Transunion with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent account from my credit report, as required by law. Specifically, the account in question include XXXX CARD XXXX, which XXXX XXXX confirmed would be removed but remains on my report. This is an identity theft-related and should have been blocked under 1681c-2 of the FCRA. Transunions refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. 
For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

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 2025-08-15 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:
I am filing this complaint against Experian for their continued reporting of inaccurate and unverified information on my credit file despite my disputes. This is a direct violation of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy, and 15 U.S.C. 1681i ( a ), which mandates a reasonable reinvestigation when a consumer disputes information. 

My file contains two addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX, LA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX I have never lived at these addresses, never conducted any business there, and have no connection to them. Keeping them in my file creates false associations with accounts and activities that are not mine. 

My report also shows an account from XXXX  number XXXXXXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a {$4100.00} charge-off balance. I have never been provided with any original signed agreement, application, or billing history proving that this debt belongs to me. Under the FCRA, if an account can not be verified, it must be removed, yet Experian continues to report it without proof. 

In addition, my file shows multiple unauthorized credit inquiries : XXXX XXXXXXXX, XXXX on XX/XX/XXXX, XXXX Card on XX/XX/XXXX, and XXXX XXXX XXXX on XX/XX/XXXX. I never gave permission for these companies to access my credit report. Under 15 U.S.C. 1681b, a credit bureau may only report inquiries where a permissible purpose exists. These inquiries violate my privacy and have harmed my credit score. 

Experians continued reporting of wrong addresses, unverifiable accounts, and unauthorized inquiries shows a willful disregard for my consumer rights under federal law. I request that the CFPB investigate Experians repeated FCRA violations and take enforcement action to ensure these inaccuracies are removed from my credit file immediately.

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 2025-08-15 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: PA

Complaint narrative:
I am writing to formally file a complaint regarding an inaccurate late payment being reported on my XXXXXXXX XXXX XXXX account. According to the creditor, the payment was due on XX/XX/XXXX, and I submitted payment on XX/XX/XXXX of the same year. This is a delay of only 9 days, and therefore, it should not be classified as a 30-day late payment under the Fair Credit Reporting Act ( FCRA ) or standard credit reporting guidelines. 
Despite having disputed this with the credit reporting agencies, the inaccurate 30-day late mark remains on my credit report. This false information is negatively impacting my credit score and financial standing, and I find it unacceptable that it has not been corrected.

Under the FCRA, furnishers of information are required to report accurate and verifiable information. Reporting a 9-day late payment as " 30 days late '' is materially false and misleading.

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 2025-08-15 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: PA

Complaint narrative:
I am writing to formally file a complaint regarding an inaccurate late payment being reported on my XXXXXXXX XXXX XXXX account. According to the creditor, the payment was due on XX/XX/XXXX, and I submitted payment on XX/XX/XXXX of the same year. This is a delay of only 9 days, and therefore, it should not be classified as a 30-day late payment under the Fair Credit Reporting Act ( FCRA ) or standard credit reporting guidelines. 
Despite having disputed this with the credit reporting agencies, the inaccurate 30-day late mark remains on my credit report. This false information is negatively impacting my credit score and financial standing, and I find it unacceptable that it has not been corrected.

Under the FCRA, furnishers of information are required to report accurate and verifiable information. Reporting a 9-day late payment as " 30 days late '' is materially false and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by XXXX XXXX XXXX XXXX and the failure of Equifax and/or XXXX  to correct the error after a formal dispute. 

The account in question with XXXX XXXX XXXX XXXX was closed on XX/XX/XXXX. Despite being closed, my credit report shows a late payment in XX/XX/XXXX, which is factually and legally impossible because the account was no longer active. 

I disputed this item directly with the credit bureau ( s ), providing documentation to show the account closure date. The bureau ( s ) responded that the furnisher ( XXXX XXXX ) verified the information, but this verification is incorrect. A closed account can not report new delinquencies more than 18 months after closure. 

This false reporting is damaging my credit and preventing the account from aging off my credit report as required under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. 

These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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:
I am submitting this formal complaint against Equifax for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Equifax with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent account from my credit report, as required by law. Specifically, the account in question include XXXXXXXX XXXX XXXXXXXX, which XXXX XXXX confirmed would be removed but remains on my report. This is an identity theft-related and should have been blocked under 1681c-2 of the FCRA. Equifaxs refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. 
For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransunion                                                                                                                                       XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Final Demand for Immediate Deletion of Inaccurate Accounts  FCRA Violations & CFPB Complaints XXXXTo Whom It May Concern,\n\nThis is my final and formal demand for the immediate deletion of all accounts and entries you are reporting inaccurately on my credit file. The continued reporting of false, unverified, and damaging information is a direct and willful violation of the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681 et XXXX have already filed formal complaints with the Consumer Financial Protection Bureau (CFPB) against your agency for these violations. These complaints will be included as part of my record in any legal proceedings against you.\n\nUnder 15 U.S.C.  1681i(a), you are required to conduct a reasonable reinvestigation of disputed items within 30 days. If you cannot provide full, documented proof from the original creditor that the accounts are 100% accurate, you are legally obligated to delete them immediatelynot update, not correct, but delete.\n\nYour obligations under 15 U.S.C.  1681e(b) to ensure maximum possible accuracy are non-negotiable. Continuing to publish false or unverifiable data constitutes willful noncompliance under 15 U.S.C.  1681n and negligent noncompliance under 15 U.S.C.  1681o, both of which carry statutory damages, attorneys fees, and court costs.\n\nThis letter is not a requestit is a demand:\n\t1.\tRemove all accounts you are reporting inaccurately from my credit file immediately.\n\t2.\tProvide me with written confirmation of each deletion.\n\t3.\tCease all future reporting of any unverifiable or inaccurate data.\n\nFailure to comply in full within the FCRAs mandated timelines will result in immediate escalation, including legal action in federal court for every individual violation, in addition to my already pending CFPB complaints.\n\nThis correspondence is being sent via Certified Mail  Return Receipt Requested to establish the date of your receipt and to hold you accountable to the federal deadlines.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 2025-08-15 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:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated :

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 2025-08-15 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:
I'm filing this FTC Identity Theft Affidavit to report 12 fraudulent accounts on my FICO TransUnion, Experian, and Equifax credit reports due to identity theft. These include accounts at XXXXXXXX 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  These accounts caused fraudulent hard inquiries and collections. I demand their removal and that all collection activity stop under my rights in the FCRA and FDCPA.All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( Private Case Number 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 demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( Private Case Number 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 demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: CA

Complaint narrative:
I'm filing this FTC Identity Theft Affidavit to report 12 fraudulent accounts on my FICO TransUnion, Experian, and Equifax credit reports due to identity theft. These include accounts at XXXXXXXX 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  These accounts caused fraudulent hard inquiries and collections. I demand their removal and that all collection activity stop under my rights in the FCRA and FDCPA.All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( Private Case Number 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 demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( Private Case Number 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 demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-08-15 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: VA

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