vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 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: MS

Complaint narrative:
On XX/XX/XXXX, I obtained a copy of my TransUnion credit report and found multiple serious inaccuracies that must be corrected.

Unauthorized Hard Inquiries : My report contains several hard inquiries that I never authorized, including : 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 XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX Under FCRA 604 ( a ) ( 2 ), a credit report may only be accessed with consumer consent or for a permissible purpose. I never provided authorization for these inquiries. They are damaging my credit profile, and I am demanding that they be removed immediately. 

Other Inaccuracies : XXXX XXXX XXXX XXXX ( XXXX XXXX ) is listed as a collection account with a {$0.00} balance, but still reported as active. Reporting a XXXXbalance collection as open is misleading and violates FCRA 607 ( b ).

Several closed accounts ( XXXX XXXX and XXXX ) contain inaccurate remarks such as Closed by Credit Grantor or Consumer disagreed, which must be corrected under FCRA 611.

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 2025-08-20 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:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( 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 2025-08-20 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:
XXXXTo Whom It May ConcernXXXXOver the past couple of years, I have been a victim of identity. In XXXX, my drivers license and Social Security card were either stolen or misplaced. Since that time, I have noticed several unauthorized accounts and activity appearing on my credit report that I did not initiate or consent to. The following accounts were fraudulently opened in my name and do not belong to me:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XXXX  Balance XXXX Credit limit XXXXI have taken the appropriate legal steps to report this identity theft, including filing an official complaint with the Federal Trade Commission (FTC) and submitting a police report. Copies of both are included with this letter for your review.\n\nUnder the Fair Credit Reporting Act (FCRA), Section 605B, I am formally requesting that you block and remove these fraudulent accounts from my credit report. This section of the law requires credit bureaus to block information resulting from identity theft within 4 business days of receiving proper documentation. Please update your records accordingly and provide me with a written confirmation once these accounts have been removed.\n\nI appreciate your prompt attention to this matter and your help in restoring the accuracy of my credit profile.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 four ( 4 ) 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 2025-08-20 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: CA

Complaint narrative:
I am submitting this complaint because Equifax continues to report late payments on the following accounts below, despite my request for verification. 

I formally disputed these entries and requested proof per the FCRA, but no supporting documentation was provided. Equifax failed to provide evidence of the alleged delinquency or proper validation from the original creditor. This lack of verification violates FCRA Section 611 and constitutes willful non-compliance. 

XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB : XXXXXX/XX/XXXX SSN ( last 4 ) : XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX  Re : Formal Dispute of Inaccurate, Fraudulent, and Unverifiable Accounts under the FCRA To Whom It May Concern, I am disputing multiple accounts and personal information entries appearing on my TransUnion credit report. These are inaccurate, incomplete, unauthorized, and/or fraudulent. My information has been compromised in 12 separate data breaches, which increases the likelihood that fraudulent accounts have been created in my name.

Pursuant to 15 U.S.C. 1681e ( b ), TransUnion is obligated to ensure maximum possible accuracy of reported information. The following disputed accounts must be deleted immediately unless verified with legally admissible documentation : ( Insert same 40+ itemized account list you provided XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, etc. ) The following outdated addresses and employer entries must also be removed : 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 Employer : XXXX XXXX XXXX Additional accounts with unverifiable late payments and reporting errors : XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXX Legal Basis for Deletion : 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Requires prompt deletion of unverifiable or inaccurate information.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishing inaccurate consumer information.

15 U.S.C. 1681c : Obsolete or outdated information must be purged.

Given my breach history and the lack of verifiable ownership for many of these accounts, they must be permanently deleted.

Demand for Action : Complete reinvestigation within 30 days as required by law.

Provide written confirmation of all deletions.

Provide the exact method of verification for any information retained.

If TransUnion fails to comply, I will escalate to the CFPB, FTC, and State Attorney General for willful violations of the FCRA.

Sincerely, XXXX XXXX Enclosures : Proof of Identity, Breach Evidence

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 2025-08-20 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: GA

Complaint narrative:
I submitted a dispute regarding inaccurate information on my credit report under FCRA 611 ( 15 U.S.C. 1681i ). I provided supporting documentation proving the information was incorrect, yet the credit bureau failed to conduct a reasonable reinvestigation within the 30-day statutory period. Instead, the disputed information remains on my report without any meaningful changes or explanation. This is a direct violation of my right to a timely and thorough reinvestigation.

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 2025-08-20 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 submitted a dispute regarding inaccurate information on my credit report under FCRA 611 ( 15 U.S.C. 1681i ). I provided supporting documentation proving the information was incorrect, yet the credit bureau failed to conduct a reasonable reinvestigation within the 30-day statutory period. Instead, the disputed information remains on my report without any meaningful changes or explanation. This is a direct violation of my right to a timely and thorough reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: MI

Complaint narrative:
Equifax requested an identity theft report from me regarding a fraud account XXXX XXXX XXXX for {$18000.00} that is currently being reported on my credit report. I provided the information on more than one occasion and yet to receive a resolution. This is a fraud account opened without my permission using my personal information. I went through the proper channels and still no solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST CITIZENS BANCSHARES, INC.
State: NY

Complaint narrative:
I am filing a complaint against CIT Bank regarding a case of identity theft and an unauthorized withdrawal from my High Yield Savings Account, which I opened in XX/XX/XXXX. In early XXXX, my XXXX XXXX card was fraudulently swapped, allowing someone to gain access to my personal financial information. Using my identity, they created a XXXX account without my consent and transferred {$17000.00} from my CIT account. I did not authorize this transaction and was not aware of it until after the fact. 

When I contacted CIT Banks Fraud Department to report the incident, the case was handled unprofessionally. The fraud manager dismissed my concerns without conducting a proper investigation, stating there was nothing they could do because the funds were no longer available on XXXX. During our conversation, the manager laughed at my situation, refused to review my evidence, and closed the case. I also received a suspicious email from CIT Bank referring to the fraud as " not relevant, '' which was heard and reviewed by a XXXX XXXXXXXX XXXX associate who confirmed the message was highly irregular. 

I am requesting the Consumer Financial Protection Bureaus assistance in holding CIT Bank accountable under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. I am seeking a full refund of the {$17000.00} withdrawn without my consent, a reopening of the case, and a formal investigation into the banks handling of this matter. I have documentation available and am prepared to provide further evidence upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: MA

Complaint narrative:
I am writing to formally dispute an account or inquiry listed on my credit report that I believe was obtained or furnished without my written permission, in direct violation of 15 U.S. Code 1681b of the Fair Credit Reporting Act ( FCRA ).

According to this law, a consumer reporting agency may only furnish a consumer report under specific circumstances, including the written instruction of the consumer. I have not provided any written consent to [ XXXX XXXX XXXX ( XXXX ) ] to access or furnish any information regarding my consumer report. 

As such, I am formally requesting the following : The immediate deletion of the disputed account or inquiry from my credit report ; A full investigation into the matter and the source of the information that was reported ; Copies of any documents that allegedly provide my consent or authorization ; A written response and results of your investigation within the 30-day window, as required by the FCRA.

If you can not verify that written consent was provided, the account or inquiry must be deleted from my file immediately to remain in compliance with federal law.

Thank you for your prompt attention to this matter. I expect a written response within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX  # XXXX XX/XX//2018 -- {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: TN

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-08-20 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: TN

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-08-20 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 writing to address an ongoing issue regarding inaccurate and misleading information on my credit report, despite my previous dispute letter submitted to your company. Upon reviewing an updated copy of my credit report, I regret to inform you that certain information remains unresolved and continues to be reported inaccurately. The continued reporting of such information has caused severe negative impacts on both my credit standing and personal reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: FL

Complaint narrative:
I am writing to address an ongoing issue regarding inaccurate and misleading information on my credit report, despite my previous dispute letter submitted to your company. Upon reviewing an updated copy of my credit report, I regret to inform you that certain information remains unresolved and continues to be reported inaccurately. The continued reporting of such information has caused severe negative impacts on both my credit standing and personal reputation.

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 2025-08-20 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:
I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX  : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

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 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute Regarding Equifax Data Breach and Request for Remediation To Whom It May Concern, I am writing to formally dispute and raise concerns regarding the 2017 data breach involving Equifax, in which the sensitive personal and financial data of approximately XXXX XXXX Americans, including mine, was compromised.

As a result of this breach, I believe that my personal informationincluding but not limited to my name, Social Security number, date of birth, and potentially credit card or financial datawas exposed without my consent due to Equifax 's failure to adequately safeguard consumer data.

Since the breach, I have experienced [ briefly describe any consequences if applicablesuch as identity theft, fraudulent accounts, credit score impact, etc. ]. This has resulted in [ describe hardship : time spent resolving issues, emotional distress, financial loss, etc. ]. I respectfully request the following actions be taken : 1. A formal written confirmation detailing whether my personal information was affected by the breach.

2. A record of any unusual or unauthorized activity associated with my credit file since the date of the breach.

3. Immediate removal or correction of any inaccurate, fraudulent, or suspicious information from my credit file.

4. Confirmation that a security freeze, fraud alert, or credit lock has been placed on my file at my request ( if applicable ).

5. Access to free credit monitoring and identity theft protection services beyond what was previously offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: VA

Complaint narrative:
I have tried several times to dispute by online and by phone this incorrect late payment on my clised XXXX XXXX XXXXXXXX has confirmed that the late payment was incorrect and submitted goodwill information to experian to get it changed. Experian continues to close my dispute with the status updated, without any changes to my report. Please change this information as it was a near XXXX pt drop from the other beareau scores. XXXX XXXX XXXX have it right.

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 2025-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation