vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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: TX

Complaint narrative:
I am submitting a formal complaint to report several inquiries on my credit report that I believe are the result of identity theft or unauthorized access to my credit file. I never initiated these credit requests, and I have no relationship 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 non-monetary relief
Consumer complaint received 2025-06-04 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: IL

Complaint narrative:
there are several fraudulent inquires in my equifax credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX OF XXXX. ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C XXXX SECTION XXXX A. STATE I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C XXXX SECTION XXXX A SECTION XXXX : IT ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX OF XXXX. ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C XXXX SECTION XXXX A. STATE I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C XXXX SECTION XXXX A SECTION XXXX : IT ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2025-06-05 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: PA

Complaint narrative:
Federal law, under FCRA Section 611 provides me with the right to dispute inaccurate information on my credit report. It also requires the CRA to correct, update or delete the items which are incomplete or unverifiable. 

On several occasions, ( XXXX, XX/XX/year>, XX/XX/year> ) Equifax did not conduct a reasonable investigation for inaccuracy pertaining to XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I explained to Equifax that this account is unknown to me, that I have never entered into an agreement for credit with the reporting creditor and therefore, the account opening date, credit high balances, and past due amounts are completely inaccurate. The information I disputed was based solely on inaccurate information they reported on my Equifax Consumer File. Equifax, sent me information reminding me of my rights, while violating them. 

Moreover, Equifax informed me that the item I disputed ( XXXX XXXXXXXX XXXX  of XXXX XXXX XXXX XXXX XXXX XXXX updated while in the same notification, stated that the disputed item was verified as accurate. How can it be both? 

On XX/XX/year> and XX/XX/year>, I wrote to Equifax requesting to see the documents they used to verify this unknown account. I exercised my rights under FCRA 609 and asked them to provide me with this information. Equifax ignored my request and maintained inaccurate, unverifiable information on my consumer report, suppressing my credit rating and violating my rights. Equifax has repeatedly ignored several requests to investigate and correct my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: FL

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Complaint Summary for Capital One ( Acct ending in XXXX ) : This complaint concerns inaccurate reporting by Capital One on my credit file under account number ending in XXXX. The following issues were identified : - The account shows late payments leading up to a charge-off, then continues to report for over XXXX months without verification. 
- Possible re-aging of debt through repeated updates that reset delinquency dates, violating 15 U.S.C. XXXXc. 
- No indication of validation after closure, and balance remains static. 

These issues violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. XXXX ( reinvestigation ), XXXX ( b ) ( accuracy ), and XXXX ( reporting periods ). In some cases, 15 U.S.C. XXXXg also applies. 

I am requesting the removal of this inaccurate information and am demanding {$1000.00} in statutory damages under 15 U.S.C. XXXXn for willful noncompliance. This letter is supported by an attached PDF documenting the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: LA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: AL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Asked Capital One why they ran my credit twice they say they have no existence of me in any of their platforms

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: IL

Complaint narrative:
Collection account from XXXX XXXX XXXX appeared on credit reports in XX/XX/year> in the amount of {$260.00}. I have contacted the company requesting information as well as to dispute collection and never received a follow-up or response. I then disputed the collection through the credit bureaus and item keeps coming back as deleted although I have not been informed what the balance is for. When contacting the original creditor, they are unable to locate the account or records stating why a balance is owed and direct me to contact the collection agency who also does not have any information. The final bill I received from the original credit is for {$20.00} which was paid.

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 2025-06-04 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: IL

Complaint narrative:
Collection account from XXXX XXXX XXXX appeared on credit reports in XX/XX/year> in the amount of {$260.00}. I have contacted the company requesting information as well as to dispute collection and never received a follow-up or response. I then disputed the collection through the credit bureaus and item keeps coming back as deleted although I have not been informed what the balance is for. When contacting the original creditor, they are unable to locate the account or records stating why a balance is owed and direct me to contact the collection agency who also does not have any information. The final bill I received from the original credit is for {$20.00} which was paid.

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 2025-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2025-06-05 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX, a debt collection agency located at XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX, has continued collection efforts on a debt that was a result of Identity Fraud/Theft. 

They have also failed to provide any verifying information as to the validity of said debt including but not limited to proof that they are legally authorized to collect this debt in my state, a copy of the original, signed contact, and a complete payment history and explanation of any interest or fees added. 

XXXX XXXX Credit Card debt in the amount of : {$560.00} Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX TransUnion continues to report this debt as accurate even with all of the violations.

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 2025-06-04 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: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX, XX/XX/78, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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.

This fraudulent, inaccurate, and false information consists of accounts and fraudulent addresses and jobs opened without my knowledge. 

The following personal information is FALSE and must be REMOVED immediately : Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXX, FL XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Fraudulent Employers : o XXXX XXXXXXXX XXXX o XXXX XXXX  o XXXXXXXX XXXX XXXX XXXX  The following collection accounts are FRAUDULENT and must be DELETED immediately : XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 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.

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 2025-06-04 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: CA

Complaint narrative:
XXXXI am writing to formally dispute several entries currently listed on my credit report, which I believe to be inaccurate, incomplete, unverifiable, untimely, not in compliance with the Fair Credit Reporting Act (FCRA), the Metro 2 Format, and possibly not associated with any legal obligation or responsibility on my part.XXXXUpon reviewing my credit report, I have identified multiple entries and inquiries that appear to be reported in error or without adequate documentation. I respectfully request that you immediately investigate these disputed items and remove any that cannot be fully validated in accordance with applicable laws and standards.XXXXInquiries Being DisputedXXXX XXXX XXXX XXXX XXXX XXXX XXXXThese inquiries were made without my authorization, and I request that you investigate their legitimacy and remove them if they cannot be substantiated with documented proof of my consent.XXXXCollections Being DisputedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI request that you provide written validation for each item listed above, including a notarized affidavit from a person with direct knowledge of the debt. The affidavit should verify that the debt was lawfully incurred, not disputed due to faulty products or services, not previously charged off, and not claimed as a loss or deduction by the creditor or reported to insurance. If such validation cannot be provided, the item must be removed from my report immediatelyXXXXPersonal Information Discrepancies:\nIncorrect NameXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPlease update or remove this inaccurate personal information from my file, as it does not reflect my current or correct identity and may be contributing to the misreporting of other entries.XXXX remind you that under the Fair Credit Reporting Act, you are required to ensure that all information reported is accurate, complete, and verifiable. Any failure to do so may be seen as negligent or willfully noncompliant behavior, and I reserve my right to pursue legal action if these discrepancies are not corrected within XXXX days of your receipt of this notice.XXXXAdditionally, I request a full summary of the actions taken as a result of this dispute and demand that you cease all further reporting and collection activity on any item that cannot be verified in full compliance with FCRA, CDIA guidelines, and the Metro 2 reporting standardsXXXXThis is a formal notice of consumer dispute and a demand for compliance. Please treat it as such and respond accordingly.'

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 2025-06-04 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: CA

Complaint narrative:
XXXXI am writing to formally dispute several entries currently listed on my credit report, which I believe to be inaccurate, incomplete, unverifiable, untimely, not in compliance with the Fair Credit Reporting Act (FCRA), the Metro 2 Format, and possibly not associated with any legal obligation or responsibility on my part.XXXXUpon reviewing my credit report, I have identified multiple entries and inquiries that appear to be reported in error or without adequate documentation. I respectfully request that you immediately investigate these disputed items and remove any that cannot be fully validated in accordance with applicable laws and standards.XXXXInquiries Being DisputedXXXX XXXX XXXX XXXX XXXX XXXX XXXXThese inquiries were made without my authorization, and I request that you investigate their legitimacy and remove them if they cannot be substantiated with documented proof of my consent.XXXXCollections Being DisputedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI request that you provide written validation for each item listed above, including a notarized affidavit from a person with direct knowledge of the debt. The affidavit should verify that the debt was lawfully incurred, not disputed due to faulty products or services, not previously charged off, and not claimed as a loss or deduction by the creditor or reported to insurance. If such validation cannot be provided, the item must be removed from my report immediatelyXXXXPersonal Information Discrepancies:\nIncorrect NameXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPlease update or remove this inaccurate personal information from my file, as it does not reflect my current or correct identity and may be contributing to the misreporting of other entries.XXXX remind you that under the Fair Credit Reporting Act, you are required to ensure that all information reported is accurate, complete, and verifiable. Any failure to do so may be seen as negligent or willfully noncompliant behavior, and I reserve my right to pursue legal action if these discrepancies are not corrected within XXXX days of your receipt of this notice.XXXXAdditionally, I request a full summary of the actions taken as a result of this dispute and demand that you cease all further reporting and collection activity on any item that cannot be verified in full compliance with FCRA, CDIA guidelines, and the Metro 2 reporting standardsXXXXThis is a formal notice of consumer dispute and a demand for compliance. Please treat it as such and respond accordingly.'

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 2025-06-04 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: EQUIFAX, INC.
State: NH

Complaint narrative:
I am submitting this formal complaint regarding TransUnion and Equifax 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. I disputed several fraudulent accounts and provided TransUnion and Equifax with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, TransUnion and Equifax failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXX XX/XX/XXXX, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs 2012 bulletin underscores TransUnion and Equifax 's failure to uphold consumer protections under the FCRA.

Company response to consumer: Closed with non-monetary relief