vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-02 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:
TRANSUNION and EQUIFAX are reporting information that I have explained is not in any way relating to XXXX XXXX. I explained that these accounts are the result of identity theft and have provided an FTC report, yet I am still having trouble getting this fraudulent information off of my report regarding XXXX XXXX XXXX XXXXXXXX XXXX XXXX inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBXXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: GA

Complaint narrative:
I want to make it unequivocally clear that this complaint is not being submitted in error. My credit report contains inaccurate information that does not meet the legal standard of maximum possible accuracy. These inaccuracies are causing ongoing and significant harm to my financial stability and personal well-being. 
This situation is placing an unfair and undue burden on me during an already challenging time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want to make it unequivocally clear that this complaint is not being submitted in error. My credit report contains inaccurate information that does not meet the legal standard of maximum possible accuracy. These inaccuracies are causing ongoing and significant harm to my financial stability and personal well-being. 
This situation is placing an unfair and undue burden on me during an already challenging time.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have documentation showing that on XX/XX/year>, Experian received my written dispute regarding inaccuracies on my credit report, as confirmed by my certified mail receipt. However, their email response falsely stated that my dispute was received on XX/XX/XXXX, which is misleading and inaccurate. On XX/XX/year>, I received another email stating that the account had not been changed and would remain on my credit report. If you would misrepresent the date you received my dispute, there is no way you conducted a proper reinvestigation especially since you failed to provide any details about how the account was verified or what procedure was used. 

I am aware that Experian has previously been sued by the Consumer Financial Protection Bureau ( CFPB ) for failing to take sufficient steps to properly intake, process, and investigate disputes resulting in the inclusion of false or inaccurate information on consumer reports and conducting sham investigations rather than the reasonable investigations required by law. I am now a victim of the same unlawful conduct. 

Despite your claim that the account in question has been verified, they failed to provide any documentation or a description of the procedure used to determine the accuracy and completeness of the disputed information, as required by FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). This provision requires you to provide this information within 15 days of receiving such a request. You did not do so.

Furthermore, under FCRA 611 ( a ) ( 5 ), if disputed information can not be verified, it must be promptly deleted from the consumers credit file. To date, the inaccuracies remain, and you have failed to demonstrate that any legitimate investigation was conducted or that the furnisher of the information was properly contacted.

Your continued reporting of inaccurate and unverifiable information is damaging my creditworthiness and constitutes willful noncompliance with the FCRA.

These facts clearly show that you : Misrepresented the actual date you received my dispute; Failed to complete a reasonable reinvestigation; Failed to provide a Method of Verification when requested ; and Continued to knowingly report inaccurate information.

I will file suit in the appropriate court seeking all available relief under the FCRA, including actual damages, statutory damages of up to {$1000.00} per violation, punitive damages, court costs, and attorneys fees pursuant to 15 U.S.C. 1681n and 1681o.

I have retained copies of my dispute letter, USPS tracking, certified mail receipts, and email communications, which clearly prove the timeline of your noncompliance. This letter serves as your final opportunity to resolve this matter without litigation.

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 2025-07-02 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:
I XXXX XXXX, hereby submit this statement to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and request that such information be blocked. I have enclosed my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim.According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block all information identified by the consumer as resulting from identity theft within four ( 4 ) business days.The following information on my credit report is the result of identity theft and must be immediately blocked:XXXX XXXX XXXX XXXXXXXX Account # XXXX. XXXX XXXX XXXXXXXX Account # XXXX. XXXX Account XXXX XXXXFraudulent addresses to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPursuant to 15 U.S.C. 1681c-2, I request that this fraudulent information be removed immediately from my credit report. This information must be blocked for a minimum period of one year, after which I may request an extension. During the blocking period, these fraudulent accounts must not be re-reported.I have called the agency several times to report these fraudulent accounts appearing on my credit report, and TransUnion has not provided a solution to this issue, which is seriously affecting me as I try to obtain a new home for my children. These accounts have already been removed and not verified by other credit bureaus, so I do not understand why you continue to state that they belong to me.I have requested contracts or documentation from the company related to these accounts using my personal information, and after more than 60 days, I have not received any response. Please remove these accounts fromThank you for your time and understanding.

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 2025-07-02 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: DC

Complaint narrative:
I am reporting multiple unauthorized inquiries on my credit report that continue to impact my credit score. Despite previous assurances that these would be removed, no action has been taken. 
This lack of response is unacceptable and raises concerns of potential identity theft. The ongoing presence of these entries is causing continued emotional and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: GA

Complaint narrative:
I lost my job and I can not afford the over XXXX XXXX interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-02 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: FL

Complaint narrative:
I, XXXX XXXX, hereby submit this statement to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and request that such information be blocked. I have enclosed my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim.According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block all information identified by the consumer as resulting from identity theft within XXXX ( XXXX ) business days.The following information on my credit report is the result of identity theft and must be immediately blocked:1. XXXX  XXXX XXXX Account # XXXX. XXXX  XXXX XXXX Account # XXXX. XXXX Account XXXX XXXXPursuant to 15 U.S.C. 1681c-2, I request that this fraudulent information be removed immediately from my credit report. This information must be blocked for a minimum period of XXXX year, after which I may request an extension. During the blocking period, these fraudulent accounts must not be re-reported.I have called the agency several times to report these fraudulent accounts appearing on my credit report, and Equifax has not provided a solution to this issue, which is seriously affecting me as I try to obtain a new home for my children. These accounts have already been removed and not verified by other credit bureaus, so I do not understand why you continue to state that they belong to me.I have requested contracts or documentation from the company related to these accounts using my personal information, and after more than 60 days, I have not received any response. Please remove these accounts from my record immediately. I am resubmitting the FTC report in the hope that you will make a better decision regarding my situation.Thank you for your time and understanding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: DC

Complaint narrative:
Let me be clear : this complaint is legitimate and requires immediate attention. My credit report contains inaccurate information that fails to meet the legal standard of maximum possible accuracy. These errors are causing serious and ongoing harm to my financial and personal well-being.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Let me be clear : this complaint is legitimate and requires immediate attention. My credit report contains inaccurate information that fails to meet the legal standard of maximum possible accuracy. These errors are causing serious and ongoing harm to my financial and personal well-being.

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 2025-07-02 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: DC

Complaint narrative:
I am reporting multiple unauthorized inquiries on my credit report that continue to impact my credit score. Despite previous assurances that these would be removed, no action has been taken. 
This lack of response is unacceptable and raises concerns of potential identity theft. The ongoing presence of these entries is causing continued emotional and financial harm.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I received alerts on my credit monitoring system and noticed a plethora of inquiries that I do not recognize and have not given my consent to ward. This is a violation of 15 US C 1681B permissible purpose of consumer reports and must be deleted immediately.

XXXX XXXX, Transunion

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 2025-07-02 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: FL

Complaint narrative:
I recently reviewed a copy of my report and noticed a fraudulent account this account doesn't have a creditor 's name only the account number which is XXXX this account is not mine and need to be remove from my report immediately. 
THANK YOU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove this account from my report, its hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief