vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 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: GA

Complaint narrative:
I demand the removal of all fraudulent hard inquiries from my credit report within four days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided.

Unauthorized Inquiry ( s ) : Date of Inquiry ( s ) : Additionally, I request that you provide the specific reason for reporting these inquiries, in accordance with 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned 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 2025-05-31 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:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am submitting a second formal complaint against Experian for failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically regarding their legal obligation to provide written dispute results following a credit investigation. 

I filed a dispute with Experian, which resulted in a credit report being generated on XX/XX/year>, under Report XXXX XXXX. However, the Experian website continues to show the message : Your dispute results are currently not available online. 

I previously contacted Experian regarding the same issue.They failed to provide any written record of the dispute outcome, and this has now occurred twice, indicating a pattern of noncompliance with FCRA requirements. 

The FCRA mandates that consumers must receive clear, written results of any dispute investigation, including : Whether the account was verified, modified, or deleted The name of the furnishing party A full explanation of the findings Experian has failed to fulfill these obligations and continues to block access to resultsleaving me without confirmation or record of the resolution. 

I request that the CFPB : Investigate Experians repeated failure to provide dispute results in writing Enforce compliance with the XXXX written disclosure requirements Ensure that I receive the full dispute outcome in a document I can save and review This is the second instance of this issue, and I am deeply concerned that Experians XXXX is designed to withhold resolution documents from consumers, which XXXX affect my rights, my credit profile, and future disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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:
On XX/XX/year>, I sent a certified debt validation request to XXXX XXXX XXXX, XXXX, TransUnion and XXXX  pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). This request asked for proper validation and documentation of the alleged debt they are reporting on my credit file. 

As of XX/XX/year> I have received no response from XXXX XXXX XXXX. 

XXXX  and TransUnion responded stating they had indeed validated the debt and it would remain on my credit report. I have had no response from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 2025-05-31 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: GA

Complaint narrative:
I disagree with the account listed : Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  This account still appears on my credit report, even after your initial investigation. I would like this item to be re-investigated immediately. The inaccuracies are highly injurious to my credit score, and are hindering my ability to obtain credit. In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: WA

Complaint narrative:
Dear TransUnion and Consumer Financial Protection Bureau ( CFPB ), in response to your comment and CFPB just closing the case : @ CFPB DID YOU KNOW THAT TRANSUNION HAS A DOUBLE CREDIT BUREAU WITH WRONG SOCIAL SECURITY NUMBER BUT ALL MY OTHER INFORMATION ON THERE CHECK IT OUT LAST FOUR XXXX TELL ME HOW THIS HAPPENS? 

I AM ALSO A XXXX VETERAN THAT SERVED THIS COUNTRY, I WILL GO TO THE MEDIA IF I HAVE TO I AM TRUE PEOPLE WOULD LOVE TO KNOW HOW YOU TREAT OUR VETERANS After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. 
DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX XXXX XXXX ACTIVE DISPUTE XXXX XXXX XXXX XXXX ACTIVE DISPUTE XXXX XXXX XXXX XXXX ACTIVE DISPUTE XXXX XXXX XXXX XXXX UPDATED XXXX ACTIVE DISPUTE XXXX XXXX VERIFIED AS REPORTED XXXX XXXX VERIFIED AS REPORTED XXXX ACTIVE DISPUTE XXXX XXXX XXXX ACTIVE DISPUTE XXXX XXXX XXXX DISPUTE FIRXXXX XXXX XXXX UPDATED XXXX XXXX XXXX TRANSUNION AND CONSUMER FINANCIAL PROTECTION BUREAU XXXX CFPB ), XXXX XXXX XXXX XXXX I AM WRITING TO EXPRESS MY CONCERNS REGARDING THE RECENT CLOSURE OF MY DISPUTE CASE, WHICH WAS ESCALATED TO THE CFPB. WHILE I APPRECIATE THE EFFORTS MADE THUS FAR, I AM DISAPPOINTED THAT MY CASE HAS BEEN CLOSED DESPITE THE ONGOING INACCURACIES ON MY CREDIT REPORT. XXXX XXXX XXXX XXXX TRANSUNION, I REQUEST CLARIFICATION ON HOW YOU VERIFIED THE ACCOUNTS I HAVE IDENTIFIED AS FRAUDULENT, PARTICULARLY GIVEN THE ISSUES SURROUNDING MY SOCIAL SECURITY NUMBER. THIS SITUATION IS CONCERNING AND POSES A SIGNIFICANT RISK TO MY FINANCIAL WELL-BEING. XXXX XXXX XXXX XXXX  TO THE CFPB, I KINDLY ASK THAT YOU CONSIDER REOPENING MY CASE OR PROVIDE GUIDANCE ON THE NEXT STEPS I CAN TAKE TO ADDRESS THESE UNRESOLVED ISSUES. IT IS CRUCIAL THAT THE FRAUDULENT ACCOUNTS BE REMOVED PROMPTLY, AND I EXPECT A THOROUGH INVESTIGATION INTO HOW THIS MATTER HAS BEEN HANDLED. XXXX XXXX XXXX XXXX I URGE BOTH PARTIES TO TAKE IMMEDIATE ACTION TO RECTIFY THESE ISSUES. I LOOK FORWARD TO YOUR PROMPT RESPONSE OUTLINING THE NEXT STEPS. XXXX XXXX XXXX XXXX THANK YOU FOR YOUR ATTENTION TO THIS MATTER. XXXX XXXX TO CFPB : TRANSUNION HAS VIOLATED MY RIGHTS THEY DO NOT IDHERE TO ANY RULES AND LAWS, WHY HAS IT TAKEN OVER 45 DAYS AFTER I SENT THEM A A CERTIFIED LETTER TO COMBACK WITH MISINFORMATION?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear CFPB, I am writing to formally dispute the reporting of a public record account listed on my consumer credit report : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> This account is being reported as if it were a consumer credit obligation. However, XXXX XXXX XXXX XXXX do not originate from XXXX XXXX XXXX and are therefore not subject to traditional credit reporting under the Fair Credit Reporting Act ( FCRA ).

Specifically, under the FCRA ( 15 U.S.C. 1681a ), a " consumer report '' pertains to information related to creditworthiness, credit standing, or credit capacity that arises from a transaction initiated by the consumer. A government-ordered child support obligation does not qualify as a consumer-initiated credit transaction and thus falls outside the intended scope of what should be reported by consumer reporting agencies. 

Furthermore, if such reporting is maintained, it must comply with FCRA Section 1681e ( b ), which requires that all information furnished be accurate and not misleading. Reporting a child support enforcement record as a delinquent consumer account is misleading and prejudicial to my credit profile. 

I respectfully request that this account be removed from my credit file due to its improper classification and reporting. Please conduct a full investigation into this matter. If the reporting entity can not provide documentation proving that this obligation meets the definition of a consumer credit transaction, the account must be deleted from my credit report in accordance with federal law. 

Thank you for your attention to this matter. Please confirm receipt of this letter and keep me informed of the outcome of your investigation. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: AZ

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 2025-05-31 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: AZ

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 2025-05-31 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: NY

Complaint narrative:
b"I am a victim of identity theft. I have filed a FTC identity theft report on XXXX XXXX report # XXXX. I have provided proof of address,social security card and photo ID as required documents to these credit bureaus to update and correct any inaccurate and incorrect information on my report due to fraud.\nThere are inquiries on my reports that I DID NOT authorize. There are addresses on my report that are NOT associated with me.phone number and employer are fraudulent and I do NOT recognize them. XXXX XXXX XXXX XXXX XXXX  do not associate with me. The information on my report is inaccurate and doesn't belong to me.  \nI have placed a fraud alert and freeze on my credit report. I became aware of fraud when I was alerted via email from a credit monitoring company. My social security number was compromised and my personal information hacked  A car loan account was opened using my information at XXXX XXXX XXXX XXXX XXXXThese inquiries are FRAUDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXINCORRECT ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX(-not my address)XXXX XXXX XXXX XXXX XXXX XXXX XXXX(not associated)\nC- Phone numbersXXXX XXXX XXXX XXXX FRAUDXXXX XXXX(NOT MINE)\nD-EMPLOYMENTXXXX XXXX (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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
b"I am a victim of identity theft. I have filed a FTC identity theft report on XXXX XXXX report # XXXX. I have provided proof of address,social security card and photo ID as required documents to these credit bureaus to update and correct any inaccurate and incorrect information on my report due to fraud.\nThere are inquiries on my reports that I DID NOT authorize. There are addresses on my report that are NOT associated with me.phone number and employer are fraudulent and I do NOT recognize them. XXXX XXXX XXXX XXXX XXXX do not associate with me. The information on my report is inaccurate and doesn't belong to me.  \nI have placed a fraud alert and freeze on my credit report. I became aware of fraud when I was alerted via email from a credit monitoring company. My social security number was compromised and my personal information hacked  A car loan account was opened using my information at XXXX XXXX XXXX XXXX XXXXThese inquiries are FRAUDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXINCORRECT ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXXFRAUDXXXX XXXX XXXX XXXX XXXX XXXX XXXX(-not my addressXXXX XXXX XXXX XXXX XXXX XXXX XXXX(not associated)\nC- Phone numbersXXXX XXXX XXXX XXXX  FRAUDXXXX XXXX(NOT MINE)\nD-EMPLOYMENT\n1XXXX XXXX (FRAUD)"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: MN

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: CT

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: NC

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