vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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: TX

Complaint narrative:
Formal Complaint Regarding TransUnion Reporting XXXX XXXX Services To Whom It May Concern, This complaint is filed against TransUnion for continuing to report inaccurate and incomplete information regarding two tradelines from XXXX XXXX XXXX ( Account # XXXX * * * * and Account # XXXX * * * * ), in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

SUMMARY OF ISSUES : On XX/XX/year>, I submitted a dispute regarding both XXXX tradelines through TransUnion, challenging the reported balances and charge-off status due to insurance/GAP coverage following a total loss. Despite the expiration of the 30-day reinvestigation window under FCRA 611 ( a ) ( 1 ) ( A ), no valid results or corrections were provided. 

Instead, on XX/XX/year>, I received alerts that : - Both XXXX tradelines were reported as closed - My credit score dropped XXXX points - The accounts still show as unpaid charge-offs with no record of insurance payment or adjustment To date, TransUnions online portal only shows a completed dispute for an address deletion ( submitted earlier ), with no reference whatsoever to my tradeline dispute filed on XX/XX/year>. This creates the appearance that : - My dispute was ignored or unprocessed, or - TransUnion failed to notify me of the outcome as required under FCRA 611 ( a ) ( 6 ). 

Additional Supporting Efforts : Prior to my XX/XX/year> dispute to TransUnion, I submitted multiple dispute letters directly to XXXX XXXX XXXX regarding the same tradelines. These included a formal notice dated XX/XX/year>, followed by a final notice letter on XX/XX/year>. These communications outlined the basis for my dispute, including the total loss incident and related insurance coverage. XXXX has failed to provide any documentation validating the balance or explaining the discrepancy, and this inaction makes TransUnions continued reporting even more concerning.

WHY THIS IS UNLAWFUL & INACCURATE : 1. The tradelines remain marked unpaid charge-off despite evidence of GAP/insurance coverage submitted.

2. The reported balance is likely inflated or invalid.

3. No documentation was provided to support continued reporting.

4. Dispute history reflects only an unrelated address update, not the tradeline investigation.

5. TransUnion is failing to follow reasonable procedures to ensure maximum possible accuracy per FCRA 607 ( b ).

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 2025-08-06 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned 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 explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XX/XX/year>, I contacted TransUnion to correct inaccuracies on my credit report. During that call, I was coerced to provide sensitive personal information over the phone to representatives who were clearly located outside the United States. I respectfully declined to share such information due to security concerns. The representative did not offer any secure or alternative method to verify my identity or process the correction. Since that time, I have been locked out of my TransUnion account, and their online/chat support has failed to resolve the issue.

Despite submitting corrective documentation to TransUnion, my credit score with them dropped, while scores with the other major credit bureaus improved significantly. This suggests either mishandling or retaliation in response to my refusal to share personal data over an insecure channel. 

I have repeatedly tried to access my account and correct my information. Every time, I was unable to access my account or forced into a call, wherein I would be demanded to provide my private information to people outside of the XXXX. As a result of the inability to access my account or get adequate help not requiring me to give private information to people outside the XXXX over the phone, I utilized a paid third-party financial service to submit information on my behalf, in addition to the mailings I dispatched. 

In XX/XX/year>, I attempted to place a credit freeze after noticing my TransUnion score had declined without cause. However, I was again denied access to my account and was not given any reliable way to complete the freeze. Their website does not allow me to log in, and their customer support again insisted on a phone call, offering no secure or compliant way to proceed. 

TransUnion is effectively denying me access to my own consumer file, failing to freeze my credit as required by law, and mishandling corrective submissionsresulting in measurable credit harm. I believe these actions are in violation of the Fair Credit Reporting Act ( FCRA ). 

I am requesting immediate action to : * Restore access to my account * Enforce a credit freeze * Provide full file disclosure * Investigate improper score changes * Correct any outstanding inaccuracies

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 2025-08-06 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: NC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed the items. 
( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-08-06 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: CA

Complaint narrative:
I am filing this complaint against Transunion for their continued reporting of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is not only a gross inaccuracy, but it also violates multiple provisions under the Fair Credit Reporting Act ( FCRA ), including 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] and 607 ( b ) [ 15 U.S.C. 1681e ( b ) ].

I previously submitted a formal dispute regarding this inaccurate entry, yet Transunion failed to conduct a meaningful or lawful reinvestigation. They did not contact the original source of the bankruptcy claim nor provide any documentation verifying its accuracy. Their handling of the dispute shows noncompliance with the FCRAs requirement to conduct a reasonable reinvestigation. 
Transunion appears to rely solely on automated systems such as e-OSCAR rather than performing an actual manual review of disputed items or original records. This kind of automated verification process is insufficient under the FCRA, and can not meet the standard of a 'reasonable ' reinvestigation.

Further, under FCRA 607 ( b ), TrasnUnion has a legal obligation to ensure the maximum possible accuracy of the information they report. Maintaining a false bankruptcy on my record, with no documentation or proper validation, is a clear and damaging violation of that duty. This error has harmed my credit reputation, caused emotional distress, and denied me access to financial opportunities. 
I am also aware that in XX/XX/year>, the Consumer Financial Protection Bureau ( CFPB ) fined Transunion {$15.00} XXXX for failing to properly handle credit disputes and reinvestigations. My experience is consistent with those systemic issues and shows these practices are still ongoing. 
I am requesting the CFPB to require Transunion to immediately delete the inaccurate bankruptcy from my credit report, issue a full explanation of their investigation process, and hold them accountable for violating my rights as a consumer. If necessary, I am prepared to pursue compensation for damages under FCRA 1681n and 1681o.

I have attached my formal dispute letter dated XX/XX/year>, which further outlines my concerns and demands. I respectfully ask the CFPB to investigate this matter and enforce compliance with 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 explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.

Complaint narrative:
I formally disputed a debt with Midland Credit Management on XX/XX/year>, and requested full validation including a bill of sale and itemized breakdown. Under the FDCPA, they are required to pause all collection efforts until validation is provided. However, they sent a XXXX Notice on XX/XX/year>, threatening to send the account to an attorney, which is improper while a dispute is pending. 

Furthermore, they sent this notice to my mothers address in Tennessee, despite my notifying them that I currently reside in XXXX and have requested email or portal communication. This could be considered third-party disclosure and a privacy violation under the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-06 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: NE

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-08-06 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: NE

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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 a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX I XX/XX/year>XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>

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 2025-08-06 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. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
My identity was stolen and the person that stole my identity got an apartment and other items in my information. And the apartment is on my credit and has reported to a debt collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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:
XX/XX/year> Subject : Formal Dispute of Inaccurate Reporting XXXX XXXX  Account To Whom It May Concern, This is my second letter to dispute inaccurate and outdated information appearing on my credit report from XXXX XXXX ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account is currently being reported as charged off with a balance of {$860.00}, which is incorrect.

Here 's what's wrong : - The balance is inaccurate or outdated.

- The account status and remarks may not reflect the current or correct situation. 
I request verification of the reporting under my rights per the Fair Credit Reporting Act ( FCRA ) Section 611.

Please conduct a reinvestigation and : 1. Verify the accuracy of the information with XXXX XXXX. 
2. Remove incorrect data.

3. Remove account from credit report 4. Provide me with a written statement of the results.

Attached are : - A copy of my ID - A copy of the credit report with the item highlighted I expect resolution within 30 days of receipt of this letter. If you find the data can not be verified, you are required to delete it from my report.

Sincerely

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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.

Complaint narrative:
As a federally protected consumer, I have a right to privacy. A huge part of the FCRA is the privacy of consumer data. My information MUST be dealt with confidentiality and with respect to my right to privacy. This consumer reporting agency is not a bureau. In fact, they are a data broker that was not given any permissible purpose by me to report these items attached. They are defaming my character with this erroneous reporting. Delete all unauthorized items listed in my attached letters and update any late payment history due to the fact that it is misleading and deceptive because I can not be late on my own extension of credit. I am the original creditor. There is no verifiable proof of any late payment! I also attached an invoice for monetary relief since this data broker violated my rights! THESE ITEMS MUST BE DELETED WITHIN XXXX  DAYS ACCORDING TO 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 explanation
Consumer complaint received 2025-08-06 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: NE

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: WA

Complaint narrative:
I am filing this complaint against TransUnion for failing to remove a fraudulent loan account from my credit report, despite clear and verified documentation. 

A company called XXXX XXXX  ( XXXX XXXX ) fraudulently opened a loan account in my name. I submitted a fraud claim to XXXX XXXX, and after reviewing my documentation, they confirmed on XX/XX/year>, that I am not responsible for this debt. They also stated they would report this resolution to the credit bureaus, including TransUnion. 

However, in TransUnion 's dispute response dated XX/XX/year>, the account was marked as " Verified as Accurate '' and remains listed as an active delinquent loan on my credit file. This is factually incorrect and harmful to my credit profile. I have also confirmed with the bank that the loan is not under my name. 

TransUnion has clearly failed to properly investigate this dispute in accordance with the Fair Credit Reporting Act ( FCRA ). I am requesting immediate removal of this fraudulent loan from my credit file, as I have no association with it. 

Supporting documentation has already been provided to TransUnion and can be attached here as well.

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