vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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 requesting the urgent removal of unauthorized accounts from my credit report. I did not approve or initiate these accounts, and they are affecting my financial standing. Please investigate and delete them under the provisions of 15 U.S. Code 1681g within 15 days. Supporting documentation is included.

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 2025-06-23 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 did not open the accounts currently being reported under my name, nor did I give anyone permission to do so on my behalf. I believe these are fraudulent and must be deleted. I am exercising my rights under 15 U.S. Code 1681g to request their removal within XXXX  days. Documentation is included.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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:
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 XXXX business days of you receiving this complaint. I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent account ( XXXX ) appearing on my consumer FICO TransUnion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX  with a balance of {$20000.00} ; another credit card account opened at XXXX XXXX  on XX/XX/XXXX under the same account number with a balance of {$430.00} XXXX a credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$320.00} ; a credit builder account opened at XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX with a balance of {$170.00} ; a credit card account opened at XXXX XXXX  XXXX XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$4700.00} ; a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$0.00} ; and a collection account opened at XXXX FUNDING on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1000.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX  XXXX and XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-06-23 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-23 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: OR

Complaint narrative:
USC 1681a2, 1681S-2 ( B ), PRIVATE RIGHT OF ACTION MY CREDIT REPORT MUST BE ACCURATE AND COMPLETE - COMPLETENESS AND FULL ACCURANCY AND MUST BE REVIEWED BY AND LAW BIDING HUMAN IN THE FRAUD DEPARTMENT I DIDNT AUTHORIZE MY CREDIT TO BE LOOKED INTO AND CHECKED OUT CEASE AND DESIST OF FALSE REPORTING I HAVE A FEDERAL TRADEMARK ON MY NAME THIS IS CLEAR VIOLATION XX/XX/scrub>XXXX XXXXXXXX PLAINTIFF : XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX, EXPERIAN, TRANSUNION POLICE REPORT XXXX FTC fraud REPORT:XXXX CEASE AND DESIST OF FRAUD REPORTING ATTN : TRANSUNION, EQUIFAX, EXPERIAN title and trade violation> ACCORDANCE TO TITLE 15 USC ( a b 1 2 3 4 ) , USC6803 ( a 1 2 3b ), USC 1681b, USC 1681S-1-2 USC 1681a2, USC 1692g, USC 1681 ( e b ), USC 1681 ( 2x I ), USC 1666b billing error 12 CFR 1026.13, USC 1681 YOUR COMPANY IS IN VIOLATION OF ALL THE ABOVE CONSUMER LAWS SWAL I DIDNT GIVE CONSENT I DIDNT AUTHORIZE MY CREDITTTT TO BE LOOKED INTO OR CHECKED OUT TO HAVE THIS FRAUD PRIVATE UNAUTHORIZED ALLEGED ACCOUNTSS TO BE FURNISHED THEY READ : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DIDNT SIGN ANY ANY DISCLOSURE FORMS OR GAVE PErMISSIBLe PURPOSE TO THESE ALLEGED DEBTS, DELETE THE ALLEGED ABOVE ACCOUNTS IMMEDIATELY THIS HAS CAUSED HARM IF NOT DELETED I WILL MOVE TO LITIGATION IM SERIOUS ABOUT MY LIFE I WILL SUE IN FEDERAL COURT I know your company didnt investigate the above alleged acctS if you did you would know I NEVER GAVE CONSENT .DELETE NOW MY CONSUMER REPORT MUST BE ACCURATE AND COMPLETE SINCEreLY, DELETE IN RECEIPT AFFIANT : XXXX : XXXX. Living WOman far from being dead Beneficiary OF PLAINTIFF XXXX XXXX XXXX not the TRUSTEE UCC1-308 WITHOUT PREJUDICE WITHOUT RECOURSE STOP PLAYING WITH MY PERSON ESTATE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: OR

Complaint narrative:
USC 1681a2, 1681S-2 ( B ), PRIVATE RIGHT OF ACTION MY CREDIT REPORT MUST BE ACCURATE AND COMPLETE - COMPLETENESS AND FULL ACCURANCY AND MUST BE REVIEWED BY AND LAW BIDING HUMAN IN THE FRAUD DEPARTMENT I DIDNT AUTHORIZE MY CREDIT TO BE LOOKED INTO AND CHECKED OUT CEASE AND DESIST OF FALSE REPORTING I HAVE A FEDERAL TRADEMARK ON MY NAME THIS IS CLEAR VIOLATION XX/XX/scrub>XXXX XXXXXXXX PLAINTIFF : XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX, EXPERIAN, TRANSUNION POLICE REPORT XXXX FTC fraud REPORT:XXXX CEASE AND DESIST OF FRAUD REPORTING ATTN : TRANSUNION, EQUIFAX, EXPERIAN title and trade violation> ACCORDANCE TO TITLE 15 USC ( a b 1 2 3 4 ) , USC6803 ( a 1 2 3b ), USC 1681b, USC 1681S-1-2 USC 1681a2, USC 1692g, USC 1681 ( e b ), USC 1681 ( 2x I ), USC 1666b billing error 12 CFR 1026.13, USC 1681 YOUR COMPANY IS IN VIOLATION OF ALL THE ABOVE CONSUMER LAWS SWAL I DIDNT GIVE CONSENT I DIDNT AUTHORIZE MY CREDITTTT TO BE LOOKED INTO OR CHECKED OUT TO HAVE THIS FRAUD PRIVATE UNAUTHORIZED ALLEGED ACCOUNTSS TO BE FURNISHED THEY READ : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DIDNT SIGN ANY ANY DISCLOSURE FORMS OR GAVE PErMISSIBLe PURPOSE TO THESE ALLEGED DEBTS, DELETE THE ALLEGED ABOVE ACCOUNTS IMMEDIATELY THIS HAS CAUSED HARM IF NOT DELETED I WILL MOVE TO LITIGATION IM SERIOUS ABOUT MY LIFE I WILL SUE IN FEDERAL COURT I know your company didnt investigate the above alleged acctS if you did you would know I NEVER GAVE CONSENT .DELETE NOW MY CONSUMER REPORT MUST BE ACCURATE AND COMPLETE SINCEreLY, DELETE IN RECEIPT AFFIANT : XXXX : XXXX. Living WOman far from being dead Beneficiary OF PLAINTIFF XXXX XXXX XXXX not the TRUSTEE UCC1-308 WITHOUT PREJUDICE WITHOUT RECOURSE STOP PLAYING WITH MY PERSON ESTATE

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 2025-06-23 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: EdFinancial Services
State: MI

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report XXXX ( XXXX ) fraudulent account appearing on my XXXX  XXXX  credit report. I do not recognize or authorize this account, and I believe it is the result of identity theft and fraud. 

The fraudulent account is a private student loan opened with ED Financial Services XXXX on XX/XX/XXXX, under the account number XXXX. I discovered this account on my credit report in XX/XX/XXXX, and immediately took action to investigate, as I did not apply for or authorize any such loan. 

This account has caused fraudulent hard inquiries and collections to appear on my credit report, which have negatively impacted my credit standing. Specifically, I have noticed unauthorized inquiries from the following entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not initiate or approve any of these credit applications or accounts. 

The total fraudulent amount reported under this student loan is {$3700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: GA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00}

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-06-23 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-06-24 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision 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. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-23 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: TN

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: NC

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 ( XXXX ) 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 2025-06-24 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: NC

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 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 ( FCBA ) 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 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