vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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:
Follow-Up Complaint Regarding Verification of Fraudulent Accounts AND FINAL WARNING FOR INMEDIATE REMOVAL ACCOUNT To Whom It May Concern, I am writing to formally follow up on my previous complaint regarding the failure of [ Credit Bureau XXXX XXXX XXXX remove fraudulent accounts from my credit report. Despite my submission of a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ), [ Credit Bureau XXXX XXXX has claimed that the disputed accounts have been " verified. '' The following fraudulent accounts remain on my credit report, which I have previously identified as resulting from identity theft : XXXX XXXX XXXX XX/XX/year> According to the Fair Credit Reporting Act ( XXXX  ), specifically : XXXX U.S.C. XXXX ( XXXX ) : Protects my privacy rights by ensuring that my credit information is accurate and not misrepresented. 
XXXX XXXX. XXXX ( XXXX ) : XXXX permissible purposes for accessing my credit report, indicating that only authorized parties can access my information. 
XXXX XXXX. XXXX : Requires credit reporting agencies to conduct a reasonable investigation when information is disputed. 
Additionally, I am invoking XXXX XXXX. XXXX ( a ) ( XXXX ) ( a ) and XXXX XXXX. XXXX ( a ) ( XXXX ) to request the removal and to demand proof of its verification. Section According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Furthermore, under XXXX XXXX. XXXX, credit reporting agencies are mandated to block information identified as resulting from identity theft. The claim of " verification '' does not satisfy these requirements, and it is evident that [ Credit Bureau XXXX ] has not conducted a thorough investigation, nor have they taken the appropriate actions to remove this fraudulent information. 
I also believe that the actions of [ Credit Bureau XXXX ] XXXX constitute a violation of the Truth in Lending Act ( XXXX  ), as they have failed to adhere to the obligations concerning accurate reporting and consumer rights. 
I request that the CFPB investigate this matter further and take necessary actions to ensure that these accounts are properly deleted from my credit report. I also seek guidance on the steps I can take to protect my rights as a consumer in this situation. 

Thank you for your prompt attention to this ongoing issue.

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 2025-03-21 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
To : National Credit XXXX Inc, This is a final legal demand for the immediate and permanent deletion of the following accounts you are illegally and fraudulently reporting under my name : Fraudulent Accounts in Violation : XXXX XXXX APTS/ RPM Amount : {$3600.00} Account Number : XXXX Date Reinserted & Re-aged : XX/XX/year> XXXX XXXX XXXX / XXXX Amount : {$450.00} Account Number : XXXX I have never done business with XXXX XXXX XXXX. I have no signed lease, contract, or agreement with XXXX or the original creditors. This debt is fraudulent, unverifiable, and reinserted illegally after removal. 

I previously sent you a certified letter requesting full validation. Your office signed for it and ignored it. Whether I contact you via certified mail or electronically, you continue to ignore my disputes and fail to comply with federal law, choosing instead to keep this fake debt on my reports. 

Additionally, I have confirmed that you have re-aged the debt by changing the Date Opened or Date of First Delinquency to make the debt appear more recent than it truly is. This is a direct violation of FCRA XXXX ( a ) ( XXXX ), which prohibits furnishing misleading information regarding the age of an account. 

This is intentional, deceptive, and illegal. Combined with your reinsertion of previously deleted accounts without new validation or written notice, this behavior reflects a pattern of willful noncompliance. 

You are violating : FDCPA XXXX ( b ) : Failure to validate debt upon request FCRA XXXX ( a ) ( XXXX ) ( B ) : Illegal reinsertion without written notice or new proof FCRA XXXX ( a ) ( XXXX ) : Knowingly reporting false information FCRA XXXX ( a ) ( XXXX ) : Re-aging accounts to manipulate reporting timelines XXXX XXXX ( a ) ( XXXX ) ( A ) - ( B ) : Engaging in deceptive, unfair, and abusive practices My personal data was also involved in multiple data breaches, including those tied to the credit bureaus. It is highly likely this fraudulent debt stems from identity theft or data misuseyet you have refused to investigate or remove it. 



YOU HAVE XXXX HOURS TO : Permanently delete both XXXX accounts from all credit and rental reports Cease all collection and reporting activity moving forward Send written confirmation of deletion to my email immediately If you fail to comply within XXXX hours, I will proceed with : Civil legal action against National Credit XXXX for statutory damages under the FCRA and FDCPA, plus compensation for emotional distress and legal costs This is your final opportunity to resolve this matter lawfully. Stop ignoring federal law and delete the fraudulent entries immediately. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-03-21 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: CT

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt XXXX they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under XXXX XXXX XXXX XXXX ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I noticed that an item was turned into a charge off. I never received a XXXX, the debt is being reported that it was written off as a profit loss, there for the original creditor should have received a tax write off. I am owed a XXXXXXXX XXXX, I am requesting a XXXXXXXX XXXX from your company which was never received. 

Since Everything on my credit report has to be accurate this cause for grounds for DELETION, the way this debt is being reported for your accounting and company is the same your company should be reporting it to my credit report, if not than this is simply inaccurate, reporting to my credit report something different than whats in your books. This account shows it was closed XX/XX/year> after XXXX days but being reported as if it was still open and reporting up to XXXX  days and that the last payment date was XX/XX/year>. The charge off shows it started XX/XX/year>. None of this make sense and I have the right to report the agency for inaccurate investigation and reporting including no XXXX form for a profit loss charge off

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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I noticed that an item was turned into a charge off. I never received a XXXX, the debt is being reported that it was written off as a profit loss, there for the original creditor should have received a tax write off. I am owed a XXXXXXXX XXXX, I am requesting a XXXXXXXX XXXX from your company which was never received. 

Since Everything on my credit report has to be accurate this cause for grounds for DELETION, the way this debt is being reported for your accounting and company is the same your company should be reporting it to my credit report, if not than this is simply inaccurate, reporting to my credit report something different than whats in your books. This account shows it was closed XX/XX/year> after XXXX days but being reported as if it was still open and reporting up to XXXX  days and that the last payment date was XX/XX/year>. The charge off shows it started XX/XX/year>. None of this make sense and I have the right to report the agency for inaccurate investigation and reporting including no XXXX form for a profit loss charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: PR

Complaint narrative:
I am submitting this complaint to formally dispute the presence of unauthorized and improperly reported information on my credit report. The information in question has been included in my credit file without my express written consent, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXXb, and I am requesting its immediate removal as required under 15 U.S.C. XXXX Legal Violations Identified Violation of 15 U.S.C. XXXXb Reporting Information Without My Consent The FCRA explicitly states that consumer reports may only contain information furnished for permissible purposes and require the consumers express written consent for reporting. I never provided any consent for this account to be included in my credit file. Since my authorization was never obtained, the reporting of this account constitutes an unjustified violation of my rights under the FCRA Violation of 15 U.S.C. XXXX Mandatory Blocking of Unauthorized Information Under 15 U.S.C. XXXX, when a Federal Trade Commission XXXX FTC ) Identity Theft Report is submitted, the credit bureau is required by law to block the disputed information within XXXX ( XXXX ) business days of receiving the report. The account in question was reported without my authorization, making it improper and unauthorized under federal law, and requiring its immediate deletion Unauthorized Information to Be Removed The following information has been reported on my credit file without my consent and must be blocked and permanently removed immediately XXXX XXXXXXXX Pursuant to 15 U.S.C. XXXX, I am exercising my legal right to request that this unauthorized information be immediately blocked from my credit report. The FCRA mandates that this information must remain blocked for at least XXXX year, after which I may request an extension of the block. During this period, this information must not be reported as valid nor reinserted into my credit report Failure to Respond and Harm Caused Despite multiple attempts to resolve this issue directly with the credit bureau, my efforts have been ignored. This unauthorized reporting has significantly impacted my financial standing, preventing me from securing housing and financial opportunities. The accounts in question have already been removed by other credit bureaus, yet they remain on my file with your bureau, raising concerns about FCRA compliance. I have previously requested contracts or documentation proving that I provided consent for this reporting. Over XXXX days have passed, and I have received no response

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 2025-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: WI

Complaint narrative:
On XXXX XXXX XXXX XXXX Instructed his team of Department Government Efficiency ( DOGE ) to gain access to multiple internal systems within the Department of Education this include Financial Aid database that contains of personal information of millions of students enrolled in the federal student aid loan program. My information was among that database that has been compromised. This violated and breach the FERPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-03-21 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 writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. 
Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ).

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA.

Legal Precedent : 1.Parker v. Time Warner Entertainment Co. L.P. , 331 F.3d 13 ( 2d Cir. 2003 ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process.

2.Sarver v. Experian Information Solutions , Inc. , 390 F.3d 969 ( 7th Cir. 2004 ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report.

3.Henson v. Santander Consumer USA , Inc. , 2017 U.S. Dist . LEXIS 191143 ( E.D. Va. 2017 ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: TX

Complaint narrative:
I am writing to you for the second time to dispute the presence of unverified information on my credit report, as stipulated in 15 U.S.C. 1681c-2. The following accounts have been reported in my credit history without the creditors providing legitimate debt validation. I am once again attaching a copy of my FTC Identity Theft Report ( Report Number : XXXX ) as evidence to support my request for the immediate removal of these records. 

Accounts to be removed due to lack of debt validation : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} According to the law, credit bureaus are obligated to verify reported information and remove any account that has not been properly validated. Since no legitimate documentation has been provided to support these accounts, I demand their immediate removal. 

Inaccuracies Found in the Reports and FCRA Violations : Failure to verify debt requirements : I have not received any contract or signed document proving that these accounts belong to me, which constitutes a violation of the FCRA ( 15 U.S.C. 1681s-2 ). 

Inconsistencies between credit bureaus : These accounts show discrepancies in the reports from XXXX, Experian, and XXXX, including differences in last activity dates, balances, and account statuses. This contradictory information fails to meet the obligation to maintain accurate data as required by the FCRA ( 15 U.S.C. 1681e ( b ) ).

Reporting closed accounts as open : Some accounts appear as open in one credit bureau and closed in another, negatively impacting my credit score.

Maintaining accounts in a " charge-off '' status without justification : Creditors have not demonstrated that these accounts are valid, yet they continue to report them in a way that negatively affects my credit. 


I am attaching a copy of my identification, my FTC report, and the credit reports where these accounts appear for your review. 

I expect a prompt response as required by law. If a resolution is not provided within the stipulated time, I will proceed with the appropriate legal actions.

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 2025-03-21 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: NY

Complaint narrative:
I inquired about a XXXX XXXX. WARNED finance supervisor NOT to run my credit more than ONCE as my credit is great and will approve. He SWORE he would not. Name : XXXX. Finance XXXX. I was notified SAME night XX/XX/XXXX my credit report showed XXXX hard inquiries!! I called them early next morning. XXXX told me it was a mistake a new employee hit the button and sent to multiple banks. He also stated we are so sorry this was handled so poorly it was our error. Report this to the credit bureaus and we will agree once they contact us. I am sorry but this WAS done very sloopy and we will help you fix it as I was made aware you INSISTED your credit NOT be run I have ALL of this in a text message as well. It is XXXX. XXXX. XXXX removed XXXX on my report. Transunion advised I must file first with CFPB then send confirmation to them and they will remove

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