vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-16 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:
To Whom It May Concern, I am writing to formally dispute the accuracy of an account that appears on my credit report. The account in question is being reported inaccurately and I am requesting its deletion in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

This is not a statement claiming the account is not mine. I am requesting that you conduct a proper reinvestigation under FCRA 611 and provide the method of verification per FCRA 1681i. Please include : The steps taken during your investigation, The name, address, and phone number of the furnisher you contacted, and The documentation used to verify the accuracy and completeness of this information. 

Additionally, as outlined under 15 U.S.C. 1681i ( 7 ), I am entitled to receive a detailed description of your reinvestigation procedures within 15 days of this request. If the reporting furnisher is unable to validate the accuracy of this account, it must be removed from my credit file immediately. 

Please update your records and send me written confirmation of the results of your reinvestigation. 

Thank you for your attention to this matter. 

Sincerely, XXXX 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 2025-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: MA

Complaint narrative:
I am formally disputing the alleged debt reported by Cavalry Portfolio Services, originally from XXXX, for the amount of {$6000.00}. I have no contractual agreement, relationship, or verified account with this entity, and I have never acknowledged or authorized any obligation toward Cavalry or XXXX in connection with this debt. 

This account was placed on my credit report without my consent or knowledge, and without providing any proper validation in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

This type of unverified reporting and collection attempt is misleading, unfair, and constitutes harassment that is negatively impacting my mental and physical health. 

Under FDCPA 1692g ( b ), Cavalry Portfolio Services must validate this debt within 30 days. I demand : Legal proof of authority to collect this alleged debt ( 15 U.S.C. 1692e and 1692f ). 

Legal basis for collection and proof of assignment from XXXX. 

Authorization to collect in my state ( Massachusetts ). 

A signed original contract bearing my signature. 

A full accounting history from day XXXX, including itemized charges and payments. 

If you can not produce this evidence, continued collection efforts and reporting will be considered willful noncompliance with federal law. 

Additionally, per estoppel by silence ( XXXXXXXX XXXX XXXXXXXX ), failure to produce documentation constitutes an admission that no such debt exists. The CFPB and relevant enforcement bodies should be aware this conduct may also rise to the level of mail fraud and consumer abuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: MD

Complaint narrative:
Im reaching out because my credit report contains incorrect personal information, which appears to have led to a fraudulent account being linked to me. Ive been a victim of identity theft, and this account is not mine Ive never had any involvement with it. I followed the proper steps and submitted an FTC identity theft report as instructed by Experian, yet the item remains. Despite doing everything by the book, this false and damaging entry continues to affect my credit and peace of mind.

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 2025-04-17 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: AL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX ( XXXX ) for reporting late payments to the credit bureaus that I believe are in violation of the Truth in Lending Act ( TILA ), Regulation Z ( 12 CFR 1026.5 ( b ) ( 2 ) ( ii ) ). 

XXXX has reported late payments on my credit report for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I formally dispute the accuracy and legality of these derogatory marks based on the following : Billing Statement Delivery Requirement Violated : TILA and Regulation Z require that a creditor must send or deliver a periodic billing statement at least 21 days before the payment due date to impose a late fee or report a late payment to credit bureaus. 
I have never received confirmation or proof from XXXX that the required billing statements for the above-mentioned months were mailed or delivered in accordance with this 21-day rule. 

Damaging and Potentially Inaccurate Reporting : The continued reporting of these late payments has negatively impacted my credit score and financial standing. If XXXX can not prove they complied with federal disclosure timing, these late payments should be considered inaccurate and unlawful, and must be removed from my credit report under the Fair Credit Reporting Act ( FCRA )

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 2025-04-17 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: AL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX ( XXXX ) for reporting late payments to the credit bureaus that I believe are in violation of the Truth in Lending Act ( TILA ), Regulation Z ( 12 CFR 1026.5 ( b ) ( 2 ) ( ii ) ). 

XXXX has reported late payments on my credit report for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I formally dispute the accuracy and legality of these derogatory marks based on the following : Billing Statement Delivery Requirement Violated : TILA and Regulation Z require that a creditor must send or deliver a periodic billing statement at least 21 days before the payment due date to impose a late fee or report a late payment to credit bureaus. 
I have never received confirmation or proof from XXXX that the required billing statements for the above-mentioned months were mailed or delivered in accordance with this 21-day rule. 

Damaging and Potentially Inaccurate Reporting : The continued reporting of these late payments has negatively impacted my credit score and financial standing. If XXXX can not prove they complied with federal disclosure timing, these late payments should be considered inaccurate and unlawful, and must be removed from my credit report under the Fair Credit Reporting Act ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: AL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX ( XXXX ) for reporting late payments to the credit bureaus that I believe are in violation of the Truth in Lending Act ( TILA ), Regulation Z ( 12 CFR 1026.5 ( b ) ( 2 ) ( ii ) ). 

XXXX has reported late payments on my credit report for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I formally dispute the accuracy and legality of these derogatory marks based on the following : Billing Statement Delivery Requirement Violated : TILA and Regulation Z require that a creditor must send or deliver a periodic billing statement at least 21 days before the payment due date to impose a late fee or report a late payment to credit bureaus. 
I have never received confirmation or proof from XXXX that the required billing statements for the above-mentioned months were mailed or delivered in accordance with this 21-day rule. 

Damaging and Potentially Inaccurate Reporting : The continued reporting of these late payments has negatively impacted my credit score and financial standing. If XXXX can not prove they complied with federal disclosure timing, these late payments should be considered inaccurate and unlawful, and must be removed from my credit report under the Fair Credit Reporting Act ( FCRA )

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 2025-04-16 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: TX

Complaint narrative:
Im filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, TransUnion consistently responds within XXXX hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with the federal law and provides consumers with the necessary proof of investigation.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-16 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: DC

Complaint narrative:
I recently review a copy of my credit report and notice i had fraudulent accounts on my report. Please remove this accounts from my report, they are hurting my abiltiy to obtain credit. 
TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-17 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: FL

Complaint narrative:
Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is 1617 Red Cedar XXXX XXXX XXXX XXXX XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

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 2025-04-17 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: FL

Complaint narrative:
Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is 1617 Red Cedar XXXX XXXX XXXX XXXX XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

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 2025-04-16 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: GA

Complaint narrative:
I am reporting a matter related to incorrect details on my credit file. Equifax confirmed that a system error caused my personal information to be exposed and subsequently misused. I have faced denials as a result, and I am asking for this issue to be addressed and resolved within XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am once again forced to file a formal complaint against Experian due to their ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ). This time, it concerns only the XXXXXXXX XXXX  account ( ending in XXXX XXXX XXXX XXXX XXXX XXXX ), which has been reinserted into my credit file multiple times despite being previously deleted as unverifiable. This account was removed from my official Experian report in XX/XX/year> and was also not appearing on IdentityIQ at that time. However, in XX/XX/year>, it unexpectedly reappeared under the Experian section on my XXXX reporteven though it was still deleted from Experian 's internal system. By early XX/XX/year>, the account was fully reinserted into both Experians internal report and third-party platforms. At no point was I provided the mandatory XXXX reinsertion notice under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), nor was I given any verification, supporting documentation, or explanationdespite my multiple prior disputes. This cycle of deletion and reinsertion without compliance demonstrates a clear and repeated violation of 15 U.S.C. 1681i ( a ) ( 1 ), 1681i ( a ) ( 6 ) ( B ) ( iii ), and 1681e ( b ) regarding reinvestigation duties and maximum possible accuracy. Equifax and TransUnion have permanently removed this account. Experian alone continues to report itcausing confusion, stress, and serious damage to my creditworthiness. I have already filed a complaint with the FTC and submitted supporting identity theft documentation. Im demanding the permanent deletion of this XXXXXXXX XXXX account, full enforcement under federal law, and regulatory penalties for Experians willful noncompliance under 15 U.S.C. 1681n. This is not a mistakeits persistent abuse of consumer reporting practices.

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 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-16 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: TX

Complaint narrative:
I am writing to urgently request the removal of fraudulent accounts on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

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