vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX XXXX Re : Request for Removal of Medical reported accounts Reporting of Medical-Related Debt To Whom It May Concern, I am writing to formally dispute the inclusion of the Medical Related debt accounts currently appearing on my credit report. The accounts was used exclusively for medical services and therefore qualifies as medical-related debt under current federal law and regulatory guidance. 
Pursuant to Consumer Financial Protection Bureau ( CFPB ) Regulation V, Senate Bill 5480, and recent policy changes regarding the reporting of medical debt, any account primarily used for medical or hospital expenses must be removed from consumer credit reports. This includes credit card accounts used to pay for medical services, even if not classified directly as medical collections.

As such, I am requesting the immediate deletion of these account from my credit report. The inclusion of these accountsis not only misleading but also non-compliant with federal law. 
Here are the details of the accounts in question : * Creditor : XXXX XXXX * Account Number : XXXX * Date Opened : XX/XX/XXXX * Balance : XXXX * Creditor : XXXX XXXX * Account Number : XXXX * Date Opened : XX/XX/XXXX * Balance : XXXX * XXXX XXXX * Account Number : XXXX * Date Opened ; XX/XX/XXXX * Balance : XXXX * Creditor : XXXX XXXX  * Account Number : XXXX * Date Opened : XX/XX/XXXX * Balance : XXXX  Please conduct a full reinvestigation of these accounts and provide written confirmation of its deletion. 
Under the Fair Credit Reporting Act ( FCRA ), you are required to complete your investigation within 30 days. Failure to do so will compel me to file a complaint with the Consumer Financial Protection Bureau and consider further legal remedies. 
Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX * * * * Balance {$8900.00} XXXX XXXX XXXX * * * * Balance {$0.00} XXXX XXXX XXXX * * * * * * * * * Balance : {$0.00} XXXX  XXXX XXXX * * * * * Balance {$5000.00} XXXX  XXXX  XXXX * * * * * * Balance {$3800.00} XXXX  XXXX XXXX * * * Balance {$7900.00} XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX * * * * * * * * * * Balance {$1600.00} 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 non-monetary relief
Consumer complaint received 2025-04-28 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: NY

Complaint narrative:
I recently contacted the credit bureaus in reference to identity theft. there is still fraudulent and error items reporting on my credit report

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter serves as a formal follow-up to my previous correspondence regarding your agency 's ongoing refusal to comply with the Fair Credit Reporting Act ( FCRA ), specifically in connection with my properly filed identity theft report submitted through IdentityTheft.gov. 

To date, your agency has not provided any satisfactory justification for rejecting this report, nor have you taken the necessary steps to investigate or remove the clearly fraudulent accounts listed below from my credit file. As reiterated in my prior letter, federal lawincluding FCRA Section 605B and Section 617requires you to accept valid identity theft reports from consumers, including those submitted through the Federal Trade Commissions IdentityTheft.gov platform. Nowhere does the law require that such reports originate solely from a law enforcement agency. 

Your continued rejection of my legally sufficient identity theft affidavit is not only unsupported by federal law but also constitutes willful noncompliance with the FCRA. This failure to act in accordance with clearly established legal procedures and CFPB guidance reflects blatant disregard for my rights as a consumer and victim of identity theft. 

Let me be clear : This is your final notice. You are in violation of federal law by continuing to report and verify accounts that were opened fraudulently and which I have already disputed with appropriate documentation. 

If I do not receive confirmation within 15 calendar days that these accounts have been permanently removed and that my credit file has been updated to reflect the resolution of this matter, I will proceed to : 1.File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General.

2.Initiate legal action for your violations of FCRA Section 617 and for any damages sustained as a result of your unlawful reporting and failure to investigate. 


XXXX XXXX XXXX, XXXX XXXX XXXX...., XXXXXXXX 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 2025-04-28 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: OH

Complaint narrative:
I recently reviewed my credit report and discovered an unauthorized hard items, which constitutes a violation of FCRA 604 ( a ) as the items was made without my written consent or any permissible purpose ; since I was a victim of identity theft, I request that you immediately remove these items, and that you notify the entity who made it of my dispute and the reason behind it. 

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 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 non-monetary relief
Consumer complaint received 2025-04-28 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: IL

Complaint narrative:
I co-signed for my brother to get a vehicle loan. He went into default, and they charged it off. It says that {$11000.00} was charged off, and written off on their taxes. They received a tax break, I never received a 1099c. And it shows on my credit report. If they do not remove it from my credit report, I will sue for staturatory damages.According to the FCRA, it is not allowed to take a charge off, while still saying that I owe. This is 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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I co-signed for my brother to get a XXXX loan. He went into default, and they charged it off. It says that {$11000.00} was charged off, and written off on their taxes. They received a tax break, I never received a XXXXc. And it shows on my credit report. If they do not remove it from my credit report, I will sue for staturatory damages.According to the FCRA, it is not allowed to take a charge off, while still saying that I owe. This is fraud!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I co-signed for my brother to get a vehicle loan. He went into default, and they charged it off. It says that {$11000.00} was charged off, and written off on their taxes. They received a tax break, I never received a 1099c. And it shows on my credit report. If they do not remove it from my credit report, I will sue for staturatory damages.According to the FCRA, it is not allowed to take a charge off, while still saying that I owe. This is fraud!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: CA

Complaint narrative:
This letter serves as my third formal dispute and demand for correction regarding inaccurate personal information on my credit report, which remains unresolved despite XXXX previous written communicationson XX/XX/XXXX, and XX/XX/XXXX. My correct and current personal information is : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX Date of Birth : XX/XX/XXXX In each of my prior letters, I included all required documentation under the Fair Credit Reporting Act ( FCRA ), including : A copy of my government-issued ID A utility bill verifying my current address A copy of my Social Security card Despite this, the inaccurate address remains on my report, and I have received no written response or evidence of a reinvestigation, which is a direct violation of your obligations under FCRA 1681i ( a ) ( 1 ). You are legally required to conduct a reasonable reinvestigation and respond within 30 days of receiving a dispute.

Additionally, continued reporting of inaccurate personal information violates the FCRA 's requirement to ensure the maximum possible accuracy of consumer data, as stated in FCRA 1681e ( b ). 

Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, CA, 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 2025-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint against Transunion regarding an inaccurate serious delinquency alert on my credit report. 

I recently reviewed my full credit report. There are no late payments, no collections, no charge-offs, and no derogatory marks on my account. Despite this, Transunion is reporting a serious delinquency flag that negatively impacts how my credit is viewed by lenders. 

I contacted customer service to dispute this error and requested a manual investigation. However, the issue has not been properly addressed or corrected. 

I am requesting that Transunion immediately remove the inaccurate serious delinquency flag from my credit report and confirm this correction in writing. 

This error is damaging my credit reputation and could unfairly impact my ability to secure loans or other credit products. 

Please investigate this matter promptly in compliance with the Fair Credit Reporting Act ( FCRA ) requirements.

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 2025-04-28 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: NY

Complaint narrative:
Summary of Complaint : I am filing this complaint against XXXX XXXX XXXX due to inaccurate late payment reporting caused by a banking error outside of my control, despite my immediate corrective actions. 

Details of the Issue : In XXXX and XX/XX/XXXX, a banking error occurred that prevented my scheduled payments to XXXX XXXX XXXX from processing as intended. Although sufficient funds were available in my account, the error caused the payments to fail without my immediate knowledge. My account was debited on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
All of this funds were debited from my account and put on hold totaling over XXXX XXXX dollars. 

To my knowledge I was supposed to be AHEAD on my payments but this banking error caused my account to spiral as I awaited XXXX to inform that they received the funds in excess which never occurred. My banking institution then contacted me to make me aware that it was an error and they are trying to investigate said error. 

Upon learning of the issue, I acted swiftly to resolve it and ensured that XXXX XXXX XXXX received the outstanding amounts. I made additional payments on XX/XX/XXXX and XX/XX/XXXX despite my checking account being debited over XXXX XXXX dollars that never made its way to XXXX XXXX due to a banking error. Despite these efforts, XXXX XXXX XXXX reported my account as late to the credit reporting agencies. 

This late reporting has negatively impacted my credit profile, even though the circumstances were due to a verified banking issue, and I corrected the situation as soon as it was brought to my attention. Prior to this incident, I maintained a consistent payment history with XXXX XXXX XXXX. 

Steps Taken : I contacted XXXX XXXX XXXX to explain the banking error and provided evidence of the error and subsequent payment. 

I requested that XXXX XXXX XXXX remove the late payment reporting as a courtesy, considering the unique situation and my overall positive payment history. 

Despite my efforts, XXXX XXXX XXXX has not agreed to remove the late 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 explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Summary of Complaint : I am filing this complaint against XXXX XXXX XXXX due to inaccurate late payment reporting caused by a banking error outside of my control, despite my immediate corrective actions. 

Details of the Issue : In XXXX and XX/XX/XXXX, a banking error occurred that prevented my scheduled payments to XXXX XXXX XXXX from processing as intended. Although sufficient funds were available in my account, the error caused the payments to fail without my immediate knowledge. My account was debited on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
All of this funds were debited from my account and put on hold totaling over XXXX XXXX dollars. 

To my knowledge I was supposed to be AHEAD on my payments but this banking error caused my account to spiral as I awaited XXXX to inform that they received the funds in excess which never occurred. My banking institution then contacted me to make me aware that it was an error and they are trying to investigate said error. 

Upon learning of the issue, I acted swiftly to resolve it and ensured that XXXX XXXX XXXX received the outstanding amounts. I made additional payments on XX/XX/XXXX and XX/XX/XXXX despite my checking account being debited over XXXX XXXX dollars that never made its way to XXXX XXXX due to a banking error. Despite these efforts, XXXX XXXX XXXX reported my account as late to the credit reporting agencies. 

This late reporting has negatively impacted my credit profile, even though the circumstances were due to a verified banking issue, and I corrected the situation as soon as it was brought to my attention. Prior to this incident, I maintained a consistent payment history with XXXX XXXX XXXX. 

Steps Taken : I contacted XXXX XXXX XXXX to explain the banking error and provided evidence of the error and subsequent payment. 

I requested that XXXX XXXX XXXX remove the late payment reporting as a courtesy, considering the unique situation and my overall positive payment history. 

Despite my efforts, XXXX XXXX XXXX has not agreed to remove the late 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 explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Summary of Complaint : I am filing this complaint against XXXX XXXX XXXX due to inaccurate late payment reporting caused by a banking error outside of my control, despite my immediate corrective actions. 

Details of the Issue : In XXXX and XX/XX/XXXX, a banking error occurred that prevented my scheduled payments to XXXX XXXX XXXX from processing as intended. Although sufficient funds were available in my account, the error caused the payments to fail without my immediate knowledge. My account was debited on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
All of this funds were debited from my account and put on hold totaling over XXXX XXXX dollars. 

To my knowledge I was supposed to be AHEAD on my payments but this banking error caused my account to spiral as I awaited XXXX to inform that they received the funds in excess which never occurred. My banking institution then contacted me to make me aware that it was an error and they are trying to investigate said error. 

Upon learning of the issue, I acted swiftly to resolve it and ensured that XXXX XXXX XXXX received the outstanding amounts. I made additional payments on XX/XX/XXXX and XX/XX/XXXX despite my checking account being debited over XXXX XXXX dollars that never made its way to XXXX XXXX due to a banking error. Despite these efforts, XXXX XXXX XXXX reported my account as late to the credit reporting agencies. 

This late reporting has negatively impacted my credit profile, even though the circumstances were due to a verified banking issue, and I corrected the situation as soon as it was brought to my attention. Prior to this incident, I maintained a consistent payment history with XXXX XXXX XXXX. 

Steps Taken : I contacted XXXX XXXX XXXX to explain the banking error and provided evidence of the error and subsequent payment. 

I requested that XXXX XXXX XXXX remove the late payment reporting as a courtesy, considering the unique situation and my overall positive payment history. 

Despite my efforts, XXXX XXXX XXXX has not agreed to remove the late reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: MD

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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 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 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 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 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 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 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 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 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/year>

Company response to consumer: Closed with non-monetary relief