vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 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: FL

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.

XXXX Account XXXX XXXX XXXX XXXX XXXX has violated my rights.

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 seven 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 explanation
Consumer complaint received 2025-05-10 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: CA

Complaint narrative:
I previously disputed this account, but it still shows inaccurate and incomplete information on my credit report. I am now requesting the description of procedures used to verify this account. You have 15 days from receiving this notice to provide that information. If you can not, the inaccurate accounts Im disputing must be deleted.

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 2025-05-10 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: NJ

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : XXXX XXXX XXXX TransUnion for XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Account # XXXX ) Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against TransUnion for its continued reporting of inaccurate and unverified information concerning a collection account placed by XXXX. XXXX, XXXX, referenced under account number XXXX. 

Despite multiple good-faith efforts to dispute this account and request debt validation from both TransUnion and XXXX. XXXX, XXXX, the incorrect information remains on my credit report without correction or justification. 

Under 15 U.S.C. 1681s-2, furnishers of credit information are legally required to report only accurate data and to correct or delete any information found to be inaccurate or unverifiable upon receiving notice of a dispute. The continued reporting of this information suggests that neither TransUnion nor XXXX. XXXX, XXXX is in compliance with this federal requirement. 

Further, 15 U.S.C. 1681e ( b ) obligates consumer reporting agencies to employ reasonable procedures to ensure the maximum possible accuracy of the data they furnish. XXXX ongoing failure to address this discrepancy demonstrates a clear lack of adherence to this statutory obligation. 

In addition, 15 U.S.C. 1681i requires TransUnion to conduct a reasonable investigation within 30 days of receiving a formal dispute. To date, no meaningful investigation appears to have been conducted, and no verifiable documentation has been provided to substantiate the validity of the alleged debt. Responses from both parties have been vague, non-compliant, and wholly inadequate. 

My Requests : A full and independent investigation by the CFPB into XXXX handling of this account and the procedures used to verify the accuracy of the information being reported. 

A formal correction or removal of the XXXX. XXXX, XXXX account from my credit report if it can not be properly validated with appropriate documentation. 

A complete and detailed disclosure of my XXXX XXXX XXXX ( XXXX ) file as maintained by TransUnion. 

Given the XXXX role in enforcing the Fair Credit Reporting Act ( FCRA ) and protecting consumers from unlawful or negligent credit reporting practices, I respectfully request that your office hold TransUnion accountable for its failure to meet federal legal standards. 

Thank you for your time and attention to this matter. I am willing to provide any supporting documentation you XXXX require to assist in your investigation. 

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

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 seven 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: TX

Complaint narrative:
This letter serves as a follow-up and second formal dispute regarding unauthorized and inaccurate information that remains on my credit report, despite my prior written dispute and documentation. 

As previously stated, I was the victim of a data breach and identity theft, resulting in : Multiple unauthorized hard inquiries Inaccurate late payments on accounts I either never opened or never missed a payment on I submitted documentation with my initial dispute, including identity verification and a written summary of the errors. However, to date, your agency has failed to investigate or correct the errors, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

Due to the inaction and harm caused to my financial standing, I have now submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and will also consider escalating this to the State Attorney Generals Office if necessary. 

I am once again demanding that you : 1. Immediately remove all unauthorized hard inquiries.

2. Correct or delete the inaccurate late payment entries.

3. Provide me with a written response confirming the investigation and resolution.

Please find enclosed : A copy of my ID Proof of address A summary of the disputed items ( attached ) Previous dispute letter ( if available ) You have 30 days under FCRA to investigate and respond. Failure to act will result in further legal action. 

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 2025-05-10 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: NJ

Complaint narrative:
I want to make it absolutely clear that this is a valid and urgent complaint. My credit report contains inaccurate information that does not meet the legally required standard of maximum possible accuracy. These errors are causing significant and ongoing harm to my financial and personal well-being. I am formally requesting an immediate and thorough investigation, and I expect all unverifiable or incorrect information to be corrected or removed without delay. Prompt resolution of this matter is not just necessaryit is imperative.

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 2025-05-10 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 ( 2 ) 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 2025-05-10 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: VA

Complaint narrative:
On XX/XX/year>, I was pressured into signing a timeshare loan agreement with XXXX XXXX XXXX during a high-pressure sales presentation in XXXX XXXX XXXX I was misled about the terms, benefits, and cancellation rights. I was told I had 45 days to cancel, but later found out Nevada law only gives 5 days a fact they never disclosed. I never used the timeshare and requested cancellation multiple times. XXXX refused and is now reporting me delinquent on my credit, damaging my score. 

I disputed the account with Experian, but they said the account was accurate based on XXXX 's response. This ignores that the debt itself is invalid due to misrepresentation. I also sent a formal letter to XXXX asking them to cancel the loan and stop reporting, but they never responded. 

The balance has now increased to over {$23000.00} with penalties. I am asking for an investigation and for the account to be removed from my credit reports due to fraud and deceptive 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 2025-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Perpay, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, Perpay notified me via email that a same-day bank withdrawal had been initiated to my account ending in XXXX, with an expected deposit by XXXX XXXX  ET that same day. The email stated the funds had already left their banking partner ( XXXX XXXX ) and were in transit to my bank ( XXXX XXXX ). As of the next day, no deposit has arrived, and XXXX XXXX confirms there are no pending or incoming transactions. 

I attempted to resolve the issue by contacting Perpay and requesting confirmation of the transaction and an ACH trace number. I have not received a response or any proof that the funds were properly sent. The lack of supportespecially with no phone or live chat optionshas left me unable to access essential funds I need to commute to work and pay basic expenses. 

I am requesting that Perpay provide the ACH trace number or resolve the transfer issue immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Found charges made to my Target Circle Card account without my permission on XXXX XXXX. On top of the charges on my account, I had 19 more emails about charges that were denied as fraudulent from Target card  services. Called them immediately when I saw them and cancelled the card and they sent me a new one within a week. Filled out the fraud report form they sent and returned it to them the next day. I paid my bill in full for the charges that I did make. Leaving only the fraud charges on the bill. Another billing cycle has passed and now they are adding late payment fees and interest onto my account, for the charges I did not make. I am sure my credit score will be affected by this. After calling their fraud department for an update on several occasions, I still do not have any answers from Target card services. They refuse to remove the extra fees until they are done with their investigation, up to 90 days, which could mean several more late charges and interest fees. I have told them I will not pay for something I did not authorize on my card. This is the first card that has expected me to pay for fraudulent charges and hope they will reimburse it later on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Credit Services Inc.
State: NJ

Complaint narrative:
Account XXXX XXXX XXXX  # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: NY

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX, XXXX, A XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX * * * * * * Balance Owed : {$8800.00} XXXX OF XXXX * * * * Balance Owed : {$2600.00} XXXX XXXX * * * * * * Balance Owed : {$8800.00} XXXX OF XXXX * * * * Balance Owed : {$2800.00}

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 explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Incorrect names and employer being reported on my credit report which is affecting my ability to obtain credit. I need them removed immediately.

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Incorrect names and employer being reported on my credit report which is affecting my ability to obtain credit. I need them removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: MA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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:
XXXX XXXX, XXXX, AND XXXXXXXX XXXX ARE ALL REPORTING FALSE FRAUDULENT INFORMATION ON MY CREDIT REPORT AND THE XXXX CREDIT AGENCIES IN EQUIFAX, TRANSUNION, AND EXPERIAN ARE WILLFULLY VIOLATING MY CONSUMER RIGHTS BY ALLOWING THEM TO REPORT INVALID AND FRAUDULENT INFORMATION. 

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 Section 602 A - i have the RIGHT TO PRIVACY.

15 U.S.C 1681 Section 604 A section 2 - a consumer credit reporting agency can not furnish an account WITHOUT MY WRITTEN INSTRUCTIONS. 

15 U.S. Code 1681c2- a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of I have properly certified mailed ' return and receipt mailed to the credit agencies in these attached documents. In accordance with the Fair Credit Reporting Act, this fraudulent account in which i never gave written instructions to anyone to open or report in my name, has violated my rights. 

Negligence and Willful Non-compliance. 
I am prepared to SUE all parties involved. All Actual, Statutory and Punitive damages will be enforced. * Up to but not limited to {$1000.00} usd per month per illegal reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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:
XXXX XXXX, XXXX, AND XXXXXXXX XXXX ARE ALL REPORTING FALSE FRAUDULENT INFORMATION ON MY CREDIT REPORT AND THE XXXX CREDIT AGENCIES IN EQUIFAX, TRANSUNION, AND EXPERIAN ARE WILLFULLY VIOLATING MY CONSUMER RIGHTS BY ALLOWING THEM TO REPORT INVALID AND FRAUDULENT INFORMATION. 

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 Section 602 A - i have the RIGHT TO PRIVACY.

15 U.S.C 1681 Section 604 A section 2 - a consumer credit reporting agency can not furnish an account WITHOUT MY WRITTEN INSTRUCTIONS. 

15 U.S. Code 1681c2- a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of I have properly certified mailed ' return and receipt mailed to the credit agencies in these attached documents. In accordance with the Fair Credit Reporting Act, this fraudulent account in which i never gave written instructions to anyone to open or report in my name, has violated my rights. 

Negligence and Willful Non-compliance. 
I am prepared to SUE all parties involved. All Actual, Statutory and Punitive damages will be enforced. * Up to but not limited to {$1000.00} usd per month per illegal 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 2025-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted, and accounts are fraud and should be removed from 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 2025-05-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
Account AFFIRM INC # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation