vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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: OH

Complaint narrative:
Subject : FORMAL DISPUTE & DEMAND FOR IMMEDIATE REMOVAL OF FRAUDULENT ITEMS UNDER FCRA XXXX To Whom It May Concern, I am formally disputing and demanding the immediate removal of unauthorized items from my credit report, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ). The following accounts and inquiries were added without my authorization and must be removed immediately in compliance with federal law. 

The presence of these inaccurate items has caused irreparable harm, including defamation of character, financial loss, and severe emotional distress. This situation has also negatively impacted my mental well-being and resulted in lost financial opportunities. I demand that this matter be corrected without delay to reflect accurate and lawful reporting. 

Fraudulent Inquiries Subject to Immediate Removal : Unauthorized Hard Inquiries : XXXX. XXXX/XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX  Date of Inquiry : XX/XX/XXXX XXXX. XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX  Date of Inquiry : XX/XX/XXXX Fraudulent Accounts ( Identity Theft ) : XXXX. XXXX  XXXX  Account Number : XXXX XXXX. XXXX XXXX XXXXXXXX Account Number : XXXX Under FCRA XXXX, credit reporting agencies are legally required to block and remove fraudulent inquiries within XXXX ( XXXX ) business days of receiving this dispute. Failure to comply constitutes a direct violation of federal law and subjects your agency to civil liability, statutory damages, and legal enforcement actions. 

Supporting Documentation Enclosed :? Copy of Government-Issued Identification? Additional Supporting Documentation ( if applicable ) Legal Notice & Intent to Pursue Further Action If these fraudulent items are not removed within the legally mandated timeframe, I will have no alternative but to : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney Generals Office. 
Pursue legal action against your company for willful noncompliance with the Fair Credit Reporting Act ( FCRA ). 
Seek statutory damages of up to {$1000.00} per violation under XXXX XXXX. XXXX and XXXX XXXX. XXXX, plus punitive damages and legal fees.

Immediate Action Required Please confirm in writing that all fraudulent items have been removed and provide me with an updated copy of my credit report reflecting these corrections. If you require further information, contact me directly at the details provided above. 
This matter requires urgent attention, and I expect full compliance within the timeframe prescribed by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am requesting that my dispute be reopened due to info used to verify was the info that XXXX says was unverifiable. I spoke with XXXX ( agent ID XXXX ) at Equifax on XXXX he says that the info that was used to verify the bankruptcy was XXXX. He was not forth coming with information at all. I had to asked numerous times to get an exact answer to what was used to verify the info. Per the letter that XXXX sent which I have enclosed shows that the info was unverifiable. XXXX themselves also sent a dispute in regard to the bankruptcy that they never got a response to..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: EQUIFAX, INC.
State: TX

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 XXXX XXXX XXXX. 

The accounts below have violated my rights. 
XXXX XXXX XXXX section XXXX. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) 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. 

XXXX U.S.C XXXX ( A ) ( a ) 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. 

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> * XXXX XXXX XXXX : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: NJ

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-04-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
The debt collection company called me because I owed a telecommunications company {$330.00} that they hadn't been able to collect. I replied that I was willing to pay the debt, and they offered me a two-part payment plan of {$100.00} each to settle the debt. I replied that it was no problem and proceeded to give them my banking information, and on XX/XX/year>, they made the first payment, as reflected in my bank account. A month later, I contacted them to ask why they hadn't collected the second payment, and they replied that they didn't have the information in their system. I think it was the operator 's fault for not making the necessary entries. I asked them what we could do, and now they're telling me I have to pay {$230.00}, and I replied that it was unfair because I didn't break the agreement. They told me they were going to put it in their system so I could pay online, but that didn't happen either. Finally, on XX/XX/XXXX, I contacted them again and we settled an amount. That same day, I paid it, and the account was closed. Despite all this, they sent a collection to my credit report, which is reflected in all three credit bureaus. This seems unfair to me, and that's why I want to report this company for the treatment they gave me. I feel they disrespected the agreements and my rights. That's why I'm turning to you and your good offices so that this company will erase this unfair collection from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-04-08 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: TX

Complaint narrative:
I am disputing the inaccurate and misleading reporting of a charge-off by XXXX XXXX  and XXXX  XXXX on my credit report. The account in question ( Account # XXXX ) ( Account # XXXX ) has been charged off, but the creditor continues to report the charge-off as if its a new derogatory event each month. This is not only misleading but also violates the Fair Credit Reporting Act ( FCRA ), which requires that information furnished to credit reporting agencies be accurate and not misleading. 

A charge-off is a XXXX-time accounting event and should be reported only once with the original date. Repeated monthly reporting of a charge-off distorts the status of the account and unfairly damages my credit profile. 

I have already disputed this with the credit bureaus and/or the creditor and request that the CFPB investigate this matter to ensure compliance with the FCRA and that the inaccurate reporting be deleted and removed from 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 2025-04-08 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: FL

Complaint narrative:
My Equifax credit report is showing fraudulent activity caused by identity theft : - A XXXX  CARD ending in XXXX, opened on XX/XX/XXXX, is listed as a charge-off with a balance of {$5400.00}. 
- Another XXXX  CARD ending in XXXX, opened on XX/XX/XXXX, is also charged off with a balance of {$2400.00}. 

There are also XXXX unauthorized hard inquiries : - XXXX XXXX XX/XX/XXXX - XXXX  CREDIT SER XX/XX/XXXX - XXXX XXXX XX/XX/XXXX These accounts and inquiries were not authorized by me and are listed in my FTC Identity Theft Report ( # XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am requesting the immediate removal of these unauthorized accounts from my credit report. I did not create or approve these accounts, and I do not recognize them. In compliance with XXXX XXXX, I am formally asking that they be removed within XXXX  days. Supporting documents are included for your review. Additionally, the account details are inconsistent, with different information reported to each credit bureau

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 2025-04-09 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:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX  as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2025-04-08 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: Credit Karma, LLC
State: OH

Complaint narrative:
I am writing to report suspicious and potentially fraudulent activity linked to my Credit Karma account that requires immediate attention and escalation. 

While I did apply for potential refinancing of my vehicle to determine its worth, and potentially speak to a rep, I swiftly decided to decline and didn't follow up. However, I have since discovered a hard inquiry on my credit report potentially related to this, which I did not authorize. More alarmingly, on XX/XX/year>, a loan request of {$12000.00} was nearly authorized via XXXX XXXX XXXX XXXX loan I never applied for. 

I promptly reached out to the Credit Bureau to obtain more information and request the blocking of my credit reports. However, I was informed that I needed to follow up with XXXX XXXX XXXX XXXX to notify the credit bureaus and have the matter removed from my account. This is where I discovered XXXX XXXX XXXX XXXX, a loan authorizer. 

A rep at XXXX XXXX XXXX XXXX informed that a representative named " XXXX '', ( believed to be ) a Credit Karma employee, contacted me and claimed we had a phone discussion regarding this matter. I can confirm that no such conversation ever took place, nor did I authorize any individual to act on my behalf in this context. 

I attempted finding a contact information from Credit Karma however no such contact informtion lives online. This situation is deeply concerning and I simple want this inquiry removed from my report. 

Please confirm receipt of this message and advise on the next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: AZ

Complaint narrative:
I am writing to express my deep concern regarding several unauthorized accounts associated with my personal information. I have discovered that accounts have been opened in my name without my knowledge, consent, or authorization. This fraudulent activity is not only a violation of my privacy, but it has also caused significant distress.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards XXXX  the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation