vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an XXXX XXXX XXXX to assist in resolving 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 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstCredit, Inc.
State: MD

Complaint narrative:
A notice of cease and desist, as well as certified proof of contract was sent to First Credit , Inc. on XX/XX/XXXX. However, they refuse to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Note : This is a continuation and escalation of my prior CFPB complaint regarding TransUnions failure to remove fraudulent information tied to a XXXX XXXX account and an address that does not belong to me. Please treat this filing as an add-on, not a duplicate. 

TransUnion continues to report a XXXX XXXXXXXX account connected to the fraudulent address XXXXXXXX XXXX  XXXX XXXX, even after I provided a verified FTC Identity Theft Report, my government-issued ID, and a current utility bill confirming my correct address. Despite receiving this verified documentation, TransUnion claimed that my evidence was not sufficient. Both XXXX and Equifax have already deleted the same XXXX XXXX item based on the identical proof, confirming that the account and address are fraudulent. 

I have just mailed all supporting documentsincluding the FTC report, ID, proof of current address, and TransUnions prior responsedirectly to TransUnion by certified mail with signature confirmation. This ensures proof of receipt and compliance with FCRA 1681i ( failure to conduct a reasonable reinvestigation ) and 1681c-2 ( failure to block fraudulent information after identity-theft documentation is provided ). 

I request that the CFPB require TransUnion to perform a full reinvestigation, delete the fraudulent XXXX XXXXXXXX account and XXXXXXXX XXXX XXXXXXXX XXXX address, and confirm the corrections in writing. TransUnion should also disclose the name and contact information of any furnisher they claim verified this information. ( I included a ftc report but the government shut down I can t login to screen shot the new 1

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under XXXX XXXX. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential XXXX measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Checkr, Inc
State: FL

Complaint narrative:
I am submitting this complaint because XXXX has failed to respond within the time frame allowed by law regarding my dispute and verification request. I previously contacted XXXX XXXX Department to challenge inaccurate information being reported on my background report. To date, I have not received any written response or investigation results within the required XXXX days, as mandated under the Fair Credit Reporting Act ( FCRA ). 

Details : XXXX inaction violates multiple provisions of the FCRA, including : XXXX ( XXXX XXXX. XXXX ) Failure to reinvestigate disputed information XXXX ( b ) Failure to assure maximum possible accuracy XXXX ( b ) Failure to update or correct inaccurate data after notice of dispute By continuing to publish and report false or outdated information, XXXX has caused measurable harm to my employment prospects and personal reputation causing XXXX  and XXXX  in my life. Their refusal to comply with FCRA reinvestigation obligations demonstrates negligence and disregard for consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$750.00} XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1000.00} INQUIRIES : XXXX XXXX XX/XX/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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and XXXX  incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account 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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX - XXXX * * * * * * * * XXXX XXXX XXXX XXXX - XXXX * * * * * * * * * * * * * * XXXX XXXX XXXX - XXXX * * * * * * * XXXX XXXX XXXX - XXXX * * * * * * * XXXX XXXX XXXX - XXXX * * * * * * * XXXX XXXX XXXX XXXX- XXXX * * * * * * * * * XXXX FRAUDULENT INQUIRIES : XXXX FINANCIAL XXXX XXXX - XX/XX/XXXX XXXX XXXX LENDER - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX ALLY FINANCIAL - XX/XX/XXXX ALLY FINANCIAL - XX/XX/XXXX AMERICAN XXXX XXXX - XX/XX/XXXX CAPITALONE - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX GLOBAL LENDING SERVICE - XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX BANK XXXX - XX/XX/XXXX XXXX BANK XXXX - XX/XX/XXXX XXXX CARD - XX/XX/XXXX 2025

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing to advise that I am a victim of XXXX  For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under XXXX XXXX. XXXX, there exists XXXX XXXX XXXX XXXXor willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential XXXX  measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN ( last XXXX ) : XXXX Date : XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, XXXX  XXXX Subject : Formal Dispute of Inaccurate and Unverifiable Account Information under FCRA and Metro 2 Guidelines To Whom It May Concern, I am writing to formally dispute several accounts currently reporting on my TransUnion credit file. Upon reviewing my credit report ( XXXX XXXX. XXXX ), I discovered the following accounts contain inaccurate, incomplete, out of date and unverifiable information that fails to meet Metro 2 reporting standards and violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Accounts in XXXX : XXXX. XXXX XXXX XXXX Acct # XXXX XXXX XXXX. XXXX / XXXX XXXX Acct # XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX  XXXX. XXXX XXXX Acct # XXXX XXXX Basis of Dispute The information reported by these furnishers is inaccurate, unverifiable, and not being reported in compliance with Metro 2 format standards. Each furnisher listed above has failed to accurately and consistently report key data fields, such as : Account status and payment history codes, Dates of first delinquency or last activity, Accurate balance, charge-off, or collection status, Proper compliance condition codes required by Metro 2 , Current and accurate ownership/responsibility status.

Under FCRA 602 ( A ), all information on a consumer report must be accurate, fair, and verifiable. Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) requires data furnishers to provide information that is complete and accurate, and 611 ( a ) obligates TransUnion to conduct a reasonable reinvestigation of disputed information.

Because these accounts contain discrepancies, out of date information and unverifiable information, I formally request that you : 1. Conduct a full reinvestigation with each data furnisher ; 2. Require documentation validating the accuracy and ownership of each account ; and 3. If verification can not be substantiated within the 30-day investigation period required by FCRA 611 ( a ) ( 1 ) ( A ), immediately delete these accounts from my credit file.

Requested Action Please either : Correct each account to reflect 100 % verifiable and Metro 2compliant data ; OR Delete each account entirely if accurate verification can not be provided.

I expect written confirmation of the outcome within 30 days, as required by law.

Please mail the results of your reinvestigation to the address listed above. 

Thank you for your prompt 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 non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Issue : FCRA Violation Failure to Provide Verification or Delete Disputed Information ( 15 U.S.C. 1681i ) I am filing this complaint due to Experians clear and ongoing violation of the Fair Credit Reporting Act ( FCRA ). Specifically, Experian has failed to comply with its legal obligation to either provide verification of a disputed debt or delete the disputed information from my credit report. 

I disputed a debt reported by Experian Credit Reporting, incorrectly reporting an alleged debt with the following : XXXX XXXX XXXX ( Account # XXXX ) showing late payments XXXX XXXXXXXX & XXXX XXXX. I sent certified dispute letters ( dtd XX/XX/XXXX - original signed, and a follow-up letter dtd XX/XX/XXXX - original signed ). Confirmation of priority/certified mail signature receipts and dispute letters have been received. These disputes clearly stated the debt was inaccurate because I never incurred it. 

XXXX ) XXXX XXXX XXXX ( Account # showing on credit report : XXXX ) showing late payments XX/XX/XXXX & XX/XX/XXXX. I sent certified dispute letters ( dtd XX/XX/XXXX - original signed, and a follow-up letter dtd XX/XX/XXXX - original signed ). Confirmation of priority/certified mail signature receipts and dispute letters have been received. These disputes clearly stated the debt was inaccurate because I never incurred it. 

XXXX ) XXXX  XXXX ( Account # : XXXX ) showing late payment XX/XX/XXXX. I sent certified dispute letters ( XXXX  XX/XX/XXXX - original signed, and a follow-up letter dtd XX/XX/XXXX - original signed ). Confirmation of priority/certified mail signature receipts and dispute letters have been received. These disputes clearly stated the debt was inaccurate because I never incurred it. 

Despite this, Experian claimed the debt was verified without providing any documentation whatsoever to substantiate this claim. This is a direct violation of 15 U.S.C. 1681i ( f ), which requires Experian to provide me with the results of its investigation, including the source of the information if the dispute is resolved in favor of the furnisher. A follow-up request for verification sent on XX/XX/XXXX was completely ignored. 

Experians refusal to provide verification or delete this unsubstantiated debt is causing me significant harm, including a lowered credit score and potential denial of credit opportunities. Their actions demonstrate a willful disregard for my rights under the 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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies on my credit report as provided by the credit reporting agencies. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute information that is incomplete, inaccurate, or unverifiable, and I demand immediate investigation and correction or deletion of the erroneous information. 
XXXX XXXX, XX/XX/year> I did not authorize this credit inquiry. Unauthorized inquiries constitute violations of FCRA 1681b, and this inquiry must be removed from my credit report immediately. 
These inaccuracies have caused damage to my creditworthiness, potential employment, housing, and financial opportunities. I demand a thorough investigation and immediate correction or removal of these items. I also request that all communications regarding the investigation be documented and provided to me in writing. 
Failure to comply with FCRA obligations may result in legal action. I am prepared to escalate this matter to the Federal Trade Commission ( FTC ), my state attorney general, and pursue civil remedies under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful 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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint against TransUnion for their willful failure to comply with the Fair Credit Reporting Act ( FCRA ) and for their refusal to respond to my valid dispute. 
On XX/XX/year>, I mailed a dispute letter to TransUnion requesting an investigation into multiple inaccuracies on my credit report and corrections to incorrect personal information. To assist in verifying my identity and address, I included copies of my government-issued photo ID, Social Security card , and utility bill showing my current address. Despite providing all necessary documentation, TransUnion has completely failed to acknowledge or respond to my dispute. 
This lack of response constitutes a direct and willful violation of the FCRA, which requires credit reporting agencies to investigate and provide written results within the legally mandated timeframe. TransUnions disregard for federal law and its responsibilities as a credit reporting agency demonstrates a pattern of noncompliance and neglect of consumer rights. Such conduct undermines the accuracy and integrity of consumer credit reporting, and it warrants regulatory enforcement and corrective action. 
A copy of the dispute letter I sent to TransUnion is attached for your review.

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