vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: GA

Complaint narrative:
I am filing this complaint because TransUnion is reporting inaccurate and unverifiable information on my credit report. On [ insert date you reviewed/disputed ], I identified several accounts that I believe are either outdated, not mine, or can not be verified under the Fair Credit Reporting Act ( FCRA ). 

Please delete the following 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 Incorrect Personal I submitted a formal dispute to TransUnion requesting that these accounts be fully investigated and removed if not verified with proper documentation. However, I did not receive a meaningful investigation or verification, and the inaccurate information remains on my report. 

I am requesting the CFPB 's assistance to ensure TransUnion complies with federal law, specifically sections 1681i ( reinvestigation of disputed information ) and 1681b ( permissible purpose ). My goal is to have any unverifiable, inaccurate, or unauthorized accounts permanently deleted from my file.

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 2025-08-05 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: CA

Complaint narrative:
This letter serves as my formal notice of dispute concerning certain account listed on my credit report that I believe was accessed or reported without a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b. Under the FCRA, a consumer reporting agency may furnish a consumer report only under specific, lawful purposes listed in 1681b ( a ). Any entity that accessed my credit file without my authorization or without a valid legal reason has done so in violation of this federal law.

Upon reviewing my credit reports, I found entries that I did not authorize, nor did I initiate any transaction that would justify such access. These unauthorized entries violate 1681b ( f ), which prohibits users from obtaining a consumer report without a permissible purpose. 

Legal Precedent : In the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. ), the court ruled in favor of the plaintiff, stating that a credit report pulled without a valid permissible purpose under FCRA constitutes a willful violation, which is actionable. 

Furthermore, multiple credit bureaus were defendants in recent lawsuits filed in XXXX for re-reporting or permitting access to consumer reports after the accounts were removed, which is also considered a willful disregard of consumer rights. 

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 2025-08-05 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: PA

Complaint narrative:
This is unfair, illegal, fraudulent, and inequitable to me as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
You are hereby given 10 days from the date of this letter to : 1. Delete the LVNV Funding account from all credit reporting agencies ( XXXX XXXX XXXX  ) 2. Provide proper validation of the alleged debt, including a wet-ink signature and chain of assignment If you fail to comply, I will initiate legal action in small claims or federal court and seek : {$1000.00} in statutory damages under FDCPA Actual damages and legal fees Punitive damages under FCRA for willful violations I am prepared to file complaints with the CFPB, FTC, and State Attorney General. This letter serves as formal notice of intent to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
On XX/XX/XXXX, Ally Financial unlawfully repossessed my XXXX XXXX XXXX in XXXX XXXX XXXXXXXX. The loan in question was charged off in XX/XX/XXXX, and Ally did not send any default notices or comply with Maryland Commercial Law or New York UCC statutes prior to repossession. 

Ally also breached the arbitration clause in our agreement and disclosed my personal information to third-party repossession agents without my consent, violating the Gramm-Leach-Bliley Act and Maryland privacy protections. 

Despite submitting a formal complaint on XX/XX/XXXX, and receiving acknowledgment on XX/XX/XXXX, Ally has not responded further.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-08-05 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: FL

Complaint narrative:
I am writing to dispute an account that is being reported on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) pursuant to 15 U.S.C. 1681c-2. Therefore, I respectfully request that this information be blocked or deleted immediately.

I am enclosing a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC REPORT NUMBER : XXXX, as supporting evidence for my claim. 

According to 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit-reporting agencies are legally required to block any information identified by the consumer as resulting from such identity theft within four ( 4 ) business days. 

The following information in my credit file is the result of a clear FCRA violation and must be blocked immediately : XXXX XXXX XXXX / Account Number : XXXX Additionally, 15 U.S.C. 1681b states that a credit-reporting agency may not include information in a consumers file unless there is a valid authorization or permissible purpose. I never authorized the opening or reporting of this account, and there is no signed contract or consent from me that justifies its inclusion in my credit report. 

Therefore, the continued presence of this account constitutes not only the result of identity theft but also the unauthorized use and disclosure of my personal information, in direct violation of the FCRAs requirements. 

In accordance with 15 U.S.C. 1681c-2 and 1681b, I respectfully request that this account be blocked and deleted immediately from my credit report and that it no longer be reported in any manner. 

I have contacted Experian on multiple occasions to report this account, but I have yet to receive a clear or definitive resolution to this matter. This situation is causing me serious harm, as I am in the process of purchasing a new home for my children and seeking financial tools to support my economic growth. This negative account is blocking my opportunities and causing both personal and financial damage. 

Furthermore, this account has already been deleted by other credit bureaus, as they were unable to verify it under the procedures required by law. I do not understand why this agency continues to report this account on my credit file. 

I have also requested copies of any contracts related to this account from the company reporting it, and after more than 60 days, I have not received a single response. This further supports the fact that there is no verifiable evidence or legal basis for continuing to report this information. 

I respectfully request that you assist me by removing this account 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 2025-08-05 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
To Whom It May Concern, This is a formal complaint against Experian for ongoing and deliberate violations of the Fair Credit Reporting Act ( FCRA ).

Despite my repeated disputes and the submission of a valid FTC Identity Theft Report, Experian has failed to remove two fraudulent accounts from my credit file : XXXX XXXX ( Collection Account ) Account Number : XXXX XXXX ( Secured Card ) Account Number : XXXX My personal information was compromised in two separate data breaches. THIS HAS BEEN GOING ON AND DISPUTED FOR MONTHS. I submitted documentation from the FTC as well as prior CFPB complaint filings showing this, including clear proof that these accounts were opened fraudulently. XXXX XXXX XXXX have both removed these accounts after reviewing the exact same evidence. Experian has not. 
Experian has also failed to provide any legally required verification or proof that these debts are valid or were incurred by me. I have never received contracts, statements, or signaturesnothing. This is a direct violation of : 15 U.S. Code 1681i Failure to properly investigate disputed information 15 U.S. Code 1681e ( b ) Failure to ensure accuracy of credit reporting Furthermore, Experian continues to report an inaccurate and unrelated address on my credit file : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX I do not live there. I have never lived there. This address is not connected to me in any way, and Experian has refused to remove it despite multiple requests and supporting documentation. 
I am demanding immediate action : Permanent deletion of the XXXX XXXX and XXXX accounts Immediate removal of the incorrect address : XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXXExperians failure to act is causing ongoing damage to my credit, disrupting my ability to obtain credit, housing, and other financial opportunities. This is not just negligentit is willful noncompliance with federal 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 2025-08-05 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: PA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-08-05 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:
have identified information on my credit report that are result of identity these inquiries does not belong to me ( XXXX XXXX  XXXX ( XXXX XXXX ( XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXXdateXXXX

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 2025-08-05 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: Chime Financial Inc
State: GA

Complaint narrative:
I was in the process of trying to buy a car, and there was damage on my credit report. According to 15 U.S.C 1681, there should not be any damages on my report. Remove All Fraudulent Accounts Immediately!!! I am writing to formally dispute a charge on my credit card account in accordance with the Fair Credit Billing Act ( FCBA ). The details of the disputed transaction. I am writing to dispute inaccurate information that your company is reporting to the credit bureaus regarding my above-referenced account. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), I am formally requesting that you investigate this matter. The information currently being reported is inaccurate for the following reason : Under 15 U.S.C. 1681i, you are required to investigate my dispute, report the results to me, and correct or delete any inaccurate or unverifiable information within the required timeframe ( generally 30 days ). Please confirm in writing when the investigation is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Date : XXXX XXXX To : Experian XXXX XXXXXXXX XXXX XXXX, TX XXXX To Whom It May Concern, I am writing to formally dispute and request the immediate investigation and removal of an inaccurate and unverifiable account from my Experian credit report, listed as : - Creditor Name : XXXX XXXX XXXX Amount : {$20.00} - Account Type : Charge-Off Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, credit reporting agencies are required to conduct a reasonable investigation of any disputed information within 30 days of receipt of this notice. This account is not verifiable by any documentation I have received from either the credit reporting agency or the data furnisher. I have made previous efforts to dispute this information and have not received any legitimate evidence proving the accuracy or legal responsibility of this debt. 

If this account can not be verified with documented evidence from the original creditorsuch as a signed contract or billing statementsthen by law, it must be deleted from my credit file.

In accordance with 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), if the investigation finds the information to be inaccurate or unverifiable, the credit bureau must delete or correct the item within 30 days. Continued reporting of unverifiable and inaccurate information is a willful violation of the FCRA and can result in civil liability under 15 U.S. Code 1681n and 1681o.

Furthermore, under 15 U.S. Code 1681s-2 ( b ), a data furnisher must also conduct a proper investigation once a dispute is initiated. If they fail to do so, and you continue to report inaccurate information, both the furnisher and the credit bureau may be held liable.

Action Requested : I demand that this unverifiable account be permanently removed from my Experian credit report within 30 days or less, as required by federal law. If this account is not deleted within the time frame provided by law, I will pursue further legal remedies including, but not limited to : - Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) - Filing complaints with the Federal Trade Commission ( FTC ) and my State Attorney General - Pursuing legal action for willful noncompliance with the FCRA, including damages and attorneys fees Thank you for your prompt attention to this matter. Please provide written confirmation once the investigation is completed or the item is removed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Date : XXXX XXXX To : Experian XXXX XXXXXXXX XXXX XXXX, TX XXXX To Whom It May Concern, I am writing to formally dispute and request the immediate investigation and removal of an inaccurate and unverifiable account from my Experian credit report, listed as : - Creditor Name : XXXX XXXX XXXX Amount : {$20.00} - Account Type : Charge-Off Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, credit reporting agencies are required to conduct a reasonable investigation of any disputed information within 30 days of receipt of this notice. This account is not verifiable by any documentation I have received from either the credit reporting agency or the data furnisher. I have made previous efforts to dispute this information and have not received any legitimate evidence proving the accuracy or legal responsibility of this debt. 

If this account can not be verified with documented evidence from the original creditorsuch as a signed contract or billing statementsthen by law, it must be deleted from my credit file.

In accordance with 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), if the investigation finds the information to be inaccurate or unverifiable, the credit bureau must delete or correct the item within 30 days. Continued reporting of unverifiable and inaccurate information is a willful violation of the FCRA and can result in civil liability under 15 U.S. Code 1681n and 1681o.

Furthermore, under 15 U.S. Code 1681s-2 ( b ), a data furnisher must also conduct a proper investigation once a dispute is initiated. If they fail to do so, and you continue to report inaccurate information, both the furnisher and the credit bureau may be held liable.

Action Requested : I demand that this unverifiable account be permanently removed from my Experian credit report within 30 days or less, as required by federal law. If this account is not deleted within the time frame provided by law, I will pursue further legal remedies including, but not limited to : - Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) - Filing complaints with the Federal Trade Commission ( FTC ) and my State Attorney General - Pursuing legal action for willful noncompliance with the FCRA, including damages and attorneys fees Thank you for your prompt attention to this matter. Please provide written confirmation once the investigation is completed or the item is removed. 

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX # XXXX XXXX Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation