vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-23 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: Bonneville Billing and Collections
State: TX

Complaint narrative:
I dont own that account and its showed at first was closed but still accumulating balance and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX Debt XXXX Name : XXXX XXXX  Debt XXXX Company Name : XXXX [ Debt XXXX Address XXXX XXXX XXXX. 
XXXX, TX XXXX XXXX To Whom It May Concern, Transunion. 

I am writing to dispute and request validation of an account that appears as a charge-off on my credit report. I request that you provide proper documentation validating this debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Here are the account details : Creditor : XXXX  Reported Balance : {$1300.00} Date of Charge-Off : XX/XX/year> I do not acknowledge this debt and am exercising my legal right to request the following : XXXX. Proof of the original debt, including a signed contract or agreement. 
XXXX. A full account history, showing how the balance was calculated. 
XXXX. Documentation proving that you are legally authorized to collect this debt. 
XXXX. The name and address of the original creditor. 
XXXX. A copy of any judgment, if applicable. 

Until this information is provided, I request that you cease collection efforts and stop reporting this charge-off to the credit bureaus. If you can not validate the debt, the charge-off must be removed from my credit reports with all three major credit bureaus ( Equifax, Experian, and TransUnion ) XXXX 

Additionally, if the debt has been resolved, paid, or settled, I respectfully request that you remove the charge-off as a goodwill adjustment in recognition of the resolution and my effort to maintain good financial standing. 

Thank you for your attention to this matter. I expect a response within 30 days as required by federal law. 

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 non-monetary relief
Consumer complaint received 2025-06-23 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
This complaint concerns TransUnions mishandling of a credit dispute involving a fraudulent XXXX XXXX American Express tradeline reported on my personal credit report. 

On XX/XX/XXXX, I mailed a full dispute package to TransUnion and American Express. This included a fraud dispute letter, police report ( # XXXX, approved XX/XX/XXXX ), fraud affidavits, and a communications log. The XXXX AMEX account had been canceled by me but continued to be used without my knowledge or consent by a third party. Despite this, AMEX reported a derogatory tradeline on XX/XX/XXXX. 

XXXX  responded on XX/XX/XXXX, stating the account was verified as accurate and only updated minor information. They did not acknowledge or address the mailed documentation. Their online portal restricted uploads due to file naming rules ( i.e., forbidden characters ), which made it impossible to upload critical documents. Only XXXX attachments were accepted online. 

Because of this, I submitted a formal reinvestigation request online on XX/XX/XXXX, referencing XXXX ID XXXX. I again asked XXXX  to review the full dispute package mailed on XX/XX/XXXX and reinvestigate manually. That letter is attached here for your reference. 

From XXXX XXXX XXXX, I received conflicting and confusing communications from XXXX. XXXX message said results were ready. Another stated the investigation was still In Process with a completion date of XX/XX/XXXX. The online portal offered no clarity. As of XX/XX/XXXX, I have no confirmed resolution, and the fraudulent tradeline remains. 

XXXX  handling of this matter violates the Fair Credit Reporting Act. They failed to consider timely, material evidence. They also erected avoidable technical barriers to submission of supporting documents, obstructing the dispute process and preventing a fair review. 

I request that the CFPB : Compel XXXX  to delete the fraudulent AMEX tradeline ; Ensure a proper reinvestigation occurs with full review of the evidence submitted ; Require XXXX  to notify all third parties who received the inaccurate report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: IN

Complaint narrative:
XXXX XXXX XXXX  XXXX is inaccurately reporting late payments on my credit file. I submitted formal dispute letters to Equifax and XXXX, providing evidence that I was never late, yet no meaningful reinvestigation was completed, which appears to violate 15 U.S.C. 1681i ( a ) and 1681s-2 ( b ) under the Fair Credit Reporting Act ( FCRA ). I requested XXXX XXXX to verify the alleged delinquency, including a signed agreement, but received no documentation in return, potentially violating 15 U.S.C. 1692g under the FDCPA. Separately, XXXX XXXX XXXX sold an alleged debt to a third-party collector without verifying the debt with a wet signature, government-issued ID, or Social Security number as required by 15 U.S.C. 1692e and 1692g. XXXX XXXX XXXX subsequently filed a lawsuit against me without validation and later dismissed the suit " without prejudice, '' which I have in writing. Despite this, XXXX XXXX XXXX assert I owe the debt, XXXX XXXX XXXX has been removed from my credit report and the court. These actions are causing me ongoing harm and may also violate UCC 3-501 and 42 U.S.C. 1983. I am seeking appropriate investigation and correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: IN

Complaint narrative:
XXXX XXXX XXXX  XXXX is inaccurately reporting late payments on my credit file. I submitted formal dispute letters to XXXX  and Experian, providing evidence that I was never late, yet no meaningful reinvestigation was completed, which appears to violate 15 U.S.C. 1681i ( a ) and 1681s-2 ( b ) under the Fair Credit Reporting Act ( FCRA ). I requested XXXX XXXX to verify the alleged delinquency, including a signed agreement, but received no documentation in return, potentially violating 15 U.S.C. 1692g under the FDCPA. Separately, XXXX XXXX XXXX sold an alleged debt to a third-party collector without verifying the debt with a wet signature, government-issued ID, or Social Security number as required by 15 U.S.C. 1692e and 1692g. XXXX XXXX XXXX subsequently filed a lawsuit against me without validation and later dismissed the suit " without prejudice, '' which I have in writing. Despite this, XXXX XXXX XXXX assert I owe the debt, XXXX XXXX XXXX has been removed from my credit report and the court. These actions are causing me ongoing harm and may also violate UCC 3-501 and 42 U.S.C. 1983. I am seeking appropriate investigation and correction.

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 2025-06-23 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Number : XXXX Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit account opened at Sync carecr on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). A loan account open at XXXX XXXX XXXX on XX/XX/XXXX under account number ( XXXX ), a loan account open at XXXX XXXX XXXX on XX/XX/XXXX under account number ( XXXX ), a loan account open at XXXX XXXX XXXX on XX/XX/XXXX under account number ( XXXX ), a loan account open at XXXX XXXX XXXX under account number ( XXXX ), a loan account open at XXXX XXXX XXXX on XX/XX/XXXX, XXXX accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 ) an ( 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 explanation
Consumer complaint received 2025-06-23 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: PA

Complaint narrative:
I received my request from Equifax for my report after I have paid down my credit debt and paid off my Auto loan never missed a payment to get my title so I could sell the truck or trade in but my Score lost over XXXX points all of my credit cards are under 20 % utilization never miss payments and I am thinking my score will go over XXXX but it went to XXXX I find this unlawful and will be contacting an attorney and the media this is slander why do you do the right thing and you lose XXXX points My XXXX XXXX is from 1998 but my avg length of credit is 6.5 years again another mistake then My address I live on XXXX XXXX XXXXXXXX not XXXX XXXX 30 years never taken off I dont know where XXXX XXXX is So I need help big time and I will seek legal action if not corrected Im disgusted by this model of credit they use its disgusting I am requesting an immediate investigation into this matter I will call my congressmen

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 2025-06-23 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: LA

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt v. gravens ( mo ) XXXX XXXX. i presume that no proof of the alleged debt. nor therefore, any such debt in fact, therefore exist ( please remove these accounts before I seek litigation for the defamation of character ) XXXX XXXX XXXX balance {$23000.00}, XXXX XXXX {$2300.00}, XXXX XXXX XXXX balance {$490.00}, XXXX  XXXX XXXX balance {$470.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: LA

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt v. gravens ( mo ) XXXX XXXX. i presume that no proof of the alleged debt. nor therefore, any such debt in fact, therefore exist ( please remove these accounts before I seek litigation for the defamation of character ) XXXX XXXX XXXX balance {$23000.00}, XXXX XXXX {$2300.00}, XXXX XXXX XXXX balance {$490.00}, XXXX  XXXX XXXX balance {$470.00}.

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 2025-06-23 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: FL

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$110.00} Date XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-06-23 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:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$110.00} Date XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( 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 non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: MS

Complaint narrative:
i have no credit with the above creditor. { national recovery agency }. the account was opened XXXX XXXX i have contacted the furnisher about the negative item on my credit report and have received no verifiable response, and would like a full investigation under the fair credit reporting act ( fcra ). please remove this unverifiable item front 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 2025-06-23 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: V and H Portfolio
State: MS

Complaint narrative:
I am formally reporting that this company is furnishing an account that was fraudulently opened using my personal information without authorization, as part of an identity theft incident I have already documented with the FTC. 

On XX/XX/2025, I mailed a full identity theft packet to the company, including : A valid FTC Identity Theft Report ( # XXXX ) A notarized written statement attesting to the fraudulent nature of the account A copy of my photo ID and proof of address A dispute and blocking request pursuant to FCRA 605B According to the Fair Credit Reporting Act, the company is legally required to block any tradeline resulting from identity theft within XXXX business days of receiving proper notice. As of the date of this complaint, the fraudulent account is still being reported to XXXX or more credit reporting agencies. 

I have no financial relationship with this company and never consented to the account being opened. Continued reporting after receipt of a formal identity theft claim and supporting documentation is both harmful and unlawful. This is a clear failure to comply with FCRA 605B, 611, and 623 ( b ). 

The presence of this inaccurate tradeline has damaged my credit standing, lowered my scores, and caused denial of financing and increased interest rates. I request immediate corrective action and deletion of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am the victim of identity theft. 
On XX/XX/year> I filed an FTC Identity Theft Report ( Report # XXXX ; copy attached ) and promptly sent ittogether with a sworn affidavit, police report, proof of identity, and 605B block requeststo each credit bureau and to every furnisher listed below. 

Despite receiving all legally required documentation, these furnishers continue to report fraudulent accounts on my Experian, XXXX XXXX XXXX files, damaging my credit, lowering my FICO scores, and obstructing new credit opportunities. The fraudulent tradelines are : XXXX XXXX XXXX XXXX acct ending XXXX ( - {$830.00} ) XXXX XXXX revolving acct ending XXXX ( - {$430.00} ) XXXX XXXX XXXX XXXX acct ending XXXX ( - {$1500.00} ) and acct ending XXXX ( - {$1300.00} ) XXXX XXXX XXXX XXXX XXXX XXXX acct ending XXXX ( - {$1300.00} ) XXXX XXXX XXXX XXXX XXXX acct ending XXXX ( - {$4600.00} ) XXXX XXXX XXXX XXXX acct ending XXXX ( - {$170.00} ) ( also the subject of a written-off judgment still being reported ) XXXX & XXXX XXXX XXXX acct XXXX XXXX ( - {$2000.00} ) FCRA violations : 15 U.S.C. 1681c-2 ( FCRA 605B ) furnishers and CRAs must block identity-theft information within 4 business days after receiving a valid FTC report and affidavit .

15 U.S.C. 1681s-2 ( b ) furnishers must fully investigate and delete any information that is inaccurate or the result of identity theft once they receive dispute notice from a CRA.

15 U.S.C. 1681i ( a ) CRAs must perform a reasonable reinvestigation and delete or suppress unverifiable information within 30 days.

Timeline & prior contacts : XXXX Theft Report filed ; certified-mail dispute packets sent to each CRA and furnisher. 
XXXX green-card receipts returnedproof that every party received the 605B request. 
XXXX reinvestigation window expired with no deletions and no investigation results provided. 
XXXX letters sent ; still no compliance. 

Harm suffered : FICO score drop of XXXX points, causing denial of a refinancing application and higher auto-loan APRs. 
Emotional distress, time off work, and postage/ notary/ certified-mail costs. 

Requested resolution : XXXX. XXXX deletion or permanent blocking of the above tradelines from all consumer-reporting files.

2. Written confirmation from each furnisher and CRA that the deletion/block is complete.

3. Updated credit reports reflecting a XXXX balance and removal of all derogatory remarks.

4. Reimbursement of out-of-pocket costs attributable to these violations. 

I certify under penalty of perjury that the statements above are true and correct.

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