vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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: NY

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 ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, 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 2025-06-11 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: TX

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against TransUnion for inaccurately and inconsistently reporting my XXXX XXXX XXXX ( XXXX XXXX  ) account XXXX. Despite paying off this account in full, TransUnion continues to reflect misleading and damaging derogatory information. 
According to the TransUnion credit report dated XX/XX/XXXX, the XXXXXXXX XXXX account shows a balance of {$0.00}, a last payment date of XX/XX/XXXX, and remarks stating, PAID IN FULL/WAS A CHARGE OFF. This notation is deceptive and contradicts Metro 2 Format ( FAQ 45 ), which clearly states that charge-offs must only reflect an unpaid principal NOT late fees or penalties. In my case, the principal balance was only {$1.00}, and the rest was attributed to fees. 
The report also shows the account was closed on XX/XX/XXXX, before the last payment on XX/XX/XXXX. This inconsistency indicates re-aging and inaccurate reporting. Furthermore, this data creates a false derogatory narrative even though I satisfied the debt entirely, and the account should not carry any remaining negative status under the FCRA. 
Additionally, no positive payment history is reflected for several years. This further violates the FCRA and undermines my right to a fair and accurate credit profile. I have made multiple attempts to correct this, yet TransUnion has failed to reinvestigate and resolve the issue properly, despite my documented disputes and supporting documentation. 
This is a direct violation of the following provisions : - FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy - FCRA 1681i ( a ) : Failure to conduct a proper reinvestigation - FCRA 1681s-2 ( a ) : Furnishing information known to be inaccurate - Metro 2 Format ( FAQ 35, 45 ) : Re-aging and improper charge-off practices Attached to this complaint are copies of my most recent TransUnion credit report, letters from XXXX XXXX stating the balance were reflecting paid in full which it is not, a letter regarding proof junk fees, and a letter amongst many of proof that I have tried to resolve. I request that the CFPB take immediate corrective action to investigate TransUnions handling of this matter and to DELETE the account. 
If this is not resolved, I am prepared to escalate with the FTC, my State Attorney General, and pursue legal action under FCRA 616 and 617 for negligent and willful noncompliance.

Thank you for your time and assistance in addressing 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 2025-06-11 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 — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I attempted to open an account for a business of mine and was denied due to information obtained from the financial institution from Early Warning Services , LLC in XXXX of XXXX. 

I requested a copy of my consumer report and received it on XX/XX/year>. 

I reviewed the report and found inaccurate data such as more than 35 inquires from XXXX XXXX. I called XXXX XXXX because I do have a Checking, Savings, and Credit Card account with them that are all active and in good standing. They informed me that according to their records no one had attempted to open another checking account under my name. 

I called Early Warning Services and disputed the information around XX/XX/year>. 

On XX/XX/year> I was provided a letter requesting additional information for my dispute and I replied on XX/XX/XXXX with a detailed letter explaining the 3 accounts I do have and the response from XXXX  XXXX that no additional account have been attempted to be opened. I also asked in this letter for XXXX  to provide me with the results of their investigation in writing. 

On XX/XX/year> I received a letter from Early Warning Services stating their investigation was complete and their information was accurate with none of the information I requested am entitled to under 15 U.S. Code 1681i ( a ) and 15 U.S.C. 1681s-2 ( b ). I composed an additional letter demanding this information. 

To date my report has not been corrected per the results of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
This company has attempted several times to re-create this closed account onto my consumer report. This account is reported in accurately it has like payments of 120 days late for several months back to back, which is lawfully impossible. This account must be removed effective immediately. This account has been charged off and sold to a third-party debt collector without my consent per 15 USC 1682B I opt out of this and all companies associated with this account contacting me via my consumer report. Text message call emails or any other form of communication. Delete this account immediately.Barclays Account Name : BARCLAYS BANK DELAWARE Account number XXXX Account status : closed Date opened XX/XX/XXXXXXXX  This account is in violation of 15 U.S.C. Section 1681e accuracy of reporting. This account has been listed as 120 days late for over 60 days. I have disputed the accuracy of this account and nothing has been done as a result of the dispute. 15 U.S. Code 1666 - Correction of billing errors states that this error and reporting is unlawful and this account must be removed from my report immediately. 
Late payments these " late payments '' must be removed and this account updated immediately Per 15 usc 1681a 2 a ( I ) XXXX a " consumer reporting Angency '' can not legally report consumer transactions and experiences the late payments on This account must be updated & removed from my consumer report. 

XX/XX/XXXXXXXX  - 30 days XX/XX/XXXX - 60 days XX/XX/XXXX - 90 days XX/XX/XXXX - 120 days XX/XX/XXXX - 120 days XX/XX/XXXX - 120 days late Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and not verbal per 15 usc 6802

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 2025-06-11 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: AL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-06-11 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-06-11 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$340.00}

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 non-monetary relief
Consumer complaint received 2025-06-11 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 writing you about the compromising of my social security number due to the XXXX XXXXXXXX breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The information listed below, which appears on my credit report, does not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft. 
XXXX. 
XXXX XXXX XXXX Account Number : 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 2025-06-11 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: NY

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 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 2025-06-11 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$520.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: NC

Complaint narrative:
i got a notification from my experian app the one of the account was reinserted or update in my credit report when i check the report the account was delete on XXXX XX/XX/year> and reinserted on XXXX XX/XX/year>. 
please see the attached documents fro 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 2025-06-11 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: MD

Complaint narrative:
In XX/XX/XXXX, I disputed multiple inaccurate items on my Experian credit report. Despite the dispute, the following items are still reporting inaccurately or have reappeared : XXXX : Missing/incomplete data for XXXX, XXXX, and XX/XX/XXXX. 

Old Addresses : Inaccurate and outdated addresses are still showing. 

Closed Accounts : Several accounts remain listed with inaccurate statuses. 

XXXX  XXXX XXXX : Incorrect charge-offs and late payments still showing. 

XXXX XXXX : Payment history shows XXXX day lates and charge-offs that are inaccurate. 


These issues violate the Fair Credit Reporting Act. I am requesting that Experian conduct a proper reinvestigation and permanently remove all inaccurate information. This ongoing inaccurate reporting is harming my credit profile and financial standing.

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In XX/XX/XXXX, I disputed multiple inaccurate items on my Experian credit report. Despite the dispute, the following items are still reporting inaccurately or have reappeared : XXXX : Missing/incomplete data for XXXX, XXXX, and XX/XX/XXXX. 

Old Addresses : Inaccurate and outdated addresses are still showing. 

Closed Accounts : Several accounts remain listed with inaccurate statuses. 

XXXX  XXXX XXXX : Incorrect charge-offs and late payments still showing. 

XXXX XXXX : Payment history shows XXXX day lates and charge-offs that are inaccurate. 


These issues violate the Fair Credit Reporting Act. I am requesting that Experian conduct a proper reinvestigation and permanently remove all inaccurate information. This ongoing inaccurate reporting is harming my credit profile and financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
EXPERIAN : I need to urgently lift a fraud alert on my Experian file but I can not access my account. The phone number Experian has on file is an old, disconnected landline, so I can not complete verification. Experian 's online system only offers to text this incorrect number. There is no option to update the number or verify another way. I have called all Experian phone numbers repeatedly and can not reach an agent to fix this. The result is that I am locked out of my own Experian file and unable to manage or lift the fraud alert. I need Experian to contact me to verify my identity and allow me to update my phone number so that I can manage my credit file. This is an urgent matter. I also need to lift the freeze in order to apply for a business credit card. I have to be able to access my own 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 2025-06-11 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: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as Pintos v. Pacific Creditors Association ( 2010 ) and Dennis v. BEH-1, LLC ( 2002 ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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 2025-06-11 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: MI

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 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