vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-26 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: CO

Complaint narrative:
This filing a complaint serves as a formal second request to dispute the following information that continues to appear on my credit report despite my prior written request for an investigation under the Fair Credit Reporting Act ( FCRA ). 
According to the FCRA, you are required to conduct a reasonable investigation within 30 days of receiving a dispute. I previously submitted a dispute regarding the following account ( XXXX ), and to date, the inaccurate or unverifiable information remains : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$8100.00} XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> ''

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 2025-05-26 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: CA

Complaint narrative:
I am resubmitting this complaint in reference to the letter I previously sent, wherein I requested the removal of fraudulent items from my credit file. Once again, I amurging Experian, XXXX, and TransUnion Credit Bureaus to remove the fraudulentitems listed in the Identity Theft Report. According to the law, you are obligated toremove these listed fraudulent items. Please review the fraudulent items below, whichhave been exposed in all three Credit Bureaus without my permission, and I requesttheir prompt removal XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : $ 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 2025-05-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$230.00}

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 2025-05-26 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: GA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-05-26 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-26 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-26 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: GA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2025-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP

Complaint narrative:
Purchase date XX/XX/year> Advertised cash price amount XXXX XXXX XXXX XXXX payment XXXX Salesman changed the cash price of the vehicle to XXXX on the contract without consumer giving consent. Total Inflated price of XXXX from the addition of add ones without the consumer agreement. This vehicle was almost paid twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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:
Dear CFPB, I am writing to formally file a complaint against the national credit reporting agencies Equifax, Experian, and TransUnion for their failure to adequately investigate and verify debt information that I have disputed under my rights granted by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

I have submitted multiple debt validation letters and dispute requests to the credit bureaus and debt collectors regarding certain accounts appearing on my credit reports. In response, I have received either generic form letters or no meaningful documentation to prove the debts are valid or belong to me. These responses did not include any supporting evidence such as original signed agreements, itemized statements, or proof of a legal transfer of the debts.

Despite this lack of proper validation, the credit bureaus have continued to report these accounts as accurate without sufficient investigation, violating their duty to conduct a reasonable review of the dispute and to ensure the information they report is accurate and verifiable.

I am requesting that the CFPB investigate these credit bureaus for : Failing to properly investigate disputes under FCRA 611.

Failing to require debt collectors to provide full validation of debts under FDCPA.

Continuing to report disputed debts without proof or verification.

Potentially harming my creditworthiness by reporting unverifiable or inaccurate debt information.

I have made every effort to resolve these issues directly with the credit bureaus and collectors, but my concerns have not been taken seriously. I am now requesting that the CFPB step in to ensure that my rights are upheld and that credit reporting agencies are held accountable for failing to comply with federal law.

Please let me know if you require copies of my letters or responses I have received. I am prepared to provide all documentation upon request.

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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
My Equifax account has been blocked, and I am unable to access my credit report or dispute inaccurate information. I mailed the required identity verification documents via certified mail, and USPS tracking confirms delivery to the post office. However, the documents were never picked up by Equifax. I have contacted customer service multiple times with no resolution. I need urgent assistance regaining access to my account and ensuring my dispute rights are not delayed or denied due to Equifaxs inaction because this is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: NY

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: CA

Complaint narrative:
To : Equifax Submitted via : Consumer Financial Protection Bureau ( CFPB ) Portal Subject : Urgent Request to Block Fraudulent XXXX XXXX XXXX Account Identity Theft Dispute under 15 U.S.C. 1681c-2 I am formally requesting the immediate blocking and removal of a fraudulent XXXX XXXX XXXX account reported on my credit file as a result of identity theft. This request is made under my legal rights pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2. 
Disputed Information : Creditor : XXXX XXXX XXXX, This account is the result of criminal identity theft. I am not liable for any transactions, balances, or delinquencies associated with this account. 
In support of this dispute, I am providing the following required documentation : 1. An FTC Identity Theft Report 2. An official police report filed with the XXXX XXXX Police Department ( XXXX ) 3. The accompanying Victim Supplement and Financial Loss Report from XXXX. 
Legal Basis for This Request : Under 15 U.S.C. 1681c-2 ( a ), a consumer reporting agency is required to block all information relating to a fraudulent transaction or account within four business days of receiving : A copy of an identity theft report A statement from the consumer identifying the information as fraudulent Continued reporting of this account may constitute a violation of 15 U.S.C. 1681n if done willfully, and I reserve all rights to seek damages if Equifax fails to take corrective action as required by law. 
Please confirm via the CFPB portal that the disputed information has been permanently blocked and removed from my credit file, and provide a copy of my updated credit report reflecting this correction. 
Thank you for your prompt action and compliance. 
Sincerely, XXXX XXXX, Social Security XXXX Attachments ( uploaded to CFPB portal ) : FTC Identity Theft ReporXXXX XXXX  Police Report XXXX Victim supplement financial lose report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX has been non compliant, by not reporting the payments and correct balances to the CRAs for more than 61 days The past 2 weeks XXXX XXXX XXXX falsely represented that they were reporting correctly, which you may see on the transunion from today at XXXXXXXX XXXX which can be verified with the metadata for the file, as well, as the last check on transunion report, not having any reports, since XXXX XXXX. Attached you may see the statement of account proving the false representations to the CFPB. WE ALL KNOW HOW SERIOUS, FALSE REPRESENTATIONS TO AN AUTHORITY ARE. Attached is the evidence of the crime.

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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX has been non compliant, by not reporting the payments and correct balances to the CRAs for more than 61 days The past 2 weeks XXXX XXXX XXXX falsely represented that they were reporting correctly, which you XXXX see on the transunion from today at XXXX XXXX which can be verified with the metadata for the file, as well, as the last check on transunion report, not having any reports, since XXXX XXXX. Attached you may see the statement of account proving the false representations to the CFPB. WE ALL KNOW HOW SERIOUS, FALSE REPRESENTATIONS TO AN AUTHORITY ARE. Attached is the evidence of the crime.

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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX has been non compliant, by not reporting the payments and correct balances to the CRAs for more than 61 days The past 2 weeks XXXX XXXX XXXX falsely represented that they were reporting correctly, which you may see on the transunion from today at XXXXXXXX XXXX which can be verified with the metadata for the file, as well, as the last check on transunion report, not having any reports, since XX/XX/year>. Attached you may see the statement of account proving the false representations to the CFPB. WE ALL KNOW HOW SERIOUS, FALSE REPRESENTATIONS TO AN AUTHORITY ARE. Attached is the evidence of the crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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:
This CFPB complaint is filed in accordance with FCRA Section 605B ( 15 U.S.C. 1681c-2 ) to demand the immediate blocking of several accounts that have been fraudulently reported to Experian. These accounts were not opened by me and are tied to identity theft. As required by law, these items must be blocked from my consumer credit file within four business days of receiving this dispute.

The following accounts are falsely reporting and must be removed : A collection account with XXXX XXXX opened on XX/XX/year>, with a balance of {$1100.00} In accordance with FCRA Section 611 ( 15 U.S.C. 1681i ), I also dispute the validity of these entries and require a full reinvestigation. I am requesting that Experian provide the exact method of verification used for each account, along with any physical evidence or original records that were relied upon to determine their accuracy. If no such proof exists, these accounts qualify as prima facie fraudulent entries and must be removed without delay.

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 2025-05-26 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: MD

Complaint narrative:
I recent looked at my credit profile and noticed there were a nunber of fraudulent accouts and inquiries oin my credit that i did ot give my consent for. those inquiries consist of the following XXXX. XXXX XXXX ( XXXX ) XXXX XXXX. XXXXXXXX XXXX ( equifax ) 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 2025-05-26 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: CT

Complaint narrative:
This CFPB complaint is being filed under the authority of FCRA Section 605B ( 15 U.S.C. 1681c-2 ) to request that Equifax immediately block and remove the following accounts, which were fraudulently opened and falsely reported on my consumer credit file. These entries are the result of identity theft and must be handled within four business days of this notice, as required by law. 

The following accounts are fraudulent and inaccurately associated with me : A collection account with XXXX XXXX XXXX opened on XX/XX/scrub>XXXX XXXX XXXX, with a balance of {$12000.00} A collection account with XXXX XXXX XXXX opened on XXXX XXXX XXXX, with a balance of {$9200.00} In addition, I am disputing these items under FCRA Section 611 ( 15 U.S.C. 1681i ) and demanding a complete reinvestigation. Equifax is obligated to provide details on the verification process used to validate these accounts, along with physical proof or original documentation to support their accuracy. If such verification can not be presented, the continued reporting of these items constitutes prima facie fraudulent activity and must be immediately corrected.

Company response to consumer: Closed with explanation