vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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: TN

Complaint narrative:
Medical debt reported on all thee companies reports ( experian, equifax, transunion ) and shows it in collections, according to your rules. This is a violation.

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 2025-05-01 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: FL

Complaint narrative:
Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX Fl. XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


3. XXXX XXXX :. My correct Employer is : XXXX XXXX & XXXX Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

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 2025-05-01 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: AR

Complaint narrative:
I sent FTC and ID theft affidavits to TransUnion, Equifax, and Experian credit Bureaus. I asked them to STOP reporting these fraudulent accounts as they are causing me financial harm. NOTHING has been done so far.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: AR

Complaint narrative:
I sent FTC and ID theft affidavits to TransUnion, Equifax, and Experian credit Bureaus. I asked them to STOP reporting these fraudulent accounts as they are causing me financial harm. NOTHING has been done so far.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing to formally dispute one or more unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity.

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 2025-05-01 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: LEXISNEXIS
State: CA

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.

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 : It also states a consumer reporting agency can not furnish a 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 of crimes which antedates the report by more than seven 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: NV

Complaint narrative:
Hello. There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: NV

Complaint narrative:
My student loan servicer, Aidvantage, reported a XXXX delinquency to the credit bureaus shortly after my account came out of forbearance. However, I was never notified that my loan was exiting forbearance, nor was I informed that a payment was due. I received no emails, letters, or calls notifying me of this change. 
As a result, a negative payment history was reported, and my credit score dropped by over XXXX points. I believe this is a violation of the Fair Credit Reporting Act and a failure in proper loan servicing practices. 
I have contacted the servicer and credit bureaus but have not been provided documentation proving I was adequately notified. I request that the CFPB investigate and assist in having this negative mark removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Dear CFPB and Citibank N.A. ( THD/CBNA ), I am disputing the reporting of multiple late payments on my Home Depot credit card account serviced by Citibank N.A . ( Acct # : XXXX ), which appear on my credit reports for the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

These negative entries do not accurately reflect my intent or payment behavior. During the periods in question, I was facing ongoing personal and financial hardship, including medical emergencies and bank account restrictions related to suspected fraudulent activity. These events disrupted my ability to manage all payments consistently, even though I made every attempt to bring accounts current as soon as possible. 

I was never provided with timely or effective communication or cure notices regarding any missed payments prior to derogatory reporting. This calls into question whether the creditor complied with its obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) to report accurate and complete information, and to conduct reasonable investigations when consumers dispute data. 

Given the scattered timing of these reported lates and my otherwise responsible credit behavior, I believe this account is being reported in a way that is incomplete and misleading, especially in light of my documented hardship.

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 2025-05-01 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, Equifax & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 2025-05-02 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: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-05-02 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-02 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:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Affirm Holdings, Inc
State: MA

Complaint narrative:
Someone opened an affirm card with my husband 's name and my name. When they would use this card it would appear as " affirmcard '' on my statement and they money would be deducted from my bank account. I've reported this to my bank but my bank said there's nothing they can do that I have to deal with affirm. When I call affirm they say I have to deal with my bank. I'm out about {$1300.00} and don't know what else to do

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: KS

Complaint narrative:
Date : XX/XX/year> Dear CFPB Review Officer, This letter serves as an update and supplement to my pending complaint against TransUnion LLC regarding the continued inaccurate reporting of a satisfied student loan account initially serviced by XXXX and subsequently reassigned without justification to XXXX XXXX XXXX ( XXXX ). 

Since my initial complaint : XXXX TransUnion has failed to provide any documentary evidence supporting its verification claims. 

The alleged debt was reassigned to XXXX without proper validation or notification. 

I issued a certified Debt Validation Request to XXXX on XX/XX/year> ; to date, no response or proof of debt has been received. 

Despite XXXX 's failure to validate, TransUnion continues to publish derogatory information, causing a documented XXXX drop in my credit score. 

Furthermore, TransUnion refused to disclose investigation procedures when requested, in violation of FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

I have now issued a Final Notice demanding complete deletion of the account, disclosure of all investigative documentation, and a notarized Affidavit from the investigator verifying compliance with FCRA standards.

Failure to comply will result in federal litigation in the U.S. District Court for the District of XXXX, as well as additional state consumer protection claims. 

I respectfully request that the CFPB maintain this supplemental documentation in my case file for review and further consideration. 

Sincerely, XXXX XXXX XXXX Supplemental Statement Regarding TransUnion 's Pattern of FCRA Violations I respectfully supplement my pending complaint to highlight that the misconduct I experienced from TransUnion mirrors the misconduct at issue in Norman v. TransUnion LLC, Case No. 2:18-cv-05225-GAM ( E.D. Pa. ), which resulted in a {$23.00} XXXX settlement. 

In Norman, TransUnion was sued for failing to conduct thorough investigations into consumer disputes, issuing boilerplate " verification '' responses, and damaging consumers ' credit through negligence and willful misconduct. 

Despite that settlement, TransUnion continues to engage in substantially similar practices mishandling disputes, failing to conduct proper investigations, substituting furnisher information, and causing significant credit harm. 

This pattern of behavior suggests ongoing, willful violations of the Fair Credit Reporting Act ( FCRA ) that warrant regulatory scrutiny. 

I respectfully request that this information be incorporated into my case file and that regulatory action be considered. 

Attachments : Final Notice to TransUnion Certified Mail Proof of Debt Validation Demand ( XXXX ) XXXX XXXX XXXX  Documentation

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 2025-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Midland Credit Management Inc. sued me for a debt they did not validate and reported this invalidated information to the XXXX XXXX and XXXX  creating a negative entry on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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:
Hello. I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize, nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-02 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-01 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: MI

Complaint narrative:
Inaccurate reporting of balances on accounts that are charged off no 1099 C has been issued to me by any company that has collected insurance.

Addresses that I haven't lived at are showing on my credit report. Accounts that I haven't used or reporting as well.

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 2025-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I was the victim of identity theft and a fraudulent tax return. Someone submitted a false tax return under my name and send the refund to BMO account. I contact the IRS and completed form 14039 Identity Theft Affidavit and form 3911 Taxpayer Statement Regarding Refund. I also submitted a police report Case ID : XXXX. I was able to discover the my Tax return amount of {$80000.00} was deposited in a BMO account ( routing number XXXX and account number XXXX ). BMO was able to confirm the money was in the account but they would not freeze the funds in the account despite me explaining the situation to them. I asked them if they would be willing to provide me with a written refusal stating that they were unwilling or unable to assist me and they would not provide this to me either. I need a written statement of refusal from the bank saying they cant or wont discuss the matter with you. I need this because this will compels the IRS to escalate internallyto the Department of the XXXX XXXX XXXX XXXX has the authority to insist the bank reverse the deposit.

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 2025-05-02 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: IL

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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