vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-04-09 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: CA

Complaint narrative:
I am extremely frustrated by the continued presence of false information on my TransUnion credit report. These are not minor clerical mistakesthey are serious reporting failures that are damaging my financial credibility and blocking access to opportunities. Despite previous disputes, these inaccuracies remain unresolved, which shows a blatant disregard for maintaining accurate consumer data. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fully accurate and verified. If TransUnion can not provide clear, irrefutable documentation to support the reported information, it must be removed without delay. Im not askingIm demanding full compliance with federal law. Continued inaction will be treated as willful negligence. 

The following dispute items are inaccurate and must be addressed immediately : XXXX XXXX XXXX - Account Number : XXXX - Reporting Balance : {$340000.00}

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 2025-04-09 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SLM CORPORATION
State: TX

Complaint narrative:
Final Dispute Follow-Up & NOTICE OF INTENT TO SUE Accounts : XXXX / XXXX To Whom It May Concern, This letter is a final attempt to resolve the inaccurate reporting of the following Sallie Mae accounts currently appearing on my XXXX credit report : XXXX. Account # : XXXX ( ending in XXXX ) Incorrect Date Reported on XXXX : XX/XX/year> Verified Correct Date by Sallie Mae : XX/XX/year> XXXX. Account # : XXXX ( ending in XXXX ) Incorrect Date Reported on XXXX : XX/XX/year> Verified Correct Date by Sallie Mae : XX/XX/year> These correct dates were provided directly by Sallie Mae in writing and verified through original loan disbursement statements, which I have attached for your reference. The inaccurate dates currently listed on XXXX are not only misleading but are preventing me from obtaining accurate financing due to credit scoring model impacts. 

Under the Fair Credit Reporting Act ( FCRA ), inaccurate information must be corrected or deleted from consumer reports. I previously mailed a dispute regarding this matter and have received no resolution or deletion in the allowed time frame of 30 days, as required under FCRA Section 611.

NOTICE OF INTENT TO SUE If these inaccurate accounts are not corrected or fully removed from all consumer reporting agencies within 15 days of receipt, I will take legal action against Sallie Mae for : Willful and/or negligent violations of the FCRA Continued furnishing of inaccurate information Emotional and financial harm Statutory damages, attorneys fees, and court costs I am prepared to file a complaint in federal court and submit supporting documentation to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) , and the Office of the Attorney General. 

Please consider this your final notice before litigation. 

Kindest Regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing the validity of all claims associated with the account listed under account number XXXX. This account, reported as a repossession by XXXX XXXX, is inaccurate and unverified. 

There is no balance reporting, and my sole concern is the inaccurate repossession status. Under the laws of Texas, as well as UCC 9.506, XXXX, and XXXX statutes, a repossession can not be lawfully reported unless all required pre-sale notices were properly and timely issued, and the borrower was given a reasonable opportunity to cure or redeem the vehicle. I do not recall receiving such notices. 

In XX/XX/year>, I submitted a written request directly to XXXX XXXX asking for documentation to validate this repossession. That correspondence, which is attached, is dated and time stamped. To date, they have failed to provide the required documentation. 

Furthermore, this account has already been deleted by XXXX due to failure to verify its accuracy. Therefore, Experian and XXXX must now follow suit and remove this account in accordance with FCRA 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy in consumer reporting. 

As this information remains unverified and inaccurate, I am formally requesting that this account be removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On my XXXX XXXX in my credit report say XXXX  days late but I never been late on my payment please update my account. The account number is XXXX. XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: NY

Complaint narrative:
According to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, any entity furnishing data to credit reporting agencies is prohibited from reporting information they know or have reasonable cause to believe is inaccurate. The following accounts are false, unverified, and do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts are ERRONEOUS AND DO NOT PERTAIN TO ANY DEBT I OWE. Continued reporting of FALSE information is not only unlawful but is causing material harm to my credit and financial reputation. I demand the immediate and permanent deletion of these accounts from all credit reporting agencies IMMEDIATELY. I DEMAND you provide written confirmation of these actions within 15 days of receiving this letter. Failure to comply will leave me no choice but to formally complain and consider STATUTORY, ACTUAL, AND PUNITIVE DAMAGES AS PROVIDED UNDER FCRA. 
MY FTC report # is : 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 2025-04-09 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: NY

Complaint narrative:
According to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, any entity furnishing data to credit reporting agencies is prohibited from reporting information they know or have reasonable cause to believe is inaccurate. The following accounts are false, unverified, and do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts are ERRONEOUS AND DO NOT PERTAIN TO ANY DEBT I OWE. Continued reporting of FALSE information is not only unlawful but is causing material harm to my credit and financial reputation. I demand the immediate and permanent deletion of these accounts from all credit reporting agencies IMMEDIATELY. I DEMAND you provide written confirmation of these actions within 15 days of receiving this letter. Failure to comply will leave me no choice but to formally complain and consider STATUTORY, ACTUAL, AND PUNITIVE DAMAGES AS PROVIDED UNDER FCRA. 
MY FTC report # is : 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 2025-04-09 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: NY

Complaint narrative:
According to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, any entity furnishing data to credit reporting agencies is prohibited from reporting information they know or have reasonable cause to believe is inaccurate. The following accounts are false, unverified, and do not belong to me : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts are ERRONEOUS AND DO NOT PERTAIN TO ANY DEBT I OWE. Continued reporting of FALSE information is not only unlawful but is causing material harm to my credit and financial reputation. I demand the immediate and permanent deletion of these accounts from all credit reporting agencies IMMEDIATELY. I DEMAND you provide written confirmation of these actions within 15 days of receiving this letter. Failure to comply will leave me no choice but to formally complain and consider STATUTORY, ACTUAL, AND PUNITIVE DAMAGES AS PROVIDED UNDER FCRA. 
MY FTC report # is : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I had a collection placed on my credit report in XX/XX/XXXX from DRS for XXXX Bank, amounting to {$620.00}. I contacted DRS, explaining that I hadn't applied for new credit in over XXXX  years, so this debt couldn't be mine. I hadn't opened any credit with XXXX Bank since XXXX or XXXX, and both accounts were paid and closed in good standing. 

Despite my explanation, DRS insisted I had this account but never provided the account opening date or the last non-payment date. Frustrated, I reached out to the credit bureau, asking them to investigate. I requested they check my credit application history and ask DRS for proof of the account 's opening date and last non-payment date. Unfortunately, they returned saying it was verified. 

I questioned how this could be, as I hadn't opened new credit since XXXX. It's now XXXX, and this company has never reported an account or late payment, just a collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-09 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 — Was not notified of investigation status or results
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I am a Florida resident and have submitted three disputes to ChexSystems regarding an inaccurate and outdated report from XXXX XXXX XXXX XXXX ( dated XX/XX/XXXX, for {$55.00} ). My disputes were submitted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( confirmation numbers XXXX, XXXX, and XXXX ). Despite the legal requirement to respond within 30 days under the Fair Credit Reporting Act ( FCRA ), ChexSystems has failed to investigate or provide any results. 

I included all required identification and supporting documentation in each submission : my drivers license, Social Security card, utility bill ( as proof of address ), and a screenshot of the dispute confirmation page. 

ChexSystems failure to respond violates FCRA 611 ( 15 U.S.C. 1681i ) and undermines my rights as a consumer. I am requesting : Immediate removal of the inaccurate record from my report, A formal CFPB investigation into ChexSystems noncompliance, and Consideration of regulatory enforcement for repeated failure to process valid disputes. 

I have attached documentation to support my claim.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Oliphant United, Inc.
State: KY

Complaint narrative:
My personal information was breached and my information was used to open an account that I am not aware of and now I am receiving collection calls and emails several times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: FL

Complaint narrative:
In accordance with the fair credit reporting act, The list of accounts below has violated my federal protect consumer rights to privacy and confidencialy under 15 U.S.C 1681 The accounts below have violated my rights 15 U.S.C 1681 section 602A states, I have the right to privacy. 15 U.S.C 1681 section 604A section XXXX DELETE the accounts below XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-04-09 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:
Subject : Urgent Dispute Regarding Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute the inaccurate information Experian reported on my credit file. It has come to my attention that my name, address, social security number, and other personal details are incorrect. Furthermore, Experian has been consistently updating outdated information that should have been removed due to my divorce. 

Specifically, Experian has failed to verify my correct social security number, and the telephone numbers associated with my account are inaccurate. Additionally, much of the information on my credit report dates back to XXXX, which is over XXXX XXXX XXXX and should not be affecting my current credit status. 

These inaccuracies have significantly impacted my ability to secure a home loan, a car loan, and credit cards, effectively hindering my financial well-being. As such, I demand that these erroneous entries be corrected or removed immediately to comply with Consumer Protection laws. 

If this matter is not resolved promptly, I will have to initiate legal proceedings to protect my rights and interests. 

I expect to hear back from you regarding the resolution of this dispute within the time frame stipulated by law. Please find attached the relevant documentation to support my claims. 

Thank you for your immediate attention to this serious matter. 

Please have them remove my incorrect name, telephone number, and social security number from all of the accounts. All accounts that are XXXX to XXXX XXXX XXXX must be removed ; it is a violation. Today, I tried to have them remove the information from my credit report. According to XXXX, who took the call, " You must contact the creditors to have them remove the information, which is XXXX to XXXX XXXX XXXX. 

When I tried to give her the Consumer Report number to verify who I am, she informed me that Experian could not remove the address and that they could not correct my name, which is on my credit report 5 times spelled different than my DL or SSN. When trying to give her the correct address. XXXX informed me should could not remove the XXXX addresses, and I had to make contact with those creditors. I have all my documentation to prove the information is at least XXXX XXXX XXXX. Which is a violation of my Consumer Protection laws. I have supporting documentation. When trying to explain, my social security is not correctly reported or used. According to XXXX, I needed to make contact with the creditors. I explained Fraud, and they placed me on hold and then disconnected the call.

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 2025-04-09 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:
Subject : Urgent Dispute Regarding Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute the inaccurate information Experian reported on my credit file. It has come to my attention that my name, address, social security number, and other personal details are incorrect. Furthermore, Experian has been consistently updating outdated information that should have been removed due to my divorce. 

Specifically, Experian has failed to verify my correct social security number, and the telephone numbers associated with my account are inaccurate. Additionally, much of the information on my credit report dates back to XXXX, which is over XXXX XXXX XXXX and should not be affecting my current credit status. 

These inaccuracies have significantly impacted my ability to secure a home loan, a car loan, and credit cards, effectively hindering my financial well-being. As such, I demand that these erroneous entries be corrected or removed immediately to comply with Consumer Protection laws. 

If this matter is not resolved promptly, I will have to initiate legal proceedings to protect my rights and interests. 

I expect to hear back from you regarding the resolution of this dispute within the time frame stipulated by law. Please find attached the relevant documentation to support my claims. 

Thank you for your immediate attention to this serious matter. 

Please have them remove my incorrect name, telephone number, and social security number from all of the accounts. All accounts that are XXXX to XXXX XXXX XXXX must be removed ; it is a violation. Today, I tried to have them remove the information from my credit report. According to XXXX, who took the call, " You must contact the creditors to have them remove the information, which is XXXX to XXXX XXXX XXXX. 

When I tried to give her the Consumer Report number to verify who I am, she informed me that Experian could not remove the address and that they could not correct my name, which is on my credit report 5 times spelled different than my DL or SSN. When trying to give her the correct address. XXXX informed me should could not remove the XXXX addresses, and I had to make contact with those creditors. I have all my documentation to prove the information is at least XXXX XXXX XXXX. Which is a violation of my Consumer Protection laws. I have supporting documentation. When trying to explain, my social security is not correctly reported or used. According to XXXX, I needed to make contact with the creditors. I explained Fraud, and they placed me on hold and then disconnected the call.

Company response to consumer: Closed with explanation