vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 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:
I am writing to dispute the inaccurate information on my credit report acquired by TransUnion. This letter is for the purpose to invoke my rights under the Fair Credit Reporting Act ( FCRA ) 15USC 1681i, which obligates you to provide me with the procedures you used to verify the information on my credit report.

If you can not verify the accuracy of the disputed items, they must be deleted from my credit report right away.

Additionally, under the Gramm-Leach-Bliley Act ( 15 USC 6802 ) I have an essential right to privacy regarding my financial information. Also. 15 USC 1681 ( 4 ) under the FCRA highlights the importance of maintaining the accuracy and privacy of consumer credit information.

No permissible purpose, as shown in 15 USC 1681b ( 2 ), has been established for TransUnion to maintain a credit report on my behalf. TransUnion has neither my permission nor a valid permissible purpose to supply a credit report containing my personal information. The absence of such permissible purpose makes the presence of this information a violation of my privacy rights.

Additionally, 18 USC 1028a addresses identity theft and its associated penalties, highlighting that identity theft is a serious crime.

The unauthorized acquisition and use of my personal information is a criminal act and violates principles of privacy and consumer protection.

Under 15 USC 1681c-2, credit reporting agencies are required to block information that results from identity theft. The transactions in question were not conducted by me. If my information has been compromised due to identity theft, I expect TransUnion to take all necessary action to correct and block this information as ordered by law.

l from now on request a formal investigation into my dispute and the removal of any incorrect information from TransUnion 's records if it is determined that no permissible purpose exists for maintaining this information. I expect TransUnion to comply with the FCRA, 18 USC 1028a, and 15 USC 1681c-2 to fix any issues related to identity theft.

Please provide me with a written response to this dispute within 30 days, with detail on any action taken to correct the inaccuracies on my credit report, along with the results of your investigation, If my report is not corrected or removed in accordance with the law, I will take legal 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 non-monetary relief
Consumer complaint received 2025-10-17 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: SC

Complaint narrative:
I am submitting this formal complaint against the following creditors and credit reporting agencies for the inclusion of inaccurate, misleading, and unverifiable information on my credit report. These entries are causing harm to my creditworthiness, and they are in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Disputed Items : Wrong Address Reporting XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Incorrect/Unverified Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Address I have never lived at nor used these addresses. Reporting such incorrect addresses is a violation of FCRA accuracy requirements and creates confusion regarding my identity. 

Inaccurate Account Reporting XXXX XXXXXXXX Account XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Reported Status : Late Payment This account shows a {$0.00} balance, yet it is incorrectly marked as Late Payment. Reporting a late payment on an account with no balance is false, misleading, and unverifiable. 

XXXX XXXX XXXX Account XXXXXXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$490.00} | Status : Collection This debt is reported as a collection but is unverified and inaccurate. XXXX has failed to provide validation of this alleged debt, as required under the Fair Debt Collection Practices Act ( FDCPA ) and FCRA. 

Violations These inaccuracies violate the FCRA 602 ( A ), 607 ( B ), and 609 ( A ) by reporting incomplete and unverifiable information.

Reporting of false late payments and unverifiable collections has caused significant damage to my credit profile and financial standing.

Requested Relief I am demanding the following corrective actions : Immediate deletion of the wrong addresses from my credit file. 

Removal of the inaccurate XXXX XXXX late payment entry. 

Full deletion of the unverifiable XXXX XXXX collection account. 

Written confirmation of these corrections within 30 days of receipt of this complaint. 

Failure to correct these violations will leave me no choice but to escalate this matter further, including but not limited to filing formal complaints with the FTC, State Attorney Generals Office, and considering legal remedies for damages caused.

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 2025-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Issue Type : Billing dispute / incorrect charges/ inaccurate credit reporting What happened : My Macys XXXX XXXX account ( ending XXXX ), issued by Citibank, has been miscalculated since XX/XX/year>. Duplicate or inflated minimum payments caused improper late fees, inaccurate balance calculations, and wrongful penalty interest charges. I have paid consistently and communicated multiple times to Citibank about these issues. 

Despite sending a certified Pre-Arbitration Claim Notice on XX/XX/year>, and follow-up emails to XXXX, Citibank has not responded or corrected the account. Instead, my minimum payment amounts have nearly doubledfrom about {$660.00} in XXXX to over {$2100.00} in XXXX additional late payments have been reported to credit bureaus even while the account is under active dispute.

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 2025-10-17 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: CA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-17 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:
15 USC 1692d 806. Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) 1 of this title.

( 4 ) The advertisement for sale of any debt to coerce payment of the debt.

( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the caller 's identity, I have recorded calls of XXXX XXXX calling all times more than seven times within a week and then telling me they will continue the calls I actually got into a disagreement with one associate the calls are recorded they are calling on behalf of XXXX XXXX XXXXXXXX Original Creditor I demand the bureaus respect the laws and remove this account from my credit report because laws have been broken and next step is to sue

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-10-17 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 2025-10-17 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: IL

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 2025-10-17 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: SC

Complaint narrative:
I am writing to formally file a complaint regarding multiple inaccuracies on my credit report maintained by the major credit reporting agencies, as well as unauthorized inquiries that have negatively impacted my creditworthiness. Despite my previous attempts to resolve these issues directly with the involved creditors, these inaccuracies remain uncorrected. 

The specific issues are as follows : Incorrect Address Listings : XXXX XXXX XXXX, XXXX, SC, XXXX Incorrect on report XXXX XXXX XXXX XXXX XXXX, SC, XXXX Incorrect on report Inaccurate Account Reporting : XXXX XXXXXXXX, Account Number XXXX : Reported as Charge Off with a balance of {$200.00}, opened on XX/XX/XXXX. This account information is incorrect. 

Unauthorized Credit Inquiries : 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 XXXXXX/XX/XXXX These inquiries were made without my consent and constitute violations of the Fair Credit Reporting Act ( FCRA ). 

I request that the CFPB investigate these matters and compel the reporting agencies and creditors to : Correct or remove all inaccurate account information. 

Remove all unauthorized inquiries from my credit file. 

Provide written confirmation once these actions have been taken. 

I am attaching copies of relevant documentation, including proof of my correct address, account statements, and identification, to substantiate my claims. 

These inaccuracies and unauthorized inquiries have caused undue stress, potential damage to my XXXX XXXX, and possible financial harm. XXXX action is warranted to protect my rights under federal 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 2025-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MiraMed Revenue Group LLC
State: GA

Complaint narrative:
I asked to dispute debt on my name because Im doing an investigation on wrongfully charged bills. They denied the dispute and then I asked for Debt validation letter and they said they do not owe my debt. To which I do not trust the source of debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX * Formal Dispute of Inaccurate Late Payment Reporting under the Fair Credit Reporting Act ( FCRA ) I am writing to formally dispute inaccurate information being reported on my Equifax credit report. The account in question is listed as : * * * Creditor Name : * * [ Insert creditor name from your report ] * * * Account Number ( partial ) : * * XXXXXXXX XXXX XXXX XXXX Account Type : * * Secured Installment Loan * * * Date Opened : * * XX/XX/year>XXXX XXXX XXXX XXXX Status : * * Paid and Closed In my previous dispute, I informed Equifax that a * * 30-day late payment * * was being inaccurately reported. Instead of correcting or removing the error, Equifax updated the account to reflect a * * 60-day late payment * *, which is incorrect and constitutes a violation of federal law.

This account was * * paid as agreed and closed in good standing * *, as reflected in the PAYS_AS_AGREED and PAID_AND_CLOSED status fields. The payment history being reported is inconsistent with the verified account records and misrepresents my payment behavior. 

Under the * * Fair Credit Reporting Act ( FCRA ) * *, I am exercising my rights under : * * * 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : * * Reinvestigation of disputed information requiring consumer reporting agencies to conduct a reasonable reinvestigation to determine whether disputed information is accurate.

* * * 15 U.S.C. 1681e ( b ) : * * Compliance procedures mandating that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy of information in consumer reports.

you have failed to ensure accuracy and has instead introduced an additional inaccuracy by changing the status from 30 days late to 60 days late without verified documentation. This error has caused unjustified harm to my credit standing.

I am requesting that you 1. * * Remove all inaccurate late payment entries ( 30-day and 60-day ) from this account. * * 2. * * Update the account to reflect its correct standing Paid as Agreed / Never Late. * * 3. Provide me with written confirmation of these corrections once completed.

If the investigation determines that you can not verify the accuracy of the late payment with proper documentation from the original creditor, the disputed information must be * * deleted immediately * * in compliance with * * 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) * *.

Please complete your reinvestigation within the required * * 30-day timeframe * * and send me an updated copy of my credit report reflecting the corrected information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: NC

Complaint narrative:
I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 

ACCOUNTS : 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation