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: NY

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
To Whom It May Concern, This letter serves as a formal follow-up dispute concerning the XXXX account listed on my credit report. I have previously disputed this account due to multiple inaccuracies and legal violations, yet TransUnion has continued to report it improperly. Please be advised : 1. No Written Authorization : At no time have I provided XXXX or any third party written consent to report information about this account to any consumer reporting agency. This violates the FCRAs requirement that data sharing be lawful and authorized. 
2. No 1099-C Issued : The account has long been reported as a charge-off, yet I have not received a Form 1099-C ( Cancellation of Debt ). If this is truly a charged-off debt, this omission raises potential IRS compliance concerns.

3. Inaccurate Reporting History : The data associated with this account has been inconsistently and inaccurately reported, including potential re-aging and improper status updates. These actions are in direct violation of FCRA Sections 1681s-2 ( a ), 1681s-2 ( b ), and 1681c. 

Because TransUnion has failed to correct or delete the inaccurate information after previous disputes, I have already filed a complaint with the Consumer Financial Protection Bureau ( CFPB ). If this account is not immediately removed, I will escalate this matter further to include legal counsel, the Federal Trade Commission ( FTC ), and the Internal Revenue Service ( IRS ) for investigation into the absence of the required tax documentation. 

I demand the immediate and permanent deletion of this account from my credit file. Please confirm in writing within 15 days of receipt of this letter.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: TX

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

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: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Notified XXXX XXXX that my identity was stolen and to place a fraud alert on all three credit bureau 's on XXXX. I received notification that XXXX XXXX ran my credit for an auto loan on XXXX and a hard inquiry on XXXX. On XXXX, I pulled a credit report from all three credit bureau 's and was told by XXXX to call XXXX XXXX and notify them as well. I notified XXXX XXXX and they showed no record of any auto loan being applied for and did not see a credit inquiry for XXXX. I disputed with all three credit bureau 's. Equifax notified me today, XXXX that the credit inquiry was valid and would stay on my account for XXXX years. In the dispute I did explain the identity theft and fraud, sent a police report, and FTC complaint. Equifax is refusing to remove from credit report.

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: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Notified XXXX XXXX that my identity was stolen and to place a fraud alert on all three credit bureau 's on XXXX. I received notification that XXXX XXXX ran my credit for an auto loan on XXXX and a hard inquiry on XXXX. On XXXX, I pulled a credit report from all three credit bureau 's and was told by Experian to call XXXX XXXX and notify them as well. I notified XXXX XXXX and they showed no record of any auto loan being applied for and did not see a credit inquiry for XXXX. I disputed with all three credit bureau 's. XXXX  notified me today, XXXX that the credit inquiry was valid and would stay on my account for XXXX years. In the dispute I did explain the identity theft and fraud, sent a police report, and FTC complaint. XXXX  is refusing to remove from 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 2025-05-02 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: SC

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of 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.

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 information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am filing a complaint against my Creditor reporting a late payment on my credit report ending Account [ XXXX ] that are inaccurate and not properly verified. I have disputed this account with the Creditor and credit bureaus as well. but the late payments remain without proper validation or documentation Under 15 USC 1681S2 a furnisher must report accurate information under 15 USC 1681 I the credit bureaus must preform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative reporting I started this journey in trying to fix this problem from XX/XX/year> but Capital One responded by stating they can not remove the late payments from my credit report. I went further to dispute the late payments with the credit buearus and the response was verified. I have included my letters an, tracking numbers and credit bureaus 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Earlier in 2025, I disputed an account from XXXXComenity/Zales Credit Card that appears on my credit report as charged off with a {$2200.00} balance. The account now shows a {$0.00} balance and includes a comment stating it was 'purchased by another lender. ' However, XXXX XXXX XXXX is also reporting this same debt as an active collection account with the same original balance. 
This results in the same debt being reported twiceonce by the original creditor and once by the collection agencycreating a duplicate negative impact on my credit report. I requested that the original creditor 's reporting be removed or corrected. However, the credit bureau only updated the account, and the duplicate reporting issue was not resolved. I believe this situation violates the Fair Credit Reporting Act, as it misrepresents my credit history and causes unfair harm. I am requesting that the original XXXX/Comenity/Zales entry be removed from my credit file since the debt is now fully represented by XXXX XXXX XXXX. 
Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After being notified that I was a victim of identity theft and the equifax data breach I reviewed a copy of my consumer report and I noticed a account that if the result of fraudulent activity per fcra section 605b and 15 usc 1681c2 please block and or delete this fraudulent account within XXXX business days thank you XXXX XXXX XXXX XXXX Amount {$1100.00}

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX 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 2025-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MN

Complaint narrative:
On XXXX my loan was transferred to MOHELA with a balance of {$42000.00} and was enrolled into the XXXX repayment plan. On XX/XX/XXXX a payment of {$56.00} was made, and no interest had been accrued, nor has it been due to the legal standing and 0 % interest forbearance of the XXXX plan ; therefore, the balance was {$42000.00}. 

MOHELA, as of today XX/XX/XXXX has my balance as {$43000.00} with no cause for the increase. They are changing my loan balance, and from a quick XXXX search, many others, to be higher than they should be. 

This is illegal and needs action immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. 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 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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) have been sold to third-party debt collectors, yet they are still being reported under the original creditors ' names. This is misleading and inaccurate reporting in violation of the Fair Credit Reporting Act ( FCRA ). I have previously disputed these accounts, and no corrective action was taken. 

This continued misreporting has caused ongoing financial harm, emotional distress, and has negatively impacted my credit score and life. I am now demanding {$50000.00} in damages due to the continued harm caused. If this is not resolved and the inaccurate data is not permanently deleted from my credit report within 30 days, I will be filing a lawsuit for {$350000.00}. If the accounts are ever reinserted again after deletion, I will escalate the lawsuit for XXXX XXXX due to willful and repeated violations. 

I expect full deletion of these accounts and for them never to reappear on any of my credit reports.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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: WI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I never sign or did any business with XXXX XXXX XXXX. Today I got a email informing me that my credit score dropped XXXX points and I have a late payment on my credit report for a account I never signed up for. I clicked the account and seen that it was opened up in XXXX of XXXX. I want a copy of a sign contract and payment history. XXXXXXXX XXXX XXXX is scamming individuals and ruining folks lives.

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: EQUIFAX, INC.
State: SC

Complaint narrative:
This account represents a fraudulent rental agreement that was opened without my authorization or consent. Under Section 605B of the FCRA, I am demanding the immediate removal of this fraudulent account from my credit report. 
As this is a clear case of identity theft, I request that you investigate this matter and delete the account within 4 days of receipt of this dispute, as required by law. Attached are copies of my identification and any supporting documents to substantiate this claim. 
Please confirm in writing that this account has been removed from my credit report. If you do not resolve this dispute within 4 days, I will escalate this matter to the Federal Trade Commission and other authorities as necessary. 
Thank you for your prompt attention to this urgent matter.

Company response to consumer: Closed with explanation