vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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: IN

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: IN

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter.

Additionally, I request the removal of all unauthorized inquiries related to this identity theft : CREDITOR NAME : XXXX INQUIRY DATE XXXX XXXX XXXX XXXX CREDITOR NAME XXXX XXXX INQUIRY DATE XXXX XXXX XXXX XXXX CREDITOR NAME XXXX XXXX INQUIRY DATE XXXX XXXX XXXX XXXX CREDITOR NAME XXXX XXXX INQUIRY DATE XXXX XXXX XXXX XXXX CREDITOR NAME XXXX XXXX INQUIRY DATE XXXX XXXX XXXX XXXX CREDITOR NAME XXXX XXXX INQUIRY DATE XXXX XXXX XXXX XXXX CREDITOR NAME XXXX XXXX INQUIRY DATE XXXX XXXX XXXX XXXX CREDITOR NAME XXXX XXXX XXXX INQUIRY DATE XXXX XXXX XXXX CREDITOR NAME XXXX XXXX INQUIRY DATE XXXX XXXX XXXX XXXX CREDITOR NAME XXXX XXXX INQUIRY DATE XXXX XXXX XXXX XXXX CREDITOR NAME XXXX XXXX XXXX XXXX XXXX INQUIRY DATE XXXX XXXX XXXX XXXX CREDITOR NAME XXXX XXXX INQUIRY DATE XXXX XXXX XXXX XXXX CREDITOR NAME XXXX XXXX INQUIRY DATE XXXX XXXX XXXX XXXX CREDITOR NAME XXXX XXXX INQUIRY DATE XXXX XXXX XXXX XXXX CREDITOR NAME XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX CREDITOR NAME XXXX XXXX INQUIRY DATE XXXX XXXX XXXX XXXX CREDITOR NAME XXXX XXXX INQUIRY DATE XXXX XXXX XXXX XXXX CREDITOR NAME XXXX XXXX INQUIRY DATE XXXX XXXX XXXX XXXX CREDITOR NAME XXXX XXXX INQUIRY DATE XXXX XXXX XXXX XXXX CREDITOR NAME : XXXX INQUIRY DATE XXXX XXXX XXXX XXXX CREDITOR NAME XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX CREDITOR NAME XXXX XXXX INQUIRY DATE XXXX XXXX XXXX XXXX CREDITOR NAME XXXX XXXX INQUIRY DATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: MD

Complaint narrative:
UNAUTHORIZED REINSERTION OF TRUIST ACCOUNT VIOLATION OF FCRA 1681i ( a ) ( 5 ) ( B ) I am submitting this dispute concerning a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ). The following account was previously deleted from my TransUnion credit file due to identity theft and its connection to the XXXX data breach : Creditor Name : XXXX  Account Number : XXXX Balance : {$7600.00} I had submitted an FTC Identity Theft Report, and the account was properly removed from my file. However, on or about XXXX XXXX TransUnion reinserted this deleted account without providing the required written notice under the law. This action is in clear violation of : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) If any information is deleted from a consumers file and is later reinserted, the consumer reporting agency must notify the consumer in writing within 5 business days of reinsertion and must also certify the accuracy of the information. TransUnion failed to provide any such notification, nor did you provide verification or certification from the data furnisher that this account was accurate and authorized to be re-reported. I am demanding the following : Immediate removal of the above XXXX  account from my credit report. A written explanation of how this account was reinserted and whether any certification was received. Full compliance with FCRA 1681i and 1681e, assuring maximum possible accuracy and lawful reinvestigation. Failure to resolve this within 4 calendar days will result in : A complaint to the Federal Trade Commission ( FTC ) A complaint to the Office of the Attorney General in my state Consideration of legal action under FCRA 1681n and 1681o for willful or negligent noncompliance

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 2025-07-01 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 2025-07-01 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$8300.00}

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 2025-07-01 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: FL

Complaint narrative:
Account : XXXX XXXX Acct # Ending : XXXX Opened : XX/XX/XXXX Charged Off : Status shows {$22000.00} written off, but still reporting {$3600.00} past due Last Payment : XX/XX/XXXX Balance Date : XX/XX/XXXX Summary of Violations : I am demanding immediate deletion of this account due to blatant violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This account was previously disputed, yet it remains on my credit report verified without any documentation, which is a willful violation of federal law.

FCRA 609 ( a ) ( 1 ) No proof of liability, no signed contract, no original billing statements were provided. You can not verify what you can not validate.

FCRA 611 ( a ) My dispute was not properly reinvestigated. This account was marked verified without correcting the conflicting and inaccurate data.

FCRA 1681s-2 ( b ) Reporting this account as BOTH charged off and past due is legally inaccurate and misleading. Once charged off, there can be no past due balance remaining unless re-aged fraudulently.

Metro 2 Guidelines CO ( charge-off ) was marked repeatedly from XX/XX/XXXX to XX/XX/XXXX. That is a direct violation. A charge-off can only be reported ONCE not monthly.

Dispute Notation Missing Despite submitting a dispute, this account fails to reflect the mandatory Account in Dispute label. This is noncompliant with FCRA, Metro 2, and e-Oscar standards. 

Re-Aging Red Flag The account reflects a charge-off in XXXX, despite the last payment being made in XXXX, which indicates illegal re-aging to extend the 7-year reporting period.

What I Am Demanding : Permanent deletion of this account from all consumer reporting agencies ( Experian, TransUnion, Equifax, XXXX ). 

A formal response explaining how this account was verified without fulfilling any FCRA obligations.

A written statement confirming the date of first delinquency and a complete investigation log.

An immediate cease and desist of all inaccurate data furnishing.

Any continued reporting of this unverifiable tradeline will be seen as willful noncompliance under FCRA 1681n, which entitles me to damages up to {$1000.00} per violation, plus punitive damages and legal fees.

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 2025-07-01 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$610.00}

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 explanation
Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
This letter is to bring to your attention multiple hard inquiries appearing on my credit file from a company I never applied with. I did not authorize any credit applications or inquiries on those dates and have no existing relationship with that institution.

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 2025-07-01 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: PA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} INQUIRIES : 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 non-monetary relief
Consumer complaint received 2025-07-01 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: SC

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
In the Spring of last year, XXXX XXXX XXXX XXXX  XXXX  came forward with a {$4000.00} collections balance from a hospital bill from 2021. My credit score ( XXXX  and Equifax ) dropped about XXXX points because of this. I spoke with the hospital that admitted a mistake on their end ( they did not apply the insurance coverage I had at the time and I was unaware that the bill existed due to their lack of outreach. ) Eventually, the collection balance was removed completely.

For reference, I am speaking about my scores as reported via XXXX XXXX -- - My XXXX  score took note of the removal and my credit score went back up, it is currently XXXX. My Equifax score, however, never registered the removal of the balance and my score is currently at XXXX. 
I spoke with representatives at Equifax who stated they are unable to do anything about the issue, as they seem to not understand what I am asking. I feel that it is not correct that the past collection is still affecting my score, given that it was removed completely. This is affecting my livelihood and my ability to purchase a home in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: EQUIFAX, INC.
State: TN

Complaint narrative:
b'I am writing to formally dispute several unauthorized and unverified inquiries on my credit report. I did not authorize these credit pulls, and I am requesting that they be immediately removed in accordance with the Fair Credit Reporting Act (FCRA).\nI have filed an identity theft report with the Federal Trade Commission (FTC), and the reference number is XXXX I have also attached a copy of a data breach notification I received, confirming that my personal information was compromised and found on the dark web.\n\nThe following inquiries were not authorized by me and should be removed from my credit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnder the FCRA, any unverified or unauthorized inquiries must be deleted from my credit file. As these inquiries were made without my knowledge or consent, and in the context of a confirmed identity theft incident, I demand their prompt removal.\nPlease confirm in writing that these inquiries have been removed and send me an updated copy of my credit report reflecting the changesXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint because the credit bureaus and furnishers are failing to comply with the Fair Credit Reporting Act. 

I disputed multiple inaccurate and damaging items on my credit report : XXXX ( Account # XXXX ) is fraudulent and the result of identity theft. I have filed an FTC Identity Theft Report and provided it, along with my ID and proof of address, to request a block under FCRA 605B. 
XXXX ( Account # XXXX ) and XXXX XXXX ( Account # XXXX ) are reporting late payments without proper verification. The furnishers only provided generic internal documents with no signed contracts, billing statements, or detailed ledgers proving the delinquencies. This fails the requirement under FCRA 611 and 607 ( b ) for a reasonable reinvestigation and maximum possible accuracy. 

I have demanded that these inaccurate and unverifiable items be removed from my credit reports within 4 business days. The bureaus and furnishers have failed to comply, so I am requesting that the CFPB take immediate action to ensure these accounts are removed due to FCRA violations and the presence of 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 2025-07-01 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: SC

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter 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 2025-07-01 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: NY

Complaint narrative:
UPON ME REVIEWING MY CREDIT REPORTS I NOTICIED SOME ACCOUNTS THAT WERE OPENED THAT WERE NOT MINE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: NY

Complaint narrative:
UPON ME REVIEWING MY CREDIT REPORTS I NOTICIED SOME ACCOUNTS THAT WERE OPENED THAT WERE NOT MINE

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