vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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: PA

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which has negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equitax data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX. ) Account Name : XXXX Account XXXX : {$430.00} Date Opened:1XX/XX/XXXX XXXX. ) Account Name : XXXX Account Balance : {$320.00} Date Opened:XX/XX/XXXX XXXX. ) Account Name : XXXX XXXX XXXX Account Balance : {$370.00} Date Opened:XX/XX/XXXX XXXX. ) Account Name : XXXX XXXX XXXX Account Balance : XXXX Date Opened:XX/XX/XXXX INCORRECT ADDRESSES LISTED : XXXX. ) XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. ) XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX INCORRECT NAMES LISTED 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 non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion and Experian credit reporting agency , 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. 
I am filing this FTC Identity Theft Affidavit to report a fraudulent accounts appearing on my consumer FICO TRANSUNION and EXPERIAN credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card account opened at XXXX XXXX XXXX  in XX/XX/year> under account number XXXX. 
These accounts have resulted in Several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my pursuant to my rights within the FCRA and FDCPA laws. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-04-23 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 
I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible 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 non-monetary relief
Consumer complaint received 2025-04-23 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: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving in accurate or unverifiable accounts and unresolved The consumer financial protection Bureau ( CFPB ) has recently filed a lawsuit lawsuit against Experian alleging systemic issues, such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately, notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items Despite the evidence I provided, Causing ongoing harm to my credit standing. I am requesting immediate, corrective action to remove or amend the disputed accounts, as Experian inaction, violates federal law and my rights as a consumer.

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 2025-04-23 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: TX

Complaint narrative:
Contract with signatures from both parties per contract law and validation of debt per fdcpa. NOT RANDOM DOCUMENTS.... that is FRAUD. Contract with signatures of the company requesting payment and my name.

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 2025-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FISERV FINXACT CORE
State: IA

Complaint narrative:
Telecheck has denied myself from writing checks on my business account as I received notification from XXXX of a declined check by Telecheck. I have not wrote a bad check in years and all of my checks were settled. If Telecheck continues dealing my checks I will take legal action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: CA

Complaint narrative:
I am submitting this complaint against TransUnion for failing to properly investigate and validate an alleged debt reported by XXXX XXXX XXXX XXXX ( XXXX ). I have no contractual or financial relationship with XXXX and have repeatedly requested that TransUnion : 1. Provide a detailed account history showing all transactions, payments, credits, and concessions related to the alleged debt. 
2. Furnish the original contract or agreement that supposedly created the debt obligation, cross-referenced to account history re : transactions payments, and credits 3. Disclose the specific steps TransUnion took to verify the accuracy of the information reported by XXXX. 

TransUnion has failed to respond appropriately or provide this information. Their continued reporting of this unverified and potentially erroneous debt violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), which requires consumer reporting agencies to conduct a reasonable reinvestigation when a dispute is filed. 

This lack of due diligence and transparency is negatively affecting my credit score and has impaired my ability to obtain favorable terms on small business financing.

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 2025-04-23 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:
DO YOUR JOB! You have XXXX rights or time left to reinvestigate. You failed to uphold the law when you let XXXX continually " update '' my account inaccurately and stopped holding them accountable. It is CLEAR cards appearing are CORPORATE ACCOUNTS under XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is XXXX to do with me XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX correct? Yes, I proved it in last disputes, they even agreed its a KNOWN federal issue of the error. NEXT, you let them keep closed and charged off accounts on my report with a balance like you did with XXXX. This is a charge off? you let them update it with XXXX lawfulness. Are charge off accounts not supposed to have a XXXX balance becausethey are considered paid due to the TAX WRITE OFF? So how is this showing inaccurate STILL & don't they have to Notify me BEFORE REPORTING so i have time to dispute?? .where and when did they send the notification for me to clear up the account before the issue and doesn't it have to be done through mail legally show me tracking with time stamps of delivery? And it is a collection of a debt so thats a violationof my privacyto contact me ANYOTHER WAY. XXXX is reporting transactions isn't that something that's a " may '' not a must and doesn't the reporting need to be the same amongst all reports and are they not inaccurately reporting the open date closed dates balances and " paid '' on time transactions? It looks like I got the loans with XXXX good history did my other disputes not show that clearly. YOU GUYS HAVE OPEN lawsuits for a reason you aren't doing your job. It's been over 45 days you have XXXX time to fix it remove the accounts or prove me wrong using law showing me ALL transactions agreements and payment history along with account ownership PROOF which is a burden on you now PLUS tell me how these reports are all updated the same day with completely different information. I'm trying to get a home and car and get denied over and over now o want to take legal actions

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 2025-04-23 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: PA

Complaint narrative:
I need your help investigating several accounts that have been wrongly marked with late payments by certain companies. I checked my credit report and saw inaccurate late payment entries on specific accounts. These should not be there. I request that you delete those remarks and update the accounts to reflect paid as agreed.

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 2025-04-23 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: PA

Complaint narrative:
I need your help investigating several accounts that have been wrongly marked with late payments by certain companies. I checked my credit report and saw inaccurate late payment entries on specific accounts. These should not be there. I request that you delete those remarks and update the accounts to reflect paid as agreed.

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 2025-04-23 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: PA

Complaint narrative:
Please take action to block and delete the unauthorized accounts from my credit report at your earliest convenience. I have no knowledge of these accounts, nor did I approve their creation. In compliance with USC 1681g, I am requesting they be removed within 15 days. Enclosed are documents for your evaluation. Its important to note that each bureau is reporting different and inaccurate details for the same accounts.

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 2025-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Nelnet, Inc.
State: PA

Complaint narrative:
Formal Dispute of Multiple Inaccurate Accounts Pursuant to 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) Dear Sir or Madam, I am writing to formally dispute multiple inaccurate accounts appearing on my credit report, specifically those associated with DEPTEDNELNET XXXX XXXX XXXX. These inaccuracies are serious and must be corrected or deleted in compliance with the Fair Credit Reporting Act ( FCRA ). 

The specific accounts and issues are as follows : All DEPTEDNELNET XXXX XXXX XXXX accounts listed report an impossible " Date Closed '' of XX/XX/XXXX. 
Each account is marked " Account Closed '' but simultaneously reports the " Account Status '' as " Open, '' which is contradictory and misleading. 
Several accounts are missing, incomplete, or inconsistent regarding the credit limit information. 
The opened dates range from XXXX to XXXX, making the listed XXXX closure date a clear inaccuracy. 
These inaccuracies violate my rights under : 15 U.S.C. 1681e ( b ) : Mandating that consumer reporting agencies maintain maximum possible accuracy of reported information. 
15 U.S.C. 1681i ( a ) : Requiring a reasonable reinvestigation of disputed information and deletion of unverifiable or inaccurate data. 
Requested Action : I formally demand that you : Immediately investigate and verify all information regarding these DEPTEDNELNET XXXX XXXX XXXX accounts. 
Correct all inaccurate information ( specifically closure dates, account statuses, and missing/incomplete account details ). 
Remove any unverifiable or inaccurate accounts that can not be corrected within the statutory period. 
Provide written results of your investigation and an updated copy of my credit report, free of charge. 

If these errors are not corrected or removed within the 30-day period allowed under the FCRA, I will pursue additional remedies available to me, including but not limited to submitting complaints to the Consumer Financial Protection Bureau ( CFPB ), State Attorney General, and other applicable authorities.

Thank you for your prompt attention to this matter. I expect full compliance and timely resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: CA

Complaint narrative:
I have reported identity theft and fraud and transunion has cease to take the prompt action to have all accounts removed. By law it is my right to have all items deleted I deem unrecognizable or fraudulent. Transunion has failed to comply. I would like for each and every listed account removed from my reports immediately. And blocked access to my personal report or information.

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 2025-04-23 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:
XXXX XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX InquiryXXXX XXXX XXXX InquiryXXXX XXXX InquiryXXXX XXXX InquiryXXXX  XXXX XXXX XXXX InquiryXXXX XXXX XXXX XXXX XXXX InquiryXXXX XXXX InquiryXXXX DEPT OF ED InquiryXXXX XXXX XXXX XXXX InquiryXXXX XXXX XXXX XXXX InquiryXXXXXXXX XXXX InquiryXXXX XXXX XXXX InquiryXXXX XXXXXXXX InquiryXXXX XXXX XXXX XXXX InquiryXXXX XXXXXXXX InquiryXXXX XXXX InquiryXXXX  XXXX XXXX InquiryXXXX XXXX XXXXXXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries 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 explanation
Consumer complaint received 2025-04-23 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: AL

Complaint narrative:
Several companies have improperly used my information with my permission to report several different acct to my credit report. 
XX/XX/XXXX for the amount of XXXX XX/XX/XXXX for the amount of {$140.00} XX/XX/XXXX for the amount {$490.00} XX/XX/XXXX for the amount of {$2100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: AL

Complaint narrative:
Several companies have improperly used my information with my permission to report several different acct to my credit report. 
XX/XX/XXXX for the amount of XXXX XX/XX/XXXX for the amount of {$140.00} XX/XX/XXXX for the amount {$490.00} XX/XX/XXXX for the amount of {$2100.00}

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