vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 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:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I am writing to formally dispute the following information on my credit report, which I obtained from your agency. The information I am disputing is inaccurate and incomplete, and I request that it be investigated and corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). Under the Fair Credit Reporting Act, Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. I am requesting that you conduct a reinvestigation of this matter and delete or correct the disputed item as appropriate. 
Please complete your reinvestigation within the required 30 days from the date you receive this letter. Upon completion please provide me with written confirmatinn of the outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion LLC Consumer Dispute Center, XXXX XXXX XXXX XXXX XXXX XXXXSubject: Dispute of Fraudulent Information Under 15 U.S. Code  1681c-2 (Identity Theft)XXXXTo Whom It May Concern,\n\nI am writing to formally dispute and request the immediate blocking of fraudulent information on my credit report in accordance with 15 U.S. Code 1681c-2, which provides protections for victims of identity theft.\n\nI am a victim of identity theft, and certain items on my credit report do not relate to any accounts I have opened or authorized. In accordance with federal law, I am requesting that XXXX  block the reporting and future furnishing of this information. Below is a list of the fraudulent items that must be removed:\n\nDisputed Accounts:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEnclosed are the required documents to support my dispute, as required under 15 USC 1681c-2:\n1.A copy of my government-issued photo ID\n2.A police report or identity theft report (as defined under 15 USC  1681a(q))\n4.A statement explaining that the information listed above resulted from identity theft\n\nUnder 15 USC  1681c-2, you are legally obligated to block this information within 4 business days of receiving my request and documentation. Please confirm in writing that the requested accounts have been removed and will not be reinserted into my credit file.\n\nThank you for your prompt attention to this matter. Please send all future correspondence related to this dispute to the address listed above.\n\nSincerelyXXXX 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 2025-06-26 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-26 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 XXXX 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 - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$740.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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 submitting a formal legal complaint supported by attorney documentation due to TransUnions failure to remove clearly fraudulent accounts and unauthorized inquiries despite identity theft evidence and an FTC Identity Theft Report. Two duplicate XXXX XXXX XXXX accounts ( both opened XX/XX/year> ), along with a XXXX XXXX account and several unauthorized hard inquiries, remain on my file. I provided my ID, police report, and breach confirmation. TransUnion has not complied with its legal duty to block these accounts under FCRA 605B. I am requesting permanent deletion and confirmation these items will not be reinserted.

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 2025-06-26 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: NV

Complaint narrative:
FORMAL DISPUTE COLLECTION ACCOUNTS REPORTING IN VIOLATION OF FEDERAL LAW To Whom It May Concern, I am writing to formally dispute several inaccurate, incomplete, and/or unverifiable collection accounts appearing on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). These accounts must be permanently deleted if you can not provide verifiable documentation proving their accuracy and completeness. ACCOUNTS IN DISPUTE : XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX LEGAL VIOLATIONS : Under the FCRA 611 [ 15 U.S.C . 1681i ], you are required to : - Conduct a reasonable reinvestigation within 30 days, - Delete or correct any information that is inaccurate, incomplete, or unverifiable, - Provide the method of verification, including the name, address, and evidence used by the furnisher. Furthermore, under FCRA 623 [ 15 U.S.C. 1681s-2 ], furnishers of information have a duty to investigate disputed data and cease reporting if they can not validate the information. If you continue to report these accounts without verification, it constitutes a willful violation of FCRA 616 & 617, for which I reserve the right to pursue legal remedies. DEMAND FOR ACTION : I DEMAND : - Immediate permanent deletion of these accounts if verification can not be completed ; - Written confirmation of the results within 30 days ; - Copies of any documents used to verify each disputed account, including signed contracts and itemized statements ; - These accounts to be marked as disputed by consumer during the investigation period. If you fail to comply, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, and may seek legal action for damages under FCRA. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: NV

Complaint narrative:
FORMAL DISPUTE COLLECTION ACCOUNTS REPORTING IN VIOLATION OF FEDERAL LAW To Whom It May Concern, I am writing to formally dispute several inaccurate, incomplete, and/or unverifiable collection accounts appearing on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). These accounts must be permanently deleted if you can not provide verifiable documentation proving their accuracy and completeness. ACCOUNTS IN DISPUTE : XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX LEGAL VIOLATIONS : Under the FCRA 611 [ 15 U.S.C . 1681i ], you are required to : - Conduct a reasonable reinvestigation within 30 days, - Delete or correct any information that is inaccurate, incomplete, or unverifiable, - Provide the method of verification, including the name, address, and evidence used by the furnisher. Furthermore, under FCRA 623 [ 15 U.S.C. 1681s-2 ], furnishers of information have a duty to investigate disputed data and cease reporting if they can not validate the information. If you continue to report these accounts without verification, it constitutes a willful violation of FCRA 616 & 617, for which I reserve the right to pursue legal remedies. DEMAND FOR ACTION : I DEMAND : - Immediate permanent deletion of these accounts if verification can not be completed ; - Written confirmation of the results within 30 days ; - Copies of any documents used to verify each disputed account, including signed contracts and itemized statements ; - These accounts to be marked as disputed by consumer during the investigation period. If you fail to comply, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, and may seek legal action for damages under FCRA. Sincerely, 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 2025-06-26 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: CA

Complaint narrative:
This letter serves as formal notice that I am challenging your continued reporting of the above-referenced account, which reflects inaccurate, unverifiable, and misleading information. You have now had ample opportunity to correct this account, and your failure to do so amounts to willful noncompliance under federal law.

Let me be clear this account is in dispute due to gross inaccuracies tied to a bankruptcy that you have failed to verify or report consistently. The same account has already been deleted by other credit bureaus, which proves that your version of the data is unreliable, incomplete, and in violation of Metro 2 compliance standards as outlined by the XXXX. 

You are reporting : Outdated balance and status Inaccurate payment history Conflicting bankruptcy data Included in Bankruptcy despite resolution and deletions by other CRAs Yet, youve failed to provide any legally valid documentation proving the accuracy of this account, the permissible purpose for its inclusion ( FCRA 1681b ), or your right to continue reporting it under FCRA 1681s-2.

Additionally, your failure to notify me within five business days of any reinsertion ( per FCRA 1681i ( a ) ( 5 ) ( B ) ) further confirms you are not complying with federal guidelines. These errors are not harmless they are intentional, reckless, and damaging to my consumer rights.

Per 15 U.S.C. 1681e ( b ), you are obligated to report data that is complete and 100 % accurate. Your reporting fails this test. You are also in violation of : Truth in Lending Act ( 15 U.S.C. 1666 ) FCRA 1681n and 1681o Willful and Negligent Noncompliance Metro 2 Reporting Guidelines Data Integrity Violations This is your final notice : I am not requesting a correction. I am demanding permanent deletion.

If you continue reporting this unverifiable and inaccurate account, I will take immediate legal action and include this letter as evidence of your ongoing negligence and willful misconduct.

You must DELETE this account permanently, not mark it as updated. You have no legal standing to keep reporting this data.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I entered the Fourbance program in XX/XX/XXXX because I was a victim of Hurricanes Milton and Helene in Florida. I am currently continuing with the Fourbance program, and my mortgage company, XXXX XXXX, even though they knew the Fourbance program can not report late payments. They did so. The late payments were reported to TransUnion in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/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 non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On XX/XX/year> - JPMorgan Chase closed all the personal ( 5 ) and business ( 3 ) credit cards total 8. They also sent a letter that explained it was due to " Too many requests for credit or reviews of credit ''. However, when I called Chase to inquire further details, they stated it was due to " fraud activity '' on the account. I explained that I have all the cards with me and don't see any fraud activity. Chase insisted that all the credit cards are closed and they can not help me. Also, I can not access any my Chase XXXX XXXX  balance. I requested to transfer out all my Chase XXXX XXXX total XXXX. Unfortunately, Chase denied and didn't offer any reasons. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account 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
Consumer complaint received 2025-06-26 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: CA

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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$910.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$770.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$00.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$9600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$4200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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:
This complaint is being filed to request that Experian block and remove fraudulent information from my consumer credit report in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). Under this provision, Experian is required to block such information within four ( 4 ) business days of receiving this notice. 



The information in question includes multiple unauthorized accounts and hard inquiries that were made without my knowledge or consent, and are the direct result of identity theft and fraud. The following accounts are fraudulent and must be deleted from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX With of Balance {$300.00} Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX With of Balance {$0.00} Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - With of Balance {$150.00} Account XXXX Also there were fraudulent addresses which are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of the above accounts and inquiries are not mine. To support my claim, I have attached a copy of my FTC Identity Theft Report ( Criminal Complaint # XXXX ) filed with the U.S. Federal Trade Commission, which affirms these items as fraudulent.

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