vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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: NM

Complaint narrative:
I am requesting a reinvestigation into multiple items appearing on my credit report, as they are either fraudulent or inaccurately reported. Several accounts listed are not mine. I did not authorize, open, or benefit from them. These items appear to be fraudulent, and I have not received any disclosures, billing statements, or signed agreements as required under the Truth in Lending Act ( TILA ) and the Fair Credit Billing Act ( FCBA ). Under the Fair Credit Reporting Act ( FCRA ) 611, I request a detailed reinvestigation and disclosure of the verification process, including the identity of the furnisher.

Additionally, an active account is being reported with a late payment status, which is factually incorrect. I have made timely payments, and this inaccurate reporting violates FCRA 623 and the DoddFrank Acts prohibition against deceptive practices. This negative reporting misrepresents my creditworthiness and causes substantial harm.

I request a manual, factual-based reinvestigation, not an automated E-OSCAR response. Under FCRA and CFPB guidelines, furnishers and credit bureaus are required to conduct a reasonable investigation and correct or delete inaccurate information. I expect updated reporting and full compliance with the legal timeframes outlined in 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 non-monetary relief
Consumer complaint received 2025-05-28 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: TX

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-28 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: IL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY 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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is a formal request for the removal of fraudulent accounts that appeared after a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), block and delete these accounts within 4 days : 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  NY XXXX Please delete and block the following accounts from my credit report Accounts BANKCRUPTCY - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$00.00} BANKCRUPTCY - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} Inquiries XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : 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 explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
* * 15 U.S.C. 1681 * * is a section of the * * United States Code * * that establishes the * * Fair Credit Reporting Act ( FCRA ) * *. This law is part of * * Title 15 Commerce and Trade * *, and it governs the collection, dissemination, and use of consumer credit information.

# # # Key Points of 15 U.S.C. 1681 ( FCRA ) : * * * Purpose * * : To ensure * * accuracy, fairness, and privacy * * of consumer information contained in the files of credit reporting agencies.

* * * Applies to * * : * * * Credit reporting agencies * * ( e.g., Equifax, Experian, TransUnion ) * * * Users of credit reports * * ( e.g., lenders, landlords, employers ) * * * Furnishers of information * * to credit bureaus ( e.g., banks, creditors ) * * * Rights Given to Consumers * * : * The right to * * access their credit reports * *.

* The right to * * dispute inaccurate or incomplete information * *.

* The right to be * * notified of adverse actions * * taken due to credit report contents.

* The right to * * place fraud alerts * * or * * credit freezes * * on their files.

* Limitations on the * * use of credit reports * * for employment and other purposes.

* * * Obligations of Credit Reporting Agencies * * : * Must follow * * reasonable procedures * * to ensure accuracy.

* Must * * investigate disputes * * in a timely manner.

* Must * * delete or correct inaccurate, incomplete, or unverifiable information * *.

* * * Enforcement * * : * Enforced by the * * Federal Trade Commission ( FTC ) * *, * * Consumer Financial Protection Bureau ( CFPB ) * *, and * * state attorneys general * *.

* Consumers may also bring * * private lawsuits * * for violations.

If you need help with a specific subsection of 1681 ( like 1681a, 1681b, etc. ), let me know and I can explain that in more detail.

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 2025-05-28 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: TX

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my 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 non-monetary relief
Consumer complaint received 2025-05-28 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: EQUIFAX, INC.
State: NM

Complaint narrative:
I am requesting a reinvestigation into multiple items appearing on my credit report, as they are either fraudulent or inaccurately reported. Several accounts listed are not mine. I did not authorize, open, or benefit from them. These items appear to be fraudulent, and I have not received any disclosures, billing statements, or signed agreements as required under the Truth in Lending Act ( TILA ) and the Fair Credit Billing Act ( FCBA ). Under the Fair Credit Reporting Act ( FCRA ) 611, I request a detailed reinvestigation and disclosure of the verification process, including the identity of the furnisher.

Additionally, an active account is being reported with a late payment status, which is factually incorrect. I have made timely payments, and this inaccurate reporting violates FCRA 623 and the DoddFrank Acts prohibition against deceptive practices. This negative reporting misrepresents my creditworthiness and causes substantial harm.

I request a manual, factual-based reinvestigation, not an automated E-OSCAR response. Under FCRA and CFPB guidelines, furnishers and credit bureaus are required to conduct a reasonable investigation and correct or delete inaccurate information. I expect updated reporting and full compliance with the legal timeframes outlined in FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I filed a dispute previously on XXXX XXXX  XXXX XXXX Account Number XXXX XXXX XXXX  XXXX XXXX Account number XXXX due to fraudulent inaccurate information being reported. I was recently notified that CFPB has filed a lawsuit against this company Experian. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. These accounts was deleted before then placed back on my report without proof of debt validation with my signature. 
Experian has yet to remove accounts. I'm requesting this derogatory remark be removed immediately as it's affecting my chances of getting. Experian violates my rights as a consumer, as well as federal 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 2025-05-28 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-28 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: NY

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: SC

Complaint narrative:
I am disputing inaccurate or outdated information on my credit report related to accounts with XXXX XXXX ( XXXX XXXX ) and XXXX  XXXX XXXX. I submitted a dispute to Experian, TransUnion, and Equifax on [ insert date you originally sent it ], including documentation from the XXXX XXXX XXXX XXXX XXXX  and Workforce verifying my COVID-related hardship.Despite submitting this documentation, the credit bureaus have failed to remove or properly investigate these items within the 30-day window as required by the Fair Credit Reporting Act ( FCRA ). I have not received a proper response or explanation. The continued reporting of these negative items is unjust and damaging, especially given the documented economic hardship I endured. I am requesting that the CFPB step in to ensure a reinvestigation is conducted, and the inaccurate entries are corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: SC

Complaint narrative:
I am disputing inaccurate or outdated information on my credit report related to accounts with XXXX XXXX ( XXXX XXXX ) and XXXX  XXXX XXXX. I submitted a dispute to Experian, TransUnion, and Equifax on [ insert date you originally sent it ], including documentation from the XXXX XXXX XXXX XXXX XXXX  and Workforce verifying my COVID-related hardship.Despite submitting this documentation, the credit bureaus have failed to remove or properly investigate these items within the 30-day window as required by the Fair Credit Reporting Act ( FCRA ). I have not received a proper response or explanation. The continued reporting of these negative items is unjust and damaging, especially given the documented economic hardship I endured. I am requesting that the CFPB step in to ensure a reinvestigation is conducted, and the inaccurate entries are corrected or 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 non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: NM

Complaint narrative:
I am requesting a reinvestigation into multiple items appearing on my credit report, as they are either fraudulent or inaccurately reported. Several accounts listed are not mine. I did not authorize, open, or benefit from them. These items appear to be fraudulent, and I have not received any disclosures, billing statements, or signed agreements as required under the Truth in Lending Act ( TILA ) and the Fair Credit Billing Act ( FCBA ). Under the Fair Credit Reporting Act ( FCRA ) 611, I request a detailed reinvestigation and disclosure of the verification process, including the identity of the furnisher.

Additionally, an active account is being reported with a late payment status, which is factually incorrect. I have made timely payments, and this inaccurate reporting violates FCRA 623 and the DoddFrank Acts prohibition against deceptive practices. This negative reporting misrepresents my creditworthiness and causes substantial harm.

I request a manual, factual-based reinvestigation, not an automated E-OSCAR response. Under FCRA and CFPB guidelines, furnishers and credit bureaus are required to conduct a reasonable investigation and correct or delete inaccurate information. I expect updated reporting and full compliance with the legal timeframes outlined in 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 2025-05-28 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: GA

Complaint narrative:
SEE ATTACHED NOTES/ATTACHMENTS You are in violation of severe codes.

1. FCRA Inaccurate Reporting ( 15 U.S. Code 1681i ) Incorrect past due balances ( e.g., account was settled or paid, but balance remains reported ) .Reporting late payments or a balance after a repossession without clarification.Duplicate reporting across bureaus with inconsistent data ( e.g., differing balances : {$25000.00} vs {$25000.00} ) .Status as charged off but balance is still actively increasing or incorrect.

2. FCRA Re-Aging of Debt If the Start Date listed is XX/XX/XXXX but the Date Opened is XX/XX/XXXX, that may suggest the debt is being re-aged restarting the statute of limitations, which is illegal under FCRA and FDCPA unless its a new debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: NY

Complaint narrative:
This is a formal request for the removal of fraudulent accounts that appeared after a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), block and delete these accounts within 4 days : 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  NY XXXX Please delete and block the following accounts from my credit report Accounts BANKCRUPTCY - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$00.00} BANKCRUPTCY - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} Inquiries XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : 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 explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is a formal request for the removal of fraudulent accounts that appeared after a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), block and delete these accounts within 4 days : 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  NY XXXX Please delete and block the following accounts from my credit report Accounts BANKCRUPTCY - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$00.00} BANKCRUPTCY - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} Inquiries XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief