vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing this formal complaint regarding inaccurate, unverifiable, and misleading information being reported on my credit file by the credit reporting agencies and certain furnishers. These errors are causing harm to my creditworthiness and violate my rights under the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611, as well as CFPB protections.

The following items on my credit report are inaccurate and must be investigated immediately : Wrong Addresses ( Identity/Reporting Errors ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX OH XXXX Not associated with me. 

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Not associated with me. 

These addresses are completely unrelated to me and raise concerns of mixed files or identity errors. 

Erroneous Account Reporting : XXXXXXXX XXXX XXXX XXXX XXXX  Reported as Charge Off with a high credit of {$10000.00}, opened XX/XX/XXXX. 
This information is inaccurate, outdated, and unverifiable. The account is being reported in a way that misrepresents my actual credit history. 

Unwarranted Inquiries ( Improper/Unauthorized ) : XXXXXXXX XXXX XXXXXXXX dated XX/XX/XXXXXXXX XXXX XXXX  Inquiry dated XX/XX/XXXX These inquiries were not authorized by me and must be removed, as they unfairly damage my credit profile. 

Legal Grounds : Under FCRA 609, I am entitled to full disclosure of the sources and verification of all information reported about me.

Under FCRA 611, I have the right to dispute any inaccurate or unverifiable information, and the credit bureaus and furnishers are required to conduct a proper reinvestigation within 30 days. 

The continued reporting of this information without proper verification constitutes willful noncompliance and negligence. 

Requested Resolution : Immediate removal of the wrong addresses.

Deletion or correction of the erroneous XXXX XXXX  charge-off. 

Removal of the unauthorized inquiries by XXXXXXXX XXXX and XXXX XXXX. 

Written confirmation from the credit bureaus and furnishers regarding corrective actions taken. 

If this matter is not resolved promptly, I will pursue further remedies including complaints to the FTC, potential legal action under FCRA 616 and 617, and claims for damages caused by negligent and willful noncompliance. 

I request that the CFPB take immediate action to investigate these violations and ensure that my consumer rights are protected.

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 2025-10-17 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: NV

Complaint narrative:
As a federally protected consumer, I am reporting serious and ongoing violations by Experian, Equifax, TransUnion, and their furnishing entities. Despite submitting formal disputes and legal notices, the reporting agencies and furnishers have continued to inaccurately report, mishandle, and inconsistently process derogatory credit information. These actions have resulted in financial and emotional harm and constitute a pattern of systemic non-compliance with federal law. Detailed Account Violations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge off/closed account ( {$21000.00} ) appears with no dispute indicators. Violations : FCRA 1681i, 1681g, CFPA 5531, GLBA, and the Privacy Act 552a. XXXX XXXX XXXX  {$5400.00} rental charge-off from XXXX XXXX XXXX appears on EQ and EX, not TU. Violates FCRA 1681e ( b ), 1681i, and GLBA XXXX. XXXXXXXX XXXX XXXX XXXXXXXX ) Charge off/ Closed account ( {$13000.00} ) appears with no dispute indicators. Violations : FCRA 1681i, 1681g, CFPA 5531, GLBA, and the Privacy Act 552a.

Declaration of Harm : These violations have harmed me financially and emotionally. Ive been denied credit, charged higher interest, and suffered reputational damage. I affirm this under penalty of perjury.

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 2025-10-17 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: GA

Complaint narrative:
I am writing to file a formal dispute and request the permanent removal, blocking, and deletion of the following inaccurate and unauthorized accounts appearing on my credit report. These items are being disputed under my rights provided by the Fair Credit Reporting Act ( FCRA ), Section 605B, which requires credit reporting agencies to block and delete information that is the result of identity theft or inaccurate reporting. 

The following accounts are disputed and must be immediately deleted : Creditor Name Date Opened Reported Balance Action Requested XXXX XX/XX/XXXX {$19000.00} Delete/Block XXXX XXXX XX/XX/XXXX {$3700.00} Delete/Block XXXX XXXX XXXX XXXX XX/XX/XXXX {$11000.00} Delete/Block XXXX XXXX XXXX XXXX XX/XX/XXXX {$5300.00} Delete/Block XXXX XXXX XX/XX/XXXX {$550.00} Delete/Block XXXX XXXX XXXXXX/XX/XXXX {$18000.00} Delete/Block These accounts are inaccurate and do not belong to me, nor do they reflect my true credit history. Under FCRA 605B, I am requesting that these accounts be permanently blocked from my credit file and not reinserted unless the furnishers of information can provide verified, written proof of ownership and authorization. 

I am submitting this dispute to the Consumer Financial Protection Bureau ( CFPB ) and each credit reporting agency ( Equifax, Experian, and TransUnion ). 

Please confirm in writing that these accounts have been permanently deleted or provide me with documentation verifying the validity of each account within the legally required timeframe. 

Thank you for your prompt attention to 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 2025-10-17 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: GA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XX/XX/year> -- {$150.00}

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 2025-10-17 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: MD

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than XXXX. This is done 100 % by 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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate information reported on my credit file by XXXX XXXX XXXX. The specific account in question is : Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> High Credit : {$19000.00} Issue : Late Payment / Wrong Address The issue involves the reporting of a wrong address associated with this account : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX This address is incorrect and not associated with me, which has resulted in an inaccurate credit profile. The reporting of late payments in connection with this wrong address is false and misleading, causing potential harm to my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to have accurate information reported and maintained on my credit file. I request the CFPBs assistance to ensure that XXXX XXXX XXXX : Investigates this matter thoroughly. 

Corrects or removes the inaccurate address and any related false reporting. 

Provides confirmation in writing once the correction has been made. 

The continued reporting of incorrect information is not only a violation of the FCRA but also significantly affects my ability to secure credit in a fair and accurate manner. 

Please consider this matter urgent, and I request timely intervention to ensure this false reporting is corrected immediately. I have attached relevant documentation supporting my current address and proof of the incorrect reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all XXXX  credit bureaus on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I've been a member of Wells Fargo for over XXXX. This loan ( XXXX XXXX XXXX ) has been lingering around for many, many years. Now this has turned into another XXXX. mortgage, with a high rates, and history of unfair charges and penalties.

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 2025-10-17 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: CT

Complaint narrative:
The credit card company XXXX reported a fraudulent account that was allegedly opened on XX/XX/year>, which I do not recognize as mine. Furthermore, they reported the account as a charge-off. I have repeatedly requested documentation to verify the legitimacy of this account, as well as the related 1099-C form, but I have not received any of the evidence I requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: PA

Complaint narrative:
I am writing to dispute fraudulent accounts that have been illegally opened in my name. This matter is of the utmost urgency, and I demand immediate correction of my credit report. The following accounts were fraudulently opened without my consent ( see attachment ). These accounts are fraudulent, and I did not authorize the creation of any of these accounts. I demand that these accounts be permanently removed from my credit report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. This situation has caused severe damage to my credit and has resulted in undue stress and Financial Loss. I expect prompt action in investigating and correcting this issue. I demand that the fraudulent accounts be removed and a new credit report be issued reflecting these changes. Please provide written confirmation that these fraudulent accounts have been deleted from my credit report. Failure to respond and correct this matter within 30 days will leave me no choice but to pursue all legal counsel to protect my rights.

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 2025-10-17 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: PA

Complaint narrative:
I am writing to dispute fraudulent accounts that have been illegally opened in my name. This matter is of the utmost urgency, and I demand immediate correction of my credit report. The following accounts were fraudulently opened without my consent ( see attachment ). These accounts are fraudulent, and I did not authorize the creation of any of these accounts. I demand that these accounts be permanently removed from my credit report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. This situation has caused severe damage to my credit and has resulted in undue stress and Financial Loss. I expect prompt action in investigating and correcting this issue. I demand that the fraudulent accounts be removed and a new credit report be issued reflecting these changes. Please provide written confirmation that these fraudulent accounts have been deleted from my credit report. Failure to respond and correct this matter within 30 days will leave me no choice but to pursue all legal counsel to protect my rights.

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 2025-10-17 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The XXXX XXXX XXXX XXXX inaccurately reported as both paid and derogatory. Payment dates, high credit, and comments vary across CRAs. It was also reported as settled for less and paid in full, which can not both be true. No documentation verifying settlement terms has been provided.

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
The XXXX XXXX XXXX XXXX inaccurately reported as both paid and derogatory. Payment dates, high credit, and comments vary across CRAs. It was also reported as settled for less and paid in full, which can not both be true. No documentation verifying settlement terms has been provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: TN

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: GA

Complaint narrative:
I am sending to formally dispute several accounts that are appearing on my credit report which I believe contain inaccurate or unverifiable information. I am requesting a full reinvestigation of each account under my rights granted by the Fair Credit Reporting Act ( FCRA ). Please review the following statements for each account currently in question : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$670.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven 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.

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: TX

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with explanation