vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 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: NC

Complaint narrative:
On XX/XX/year>, a new address XXXX XXXX XXXX, XXXX, NC XXXX appeared on my TransUnion credit report. This address is not associated with me and is the result of identity theft connected to a fraudulent account being reported by XXXX XXXX XXXX XXXX  XXXX XXXX. 

On XX/XX/year>, I submitted a formal identity theft dispute to TransUnion, identifying the XXXX account as fraudulent. I provided an FTC Identity Theft Report, a sworn affidavit, and proof of identity, in accordance with FCRA 605B. 

Despite this, on XX/XX/year>, TransUnion responded by verifying the account as accurate and rejecting my dispute. That same day, I submitted a second dispute and also formally requested documentation under FCRA 611, including : The method of verification used ; The name and address of the data furnisher ; and Any documentation showing how my dispute was evaluated. 

TransUnion has not provided any of this information. 

On XX/XX/year>, I received a written notice from TransUnion declining to block the XXXX account under FCRA 605B, citing reasons that are either factually inaccurate or unsupported. 

On XX/XX/year>, I submitted a third dispute by phone, requesting this matter be reinvestigated again. The account was again verified as accurate, without proper explanation or supporting documentation. 

As of today, the fraudulent account and the unauthorized address XXXX XXXX XXXX, XXXX, NC XXXX both remain on my credit report, despite clear documentation proving identity theft and prior removal of unrelated fraudulent addresses. 

I am also a class member in the XXXX v. TransUnion lawsuit, which addresses TransUnions failure to protect consumers from inaccurate reporting and mishandling of identity theft disputes. I believe I am being continuously harmed by the very misconduct that led to that case. 

I have included a single, organized XXXX in this complaint submission for the CFPB to review, containing all relevant documentation. This includes my FTC Identity Theft Report, affidavit, proof of identity, TransUnions block denial letter, credit report excerpts, and dispute communications. This is being submitted to ensure that my dispute is properly handled this time, as part of the re-dispute initiated on XX/XX/year>. 

I respectfully request that the CFPB investigate this matter and compel TransUnion to : Permanently block and delete the XXXXXXXX XXXX XXXX XXXX XXXX XXXX account ; Remove the fraudulent address ; Provide all documentation as required under FCRA 611 and 605B ; and Be held accountable for its failure to conduct a lawful investigation.

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This complaint is not sent in error. My credit report has some false and not 100 % accurate Information. This inaccurate information is causing undue stress and is affecting me negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: PA

Complaint narrative:
I, XXXX XXXX XXXX reviewed my credit report and found the following item ( s ) to be in error. I am a victim of identity theft and did not authorize the charges. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that's you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an update of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who has received my credit report in the past six months 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: PA

Complaint narrative:
I am writing to formally request the full discharge and dismissal of the following federal student loan accounts, which I believe are subject to cancellation under the XXXX XXXX XXXX XXXX XXXX class action settlement : - XXXX - XXXX - XXXX - XXXX As a class member eligible under the XXXX XXXX XXXX XXXX XXXX settlement, I attended XXXX XXXX XXXX, one of the institutions listed in Exhibit C of the final agreement. The settlement became effective on XX/XX/XXXX, and grants automatic relief to borrowers who submitted a Borrower Defense application on or before XX/XX/XXXX, for attendance at institutions that engaged in substantial misconduct. 
Despite the terms of the settlement requiring full loan discharge, I have observed that these loans have either been resold or re-agedactions that are inconsistent with the terms of relief guaranteed under the settlement agreement.

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 2025-04-30 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: PA

Complaint narrative:
I am writing to formally request the full discharge and dismissal of the following federal student loan accounts, which I believe are subject to cancellation under the XXXX XXXX XXXX XXXX  * class action settlement : - XXXX - XXXX - XXXX - XXXX As a class member eligible under the XXXX XXXX XXXX XXXX XXXX settlement, I attended XXXX XXXX XXXX, one of the institutions listed in Exhibit C of the final agreement. The settlement became effective on XX/XX/XXXX, and grants automatic relief to borrowers who submitted a Borrower Defense application on or before XX/XX/XXXX, for attendance at institutions that engaged in substantial misconduct. 
Despite the terms of the settlement requiring full loan discharge, I have observed that these loans have either been resold or re-agedactions that are inconsistent with the terms of relief guaranteed under the settlement agreement.

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 2025-04-30 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: PA

Complaint narrative:
I am writing to formally request the full discharge and dismissal of the following federal student loan accounts, which I believe are subject to cancellation under the XXXX XXXX XXXX XXXX XXXX class action settlement : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As a class member eligible under the XXXX XXXX XXXX XXXX XXXX settlement, I attended XXXX XXXX XXXX, XXXX of the institutions listed in Exhibit C of the final agreement. The settlement became effective on XX/XX/XXXX, and grants automatic relief to borrowers who submitted a Borrower Defense application on or before XX/XX/XXXX, for attendance at institutions that engaged in substantial misconduct. 
Despite the terms of the settlement requiring full loan discharge, I have observed that these loans have either been resold or re-agedactions that are inconsistent with the terms of relief guaranteed under the settlement agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: OH

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Revco Management, LLC
State: CA

Complaint narrative:
I believe the account is invalid. REVCO SOLUTIONS needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.REVCO SOLUTIONS XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Formal Request to Update Account per FCRA 1681i, Following XXXX Correction To Whom It May Concern, I am writing to formally request an update to my credit report to reflect the deletion/correction of the following account, which was inaccurately reported as having late payments : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX, XXXX, XXXX Basis for Dispute On XX/XX/year>, XXXX ( one of the four major consumer reporting agencies ) completed an investigation of this account and updated it to " current '' status, confirming that the late payment notation was inaccurate. Despite this, your bureau continues to report the account inaccurately. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ) : You are required to maintain maximum possible accuracy in consumer reports ( 1681e ( b ) ).

If information is deleted or corrected by one bureau ( XXXX ), other bureaus must reinvestigate to ensure consistency ( 1681i ( a ) ( 1 ) ).

Demand for Immediate Action I request that you : Verify the account status with XXXX and align your records with XXXX corrected reporting. 

Delete or update the late payment notation to reflect the account as " current. '' Provide me with a written confirmation of the correction and an updated credit report. 

Supporting Evidence Attached is : XXXX updated report ( dated XX/XX/year> ) showing the correction. 

XXXX account statements proving on-time payments. 

Failure to correct this inaccuracy within 30 days may result in escalation to the Consumer Financial Protection Bureau ( CFPB ) and legal action under FCRA 1681n ( civil liability for negligent noncompliance ). 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exsits. ( please remove these accounts before i seek litigation for defamation of character ) XXXX  Balance {$5800.00}, XXXX XXXX BALANCE {$3600.00}, XXXX XXXX BALANCE {$450.00}, XXXX XXXX XXXX BALANCE {$0.00}

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 2025-04-30 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:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit account with XXXX XXXX XXXX XXXX opened on XX/XX/year>. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent item. I do not recognize this account as reported. This item appearing on my consumer credit report was not opened, made, or initiated by me and is the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint XXXX XXXX XXXX XXXX XXXX  ) as proof from the U.S. Federal Trade Commission that the aforementioned consumer credit account is 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 2025-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Inquires on my Experian credit report dated XX/XX/year> XXXX XXXX XXXX I did not authorize this inquiry its fraud, XXXX XXXX I did not authorize this inquiry, nor XXXX XXXX all these inquiries should be deleted immediately.

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 2025-04-29 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: IN

Complaint narrative:
Inquires on my Experian credit report dated XX/XX/year> XXXX XXXX XXXX I did not authorize this inquiry its fraud, XXXX XXXX I did not authorize this inquiry, nor XXXX XXXX all these inquiries should be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the validity of the debt you allege I owe and to highlight several violations of consumer protection laws in your collection practices. I do not acknowledge any debt to the following collection agencies : XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX I request that you provide full validation as required under 12 CFR 1006.34 ( b ) ( 5 ). This includes the original creditors name, the account number, the total amount allegedly owed, and a detailed breakdown of all charges, fees, and interest. Additionally, I request a copy of the purchase agreement between the collection agency and the original creditor to verify the legitimacy of your claim. I am also filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these issues.

Furthermore, I am revoking your authorization to contact me via email, phone, or text message. All communication must be in writing going forward. Your failure to provide me with a reasonable opportunity to dispute this debt, as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ), constitutes a violation of my rights. Moreover, your collection methods have been deceptive and lack the legally required disclosures. It is also unlawful for [ creditor_name ] to furnish information to consumer reporting agencies without providing the appropriate disclosures as outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

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 2025-04-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NY

Complaint narrative:
Columbia Debt Recovery is attempting to recover {$39000.00} from me on behalf of XXXX for the full lease term ( XX/XX/XXXX - XX/XX/XXXX ) ; despite having vacated the unit on XX/XX/XXXX in accordance with California " Pay or Quit '' tenant law. 

This attempt to collect is unlawful as there is no judgement awarding or entitling XXXX to this amount. I'd like to further note that the lease agreement between myself, XXXX XXXX, and XXXX XXXX is void in California after the first " Pay or Quit '' notice which was issued in XXXX of XXXX, further reducing their claim for payment due. 

Finally, and pursuant to civil code XXXX, XXXX is required to minimize damages through advertising and re-renting the unit, at a fair and reasonable rate. 

I requested a copy of the unit 's rental history from XXXX, as well as the debt purchase agreement and validation letter from Columbia Debt recovery, which was not provided or honored. 

I'd finally like to acknowledge the active class action lawsuit between the FTC and XXXX for their deceptive business practices similar to that which I am noting here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: GA

Complaint narrative:
I am writing to formally dispute and request the removal of unauthorized inquiries that appear on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ( c ) ), credit inquiries may only be made with my explicit written consent or under permissible purposes as defined by federal law.

Upon reviewing my credit file, I identified the following inquiries which I did not authorize and for which I did not apply for credit, services, or give permission to access my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries are a violation of my right to privacy and may negatively affect my credit score. Please consider this letter as my formal demand for an immediate investigation and removal of these inquiries from my credit file, in accordance with 15 U.S.C. 1681i.

Company response to consumer: Closed with non-monetary relief