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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I submitted a complete identity theft dispute packet to TransUnion under FCRA Section 605B. This packet included : - A written request to block and remove XXXX fraudulent accounts - A signed FTC Identity Theft Report - Government-issued ID - Proof of my current address - A copy of my Social Security card TransUnion removed XXXX of the XXXX fraudulent accounts, but the account reported by XXXX XXXX XXXX on my credit report. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which requires that consumer reporting agencies block identity theft-related information within * * XXXX business days * * of receiving the proper documentation. 

XXXX XXXX continues to furnish false information despite being informed of the identity theft and receiving my full documentation. I am a victim of identity theft, and this account does not belong to me. 

I am requesting that the CFPB investigate this matter immediately and ensure that TransUnion complies fully with federal law by removing the fraudulent XXXX XXXX account from my credit file. I also ask that CFPB review XXXX role in continuing to report and verify fraudulent data, which is damaging my credit profile. 

Thank you for your assistance in enforcing my rights under federal consumer protection law.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. 

XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX - XXXX XXXX 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 XXXX 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 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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This complaint constitutes a formal demand for your compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have repeatedly requested the removal of this fraudulent account due to identity theft : Despite multiple prior attempts to resolve this matter, your agency has failed to comply. You have not provided any verifiable proof, and your generic, non-substantive responses violate federal law and my consumer rights. These evasions are unacceptable.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable investigation and supply documented evidence verifying the disputed account. Your failure to do so, and reliance on boilerplate responses, do not satisfy this legal obligation.

Additionally, per 15 U.S.C. 1681e ( b ), you are obligated to ensure maximum possible accuracy of consumer reports. Continuing to report unverifiable, inaccurate informationdespite my repeated disputesdemonstrates willful disregard for the law. 

You are hereby required to provide the following within 30 days : Actual verification, including original documentation from the data furnishergeneric statements are not acceptable ; A detailed description of your investigation process and steps taken ; Names, job titles, and contact details of all personnel who handled my dispute ; Written confirmation that any unverified information has been deleted, per 15 U.S.C. 1681i ( a ) ( 5 ).

Should you fail to comply, I will initiate legal proceedings without further notice and will report your agency to the CFPB, FTC, and my State Attorney General. I reserve the right to pursue all remedies under 15 U.S.C. 1681n, including statutory and punitive damages, attorneys fees, and costs.

This account is fraudulent and does not belong to me. The original creditor has acknowledged this and agreed to remove the account. I expect your agency to honor this resolution and provide me with verifiable proof or confirmation of deletion. 
XXXXXXXX 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 2025-05-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Discovering a late payment on my account is both unexpected and concerning, considering my track record of punctual payments. This discrepancy is causing unnecessary worry, and I urge you to update my records to reflect the correct information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 To Whom It may concern, I am in receipt of your company 's letter informing me you are handling the collect of the account mentioned above. However, after reviewing my records, I am unable le to find my documentation of my contractual relation between you, me, XXXX XXXX XXXX, which makes you a person entitled to enforce a commercial claim against me. This letter is not a request for " verification '' or " validation ''. This is request for Proof of Contract to substantiate your claim. Therefore, provide me a certified copy of an original contract, with my signature, specially naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence if a notary public, who duly sears the copy made is in fact a copy of the original paper contract questions. Your failure to respond and provide strict proof of contract will constitute your tactic agreement that ( XXXX ) is not entitled to enforce a claim against me. In event you continue your collection efforts against me without providing proof of contact, I may do one or more of the following : 1. File a complaint with the Attorney General 2. File a complaint with the Federal Trade Commission 3. File a police report against you for harassment and invasion of privacy.

You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collections efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In the event you transfer this account to any attorney without providing proof of contract, he or she will be reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations. 


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 2025-05-28 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, XXXX, Experian and Equifax credit reporting agency , remove 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX BALANCED {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX PC ) XXXX * * BALANCED {$600.00} Chapter XXXX Bankruptcy XXXX Bankruptcy XXXX Reference # : XXXX Chapter XXXX Bankruptcy XXXX XXXX CT-EAST DIST MIC Reference # : XXXX These items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, XXXX, Experian and Equifax credit reporting agency , remove 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX BALANCED {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX PC ) XXXX * * BALANCED {$600.00} Chapter XXXX Bankruptcy XXXX Bankruptcy XXXX Reference # : XXXX Chapter XXXX Bankruptcy XXXX XXXX CT-EAST DIST MIC Reference # : XXXX These items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: FL

Complaint narrative:
I am filing this complaint because my Equifax credit report contains inaccurate and fraudulent information. My recent review of the report revealed several collection accounts and inquiries that are not attributable to me and are the result of identity theft. 
The specific fraudulent accounts and unauthorized inquiries are : Collection Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$21000.00}. This account is not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX, with an original creditor listed as " XXXX XXXX, '' opened on XX/XX/XXXX, with a balance of {$13000.00}. I did not open this account. 
XXXX : XXXX XXXX, inquired on XX/XX/XXXX. This inquiry is unauthorized. 
Inquiry : XXXX XXXX XXXX, inquired on XX/XX/XXXX. I did not authorize this inquiry. 
These inaccurate entries are causing significant harm to my creditworthiness. According to Florida Statute 817.535, a consumer who has been a victim of identity theft can request that a credit reporting agency block the fraudulent information from their credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
On XXXX XXXX XXXX I received {$22.00} on Zelle through my XXXX XXXX account. Somehow they said the transaction was fraudulent. I never sent the money. This money was sent to me, wasnt my fault, and they banned me permanently for life. I asked about it, they would not give me any information. I had no idea what this is about. I even offered to pay the {$22.00}. Zelle is the only way you can transfer money bank to bank, they have a monopoly. 

Doing some research I found out this happens to a lot of people, and it has many similar complaints about this. People that have phones stolen, get their accounts hacked, and get money sent from strangers that they have no idea who they are, and they get punished for it, because they have a monopoly. I havent been able to send money to my mother, or my wife, and I havent been able to go through my business with it. 

This is not fair. I did not do anything wrong and unfortunately, theres no other companies that banks used besides Zelle. 

Ive already contacted and talked to XXXX. They said theres nothing that they can. They said you have to talk to Zelle.

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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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: FL

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. 

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 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 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to TRANSUNION in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was looking at my credit report and i saw 4 accounts that was opened fraudulently. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation