vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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: NY

Complaint narrative:
This letter serves as final notice of my dispute regarding the inaccurate late payment reporting on my credit file and your agencys ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Despite previous disputes, you have continued reporting this derogatory information without providing any documentation to support its validity. A generic 'verified ' response does not satisfy the legal requirement to perform a reasonable reinvestigation under FCRA 1681i.

You are also in violation of FCRA 1681e ( b ) which requires that you ensure the maximum possible accuracy of the information you report. Your failure to remove unverifiable data and your refusal to produce original documentation demonstrates willful noncompliance. 
You now have 30 days from the date of this letter to provide the following : - Full and complete documentation from the original creditor validating the alleged late payment ; - A detailed explanation of the reinvestigation process and verification methods ; - Immediate deletion of the disputed item if it can not be 100 % verified with original, substantive evidence. 
In support of my position, I refer you to the most recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against major credit reporting agencies : - In XX/XX/year>, the CFPB sued TransUnion for failing to properly investigate consumer disputes and continuing to report inaccurate data. 
These actions prove a pattern of systemic negligence in the industry. Your behavior mirrors the violations highlighted in these cases and only strengthens my intent to pursue legal remedies. 

XXXX XXXXXXXX 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
Consumer complaint received 2025-05-23 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: NC

Complaint narrative:
I have previously submitted complaints regarding inaccurate items on my credit report, yet no corrective action has been taken. I am once again requesting the removal of all negative and erroneous items from my report. 

If this matter is not addressed promptly, I will have no choice but to pursue legal action to seek compensation for the violations under applicable credit reporting laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-23 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: NY

Complaint narrative:
My credit report contains incorrect personal information and now show accounts Ive never opened. Ive been a victim of identity theft, and my details were used without permission. I filed an FTC Identity Theft Report and submitted it to Equifax as instructed, yet the fraudulent items are still showing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: NV

Complaint narrative:
True Accord has repeatedly contacted me to collect a debt, " we are trying to collect a debt you owe XXXXXXXX XXXX '', with little to no information about the debt initially. It's obvious they are a third party who is spamming anybody they can find online that matches the name they are looking for, with NO due diligence to ensure the person they are contacting is the person who has the debt. In the last attempt, they included enough information, including the home address, that had they spent XXXX seconds researching my name and email, they'd know it isn't me. I finally called them, after wasting precious hours of my life researching, including XXXX ( who you can't contact ), and I want to give them as little info as possible, because how do I know they just won't backfill whatever the complaint is with my information and say, " oh yeah, it's you! "? We settled on the last XXXX of my social, and they confirmed it isn't me, and said they won't contact me anymore. But I've received an email about this from another collector on the same issue ( can't remember the name ) offering a discount to settle a debt they have no reason to believe I owe!

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 2025-05-22 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting.

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law.

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-05-22 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/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
Consumer complaint received 2025-05-23 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: CO

Complaint narrative:
I am writing to formally dispute and request the immediate blocking and removal of all negative items on my credit report that are the result of identity theft, as provided under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ).

I am a victim of identity theft, and certain accounts and inquiries listed on my credit report are fraudulent, unauthorized, and not mine. These items are causing significant harm to my credit profile and were not initiated by me in any capacity.

Under 15 U.S.C. 1681c-2, I am requesting that you block the reporting of all such information identified as the result of identity theft.

I request you block the reporting of all fraudulent and negative items within four business days, as required by federal law.

Failure to act in accordance with your legal obligations under the FCRA may result in legal action and complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General.

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 2025-05-22 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: MI

Complaint narrative:
I have now received multiple investigation results from TransUnion confirming that XXXX XXXX provided and verified two different loan balances first {$8900.00}, and later {$8700.00}. These reports were both marked as accurate by XXXX XXXX and the credit bureau, despite the obvious contradiction. The updated balance of {$8700.00} was reported on XX/XX/scrub> 2025, just days after I was served with a lawsuit on XX/XX/scrub> 2025. This unexplained balance change immediately following legal action is highly suspicious and calls into question the integrity and consistency of XXXX XXXX reporting practices. 

I am also formally stating that I do not acknowledge this debt due to the multiple, conflicting balances reported and verified as accurate by XXXX XXXX. 

Specifically : The original balance of {$8900.00} was verified as accurate four separate times by XXXX XXXX between XXXX XXXX2025 and XX/XX/year>2025. 
Then, suddenly just days after I was served with a lawsuit XXXX XXXX updated the balance to {$8700.00} on XX/XX/scrub> 2025, without any notice, breakdown, or explanation.

TransUnion has now issued two different reports, each claiming a different balance is verified as accurate.

This is not just inconsistent its deeply misleading and may violate several provisions of the Fair Credit Reporting Act ( FCRA ). A creditor can not legally verify two different balances as accurate within such a short window, especially when they confirmed the first amount repeatedly. This calls into question
the legitimacy of XXXX XXXX  record keeping, their data integrity, and their treatment of consumers legal 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 2025-05-22 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: AL

Complaint narrative:
I am filing this complaint due to TransUnion, Equifax, and Experian 's continued reporting of unverified information about bankruptcy, which is in violation of the Fair Credit Reporting Act and Metro 2 Standards.

Case Number : -Case Number : XXXX Court : -U.S. Bankruptcy Court , XXXX XXXX XXXX XXXX Filing Date : XX/XX/year> The bankruptcy in question was discharged and should not be reported as active. The FCRA ( 15 U.S.C. 1681 ) requires that credit reporting agencies verify disputed public records through data furnishers. However, bankruptcy courts do not furnish data to credit bureaus, and your verification through XXXX  does not satisfy legal requirements under the 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 2025-05-23 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have previously submitted complaints regarding inaccurate items on my credit report, yet no corrective action has been taken. I am once again requesting the removal of all negative and erroneous items from my report. 

If this matter is not addressed promptly, I will have no choice but to pursue legal action to seek compensation for the violations under applicable credit reporting 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 2025-05-23 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: NC

Complaint narrative:
I have previously submitted complaints regarding inaccurate items on my credit report, yet no corrective action has been taken. I am once again requesting the removal of all negative and erroneous items from my report. 

If this matter is not addressed promptly, I will have no choice but to pursue legal action to seek compensation for the violations under applicable credit reporting 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 non-monetary relief
Consumer complaint received 2025-05-22 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am filing this FTC Identity Theft Affidavit to report seven fraudulent accounts appearing on my consumer FICO TransUnion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX XXXX XXXX XXXX XXXX, a credit card opened at XXXX on XX/XX/XXXX under the account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, two credit card accounts opened at XXXX on XX/XX/XXXX under the account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a credit card opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a collection account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX, and a collection account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaints # XXXX and XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA 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 non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: CO

Complaint narrative:
I am writing to formally dispute and request the immediate blocking and removal of all negative items on my credit report that are the result of identity theft, as provided under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ).

I am a victim of identity theft, and certain accounts and inquiries listed on my credit report are fraudulent, unauthorized, and not mine. These items are causing significant harm to my credit profile and were not initiated by me in any capacity.

Under 15 U.S.C. 1681c-2, I am requesting that you block the reporting of all such information identified as the result of identity theft.

I request you block the reporting of all fraudulent and negative items within four business days, as required by federal law.

Failure to act in accordance with your legal obligations under the FCRA may result in legal action and complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General.

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 2025-05-23 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: OH

Complaint narrative:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

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