vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-06-12 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:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-06-12 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: SC

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX * * * * * * XXXX - XX/XX/XXXX - {$3400.00} XXXX - XXXX * * * * * * * * * XXXX - XX/XX/XXXX - {$7000.00} XXXX - XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$3300.00}

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX Experian XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX  XXXX, TX XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Dispute of Unauthorized Information on Credit Report To Whom It May Concern, I am writing to formally dispute the information reported on my credit report by your agency, pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681B. I did not authorize the reporting of the specific information in question, which includes names, addresses, employers, and phone numbers. This unauthorized reporting is not only inaccurate but also a violation of my rights under the FCRA.

Under 15 USC 1681B, consumer reporting agencies are prohibited from furnishing a consumer report unless there is a permissible purpose, and I have not provided consent for the dissemination of my personal information. The presence of this unauthorized information is damaging to my credit profile and, consequently, my financial wellbeing.

I demand that you investigate this matter promptly and remove all unauthorized items from my credit report within 30 days of receipt of this letter. Please consider this correspondence as my formal request to review and correct the inaccuracies associated with my accounts.

Enclosed are copies of my identification and any relevant documents to assist in the investigation. I expect a written response to this letter, confirming the removal of the disputed items. 

Thank you for your immediate attention to this serious matter. 

Best Regards, 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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX Experian XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX  XXXX, TX XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Dispute of Unauthorized Information on Credit Report To Whom It May Concern, I am writing to formally dispute the information reported on my credit report by your agency, pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681B. I did not authorize the reporting of the specific information in question, which includes names, addresses, employers, and phone numbers. This unauthorized reporting is not only inaccurate but also a violation of my rights under the FCRA.

Under 15 USC 1681B, consumer reporting agencies are prohibited from furnishing a consumer report unless there is a permissible purpose, and I have not provided consent for the dissemination of my personal information. The presence of this unauthorized information is damaging to my credit profile and, consequently, my financial wellbeing.

I demand that you investigate this matter promptly and remove all unauthorized items from my credit report within 30 days of receipt of this letter. Please consider this correspondence as my formal request to review and correct the inaccuracies associated with my accounts.

Enclosed are copies of my identification and any relevant documents to assist in the investigation. I expect a written response to this letter, confirming the removal of the disputed items. 

Thank you for your immediate attention to this serious matter. 

Best Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Marvel & Maloney, P.C.
State: NJ

Complaint narrative:
on XX/XX/year> I received an email from the owner of the company I work for that the debt collector sent the letter to work address. The owner of the company emailed me the letter from the company that shows the debt trying to be collected dates of service, hospital information and private health information that my employer shouldnt have access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: IL

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 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : XXXX XXXX XXXX  - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$540.00} XXXX - XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$590.00} XXXX - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: IL

Complaint narrative:
Subject : Dispute of Inaccurate Information under FCRA and Billing Error 15 U.S.C. 1666b Dear [ Credit Bureau or XXXX XXXX Fraud Department ] I am writing to formally dispute and demand the immediate removal of inaccurate and legally non-compliant information being reported on my credit file in connection with XXXX XXXXXXXX account 1. Unverified Late Payments Violation of 15 U.S.C. 1666b This account is reporting late payments that I am contesting. According to 15 U.S.C. 1666b ( Fair Credit Billing Act ), creditors are required to provide at least a 21-day grace period before imposing any late fees or treating the payment as delinquent. If XXXX XXXX can not prove with documentation that they adhered to this requirement including the exact billing cycle, due date, and date the payment was received or posted the reported late payments are inaccurate and must be removed. 

Furthermore, under the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ], you are obligated to investigate and delete any item that can not be verified. I demand that these late payments be investigated, validated, and deleted if they can not be verified with legally compliant evidence. 



2. Fraudulent Account Identity Theft Claim This XXXX XXXXXXXX account was fraudulently opened without my authorization. I am exercising my rights under the FCRA 605B [ 15 U.S.C. 1681c-2 ], which states that credit reporting agencies must block fraudulent information from a consumers credit report within 4 business days of receiving : A valid police report or identity theft affidavit, Proper identification, and A written statement from the consumer. 

Enclosed are : A copy of my identity theft affidavit ( or police report ), A copy of my government-issued ID, and A utility bill verifying my address. 

According to the FTC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ( XXXX XXXX. XXXX ) and XXXXidy v. Experian Info. Solutions, Inc.XXXX XXXX XXXX XXXXXXXX, creditors and credit bureaus are responsible for removing accounts resulting from identity theft once proper notice has been given. 



Requested Actions : 1. Immediately remove all late payments reported by XXXX XXXX, as they are unverified and potentially unlawful under 15 U.S.C. 1666b. 
2. Permanently delete the XXXX XXXX account from my credit file, as it was opened fraudulently. 
3. Provide written confirmation of these deletions within the timeframe required by law ( generally 30 days under FCRA 1681i ).

Failure to comply may result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and potential legal action for willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: IL

Complaint narrative:
Subject : Dispute of Inaccurate Information under FCRA and Billing Error 15 U.S.C. 1666b Dear [ Credit Bureau or XXXX XXXX Fraud Department ] I am writing to formally dispute and demand the immediate removal of inaccurate and legally non-compliant information being reported on my credit file in connection with XXXX XXXXXXXX account 1. Unverified Late Payments Violation of 15 U.S.C. 1666b This account is reporting late payments that I am contesting. According to 15 U.S.C. 1666b ( Fair Credit Billing Act ), creditors are required to provide at least a 21-day grace period before imposing any late fees or treating the payment as delinquent. If XXXX XXXX can not prove with documentation that they adhered to this requirement including the exact billing cycle, due date, and date the payment was received or posted the reported late payments are inaccurate and must be removed. 

Furthermore, under the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ], you are obligated to investigate and delete any item that can not be verified. I demand that these late payments be investigated, validated, and deleted if they can not be verified with legally compliant evidence. 



2. Fraudulent Account Identity Theft Claim This XXXX XXXXXXXX account was fraudulently opened without my authorization. I am exercising my rights under the FCRA 605B [ 15 U.S.C. 1681c-2 ], which states that credit reporting agencies must block fraudulent information from a consumers credit report within 4 business days of receiving : A valid police report or identity theft affidavit, Proper identification, and A written statement from the consumer. 

Enclosed are : A copy of my identity theft affidavit ( or police report ), A copy of my government-issued ID, and A utility bill verifying my address. 

According to the FTC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ( XXXX XXXX. XXXX ) and XXXXidy v. Experian Info. Solutions, Inc.XXXX XXXX XXXX XXXXXXXX, creditors and credit bureaus are responsible for removing accounts resulting from identity theft once proper notice has been given. 



Requested Actions : 1. Immediately remove all late payments reported by XXXX XXXX, as they are unverified and potentially unlawful under 15 U.S.C. 1666b. 
2. Permanently delete the XXXX XXXX account from my credit file, as it was opened fraudulently. 
3. Provide written confirmation of these deletions within the timeframe required by law ( generally 30 days under FCRA 1681i ).

Failure to comply may result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and potential legal action for willful non-compliance.

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 2025-06-12 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX PA XXXX 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 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 2025-06-12 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: OH

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX XXXX XXXX. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: CO

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite efforts to resolve this directly with the reporting agency, it remain unresolved. I request immediate removal of this item, as it is incorrect and does not reflect my true credit history. I've received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: WV

Complaint narrative:
Despite submitting multiple written requests over the past year, the company continues to publicly report and share my private, personal, and financial informationspecifically adverse dataon consumer reporting platforms. This includes information that relates to transactions or experiences between me, the consumer, and the person or entity making the report. Some of this information is inaccurate, disputed, or unauthorized. The company has failed to correct or remove the data as required, despite repeated notices, causing ongoing harm to my credit profile and violating my rights under federal law, including the Fair Credit Reporting Act and the Gramm-Leach-Bliley Act.

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 2025-06-12 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: WV

Complaint narrative:
Despite submitting multiple written requests over the past year, the company continues to publicly report and share my private, personal, and financial informationspecifically adverse dataon consumer reporting platforms. This includes information that relates to transactions or experiences between me, the consumer, and the person or entity making the report. Some of this information is inaccurate, disputed, or unauthorized. The company has failed to correct or remove the data as required, despite repeated notices, causing ongoing harm to my credit profile and violating my rights under federal law, including the Fair Credit Reporting Act and the Gramm-Leach-Bliley Act.

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