vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute TransUnions continued failure to provide me with access to my own credit report while simultaneously selling and disseminating inaccurate, outdated, and fraudulent information to third parties. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) and consumer protection laws.

Despite my repeated requests for my legally entitled free annual credit report, TransUnion has instead sent stall letters falsely claiming an inability to verify my identity, all while continuing to profit from the sale of my credit data to creditors, lenders, and marketers. Additionally, I previously requested a security freeze on my file, yet TransUnion failed to properly enforce it, resulting in further identity theft due to your companys negligence and willful noncompliance.

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 2025-03-24 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:
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 2025-03-24 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:
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 2025-03-24 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: MS

Complaint narrative:
I am filing a complaint against Trans Union for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Trans Union consistently responds within 14 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ). 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( file No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Trans Union complies with federal law and provides consumers with the best proof of investigation. 
These are the accounts I marked as inaccurate XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX I want reported accounts to 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 non-monetary relief
Consumer complaint received 2025-03-24 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: NV

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by XXXX as mandated by the Consumer Financial Protection Bureau ( CFPB ).

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : This decision clarified that a XXXX XXXX XXXX is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: GA

Complaint narrative:
15 USC 6802 15 USC 1681b 18 USC 1028A Remove undeliverable addresses

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: GA

Complaint narrative:
15 USC 6802 15 USC 1681b 18 USC 1028A Remove undeliverable addresses

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 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I requested validation of the debt they are attempting to collect, specifically asking for proof of their right to collect the debt and evidence confirming that this debt belongs to me. Despite my repeated requests, they have failed to provide the necessary documentation to validate this debt.

Additionally, I would like to address several unauthorized inquiries that [ Collection Agency Name ] made into my credit file, which, according to the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681b, require a permissible purpose that I did not authorize. The inquiries in question are as follows : XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  TX, Account Number : XXXX XXXX XXXX, Account Number : XXXX In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these entries and eliminate them from my credit report. It is my understanding that you will verify these items with the respective creditors. Should the creditors fail to provide verification, I kindly ask that you remove the corresponding information.

Furthermore, pursuant to 15 U.S.C. 1692c ( c ), I request that all communication regarding this alleged debt cease until proper verification is provided.

I also request an updated copy of my credit report be sent to my address, free of charge, along with notifications to any parties that have accessed my credit report in the past six months about the corrections made.

Thank you for your prompt attention to this matter. I look forward to your confirmation of receipt and actions taken.

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 2025-03-24 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: OneMain Finance Corporation
State: CA

Complaint narrative:
Please remove charge off, on all three credit bureaus. Not my account, fraudulent account opened up, without my knowledge. Maybe an electronic signatures. I have reached out, and no response, no call back. I cant give dats and amounts Im not familiar with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
This account was charged off and I no longer owe money to this creditor but its still showing a balance due.

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to formally dispute the Chapter XXXX bankruptcy entry that appears on my credit report. The bankruptcy entry was filed on XXXX ( Reference Number : XXXX ) and is listed under the status Discharged. However, I would like to bring to your attention that this information is being reported improperly. 

As you are aware, according to XXXX XXXX. XXXX ( b ) of the Fair Credit Reporting Act ( FCRA ), you are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information reported on consumers credit files. The court does not report bankruptcy discharges directly to credit bureaus ; rather, it is the creditors who report such information. Since these creditors are inaccurately reporting this entry, I request that you immediately remove this bankruptcy record from my credit report, as it is being reported illegally and inaccurately. 

Account Information to Dispute : Account Type : Chapter XXXX Bankruptcy Court Name : U.S. Bankruptcy Court Date Filed : XXXX Reference Number : XXXX Discharge Status : Discharged ( Date : [ Insert Discharge Date, if applicable ] ) Under the FCRA, it is your responsibility to ensure that all information included in my credit report is accurate. Since this bankruptcy has been reported incorrectly by creditors, and no direct reporting from the court has occurred, I request that this bankruptcy entry be permanently removed from my credit file across all credit bureaus immediately. 

Please provide written confirmation that this erroneous entry has been removed from my credit report, and ensure that it does not continue to affect my credit score. 

Thank you for your prompt attention to this matter. I look forward to your response.

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to formally dispute the Chapter XXXX bankruptcy entry that appears on my credit report. The bankruptcy entry was filed on XXXX ( Reference Number : XXXX ) and is listed under the status Discharged. However, I would like to bring to your attention that this information is being reported improperly. 

As you are aware, according to XXXX XXXX. XXXX ( b ) of the Fair Credit Reporting Act ( FCRA ), you are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information reported on consumers credit files. The court does not report bankruptcy discharges directly to credit bureaus ; rather, it is the creditors who report such information. Since these creditors are inaccurately reporting this entry, I request that you immediately remove this bankruptcy record from my credit report, as it is being reported illegally and inaccurately. 

Account Information to Dispute : Account Type : Chapter XXXX Bankruptcy Court Name : U.S. Bankruptcy Court Date Filed : XXXX Reference Number : XXXX Discharge Status : Discharged ( Date : [ Insert Discharge Date, if applicable ] ) Under the FCRA, it is your responsibility to ensure that all information included in my credit report is accurate. Since this bankruptcy has been reported incorrectly by creditors, and no direct reporting from the court has occurred, I request that this bankruptcy entry be permanently removed from my credit file across all credit bureaus immediately. 

Please provide written confirmation that this erroneous entry has been removed from my credit report, and ensure that it does not continue to affect my credit score. 

Thank you for your prompt attention to this matter. I look forward to your response.

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 2025-03-24 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: NJ

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capital Management Services, LP
State: IL

Complaint narrative:
I received letter dated XXXX in reference to an alleged account with XXXX XXXXk from Capital Management Services for an amount of {$780.00}. I do not recollect this account at all. I have no knowledge of Capital Management Svcs nor having I signed any agreement of repayment to this business.

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 2025-03-24 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: PA

Complaint narrative:
XX/XX/year> Subject : Identity Theft Dispute Immediate Removal of Fraudulent Account # XXXX I am writing to dispute a fraudulent account on my credit report resulting from identity theft, as confirmed by the creditor, XXXX XXXX. The account in question is account number XXXX, which does not belong to me. Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I request that you block this fraudulent information from my credit report within 4 business days of receiving this letter and the enclosed identity theft report. 

The details of the fraudulent account are as follows : Creditor : XXXX XXXX  Account Number : XXXX Reason for Dispute : This account was opened fraudulently using my identity and does not belong to me. 
Enclosed, please find : A letter from XXXX XXXX  dated XX/XX/year>, signed by XXXX XXXX, Vice President of XXXX XXXX  Customer Service. It confirms that the account number XXXX reported on [ my ] credit report does not belong to [ me ], that this account was opened fraudulently using [ my ] identity, and that XXXX XXXX  has closed this account and [ has ] no claims against [ me ] for any amounts associated with it. 
My identity theft report from IdentityTheft.gov [ or police report, if applicable ], documenting this incident as identity theft. 
Under FCRA Section 605B, you are required to block this fraudulent account within 4 business days of receiving this notice and the accompanying identity theft report. I request written confirmation of the removal once completed, along with an updated copy of my credit report.

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 2025-03-24 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
I am filing this complaint against XXXX and Blitt & Gaines, P.C. for engaging in coordinated fraudulent behavior, concealment of third-party involvement, and ongoing violations of federal law during a disputed debt collection case. 

XXXX is not a named party in the court case, but XXXX XXXX XXXXXXXX Fraud Department confirmed on a recorded call that XXXX XXXX in control of the account, including initiating all fraud claims and balance reversions. Despite this, Blitt & Gaines has never disclosed XXXX involvement in their CFPB responses or court filings. 

Blitt & Gaines submitted Exhibit C in courta fraudulent claim evaluation document that was generated by XXXX. They falsely claimed I initiated that fraud claim. However, I have never contacted XXXX directly, and multiple police reports, sworn statements, and transcripts show that I did not authorize or initiate the claims they are attributing to me. 

This is critical because the alleged balance on the account was fraudulently reinstated using claim evaluations that BoA later confirmed were handled by XXXX. That reinstatement forms the foundation of the lawsuit Blitt & Gaines is pursuing.

Despite this, Blitt & Gaines has : Never submitted a sworn affidavit to dispute the identity theft.

Attempted to strike Illinois Rule 280.5, which requires such a response.

Filed motions to strike all of my pleadings, in an effort to silence me as a pro se defendant. 

I previously filed CFPB complaints against XXXX XXXX XXXX and Blitt & Gaines, and against XXXX XXXX XXXXXXXX and XXXX. Now, I am filing this one because Blitt & Gaines and XXXX are clearly acting in concert to misrepresent the ownership, legal status, and fraud history of the account. These parties have used fraudulent documents, suppressed critical evidence, and withheld material information from both the court and federal regulators. 

This is not a billing disputeit is a case involving : Fabricated claim evaluations. 
Fraudulent reinstatement of debt balances. 
False court filings. 
Suppression of third-party vendor involvement. 

Violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e, 1692f ) and the Fair Credit Reporting Act ( 15 U.S.C.
1681s-2 ( b ) ) I request full investigation into the actions of XXXX and Blitt & Gaines , and demand accountability for the fraudulent, coordinated, and deceptive behavior they have exhibited throughout this litigation and regulatory process. 

This complaint follows two previously filed CFPB complaints : one against XXXX XXXX XXXXXXXX and XXXX, and one against XXXX  XXXX XXXX and Blitt & Gaines.

Company response to consumer: Closed with explanation