vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HF Holdings
State: SC

Complaint narrative:
This account has been satisfied and per reciept received via email account was agreed to be removed from credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute fraudulent accounts on my credit report and request their permanent blocking under FCRA 605B ( 15 U.S.C. 1681c2 ), which protects identity theft victims from the continued reporting of fraudulent information. 
According to my verification at XXXX XXXX XXXX, my personal information was compromised in the Equifax data breach, and I have since been the victim of identity theft. As a result, the following accounts were fraudulently opened or falsely attributed to me : XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX account # XXXX XXXX XXXXXXXX account number # XXXX XXXX account Number # XXXX Under FCRA 605B, you are required by law to block the reporting of this information within four ( 4 ) business days after receiving the following : 1. Proper proof of my identity 2. A copy of an FTC Identity Theft Affidavit 3. Identification of the fraudulent accounts in question 4. A written statement from me affirming that these accounts are the result of identity theft As these accounts are not mine and resulted from the unauthorized use of my personal information, I demand they be blocked from all reporting and permanently removed from my credit file, as required by federal law. Additionally, please ensure that this information is not reinserted in the future, as outlined in FCRA 605B ( c ).

Please provide a written confirmation once these accounts have been blocked and send me an updated copy of my credit report. Failure to comply with this request will result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I may pursue legal remedies under federal law.

Thank you for your immediate attention to this matter. 
Sincerely, 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 2025-07-14 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: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute fraudulent accounts on my credit report and request their permanent blocking under FCRA 605B ( 15 U.S.C. 1681c2 ), which protects identity theft victims from the continued reporting of fraudulent information. 
According to my verification at XXXX XXXX XXXX, my personal information was compromised in the Equifax data breach, and I have since been the victim of identity theft. As a result, the following accounts were fraudulently opened or falsely attributed to me : XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX account # XXXX XXXX XXXXXXXX account number # XXXX XXXX account Number # XXXX Under FCRA 605B, you are required by law to block the reporting of this information within four ( 4 ) business days after receiving the following : 1. Proper proof of my identity 2. A copy of an FTC Identity Theft Affidavit 3. Identification of the fraudulent accounts in question 4. A written statement from me affirming that these accounts are the result of identity theft As these accounts are not mine and resulted from the unauthorized use of my personal information, I demand they be blocked from all reporting and permanently removed from my credit file, as required by federal law. Additionally, please ensure that this information is not reinserted in the future, as outlined in FCRA 605B ( c ).

Please provide a written confirmation once these accounts have been blocked and send me an updated copy of my credit report. Failure to comply with this request will result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I may pursue legal remedies under federal law.

Thank you for your immediate attention to this matter. 
Sincerely, 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 2025-07-14 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:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXXXXXX Balance : {$6100.00}, XXXX  XXXX XXXX Balance : {$570.00}, XXXX  XXXX XXXX Balance : {$500.00}

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reached out to XXXXXXXX XXXX XXXX  about a late payment in XX/XX/year>. I asked for the late payment to be forgiving as I made a XX/XX/year> payment head. The rep on the phone stated they would honor that for me as XXXX on-time payment and they will also waive my late fee. The rep also stated I will be able to see this on my XX/XX/year> statement for reinsurance. I tried to dispute through the credit agencies and no changes have been made and I was advised to contact the lender. I contacted them again and they said they've done my part and to contact the Experian, XXXX, and XXXX. Now I am being ran into circles. This is harming 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 2025-07-14 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: FL

Complaint narrative:
I reached out to XXXXXXXX XXXX XXXX about a late payment in XX/XX/year>. I asked for the late payment to be forgiving as I made a XX/XX/year> payment head. The rep on the phone stated they would honor that for me as one on-time payment and they will also waive my late fee. The rep also stated I will be able to see this on my XX/XX/year> statement for reinsurance. I tried to dispute through the credit agencies and no changes have been made and I was advised to contact the lender. I contacted them again and they said they've done my part and to contact the XXXX, XXXX, and Transunion. Now I am being ran into circles. This is harming 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 non-monetary relief
Consumer complaint received 2025-07-14 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 reached out to XXXXXXXX XXXX XXXX  about a late payment in XX/XX/year>. I asked for the late payment to be forgiving as I made a XX/XX/year> payment head. The rep on the phone stated they would honor that for me as one on-time payment and they will also waive my late fee. The rep also stated I will be able to see this on my XX/XX/year> statement for reinsurance. I tried to dispute through the credit agencies and no changes have been made and I was advised to contact the lender. I contacted them again and they said they've done my part and to contact the XXXX, Equifax, and XXXX. Now I am being ran into circles. This is harming my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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 have previously requested the correction of inaccurate information on my credit report, which has been verified as incorrect by another credit reporting agency. However, due to your lack of response or the response being deemed frivolous, it is clear that the Credit Bureaus have failed to uphold FCRA regulations and fulfill my request for proper verification. I am requesting that these errors be rectified immediately to ensure accurate records. Below is the list of accounts for your review : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance $ {$5600.00}

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 explanation
Consumer complaint received 2025-07-14 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 have previously requested the correction of inaccurate information on my credit report, which has been verified as incorrect by another credit reporting agency. However, due to your lack of response or the response being deemed frivolous, it is clear that the Credit Bureaus have failed to uphold FCRA regulations and fulfill my request for proper verification. I am requesting that these errors be rectified immediately to ensure accurate records. Below is the list of accounts for your review : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance $ {$5600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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 am contacting you to urgently request the removal and blocking of a fraudulent account that has been reported on my TransUnion credit file. This is a result of identity theft, and I have reason to believe this stems from the XXXX  data breach. 
The fraudulent account in question is : - XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX I have never applied for or opened an account with this institution, nor have I authorized anyone to do so on my behalf. This is clearly an unauthorized and fraudulent entry. 


I am writing to formally dispute unauthorized credit inquiries that appear on my TransUnion credit report. These inquiries were made without my knowledge or consent, and I did not initiate any applications or transactions with the companies listed below during the specified periods. 
The unauthorized inquiries in question are : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As these were not authorized by me, I am requesting that TransUnion immediately investigate and remove these inquiries from my credit file, pursuant to the Fair Credit Reporting Act ( 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 non-monetary relief
Consumer complaint received 2025-07-14 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 am writing to file a complaint against the three major credit reporting agencies : Equifax, Experian, and TransUnion. Despite multiple attempts to resolve inaccuracies in my credit reports, all three agencies have failed to respond to my dispute letters or take any corrective action.

Here are the details of my complaint : I have identified several inaccuracies in my credit reports which include inaccurate accounts and inaccurate personal information. 

Actions Requested : 1 Immediate investigation and correction of the inaccuracies in my credit reports.

2 Proper notification on my credit reports indicating that the accounts are in dispute.

3 Compliance with FCRA requirements for responding to consumer disputes in a timely manner. 

I have sent multiple dispute letters to each of the credit bureaus with supporting documentation requesting corrections. 

None of the credit bureaus have responded to my dispute letters within the 30-day period mandated by the Fair Credit Reporting Act ( FCRA ). Moreover, they have failed to include any notice on my credit reports indicating that I have disputed the accounts, which is also a requirement under the FCRA. 

The inaccuracies in my credit reports have adversely affected my credit score and my ability to obtain credit. The lack of response and failure to update my credit reports have caused significant distress and inconvenience. 

Enclosed are copies of the dispute letters I sent to each credit bureau, along with any supporting documentation and proof of mailing. 

I trust that the CFPB will address this matter promptly to ensure that the credit reporting agencies comply with the FCRA and take the necessary steps to correct my credit reports. 

Thank you for your assistance in this matter.

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 2025-07-14 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to file a complaint against the three major credit reporting agencies : Equifax, Experian, and TransUnion. Despite multiple attempts to resolve inaccuracies in my credit reports, all three agencies have failed to respond to my dispute letters or take any corrective action.

Here are the details of my complaint : I have identified several inaccuracies in my credit reports which include inaccurate accounts and inaccurate personal information. 

Actions Requested : 1 Immediate investigation and correction of the inaccuracies in my credit reports.

2 Proper notification on my credit reports indicating that the accounts are in dispute.

3 Compliance with FCRA requirements for responding to consumer disputes in a timely manner. 

I have sent multiple dispute letters to each of the credit bureaus with supporting documentation requesting corrections. 

None of the credit bureaus have responded to my dispute letters within the 30-day period mandated by the Fair Credit Reporting Act ( FCRA ). Moreover, they have failed to include any notice on my credit reports indicating that I have disputed the accounts, which is also a requirement under the FCRA. 

The inaccuracies in my credit reports have adversely affected my credit score and my ability to obtain credit. The lack of response and failure to update my credit reports have caused significant distress and inconvenience. 

Enclosed are copies of the dispute letters I sent to each credit bureau, along with any supporting documentation and proof of mailing. 

I trust that the CFPB will address this matter promptly to ensure that the credit reporting agencies comply with the FCRA and take the necessary steps to correct my credit reports. 

Thank you for your assistance in this matter.

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 2025-07-14 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: NJ

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$2000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/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 2025-07-14 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: CT

Complaint narrative:
I am disputing a XXXX XXXX account that is being inaccurately and inconsistently reported across the three credit bureaus. The account has been listed as charged off for over 24 consecutive months without proper updates, which may indicate improper re-aging or failure to update account status as required. 

Additionally, the High Credit amount is reported as {$440.00} on TransUnion but {$0.00} on Experian, and the account does not appear on XXXX  at all or is missing key information. These inconsistencies suggest violations of the Fair Credit Reporting Acts requirement for maximum possible accuracy. 

I submitted written disputes to TransUnion, Experian, and XXXX  on or around [ insert date you mailed or emailed them ], along with documentation including ID, proof of address, and copies of my credit reports highlighting the issues. To date, no meaningful corrections or confirmations have been received. 

I am requesting that the credit bureaus either verify the complete and accurate details of the account with XXXX XXXX or remove the account entirely if it can not be verified within the required timeframe. I also request the removal of any remaining dispute remarks, as the original disputes are no longer active.

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