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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I notice several inaccuracies that appeared on my TransUnion credit report. 

First issue is that I notice that there is old inaccurate information on my credit file like old phone numbers and addresses that people could use to created fraudulent activities. I disputed this information online with TransUnion and the information still appears online and not removed. Looks like stuff is several years old. I believe that your credit information is supposed to be 100 % accurate not 90 %. 

Secondly, theres an old account on my file that appears to be Re-Aging each month in the payment section of the file. According to FCRA rules, re-aging is a direct violation of Federal Statute and I know TransUnion is fully aware of this issue as they have dealt with millions of Americans in the past with this same related issue. By re-aging the account past the initial charged off keeps your credit scores low and manipulating the system to credit lows scored to the consumers. Again this is a violation of FCRA and its being done willfully. Consumers are being taken advantage of because of their systems. The account in question is XXXX XXXX XXXX XXXX XXXX Ive asked repeatedly to send me documentation showing my signature of this account along with who they spoke with and the number to the person they spoke with. As of this writing Ive received nothing.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 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. This fraudulent, inaccurate, and false information consists of apartment XXXX on XXXX XXXX, an XXXX XXXX  on XXXX XXXX under the account number ending in XXXX, a utilities XXXX XXXX  retail service on XXXX XXXX under the account number ending in XXXX,. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquires as reported. The aforementioned accounts, collections, and hard inquires appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquires are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( 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

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

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 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. This fraudulent, inaccurate, and false information consists of apartment XXXX on XXXX XXXX, an XXXX XXXX  on XXXX XXXX under the account number ending in XXXX, a utilities XXXX XXXX  retail service on XXXX XXXX under the account number ending in XXXX,. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquires as reported. The aforementioned accounts, collections, and hard inquires appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquires are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( 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

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: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
When they called I requested that they stop calling me and sending me emails. The calls did stop but to this day I get emails a few times a week. They want a repayment plan which i told them I could not afford and yet they still send emails. They closed my accounts in XX/XX/year>, approximately XXXX months after speaking to them.

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: EQUIFAX, INC.
State: DC

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least XXXX days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am requesting the removal of fraudulent accounts and inquiries from my credit report due to identity theft. Citing Section 605B of the Fair Credit Reporting Act, I am asking the credit bureau to block and delete the unauthorized items. Supporting documents, including a list of disputed items and an FTC Identity Theft Report, are enclosed. I requests prompt investigation and written confirmation of the corrections.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: F.H. Cann & Associates, Inc.
State: TX

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my dispute regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX 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 CFPB 's recent administrative proceeding

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: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The personal information on my credit report were outdated.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The personal information on my credit report were outdated.

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 status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Urgent Request to Remove Inaccurate Personal Information from Credit Reports Dear CFPB, Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), I am formally disputing inaccurate personal information appearing on my credit reports from Equifax, Experian, and TransUnion. The following information is incorrect and must be immediately removed : INCORRECT PERSONAL INFORMATION Current Address : Reported : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Status : Never resided at this address Previous Addresses : XXXX XXXX XXXX, XXXX XXXX, GA XXXX ( Never lived here ) XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( Never lived here ) LEGAL BASIS FOR REMOVAL FCRA 1681e ( b ) : Credit bureaus must maintain reasonable procedures for maximum accuracy FCRA 1681i : Consumers have the right to dispute and demand correction of inaccuracies CFPB XXXX XXXX : Requires proper investigation of disputes DEMANDED ACTIONS Immediate deletion of all inaccurate addresses from all three credit bureaus Written confirmation from Equifax, Experian, and TransUnion once corrected Free updated credit reports reflecting these changes Investigation into how this inaccurate information was reported SUPPORTING EVIDENCE I have never resided at any of these addresses Attached : Government-issued ID and proof of current address ( utility bill, lease agreement ) Failure to correct these inaccuracies within 30 days violates federal law. I reserve the right to pursue legal action under FCRA 1681n for willful non-compliance. 

Contact Information : Sincerely,

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: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Urgent Request to Remove Inaccurate Personal Information from Credit Reports Dear CFPB, Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), I am formally disputing inaccurate personal information appearing on my credit reports from Equifax, Experian, and TransUnion. The following information is incorrect and must be immediately removed : INCORRECT PERSONAL INFORMATION Current Address : Reported : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Status : Never resided at this address Previous Addresses : XXXX XXXX XXXX, XXXX XXXX, GA XXXX ( Never lived here ) XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( Never lived here ) LEGAL BASIS FOR REMOVAL FCRA 1681e ( b ) : Credit bureaus must maintain reasonable procedures for maximum accuracy FCRA 1681i : Consumers have the right to dispute and demand correction of inaccuracies CFPB XXXX XXXX : Requires proper investigation of disputes DEMANDED ACTIONS Immediate deletion of all inaccurate addresses from all three credit bureaus Written confirmation from Equifax, Experian, and TransUnion once corrected Free updated credit reports reflecting these changes Investigation into how this inaccurate information was reported SUPPORTING EVIDENCE I have never resided at any of these addresses Attached : Government-issued ID and proof of current address ( utility bill, lease agreement ) Failure to correct these inaccuracies within 30 days violates federal law. I reserve the right to pursue legal action under FCRA 1681n for willful non-compliance. 

Contact Information : Sincerely,

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: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: IN

Complaint narrative:
On the date XX/XX/year> I made an appeal to the vanilla gift card company because I had a gift card that was broken by steam. About XXXX weeks ago I got a replacement card and activated it before eventually leaving it alone until recently, I decided that I wanted to purchase something that was on sale using said replacement card in which I was greeted with an error stating that the security policy of the issuer would not allow me to use it. After that I contacted both metabank who was the issuer as well as the vanilla gift card company to try and get my card fixed in order to be used, both companies left me with loose ends leaving me in a place where I was stuck and unable to do anything which certainly put me into a state of stress that led me here.

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: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to address an issue I encountered while reviewing my credit report from Equifax. I noticed that some of the personal information listed is inaccurate. To ensure the accuracy of my credit report, I kindly request assistance in updating my records with the correct information. Thank you for your attention to this matter. Please remove all incorrect addresses listed on my Equifax credit report such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: NY

Complaint narrative:
Hello, I am submitting this complaint concerning the fraudulent items found in XXXX XXXX, and XXXX Credit Bureaus. I am requesting once again for the removal of these fraudulent items from my credit file. Please review the list of fraudulent items that I would like to be removed in my next update : XXXX XXXX XXXX * * * * Balance : {$40000.00} XXXX XXXX XXXX * * * * Balance : {$0.00} XXXX  XXXX * * * * Balance : {$6900.00} XXXX  XXXX XXXX * * * * Balance : {$4600.00} XXXXXXXX XXXX XXXXXXXX XXXX * * * * Balance : {$4400.00} XXXX XXXXXXXX XXXX * * * * Balance : {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX * * Balance : {$00.00} XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>

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

Complaint narrative:
Hello, I am submitting this complaint concerning the fraudulent items found in XXXX XXXX, and XXXX Credit Bureaus. I am requesting once again for the removal of these fraudulent items from my credit file. Please review the list of fraudulent items that I would like to be removed in my next update : XXXX XXXX XXXX * * * * Balance : {$40000.00} XXXX XXXX XXXX * * * * Balance : {$0.00} XXXX  XXXX * * * * Balance : {$6900.00} XXXX  XXXX XXXX * * * * Balance : {$4600.00} XXXXXXXX XXXX XXXXXXXX XXXX * * * * Balance : {$4400.00} XXXX XXXXXXXX XXXX * * * * Balance : {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX * * Balance : {$00.00} XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello, I am submitting this complaint concerning the fraudulent items found in Experian, Equifax, and TransUnion Credit Bureaus. I am requesting once again for the removal of these fraudulent items from my credit file. Please review the list of fraudulent items that I would like to be removed in my next update : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$470000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$630.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: EQUIFAX, INC.
State: PA

Complaint narrative:
I respectfully request the removal and blocking of the unauthorized accounts listed on my credit report. I did not open these accounts, nor did I provide any authorization for them. As outlined in USC 1681g, I am formally requesting their removal within 15 days. I have included all relevant documents for your reference. The information reported is not only incorrect but also varies across the different credit bureaus.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I AM A VICTIM OF XXXX AND THE INFORMATION LISTED BELOW, WHICH APPEARS ON MY CREDIT REPORT IS THE RESULT OF THE XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE DELETE FROM MY REPORT AND BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PLEASE SEND ME NOTIFICATION OF THE ACTION TAKEN IAPPRECIATE YOUR PROMPT ATTENTION IN THIS MATTER. 

SINCERELY, 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