vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 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: NC

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX  XXXX Balance : {$4900.00} XXXX XXXX Balance : {$3300.00} XXXX XXXX Balance : {$730.00} XXXX  XXXX Balance : {$5400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-03-01 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: GA

Complaint narrative:
I am submitting this formal complaint against Experian for failing to properly investigate and remove unauthorized inquiries from my credit report. Under the Fair Credit Reporting Act ( XXXX  ), XXXX XXXX. XXXX, a credit reporting agency is only permitted to disclose my credit report to entities that have a permissible purpose. In this case, Experian has allowed multiple unauthorized inquiries on my credit report without my consent. 
Upon discovering these unauthorized inquiries, I contacted the companies responsible for the inquiries, and they confirmed that they do not have an application or any documentation that would justify these inquiries. When I reached out to Experian to request the removal of these inquiries, they improperly advised me to contact the companies instead of conducting an appropriate investigation as required by law. 
Under XXXX XXXX. XXXX, Experian is required to investigate disputed information within XXXX  days and delete or correct any inaccurate or unverifiable information. Since the companies in question have no records or applications from me, these inquiries must be considered unauthorized and should be immediately removed from my credit report. 
XXXX failure to act violates the FCRA and negatively impacts my creditworthiness. Therefore, I am requesting the CFPB to intervene and ensure that Experian : Conducts a proper investigation into these unauthorized inquiries. 
Immediately removes any inquiries that can not be verified as authorized by me. 
Provides a written confirmation that these inquiries have been deleted. 
Ensures compliance with FCRA regulations to prevent similar violations in the future. 
Please find attached copies of my credit report highlighting the unauthorized inquiries, along with any relevant correspondence. I appreciate your prompt attention to this matter, as these inquiries are unjustly affecting my XXXX XXXX and financial standing.

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 2025-03-01 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: GA

Complaint narrative:
I am submitting this formal complaint against TransUnion for failing to protect my credit report from unauthorized inquiries. I recently discovered that my credit report contains inquiries from companies with whom I have not applied for credit. Upon contacting TransUnion to dispute these inquiries, I was informed that I needed to contact the creditors directly. However, these companies have no record of any application in my name, which confirms that the inquiries were unauthorized. 

Under the Fair Credit Reporting Act ( XXXX  ), XXXX XXXX. XXXX, consumer reporting agencies are required to ensure that credit inquiries appear on a report only when there is a permissible purpose under the law. Since these inquiries were not authorized, TransUnion is in violation of FCRA XXXX ( a ) by allowing them to remain on my report without my consent or a legitimate business need. 

Furthermore, FCRA XXXX ( a ) ( XXXX ) ( A ) states that a consumer reporting agency must delete any information that can not be verified as accurate. Because the creditors have confirmed that no application exists in my name, TransUnion is legally required to delete these inquiries immediately instead of directing me to the creditors who have no record of a transaction. 

This practice is not only negligent but also damaging to my creditworthiness. Unauthorized inquiries negatively impact my XXXX XXXX and XXXX indicate potential identity theft or misuse of my personal information. By failing to act, TransUnion is violating my rights under the FCRA and failing in its duty as a consumer reporting agency. 

I am requesting the immediate removal of all unauthorized inquiries from my credit report. Additionally, I request a written confirmation from TransUnion that these inquiries have been deleted and that my credit file has been corrected accordingly. 

Should TransUnion fail to comply with this request, I am prepared to escalate this matter further, including seeking legal remedies for violations of federal law. 

I appreciate the CFPBs attention to this matter and request a prompt investigation into XXXX improper handling of consumer disputes.

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 2025-03-01 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:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( XXXX  ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( XXXX  ). 

Violations of the FCRA XXXX to XXXX a Reasonable Investigation ( XXXX XXXX. XXXX ( a ) ( XXXX ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
XXXX to Notify Me of Investigation Results ( XXXX XXXX. XXXX ( a ) ( XXXX ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
XXXX to XXXX XXXX XXXX Promptly ( XXXX XXXX. XXXX ) The FCRA requires XXXX reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 

XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested XXXX To resolve this matter, I demand the following actions : XXXX a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
XXXX a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
XXXX block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( XXXX  ), the Federal Trade Commission ( XXXX  ), and potentially pursuing legal remedies. 

XXXX XXXX, XXXX XXXX, XXXX XXXX DELAWARE XXXX, XXXX XXXX XXXX, CAPITAL XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  BANK XXXX, XXXX  BANK XXXX, XXXX CARD XXXX, XXXX CARD XXXX, XXXX CARD XXXX, XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The information in question doesnt belong to me, and its clear that there has been a mistake. I take my financial health seriously, and its important that my credit report reflects only accurate and up-to-date information. As you know, the Fair Credit Reporting Act ( XXXX  ) requires that all information reported on my credit file be accurate and complete. This incorrect information is violating that, and I need it corrected without delay.

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 2025-03-01 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: TX

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 2025-03-01 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: MD

Complaint narrative:
Subject : Request for Verification Under Section XXXX of the Fair Credit Reporting Act Dear Sir/Madam, I am writing to formally request, under Section XXXX of the Fair Credit Reporting Act ( XXXX ), that you provide me with copies of all the information and documents in your possession that pertain to my credit report. Specifically, I am requesting verification of the following negative items that have appeared on my credit report : XXXX. XXXX XXXX Management - Account Number : XXXX - Date Opened : XX/XX/year> - Balance : {$200.00} - Status : Collection Under XXXX U.S.C. XXXX, I am entitled to request all information pertaining to these accounts, including but not limited to : - The original signed agreements for these accounts ( e.g., credit card, loan agreements, etc. ). 

- Documentation showing the amount of debt and the terms and conditions of the contract. 

- Proof of any payments made, including dates and amounts. 

- The full chain of custody or transfer documents if the account has been sold or assigned to a collection agency. 

I request that you send me these documents within the XXXX period provided by the FCRA. If you can not provide verifiable documentation, I respectfully request that you remove these items from my credit report. 

Please note, per XXXX U.S.C. XXXX, if you can not verify the information within XXXX  days, these accounts must be corrected or deleted from my credit file. 

Should you be unable to validate the information as requested, I expect you to immediately remove these entries from my credit report and confirm the deletion in writing. 

I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Ct XXXX, MD 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 2025-03-01 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: PA

Complaint narrative:
Ive noticed errors on my report that are unfairly lowering my scores and affecting my ability to access opportunities. Its frustrating to see mistakes negatively impact my financial future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : 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 non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit history is over XXXX years old. Ive had credit accounts from the XXXX & XXXX. 

These great credit references show on my credit report but the agencies are NOT showing this positive on my score calculation. The score calculation says credit history XXXX the old.!!!! 

How/ why are they avoiding showing the XXXX years of solid good credit history? 

Its wrong to calculate my history incorrectly.

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 2025-03-01 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, Tx XXXX Subject : Method of Verification Request for Disputed Item Dear XXXX, I recently disputed Portfolio Recovery XXXX on my credit report XX/XX/year>, and your response stated that the item was verified. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ), I am formally requesting the method of verification used to validate this information. 

Please provide : XXXX. The name, address, and contact information of the entity that verified this information. 
XXXX. A detailed explanation of the verification process, including any supporting documentation received from the furnisher. 

If you can not verify this item with proper documentation, please remove it from my credit report immediately and I would like to be compensated for all inaccuracies. 

I expect a response within XXXX  days, as required by law. Failure to comply will result in further action, including possible complaints to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
I am a victim of identity theft and have a current police report on file with Chex Systems. The following inquiries viewed by others currently showing and listed on my Chex Systems Consumer Report : XXXX are fraudulent and unauthorized inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX Bank, XX/XX/XXXX. The inquiries are not my inquiries and the inquiries are all fraudulent and unauthorized.

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 2025-03-01 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Federal Trade Commission XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Subject : XXXX XXXX XXXX TransUnion for XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX am writing to formally lodge a complaint against TransUnion regarding their persistent violation of consumer protection laws, specifically in relation to their credit reporting practices. It has come to my attention that despite the recent actions taken by the Consumer Financial Protection Bureau ( XXXX  ) and the Federal Trade Commission ( XXXX  ) in XX/XX/XXXX, which resulted in a {$23.00} XXXX penalty against TransUnion for illegal practices, the company appears to have reverted to its previous harmful behavior. 

As outlined in the CFPB and FTC findings, TransUnion has failed to adhere to the requirements set forth in XXXX XXXX Code XXXX, which mandates that consumer reporting agencies must implement reasonable procedures to ensure the maximum possible accuracy of consumer reports. Unfortunately, I have experienced firsthand the consequences of TransUnion 's negligence in this regard. 

[ Here, you XXXX include specific details about your experience with TransUnion, including any inaccuracies in your credit report, the impact it has had on your financial life, and any attempts you made to resolve these issues with the company. ] Given the serious nature of these violations and the impact they have on consumers like myself, I urge both the CFPB and the FTC to take immediate action against TransUnion. It is essential for consumer reporting agencies to be held accountable for their actions to ensure the protection of consumer rights and the integrity of credit reporting. 

I look forward to your prompt attention to this matter and hope to see meaningful action taken against TransUnion to prevent further violations of consumer rights. 

Thank you for your consideration. 

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 2025-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-03-01 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: IL

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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