vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need 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 2025-05-29 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to XXXX  in MAY to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: FL

Complaint narrative:
Hi, Im submitting this complaint becuz Experian is showing a collection account from XXXX XXXX XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX  for {$440.00}, and I honestly dont recognize this debt. I never agreed to it, and I never recieved any kind of bill, notice, or explanation before this showed up on my credit report. 

Under the FDCPA ( 15 U.S.C. 1692g ), I have the right to ask for debt validation, and so far no one has sent me anything real no signed contract, no account statements, no proof that I owe this money.

Also, the FCRA ( 15 U.S.C. 1681i and 1681g ) says I have the right to dispute inaccurate or unverified info and ask for a full reinvestigation. I already did that, and I still havent gotten any actual proof.

Its unfair that this is showing on my credit when theres no confirmation that its even mine.

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 2025-05-29 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: CA

Complaint narrative:
Im reaching out again about multiple unauthorized credit inquiries on my report. I didnt apply for new credit, nor did I give permission for these companies to access my file. These inquiries are not only unapprovedthey appear to be tied to potential identity theft. 
Ive disputed them before, but they still havent been removed. Thats unacceptable. Their continued presence makes me seriously question the security of my personal information and has left me anxious and stressed.

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 2025-05-29 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX  AND EXPERIAN IS IN VIOLATION OF REPORTING XXXX Inaccurate Reporting, Reporting inaccurate personal information, Failure to Investigate Disputes, Unverifiable Information Consequences of FCRA Violations : Civil penalties : Violations can result in fines, damages to the affected consumer, and potentially even imprisonment. 
Legal action : Consumers can sue credit bureaus or other entities for FCRA violations. 
Damaged credit score : Inaccurate reporting can lower your credit score, making it harder to get loans, credit cards, and other financial products

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 explanation
Consumer complaint received 2025-05-29 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:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-05-29 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: CBC Companies, Inc.
State: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Velocity Portfolio Group
State: NY

Complaint narrative:
I discovered that several debt collectors are reporting inaccurate and unauthorized accounts on my credit report. These accounts do not belong to me, and I never opened, authorized, or signed for them. I have disputed these accounts multiple times, and despite that, they remain on my report and are marked as verified without providing any documentation or proper investigation. 

The companies reporting the debts include : XXXX XXXX XXXX, which is reporting XXXX separate accounts ( XXXX XXXX XXXX XXXX XXXXXXXX ). One of these accounts originally had a {$300.00} limit but is now being reported as {$1600.00} a major discrepancy I have not been given any explanation for. 
XXXX XXXX XXXX, which is reporting a XXXX XXXX account for {$1500.00}. 
XXXX XXXX XXXX is reporting a XXXX account for {$2100.00}. 
XXXX XXXX XXXX is reporting a XXXX XXXX XXXX account for {$700.00}. 

None of these companies have my correct address or phone number. I believe they may have acquired this debt through outdated or incorrect third-party data sources or are reporting it under a misidentified or synthetic identity. These are either zombie debts that are not mine or completely fraudulent accounts. 

I requested that these accounts be removed due to lack of verification, and I asked each company to provide : Proof of original signed contracts Correct personal information Explanation for the inflated balances No documents were provided. I also requested that the accounts be marked as in dispute, which some were not a violation of the Fair Credit Reporting Act ( FCRA ). 

In addition, Ive been unable to access my XXXX  report online because the system can not verify my identity, likely due to the incorrect data reported by these debt collectors. This is preventing me from protecting or managing my own credit. 

I am asking the CFPB to investigate and help ensure : These unverifiable accounts are permanently removed These companies stop reporting inaccurate and unauthorized information XXXX  gives me proper access to my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Diverse Funding Associates LLC
State: NY

Complaint narrative:
I discovered that several debt collectors are reporting inaccurate and unauthorized accounts on my credit report. These accounts do not belong to me, and I never opened, authorized, or signed for them. I have disputed these accounts multiple times, and despite that, they remain on my report and are marked as verified without providing any documentation or proper investigation. 

The companies reporting the debts include : XXXX XXXX XXXX, which is reporting XXXX separate accounts ( XXXX XXXX XXXX XXXX XXXX ). One of these accounts originally had a {$300.00} limit but is now being reported as {$1600.00} a major discrepancy I have not been given any explanation for. 
XXXX XXXX XXXX, which is reporting a XXXX XXXX account for {$1500.00}. 
XXXX XXXX XXXX is reporting a XXXX account for {$2100.00}. 
XXXX XXXX XXXX is reporting a XXXX XXXX XXXX account for {$700.00}. 

None of these companies have my correct address or phone number. I believe they may have acquired this debt through outdated or incorrect third-party data sources or are reporting it under a misidentified or synthetic identity. These are either zombie debts that are not mine or completely fraudulent accounts. 

I requested that these accounts be removed due to lack of verification, and I asked each company to provide : Proof of original signed contracts Correct personal information Explanation for the inflated balances No documents were provided. I also requested that the accounts be marked as in dispute, which some were not a violation of the Fair Credit Reporting Act ( FCRA ). 

In addition, Ive been unable to access my XXXX  report online because the system can not verify my identity, likely due to the incorrect data reported by these debt collectors. This is preventing me from protecting or managing my own credit. 

I am asking the CFPB to investigate and help ensure : These unverifiable accounts are permanently removed These companies stop reporting inaccurate and unauthorized information XXXX  gives me proper access to my credit file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: MO

Complaint narrative:
Following a serious data breach, fraudulent accounts have been added to my credit report. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request their removal and blocking within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX MO XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$3900.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$280.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$230.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00} Inquiries XXXX XXXX Date : 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 non-monetary relief
Consumer complaint received 2025-05-29 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: AL

Complaint narrative:
Received a letter from transition in regards to needing additional information to verify who I am. The letter dated XX/XX/year> was received on XX/XX/year>. The requested asked for documentation such as court orders and notarized statements verifying the information. The required documents such as the social security card, current drivers license, and bank statement with current mailing address was sent to transition earlier in the month. this is the information, I'm sending back to them as per this link as the date for return of the information is on XX/XX/year> and know this information will not arrive to them via mail before then, especially since it took nine days for me to receive this letter. 

Here is the letter transcribed to send to Transunion. 

XX/XX/year> TransUnionLLC XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX Re : Third Party Request - Docs Required by XX/XX/year> I appreciate your response to my letter asking to have information on my credit report updated to my legal name, provided to you, however dont understand the information you are requesting. 

In my previous mailing, I provide the requested documents of a State Issued DL, SS Card and Bank Statement verification. In lieu of this information, you sent a response Your letter inquires about a credit report belonging to someone other than your self. In order to process your request, you will need to provide TransUnion with a document that shows power of attorney that authorizes you to obtain the credit information of the above-named individual. This document must reflect a court-stamp/seal of a notary public in order for Transunion to comply with your request. Without any legally binding documents, Transunion does not have the duty to disclose any information a credit report to a third party. 

Well, here is my concern with that. I provided the requested documentation as per your site policy and procedures. It clearly has my picture, social security card and address on the documentation. Therefore I am requesting the following : Kindly clarify exactly why you need a notarys court stamp/seal in addition to the documentation Ive already provided. Please cite the specific law or regulation that requires this information. 

Once again, the documents Ive already provided was an updated drivers license, social security card, and bank statement ; can you confirm whether those documents, along with my updated government-issued ID, are insufficient to verify my legal name change? 

Thanks for your time and consideration, 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