vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 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: GA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 2025-08-10 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX DOB : XX/XX/XXXX SSN : XXXX XX/XX/XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX ( XXXX ) XXXX Dispute Department : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. 

Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : - Incorrect Address ( es ) : XXXX XXXX XXXX XXXX, XXXX, Fl XXXX Correct Information to Be Reported : My correct address is : XXXX XXXX XXXX XXXX XXXX, Fl XXXX I request that you correct this information promptly, as these errors may harm my credit history and misrepresent my identity, potentially linking me to fraudulent activities.

Additionally, I ask that all phone numbers listed on my credit report be deleted, as I have been a victim of unsolicited robocalls. 

Please also be advised that I have formally opted out of any binding arbitration agreements with your company and am prepared to exercise my legal rights if necessary. 

Under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am requesting the removal of any inaccurate or negative information from my credit report. I expect to receive an updated report reflecting these corrections within 30 days, as required by law. Thank you for your attention to this matter. I look forward to your prompt response. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-08-10 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: PA

Complaint narrative:
I noticed that U.S Bankruptcy court for the eastern district of XXXX  was listed as the data furnisher for a bankruptcy that was shown on my credit report. I am disputing a bankruptcy entry on my credit report that I believe is inaccurate and/or can not be verified. I contacted the U.S Bankruptcy court for the eastern district of XXXX  to ask about their credit reporting procedures. I am requesting that the CFPB investigate this matter and require the credit bureau to either provide verifiable documentation from the court or remove the bankruptcy from my credit file in compliance with FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I noticed that U.S Bankruptcy court for the eastern district of XXXX  was listed as the data furnisher for a bankruptcy that was shown on my credit report. I am disputing a bankruptcy entry on my credit report that I believe is inaccurate and/or can not be verified. I contacted the U.S Bankruptcy court for the eastern district of XXXX  to ask about their credit reporting procedures. I am requesting that the CFPB investigate this matter and require the credit bureau to either provide verifiable documentation from the court or remove the bankruptcy from my credit file in compliance with 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 2025-08-10 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 was recently made aware that my identity was stolen due to data breach and my personal info was exposed and as a result my info was use to open fraudulent accounts that are on my credit report and has me now getting collections calls and letters. ive had credit cards, bank accounts and loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. also there are inquires from 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 non-monetary relief
Consumer complaint received 2025-08-10 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: NC

Complaint narrative:
I was recently made aware that my identity was stolen due to data breach and my personal info was exposed and as a result my info was use to open fraudulent accounts that are on my credit report and has me now getting collections calls and letters. ive had credit cards, bank accounts and loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. also there are inquires from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: NJ

Complaint narrative:
Remove the XXXX XXXX XXXX XXXX account from my Experian credit report immediately. This account is inaccurate, unverifiable, and has been disputed XXXX separate times, including a formal CFPB complaint, yet Experian continues to report it without providing any proof of verification from the furnisher, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

Account Information : Creditor Name XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Amount Charged Off : {$39000.00} Status : Collection/Charge-off Marked as resolved without proof of verification Inaccuracies in the Experian Report : Payment History Errors : Continuous CO ( Charge-off ) notations for multiple months, misleading and inaccurate for a closed account. 

Balance Discrepancy : Experian reports {$39000.00}, while other bureaus report a different balance.

Past Due Amount Error : Full balance is reported as past due, which is incorrect for a charged-off account. 

No Update After Dispute : No correction or deletion made despite multiple disputes. 

False Dispute Status : Listed as Account not disputed despite XXXX prior disputes, including through the CFPB. 

No Proof of Verification : No documentation from the furnisher has been provided to substantiate the reporting. 

Violations of the FCRA Include : 611 ( a ) ( 5 ) ( A ) ( ii ) 15 U.S.C. 1681i ( 5 ) : Failure to delete disputed information after unresolved reinvestigation.

611 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation.

609 ( a ) ( 1 ) 15 U.S.C. 1681g ( a ) ( 1 ) : Failure to provide proof and method of verification.

623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing inaccurate or unverifiable information. 

This violation has caused severe harm. I am in the process of purchasing a home for my family, but this false reporting has stopped me from moving forward. The financial damage and emotional distress from XXXX noncompliance have negatively affected my health and well-being. 

I demand : Immediate removal of the XXXX XXXX XXXX XXXX account from my Experian credit file. 

Written confirmation of removal. 

Full disclosure of any verification documents allegedly used to maintain this reporting. 

I request that the CFPB take immediate enforcement action against Experian to ensure compliance with the FCRA and to correct my consumer 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 2025-08-10 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: NC

Complaint narrative:
I contacted Equifax to dispute some unauthorized hard inquiries. XXXX XXXX XXXX is a XXXX here XXXX here car lot. They ran my credit knowing I would not be approved. They ran my with XXXX Main, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Consumer Portfolio, Professional Finance and XXXX XXXX XXXX. And XXXX XXXX XXXX ran my credit, they should have known I would not be approved by these Lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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 recently reviewed a copy of my credit report an noticed I had fraudulent accounts ( XXXX XXXX XXXX ) on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: GA

Complaint narrative:
my credit report has several errors reporting negatively that are 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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
my credit report has several errors reporting negatively that are inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: AL

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

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-08-10 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-10 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:
My ex boyfriend used my name to apply for several accounts and then literally left me high and dry. I can not locate or find him, he just ghosted me. 
I didn't open these accounts. I would like this to be taken off my credit because its not my account.

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 2025-08-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Remove the fraudulent and unauthorized credit inquiries listed below from my Equifax credit report immediately. I am the victim of identity theft, and these inquiries were made without my knowledge, consent, or any legitimate permissible purpose. 

I am enclosing my FTC Identity Theft Report ( Report No. XXXX ) dated XX/XX/XXXX, filed under my legal name XXXX XXXX XXXX XXXX and current address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. This report confirms that I do not recognize these inquiries and that they are the direct result of identity theft. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the continued reporting of these inquiries constitutes multiple legal violations, including : FCRA 605B 15 U.S.C. 1681c-2 : Requires credit reporting agencies to block identity-theft-related information within four ( 4 ) business days after receiving a valid identity theft report.

FCRA 604 ( a ) ( 3 ) 15 U.S.C. 1681b ( a ) ( 3 ) : Consumer reports may only be accessed for a permissible purpose. Accessing my report without authorization violates my privacy rights.

FCRA 609 ( a ) ( 1 ) 15 U.S.C. 1681g ( a ) ( 1 ) : I have the right to know who accessed my file and under what authority.

FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishing inaccurate or unverifiable information.

FCRA 611 15 U.S.C. 1681i : Requires the bureau to investigate disputed information within 30 days and provide results.

Unauthorized Inquiries to be Removed ( Equifax Total : 6 ) 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 XXXXXX/XX/XXXX ) My Legal Demands : Immediate blocking and removal of all above-listed inquiries. 

Written confirmation that these inquiries have been deleted from my Equifax report.

Full disclosure of any documentation allegedly used to authorize these inquiries.

A copy of the investigation results in compliance with FCRA 611.

Failure to comply with these demands will result in further legal action and escalation to the CFPB for enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A debt collection company named XXXX XXXX XXXX is trying to collect a debt for {$300.00} for an apartment complex named XXXX XXXX  at XXXX XXXX XXXX XXXX texas XXXX. I have never lived at this address, when i requested debt validation from the company they stated they sent notice of the debt to XXXXXXXX XXXX XXXX XXXX XXXXXXXX tn XXXX. I have never lived in tennessee. This does not match my information on file and while i disputed it with transunion they claimed it was validated. This leads me to believe they did not do a proper investigation as 12 CFR 1006.34 ( c ) ( 2 ) ( ii ) states clearly that the validation must match the consumers name and address which it does not so this is not a valid debt and this report is in violation of the fair credit reporting act.

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 2025-08-10 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: FL

Complaint narrative:
The XXXX XXXX XXXX XXXX XXXX XXXX account was opened on XX/XX/XXXX, and closed by the creditor on XX/XX/XXXX. The account was paid in full with a XXXX balance as of XX/XX/XXXX. However, my credit reports show inconsistent information regarding the account status. Although the account is closed and paid, there are records of late payments ( 30 days, 60 days ) and a charge-off reported after the account closure date. These negative entries appear to be inaccurate and unfairly damage my credit score. I have not authorized any late payments or charge-offs after the account was closed and fully paid.

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 2025-08-10 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: FL

Complaint narrative:
The XXXX XXXX XXXX XXXX XXXX XXXX account was opened on XX/XX/XXXX, and closed by the creditor on XX/XX/XXXX. The account was paid in full with a XXXX balance as of XX/XX/XXXX. However, my credit reports show inconsistent information regarding the account status. Although the account is closed and paid, there are records of late payments ( 30 days, 60 days ) and a charge-off reported after the account closure date. These negative entries appear to be inaccurate and unfairly damage my credit score. I have not authorized any late payments or charge-offs after the account was closed and fully paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: FL

Complaint narrative:
The XXXX XXXX XXXX secured credit card account was opened on XX/XX/XXXX, and closed by the creditor on XX/XX/XXXX. The account was paid in full with a XXXX balance as of XX/XX/XXXX. However, my credit reports show inconsistent information regarding the account status. Although the account is closed and paid, there are records of late payments ( 30 days, 60 days ) and a charge-off reported after the account closure date. These negative entries appear to be inaccurate and unfairly damage my credit score. I have not authorized any late payments or charge-offs after the account was closed and fully paid.

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 2025-08-10 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: GA

Complaint narrative:
There are several inaccuracies that have not been resolved on 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