vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 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: FL

Complaint narrative:
I am filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate and misleading information being reported on my credit file by Experian and Transunion and the credit reporting agencies. This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), and I am requesting immediate action to rectify this issue.

Details of the Inaccurate Account The account in question is listed as follows : Creditor Name : Military Star Credit Card Account Number : ( as reported by Experian and TransUnion ) Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX ( Transunion )/ XX/XX/XXXX ( Experian ) Balance Reported : {$12000.00} ( Tranunion )/ {$12000.00} ( Experian ) Credit Limit : {$8600.00} Account Utilization : Shows 143 % ( Transunion and Experian ) Violations and Inaccuracies Balance Exceeds Credit Limit : The reported balance ( {$12000.00} ) exceeds the credit limit ( {$12000.00} ) exceeds the credit limit ( {$8600.00} ), resulting in an impossible utilization rate of 143 %. This is mathematically and legally incorrect, as a balance can not exceed the credit limit on a revolving account.

Misleading Payment Status : The payment history is marked as " Missed Payment '' and " Other, '' yet no payment data is available for the past two years, which is contradictory and misleading.

Failure to Investigate : Despite my attempts to dispute this inaccurate information directly with the credit bureaus, the issue remains unresolved.

Violations Identified Fair Credit Reporting Act ( FCRA ) : The FCRA requires credit reporting agencies to ensure the accuracy and fairness of the information they report. The discrepancies and inaccuracies in this account violate this requirement.

Truth in Lending Act ( TILA ) : Creditors are required to provide accurate and transparent information about credit terms and balances. Reporting a balance that exceeds the credit limit is a violation of this law.

Actions Requested I am requesting the following actions from the CFPB : Demand Removal of the Account : Require the credit bureaus to remove this account from my credit report due to the inaccuracies and violations.

Ensure Compliance : Ensure that the creditor and credit bureaus comply with the FCRA and TILA moving forward.

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 2025-03-19 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: OH

Complaint narrative:
Subject : Formal Dispute and Request for Removal of Late Payments Ally Financial Account Dear TransUnion Dispute Department, I am writing to formally dispute the late payment notations on my Ally Financial auto loan account that are being reported on my TransUnion credit report. The details of the disputed account are as follows : Creditor : Ally Financial Nature of Dispute : Inaccurate or unfairly reported late payments Under my rights as a consumer pursuant to the Fair Credit Reporting Act ( FCRA ) and related federal laws, I am requesting that these late payments be removed from my credit file based on the following legal grounds : 1. FCRA ( 15 U.S.C. 1681 et seq. ) This law requires that all data reported to credit bureaus be accurate, fair, and verifiable. If XXXX XXXX can not provide verifiable proof that these late payments were reported in full compliance with federal law, they must be removed.

2. 15 U.S.C. 1666b ( Credit Billing Act Timing of Payments ) This law mandates that payments must be credited on the date they are received. If XXXX XXXX failed to properly process or credit my payments in a timely manner, the reported late payments may be inaccurate and must be corrected.

3. FCRA 1681s-2 ( a ) Duty of Furnishers This section places a responsibility on data furnishers ( XXXX XXXX ) to report only accurate information and correct any inaccuracies once notified. If these late payments resulted from an error or reporting failure, they must be removed.

Request for Action : I am formally requesting that TransUnion : 1. Conduct a full investigation into the reported late payments on my XXXX XXXX account. 

2. Obtain verification from XXXX XXXX proving the accuracy and legitimacy of these late payments. 

XXXX. If the late payments can not be verified with legally sufficient documentation, remove them immediately from my credit report. 

Under the FCRA, XXXX has 30 days to complete this investigation and provide me with a written response. If these inaccurate late payments are not corrected or removed, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and considering legal action if necessary. 

Please send me written confirmation of the results of your investigation at the address above. If any additional information is required from me, please contact me in writing. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: PA

Complaint narrative:
i received a email from Experain stated that a new account was open on my account from XXXX XXXX card that i did not approve i called XXXX and had the card cancelled, and also there are a few inquires i did not approve nor have knowledge of so i filed a claim with XXXX XXXX attached XXXX, XX/XX/XXXXXXXX  *XXXX  XXXX, on XX/XX/XXXXXXXX  XXXX, XX/XX/XXXXXXXX  *XXXX, on XX/XX/XXXXXXXX  XXXX, on XX/XX/XXXX *XXXX XXXX, on 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 2025-03-20 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: PA

Complaint narrative:
i received a email from Experain stated that a new account was open on my account from XXXX XXXX card that i did not approve i called XXXX and had the card cancelled, and also there are a few inquires i did not approve nor have knowledge of so i filed a claim with XXXX XXXX attached XXXX, XX/XX/XXXXXXXX  *XXXX  XXXX, on XX/XX/XXXXXXXX  XXXX, XX/XX/XXXXXXXX  *XXXX, on XX/XX/XXXXXXXX  XXXX, on XX/XX/XXXX *XXXX XXXX, on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
I am writing to formally file a complaint against Exeter Finance LLC regarding an inaccurate late payment that has been reported on my credit report. This inaccurate reporting is a direct violation of my consumer rights under the Fair Credit Billing Act, including 15 U.S.C. 1666, 15 U.S.C. 1666b, and 15 U.S.C. 1666c. 

Details of the Complaint : Creditor : Exeter Finance LLC Account Number : XXXX Date of Alleged late payment [ XX/XX/year> ] Exeter Finance has reported that I made a late payment on the above-referenced account. However, this reporting is inaccurate, and I have documentation to prove that the payment was made on time and in accordance with the terms of my agreement. Despite providing this evidence to Exeter Finance, they have failed to correct the reporting error.

Legal Violations : 1. 15 U.S.C. 1666 Under this section, I have the right to dispute any billing error, including inaccurate reporting of payments. Exeter Finance has
failed to provide evidence supporting the validity of the late payment and has neglected to correct this inaccurate information.

2. 15 U.S.C. 1666b This section regulates the timing of crediting payments. My payment was made on time, and Exeter Finance failed to properly credit the payment in accordance with this federal requirement.

3. 15 U.S.C. 1666c This section protects consumers from unfair credit reporting practices. Exeter Finances failure to credit my payment accurately has resulted in an incorrect late payment being reported, which has negatively impacted my credit score.

Requested Resolution : I am requesting that the CFPB investigate this matter and require Exeter Finance to : 1. Remove the inaccurate late payment from my credit report.

2. Ensure that all major credit bureaus update my credit report to reflect accurate information.

3. Cease any further reporting of this inaccurate late payment.

I have attached all supporting documentation, including proof of payment and correspondence with Exeter Finance, for your review.

Thank you for your time and attention to this matter. I trust that the CFPB will take swift action to resolve this issue and uphold my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: TX

Complaint narrative:
I am writing to formally dispute a claim of civil liability for negligence as it pertains to two collections on my credit by XXXX XXXX XXXX. 
I believe that the negligence claim lacks merit and am asserting that no violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., has occurred, nor should I be held liable under Section 1681o of the FCRA.

Under 15 U.S.C. 1681o, an individual or entity may be held civilly liable for negligence if they fail to comply with the requirements of the FCRA.

Also, Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
What happened? 
After reviewing my Experian credit report, I found multiple errors and fraudulent activity that are unfairly affecting my credit score. These issues include a fraudulent account, an incorrect late payment, and an unauthorized hard inquiry.

1. Fraudulent Accounts Opened Without My Consent The following accounts were fraudulently opened in my name without my authorization : XXXX XXXX  XXXX ( XXXX ) Opened on XX/XX/XXXX XXXX XXXXXXXX ( XXXX ) Opened on XX/XX/XXXX I have never applied for or used these accounts. They were opened without my consent, and I have already filed an identity theft report with the FTC ( Report Number : XXXX ) confirming that both accounts are fraudulent. 
I request the immediate removal of these fraudulent accounts from my credit report. 

2. Incorrect Late Payment Reported The following account belongs to me, but Experian has incorrectly reported a late payment on it. This is a serious reporting error : XXXX XXXX XXXX ( Account ending in XXXX, Opened on XXXX ) This late payment is not accurate. I have never made a late payment on this account. Additionally, the other credit bureaus do not report any late payment on this account, confirming that this is a reporting error by Experian. 
I request that Experian remove this incorrect late payment and update my payment history to accurately reflect my on-time payments. 

3. Unauthorized Hard Inquiry XXXX XXXX  Inquiry by XXXXXXXX XXXX on Experian ( Reported on XX/XX/XXXX ) This credit inquiry was performed without my authorization and is related to identity theft. 
I never applied for credit with this institution, and this hard inquiry is unfairly lowering my credit score.

I request the immediate removal of this unauthorized inquiry from my Experian credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate and unauthorized reporting of my account ( s ) on my credit report. Under multiple federal statutes, including the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 & 6802 ), the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), and the Identity Theft and Fraud Enforcement Act ( 18 U.S.C. 1028A ), you are legally obligated to protect my personal and financial information and ensure that my data is not misused, shared, or reported unlawfully.

Violations of Federal Laws 1. 15 U.S.C. 6801 & 6802 ( Gramm-Leach-Bliley Act ) o You are required to safeguard my nonpublic personal information ( NPI ) and ensure that it is not shared or misused without my explicit consent.

o Any reporting of my financial information without my consent constitutes a violation of federal privacy standards.

2. 15 U.S.C. 1681b ( 2 ) ( Fair Credit Reporting Act Permissible Purpose Requirement ) o You must have my direct written consent to access or report my credit information.

o If you obtained or shared my information without this consent, you are in violation of this statute.

3. 18 U.S.C. 1028A ( Aggravated Identity Theft ) o Reporting or using my personal financial information without legal authorization may be considered identity theft under federal law, punishable by criminal penalties.

4. 15 U.S.C. 1681q ( Obtaining Information Under False Pretenses ) o If my information was accessed, reported, or used without my knowledge or under false pretenses, this is a direct violation and may result in legal liability.

5. 15 U.S.C. 1681n ( Civil Liability for Willful Noncompliance ) o Willfully reporting false, misleading, or inaccurate information subjects you to civil liability, including damages, attorney fees, and punitive damages.

6. 15 U.S.C. 1681c-2 ( Blocking Information Resulting from Identity Theft ) o I demand the immediate blocking and deletion of any fraudulent or inaccurate information on my credit report, as required by law.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX ACCT # XXXX XXXX XXXX  Acct # XXXX XXXX Late Payments. 

XXXX ACCT # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: MD

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-03-19 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:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 a 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below : : EQUIFAX : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: IN

Complaint narrative:
I am writing to formally dispute the inaccurate and unauthorized reporting of my account ( s ) on my credit report. Under multiple federal statutes, including the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 & 6802 ), the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), and the Identity Theft and Fraud Enforcement Act ( 18 U.S.C. 1028A ), you are legally obligated to protect my personal and financial information and ensure that my data is not misused, shared, or reported unlawfully.

Violations of Federal Laws 1. 15 U.S.C. 6801 & 6802 ( Gramm-Leach-Bliley Act ) o You are required to safeguard my nonpublic personal information ( NPI ) and ensure that it is not shared or misused without my explicit consent.

o Any reporting of my financial information without my consent constitutes a violation of federal privacy standards.

2. 15 U.S.C. 1681b ( 2 ) ( Fair Credit Reporting Act Permissible Purpose Requirement ) o You must have my direct written consent to access or report my credit information.

o If you obtained or shared my information without this consent, you are in violation of this statute.

3. 18 U.S.C. 1028A ( Aggravated Identity Theft ) o Reporting or using my personal financial information without legal authorization may be considered identity theft under federal law, punishable by criminal penalties.

4. 15 U.S.C. 1681q ( Obtaining Information Under False Pretenses ) o If my information was accessed, reported, or used without my knowledge or under false pretenses, this is a direct violation and may result in legal liability.

5. 15 U.S.C. 1681n ( Civil Liability for Willful Noncompliance ) o Willfully reporting false, misleading, or inaccurate information subjects you to civil liability, including damages, attorney fees, and punitive damages.

6. 15 U.S.C. 1681c-2 ( Blocking Information Resulting from Identity Theft ) o I demand the immediate blocking and deletion of any fraudulent or inaccurate information on my credit report, as required by law. 
XXXX XXXX Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX ACCT XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX ACCT # XXXX Late Payments. 
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