vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 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: GA

Complaint narrative:
FASFA constantly harassing me. Company has not updated credit report as told.

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 2025-03-02 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: GA

Complaint narrative:
FASFA constantly harassing me. Company has not updated credit report as told.

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 2025-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kikoff Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Please review the Inaccurate Information being report : Under the FCRA, you are required to : Conduct a proper investigation into my dispute. 
Inform me of the results of your investigation in a clear and comprehensible manner. 
Provide me with any documentation you rely on if the disputed information is verified as accurate. 
Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. 
If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. 
Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies. 
Thank you for addressing this matter promptly. I look forward to your response within the legally mandated XXXX timeframe. 
Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: TX

Complaint narrative:
Consumer Name : ( Strawman Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$18000.00} XXXX # XXXXXXXX XXXX XXXX XXXX {$750.00} XXXX # XXXX INQUIRES : 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 XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-03-02 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: NY

Complaint narrative:
Dear CFPB, I am filing a formal complaint regarding inaccurate delinquency reporting on my credit file related to my student loans. XXXX incorrectly reported my loans as delinquent in XX/XX/year> to all three major credit bureausXXXX XXXXXXXX, and TransUnion. This reporting is inaccurate for the following reasons : -My loans were in forbearance, meaning no payments were due at the time. 
-The loan balance was transferred from XXXX XXXX XXXX ( a federal student loan agency ) in XX/XX/year>, meaning XXXX XXXX longer serviced or owned the loan at the time of the reported delinquency. 
-I have no recordelectronic or papershowing that any payment was due for the reported period. 
-There is no documentation indicating that I was required to make payments on the dates associated with the delinquency.

Since this erroneous reporting has negatively impacted my credit score, I request CFPBs assistance in investigating this matter and ensuring that these inaccuracies are removed from my credit report. I ask that CFPB hold XXXX and the credit bureaus accountable for reporting only verifiable and accurate information per the Fair Credit Reporting Act ( FCRA ). 

I appreciate your prompt attention to this issue. Please keep me informed of any actions taken regarding my complaint. 
Thank you.

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 2025-03-02 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: NY

Complaint narrative:
Dear CFPB, I am filing a formal complaint regarding inaccurate delinquency reporting on my credit file related to my student loans. XXXX incorrectly reported my loans as delinquent in XX/XX/2025 to all three major credit bureausXXXX, Equifax, and XXXX. This reporting is inaccurate for the following reasons : -My loans were in forbearance, meaning no payments were due at the time. 
-The loan balance was transferred from XXXX XXXX XXXX ( a federal student loan agency ) in XX/XX/2025, meaning XXXX no longer serviced or owned the loan at the time of the reported delinquency. 
-I have no recordelectronic or papershowing that any payment was due for the reported period. 
-There is no documentation indicating that I was required to make payments on the dates associated with the delinquency. 

Since this erroneous reporting has negatively impacted my credit score, I request CFPBs assistance in investigating this matter and ensuring that these inaccuracies are removed from my credit report. I ask that CFPB hold XXXX and the credit bureaus accountable for reporting only verifiable and accurate information per the Fair Credit Reporting Act ( FCRA ). 

I appreciate your prompt attention to this issue. Please keep me informed of any actions taken regarding my complaint. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: NY

Complaint narrative:
Dear CFPB, I am filing a formal complaint regarding inaccurate delinquency reporting on my credit file related to my student loans. XXXX incorrectly reported my loans as delinquent in XX/XX/year> to all three major credit bureausExperian, XXXX, and XXXX. This reporting is inaccurate for the following reasons : -My loans were in forbearance, meaning no payments were due at the time. 
-The loan balance was transferred from XXXX XXXX XXXX ( a federal student loan agency ) in XX/XX/year>, meaning XXXX XXXX longer serviced or owned the loan at the time of the reported delinquency. 
-I have no recordelectronic or papershowing that any payment was due for the reported period. 
-There is no documentation indicating that I was required to make payments on the dates associated with the delinquency. 

Since this erroneous reporting has negatively impacted my XXXX XXXX, I request CFPBs assistance in investigating this matter and ensuring that these inaccuracies are removed from my credit report. I ask that CFPB hold XXXX and the credit bureaus accountable for reporting only verifiable and accurate information per the Fair Credit Reporting Act ( FCRA ). 

I appreciate your prompt attention to this issue. Please keep me informed of any actions taken regarding my complaint. 
Thank you.

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 2025-03-02 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: SC

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: OH

Complaint narrative:
Inquiries : XXXX Inquiry Date : XX/XX/year> XXXX Inquiry Date : XX/XX/year> XXXX  Inquiry Date : XX/XX/year> XXXX XXXX  Inquiry Date : XX/XX/year> XXXX XXXX Inquiry Date : XX/XX/year> XXXX Inquiry Date : XX/XX/year> XXXX XXXX  Inquiry Date : XX/XX/year> XXXX Inquiry Date : XX/XX/year>XXXX XXXX XXXX Inquiry Date : XX/XX/year> XXXX Inquiry Date : XX/XX/year> XXXX Inquiry Date : XX/XX/year> XXXX Inquiry Date : XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: OH

Complaint narrative:
Inquiries : XXXX Inquiry Date : XX/XX/year> XXXX Inquiry Date : XX/XX/year> XXXX  Inquiry Date : XX/XX/year> XXXX XXXX  Inquiry Date : XX/XX/year> XXXX XXXX Inquiry Date : XX/XX/year> XXXX Inquiry Date : XX/XX/year> XXXX XXXX  Inquiry Date : XX/XX/year> XXXX Inquiry Date : XX/XX/year>XXXX XXXX XXXX Inquiry Date : XX/XX/year> XXXX Inquiry Date : XX/XX/year> XXXX Inquiry Date : XX/XX/year> XXXX Inquiry Date : XX/XX/year>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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I am submitting this formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to request an update to my personal information as reported in my credit file. I recently obtained a copy of my credit report and discovered that some of my personal information is inaccurate or outdated. As per my rights under the FCRA, I request that you investigate this matter and make the necessary corrections within 30 days. 

Below are the details of the incorrect or outdated information : 1. Incorrect Name : My legal name is XXXX XXXX XXXX, but my credit report incorrectly lists it otherwise. Under the FCRA, inaccurate information must be corrected promptly. I request that my name be updated to reflect my legal identity. 
2. Outdated Address : My current residential address is XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX, yet my credit report still lists outdated addresses : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 3. Since outdated addresses can lead to identity verification issues and potential fraud risks, I formally request that my current address be updated immediately. 
Supporting Documentation : I have enclosed the following supporting documents to verify the accuracy of my information : A copy of my drivers license or passport displaying my correct legal name. 
A recent utility bill or bank statement showing my current address. 
Legal Basis and Request for Confirmation : Under FCRA 15 U.S.C. 1681i, TransUnion is required to investigate and correct inaccurate information within 30 days of receiving this dispute. Therefore, I formally request written confirmation once the corrections have been made, along with an updated copy of my credit report reflecting these changes. 

If this matter is not resolved within the legally mandated timeframe, I reserve the right to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and take further legal action if necessary. 

Thank you for your prompt attention to this matter. I look forward to your written confirmation.

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 2025-03-02 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: NC

Complaint narrative:
They had a data breach of information and I would like for my credit report to be deleted because of such breach I've been saying the things on my report are all wrong

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 2025-03-02 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX was supposed to be a soft inquiry. It was to see if I was pre qualified for a car loan. It wasnt supposed to affect my credit score. It didnt do anything to help me and I would like it removed. The company used entrapment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by all three major credit bureaus ( XXXX, XXXX, and TransUnion ) and several creditor companies. 

Over the past six months, I have consistently sent Debt Validation and Dispute Letters to both the credit bureaus and the respective creditors as per my rights under 15 U.S.C. 1681i ( FCRA ) and 15 U.S.C. 1692g ( FDCPA ). Despite these efforts, the following violations have occurred : 1. Failure to Properly Investigate Disputes ( FCRA 611 ( a ) ) The credit bureaus are required to conduct a reasonable investigation within 30 days of receiving my dispute. Instead, I have received generic stall letters that fail to address my concerns or provide adequate responses to the evidence I submitted.

2. Failure to Provide Debt Validation ( FDCPA 809 ( b ) ) The creditors have continued to send collection notices without providing proper validation of the debts I disputed. This is a clear violation of the FDCPA, which mandates that a debt collector must cease collection efforts until proper validation is provided.

3. Reinsertion of Disputed Items Without Notification ( FCRA 611 ( a ) ( 5 ) ( B ) ) Items I have disputed and requested to be removed have reappeared on my credit report without the required notice or validation, further damaging my credit score. 
4

. Injurious and Misleading Reporting ( FCRA 623 ( a ) ( 1 ) ( A ) ) The reporting of inaccurate and unvalidated debts has caused significant harm to my financial and credit health. This has impacted my ability to secure credit on fair terms, violating my consumer rights. 5. Unfair Practices and Harassment ( FDCPA 806 ) The repeated collection attempts by creditors without validating the debts constitute harassment and unfair practices under the FDCPA.

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 2025-03-02 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: MS

Complaint narrative:
Equifax Customer Data Breach ( XXXX XXXX ) XXXX XXXX. XXXX Customer Data Breach ( Case XXXX ) Violations of : 1. Reinsertion of Deleted Item : 15 USC 1681i ( 5 ) ( b ) ( XXXXXXXX XXXX XXXX XXXX. Late Payments : 15 USC 1681 a ( 2Xi ) ; 15 USC 1681 3. Permissible Purpose : 15 USC 1681b 4. Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 5. Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) 6. Verification : 15 USC 1681i ( 7 ) I, XXXX XXXX, declare under penalty of perjury that the following statements are true relating specific debts reflecting on my credit profile. The circumstances surrounding these alleged debts raise tremendous ethical and legal issues, involving fraud and coercive practices. These practices have led to an unjust financial obligation on my part, as my SSN has been used as a personal and financial gain illegally. The accounts are : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX : Date Fraud Begun : XX/XX/year> I attest that the alleged debts associated with these accounts do not reflect my financial responsibilities and are in result of practices that are deemed fraudulent. I am disputing these accounts and request that by resolving this dispute that they are blocked and deleted from my credit profile. By doing so is crucial to rectifying the inaccuracies and relieving the undue burden they have imposed on my financial standing. I am aware of my rights under federal and Mississippi state laws regarding credit reporting and identity theft. I declare under penalty of perjury that the information provided in this affidavit and accompanying documentation is accurate and truthful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
DATA BREACH BREACH OF PERSONAL INFORMATION - UNKNOWN HARD CREDIT PULLS ATTEMPTS TO ACQUIRE CREDIT FAILURE TO CLOSE AND REMOVE PAID ACCOUNTS

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
DATA BREACH BREACH OF PERSONAL INFORMATION - UNKNOWN HARD CREDIT PULLS ATTEMPTS TO ACQUIRE CREDIT FAILURE TO CLOSE AND REMOVE PAID ACCOUNTS

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
DATA BREACH BREACH OF PERSONAL INFORMATION - UNKNOWN HARD CREDIT PULLS ATTEMPTS TO ACQUIRE CREDIT FAILURE TO CLOSE AND REMOVE PAID ACCOUNTS

Company response to consumer: Closed with explanation