vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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: IL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here are the items I am asking to be removed : XXXX XXXX XXXX XX/XX/year> in the amount of {$1000.00} An inquiries from the following : Transunion : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> 2024

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 2025-04-08 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: NY

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Request for Equifax to Update Reporting Consistent with XXXX Approved Dispute XXXX recently approved and resolved a dispute for the account labeled XXXX, and acknowledged the creditors agreement to update the account information. I am requesting that Equifax mirror this result and remove or correct the XXXX account from my credit file accordingly. 

This request is made pursuant to the FCRA, which requires that all consumer reporting agencies maintain accurate and verifiable information. I also ask that Equifax handle this request on an expedited basis ( within XXXX hours ), as continued negative reporting of this resolved account is damaging my credit unfairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: PA

Complaint narrative:
I am a victim of identity theft. I did not authorize anyone to use my social security number, date of birth, or financial account information. I became aware of the identity theft on XX/XX/XXXX. 2025 when I noticed the listed unauthorized accounts, charges or activity on my credit report. I did not open these accounts, incur these charges, or authorize any related transactions. I previously lifted the credit freeze from my report to help my daughter with student loans and mistakenly forgot to put the freeze back on. 

FTC Report attached... 

XXXX accounts for XXXX Credit are included on the FTC Report but there are a number of fraudulent accounts that I have discovered being reported XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-08 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: PA

Complaint narrative:
I am a victim of identity theft. I did not authorize anyone to use my social security number, date of birth, or financial account information. I became aware of the identity theft on XX/XX/XXXX. 2025 when I noticed the listed unauthorized accounts, charges or activity on my credit report. I did not open these accounts, incur these charges, or authorize any related transactions. I previously lifted the credit freeze from my report to help my daughter with student loans and mistakenly forgot to put the freeze back on. 

FTC Report attached... 

XXXX accounts for XXXX Credit are included on the FTC Report but there are a number of fraudulent accounts that I have discovered being reported XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXXXXXX 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 2025-04-08 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: 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 :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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 am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

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 2025-04-08 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: GA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXXXXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : $ XXXX Charged off XXXX XXXX XXXXXXXX XXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : $ XXXX Charged off XXXXXXXX XXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : $ XXXX Charged off XXXX XXXX XXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : $ XXXX Charged off XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : $ XXXX Charged off XXXX XXXX Account Number XXXX Date Open : XXXX XXXX, XXXX Balance : $ XXXX Charged off XXXXXXXX  Account Number XXXX Date Open : XXXX XXXX, XXXX Balance : $ XXXXCharged off XXXX  Account Number XXXX Date Open : XX/XX/XXXX Balance : $ XXXX Charged off XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX Date Open : XX/XX/XXXX Balance XXXX $ XXXX Charged off XXXX XXXX XXXX Account Number XXXX Date Open : XXXX XXXX, XXXX Balance : $ XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XX/XX/XXXX Balance : {$2000.00} Collection XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XX/XX/XXXX Balance : {$880.00} Collection XXXXXXXX XXXX XXXX  Original Creditor : XXXX XXXX ) Account Number XXXX XX/XX/XXXX Balance : {$540.00} Collection XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$5500.00} Collection

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 2025-04-08 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:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15. US. Code 168e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following item from my credit report, immediately. 

Listed below are the Accounts that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX  - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: NJ

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15. US. Code 168e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following item from my credit report, immediately. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Public Records that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged 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 non-monetary relief
Consumer complaint received 2025-04-08 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: NJ

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15. US. Code 168e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following item from my credit report, immediately. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Public Records that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged 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 2025-04-08 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: WI

Complaint narrative:
On XX/XX/XXXX nd I noticed inaccuracies on my credit profile i sent a letter certified to XXXX, XXXX and trans union on XX/XX/XXXX asking them to investigate these accounts along with a FTC report and I have yet to hear anything back from them my FTC report number is XXXX according to 1681i ( a ) ( 1 ) ( A ) Reinvestigation of Disputed Information If the completeness or accuracy of any item of information contained in a consumers file is disputed by the consumer and the consumer notifies the agency directly, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate within 30 days of the date on which the agency receives the notice of the dispute from the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: WI

Complaint narrative:
On XX/XX/XXXX nd I noticed inaccuracies on my credit profile i sent a letter certified to XXXX, XXXX and trans union on XX/XX/XXXX asking them to investigate these accounts along with a FTC report and I have yet to hear anything back from them my FTC report number is XXXX according to 1681i ( a ) ( 1 ) ( A ) Reinvestigation of Disputed Information If the completeness or accuracy of any item of information contained in a consumers file is disputed by the consumer and the consumer notifies the agency directly, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate within 30 days of the date on which the agency receives the notice of the dispute from the 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 2025-04-08 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: TX

Complaint narrative:
In review of my credit profile I came across quite a few inquiries that are not 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 non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Fl, XXXX XX/XX/year> Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Account Name : XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : XXXX Inquiry Date : XX/XX/year> Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities.

I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue. 

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 2025-04-08 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 am filing this complaint due to multiple violations of the Fair Credit Reporting Act ( FCRA ), FDCPA, and CFPB guidelines concerning the reporting and collection of the above-referenced account by XXXX XXXX XXXX XXXX 

Violations Identified : Failure to Validate Debt Under 15 U.S. Code 1692g ( b ) : Despite my dispute being noted on all three credit bureaus, XXXX XXXX has failed to provide verifiable documentation proving the debt is valid, including the original signed contract, itemized statements, and a full chain of title from the original creditor. 
Inaccurate and Misleading Reporting in Violation of FCRA 623 ( 15 USC 1681s-2 ) : All three bureaus show identical balances across the board ( {$470.00} ), yet no supporting payment history or updates have been made since XX/XX/2021. 
The Status is reported generically as Collection account/ Account seriously past due, but no documentation has been provided to show proper notice was issued prior to collection or assignment.

The agency name is inconsistent or blank on some reports, which is misleading and fails the standard of complete and accurate data.

Continued Reporting While Account is Disputed ( Violation of 15 USC 1692e ( 8 ) ) : The account is clearly marked as disputed by the consumer on all bureaus, yet XXXX continues to report the debt monthly without resolving the dispute or ceasing reporting, which is deceptive and unlawful. 
Lack of Proper Legal Standing to Collect or Report ( FDCPA Violation ) : XXXXXXXX XXXX has not shown that they are legally authorized to collect or report this debt on behalf of XXXX XXXX XXXX XXXX XXXX 
There is no contract or assignment proof publicly available or provided to the consumer that confirms the debt was legally transferred. 
Violation of the Consumer 's Right to Privacy : Reporting a collection account without validating the debt and without consumer consent to share potentially inaccurate information violates consumer privacy rights under both FCRA and state laws.

Requested Resolution : I am demanding the immediate deletion of this account from Equifax, TransUnion, and Experian due to : Ongoing inaccurate and unverifiable reporting Failure to validate the debt Continued furnishing of information during an active dispute Potentially illegal collection activity without legal standing If XXXX XXXX XXXX can not verify this debt with documented proof, including original signed contracts and full ownership chain, they must cease and desist reporting immediately per FCRA and FDCPA guidelines.

Company response to consumer: Closed with non-monetary relief