vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Im beyond frustrated with the continued presence of false, damaging information on my TransUnion credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make. 

As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part. If TransUnion can not produce direct and unquestionable evidence to support the continued reporting of these entries, then it is obligated by federal law to delete them immediately. This isnt a requestits a demand for compliance. If you continue to ignore my concerns, I will treat this as a willful violation of my rights and take further action to hold you accountable. My creditworthiness is not something I take lightly, and you should not either.

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 2025-06-14 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: TX

Complaint narrative:
These Hard Inquiries don't belong to me, hasn't being authorized by meand has to be removed.Also this as well. Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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:
These Hard Inquiries don't belong to me, hasn't being authorized by meand has to be removed.Also this as well. Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-14 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: IL

Complaint narrative:
Please proceed with blocking and removing the unauthorized accounts currently appearing on my credit report. I did not initiate these accounts and have no knowledge of where they came from. Under USC 1681g, I am requesting their removal within the next 15 days. Ive included the necessary documents for your review. Additionally, the information reported about these accounts varies and is inconsistent across the credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I opened this credit card account XXXX XXXX after utilizing the card it was paid in full. The account was closed on XXXX XXXX I never requested closure of the account, and I was not informed on why it was closed. I believe it may have been wrongfully closed by creditor. I contacted creditor in XXXX after the account closed I requested the account to be removed from my credit report. Unfortunately the account still appears today despite what I was told by the representative. The company violated the Fair Credit Reporting Act and potential unfair practices under the Consumer Protection Laws.

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 2025-06-14 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:
I opened this credit card account XXXX XXXX after utilizing the card it was paid in full. The account was closed on XXXX XXXX I never requested closure of the account, and I was not informed on why it was closed. I believe it may have been wrongfully closed by creditor. I contacted creditor in XXXX after the account closed I requested the account to be removed from my credit report. Unfortunately the account still appears today despite what I was told by the representative. The company violated the Fair Credit Reporting Act and potential unfair practices under the Consumer Protection Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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:
I opened this credit card account XXXX XXXX after utilizing the card it was paid in full. The account was closed on XXXX XXXX I never requested closure of the account, and I was not informed on why it was closed. I believe it may have been wrongfully closed by creditor. I contacted creditor in XXXX after the account closed I requested the account to be removed from my credit report. Unfortunately the account still appears today despite what I was told by the representative. The company violated the Fair Credit Reporting Act and potential unfair practices under the Consumer Protection Laws.

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 2025-06-14 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: GA

Complaint narrative:
I am filing this complaint against Equifax for violations of the Fair Credit Reporting Act ( FCRA ) due to the inaccurate and unauthorized reporting of personal information on my consumer report. 

Personal Information : Name : XXXX XXXX Correct Address : XXXX Jordans Way, XXXX, GA XXXX FCRA Violations : Equifax is reporting names, addresses, and employment information that do not belong to me. These entries are factually incorrect and violate 15 U.S.C. 1681e ( b ) of the FCRA, which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Inaccurate Information Includes : Names : Any name variation that is not XXXX XXXX Addresses : Any address other than XXXX XXXX XXXX XXXX, GA XXXX Employment : The employment listed on my file is not mine and should be immediately removed This inaccurate personal information is not only misleading but may also be causing issues with credit decisions, applications, and verification processes. It poses a risk of identity confusion or potential fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX  and the credit reporting agencies ( Experian, Equifax, and TransUnion ) for the unlawful reporting of a closed account with derogatory marks. 
The account ( opened XX/XX/year>, closed XX/XX/year>, balance {$0.00} ) is reporting 30- and 60-day late payments after closure and/or while showing a XXXX balance. 
The reporting is inaccurate, unverifiable, and misleading, in violation of : FCRA 1681i ( a ) failure to investigate disputed information thoroughly.

FCRA 1681s-2 ( a ) failure of the furnisher ( XXXX XXXX XXXX  ) to report accurate and complete information.

FCRA 1681c ( a ) potential inclusion of obsolete derogatory data.

The bureaus have failed to remove this unverifiable and incomplete data after dispute.

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 2025-06-14 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: MI

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX  and the credit reporting agencies ( Experian, Equifax, and TransUnion ) for the unlawful reporting of a closed account with derogatory marks. 
The account ( opened XX/XX/year>, closed XX/XX/year>, balance {$0.00} ) is reporting 30- and 60-day late payments after closure and/or while showing a XXXX balance. 
The reporting is inaccurate, unverifiable, and misleading, in violation of : FCRA 1681i ( a ) failure to investigate disputed information thoroughly.

FCRA 1681s-2 ( a ) failure of the furnisher ( XXXX XXXX XXXX  ) to report accurate and complete information.

FCRA 1681c ( a ) potential inclusion of obsolete derogatory data.

The bureaus have failed to remove this unverifiable and incomplete data after dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: GA

Complaint narrative:
I am writing you about the compromising of my social security number due to the XXXX  XXXX breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The information inquiry listed below, which appears on my Equifax credit report, does not relate to any inquires that I have ever made. It is the result of identity theft. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized 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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello and good day, I have found inaccurate information on my credit report, and it is deeply concerning. These errors are blocking my financial progress and leading to repeated credit application rejections, which has been extremely stressful.

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 2025-06-14 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: CA

Complaint narrative:
All three major credit bureausEquifax, XXXX, and XXXX reporting multiple late payments related to XXXX accounts that I firmly dispute as inaccurate and unjustified. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX with a reported late payment date of XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  also reported late on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX with a reported late payment on XX/XX/XXXX ; and XXXX XXXX XXXX XXXX XXXX also dated XX/XX/XXXX. These late payment notations are damaging, misleading, and not reflective of my payment history or intent. 

I dispute these derogatory marks because I was never made aware of these delinquencies at the time they allegedly occurred. I was not properly notified, nor given the opportunity to bring the account current, which contradicts the practices and standards lenders are expected to uphold under the Fair Credit Reporting Act. I have maintained responsible management of my student loans, and if there was any administrative error, misapplied payment, or processing issue on XXXX end, it was never communicated to me in a timely or transparent manner. 

The timing of these alleged delinquencies also raises concerns about data consistency. If both accounts under different loan IDs are being reported with the same late date for XXXX separate years, it suggests a pattern of systemic error or batch reporting rather than verified, account-specific delinquency. This is deeply troubling and casts doubt on whether these late payment designations were thoroughly reviewed and validated before being reported to the credit bureaus. As someone who has made every effort to remain in good standing, these entries are not only emotionally distressing but have also adversely affected my access to fair credit, auto financing, and mortgage qualification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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 Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-14 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-13 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: CA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-13 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: CA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: FL

Complaint narrative:
Please see attachments.

I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715, 719 1 Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-06-14 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:
Please see attachments.

I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715, 719 1 Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: FL

Complaint narrative:
I have reason to believe the account being reported by XXXX XXXX XXXX is in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and Floridas Uniform Commercial Code I am requesting verification of the following : Proof of sale of the repossessed vehicle, including sale date, method ( auction/private ), and the sale price. A full breakdown of the deficiency balance, including how it was calculated after the sale. Evidence of proper notice of both the intent to repossess and the post-sale deficiency, as required under applicable laws. Confirmation of title transfer was notarized showing legal sale and release of ownership. Also provide : Required XXXX title fillings ( Notarized ) Proof I was allowed to attend auction to redeem vehicle. Exact date of repossession

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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:
According to FCRA section 605B it is illegal to report any information on my credit report without my permission please remove all this negative items I have not supplied proof under the doctrine of estoppel by silence, engelhardt v. Gravens ( Mo ) 281 SW 715,719, I presum that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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