vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Phone : XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX Subject : Address Update Request for My Credit Report Dear Sir/Madam, I am writing to formally request an update to the address on file for my credit report. Please find the relevant details below : Full Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX Social Security Number ( last XXXX digits ) : XXXX Previous Address : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, TX XXXX New Address : XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX To assist with the verification of my new address, I have attached copies of the following documents : Social Security Card Drivers License Utility Bill I kindly request that you update my credit file with the new address provided above. Please let me know if any further information or documentation is required to complete this update. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, 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 2025-03-11 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: TX

Complaint narrative:
I am writing to bring to your attention that I am cognizant of the unlawful practices you have been employing, wherein you consistently respond to consumer disputes and challenges with generic form letters, regardless of the specific details provided by the individuals. It is imperative to note that such actions are in clear violation of 15 U.S. Code 5 1681i, which mandates that each dispute and challenge must be individually addressed based on its own merits. The letters I have submitted were generated utilizing software that is readily accessible to all. In the event that you fail to address my letters accordingly, it would signify a violation of my consumer rights. I perceive this disregard as a deliberate transgression against my rights, and thus, I intend to seek legal counsel to initiate appropriate legal measures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions XXXX XXXX Account # : XXXXXXXX XXXX XXXXXXXX Account # : XXXX XXXX Account # : XXXXXXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NC

Complaint narrative:
On XX/XX/25, I sent {$5000.00} to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have sent to this account before without issue, however a recent transfer under the conf # XXXX never showed up. I am asking for the money to either be deposited or refunded. 

I tried to resolve the issue with the support team, however they insist that the money has been deposited already. I can see with my own eyes that it has not been deposited. I have attached the banking transaction history, and no deposits from moneygram have occured between the send date and today 's date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-11 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:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account Name : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-03-11 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: PA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: TX

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 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 2025-03-11 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume 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 2025-03-11 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: WI

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume 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 explanation
Consumer complaint received 2025-03-11 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: WI

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: MD

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has documented Equifaxs repeated failure to properly investigate consumer disputes, even leading to legal action for violating the FCRA. This continued pattern of noncompliance is unacceptable, and I will not allow my credit profile to suffer due to negligence on your part.

Federal law ( 15 U.S.C. 1681i ) clearly states that Equifax is required to conduct a thorough reinvestigation of disputed information within 30 days. Any item that can not be 100 % verified must be deleted immediately. I demand that these errors be corrected without delay, as they are actively harming my financial standing. Continued noncompliance will not be ignored. 

Company name : 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 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 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: NJ

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: TX

Complaint narrative:
Re : Formal Dispute of Inaccurate Information Reported on Mortgage Account by XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX FCRA, FDCPA, UCC, and Related Case Law I am formally disputing the accuracy, completeness, and validity of derogatory payment history information reported by your agencies on my credit reports concerning my mortgage account with XXXX XXXX XXXX XXXX, Account opened XX/XX/XXXX, FHA Mortgage Loan. 
Specifics of the Inaccuracy : Each credit reporting agency ( CRA ) has erroneously reported significant late payments and delinquency statuses on my mortgage account. The inconsistencies include, but are not limited to : Equifax : Incorrectly reported late payments at 60, 120, and 180 days delinquency statuses without accurate substantiation. 
Experian : Incorrectly reports late payments, notably " 180 days past due '' statuses for XXXX and XXXX of XXXX. 
TransUnion : Reports worst payment status as XXXX days past due, inaccurately stating multiple late payments and thus unfairly damaging my credit rating. 
These entries are incorrect, misleading, and damaging, causing undue hardship including but not limited to loss of credit opportunities, elevated interest rates, emotional distress, and diminished quality of life. 
Violations of Federal Law : These inaccuracies constitute violations of several consumer protection laws, including : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 : o 609 CRAs duty to disclose all information used in reporting.

o 611 Obligation of CRA to conduct reasonable investigations upon dispute and delete inaccurate information if verification fails. 
Fair Debt Collection Practices Act ( FDCPA ), specifically XXXX, requires debt validation and verification upon dispute, which has not been adequately provided. 
Uniform Commercial Code ( UCC ) : specifically Article 9-210, which requires accurate recordkeeping and verification of debts and account statuses. 
Relevant Federal Case Law : The following precedent cases clearly establish consumers ' rights and potential remedies under similar circumstances : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Awarded substantial damages due to failure to maintain accuracy. 
XXXX v. XXXX XXXX Bank, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Affirmed significant consumer damages due to FCRA violations. 
XXXX v. XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) Awarded consumer maximum statutory damages plus attorney fees for failure to correct inaccuracies. 
The aforementioned federal cases clearly set precedent in affirming consumers ' rights to accurate credit reporting and entitlement to substantial statutory compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: TX

Complaint narrative:
Re : Formal Dispute of Inaccurate Information Reported on Mortgage Account by XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX FCRA, FDCPA, UCC, and Related Case Law I am formally disputing the accuracy, completeness, and validity of derogatory payment history information reported by your agencies on my credit reports concerning my mortgage account with XXXX XXXX XXXX XXXX, Account opened XX/XX/XXXX, FHA Mortgage Loan. 
Specifics of the Inaccuracy : Each credit reporting agency ( CRA ) has erroneously reported significant late payments and delinquency statuses on my mortgage account. The inconsistencies include, but are not limited to : Equifax : Incorrectly reported late payments at 60, 120, and 180 days delinquency statuses without accurate substantiation. 
Experian : Incorrectly reports late payments, notably " 180 days past due '' statuses for XXXX and XXXX of XXXX. 
TransUnion : Reports worst payment status as XXXX days past due, inaccurately stating multiple late payments and thus unfairly damaging my credit rating. 
These entries are incorrect, misleading, and damaging, causing undue hardship including but not limited to loss of credit opportunities, elevated interest rates, emotional distress, and diminished quality of life. 
Violations of Federal Law : These inaccuracies constitute violations of several consumer protection laws, including : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 : o 609 CRAs duty to disclose all information used in reporting.

o 611 Obligation of CRA to conduct reasonable investigations upon dispute and delete inaccurate information if verification fails. 
Fair Debt Collection Practices Act ( FDCPA ), specifically XXXX, requires debt validation and verification upon dispute, which has not been adequately provided. 
Uniform Commercial Code ( UCC ) : specifically Article 9-210, which requires accurate recordkeeping and verification of debts and account statuses. 
Relevant Federal Case Law : The following precedent cases clearly establish consumers ' rights and potential remedies under similar circumstances : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Awarded substantial damages due to failure to maintain accuracy. 
XXXX v. XXXX XXXX Bank, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Affirmed significant consumer damages due to FCRA violations. 
XXXX v. XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) Awarded consumer maximum statutory damages plus attorney fees for failure to correct inaccuracies. 
The aforementioned federal cases clearly set precedent in affirming consumers ' rights to accurate credit reporting and entitlement to substantial statutory compensation.

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 2025-03-11 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: FL

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-03-11 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:
I am writing to formally dispute an unauthorized hard inquiry that has appeared on my credit report : XX/XX/year> XXXXXXXX XXXX XXXX I did not authorize XXXX XXXX XXXX  ( XXXX ) to access my credit report on this date. Under the Fair Credit Reporting Act ( FCRA ) 1681b, consumer credit reports may only be accessed with explicit permission. Since I did not consent to this inquiry, I request immediate action to correct this issue.

Requested Actions : Investigate the unauthorized inquiry. 
Provide verification, including signed documentation proving I authorized this inquiry. 
Remove the inquiry if no valid authorization exists. 
Ensure my personal information is removed from XXXX 's records related to this unauthorized inquiry. 
Provide written confirmation of the resolution and actions taken. 
To assist in verifying my identity, I have enclosed copies of my identification and proof of address. Please confirm receipt of this dispute and provide an update on the resolution process at your earliest convenience. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Email : XXXX Phone : 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 2025-03-11 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 am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$47.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX {$1300.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$700.00} Open Date XX/XX/XXXX inquiries XXXX  Date XX/XX/XXXX XXXX  XXXX  Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XXXX XXXX, XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX XXXX  Date XX/XX/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