vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX  - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-09 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX Subject XXXX Request to Update and Remove Incorrect Personal Information To Whom It May Concern at TransUnion, Equifax, and Experian , I am writing to formally request the correction and removal of inaccurate personal identification information currently listed on my credit report. I ask that my file be updated to reflect only the accurate and current details below, and that all outdated or incorrect personal data be removed promptly. 

Correct Personal Information : Full Legal Name : XXXX XXXX XXXX ( Please remove all other name variations ) Current Address : XXXX XXXX XXXX, XXXX, DE XXXX ( Please remove all other addresses ) Phone Number : XXXX ( Please remove all other numbers ) Email Address : XXXX ( Please remove all other emails ) Employer : XXXX XXXX ( Please remove all other employment history ) Please Remove the Following : Any name variations or aliases not matching my legal name All outdated or incorrect previous addresses Any phone numbers not listed above Any email addresses not listed above Any employers that are no longer current or accurate and not listed above Enclosed are the Following Documents for Verification Purposes : A copy of my state id A XXXX form verifying my current address and employment In accordance with the Fair Credit Reporting Act ( FCRA ), I respectfully request that these updates be processed promptly. I would appreciate your prompt attention to this matter and request a response within 30 days as required by the Fair Credit Reporting Act ( FCRA ). 

As a consumer, I am entitled to have my personal information accurately reflected on my credit report as per FCRA regulations. Accurate personal information is crucial for my credit profile, as inaccuracies can negatively affect my credit score and future financial opportunities. I would appreciate notification of any updates made to my file as a result of this request. 

Please send a written response confirming the outcome of this dispute, including a summary of the updates and removals made to my file. 

Thank you for your attention to this matter. If you need additional information, feel free to contact me at the phone number or email provided above. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 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 2025-04-09 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: TX

Complaint narrative:
On XX/XX/XXXX, XXXX finance claimed I deposited a loan check in the amount of {$1200.00} via XXXX XXXX Ive spoken with a salesman in the XXXX office and asked him to void my information from any account they have which he refused to do without me filing a police report ( attached ). XXXX  XXXX fraudulently used my name and address to open a loan account I did not authorize or verify. They simply found my name On a data base and assigned a fraudulently deposited check dated XX/XX/XXXX, which had a phone number, XXXX, and XXXX which neither belong to me, listed on the check image they showed as to deposited in my name. I have no record of receiving it this deposit. I have XXXX banking relationships and neither have a deposit in the amount XXXX XXXX is accusing me of using. Despite maintaining I dont have formal business with the company, XXXX XXXX has reported 3 months of delinquent payments on my credit reports. 
I wish to file this complaint and intend to interview legal counsel for advise in this matter. Especially since this incident has caused me anxiety, and undue stress hurting my credit/ buying power with a bogus account. 

The second company I wish to file a complaint on is XXXX XXXX based in Mississippi. Their XXXX office is located : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX applied a loan amount {$2500.00} to my credit report without my approval or authorization. This loan was allegedly deposited XX/XX/XXXX. A loan officer ( salesperson ) of the XXXX had me complete an affidavit of fraud document and notarized by an agent at my banking institution XXXX XXXX  in XXXX ( Attached ). 

The third company I wish to file a complaint that is also falsely reporting delinquent payments for a loan that was fraudulently assigned to my name is XXXX XXXX. Same issue listed previously, only my name matches. The handwriting on the deposited check Image, phone number ; DOB and SSN dont reflect my identifiers. XXXX XXXX claims the funds were deposited to my checking account XX/XX/XXXX ( attached ). 
XXXX XXXX location : XXXX XXXX XXXX XXXX, TX XXXX. I will also report these companies to the area XXXX  XXXX in XXXX, TX as well.

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 2025-04-09 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: Thaxton Investment Corporation
State: TX

Complaint narrative:
On XX/XX/XXXX, XXXX finance claimed I deposited a loan check in the amount of {$1200.00} via mailer marketing. Ive spoken with a salesman in the XXXX office and asked him to void my information from any account they have which he refused to do without me filing a police report ( attached ). mariner XXXX fraudulently used my name and address to open a loan account I did not authorize or verify. They simply found my name On a data base and assigned a fraudulently deposited check dated XX/XX/XXXX, which had a phone number, DOB, and SSN which neither belong to me, listed on the check image they showed as to deposited in my name. I have no record of receiving it this deposit. I have XXXX banking relationships and neither have a deposit in the amount XXXX XXXX is accusing me of using. Despite maintaining I dont have formal business with the company, XXXX XXXX has reported XXXX months of delinquent payments on my credit reports. 
I wish to file this complaint and intend to interview legal counsel for advise in this matter. Especially since this incident has caused me anxiety, and undue stress hurting my credit/ buying power with a bogus account. 

The second company I wish to file a complaint on is XXXX XXXX based in Mississippi. Their XXXX office is located : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX applied a loan amount {$2500.00} to my credit report without my approval or authorization. This loan was allegedly deposited XX/XX/XXXX. A loan XXXX ( salesperson ) of the XXXX had me complete an affidavit of fraud document and notarized by an agent at my banking institution XXXXXXXX XXXX  in XXXX ( Attached ). 

The third company I wish to file a complaint that is also falsely reporting delinquent payments for a loan that was fraudulently assigned to my name is Covington Credit. Same issue listed previously, only my name matches. The handwriting on the deposited check Image, phone number ; DOB and SSN dont reflect my identifiers. Covington Credit claims the funds were deposited to my checking account XX/XX/XXXX ( attached ). 
Covington Credit location : XXXX XXXX XXXX XXXX, TX XXXX. I will also report these companies to the area XXXX XXXX in XXXX, TX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: Tower Loan of Mississippi, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, XXXX finance claimed I deposited a loan check in the amount of {$1200.00} via mailer marketing. Ive spoken with a salesman in the XXXX office and asked him to void my information from any account they have which he refused to do without me filing a police report ( attached ). mariner XXXX fraudulently used my name and address to open a loan account I did not authorize or verify. They simply found my name On a data base and assigned a fraudulently deposited check dated XX/XX/XXXX, which had a phone number, DOB, and SSN which neither belong to me, listed on the check image they showed as to deposited in my name. I have no record of receiving it this deposit. I have XXXX banking relationships and neither have a deposit in the amount XXXX XXXX is accusing me of using. Despite maintaining I dont have formal business with the company, XXXX XXXX has reported XXXX months of delinquent payments on my credit reports. 
I wish to file this complaint and intend to interview legal counsel for advise in this matter. Especially since this incident has caused me anxiety, and undue stress hurting my credit/ buying power with a bogus account. 

The second company I wish to file a complaint on is Tower Loan based in Mississippi. Their XXXX office is located : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX applied a loan amount {$2500.00} to my credit report without my approval or authorization. This loan was allegedly deposited XX/XX/XXXX. A loan officer ( salesperson ) of the Company had me complete an affidavit of fraud document and notarized by an agent at my banking institution XXXXXXXX XXXX  in XXXX ( Attached ). 

The third company I wish to file a complaint that is also falsely reporting delinquent payments for a loan that was fraudulently assigned to my name is XXXX XXXX. Same issue listed previously, only my name matches. The handwriting on the deposited check Image, phone number ; DOB and SSN dont reflect my identifiers. XXXX XXXX claims the funds were deposited to my checking account XX/XX/XXXX ( attached ). 
XXXX XXXX location : XXXX XXXX XXXX XXXX, TX XXXX. I will also report these companies to the area BBB XXXX in XXXX, TX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: AZ

Complaint narrative:
I was a victim of XXXX XXXX. Lost my wallet with all my documents and it was used to open fraudulent 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 2025-04-09 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: AZ

Complaint narrative:
I was a victim of XXXX XXXX. Lost my wallet with all my documents and it was used to open fraudulent 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 2025-04-09 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: OR

Complaint narrative:
I am writing to formally dispute the recent credit inquiries listed on my credit report, as I did not apply for any such credit. These inquiries were made without my authorization and appear to be fraudulent. I request that these unauthorized inquiries be investigated and removed from my credit report immediately to prevent any further impact on my credit standing.

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 2025-04-09 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: TX

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a child support account with the Office of the Attorney General opened on XX/XX/XXXX, a loan account with XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, and an auto loan account with XXXX XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX, opened on XX/XX/XXXX. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts 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 explanation
Consumer complaint received 2025-04-09 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ). After reviewing my consumer report, it has come to my attention that your office has again violated my privacy. 15 U.S.C. 1681, Section 602a ; 15 U.S.C. 1681, Section 604 ; and Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. No consent is fraudulent.

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 2025-04-09 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX 

Account Name : XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX  Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX  - XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX List of Unauthorized Inquiries : XXXX  XXXX XXXX  - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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