vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: NY

Complaint narrative:
I am writing to formally dispute certain accounts and inquiries appearing on my credit report. I respectfully request a thorough investigation into the following discrepancies, as they appear to be inaccurate or incomplete. These issues have a direct and negative impact on my credit score, and I am seeking timely resolution in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX  Date : XX/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 non-monetary relief
Consumer complaint received 2025-11-19 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.

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : Account name : # XXXX XXXX  XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

and according to 15 USC 1681s-2 they are suppose to 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
Consumer complaint received 2025-11-19 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:
XXXX XXXX XXXX XXXX XXXX ( duplicate accounts, sold illegally and aged account illegal reaging under FCRA 605 ( c ).

violation of FCRA 623 ( a ) ( 5 ) ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX must provide full validation ( FDCPA 809 ( b ) ).

As per 15 USC 1611 Experian TransUnion and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 USC 1640. Furthermore, they are at risk for each FDCPA infringement as per USC1692k. I'm requesting they eliminate the supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your " credit '' report is an infringement of 15 USC 16922b ( 2 ) it is likewise publicizing to certain installment. Which is illicit. I'm requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer I'm requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. XXXX XXXX XXXX XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: OK

Complaint narrative:
Account XXXX : XXXX I am disputing the reinvestigation of this account. Your agency marked the account as verified, yet you provided no documentation, no description of the method of verification, and no evidence showing how you determined that the information furnished by XXXX XXXX XXXX was accurate. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation of any disputed information. A reinvestigation that relies solely on an automated furnisher response, without obtaining actual evidence, does not meet the standard of reasonable. 

Additionally, under 15 U.S.C. 1681i ( a ) ( 2 ) and 1681i ( a ) ( 4 ), the credit bureau must : 1. Forward all relevant dispute information to the furnisher.

2. Conduct a reinvestigation that includes a review of all information provided by the consumer. 
XXXX. Suppress or delete any information that can not be verified with documentary evidence. 

Your agency has not provided : The documentary evidence used to verify the account The method of verification The name of the person or entity contacted during the reinvestigation Proof that XXXX XXXX supplied original source documentation required under 1681s-2 ( a ) ( 1 ) Because the unit associated with this alleged debt was re-rented before the lease term ended, I contest the accuracy and legal validity of the amount being reported. The amount claimed is not legally owed, and no documentation has been provided by either the furnisher or the credit bureau showing : The re-rental date A full tenant ledger The legally permitted balance Any calculation supporting the reported amount Without furnishing the evidence upon which you relied, the credit bureaus reinvestigation is incomplete and unlawful. Any account that can not be verified with original, contemporaneous records must be deleted under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 

Because this account remains unverified, undocumented, and legally questionable, I am demanding a full reinvestigation and immediate deletion of this tradeline unless you can produce actual documentation proving the accuracy of the account.

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 2025-11-19 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: OK

Complaint narrative:
Account XXXX : XXXX I am disputing the reinvestigation of this account. Your agency marked the account as verified, yet you provided no documentation, no description of the method of verification, and no evidence showing how you determined that the information furnished by XXXX XXXX XXXX was accurate. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation of any disputed information. A reinvestigation that relies solely on an automated furnisher response, without obtaining actual evidence, does not meet the standard of reasonable. 

Additionally, under 15 U.S.C. 1681i ( a ) ( 2 ) and 1681i ( a ) ( 4 ), the credit bureau must : 1. Forward all relevant dispute information to the furnisher.

2. Conduct a reinvestigation that includes a review of all information provided by the consumer. 
XXXX. Suppress or delete any information that can not be verified with documentary evidence. 

Your agency has not provided : The documentary evidence used to verify the account The method of verification The name of the person or entity contacted during the reinvestigation Proof that XXXX XXXX supplied original source documentation required under 1681s-2 ( a ) ( 1 ) Because the unit associated with this alleged debt was re-rented before the lease term ended, I contest the accuracy and legal validity of the amount being reported. The amount claimed is not legally owed, and no documentation has been provided by either the furnisher or the credit bureau showing : The re-rental date A full tenant ledger The legally permitted balance Any calculation supporting the reported amount Without furnishing the evidence upon which you relied, the credit bureaus reinvestigation is incomplete and unlawful. Any account that can not be verified with original, contemporaneous records must be deleted under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 

Because this account remains unverified, undocumented, and legally questionable, I am demanding a full reinvestigation and immediate deletion of this tradeline unless you can produce actual documentation proving the accuracy of the account.

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 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the alleged debt associated with the above-referenced TrueAccord account number XXXX, XXXX. I do not owe this debt. I am a confirmed victim of XXXX XXXX, and any accounts or debts created during that period of exploitation are fraudulent and were opened without my knowledge, consent, or authorization. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting : 1. Immediate cessation of all collection activities, 2. Full validation of the alleged debt, including original creditor information, documentation bearing my genuine signature, and proof that I authorized this account, 3. Removal of this fraudulent debt from your records, as it resulted from identity theft and XXXX XXXX 
Please confirm in writing that this account is being investigated, locked, or removed as required by federal consumer protection laws. 
Thank you for your prompt attention. I expect all collection efforts to stop until proper validation is provided.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
XXXX  has an incorrect account from citi bank on my credit report. The Citi credit card was never used by me prior to the bank closing the card themselves with a {$0.00} balance. They are falsely reporting a balance due and unpaid for an account that was never used to make any purchase ever

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 2025-11-19 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: NY

Complaint narrative:
I am submitting a dispute regarding several items on my Equifax credit report that I believe are inaccurate or incomplete. I request a complete reinvestigation of the items below in accordance with the FCRA. 

XXXX. XXXX Accounts There is an account potentially reported as XXXX XXXX. I request verification of the account number, balance, charge-off status, and all associated information. If this account can not be fully verified, I request its removal from my credit report. 

XXXX. Inquiries XXXX XX/XX/year> I dispute this inquiry as I did not authorize it. Please provide documentation of my consent. If verification can not be provided, please remove it from my report. 

XXXX. Late Payments XXXX XXXX Account # XXXX I dispute the reported late payment ( s ). Please provide proof of any alleged delinquencies. If you can not verify the accuracy of this information, I request removal. 

I request written confirmation of your investigation results and an update of my report reflecting any corrections made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute. 

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

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 2025-11-19 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-11-19 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: AL

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-19 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: AL

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: MD

Complaint narrative:
I am writing to formally dispute certain accounts and inquiries appearing on my credit report. I respectfully request a thorough investigation into the following discrepancies, as they appear to be inaccurate or incomplete. These issues have a direct and negative impact on my credit score, and I am seeking timely resolution in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX XXXXXXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX XXXX  XXXX, Date of Inquiry : XX/XX/XXXXXXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX, Date of Inquiry : XX/XX/XXXXXXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX, Date of Inquiry : XX/XX/XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX, Date of Inquiry : XX/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 2025-11-19 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the XXXX  data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXXXXXX XXXX  XXXX Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$190.00} Account name XXXXXXXX XXXX XXXXXXXX XXXX Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$25000.00} XXXX XXXX XXXX Account number XXXX Account type Revolving Date opened XX/XX/XXXX Balance {$0.00} Account name XXXX XXXX OF XXXX Account number XXXX Account type Collection Date opened XX/XX/XXXX Balance {$45.00} Account name XXXX XXXX OF XXXX Account number XXXX Account type Collection Date opened XX/XX/XXXX Balance {$48.00} Account name XXXX XXXX XXXX  XXXX Account number XXXX Account type Collection Date opened XX/XX/XXXX Balance {$1200.00} Account name XXXXXXXX XXXX XXXX XXXX Account number XXXX Account type Collection Date opened XX/XX/XXXX Balance {$1100.00}

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 2025-11-19 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:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within XXXX  days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within XXXX  days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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