vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 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:
I discovered an unauthorized and inaccurate collection account on my credit report from TransUnion Consumer Solutions associated with XXXX XXXX XXXX XXXX XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ). 
Despite my formal dispute and request for a thorough investigation, TransUnion Consumer Solutions has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.

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 2025-04-07 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: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I sold a house in XXXX of XXXX that used the water company XXXX XXXX. XXXX XXXX also sold to another water company ( XXXX XXXX  XXXX ) in XXXX of XXXX long after I had already sold the house and closed out all utilities. I knew nothing about this new company as I have never done business with them and looks to be some type of internal error with them and XXXX XXXX not letting them know I had moved and closed the account. It wasn't until XXXX years later in the middle of buying a new home that i was notified i had a collection on my credit bureau, which took my almost perfect credit score of XXXX down to XXXX which now disqualifies me from being able to buy a home that I put XXXX XXXX earnest money down on and now about to lose that due to false information being reported to my credit bureau. While digging into this, the collection shows delinquent XX/XX/XXXX which is almost a year after selling this house and having had closed out all utilities. I have tried to dispute this with Experian, XXXX, and the collection agency XXXX XXXX XXXX and getting the run around from all of them. I am taking legal action on this immediately if not resolved ASAP.

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 2025-04-07 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume 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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am formally disputing a late payment reported on my XXXX XXXX ( XXXX ) credit card account.The reported late payment is inaccurate due to two factors : 1. The payment was initiated using an incorrect bank account that failed to process.

2. My mailing address was not updated in your system, so I never received any notices or billing reminders regarding the missed payment. 

Once I became aware of the issue, I corrected the payment method and updated my mailing address. I believe this late payment should not be reflected on my credit report, as it was an unintentional oversight and not a reflection of my creditworthiness. 

I am requesting that this late payment be removed from my credit file under the Fair Credit Reporting Act ( FCRA ) due to it being the result of address and system errors.

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 2025-04-07 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: MA

Complaint narrative:
I am formally disputing a late payment reported on my XXXX XXXX ( XXXX ) credit card account.The reported late payment is inaccurate due to two factors : 1. The payment was initiated using an incorrect bank account that failed to process.

2. My mailing address was not updated in your system, so I never received any notices or billing reminders regarding the missed payment.

Once I became aware of the issue, I corrected the payment method and updated my mailing address. I believe this late payment should not be reflected on my credit report, as it was an unintentional oversight and not a reflection of my creditworthiness. 

I am requesting that this late payment be removed from my credit file under the Fair Credit Reporting Act ( FCRA ) due to it being the result of address and system errors.

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 2025-04-07 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: MA

Complaint narrative:
I am formally disputing a late payment reported on my XXXX XXXX ( XXXX ) credit card account.The reported late payment is inaccurate due to two factors : 1. The payment was initiated using an incorrect bank account that failed to process.

2. My mailing address was not updated in your system, so I never received any notices or billing reminders regarding the missed payment. 

Once I became aware of the issue, I corrected the payment method and updated my mailing address. I believe this late payment should not be reflected on my credit report, as it was an unintentional oversight and not a reflection of my creditworthiness. 

I am requesting that this late payment be removed from my credit file under the Fair Credit Reporting Act ( FCRA ) due to it being the result of address and system errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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:
" 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 each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
An investigation was requested and determined as valid. A reinvestigation was requested. the results were returned as valid. However the current report for XX/XX/XXXX continues to report the inaccurate information. 
Experian has been provided documentation from it own records and previous investigations that contradict the original account closed date, the Payment Summary failed to include the a payment recorded on XX/XX/XXXX by the provider. 
Experian failed to review the actions taken by the provider to re-age the account. The dates are all included in the Experian file, but they did not review or acknowledge the inaccurate information even after several specific requests provided to Experian. As the FCRA does permit re-aging an account as a legal when the prescribe procedures and prescribed is followed. It is not legal when the procedures is used as an act of retaliation against the consumer. In this instance The provider did not adhere to the procedure and Experian failed to question the actions taken to recognize re-age the account. 
It appears that the practice of surface reviewing of investigations continues to be a standard operating procedure. Evident of this statement is my dispute is completely based upon information from Experian 's own files.

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 2025-04-07 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 inquiries were not authorized by me, and I did not communicate with this under the specified date

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am unable to access or update my credit report through Experian. I have several credit cards actively reporting to Experian, yet my file has not been updated in over 12 months. I have confirmed my profile is not 'frozen '. Lenders and creditors can not pull my score as attempted again recently on XX/XX/year>. 

I submitted a letter and full ID packet by mail to Experian on XX/XX/year> ( USPS Tracking # : XXXX ) including my drivers license, birth certificate, SSN, utility bill, credit card statements, and proof of address ( attached in this complaint as well ). In response, I received a letter falsely claiming my request was suspicious. 

I then attempted to use the online dispute upload portal at experian.com/validatedispute, and it returned a message saying We were unable to honor your request, even though no information was missing. 

I also contacted Experian by phone at XXXX and was told they could not assist and refused to escalate my case. 

My file appears to be suppressed, mislinked, or ghosted, and Experian is blocking every attempt to verify my identity and restore credit file access. 

I am requesting that Experian : Manually verify my identity using the information Ive provided XXXX XXXX XXXX my file Ensure my credit report is accessible by me and creditors This has significantly impacted my ability to access financial services. Please escalate this to Experians executive or security resolution team.

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX ( XXXX ) XXXX Date : XX/XX/XXXX To : TransUnion Equifax Experian Subject : Formal Dispute of Inaccurate Late Payments on Credit Report Account Name : XXXX XXXX Reported By : XXXX XXXX Date of Last Report : XX/XX/XXXX To Whom it XXXX Concern, I am writing to formally dispute inaccurate information that appears on my credit report regarding the above-referenced account with XXXX XXXX XXXX The account was opened on XX/XX/XXXX, and paid in full as of XX/XX/XXXX. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, I have the right to dispute and request correction of any inaccurate or unverifiable information on my credit report. 

The payment history for this account incorrectly lists the following months as late payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These entries are inaccurate. I paid on time for each of the above months, and XXXX XXXX reported this incorrectly. I respectfully request that you investigate this matter with the data furnisher and correct the information to reflect an accurate payment history. 

Attached is a screenshot showing the full account details, including the confirmation that the loan was paid off in full and the timeline of reported payments. In compliance with 15 U.S. Code 1681i, I expect this matter to be resolved within 30 days.

Please confirm in writing that these corrections have been made. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX UCC-1-308 Without Prejudice

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX ( XXXX ) XXXX Date : XX/XX/XXXX To : TransUnion Equifax Experian Subject : Formal Dispute of Inaccurate Late Payments on Credit Report Account Name : XXXX XXXX Reported By : XXXX XXXX Date of Last Report : XX/XX/XXXX To Whom it XXXX Concern, I am writing to formally dispute inaccurate information that appears on my credit report regarding the above-referenced account with XXXX XXXX XXXX The account was opened on XX/XX/XXXX, and paid in full as of XX/XX/XXXX. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, I have the right to dispute and request correction of any inaccurate or unverifiable information on my credit report. 

The payment history for this account incorrectly lists the following months as late payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These entries are inaccurate. I paid on time for each of the above months, and XXXX XXXX reported this incorrectly. I respectfully request that you investigate this matter with the data furnisher and correct the information to reflect an accurate payment history. 

Attached is a screenshot showing the full account details, including the confirmation that the loan was paid off in full and the timeline of reported payments. In compliance with 15 U.S. Code 1681i, I expect this matter to be resolved within 30 days.

Please confirm in writing that these corrections have been made. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX UCC-1-308 Without Prejudice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: Experian Information Solutions 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - 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