vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have previously disputed XXXX, Equifax and XXXX  regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-06 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX AZ XXXX ACCOUNTS : DPT EDXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} DPT EDXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} DPT EDXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} DPT EDXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3700.00} XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$170.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4700.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$970.00}

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: LEXISNEXIS
State: TX

Complaint narrative:
SYSTEMATIC CORPORATE FRAUD TO OBSTRUCT FEDERAL LAW COMPLIANCE : XX/XX/year>XXXX  : Sent certified legal demand to LexisNexis XXXX XXXX XXXXXXXX ( tracking XXXX ) requesting investigation procedures under 15 USC 1681i ( a ) ( 7 ) for unauthorized bankruptcy access. 

XX/XX/year>XXXX  : Certified mail returned marked " box closed '' - company fraudulently refused legal service. 

XX/XX/year>XXXX  : LexisNexis sent business email FROM IDENTICAL XXXX XXXX XXXXXXXX claiming " unable to authenticate identity '' - proving systematic mail fraud under 18 USC 1341. 

AUTHENTICATION FRAUD SCHEME : Company demands excessive documentation beyond federal requirements while possessing consumer email address and maintaining unauthorized access to personal information through XXXX  database. 

Multiple submissions of government-issued ID and Social Security card met with identical " unable to authenticate '' responses - fraudulent obstruction enabling continued federal law violations.

XX/XX/year>XXXX  : Company admits mailing " Identity Theft packet '' to SAME P.O. Box they claimed was " closed '' for legal service - confirming systematic mail fraud. 

INVESTIGATION PROCEDURE VIOLATIONS : Company admits " initiating reinvestigation process '' but refuses required procedure disclosure under 15 USC 1681i ( a ) ( 7 ) for 45+ days.

UNAUTHORIZED DATABASE ACCESS : LexisNexis admits accessing bankruptcy case XXXX through XXXX  database without written consumer authorization ( 15 USC 1681b violation ) while claiming inability to authenticate identity. 

RESULT : Company created systematic fraud scheme making federal law compliance impossible while maintaining unauthorized access to personal identification information - corporate criminal conspiracy exceeding {$420000.00} statutory damages. 

No valid address exists for legal service due to deliberate mail fraud obstruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: CT

Complaint narrative:
I am filing this complaint against EQUIFAX for its continued failure to remove fraudulent accounts from my credit report despite my previous disputes. I have submitted an FTC Identity Theft Report ( Report XXXX. XXXX ) as required under the Fair Credit Reporting Act ( FCRA ) 1681c-2, which obligates EQUIFAX to block and delete any information resulting from identity theft within four business days. However, EQUIFAX has not taken any meaningful action, and these fraudulent accounts are still appearing on my recent credit report. This inaction shows a clear violation of FCRA 1681i ( a ), which mandates a reasonable reinvestigation of disputed information, and FCRA 1681e ( b ), which requires reporting agencies to ensure maximum possible accuracy. I have provided all supporting documentation proving these accounts are not mine, yet EQUIFAX has failed to comply with its legal obligations. This negligence has caused ongoing harm to my credit standing and financial reputation. EQUIFAXs refusal to take this matter seriously reflects a pattern of reckless disregard for federal consumer protection laws. Each day these accounts remain uncorrected continues to damage my creditworthiness and exposes me to further financial risks. I am requesting that EQUIFAX immediately block and permanently delete all fraudulent accounts identified in my FTC Identity Theft Report and provide me with written confirmation of these corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: United Revenue Corporation
State: TX

Complaint narrative:
XXXX  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 XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of the dispute outcome. These failures align with my experience, where XXXX  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 dispute account, as XXXX inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally report several unauthorized inquiries that have appeared on my credit report. I did not request or authorize these companies to access my credit information, yet they were able to obtain it without my consent. Specifically, these unauthorized credit inquiries occurred on the following da
tes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX occurred on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX occurred on XXXX XXXX XXXX XXXX XXXX XXXX occurred on XXXX XXXX XXXX XXXX occurred on XX/XX/XXXX These inquiries are still currently listed on my credit report, and I am deeply concerned about the unauthorized access to my personal financial information. I believe this may be a violation of the Fair Credit Reporting Act ( FCRA ), as I did not initiate any transactions or provide consent for my credit file to be accessed by these entities.

I respectfully request that the FTC investigate this matter and provide guidance on how to proceed with disputing and removing these inquiries from my credit report. I am also prepared to provide additional documentation if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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 report several unauthorized inquiries that have appeared on my credit report. I did not request or authorize these companies to access my credit information, yet they were able to obtain it without my consent. Specifically, these unauthorized credit inquiries occurred on the following da
tes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX occurred on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX occurred on XXXX XXXX XXXX XXXX XXXX XXXX occurred on XXXX XXXX XXXX XXXX occurred on XX/XX/XXXX These inquiries are still currently listed on my credit report, and I am deeply concerned about the unauthorized access to my personal financial information. I believe this may be a violation of the Fair Credit Reporting Act ( FCRA ), as I did not initiate any transactions or provide consent for my credit file to be accessed by these entities.

I respectfully request that the FTC investigate this matter and provide guidance on how to proceed with disputing and removing these inquiries from my credit report. I am also prepared to provide additional documentation if necessary.

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 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing inaccurate information on my credit report related to an account from XXXX XXXX, reported by TransUnion. The account is listed as a closed account with a {$2200.00} balance and is labeled as a charge-off/collection. 

I believe this is inaccurate or unverifiable. The reporting of this account is negatively affecting my credit score, and I have not received proper validation of the debt. I have requested verification and accurate reporting, but the account continues to report as derogatory. 

Under the Fair Credit Reporting Act ( FCRA ), all information furnished to credit bureaus must be accurate and verifiable. I do not believe that standard has been met in this case. 


Incorrect dates or re-aging the account to appear more recent A balance you dont owe A status thats not accurate ( e.g., showing charge-off while closed or paid ) That would violate FCRA, which requires only accurate and complete data to be reported. 

FCRA 611 ( a ) Failure to Properly Investigate Disputes You disputed the account with TransUnion, And they failed to investigate within 30 days or did not remove unverifiable information, Then TransUnion may be in violation of their duty to conduct a reasonable reinvestigation.

FCRA 605 ( c ) Illegal Re-Aging of Debt Credit bureaus can not re-age old debts to make them stay on your report longer than 7 years.

If they changed the Date Updated to XXXX  to restart the reporting period on a debt from XXXX  : That is illegal re-aging. 

FDCPA Violations ( if XXXX XXXX is a debt collector ) Under the Fair Debt Collection Practices Act, if XXXX XXXX is a third-party debt collector, they must : Provide written debt validation upon request Cease collection/reporting until they validate the debt Avoid misleading or deceptive reporting If you sent a debt validation request and they kept reporting the account or failed to respond : That may be an FDCPA violation under 809 ( 15 U.S.C. 1692g ).

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 2025-08-06 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:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These fraudulent credit entries do not belong to me ; I request removal within 15 days as provided by USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: AL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: AZ

Complaint narrative:
XXXX XXXX - Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. - please remove late payment history XXXXXXXX XXXX XXXX XXXX XXXX is a reinsertion and is illegal Remove it from my credit report. 

XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXXXXXX XXXX XXXX XXXXXX/XX/year> - The following inquiry was not authorized and should not be reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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:
XXXX XXXX - Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. - please remove late payment history XXXXXXXX XXXX XXXX XXXX XXXX is a reinsertion and is illegal Remove it from my credit report. 

XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXXXXXX XXXX XXXX XXXXXX/XX/year> - The following inquiry was not authorized and should not be reporting.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
Dispute of Hard Inquiry on my Credit Report Dear Sir/Madam , I am writing to officially dispute 2 hard inquiries that are listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered XXXX inquiries that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. Details of the hard inquiry : - Inquiry Date : XX/XX/XXXX and XX/XX/XXXX - Company Name : XXXX I would like to highlight the following concerns regarding this hard inquiry : 1. Unauthorized Inquiry : I have not given consent to XXXX or any other entity to perform a hard inquiry on my credit report. This unauthorized inquiry has been detrimental to my credit score and overall financial well-being. 2. Lack of Information : I am unaware of the specific purpose for this inquiry. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame. 3. Possible Error : It is possible that this inquiry has been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of this inquiry. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of this disputed inquiry. Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated 30-day period. Please provide me with the following information upon completion of your investigation : 1. Confirmation of the legitimacy of the hard inquiry. 2. The source of the inquiry. 3. Steps taken to rectify any errors or inaccuracies in my credit report. 4. Verification of the removal of the disputed hard inquiry from my credit profile. 5. Updated copy of my credit report reflecting the amendments made. I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly. Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above. Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated timeframe. Sincerely, XXXX XXXX XXXX ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation