vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This letter serves as my formal and final warning regarding your unlawful reinsertion of previously deleted account into my credit file, in clear and repeated violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ). 
I disputed these accounts on XX/XX/2025 and they were rightfully removed by XX/XX/2025. However, without providing the statutorily required notice and certifications, Transunion reinserted the same fraudulent data, violating the clear mandates of the FCRA. 
YOU HAVE BEEN SUED FOR THIS BEFORE. 
This isnt your first time, and unfortunately, I am not your only victim. Transunion has already faced multiple lawsuits across various jurisdictions for the same misconduct reinserting disputed and previously deleted accounts without notice, without certification from the furnisher, and without compliance with required reinvestigation procedures. 
Despite judicial rulings and consent decrees, you continue to repeat the same noncompliant, damaging actions against consumers including me. 
Your pattern of negligence, disregard, and willful misconduct is not only a blatant violation of federal law, but it also inflicts measurable emotional and financial harm on innocent consumers like myself. 
DEMAND FOR COMPLIANCE I hereby demand the immediate and permanent deletion of the above-mentioned fraudulent accounts. You are also required to issue written confirmation of this deletion within five ( 5 ) business days from the date of receipt of this letter. 
If this matter is not resolved immediately and fully, I will be left with no choice but to pursue legal action for : - Willful violations of the FCRA - Emotional distress and reputational harm - Punitive damages as permitted under 15 U.S.C. 1681n XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: GA

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 account listed without my expressed written consent.

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 2025-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing this complaint because XXXX XXXXXXXX XXXX ( XXXX ) continues to report an account on my credit file that is the result of identity theft. I have already submitted and attached both my formal dispute and arbitration demand letter regarding this account. Despite these actions, this fraudulent account is still being reported to all three credit bureaus : Experian, XXXX XXXX XXXX 

This account does not belong to me, and I have never authorized it. The only reason XXXX claims to have verified the account is because they obtained personal information from me during a dispute call in which I was trying to correct inaccurate information. I was unaware that the information I provided in good faithwhile disputing the accountwould be used against me to justify its continued reporting. This conduct is deceptive and constitutes a clear violation of federal consumer protection laws. 

Per the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2 ( a ) ( 6 ), a furnisher must not report information if it knows or has reasonable cause to believe that the information is inaccurate. Furthermore, under FCRA 1681c-2 ( a ), if the information is the result of identity theft and proper documentation is submitted, the consumer reporting agency must block the reporting of that information within four business days.

I have followed all necessary procedures by providing : A written identity theft statement A police report ( if required ) A formal dispute notice and arbitration letter Direct communication to XXXX and the credit bureaus Additionally, under FCRA 1681s-2 ( b ), once a furnisher receives notice of a dispute from a consumer reporting agency, they are required to : Investigate the disputed information Review all relevant information provided by the consumer Report the results back to the credit bureaus Modify, delete, or permanently block the information if it is found to be inaccurate or unverifiable JPMCBs continued reporting of this fraudulent accountafter receiving my dispute and documentationis a violation of their duty under the FCRA. This account must be immediately removed and permanently blocked from my credit file across all three major bureaus. 
The attached letters were sent certified mail XXXX XXXX and I have not received any response

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 2025-08-05 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: NC

Complaint narrative:
I recently pulled my credit report and noticed multiple fraudulent inquiries that I have no knowledge of. These inquiries need to be removed immediately. This is one of many attempts to remove these unauthorized inquiries. Please help me get these take care of immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-08-05 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: NJ

Complaint narrative:
This letter serves as my formal notice of dispute concerning certain account listed on my credit report that I believe was accessed or reported without a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b. Under the FCRA, a consumer reporting agency may furnish a consumer report only under specific, lawful purposes listed in 1681b ( a ). Any entity that accessed my credit file without my authorization or without a valid legal reason has done so in violation of this federal law.

Upon reviewing my credit reports, I found entries that I did not authorize, nor did I initiate any transaction that would justify such access. These unauthorized entries violate 1681b ( f ), which prohibits users from obtaining a consumer report without a permissible purpose. 

Legal Precedent : In the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. ), the court ruled in favor of the plaintiff, stating that a credit report pulled without a valid permissible purpose under FCRA constitutes a willful violation, which is actionable. 

Furthermore, multiple credit bureaus were defendants in recent lawsuits filed in XXXX for re-reporting or permitting access to consumer reports after the accounts were removed, which is also considered a willful disregard of consumer rights. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I am a victim of identity theft. I am disputing an account reported by Transworld Systems Inc, originally from XXXX, with account number XXXX. This account was allegedly opened on XX/XX/XXXX, with a balance of {$450.00}, which is now showing as a collection account with a past-due status as of XX/XX/XXXX. 

I did not open this XXXX account and have no knowledge of any services, contracts, or charges related to it. I never authorized anyone to open this account in my name. 

I contacted Transworld Systems Inc and requested debt validation and a copy of any documentation linking me to this account. To date, I have not received any verification. I have filed an identity theft report with the Federal Trade Commission ( XXXX  ) and am in the process of notifying the credit bureaus. 

This account is fraudulent and should not be associated with my name or credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite prior correspondence, these accounts remain unresolved and continue to report in a manner that appears misleading and incomplete. I am again exercising my rights under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), and I am requesting a full reinvestigation. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

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 2025-08-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TN

Complaint narrative:
My daughter, XXXX XXXX, rented from XXXX XXXX from XXXX. Upon moving into the house it was required that everyone above the age of XXXX sign the lease. I signed the lease as a roommate to my daughter. I do not work, as I am XXXX. When we moved in XXXX of 2024 the rental property took my daughters {$2800.00} deposit and charged multiple fraudulent fees like {$5700.00} for dirty walls and various miscellaneous charges. XXXX XXXX had not only ruined my daughters credit but mine as well. Im on a fixed income and live with my daughter. They have put {$8200.00} worth of charges on my credit report and helped to ruin my credit. Heres pictures of the house on our final walkthrough.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Tower Loan of Mississippi, Inc.
State: TX

Complaint narrative:
I am the victim of identity theft. In XX/XX/year>, I discovered that multiple fraudulent accounts were opened and collections reported in my name without my knowledge or consent. I have already submitted a formal FTC Identity Theft Report and am requesting immediate removal and blocking of this account under the Fair Credit Reporting Act Section 605B ( 15 U.S.C. 1681c-2 ) and reinvestigation under Section 611 ( 15 U.S.C. 1681i ). Please also cease all collection and furnish details of the verification method used. No valid authorization exists.

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 2025-08-05 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: IL

Complaint narrative:
I have written to Equifax and Trans Union requesting that they remove the late payment showing on my credit report with XXXX XXXX from XX/XX/year>. Besides being a a processing error, According FCRA Section 605B, it is illegal to report any information on my credit report without my permission. I have requested that the late payment be removed by the credit reporting agency.

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 2025-08-05 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:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) 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 XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) 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 XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-05 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 am filing a complaint regarding inaccurate and/or unverified late payments reported by XXXXXXXX XXXX XXXX to the credit bureaus ( Experian, Equifax, and/or TransUnion ). These late payments are negatively impacting my credit and may be in violation of the Fair Credit Reporting Act ( FCRA ). 

Details : Creditor : XXXX XXXX XXXX Account Number : XXXX Dates of reported delinquency : [ XXXX ] I have disputed the account with the furnisher directly and requested verification, but no sufficient documentation or correction has been provided. Under FCRA 15 U.S.C. 1681s-2, furnishers are obligated to report only accurate and complete information and must correct or delete inaccurate data after notice of a dispute. 
I am requesting that the CFPB investigate this matter and that XXXX XXXX XXXX  either provide full validation of the reported late payments or remove them from all credit reporting agencies. This inaccurate reporting is causing measurable financial harm, and I am seeking resolution under applicable federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint regarding inaccurate and/or unverified late payments reported by XXXXXXXX XXXX XXXX to the credit bureaus ( Experian, Equifax, and/or TransUnion ). These late payments are negatively impacting my credit and may be in violation of the Fair Credit Reporting Act ( FCRA ). 

Details : Creditor : XXXX XXXX XXXX Account Number : XXXX Dates of reported delinquency : [ XXXX ] I have disputed the account with the furnisher directly and requested verification, but no sufficient documentation or correction has been provided. Under FCRA 15 U.S.C. 1681s-2, furnishers are obligated to report only accurate and complete information and must correct or delete inaccurate data after notice of a dispute. 
I am requesting that the CFPB investigate this matter and that XXXX XXXX XXXX  either provide full validation of the reported late payments or remove them from all credit reporting agencies. This inaccurate reporting is causing measurable financial harm, and I am seeking resolution under applicable federal consumer protection laws.

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 2025-08-05 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: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-08-05 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: NV

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 non-monetary relief
Consumer complaint received 2025-08-05 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: FL

Complaint narrative:
XXXX has repeatedly violated the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate and unauthorized inquiry on my credit report, despite multiple complaints and disputes. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers must ensure accuracy, yet errors persist. Additionally, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires a reasonable investigation of disputes, which EQUIFAX has failed to conduct. Their continued noncompliance has caused financial harm, and I request immediate corrective action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( 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