vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this formal complaint against TransUnion, LLC for failing to remove unauthorized credit inquiries from my credit report and for their lack of response to my dispute. Despite my request submitted on [ date ], the credit union has not taken appropriate action in accordance with federal law. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, a company may only access my credit report with my explicit consent. If an inquiry was made without my authorization, it constitutes a violation of my rights under FCRA. Additionally, per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies and furnishers of information are required to investigate disputes within 30 days. [ Credit Union Name ] has failed to comply with this legal requirement by not responding or providing evidence of permissible purpose for the inquiry.

Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers of information have a duty to ensure the accuracy of the information they provide to credit reporting agencies. If the inquiry was unauthorized and the credit union failed to correct or remove it, this is a clear violation of the statute.

I request the CFPB to investigate this matter and take appropriate enforcement action against TransUnion, LLC for noncompliance. I also request that these unauthorized inquiries be removed from my credit report immediately. Enclosed are copies of my original dispute letter, my credit report showing the unauthorized inquiries, and any supporting documentation.

I appreciate your prompt attention to this matter and look forward to your response. Please keep me informed of any updates regarding my complaint.

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 2025-03-06 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: GA

Complaint narrative:
The late payment records on my credit report are incorrect and must be addressed immediately. Given recent data security concerns, I have reason to believe these discrepancies could be tied to a data breach. Specifically, the late payments reported on my XXXX accounts, Account # XXXX and Account # XXXX, are completely inaccurate and need to be corrected immediately. I will not allow misleading information to harm my financial standing. 

I take my financial responsibilities seriously and will not accept errors that unfairly impact my credit profile. A full investigation is required, and any data that can not be verified with solid proof must be corrected or removed immediately. 

Under the FCRA, I am entitled to a credit report that is both accurate and free of misleading information. The continued presence of incorrect data is unacceptable, and I expect immediate corrective action. Any further delays or negligence in resolving this matter will not be tolerated.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-03-06 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: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have made every effort to ensure the accuracy of my credit report, yet these errors persist. This situation is beyond frustratingit is completely unacceptable. The presence of false information, such as the charge-off reported by XXXX XXXX  Account # XXXX with a balance of {$120.00}, violates my rights as a consumer, and I demand immediate corrective action. 

Additionally, I have strong reason to suspect that these discrepancies may be the result of a data breach, making their continued reporting even more concerning. The FCRA was enacted to protect consumers from exactly this kind of negligence, where reporting errors and misconduct negatively impact financial well-being. Allowing these inaccuracies to remain on my file is a clear failure to uphold my rights, and I expect immediate action to correct this issue.

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 2025-03-06 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: AR

Complaint narrative:
I am filing a formal complaint against XXXX XXXX and the credit bureaus for reporting inaccurate and unverifiable information on my credit report in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ). 



Details of the Issue : Creditor : Applied Bank Account Number ( Last XXXX Digits ) : XXXX Amount Reported : {$600.00} Status : Charged Off Date Opened : XX/XX/XXXX Charge-Off Date : XX/XX/XXXX Status Updated : XX/XX/XXXX ( which is in the future ) Problems with the Reporting : XXXX. Inconsistent and Incorrect Dates : The account was opened in XX/XX/XXXX and was charged off by XX/XX/XXXX, which seems premature. 

The status update reflects XX/XX/XXXX, a future date, which is impossible and suggests errors in reporting. 

XXXX. Account Was Sold But Still Being Reported : If this account was soldXXXX XXXX XXXX  should not be reporting an outstanding balance. The reporting must show a {$0.00} balance unless legally verified. 

XXXX. Incorrect Balance and Charge-Off Reporting : If the account was charged off, there should not still be an active past-due balance of {$600.00}. This is misleading and violates FCRA guidelines. 

XXXX. No Validation Provided : I have no knowledge of this account and have requested verification. Under FCRA 611, the creditor must provide supporting documentation to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: AR

Complaint narrative:
I am filing a formal complaint against XXXX XXXX and the credit bureaus for reporting inaccurate and unverifiable information on my credit report in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ). 



Details of the Issue : Creditor : Applied Bank Account Number ( Last XXXX Digits ) : XXXX Amount Reported : {$600.00} Status : Charged Off Date Opened : XX/XX/XXXX Charge-Off Date : XX/XX/XXXX Status Updated : XX/XX/XXXX ( which is in the future ) Problems with the Reporting : XXXX. Inconsistent and Incorrect Dates : The account was opened in XX/XX/XXXX and was charged off by XX/XX/XXXX, which seems premature. 

The status update reflects XX/XX/XXXX, a future date, which is impossible and suggests errors in reporting. 

XXXX. Account Was Sold But Still Being Reported : If this account was soldXXXX XXXX XXXX  should not be reporting an outstanding balance. The reporting must show a {$0.00} balance unless legally verified. 

XXXX. Incorrect Balance and Charge-Off Reporting : If the account was charged off, there should not still be an active past-due balance of {$600.00}. This is misleading and violates FCRA guidelines. 

XXXX. No Validation Provided : I have no knowledge of this account and have requested verification. Under FCRA 611, the creditor must provide supporting documentation to validate the debt.

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 2025-03-06 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/scrub>XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Upon my request, XXXX bank open an account for me at XXXX XXXX and mailed all the documents to the wrong address. I never received any invoices or statements or even the card itself so, it wasn't paid. 

Several months in, they finally contacted the XXXX contact number on my application and reached my husband XXXX who, upon finding out about the open balance and sale of the delinquent account to a collection agency, asked for more information. They responded with confirming my name and mailing address. It was at that point that he noted their discrepancy of having the wrong address. 

Not wanting to pay off a collection agency and having it affect my credit, he then called XXXX directly and discussed the problem with them in hopes of correcting the discrepancy. When they finally sent the statement of accounts to us, he paid the original open balance immediately which was on the copy of the original statement. 

The amount they claim that was written off and is now noted negatively on my credit history and is the finance charge that would have never been charged had they mailed the original paperwork to the correct address.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Negative accounts reporting inaccuratecy on my credit report. According to 15 USC 1681EB. You are suppose to assure maximum possible accuracy.these accounts are not accurate according to the fair Credit Reporting Act. 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 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
on XX/XX/XXXX i called citibank to cancel my credit card as i had lost/misplaced it. 

Citibank cancelled it and confirmed that no further charges would go through on that card. 
I called again the next day to make sure that the card could not be used at all by anyone. once again they assured me that the card could not be used and confirmed that there were NO PENDING CHARGES. 

On XXXX XXXX a charge of {$1500.00} appeared on my statement from a vendor that had the number of that cancelled card. 

when i called Citibank to ask how this could have happened they told me that the card had been cancelled but they had, WITHOUT MY KNOWLEDGE OR CONSENT, sent my NEW card number to all vendors that had recurring debits set up on my account. 
They said now i would have to dispute the charge with the vendor that charged me. 

I do not want to dispute the charge with the vendor. i want Citibank to refund my {$1500.00} as my card should not have been able to be debited and it is Citibanks fault that they did not completly cancel the card and then shared my new card details without my knowledge or consent. 

Citibank is refusing to refund me and is now denying that they sent the card details to anyone even after they admitted that they did.

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 monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am formally disputing an inaccurate and unverified item on my credit report that violates the Fair Credit Reporting Act ( FCRA ). 

Creditor Name : XXXX XXXX XXXX Issue : The account has inconsistencies and unverifiable reporting that require deletion. 
Legal Arguments for Removal : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Credit bureaus must conduct an independent and reasonable investigation beyond automated verification. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) When notified of a dispute, credit bureaus must promptly correct or delete inaccurate information. 

15 U.S.C. 1681i ( a ) ( XXXX ) ( A ) Any unverified or inaccurate account must be deleted if it fails to meet accuracy standards. 
As this account contains conflicting information, it must be removed. Please send a written response within 30 days as required by the FCRA. 

Enclosures : A copy of my credit report with the disputed item highlighted. 
A copy of my identification for verification.

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 2025-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
On XX/XX/year>, I submitted a dispute to Experian requesting the immediate blocking and removal of fraudulent accounts under FCRA Section 605B ( 15 U.S.C. 1681c-2 ). My submission included : FTC Identity Theft Report ( # XXXX, dated XX/XX/year> ). 
A notarized affidavit affirming identity theft ( dated XX/XX/year> ). 
Government-issued identification ( passport and Social Security card ).

A list of fraudulent accounts to be blocked. 
On XX/XX/year>, Experian received my dispute ( confirmed via XXXX certified mail tracking ). However, instead of complying with FCRA 605B, Experian responded on XX/XX/year>, stating : They would not block the fraudulent accounts, falsely claiming : The request was made in error. 
The FTC Identity Theft Report was not filed with law enforcement, even though FCRA 605B does not require this.

I may have benefited from the fraudulent accounts, without providing any evidence. 
They would take up to 30 days to investigate, which violates the XXXX business day requirement under FCRA 605B . 
They requested additional identity verification, despite already receiving a government-issued passport and Social Security card XXXX 
On XX/XX/year>, I sent a second notice demanding compliance with FCRA XXXX, explaining that Experians refusal to block fraudulent accounts violates federal law. I also challenged their baseless claim that I benefited from the fraud. 

Under FCRA 605B, Experian was required to : Block fraudulent information within XXXX business days of receiving my FTC Identity Theft Report. 
Accept an FTC Identity Theft Report as sufficient proof, without requiring a police report. 
Immediately remove fraudulent accounts once identity theft is confirmed. 
Experian failed to act within the legal timeframe, unlawfully refused to block fraudulent accounts, and delayed the process with unnecessary document requests. Their actions are in direct violation of FCRA 605B.

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 2025-03-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
XXXX XXXX was stolen from me company offer me a low minimum payment to replace XXXX XXXX but I'm currently homeless and struggling with today 's society I need with this to see what way we can fix this and get a better outcome knowing I don't want this debit to hurt my credit score knowing well that I had the phone stolen from me on the train and could completely track due to the battery draining and XXXX call the cops but they were not complying with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation