vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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:
There is a collection account being reported on my credit file that I have no affiliation with. I have never opened, used, or been responsible for the associated obligation. It appears this may have resulted from an error, a file mix-up, or even identity misuse.

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 2025-06-30 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 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, Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$460.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXXXXXX 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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Subject : XXXX ( XXXX ) URGENT REQUESTS # XXXX - Reinsertion of Fraudulent Account Without Proper Notice ( FCRA Violation ) Credit Report by placing Incorrect information back onto my report # XXXX - XXXX hard inquiries on my credit report that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX : XXXXXXXX  ( via XXXX XXXX XXXX ) A fraudulent debt in the amount of {$120.00} ( XXXX XXXX XXXX on behalf of XXXX  ) was previously investigated, verified as identity theft, and removed from my Experian credit report. 

However, on or around XX/XX/year>, this same account under a different collection agency was illegally reinserted into my Experian credit file without notifying me in writing, violating the Fair Credit Reporting Act ( FCRA 611 ( a ) ( 5 ) ( B ) ). The law clearly requires Experian to provide written notice within XXXX business days of any reinsertion of a previously deleted item, no such notice was ever sent to me. 

Experian already has : Court records proving I am a documented victim of identity theft and data breaches. 

An active credit freeze/lock on my file. 
As a result of this illegal reinsertion, my credit score dropped more than XXXX points overnight, severely damaging my creditworthiness causing me the inability to complete a major financial purchase that was currently in progress. 

My physical, emotional, and financial stability. 

I am requesting that the CFPB take immediate action : Demand Experian immediately delete the reinserted account. 

Ensure the account is permanently removed and never reported again. 

Restore my credit score to its prior status of over XXXX ( immediately ) XXXX XXXX 

Hold Experian and XXXX ( XXXX ) accountable for violating federal consumer protection laws. 

Enforce reasonable compensation for the serious hardship and damage I have suffered due to this. 

This is a clear and serious violation of federal law under FCRA 611 ( a ) ( XXXX ) ( B ). If not resolved immediately, I will pursue legal action under FCRA 616 and 617 for damages. 

Requested Resolution : Permanent deletion of the fraudulent reinserted account. 

Immediate restoration of my credit score. 

Written explanation from both Experian and the creditor ( XXXX ). 

Compensation for the significant harm caused. 

I appreciate your time and assistance in this matter. 

Thank you, 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 2025-06-30 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:
To Whom It May Concern, My name is Lateef Young, and I am submitting a formal complaint and dispute regarding XXXX items on my credit report that I believe are inaccurate, outdated, and unverifiable. These items are negatively impacting my credit standing, and I am requesting the CFPBs assistance in resolving this matter under the protections of the Fair Credit Reporting Act ( FCRA ). 



XXXX. Charge-Off XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00} Issue : This charge-off is reporting inaccurately and has not been verified with any original signed contract or documentation. I have not received proper validation from the furnisher, and the credit bureaus continue to report this information without confirming its accuracy. 



XXXX. XXXX XXXX  XXXX XXXX XXXX / Furnisher : XXXX XXXX ( or collector reporting on behalf of XXXX XXXX ) Amount : {$210.00} Issue : This collection is unfamiliar to me and lacks supporting documentation. I was not properly notified, and no validation was ever sent. I believe this is either incorrect or misreported. 



Request : I am formally requesting the removal of both items from all credit reporting agencies unless the furnishers can fully validate the debts with original signed contracts and detailed account histories. In accordance with the FCRA, unverified, outdated, or inaccurate items must be promptly removed. 

Additionally, I am requesting a review of all other negative items on my credit report, as many appear incomplete, unverified, or outdated. I would appreciate an investigation into all accounts that may violate federal consumer protections. 



My Information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX City/State/ZIP : XXXX, GA XXXX XXXX am requesting your help to hold these entities accountable for the accurate and lawful reporting of consumer data. 

Thank you for your attention to this matter. 

Sincerely, 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 2025-06-30 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: GA

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and I am submitting a formal complaint and dispute regarding XXXX items on my credit report that I believe are inaccurate, outdated, and unverifiable. These items are negatively impacting my credit standing, and I am requesting the CFPBs assistance in resolving this matter under the protections of the Fair Credit Reporting Act ( FCRA ). 



XXXX. Charge-Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00} Issue : This charge-off is reporting inaccurately and has not been verified with any original signed contract or documentation. I have not received proper validation from the furnisher, and the credit bureaus continue to report this information without confirming its accuracy. 



XXXX. Collection XXXX  XXXX XXXX XXXX / Furnisher : XXXX XXXX ( or collector reporting on behalf of XXXX XXXX ) Amount : {$210.00} Issue : This collection is unfamiliar to me and lacks supporting documentation. I was not properly notified, and no validation was ever sent. I believe this is either incorrect or misreported. 



Request : I am formally requesting the removal of both items from all credit reporting agencies unless the furnishers can fully validate the debts with original signed contracts and detailed account histories. In accordance with the FCRA, unverified, outdated, or inaccurate items must be promptly removed. 

Additionally, I am requesting a review of all other negative items on my credit report, as many appear incomplete, unverified, or outdated. I would appreciate an investigation into all accounts that may violate federal consumer protections. 



My Information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX City/State/ZIP : XXXX, GA XXXX XXXX am requesting your help to hold these entities accountable for the accurate and lawful reporting of consumer data. 

Thank you for your attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-06-30 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: GA

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and I am submitting a formal complaint and dispute regarding XXXX items on my credit report that I believe are inaccurate, outdated, and unverifiable. These items are negatively impacting my credit standing, and I am requesting the CFPBs assistance in resolving this matter under the protections of the Fair Credit Reporting Act ( FCRA ). 



XXXX. Charge-Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00} Issue : This charge-off is reporting inaccurately and has not been verified with any original signed contract or documentation. I have not received proper validation from the furnisher, and the credit bureaus continue to report this information without confirming its accuracy. 



XXXX. Collection XXXX XXXXXXXX XXXX XXXX / Furnisher : XXXX XXXX ( or collector reporting on behalf of XXXX XXXX ) Amount : {$210.00} Issue : This collection is unfamiliar to me and lacks supporting documentation. I was not properly notified, and no validation was ever sent. I believe this is either incorrect or misreported. 



Request : I am formally requesting the removal of both items from all credit reporting agencies unless the furnishers can fully validate the debts with original signed contracts and detailed account histories. In accordance with the FCRA, unverified, outdated, or inaccurate items must be promptly removed. 

Additionally, I am requesting a review of all other negative items on my credit report, as many appear incomplete, unverified, or outdated. I would appreciate an investigation into all accounts that may violate federal consumer protections. 



My Information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX City/State/ZIP : XXXX, GA XXXX XXXX am requesting your help to hold these entities accountable for the accurate and lawful reporting of consumer data. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: NJ

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 reporting agency, 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt This accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-30 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 am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-30 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: DC

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: TN

Complaint narrative:
I have submitted several dispute letters to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report ; however, the errors remain unresolved. Attached are copies of the correspondence previously sent to each bureau. For your review, I have also included a table summarizing the discrepancies across all three reports. I kindly request your assistance in addressing and correcting these issues as soon as possible.

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 2025-06-30 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: TN

Complaint narrative:
I have submitted several dispute letters to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report ; however, the errors remain unresolved. Attached are copies of the correspondence previously sent to each bureau. For your review, I have also included a table summarizing the discrepancies across all three reports. I kindly request your assistance in addressing and correcting these issues as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY
State: NM

Complaint narrative:
I do not disagree that the account was opened on XX/XX/year>, but I never once received a bill much less my account number and address to pay the company. I received one late payment notice in XXXX, but when I called to make the payment, they could not provide me with my account number nor information on where to send future payments. They also said the payment was not late at that time. I have never received any other communication whatsoever from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: AL

Complaint narrative:
I have sent multiple dispute letters to Equifax, Experian, and TransUnion regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a three-bureau comparison table. I would appreciate your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: AL

Complaint narrative:
I have sent multiple dispute letters to Equifax, Experian, and TransUnion regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a three-bureau comparison table. I would appreciate your assistance in resolving 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 explanation
Consumer complaint received 2025-06-30 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: NV

Complaint narrative:
This letter serves as a formal follow-up to my initial dispute XXXX regarding inaccurate information being reported on my consumer credit report by XXXX, TransUnion, and XXXX  for XXXX ( XXXXXXXX XXXX XXXX  ), XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ), XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX  ), XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ), and DISCOVERCARD ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am now invoking my rights under FCRA 611 ( 15 U.S.C. 1681i ), which mandates that consumer reporting agencies reinvestigate disputed information and provide a detailed description of the procedure used to determine the accuracy and completeness of the disputed items. Since your previous response returned the accounts as verified, I am now requesting the specific method of verification used to reach that conclusion, including the name and contact information of the furnisher, and the original source of the data used to verify the accuracy of the delinquency status reported. If you are unable to provide this information, or if the furnisher can not produce documented evidence bearing my original wet signature authorizing the reporting of such information, then per the FCRA, all contested items in my original dispute must be permanently deleted from the credit report you maintain. 
2

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 2025-06-30 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX - XXXX ] Account Number : [ XXXX XXXX - XXXX ] Creditor Name : [ XXXX XXXX - XXXX ] Account Number : [ XXXX - XXXX ] Creditor Name : [ XXXX - XXXX ] Account Number : [ XXXX XXXX XXXXXXXX ] Creditor Name : [ XXXX XXXX XXXXXXXX ] Account Number : [ ]

Company response to consumer: Closed with non-monetary relief