vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: DE

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to Trafficking-Debt Bondage Final Rule XXXX ( b ) ( XXXX ) - ( XXXX ) -- -- -- XXXX ( b ) ( XXXX ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to XXXX ( b ) ( 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 2025-07-21 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: CA

Complaint narrative:
I found accounts and inquiries on my account that dont belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: IL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned 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 2025-07-21 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:
I am submitting this complaint regarding an inaccurate collection tradeline being reported by XXXX XXXX XXXX on my credit report. The account is tied to a rental property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have received written confirmation from XXXX XXXX XXXX XXXX XXXX XXXX ) the last known and authorized collection agency for this debt that the account has been canceled in their office and that they have formally requested the item be removed from my credit file. I have included this letter as supporting documentation. 

Despite this, one or more credit bureaus are continuing to report the XXXX XXXX XXXX tradeline, even though XXXX XXXX : -Was never authorized to collect or report this debt ; -Was not the active collector at the time of cancellation ; - Can not provide proper verification of their authority to furnish the data. 

I have disputed this item with the credit bureaus and provided the XXXX cancellation letter, yet the bureaus appear to have relied solely on XXXX XXXX unverifiable confirmation and have failed to conduct a reasonable investigation as required under FCRA 611 ( a ).

I am also requesting the bureaus provide the method of verification as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) including the name of the party contacted, the documents used, and how verification was completed. So far, that information has not been provided, and the tradeline remains on my report. 

Addl Reference : Collection account from XXXX XXXX XXXX  with account # XXXX and a balance of {$8700.00}.

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 2025-07-21 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: KY

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned 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 non-monetary relief
Consumer complaint received 2025-07-21 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: NJ

Complaint narrative:
I am submitting this complaint regarding an inaccurate collection tradeline being reported by XXXX XXXX XXXX on my credit report. The account is tied to a rental property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have received written confirmation from XXXX XXXX XXXX XXXX XXXX XXXX ) the last known and authorized collection agency for this debt that the account has been canceled in their office and that they have formally requested the item be removed from my credit file. I have included this letter as supporting documentation. 

Despite this, one or more credit bureaus are continuing to report the XXXX XXXX XXXX tradeline, even though XXXX XXXX : -Was never authorized to collect or report this debt ; -Was not the active collector at the time of cancellation ; - Can not provide proper verification of their authority to furnish the data. 

I have disputed this item with the credit bureaus and provided the XXXX cancellation letter, yet the bureaus appear to have relied solely on XXXX XXXX unverifiable confirmation and have failed to conduct a reasonable investigation as required under FCRA 611 ( a ).

I am also requesting the bureaus provide the method of verification as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) including the name of the party contacted, the documents used, and how verification was completed. So far, that information has not been provided, and the tradeline remains on my report. 

Addl Reference : Collection account from XXXX XXXX XXXX  with account # XXXX and a balance of {$8700.00}.

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 non-monetary relief
Consumer complaint received 2025-07-21 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:
I am submitting this complaint regarding an inaccurate collection tradeline being reported by XXXX XXXX XXXX on my credit report. The account is tied to a rental property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have received written confirmation from XXXX XXXX XXXX XXXX XXXX XXXX ) the last known and authorized collection agency for this debt that the account has been canceled in their office and that they have formally requested the item be removed from my credit file. I have included this letter as supporting documentation. 

Despite this, one or more credit bureaus are continuing to report the XXXX XXXX XXXX tradeline, even though XXXX XXXX : -Was never authorized to collect or report this debt ; -Was not the active collector at the time of cancellation ; - Can not provide proper verification of their authority to furnish the data. 

I have disputed this item with the credit bureaus and provided the XXXX cancellation letter, yet the bureaus appear to have relied solely on XXXX XXXX unverifiable confirmation and have failed to conduct a reasonable investigation as required under FCRA 611 ( a ).

I am also requesting the bureaus provide the method of verification as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) including the name of the party contacted, the documents used, and how verification was completed. So far, that information has not been provided, and the tradeline remains on my report. 

Addl Reference : Collection account from XXXX XXXX XXXX  with account # XXXX and a balance of {$8700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: EQUIFAX, INC.
State: CO

Complaint narrative:
We sold our house in XX/XX/year>, at which point it was agree that this would be paid off upon the closing of the sale, we have not been provided with signed documents from both parties, or a bill or reason stating why it was not paid off- so we are under the impression it should have been paid as agreed. XXXX XXXX  or credit agencies have not given or provided us with information regarding this investigation, and we have been fighting it since XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
I received a letter stating the liability insurance for the property was expiring. I live in a condominium and I am not responsible for the liability insurance on the property. 

The liability insurance is selected and maintained by the management company. I contacted that management company and the insurance provider for the property. The insurance was not expired, nor has there ever been a lapse in coverage. 

The insurance provider faxed a copy of the policy to Newrez Mortgage. The insurer provided a copy to me and I uploaded a copy to Newrez Mortgage. 

I received a letter on XX/XX/XXXX indicating that Newrez mortgage and received the liability insurance. 

On XX/XX/XXXX I received a letter from Newrez mortgage indicating that insurance had lapsed and they added a charge to an escrow account. I do not have an escrow account because I placed 20 % down with the mortgage loan was initiated in 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 2025-07-21 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: FL

Complaint narrative:
Multiple entities have accessed and used my personal identifying information ( PII ) including my name, Social Security number, and credit filewithout a lawful permissible purpose as defined under FCRA 604 ( a ). In many cases, the original creditors or data furnishers may have had limited, one-time access based on prior relationships, but no ongoing consent was granted to furnish, transfer, sell, or re-report this data to credit bureaus, data brokers, third-party collectors, or affiliated downstream parties.

Additionally, several hard inquiries have appeared on my credit report from companies with whom I never applied, never initiated a transaction, and have no direct relationship. These inquiries were conducted without my authorization and violate the permissible purpose standard under federal law.

Under FCRA 604, no entity may access or use a consumer 's credit file without a legitimate and provable permissible purpose. Continued reporting after the revocation of consent constitutes a privacy violation and unauthorized use of personal information. 
Under FCRA 605B, any consumer may request the blocking of information resulting from identity misuse, fraud, or unauthorized use of their informationeven outside of traditional identity theft definitionsso long as they submit a dispute, police documentation, and a list of the disputed items. Attached to this notice are the following : 1. A formal police report documenting the unauthorized and non-consensual use of my identity A written statement revoking prior consent and disputing the reporting of specific accounts and inquiries 2. A list of accounts, collections, and inquiries that were reported or accessed without lawful authorization 3. 
4. A copy of my government-issued ID and proof of address for verification purposes I hereby issue an irrevocable revocation of any prior consentwhether explicit, implied, or inferredthat may have permitted : 1. Furnishing or reporting of my personal identifying information to credit bureaus 2. Use of my Social Security number or credit profile for account verification or inquiry purposes 3. Access to my credit file by any entity without my active authorization Any further sharing, reporting, or inquiry activity by any party without my express permission will be considered a knowing violation of federal law and an unauthorized use of my identity under FCRA and GLBA.

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 2025-07-21 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: TX

Complaint narrative:
I was recently traveling and, during that time, I lost my wallet and became a victim of identity theft. As a result, several fraudulent accounts and inquiries appeared on my credit report. I did not authorize or open any of these accounts or inquiries, they do not belong to me and are the result of fraud. 

Also, my accounts were always on time! I have a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: SC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against all three major credit reporting agencies XXXX, Experian, and TransUnion for continuing to report inaccurate and unverified information on my credit reports in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/year>, I initiated a formal dispute with each bureau regarding a questionable account reported by : The details of the account in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened : Data Unavailable I also requested debt validation directly from the creditor as allowed under 15 U.S. Code 1692g of the FDCPA. The creditor has failed to provide proper debt validation documentation within the legally required time frame. Despite this, the credit bureaus have continued to report this unverifiable account, which is in direct violation of FCRA 1681i ( a ), which requires deletion or correction of inaccurate or unverified information. 

I have attached : Copies of my original dispute letters sent to the credit bureaus Copies of my request to the creditor for debt validation Proof of delivery and communication Updated credit reports showing the continued presence of the disputed item I am requesting that the Consumer Financial Protection Bureau : Investigate the failure of XXXX, Experian, and TransUnion to fulfill their legal obligation to remove unverifiable information Ensure that the unverified account is deleted from my credit files Take appropriate enforcement action to prevent this from recurring I respectfully ask for your assistance in resolving this matter. Thank you for your time and attention.

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 2025-07-21 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 non-monetary relief
Consumer complaint received 2025-07-21 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: IL

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 non-monetary relief
Consumer complaint received 2025-07-21 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: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Unauthorized credit inquiries from XXXX Bank in XXXX ( XXXX ) and XXXX ( XXXX ) of 2025. Tried to contact all XXXX credit bureaus to dispute the validity of the inquiries, but have not received any correspondence back about it. Would like them removed from my credit report ASAP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Unauthorized credit inquiries from XXXX Bank in XXXX ( XXXX ) and XXXX ( XXXX ) of 2025. Tried to contact all XXXX credit bureaus to dispute the validity of the inquiries, but have not received any correspondence back about it. Would like them removed from my credit report ASAP!

Company response to consumer: Closed with explanation