vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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: PA

Complaint narrative:
I have identified serious discrepancies and potential legal violations concerning the management and reporting of my debt associated with the XXXXXXXX XXXX managed by XXXX XXXX  XXXX and subsequently handled by your agency. This account has been reported as a charge-off with an outstanding balance of {$830.00} on my credit report.

Lack of Debt Validation : Despite repeated requests, I have not received adequate validation of this debt, as required under 12 CFR 1006.34 ( b ) ( 5 ). This lack of transparency has hindered my ability to verify or dispute the debt accurately.

Improper Communication and Collection Practices : Your agency has failed to provide proof of your authority to collect this debt, including the absence of a purchase agreement between yourselves and the original creditor. Additionally, there has been no proof furnished that your agency is licensed and bonded to collect debts in my state, which raises concerns regarding the legality of your collection efforts.

Revocation of Communication Consent : I am formally revoking any consent previously implied for your agency to contact me via telephone, email, or text message regarding this account. I request that all future communications be conducted through postal mail only.

Reporting Without Proper Authority : The account continues to be reported without adequate proof of your authority to do so, in violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ).

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 2025-04-08 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: WI

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ).

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCXXXX 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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to TransUnion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Inquiry ( TU ) XXXX - Date Of Inquiry : XX/XX/2023 XXXX  XXXX - Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date of Inquiry : XX/XX/2023 I am outraged to find serious reporting errors on my TransUnion credit report that should never have been included. These inaccuracies are not minorthey are actively sabotaging my financial standing and restricting my opportunities. I have disputed these errors before, yet they remain uncorrected. This ongoing failure to maintain accurate records is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), I have a legal right to a completely accurate and verifiable credit report. If these disputed accounts can not be substantiated with irrefutable proof, they must be deleted immediately. I demand a full reinvestigation and expect immediate corrective action. This is not a requestit is a demand for compliance with federal law. Any failure to act will be treated as willful negligence and will not be ignored.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Ive discovered that a company pulled my credit without my permission. I never authorized them to do so, and Im concerned that my information was used without 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 non-monetary relief
Consumer complaint received 2025-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In early XXXX, I discovered that XXXX was reporting an account with XXXX XXXX XXXX XXXX that does not belong to me, but appears to belong to another individual using the same mailing address. I submitted formal disputes to XXXX multiple times, providing evidence that the account was not mine and that my SSN ends in XXXX, with a different DOB than the individual listed. 

XXXX failed to properly investigate and continued reporting the false tradeline, despite clear identity mismatch and documentation submitted. Their failure to conduct a reasonable reinvestigation within the XXXX FCRA timeframe and continued refusal to delete the false account violates the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. 

I also opened an AAA arbitration case against XXXX and submitted related documentation to the XXXX  XXXX XXXX  XXXX XXXX XXXX and XXXX due to discriminatory harm and housing barriers created by this false reporting. 

As of today, XXXX continues to allow inaccurate reporting, creating ongoing financial harm, particularly as I am attempting to qualify for housing grants and assistance programs. I am requesting that the CFPB step in to investigate this pattern of non-compliance and compel XXXX to delete the incorrect tradeline and issue formal confirmation of the correction.

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 2025-04-08 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: NY

Complaint narrative:
In early 2024, I discovered that XXXX was reporting an account with XXXX XXXX XXXX XXXX that does not belong to me, but appears to belong to another individual using the same mailing address. I submitted formal disputes to XXXX multiple times, providing evidence that the account was not mine and that my SSN ends in XXXX, with a different DOB than the individual listed. 

XXXX failed to properly investigate and continued reporting the false tradeline, despite clear identity mismatch and documentation submitted. Their failure to conduct a reasonable reinvestigation within the XXXX FCRA timeframe and continued refusal to delete the false account violates the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. 

I also opened an AAA arbitration case against XXXX and submitted related documentation to the XXXX  XXXX XXXX  XXXX XXXX XXXX and XXXX due to discriminatory harm and housing barriers created by this false reporting. 

As of today, XXXX continues to allow inaccurate reporting, creating ongoing financial harm, particularly as I am attempting to qualify for housing grants and assistance programs. I am requesting that the CFPB step in to investigate this pattern of non-compliance and compel XXXX to delete the incorrect tradeline and issue formal confirmation of the correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: OH

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. 've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

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 2025-04-08 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: OH

Complaint narrative:
I recently filed a dispute on XX/XX/year> for XXXX, XXXX XXXX XXXX  accounts. XXXX account number is XXXX the other account number for the second account is XXXX. Experian  denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian  ) .They alleged the company of accepting unreliable information, failure to notify consumer dispute results. Experian  has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or correctedimmediately as it's affecting my chances of getting { house, car, etc }. Experian  violates my rights as a consumer, as well as federal laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: OH

Complaint narrative:
I recently filed a dispute on XX/XX/year> for XXXX, XXXX XXXX XXXX  accounts. XXXX account number is XXXX the other account number for the second account is XXXX. Experian  denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian  ) .They alleged the company of accepting unreliable information, failure to notify consumer dispute results. Experian  has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or correctedimmediately as it's affecting my chances of getting { house, car, etc }. Experian  violates my rights as a consumer, as well as federal 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 2025-04-08 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: MA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX # XXXX - Date Opened XX/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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I checked my credit report this morning like I usually do, and to my shock, there was an unauthorized inquiry on it. I tried refreshing the page, hoping it was just a system glitch, but the inquiry is still there. This situation is deeply upsetting, and I insist on an urgent and thorough review of my submitted documents so I can stop dealing with this stress.

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 2025-04-08 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: MI

Complaint narrative:
Addresses on my credit report that I did not authorize to be on there and some of the information is invalid due me not even resident at the 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 2025-04-08 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: MI

Complaint narrative:
Addresses on my credit report that I did not authorize to be on there and some of the information is invalid due me not even resident at the address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: IL

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: TX

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: TX

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items.

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 2025-04-08 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: GA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/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 explanation
Consumer complaint received 2025-04-08 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: TX

Complaint narrative:
Hi Team, I have seen that the new account has been added to my transunion around XXXX $ and I have raised the dispute through transunion and got the report saying the details was accurate but I have not applied this loan and reached out to XXXX  XXXX  and asked for the FTC Report and DL.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Collection I Charge Off ( XXXX ) XXXX XXXX  - Account Number : XXXX - Balance : {$130.00} XXXX XXXX XXXX - Account Number : XXXX - Balance : {$0.00} XXXX - Account Number : XXXX - Balance : {$43000.00} XXXX  - Account Number : XXXX - Balance : {$1000.00} Equifax has a documented history of failing to properly investigate consumer disputes, leading to legal action for FCRA violations. This pattern of noncompliance is unacceptable, and I refuse to allow my financial profile to suffer due to Equifaxs negligence. 

Federal law ( 15 U.S.C. 1681i ) requires Equifax to conduct a legitimate reinvestigation of all disputed information within 30 days. If any item can not be 100 % verified with legitimate, original documentation, it must be deleted. These reporting errors are actively damaging my financial standing, and I demand immediate corrective action. Any failure to comply will be met with further escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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:
Late Payment ( 3 Bureaus ) XXXX - Account Number : XXXX - Past Due : {$0.00} My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These false records are unfairly lowering my credit score and creating unnecessary financial roadblocks. I have always upheld my financial responsibilities, yet these errors persist. 

Under the FCRA, all reported information must be accurate and verifiable. If these remarks can not be substantiated with original, signed documentation, they must be removed at once. I expect immediate corrective actionany further delay will be considered deliberate noncompliance.

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 2025-04-08 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Accounts on my credit report have been charged off or written off and improper payment dates have appeared on my report and due the account being closed the information should not appear on my credit report.

Company response to consumer: Closed with explanation