vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section XXXXC 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 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. XXXXg ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to XXXX XXXX XXXX XXXXg ( b ). According to, XXXX XXXX XXXX XXXX The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: American First Finance, Inc.
State: PA

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: NY

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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX since it seems that theyre not doing anything to resolve my issue. My name is 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 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
o formally dispute information regarding my account with XXXX XXXX, which ends in XXXX. This dispute is being raised under my rights as outlined in Section XXXX of the Fair Credit Reporting Act ( FCRA ), which allows me to request that inaccurate information be corrected or removed from my credit report. 

Upon reviewing my credit report, I have found discrepancies regarding the details of this account. Specifically, I believe the information reported may be incorrect or incomplete, which is why I am requesting a thorough review of the account details and supporting documentation. 

The account in question is : Account Name : XXXX XXXX Account Number ( Last 4 Digits ) : XXXX Discrepancy : account was charged off by the original creditor. If this is indeed the case, I have not received a 1099-C form from the creditor for the tax year in which the charge-off occurred. As I understand it, when an account is charged off and a tax deduction is taken by the creditor, the debtor is supposed to receive a 1099-C form, and the amount of debt forgiven may be considered taxable income. 
Please provide me with the necessary documentation to verify the accuracy of this account, including any signed agreements or transaction records related to it. If the information can not be validated, I kindly ask for the account to be corrected or removed from my credit report as per my rights under the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. Please confirm receipt of this dispute, and I look forward to your resolution of the issue within the required 30-day period as stipulated by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital one closed both my credit card accounts., that is fine, but why still keep charging me a monthly payment fee like the cards are still open, and report them to the credit agency , Like I am over my limit, because I am still using the cards to makes purchases..it is a burden

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: FL

Complaint narrative:
please remove the following inquiries from my report. please see the following attached 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 explanation
Consumer complaint received 2025-03-11 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:
XXXX XXXX XXXX XXXX XXXXXXXX Placed in XXXX Balance XXXX $ Error : I did not use any personal information to obtain this account and Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o, my report must be accurate. 

XXXX XXXX XXXX # XXXX XXXX Balance : XXXX $ Error : I did not use any personal information to obtain this account and Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o, my report must be accurate. 

XXXX XXXX XXXX # XXXX Opened : XX/XX/XXXX Balance : XXXX $ {$20000.00} Error : I did not use any personal information to obtain this account and Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o, my report must be accurate. 

XXXX XXXX XXXX # XXXX Opened : XX/XX/XXXX Balance : XXXX $ Error : I did not use any personal information to obtain this account and Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o, my report must be accurate. 

XXXX XXXX XXXX XXXXXXXX XXXX $ Error : I did not use any personal information to obtain this account and Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o, my report must be accurate. 

XXXXXXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX Balance : {$7600.00} Error : I did not use any personal information to obtain this account and Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o, my report must be accurate. 

XXXX XXXX XXXXXXXX # XX/XX/XXXX Balance : XXXX $ Error : I did not use any personal information to obtain this account and Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o, my report must be accurate.

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 2025-03-11 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:
XXXX XXXX XXXX XXXX XXXXXXXX Placed in XXXX Balance XXXX $ Error : I did not use any personal information to obtain this account and Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o, my report must be accurate. 

XXXX XXXX XXXX # XXXX XXXX Balance : XXXX $ Error : I did not use any personal information to obtain this account and Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o, my report must be accurate. 

XXXX XXXX XXXX # XXXX Opened : XX/XX/XXXX Balance : XXXX $ {$20000.00} Error : I did not use any personal information to obtain this account and Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o, my report must be accurate. 

XXXX XXXX XXXX # XXXX Opened : XX/XX/XXXX Balance : XXXX $ Error : I did not use any personal information to obtain this account and Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o, my report must be accurate. 

XXXX XXXX XXXX XXXXXXXX XXXX $ Error : I did not use any personal information to obtain this account and Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o, my report must be accurate. 

XXXXXXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX Balance : {$7600.00} Error : I did not use any personal information to obtain this account and Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o, my report must be accurate. 

XXXX XXXX XXXXXXXX # XX/XX/XXXX Balance : XXXX $ Error : I did not use any personal information to obtain this account and Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o, my report must be accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
Columbia Debt Recovery DBA Genesis has reported to my credit for a rental property that was falsely in my name due to identity theft. I have sent the police report to the company and they still have not removed the collection from my XXXX  report. I have wrote letters and emailed them multiple times. attached is the latest letter sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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:
When I checked my credit report this morning, I saw incorrect accounts listed, and I dont know why. I always monitor my report, but this time, there were unexpected errors. I even tried refreshing my browser, thinking it might be a temporary glitch, but the inaccuracies persisted. Because of this, I am requesting a detailed review of my documents to ensure I no longer have to deal with this problem.

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 2025-03-11 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: NC

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under XXXX XXXX XXXX XXXX ( XXXX ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per XXXX XXXX CXXXXe XXXX ( Civil Liability for Willful Noncompliance ) and XXXX XXXX CXXXXe XXXX ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, XXXX XXXX XXXX XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section XXXX ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of XXXX XXXX XXXX XXXX ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. XXXXc ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

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 2025-03-11 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: NC

Complaint narrative:
Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a creditor can not report inaccurate information on a consumers credit report. Since this debt should have been reported under a Tax ID ( EIN ) and not your personal Social Security Number ( SSN ), XXXX has misreported the account, leading to an unfair drop in your score. 

Additionally, 15 U.S.C. 1681s-2 ( a ) ( 2 ) requires that creditors update and correct information when they discover errors. Since XXXX has never reported your good payment history but suddenly reported a negative item, this constitutes incomplete and misleading reporting, which is prohibited. 

Under 12 CFR 1002.10, creditors are required to accurately report the credit history of an applicant, including timely payments. If XXXX failed to report your on-time payments but only reported the late payment, they are violating your rights by presenting an incomplete credit history. 

inaccurate entry on my personal credit report that has resulted in a XXXXpoint drop in my credit score. This issue is in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ) and the Equal Credit Opportunity Act ( 12 CFR 1002.10 ) for the following reasons : 1. The business credit card account under my Tax ID ( EIN ) has been incorrectly reported on my personal credit file under my Social Security Number ( SSN ). 
2. XXXX failed to report my good payment history but reported a single late payment, violating FCRAs requirements for complete and accurate reporting. 
3. This incorrect reporting has caused an unfair drop in my credit score, affecting my financial standing. 

As required by the FCRA, XXXX must immediately correct or delete this inaccurate information. I request that : This account be removed from my personal credit report since it was opened under a Tax ID ( EIN ) and should not be affecting my personal credit. 
XXXX retroactively report my on-time payments if the account is to remain on my report. 

Failure to comply with 15 U.S.C. 1681s-2 ( a ) will result in a formal complaint to the CFPB and potential legal action for damages caused by this inaccurate reporting. 

Please update my records immediately and provide confirmation of these changes within 30 days, per the FCRAs dispute resolution timeline.

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 2025-03-11 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: RI

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: FL

Complaint narrative:
I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED INACCURATE INFORMATION BEING FURNISHED TO MY CREDIT REPORT AS LATE PAYMENTS. 

ACCORDING TO 15 USC 1681A ( 2 ) I, TRANSACTIONS AND EXPERIENCES ARE TO BE EXCLUDED FROM A CONSUMER REPORT, AND FURNISHING A LATE PAYMENTS IS CONSIDERED A TRANSACTION AND EXPERIENCE. FURNISHING THIS IS IN VIOLATION OF MY CONSUMER RIGHTS. 

I HAVE NOT GIVEN ANY PERMISSION FOR THIS INFORMATION TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681 ACCORDING TO 15 USC 1681I ( 7 ), EACH BUREAU MUST PROVIDE THE FOLLOWING PROTOCOL OF HOW THEY CONCLUDED THIS INFORMATION. WHICH HAS NOT HAPPENED, SO NOTHING HAS BEEN VERIFIED OR VALIDATED. 

LAST YOUR COMPANY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING THIS FALSE INFORMATION IS IN VIOLATION OF 15 USC 1681E ( B )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-03-11 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: LA

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. 

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

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