vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 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: FL

Complaint narrative:
I am filing a formal complaint against TransUnion for continuing to report a debt as charged-off even though the original creditor, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX issued a Form XXXX on XX/XX/year>, acknowledging the legal cancellation of the {$990.00} debt. 

I previously submitted a formal dispute. TransUnion responded that the account had been " verified. '' However, that verification was conducted through automated systems ( e-OSCAR ), not through a human with direct knowledge of the facts, which violates FCRA 1681i ( a ) ( 1 ) and Federal Rules of Evidence 602 and 802.

By continuing to report this canceled debt, TransUnion is in violation of : FCRA 1681e ( b ) Failure to maintain maximum accuracy FCRA 1681i ( a ) Failure to reasonably reinvestigate FCRA 1681i ( a ) ( 5 ) ( D ) Failure to delete unverifiable information and notify other CRAs FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishing knowingly inaccurate data FDCPA 1692e ( 8 ) Reporting misleading information about a canceled debt IRS Code 6050P and IRS Notice XXXX Debt canceled via Form 1099-C can not be reported or collected

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 2025-03-26 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: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2025-03-26 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: TX

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries listed on my credit report. After reviewing my credit report, I found the following inquiries, which I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As per the Fair Credit Reporting Act ( FCRA ), I request that you investigate these inquiries and remove them from my credit report if they were made without my consent. I have not applied for any credit or services with the above-mentioned companies, and I did not give permission for these inquiries to occur. 

Please investigate and remove these unauthorized inquiries from my credit report. I would appreciate it if you could notify me of your findings in writing as soon as possible, ideally within 30 days, as outlined in the FCRA. 

If any additional information is required to complete the investigation, please let me know. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRIAD FINANCIAL SERVICES, INC.
State: MO

Complaint narrative:
I had a mortgage with XXXX XXXX for a XXXX home that was located at XXXX XXXX XXXX XXXX XXXX. Both companies are owned by XXXX XXXX XXXX XXXX XXXX XXXX. 
I tried since XXXX to sell my home however the company would not work with me. They sited various clauses and demanded large amounts of money to move the mobile home. 

Unfortunately, I was not able to sell it. However, an Agreed Order For Replevin was finalized and granted by a XXXX. The original complaint filed by XXXX XXXX XXXX XXXX XXXX outlining the property and XXXX XXXX outlining the financial obligation. I was required to return the property to them by XXXX per the XXXX for XXXX. XXXX XXXX was dismissed by the judge absolving me of any financial obligation including interest, attorneys fees and similar. At the same time XXXX XXXX XXXX XXXX, XXXX filed an eviction with the court with no monetary values added. 

They have misreported to the credit bureaus that I owe a past due balance of funds around {$XXXX}. They also sent me a statement that I owe {$XXXX}. 

There actions have been malicious and nefarious. They are falsely reporting past due balance and attempting to collect funds from me in direct opposition of the Order For Replevin. 
I have file a Order to Remove Eviction from Public Record that was granted by the courts.

They have made false statements and inaccurate reporting. The property was turned over in compliance with the order. XXXX XXXX states that the property was still in my possession however, the keys were placed with the XXXX 's office. 

As this was not a Landlord/Tenant relationship, they did not have access to my home. They have adding locking mechanisms on the outsides of the entrances to the mobile home. This could only be done if they had the keys. 

Also, the Eviction was pursued after the Agreed Order for XXXX was filed on XXXX. They are attempting to seek legal enforcement under multiple names to avoid any notice. I have also confirmed with the XXXX department, they did not receive any order to enforce repossession or eviction of the property. 

I request they remove the false information from my credit report immediately and stop any further attempts to collect funds from me regarding the mobile home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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:
These inquiries are not mines remove immediately XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/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 2025-03-26 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:
I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : 1. Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately.

2. Incorrect Late Payment Remarks ( FCRA Violations ) Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1666b, I am disputing inaccurate late payment remarks on the following accounts. These accounts were paid on time, and the false reporting of late payments is a violation of FCRA and TILA. I demand that these remarks be removed immediately to ensure the accuracy of my credit file. 

Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights. 

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.

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 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account RADIUS GLOBAL SOLUTIONS LLC XXXX I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX XXXX I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 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 2025-03-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries listed on my credit report. After reviewing my credit report, I found the following inquiries, which I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> As per the Fair Credit Reporting Act ( FCRA ), I request that you investigate these inquiries and remove them from my credit report if they were made without my consent. I have not applied for any credit or services with the above-mentioned companies, and I did not give permission for these inquiries to occur. 

Please investigate and remove these unauthorized inquiries from my credit report. I would appreciate it if you could notify me of your findings in writing as soon as possible, ideally within 30 days, as outlined in the FCRA. 

If any additional information is required to complete the investigation, please let me know. Thank you for your prompt attention to 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 2025-03-26 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT : XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 

-15 U.S.C 1681 SECTION 602 A. STATES | HAVE THE RIGHT TO PRIVACY.

-15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2025-03-26 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: CA

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 ). I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. Despite having sent multiple 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 XXXX 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 XXXX 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 XXXX, 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 : XXXXXXXX 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. 
XXXX v. Experian Information Solutions 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) : 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 FCRA. 

XXXX XXXXXXXX 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 XXXXXXXX

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a formal complaint against Experian for continuing to report a canceled debt as charged-off. XXXX XXXX XXXX XXXX XXXX issued a Form 1099-C on XX/XX/year>, cancelling a {$990.00} debt. This account is still showing as active/charged-off on my Experian credit file. 

Experian responded to my formal dispute with a verified result. However, this verification was done through automated, non-human systems, which is not legally sufficient under FCRA 1681i ( a ) ( 1 ). Experian failed to conduct a proper reinvestigation and is knowingly reporting a canceled debt.

Experian is violating : FCRA 1681e ( b ) Inaccurate reporting of a canceled debt FCRA 1681i ( a ) Inadequate reinvestigation procedures FCRA 1681i ( a ) ( 5 ) ( D ) Failing to notify other CRAs upon verification failure FCRA 1681s-2 ( a ) ( 1 ) ( A ) Reporting known inaccurate data FDCPA 1692e ( 8 ) Reporting misleading debt information IRS Code 6050P & IRS Notice XXXX Debts canceled via 1099-C are not collectible or reportable

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 2025-03-26 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax 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 a Accounts : Account # XXXX date opened XX/XX/XXXX bal. {$600.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$300.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$300.00}. Inquiries : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) 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 2025-03-26 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax 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 a Accounts : Account # XXXX date opened XX/XX/XXXX bal. {$600.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$300.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$300.00}. Inquiries : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of the data they report. The payment history on the Kickoff account reflects a 30-day and 60-day delinquency, followed by skipped months, and then a 90-day late a reporting pattern that is factually inaccurate and misleading. This violates both FCRA and Metro 2 reporting guidelines.

If this inaccurate account is not removed from my credit file within 14 days, I will escalate the matter and file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) for noncompliance with federal reporting standards and failure to ensure accuracy in credit reporting Account Name : XXXX XXXX, XXXX Account # : XXXX

Company response to consumer: Closed with non-monetary relief