vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 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:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-03-24 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: GA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$XXXX} XXXX  - XXXX - XX/XX/XXXX - {$XXXX} XXXX  - XXXX - XX/XX/XXXX - {$XXXX} XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX/XXXX  - XXXX - XX/XX/XXXX - {$XXXX} XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX  - XXXX - XX/XX/XXXX - {$XXXX} XXXX  XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX  - XXXX - XX/XX/XXXX - {$XXXX} XXXX/XXXX  - XXXX - XX/XX/XXXX - {$XXXX} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I, XXXX XXXX XXXX, am a victim of identity theft, and this serves as my official statement regarding the crime. My personal information has been fraudulently used to open multiple unauthorized accounts and inquiries, which I have reported to the proper authorities. My FTC Report Number is XXXX. I am demanding that all fraudulent items be removed from my credit report within 10 days of this notice. These fraudulent accounts include : XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX {$8800.00} XXXX XXXX XXXX {$470.00} Additionally, the following unauthorized credit inquiries must be removed immediately : XXXX XXXXXXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 18 USC 8 , I owe no debt, and these companies are violating my consumer rights under 15 USC 1681b ( 2 ) and 15 USC 1681 ( 4 ) by reporting unauthorized information without my consent. Furthermore, these creditors have engaged in continuous harassment, violating 15 USC 1692d, which prohibits abusive, deceptive, and unfair debt collection practices. They have also illegally contacted me in violation of 15 USC 1692c, which restricts unauthorized communication, and have falsely reported information in violation of 15 USC 1692e. These unlawful actions are in direct violation of federal consumer protection laws, and I demand immediate corrective action. 

Under penalty of perjury, I declare this information true and correct to the best of my knowledge. I understand that knowingly making false statements may result in penalties under federal, state, or local 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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I, XXXX XXXX XXXX, am a victim of identity theft, and this serves as my official statement regarding the crime. My personal information has been fraudulently used to open multiple unauthorized accounts and inquiries, which I have reported to the proper authorities. My FTC Report Number is XXXX. I am demanding that all fraudulent items be removed from my credit report within 10 days of this notice. These fraudulent accounts include : XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX {$8800.00} XXXX XXXX XXXX {$470.00} Additionally, the following unauthorized credit inquiries must be removed immediately : XXXX XXXXXXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 18 USC 8 , I owe no debt, and these companies are violating my consumer rights under 15 USC 1681b ( 2 ) and 15 USC 1681 ( 4 ) by reporting unauthorized information without my consent. Furthermore, these creditors have engaged in continuous harassment, violating 15 USC 1692d, which prohibits abusive, deceptive, and unfair debt collection practices. They have also illegally contacted me in violation of 15 USC 1692c, which restricts unauthorized communication, and have falsely reported information in violation of 15 USC 1692e. These unlawful actions are in direct violation of federal consumer protection laws, and I demand immediate corrective action. 

Under penalty of perjury, I declare this information true and correct to the best of my knowledge. I understand that knowingly making false statements may result in penalties under federal, state, or local laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX account # XXXX # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX, Has violated my rights.15 U.S.C 1681 section 604A section 2.It Also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX account # XXXX # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX, Has violated my rights.15 U.S.C 1681 section 604A 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 2025-03-24 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : MEDICAL Balance {$XXXX} Open Date XX/XX/XXXX MEDICAL Balance {$XXXX} Open Date XX/XX/XXXX MEDICAL Balance {$XXXX} Open Date XX/XX/XXXX MEDICAL Balance {$XXXX} Open Date XX/XX/XXXX MEDICAL Balance {$XXXX} Open Date XX/XX/XXXX inquiries XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX  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 explanation
Consumer complaint received 2025-03-24 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: MD

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint regarding Equifax 's negligence and repeated violations of the Fair Credit Reporting Act ( FCRA ). In XX/XX/XXXX, Equifax removed a fraudulent account ( XXXX XXXX ending in XXXX ) from my credit report following my initial dispute supported by an FTC Identity Theft Report ( # XXXX ) and a Police Report ( XXXX XXXX Police Report # XXXX ). 

However, Equifax subsequently reinserted this fraudulent account, stating the creditor provided " more information. '' Despite their claim, Equifax has never shared this alleged new information with me, nor did they provide written notice of reinsertion within five business days as required by federal law under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 

Additionally, the following inquiries were made without my consent and must be removed immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX prohibits unauthorized inquiries. As I never provided authorization, Equifax must remove them immediately. 

Furthermore, Equifax has failed to block the following fraudulent student loan as required under FCRA 605B : XXXX XXXX XXXX XXXX XXXX  ( Account ending in XXXX ) {$XXXX}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: KY

Complaint narrative:
15 USC 1666 ( A ) ( B ) the proper process wa never taken on this account, false information has been posted to my account

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 2025-03-24 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: KY

Complaint narrative:
15 USC 1666 ( A ) ( B ) the proper process wa never taken on this account, false information has been posted to my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: PA

Complaint narrative:
I am sending this complaint to EXPERIAN regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed. 

XXXX XXXX Balance Owed : {$XXXX} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$XXXX} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$XXXX} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$XXXX} 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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am a victim of human XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-03-24 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: World Acceptance Corporation
State: MS

Complaint narrative:
Dear XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter constitutes a formal complaint regarding the illegal and inaccurate reporting of debt and unauthorized inquiries on my credit report. I am requesting an immediate investigation into the following entities : World Finance, XXXX, and XXXX XXXX ( XXXX ) unidentified inquiries listed on my credit report. 
I have reviewed my credit reports from XXXX, XXXX, XXXX and have identified several serious discrepancies : * Unauthorized Debt Reporting : I am being reported as owing debt to World Finance and XXXX. I have never entered into any agreement or signed any contract with these entities. I do not recognize these debts and believe they are fraudulent. * Unauthorized Inquiries : My credit report contains eleven ( XXXX ) inquiries that are not authorized by me. I have not applied for credit with any of these entities. These inquiries are negatively impacting my XXXX XXXX and are potentially indicative of identity theft. 
* Failure to Correct Errors : I have already contacted World Finance and XXXX, specifically to dispute these inaccuracies. They have failed to remove the inaccurate information from my credit report as legally required.I assert that the continued presence of these inaccurate and fraudulent entries on my credit report constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and potentially the Fair Debt Collection Practices Act ( FDCPA ). These entities are engaging in illegal credit reporting practices and potentially unlawful debt collection activities. 
I demand the following actions : * An immediate investigation into the credit reporting practices of World Finance, XXXX, and the entities responsible for the eleven ( XXXX ) unauthorized inquiries. 
* The immediate removal of all inaccurate and fraudulent debt entries and inquiries from my credit report. 
* That the XXXX demand proof of any contract or agreement that I signed with world finance or XXXX, because I never signed XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-24 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have included yet another Identity Theft Report made to the FTC. Equifax still has my birthday listed incorrectly which is fraudulent, along with the XXXX XXXX account that has since been removed by Transunion and Experian, yet not removed by XXXX. There is an address being reported to all three credit bureaus which I have never resided. There are a repetitive amount of inquiries reporting to all three bureaus as well which I have no knowledge of. XXXX, still has yet to be remedied, I asked them to validate the debt and they provided me with no wet signature, or any tangible proof that the debt was acquired by me although I have been disputing and complaining about this {$3000.00} charge off account for almost a year now, and nothing has been done about it.

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 2025-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: MO

Complaint narrative:
I had a hospital stay between XX/XX/XXXX and XX/XX/XXXX. I received my first bill for {$2200.00} on XX/XX/XXXX. On XX/XX/XXXX I received additional statements stating that the bills I received the day before were past due. Between XX/XX/XXXX and XX/XX/XXXX I received numerous additional bills dictating how the amount insurance was billed and how much I owed. On XX/XX/XXXX I received a final statement after the full amount was billed to insurance stating that I, the patient, owed {$0.00}. On XX/XX/XXXX I received a letter from an agency explaining that the hospital sent the previous bill of {$2200.00} to collections. I submitted this complaint on XX/XX/XXXX and on XX/XX/XXXX my case was closed after the company responded with a ledger from the original creditor. The XXXX listed on the ledger is {$0.00}, but that doesn't explain the {$0.00} statement balance listed in 2 other spots on the same ledger. I am, again, uploading my EOB from my insurance showing that I owe {$0.00} for the itemized services listed.

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 2025-03-24 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: MS

Complaint narrative:
In accordance with The FCRA this creditor has violated my rights under 15 U.S. 1681 section 602 states I have rights to privacy.

15 U.S Code 1666b ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the due date.

A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.

15 USC 1681 Section 604 ( a ) Section 2 also states a consumer reporting agency can not furnish an account without my written instruction.

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