vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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: NY

Complaint narrative:
XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX. This XXXX comprnt has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, equifax and Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$3900.00}. that appears related to the aforementioned ini several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 onsunl crodt repori mandainec by you vere not opened, madl, or initatod by me. Al of the aforementionad sccounte collectione and hard inauiries are the raeult of identity thaft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of to have attached a copy of FTC identity theft criminal complaint as proof from XXXX Federal Trade Commission that the aforementioned consumer credit account that is the result of identity theft and fraud. I've also requested the investigation method that was used, this information is yet to provided 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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2025-05-09 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: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to request the removal of closed accounts from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ). 

As per the FCRA, closed accounts should be removed from my credit report after a certain period of time, typically XXXX years from the date of closure. It has come to my attention that closed accounts are still appearing on my credit report beyond this time frame, which is a violation of my rights under the FCRA. 

Furthermore, the XXXX requires that accurate and up-to-date information is reported on credit reports. The presence of closed accounts that are no longer relevant or accurate is misleading and could negatively impact my credit score. 

I kindly request that you investigate this matter and promptly remove any closed accounts that are in violation of the FCRA and XXXX from my credit report. Failure to do so may result in legal action being taken against your company for non-compliance with federal laws. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: LEXISNEXIS
State: TX

Complaint narrative:
I am filing a complaint against LexisNexis for failing to adequately respond to my dispute letter, which I sent via USPS Certified Mail ( Tracking # XXXX ) on XX/XX/year>. 
In my letter, I challenged the following inaccuracies on my LexisNexis consumer report : 1. Inaccurate Personal Information 2. The Accuracy and Verifiability of a Bankruptcy Record - Court : XXXX XXXX XXXX XXXX - Bankruptcy Filing Number : XXXX According to USPS tracking, LexisNexis received my dispute on XX/XX/year>. Despite fulfilling all necessary requirements, I have not received any response or resolution. It has now been over 30 days, and LexisNexis has failed to investigate or communicate any findings. 
Under the FCRA, consumer reporting agencies are legally required to conduct a reasonable investigation of disputed items and provide a resolution within 30 days. LexisNexiss failure to comply with this obligation constitutes a direct violation of my consumer rights. 
LexisNexis inaction and failure to respond to my dispute appear to be a direct violation of this requirement and deny me my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: NC

Complaint narrative:
In XX/XX/year>, I filed a formal dispute regarding a XXXX account ( XXXX  ) that was inaccurately reporting missed payments on my credit reports. After the dispute, the account was removed from all three bureaus ( TransUnion, XXXX XXXX XXXX ), and everything was resolved. 

Recently, without any notification or new verification, the account reappeared on my credit report and is now showing XXXX missed payments. This is extremely damaging to my XXXX XXXX and overall financial stability. I never received a notice of reinsertion as required by the Fair Credit Reporting Act ( FCRA ), and I requested documentation verifying the debt, which the company never provided. 

This account was already reviewed, found to be inaccurate, and deleted. Its reappearance without cause or explanation violates FCRA guidelines and is now negatively affecting my ability to qualify for loans, housing, and essential services. I am requesting that the CFPB investigate this matter and ensure that the account is either properly verified or permanently removed from all credit reporting agencies.

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 2025-05-09 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: TN

Complaint narrative:
I am writing to dispute the accuracy of several accounts listed on my TransUnion credit report. I believe these entries may have been reported in error, and I am requesting a full reinvestigation to ensure all data is correct and substantiated. 
Disputed Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$500.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXXXXXX ), I request a reinvestigation of these accounts. If any of the information can not be verified with documentation from the original creditor, it should be promptly removed. The Fair Debt Collection Practices Act ( XXXX XXXX XXXX XXXX ) also prohibits the reporting of false or misleading information.

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 2025-05-09 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
On XXXX XXXX, my 2020 XXXX XXXX was involved in a collision that resulted in a total loss. At the time {$23000.00} was still owed on the vehicle to Bridgecrest. The collision was the fault of the other driver and due to that their insurance ( XXXX XXXX ) paid {$19000.00} and the drivers insurance ( progressive ) paid {$4100.00}. This paid the account in full. As of today Bridgecrest is still reporting the account as 120 days past due and reported a repossession on the account as well. There was never a repossession on this vehicle and it is falsely reported. In addition this account is now paid in full as of XX/XX/XXXX and the credit report does not reflect that. I have spoke with the company numerous times and they are not making any movement with fixing these errors they have reported and it has caused significant damage to my credit and quality of life due to not being able to get approved for another auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: CT

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XX/XX/year> Dear Bank of America XXXX XXXX XXXX, I hope this message finds you well. I am writing to formally express my concern regarding the interest rate ( XXXX % ) applied to the car loan I recently secured through your institution. 

After reviewing the terms of the loan and comparing them with my current credit profile, I believe the interest rate I received may not accurately reflect my creditworthiness. According to my recent credit reports from the major credit bureaus, my score and credit history would typically qualify for a lower rate than the one applied. 

I respectfully request a detailed explanation of the criteria used to determine the interest rate on my loan. If there has been any error or oversight in the evaluation of my credit profile, I would appreciate the opportunity to have the rate reviewed and adjusted accordingly. 

Please let me know what documentation you may need from my side to support this inquiry. I look forward to your prompt response and to resolving this matter amicably. 
Thank you for your attention and assistance. 

Sincerely, 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 2025-05-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I am writing to formally dispute the accuracy of a Southwest Credit System collection currently being reported on my credit file. Upon recently reviewing my credit reports, I was shocked to find this account is still listed despite having been fully paid. It was my understanding that upon payment, XXXX would remove the tradeline from my credit report. However, this collection remains, inaccurately reflecting a negative status and negatively impacting my credit profile. As a result, I have been unable to secure credit and it is jeopardizing my ability to obtain approval for a home loan. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into this matter and the removal of this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: IL

Complaint narrative:
XXXX XXXX was disputed account that I am told meets FCRA everytime with not additional explantion from any the agencies, it is not my debt. I did not rack up a huge XXXX XXXX XXXX XXXX XXXX XXXX I lived in XXXX  especially since I only stayed/a few weeks at the address listed to get an ID and debit card delivered as I was traveling and had my XXXX XXXX during my time in XXXX, I dont even remember the XXXX  who let me use XXXX XXXX XXXX XXXX  till my debt cards and ID was delivered to me. please remove this from my report and at the vary least don't allow XXXX and XXXX to REAGE my debt its illegal and they are aparently lawyers who should know that doing that and marking it as fresh debt and the credit agencies allowing it and never give an explanation of what FCRA means simply look complicit with each other in violating the FCRA laws.Misrepresenting the date of first delinquency : Re-aging involves changing the original date when a debt became delinquent, often to the date a debt buyer purchased it or a payment was made. 
Extending the time on credit reports : This misreporting makes the debt appear more recent, extending the time it can negatively impact a consumer 's credit score beyond the XXXX-year limit set by the FCRA. 
Violation of the FCRA : The FCRA requires credit reporting agencies to report accurate and timely information, and re-aging violates this requirement. 
Consequences of Re-Aging : Negative Impact on Credit Score :. 
Re-aged debts can significantly lower a credit score, making it harder to get loans, credit cards, and other financial products. 
Legal Penalties :. 
Debt collectors who engage in re-aging can face legal penalties and lawsuits from consumers.

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 2025-05-09 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: CA

Complaint narrative:
In 2024, I informed Experian that the accounts mentioned complaint in that attached, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( a ) ( b ), 5564 and 5565, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., the two ( 2 ) Title IV-D accounts, which are grants under the Social Security Act of 1975 and are not loans, are under litigation in State of XXXX Case XXXX. XXXX, and shall not be reported on my credit file. 

Experian has failed to remove the invalid accounts as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

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 2025-05-09 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: UT

Complaint narrative:
This letter is to formally dispute an account on my credit report that I did not open. This was an unauthorized and fraudulent use of my identity, and I had absolutely no involvement with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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 not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 non-monetary relief
Consumer complaint received 2025-05-09 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me crWedit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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:
Given I've always made my payments on time, it alarms me that this late payment has popped up on my account. This problem is causing considerable frustration, therefore please fix it by taking out the wrong marking as soon as you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: TX

Complaint narrative:
Back in XX/XX/year> my brother lived in an apartment that he lost his job and could no longer afford. He provided the XXXX  with written notice to vacate in XXXX and then was out of the apartment prior to XX/XX/XXXX. After at least XXXX voicemails and emails to XXXX XXXX XXXX XXXX I never received a response from them regarding the status of the apartment lease or whether or not the cleaning of the apartment was up to their expectations. Never received a word from them via phone text or email nor did I receive any mail communication from them allowing me to know the status of the situation. In XXXX I received a phone call from some female saying she was from IQ Data at XXXX XXXX in the afternoon requesting a payment of {$3000.00} by XXXX XXXX my niece phone XXXX XXXX XXXX XXXX the next day and was told by XXXX that that was a scam don't worry about it. Then I received notification from XXXX saying there was some negative charge placed on my credit report. I was never afforded the opportunity to address this with any of the people at XXXX XXXX XXXX they never once returned a phone call and email or a XXXX XXXX to me as I live out of state.

Company response to consumer: Closed with explanation