vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: IL

Complaint narrative:
I have XXXX hard inquiries on my credit report that I did not authorize. These inquiries are the result of identity theft. I did not apply for credit with the companies that accessed my report. 

I submitted a valid FTC Identity Theft Report and supporting documentation to TransUnion, as required by the Fair Credit Reporting Act ( FCRA ). Despite this, TransUnion continues to refuse removal of these fraudulent inquiries. I contacted them multiple times and was told that the law does not apply to my case. This is incorrect. 

Under Section XXXX of the FCRA ( 15 U.S.C. XXXX ), the credit reporting agency is required to block information resulting from identity theft once the consumer provides a proper identity theft report. TransUnion is violating my consumer rights and federal law by refusing to block this fraudulent information. 

I am requesting that the CFPB require TransUnion to comply with the FCRA, remove all XXXX unauthorized inquiries, and confirm the resolution in writing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: MD

Complaint narrative:
As I was in review of my credit report I came across some hard inquiries that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
This collection account was opened due to identity theft. I did not authorize the account or any charges. Please investigate and remove this fraudulent entry 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 explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Scheer, Green & Burke L.P.A.
State: OH

Complaint narrative:
On XX/XX/year>, at XXXX XXXX  EST, I was contacted via phone by the law firm Sheer, Green, and Burke, acting as a debt collector. During this call, I formally requested written verification of the alleged debt. Specifically, I asked for documentation that includes the name of the original creditor, the amount allegedly owed, and copies of the original billing statements. This request was made so that I could review the information and submit it to my insurance provider to ensure the charges were coded and processed correctly. 

The representative refused my request and stated that they are not required to provide this information. I informed them that, under the Fair Debt Collection Practices Act, I believe they are legally obligated to provide a written verification of the debt upon request. In response, the representative asked, " So you are refusing to pay? '' I clarified that I was not refusing to pay, but that I required the original bills and documentation for insurance review and proper validation. 

The representative reiterated that they are not required to send anything in writing. I again stated that I needed a written verification of the debt, including original billing statements, and asked that this be sent to me via USPS. At that point, the representative again accused me of refusing to pay and abruptly ended the call.

I believe the conduct of this debt collector may constitute a violation of the FDCPA, and I am therefore formally filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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:
I am a victim of identity theft, and the listed collection account is fraudulent. I have never had any association with this debt. Please remove this account and take all necessary steps to prevent further reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: AZ

Complaint narrative:
TransUnion is currently reporting several late payments that are either outdated, inaccurately marked, or unverifiable. The accounts in question are XXXX XXXX XXXX ( Account Number : XXXX - Balance & Past Due : {$0.00} ), XXXX XXXX XXXX ( Account Number : XXXX - Balance & Past Due : {$0.00} ), XXXX XXXX XXXX XXXX ( Account Number : XXXX - Past Due : {$0.00} ), and XXXX ( Account Number : XXXX - Balance & Past Due : {$0.00} ). These accounts all reflect {$0.00} balances and no past-due amounts, yet TransUnion continues XXXX list them as derogatory due to alleged late payments. This raises a serious red flag regarding the accuracy and relevance of this reporting. Under 15 U.S.C. 1666b of the Fair Credit Billing Act, creditors are required to provide a fair period for consumers to make timely payments, and the reporting of lateness after resolution and balance clearance is misleading and legally questionable. The presence of such outdated derogatory marks especially with XXXX balances indicates a possible data compromise that has resulted in flawed and harmful reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: GA

Complaint narrative:
I have made multiple attempts XXXX get these discrepancies investigated XXXX corrected, yet no meaningful action has been taken. Despite providing all necessary documentation XXXX following up several times, these errors remain unresolved. This ongoing issue has caused financial stress XXXX has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating XXXX exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you XXXX take immediate action to update or remove these late payment entries, as failing XXXX do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention XXXX this matter XXXX  expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: NM

Complaint narrative:
I recently reviewed my consumer report XXXX identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, XXXX  I demand swift resolution XXXX ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SUCCESS MORTGAGE PARTNERS, INC
State: PA

Complaint narrative:
In XX/XX/year> I noticed that payments made from XXXX XXXX XXXX were listed as late on my credit report, but they were made on time XXXX  posted correctly by XXXX Mortgage. 

I have sent several emails requesting changes. I was referred XXXX someone who called me XXXX was going XXXX  fix the problem, but that individual put me on hold XXXX I was disconnected XXXX  she never returned my call. 

This is a simple request yet it's a repeat pattern of issues I have had with XXXX Mortgage for the last XXXX years

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: AZ

Complaint narrative:
Equifax is currently misreporting multiple late payments that are inconsistent with the actual standing of my accounts. These include XXXX XXXX XXXX ( Account Number : XXXX - Balance & Past Due : {$0.00} ), XXXX XXXX XXXX ( Account Number : XXXX - Balance & Past Due : {$0.00} ), and XXXX XXXX XXXX XXXX ( Account Number : XXXX - Past Due : {$0.00} ). Each of these accounts is either closed in good standing or has no outstanding past due balance, yet Equifax continues to reflect negative marks on my credit profile. Under 15 U.S.C. 1666b, credit reporting agencies and furnishers are prohibited from misreporting payment information, and continued dissemination of outdated derogatory data is a violation of 15 U.S.C. 1681e ( b ). It is highly likely that these errors stem from inaccuracies caused by a data breach, not by legitimate consumer behavior, which makes the negative marks unjustified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: IL

Complaint narrative:
I am writing XXXX formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate XXXX  correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really concerned about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I've worked hard to build my credit, and it is disheartening to know that my rights as a consumer is being violated. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed and deleted all of the above that are not reported with maximum accuracy by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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:
My credit report shows several hard inquiries that I did not approve or initiate. These may be the result of unauthorized activity. I kindly request they be deleted 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 2025-04-29 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under my rights as outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate report. I am asking for a review of these entries, and if they can not be confirmed as accurate, they should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: FL

Complaint narrative:
On XX/XX/year> my wife XXXX  I moved out of our apartment early. We were notified we would not have a bill due XXXX the circumstances of the move out but we might receive something if there were any damages. We spoke with the apartment several times but never received a bill XXXX they said we did not owe anything for any damages. Approximately XXXX weeks later we received a collections notice in the amount of {$5100.00} from XXXX XXXX XXXX. They called and harassed my wife XXXX  I on a number of occasions claiming we owed this money. We do not, we have never received any itemized bills nor any proof we owe this. We have since sent a debt validation letter via certified mail which was received on XX/XX/year> demanding they validate the debt XXXX  not take any adverse action until the debt is validated. They have yet to validate debt but have reported the debt to the credit bureaus and have called multiple times after being notified to only communicate via written communication. This company is know XXXX be predatory XXXX XXXX falsify information in an attempt XXXX overcharge people hoping they are too naive XXXX do anything about it. They use demeaning bullying tactics XXXX  try XXXX get you to pay them even though they dont have the right to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXXB of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: AZ

Complaint narrative:
Experian is reporting a number of charge-off accounts that contain conflicting and outdated data, including 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 XXXXXXXX XXXX {$0.00} ). It is unacceptable for Experian to continue reporting derogatory entries that have XXXX balances, unresolved or unverified data, and possible duplications. Given the widespread nature of data breaches in recent years, there is a high likelihood that this misinformation was introduced into my credit profile due to external compromise. Experian has a duty under 15 U.S.C. 1681i ( a ) to reinvestigate disputed information in a timely and accurate manner and to ensure compliance with 15 U.S.C. 1681e ( b ) by maintaining the accuracy of all data reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: MO

Complaint narrative:
am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to investigate consumer disputes, citing sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that failed to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively.

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

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