vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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: NY

Complaint narrative:
I am writing to dispute the inaccurate information on my credit report acquired by TransUnion. This letter is for the purpose to invoke my rights under the Fair Credit Reporting Act ( FCRA ) 15USC 1681i, which obligates you to provide me with the procedures you used to verify the information on my credit report.

If you can not verify the accuracy of the disputed items, they must be deleted from my credit report right away.

Additionally, under the Gramm-Leach-Bliley Act ( 15 USC 6802 ) I have an essential right to privacy regarding my financial information. Also. 15 USC 1681 ( 4 ) under the FCRA highlights the importance of maintaining the accuracy and privacy of consumer credit information.

No permissible purpose, as shown in 15 USC 1681b ( 2 ), has been established for TransUnion to maintain a credit report on my behalf. TransUnion has neither my permission nor a valid permissible purpose to supply a credit report containing my personal information. The absence of such permissible purpose makes the presence of this information a violation of my privacy rights. 
Additionally, 18 USC 1028a addresses identity theft and its associated penalties, highlighting that identity theft is a serious crime.

The unauthorized acquisition and use of my personal information is a criminal act and violates principles of privacy and consumer protection.

Under 15 USC 1681c-2, credit reporting agencies are required to block information that results from identity theft. The transactions in question were not conducted by me. If my information has been compromised due to identity theft, I expect TransUnion to take all necessary action to correct and block this information as ordered by law.

l from now on request a formal investigation into my dispute and the removal of any incorrect information from TransUnion 's records if it is determined that no permissible purpose exists for maintaining this information. I expect TransUnion to comply with the FCRA, 18 USC 1028a, and 15 USC 1681c-2 to fix any issues related to identity theft.

Please provide me with a written response to this dispute within XXXX  days, with detail on any action taken to correct the inaccuracies on my credit report, along with the results of your investigation, If my report is not corrected or removed in accordance with the law, I will take legal action.

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 2025-10-14 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: CITIBANK, N.A.
State: TX

Complaint narrative:
There is a ridiculous amount of discrepancies on my credit report. As I've been looking into this, I'm finding that the Furnisher is responsible for reporting accurate information. There is different information for the HIGH BALANCE, LAST VERIFIED, DATE OF LAST ACTIVITY, DATE REPORTED, DATE OPENED, CLOSED DATE, LAST PAYMENT DATE, AS WELL AS THE LATES.

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 2025-10-14 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: WA

Complaint narrative:
A {$55.00} collection account from XXXX XXXX XXXX appeared on my credit report, allegedly related to a prior XXXX XXXX balance. However, when I recently purchased a new insurance policy directly from XXXX, they informed me that this {$55.00} balance needed to be paid to complete my new policy setup. I paid the amount in full to XXXX at that time. 

Since this balance was resolved directly through XXXX during the purchase of a new policy, it should not continue to be reported as an active or outstanding collection. The record appears outdated and does not reflect the current and accurate status of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Professional Finance Company, Inc.
State: SC

Complaint narrative:
After a year of a dental visit I got a bill texts and phone calls about a bill that wasnt submitted to the insurance. I called both dental practice and my insurance to found that the bill was never been submitted. I went through a lot of phone calls and waiting time. According to dental practice after talking to them they resubmitted bill to insurance and I got reassured that that bill wasnt going to go to collections since Ive been worried about it after this bill is over a year old. Today I got a notification that that bill is on collections. I cant talk to practice because they cant even give me an appointment for a broken tooth and cleaning because I owe that bill they hung up on me and manager never call back. My insurance never got the bill a year ago

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 2025-10-14 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:
Subject : Identity Theft Report & Request to Block Fraudulent Information Pursuant to 15 U.S.C. 1681c-2 ( FCRA Section 605B ) I am writing to notify you that I am a victim of identity theft and to request that you block or delete all information on my credit file that was opened, reported, or inquired upon without my authorization.

I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ), and a copy of that report is enclosed with this letter. Under 15 U.S.C. 1681c-2, this report establishes that the accounts listed below were fraudulently opened or reported and must be blocked from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$110.00} Reported opened XX/XX/XXXX Not mine Credit XXXX XXXX XXXX XXXX {$590.00} Reported opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$430.00} Reported XX/XX/XXXX Unauthorized XXXX XXXX  XXXX dated XX/XX/XXXX Unauthorized inquiry XXXX XXXX XXXX dated XX/XX/XXXX Unauthorized inquiry XXXX XXXX XXXX Department of Education Reported XX/XX/XXXX XX/XX/XXXX {$3600.00} Fraudulent student loan account XXXX XXXX XXXX Department of Education Reported XX/XX/XXXX XX/XX/XXXX {$2100.00} Fraudulent student loan 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 explanation
Consumer complaint received 2025-10-14 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: CL Holdings LLC
State: NJ

Complaint narrative:
The disputed item XXXX times and came back as accurate in person 15 1681i ( 6 ) ( B ) iii I requested the description of the procedure that was used and my request was ignoring by experience

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: NJ

Complaint narrative:
Dear Credit Reporting Agency, This letter serves as a formal dispute and demand for deletion under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding inaccurate and unverifiable derogatory information being furnished by XXXXXXXX XXXX XXXX. 
Despite more than a year of repeated written requests and regulatory complaints, XXXX has failed to provide any verifiable documentation demonstrating compliance with the following federal statutes that govern credit reporting and billing accuracy : XXXX. 15 U.S.C. 1666b Timing of Payments XXXX has not provided proof that any billing statement was delivered at least 21 days before each alleged due date. Without such evidence ( such as mailing confirmation, postmark, or electronic delivery records ), no lawful basis exists to report a payment as late. 
XXXX. 15 U.S.C. 1637 ( b ) Billing Statement Disclosure Requirements XXXX has not proven that any periodic statement was actually delivered, or that those statements contained all required disclosures ( annual percentage rates, due dates, balances, and fees ). Failure to meet this requirement invalidates any subsequent late classification. 
XXXX. 15 U.S.C. 1681s2 ( a ) ( 7 ) Notice of Negative Reporting XXXX has not produced evidence that it sent written notice within XXXX  days of furnishing negative information to your bureau, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
My bank account was first garnished on XXXX XXXX up until current with a total of {$440.00} collected from XXXX XXXX XXXX however the the money that was applied to the debt is only for {$280.00} which makes a total of {$160.00} un-accounted for. I have made calls to both ends which is Midland credit & XXXX XXXX XXXX with only getting a called answer from XXXX & them say XXXX XXXX XXXX is over the funds being distributed. I was willing to set up a payment plan but nobody seems to know how to do that or give me answers as to where the missing money is, for XXXX XXXX XXXX to be over the account but not ever answering the phone is suspicious to me with the fact they have control over someones bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
I object to the inclusion of accounts on my credit history that lack my authorization. Please perform a careful review and remove them. Supporting documents are enclosed.

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 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TriVerity, Inc.
State: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRIVERTY, INC. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX RE : Requests for Debt Validation Accounts Number : XXXX Please provide the following information : 1. The name and address of the original creditor.

2. The amount of the alleged debt including an itemized breakdown of fees, interest or other charges.

3. A copy of the original signed agreement or contract showing that I agreed to the debt.

4. Proof that you are authorized to collect this debt in my state.

5. The date the debt was incurred and the date of last payment.

6.

Verification that the statute of limitations for collecting this debt has not expired.

Until you provide this information, must cease all collection activity including phone calls, letters or reporting to credit bureaus, as required by the FDCPA. 

Please note this letter is not a refusal to pay but a request for validation. I ask that you respond within 30 days of receiving this letter. 
as required within 30 days of receiving this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: FL

Complaint narrative:
My Experian credit report contains inaccurate personal information that violates FCRA 's requirement for maximum possible accuracy under 15 USC 1681e ( b ). I demand these errors be corrected immediately. My current and only address is XXXX XXXX XXXX XXXX, XXXX, FL XXXX. The following addresses are incorrect and must be deleted : XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX These inaccuracies are misleading, damaging, and must be permanently deleted. They have caused harm to my credit report and could negatively affect my ability to secure loans, credit, and other financial opportunities. Such incorrect information violates my rights under the Fair Credit Reporting Act ( FCRA ) and has created unnecessary confusion regarding my personal history. I expect an immediate investigation into these inaccuracies, followed by prompt correction of my credit report. I request that you provide written confirmation of the corrections made and assurances that these errors will not be reinserted in the future. I also request that you comply with all applicable legal requirements, including notifying me within the time frames set by the FCRA, regarding any updates to my personal information on my credit file. These false records must be removed to ensure that my credit report reflects only the accurate and verified information about my identity and history. I trust that this matter will be resolved quickly, and I expect to be notified once my file has been updated accordingly.

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 2025-10-14 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 contains incorrect and misleading items.

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 2025-10-14 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: CBC Companies, Inc.
State: MI

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 would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 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 2025-10-14 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: FL

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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

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 2025-10-14 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: NY

Complaint narrative:
My TransUnion credit file shows two hard inquiries that I did not authorize or initiate : XXXX XX/XX/year> XXXX TransUnion ) XXXX XXXX XX/XX/year> ( TransUnion ) On those dates, I did not apply for credit, open an account, request a credit limit increase, or grant written/electronic consent to these companies. I also do not have an existing account relationship with them that would permit an account-review pull, and promotional prescreen activity should be soft, not hard. 

In XX/XX/year>, I disputed these inquiries with TransUnion and contacted the furnishers, requesting : ( 1 ) the permissible purpose under FCRA 604 ( a ) ; ( 2 ) copies of any application/consent allegedly submitted by me ; ( 3 ) the Method of Verification ( MOV ) required by FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ; and ( 4 ) the audit trail ( date/time, channel, IP/device, and end-user location ). To date, I have not received documentation demonstrating a lawful purpose or my consent. 

Coding these pulls as hard without proof of consumer initiation or another lawful purpose is improper use of my credit report and violates the FCRA obligations to ( a ) furnish only with a permissible purpose ( 604 ( a ) ) and ( b ) conduct a reasonable reinvestigation with disclosure of the MOV ( 611 ( a ), 611 ( a ) ( 6 ) ( B ) ( iii ) ). These unauthorized hard inquiries have negatively affected my credit profile.

I am requesting CFPB assistance to require deletion of any inquiry that can not be substantiated with documented permissible purpose and consent, and to ensure TransUnion provides the MOV and updates my file accordingly.

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 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: TX

Complaint narrative:
Ive been disputing several accounts with TransUnion since XX/XX/XXXX, but they are still showing Account Not Disputed even though Ive sent multiple disputes and documents. TransUnion verified the same inaccurate accounts without correcting or marking them as disputed. 

There are also accounts that appear re-aged, showing XXXX as the date of last activity even though they are from XXXX. Some are still showing as Charged Off or Past Due even after being closed for years.

Under FCRA 611 ( a ), 607 ( b ), and 623 ( a ) ( 5 ), TransUnion must ensure accurate reporting and proper dispute handling. Im requesting that these accounts be corrected or deleted and that my report be updated to reflect accurate dispute status. 
Every negative account still says Account Not Disputed, including : XXXX XXXX ( # XXXX 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 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  ) Violation : Under FCRA 611 ( a ) and Metro 2 Section 4.2, TransUnion must mark any account under dispute as Consumer Disputes This Account. Their failure to do so misrepresents your reports accuracy.

Failure to Maintain Maximum Possible Accuracy Several tradelines show different balances, past-due amounts, and activity dates versus other bureaus : XXXX XXXX XXXX XXXX still reports a high balance of {$15000.00}, even though others report it as closed. 

XXXX XXXX XXXX  marked as Closed but still lists {$9600.00} past due. 

XXXX XXXX closed accounts continue showing as Charged Off. 

XXXX XXXX multiple active collection accounts from XXXX showing recent XXXX reporting dates. 

Violation : This violates FCRA 607 ( b ) the duty to report with maximum possible accuracy.Some accounts were illegally re-aged, showing new Date of Last Activity dates from XXXX on debts opened as far back as XXXX : XXXX XXXX and XXXX XXXX both show new XXXX dates, which restarts the reporting clock unfairly. 
Violation : FCRA 623 ( a ) ( 5 ) and Metro 2 field guidelines ( original delinquency date must never be altered ) .Some accounts show contradictions that can not coexist under Metro 2 standards : XXXX XXXX but also Chargeoff.

XXXX XXXX XXXX Closed but still Past Due. XXXX Purchased by another lender but also Charged off. 
Violation : Metro 2 prohibits conflicting values between Account Status, Payment Rating, and Compliance Condition Code.

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