vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 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:
Urgent : I am in the process of purchasing a House, please review ASAP. 

Every year I get a PIN from the IRS because somebody used my identity to get employment. I say that to say there is someone that has my identity. 
Also I have a common name, this could be a same name error. 

On XX/XX/year> I submitted a complaint to TransUnion in regards to a negative item that is in my Credit report. They responded and stated it was verified but did not provide me any information in regards to Fair Credit Reporting Act ( FCRA ), Section 609 or Fair Credit Reporting Act, Section 611 ( a ) ( 7 ), or follow the law in regards to 15 USC 1681i : Procedure in case of disputed accuracy. 

( Negative Item ) Name of Collections : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$170.00}. 

I can easily pay the {$170.00} but I should not have to because this is not mine. 

I have never done business with the original Creditor or the Collections company. This is not mine in any way shape or form. It needs to be removed from my Credit report ASAP.

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 2025-03-15 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: LA

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: SC

Complaint narrative:
I checked my credit reports and found out that I have unrecognizable inquiries in which my reports have been ran without authorization and causing my scores to significantly drop. I have things on my reports that shouldnt be and this has affected my livelihood tremendously. Im asking that I can receive adequate assistance in getting my reports fixed.

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 2025-03-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the collection account listed on my credit report. According to my recent Experian credit report, there is a collection account with a balance of {$2000.00} from XXXX XXXX XXXX. I do not recognize this debt, and I am requesting that you verify its accuracy. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1692c, I request that Experian provide full validation of this debt, including the original creditors name, account details, and proof that this debt is valid and belongs to me. If you can not provide verification, I ask that this account be removed from my credit report immediately.

Failure to provide adequate validation or continued reporting of inaccurate information is a violation of federal law. If this matter is not resolved, I am prepared to escalate this dispute to the Consumer Financial Protection Bureau ( CFPB ) and seek legal action if necessary. 

Please conduct a thorough investigation and provide me with the results in writing. If the account can not be verified, I expect its removal per my rights under the FCRA. 
Thank you for your prompt attention to this matter. Please respond within 30 days, as required by law. 
Sincerely,

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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: MD

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, CHALLENGEDORNOT.

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 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Servicer under contract with Federal Student Aid
State: IL

Complaint narrative:
I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ) and its associates. This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personal identifiable information ( PHI ). 
2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 
3. My IRS tax transcript, which were obtained and used without proper authorization. 
These actions violate my rights under FERPA ( 20 U.S.C. 132g ; 34 CFR Part 99 ), which grants me the right to control access to my educational record, as well as Title IV of the Higher Education Act, which governs the us and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. 

Phone calls made to remedy this problem have not been successful in clarifying, simplifying, or resolving this problem. My payments remail high and my payment schedule remain confusing. 

Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-03-15 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: GA

Complaint narrative:
These listed inquiries are unauthorized and due to the fcra my credit report should be accurate and complete/ maximum possible accurate i kindly ask that these hard inquiries are removed 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 2025-03-15 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: SC

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

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 2025-03-15 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: NC

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: OH

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-03-15 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: TX

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-03-15 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: MS

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: MS

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
XX/XX/year> the account was dispute and removed from a debt collection company I attached the letter but the companies are just passing to another collection company and they just go around playing with the system please reference to the other case when the account was deleted XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: OH

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: NC

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I Called Truist Bank Customer Service From the Number XXXX Provided on the ( XX/XX/year> ) About The Fraudulent Credit report inquiry, Truist responded saying they were unaware

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 2025-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: TN

Complaint narrative:
On XX/XX/year> my vehicle was XXXX XXXX XXXX. On XX/XX/year> I contacted Westlake financial to notify them of the XXXX and to start the gap payment process. I was informed that they do not start a gap claim until after they have received funds from the insurance company. Insurance funds were received by Westlake according to their records on XX/XX/year>. I received a letter on XX/XX/year> that my payoff of my loan would be {$2900.00} as of today, XX/XX/year> Westlake financial has removed the gap coverage payment and my balance is now close to {$7000.00}. I have attempted to contact them on multiple occasions through email through telephone calls and they have always been giving me the same answer and no explanation as to why it is above what they are stating. Now because I threatened to file a complaint with the state of Tennessee and with the consumer financial protection board, they have removed that payment in retaliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: SC

Complaint narrative:
I am filing a formal complaint against Equifax and SC Child Support Enforcement for their inaccurate reporting practices, fraudulent conduct, and their failure to properly investigate my dispute regarding falsely reported late child support payments. Due to multiple inaccuracies and their deliberate misrepresentation of information, I am requesting the immediate removal of this account from my credit profile. 



I have provided extensive documentation, including : XXXX payroll records Check stubs Bank statements These records clearly prove that my child support payments were made as required. Despite this evidence, the agency has continued to report false late payments and has now fraudulently changed the date of first delinquency to the current year in an attempt to prolong the negative impact on my credit report. This intentional misreporting is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, which requires data furnishers to provide only accurate and verifiable information. 



By knowingly altering the Date of First Delinquency ( DOFD ), the agency has engaged in re-aging, a deceptive practice that is strictly prohibited under the FCRA. This violation is not only unethical but has caused severe harm to my credit profile, resulting in unfair financial consequences and emotional distress. 



I demand the following actions be taken immediately : 1. Immediate removal of this account from my credit report due to multiple inaccuracies, fraudulent re-aging, and failure to comply with federal reporting standards. 

2. A full investigation into SC Child Support for their negligent and deceptive reporting practices. 

3. Written confirmation that all credit bureaus have been instructed to delete this account entirely from my credit profile. 

4. Compensation for the financial harm, emotional distress, and damage caused by these unlawful actions. 



I have enclosed all supporting documentation to verify my claims. I expect the CFPB to take swift action to hold this agency accountable and ensure these fraudulent practices are addressed. 



Please notify me once this complaint has been received and provide updates on your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: KS

Complaint narrative:
This account is Identity theft, XXXX has been informed multiple times. XXXX has misled in regards of the fraud/identity theft process, documentation proving identity theft was provided multiple times and also sent via mailed format. My name is NOT XXXX XXXX, I am NOT and never have been associated to XXXX, my address is NOT XXXX XXXX XXXX XXXX XXXX , I have never been associated to said address. I have NEVER used XXXX services, I have NEVER inquired in regards of XXXX  services. 
This is discrimination and misleading on XXXX part, I am now being harassed by XXXX, Representatives have failed to resolve correctly. I have been more than cooperative, providing every document requested by XXXX yet they have not marked this as fraud, leaving the possibility open for whoever stole my social and committed this atrocity to potentially reuse their services, unacceptable. This is Negligent and XXXX needs to be stopped. XXXX is to delete this from my credit. 

By law, 15 USC 1681i I am requesting a re-investigation Additionally Law 18 USC 1028A

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