vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 XXXXXX/XX/XXXX, Balance : {$00.00} 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 XXXXXX/XX/2021, Balance : {$550.00}

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 2025-07-11 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : 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 XXXXXX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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:
As I was reviewing my credit profile there was an account and some inquiries that are not mine.

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 2025-07-11 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: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: FL

Complaint narrative:
I have disputed an account that shows as new, and original when it is a collection company. It is not my account. Transunion refuses to investigate this and the representative told me it's my problem to call the company and ensure it's correct, they refused to allow me to speak to a supervisor, and were insulting and rude. Told me go ahead, report us. They do not investigate anything.

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 2025-07-11 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Date : [ Insert Date ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX Re : Cease and Desist Account Number : [ Insert Account Number, if known ] To Whom It May Concern, This letter serves as a formal notice that, under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ), I am requesting that XXXX XXXX XXXX XXXX XXXX immediately cease all communication with me regarding the alleged debt referenced above. 

If you believe I owe this debt, I request that you provide full written validation of the alleged debt as required under 15 U.S. Code 1692g. Until you provide such validation, you must cease all collection activity.

Under the FCRA ( 15 U.S. Code 1681g and 1681c-2 ), once notified of identity theft and given appropriate documentation, you are required to block or remove the fraudulent account and stop any reporting or collection activity.

Please confirm in writing within 30 days that this account has been closed, all collection efforts ceased, and all reporting removed from any credit bureau. 

Furthermore, if you continue to contact me after receiving this letter, I will consider such communication a violation of the FDCPA, and I will not hesitate to report your agency to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. I will also consider pursuing legal action. 

Please note that this request includes but is not limited to phone calls, letters, emails, and any third-party contact regarding this matter. 

Thank you for your prompt attention to this serious matter. 

Sincerely, 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 2025-07-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Credit Card divison never report how they apply the monthly payment, so the customer doesn't see how much they owe on that deferred interest program. They also don't offer the option to pay more to the program that will expire the fastest. They charged me more than {$200.00} in deferred interest, when I've never been late on my payments. I believe their strategy of not showing how they apply your payment is in bad faith. I have three accounts with them and have never been late on my payments. I arranged for them to return the deferred interest money to me. 
Best regards. 

XXXX XXXX Send feedback Side panels History Saved

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 2025-07-11 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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: GA

Complaint narrative:
Upon being part of a XXXX XXXX during the year of XXXX, I had XXXX simple payment to become a few days late due to hardship. And that's when the company XXXX XXXX reported my good payment history as POOR to all XXXX credit bureaus. Causing my score to go from * * Good * * status to a * * Need work status * * from good to needs work. When contacting XXXX XXXX regarding this matter, the rep was unable to provide any help and suggested that I report/ file a complaint since she noticed and see that all of my payments for XXXX XXXX  now have all been in good standing and that XXXX XXXX XXXX report this to ALL XXXX bureaus immediately. Also, I noticed that there are quite a few lawsuits against XXXX XXXX regarding this same issue. 

As well as being accused of damaging consumers ' credit scores. Millions of users/ customers have reported unauthorized accounts and identity XXXX. A proposed class action lawsuit alleges that XXXX XXXX breached contractual obligations by failing to adequately disclose the terms of credit agreements and to update accurate credit reporting to all XXXX major credit bureaus. I would like an investigation into this matter. And when sharing with a XXXX  XXXX rep on XX/XX/XXXX, that I would like to pay my small balance out in full, which was {$110.00}, the XXXX  XXXX  XXXX  rep informed me that she would wait before paying the balance out because XXXX XXXX will add interest to my low balance. Wait, XXXX XXXX? Please come again was my exact reaction to what the rep shared with me. I proceeded to ask the rep how XXXX can charge me interest when my payments are on auto draft, and you just stated that you see where all of my payments in the past and going forward have been auto drafted from my bank account on time, except for that XXXX late payment back in XXXX. 

Well, the rep could not provide me with an accurate direct answer so she placed me on hold and upon returning back to the phone s/w with her supervisor and she stated that her supervisor shared with her that if interest rates are charged then they will just remove the interest rate as a XXXX time courtesy for paying on time .. XXXX What come again? I then shared with the rep that I have never heard of such a thing. This is indeed a big scam that XXXX XXXX has been doing for decades now.

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 2025-07-11 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: CA

Complaint narrative:
I formally complaining about an inaccurate and unjust entry on my credit report. The credit bureaus have reported my XXXX XXXX XXXX XXXX  mortgage account as 30 days late a claim that is completely false. 

This account was transferred to another loan servicer, and I have never missed or been late on a single mortgage payment throughout the life of the loan. I have submitted documentation clearly verifying payment history with no 30 day lates. 

Despite this, the credit bureaus have reported the delinquency without providing any validated evidence or documentation to justify the negative mark. This failure to properly investigate or validate the reporting has caused harm to my credit profile, and I believe it constitutes a violation of my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: CA

Complaint narrative:
I formally complaining about an inaccurate and unjust entry on my credit report. The credit bureaus have reported my XXXX XXXX XXXX XXXX  mortgage account as 30 days late a claim that is completely false. 

This account was transferred to another loan servicer, and I have never missed or been late on a single mortgage payment throughout the life of the loan. I have submitted documentation clearly verifying payment history with no 30 day lates. 

Despite this, the credit bureaus have reported the delinquency without providing any validated evidence or documentation to justify the negative mark. This failure to properly investigate or validate the reporting has caused harm to my credit profile, and I believe it constitutes a violation of my rights under 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 2025-07-11 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: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to 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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Debt Recovery Solutions, LLC
State: VA

Complaint narrative:
I am filing this complaint because a debt collection agency, DRS, is reporting inaccurate information to Experian that is harming my credit and violating the Fair Credit Reporting Act ( FCRA ). 

A collection account from DRS is showing as opened in XX/XX/year>, even though the original debt is from several years ago and should be nearing or past the 7-year reporting limit. 

This is a clear case of re-aging, which is illegal under FCRA Section 605 ( c ). Re-aging a debt falsely extends the reporting period, which unfairly lowers my credit score and affects my access to credit and housing. 

I disputed this information with XXXX  and provided documentation that the account is being reported with a false open date. However, XXXX responded by saying that the furnisher ( DRS ) verified the information as accurate without explaining how this XX/XX/year> open date could be valid. 

I have requested a reinvestigation and method of verification from XXXX, and I am also disputing the information directly with DRS. At this point, I am asking the CFPB to intervene and ensure that either : The correct date of first delinquency ( DOFD ) is applied to this account, or The account is removed entirely from my credit reports if the correct date can not be verified. 

This re-aged account is misleading and damaging, and I am asking for your help in holding both XXXX  and DRS accountable for proper and lawful reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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:
I have submitted multiple formal dispute letters to Experian Information Solutions XXXX regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions XXXX continues to willfully report inaccurate data in violation of FCRA XXXX XXXX. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-11 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:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Credit International Corporation
State: CA

Complaint narrative:
A debt collection agency contacted me claiming I owe a large balance on a business transaction through XXXX XXXX XXXX. The debt appears to be related to a chargeback from a sale I made through my business, which operates as a registered XXXX. 

I formally disputed the debt and sent a written request for validation under the Fair Debt Collection Practices Act ( FDCPA ). I asked for a detailed breakdown of the amount owed, a copy of the original merchant agreement, and documentation showing whether the debt was personally guaranteed or solely tied to the business. 

Instead of providing the requested documentation, the agency continued to contact me with increasingly aggressive messages that included legal threats, mentions of asset XXXX, and references to court costswithout providing any proof of the debt or my liability for it. 

The agency has failed to validate the debt as required by law but is continuing its collection efforts. I believe this is a violation of the FDCPA and am requesting that they cease collection activity until they provide proper documentation.

Company response to consumer: Closed with explanation