vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 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:
According to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Code XXXX, Section XXXX ( a ), There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. TransUnion and XXXX  are consumer reporting agencies, and I am the consumer. 

Under XXXX XXXX XXXX XXXX, XXXX has declared that financial institutions have an affirmative and continuing obligation to respect the privacy of their customers and to protect the security and confidentiality of nonpublic personal information. 

Capital XXXX is considered a financial institution under this statute and is therefore subject to these obligations. 

Furthermore, under XXXX XXXX XXXX XXXX ( Section XXXX ( a ) ( XXXX ) ), a consumer reporting agency XXXX only furnish a consumer report with the written instructions of the consumer to whom the report pertains. Neither XXXX XXXX nor the consumer reporting agency TransUnion and XXXX  have my written consent to furnish or share my personal information. Any prior consentwhether verbal, non-verbal, written, implied, or otherwiseis hereby revoked. 

Additionally, XXXX XXXX XXXX XXXX ( b ) ( c ) provides that a financial institution XXXX not disclose nonpublic personal information to a XXXX XXXX XXXX unless the consumer is provided with an opportunity to opt out and receives a clear explanation of how to exercise that right. XXXX XXXX did not inform me of my right to opt out of such disclosures. 

Moreover, under XXXX XXXX XXXX XXXX ( a ) ( XXXX ), consumer reporting agencies are prohibited from including any adverse information ( other than records of criminal convictions ) that predates the report by more than XXXX years. The information being reported by TransUnion and XXXX  constitute adverse data and is being shared without my authorization, in violation of federal law. 

Under XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( A ), a party must not furnish any information to a consumer reporting agency if they know, or have reasonable cause to believe, the information is inaccurate. Additionally, under XXXX XXXX XXXX XXXX, consumer reporting agencies must maintain reasonable procedures to ensure compliance with XXXX and to limit the furnishing of consumer reports to the permissible purposes outlined in XXXX. TransUnion and XXXX  have failed to uphold these responsibilities. 

Finally, XXXXXXXX XXXX XXXX  states that a consumer XXXX exercise the right to opt out of information sharing at any time. I am hereby exercising that right and opting out of all reporting and information sharing by XXXX XXXX, TransUnion and 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 2025-09-03 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX. 
XXXX ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX  XXXX  - Account Number : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1200.00} These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX  inquiries as reported. The aforementioned accounts, collections and XXXX  inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and XXXX  inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX  inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-03 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: GA

Complaint narrative:
XXXX XXXX are falsely reporting inquiries that I did not request// Nor recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX are falsely reporting inquiries that I did not request// Nor recognize

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint against my loan servicer, XXXX, for inaccurately reporting multiple late payments on my credit report. 

I was repeatedly told by loan officers at XXXX that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with XXXX, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: PA

Complaint narrative:
My credit profile is inaccurate which is not fair for me. Please investigate this and fix it. I'm really sick and tired of this. Should there be any updates on my inquiries. I'm gon na go to court.

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 2025-09-03 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: PA

Complaint narrative:
My credit profile is inaccurate which is not fair for me. Please investigate this and fix it. I'm really sick and tired of this. Should there be any updates on my inquiries. I'm gon na go to court.

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 2025-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: MO

Complaint narrative:
On XX/XX/2025, at approximately XXXXXXXX XXXX., I contacted XXXX regarding a hospital bill under Account XXXX XXXXXXXX, for which I have been making regular payments. I have filed a separate complaint against XXXX XXXX regarding Account XXXX  XXXX for a fictitious follow-up pulmonary visit XXXX neither scheduled nor consented to. I have retained legal counsel for that matter, but my attorney just to be helpful advised on how to communicate with debt XXXX under the FDCPA ( 15 U.S.C. 1692 ) and the FCRA ( 15 U.S.C. 1681 ). 

When I logged into my XXXX patient portal and discovered that Account XXXX XXXXXXXX, the account not involving my attorney, had been sent to collections, I obtained XXXX contact information and called to request written debt validation. 

During my call, I clearly stated the following : I do not consent to verbal communication. Under the FDCPA, your company is legally obligated to validate this debt in writing, including the original agreement with my signature, chain of custody, full payment history and itemized breakdown, proof of your legal right to collect this debt, and the name and contact information of the entity that verified this debt. If you can not provide this information, you must cease all collection efforts. Please note, a billing statement is not debt validation, it only reflects what the creditor claims I owe. It does not constitute a contract, nor does it prove that XXXX has the legal right to collect this alleged debt. 

Also under 15 U.S.C. 1692g ( FDCPA ), debt XXXX must provide validation of debts upon request before continuing collection efforts. Additionally, the FCRA ( XXXX U.S.C. 1681s-2 ) prohibits furnishing inaccurate information to credit reporting agencies. 

XXXX representatives repeatedly spoke over me and refused to provide the requested documentation. XXXX accepted an account they mistakenly believed involved legal representation, yet still sent a collection letter directly to me while claiming they would only speak with my attorney. XXXX failed to provide proper validation as required under federal law. If XXXX reports this debt to any credit bureau without proper validation, it may constitute further violations under the FCRA and Missouri law ( XXXX  XXXX prohibits unfair collection practices ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: TX

Complaint narrative:
There have been numerous phone calls from Procollect , INC . The most recent was XX/XX/year>. 

The claim is for {$190.00} for damage to an apartment. I do not live in apartments. I own XXXX houses outright. This was explained to XXXX, but they refuse to listen to reason. 

XXXX claims they have mailed me the supporting information for the collection but I have not received it. They claim they are not responsible for mail service. I receive all other mail sent to me. They could simply email me the documents if they wanted to. 

XXXX has now reported this alleged {$190.00} debt to the credit reporting agencies without providing me the documents proving their claim. 

XXXX needs to remove the unpaid debt reported to the credit reporting agencies until they can prove to me I owe I owe the debt.

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 2025-09-03 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX. 
XXXX ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX  inquiries as reported. The aforementioned accounts, collections and XXXX  inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and XXXX  inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: IL

Complaint narrative:
I am writing to demand the immediate and permanent deletion of a fraudulent XXXX credit card account that continues to be reported on my credit file. This account was previously disputed and deleted due to identity theft but has since been reinserted without proper notice, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

Details of the fraudulent account : Creditor : XXXX XXXX XXXX Account Type : Credit Card Status : Closed FCRA Violations by the Credit Bureau ( s ) : FCRA 611 ( a ) ( 5 ) ( B ) : If an item is reinserted, the bureau must first receive certification of accuracy from the furnisher and must notify me within 5 business days of reinsertion. I did not receive any notice. 
FCRA 611 ( a ) ( 7 ) : I have the right to know the method of verification. XXXX has only provided billing /payment statements, which do not prove I opened or authorized this account. 
FCRA 605B : Information resulting from identity theft must be blocked within 4 business days of receiving an Identity Theft Report. 

My Demands : Immediately delete the XXXX account from my XXXX, XXXX, and TransUnion credit files. 
Provide me with written confirmation of the permanent deletion. 
Notify all third parties who have received my credit report in the past six months of this correction. 
Provide me with documentation of the verification used before reinsertion ( if any ). 

If this account is not permanently deleted, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General, and I will consider pursuing legal remedies for repeated FCRA violations. 

I expect your written confirmation within 30 days of receipt of this letter, as required by law.

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 2025-09-03 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: IL

Complaint narrative:
I am writing to demand the immediate and permanent deletion of a fraudulent XXXX credit card account that continues to be reported on my credit file. This account was previously disputed and deleted due to identity theft but has since been reinserted without proper notice, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

Details of the fraudulent account : Creditor : XXXX XXXX XXXX Account Type : Credit Card Status : Closed FCRA Violations by the Credit Bureau ( s ) : FCRA 611 ( a ) ( 5 ) ( B ) : If an item is reinserted, the bureau must first receive certification of accuracy from the furnisher and must notify me within 5 business days of reinsertion. I did not receive any notice. 
FCRA 611 ( a ) ( 7 ) : I have the right to know the method of verification. XXXX has only provided billing /payment statements, which do not prove I opened or authorized this account. 
FCRA 605B : Information resulting from identity theft must be blocked within 4 business days of receiving an Identity Theft Report. 

My Demands : Immediately delete the XXXX account from my XXXX, Equifax, and XXXX  credit files. 
Provide me with written confirmation of the permanent deletion. 
Notify all third parties who have received my credit report in the past six months of this correction. 
Provide me with documentation of the verification used before reinsertion ( if any ). 

If this account is not permanently deleted, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General, and I will consider pursuing legal remedies for repeated FCRA violations. 

I expect your written confirmation within 30 days of receipt of this letter, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/year> I contact Goldman Sachs Apple Card and reported that I did not authorize a payment in the amount of {$3400.00}, they have continuously refused to return the money and provided no proof what so ever that I authorized it. I have filed 4 complaints with them and noted to the fact that I have physically been making manual monthly payments and have never set up this account with automatic payments. In addition they were also advised that another account with XXXX XXXX experienced they same issue. Goldman Sachs has put me in a financial situation as the funds were needed to pay my rent and I am also medically XXXX. I have also initiated a XXXX Bank with my bank as well. I need this issue resolved and for them to return the money that was not authorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: CADENCE BANK
State: TX

Complaint narrative:
I used Cadence Bank as my plan B to purchase a home using the XXXX XXXX XXXX  XXXX. You have to choose an approved lender from their list and my original lender wasnt on the XXXX list. I had an executed contract for my intended home XX/XX/XXXX with a closing date of XX/XX/XXXX that had to be changed to XX/XX/XXXX due to XXXX XXXX. Thursday, XX/XX/XXXX, my buyers agent and I scheduled the final walk through and closing for the morning of XXXX. Then Friday, XX/XX/XXXX, I receive the bad news that closing would have to be delayed because the City of XXXX hadnt finalized the XXXX  allocation for the lender and the lender couldnt move forward. Friday evening I reach out to the city council and my lender suggested that was overboard. XXXX comes and goes without me closing and now my buyers agent and I have again reached out to the city of XXXX XXXX program. Wednesday, XXXX, we find out the delay is due to the lender. 
XXXX XXXX of Cadence Bank stated, Team, I was in contact with XXXX and the file is being worked on. 

I was delayed in submitting the file because of uncertainty as to whether we would be doing the loan. As such, there was a delay in submitting the file. 

Regards, XXXX XXXX | XXXX XXXX XXXX | XXXX  ID XXXX The uncertainty he is referring to is because I stated I was going to shop rates, which is within my rights, because the rate they offered was 7 % which isnt very competitive. In retaliation, XXXX XXXX stopped doing the work hes paid to do yet, he will expect full fees and commission for delaying my closing by not submitting the file in a timely manner. At no time did I tell XXXX to stop, wait, hold on regarding moving towards the closing deadline but, thats what he did and now I have a week of wasted PTO because Im not at work and Im also not closing and moving. My homeowners insurance and home warranty started yesterday for a house I do not own.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-03 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: Crown Asset Management, LLC, Duluth, GA Branch
State: OH

Complaint narrative:
XX/XX/year>- they were awarded a judgement against me for another company that bought my debt. 

Reached out numerous times via phone and email. They responded with a phone call and I asked the information to be sent to me via email as I want written communication. 

Tried calling back with no response The letter I received stated I have 15 days from the mail date not the received date to respond and make a payment of 25 % of my paycheck or they will file to have a wage garnishment. They also stated in this letter I could lose my job if I am garnished. 

No response from the phone calls and/or emails. The lawyers on all my documents do not have a way to contact them directly to resolve any matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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